// legal

Terms of Use

Effective November 2, 2026

These terms cover your use of swiftfixgroup.com and any SwiftFix product you buy or download. By using the site or a product, you agree to them.

Education, not advice

SwiftFix products are educational guides and tools. They are not legal, financial, tax or credit counseling advice, and reading them does not create a professional relationship of any kind. For advice about your own situation, talk to a qualified professional.

SwiftFix is not a credit repair organization. We don't contact the credit bureaus, your creditors or debt collectors on your behalf, and we don't promise to remove anything from your credit report. Results depend on what's on your report and what you do about it. Anything you can do with our products, you have the legal right to do yourself for free.

Laws, fees, scoring models and company policies change. We work to keep our products current, but we can't guarantee that every detail is still accurate when you read it.

Your license

When you buy or download a product, you get a personal, non-transferable license to use it. You may:

• Read, print and keep the files for your own use.
• Edit the letter templates and spreadsheets and use them for your own credit and finances.
• Use our apps on your own devices.

You may not resell, share, upload, give away or publish the files, app links or any part of them, or pass them off as your own work.

Purchases

All purchases and downloads are processed by Gumroad, our payment provider, and Gumroad's terms apply to the transaction. Prices are listed in US dollars and may change, but a change never affects an order you've already paid for.

Refund Policy

Because our products are digital files you get instantly, all sales are final. If a file is damaged, won't open or didn't arrive, contact us within 30 days of purchase. We'll send you a working copy, and if we can't fix it, we'll refund you.

Affiliate Disclosure

Some links in our products and on this site are affiliate links. If you sign up or buy through one, we may earn a commission at no extra cost to you. We only recommend tools we would point a friend to, and a commission never changes what we say about a product. Free official resources, like AnnualCreditReport.com, are always linked directly.

Other websites

Our products link to government sites, credit bureaus and partner companies. We don't control those sites and aren't responsible for their content, policies or services.

Limits of liability

Our products are provided "as is." To the fullest extent the law allows, SwiftFix is not liable for any loss or damage that comes from using the site or the products, including decisions you make about your credit or finances. If we are found liable for anything, our total liability is limited to the amount you paid for the product.

Changes

We may update these terms. The version posted here, with its effective date, is the one that applies.

Contact

For questions or refund requests, email us at support@swiftfixgroup.com.