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TERMS & CONDITIONS 

Last Updated: January 2025

Please read these Terms and Conditions carefully before using our website and services.

1. Interpretation and Definitions

 

Interpretation:

Words with capitalized initials have meanings defined under the following conditions. These definitions apply regardless of whether they appear in singular or plural form.

 

Definitions:

For purposes of these Terms and Conditions (“Terms”):

  • Company refers to Trinova Synergy Group LLC, operating under the brand name CreditScore Desk (“we,” “us,” “our”).

  • Brand refers to CreditScore Desk, accessible at https://www.creditscoredesk.com.

  • Service refers to all websites, content, educational programs, coaching sessions, subscriptions, and digital materials provided by the Company.

  • You / User means the individual or entity accessing or using the Service.

  • Account means the user profile created on our platform to access services or materials.

  • Content means all educational materials, templates, videos, text, coaching resources, intellectual property, and digital assets created or provided by the Company.

  • User Content means any content uploaded, submitted, or provided by Users.

  • Third-Party Service means any external platform, tool, website, or integration appearing on or connected to our Service.

  • Subscriptions refers to any recurring or membership-based paid plans offered by the Company.

 

2. Acknowledgment

These Terms govern the use of the Service and form the binding agreement between You and Trinova Synergy Group LLC / CreditScore Desk.

 

By accessing or using the Service, You agree to:

  • These Terms

  • Our Privacy Policy

  • Any additional notices, disclaimers, or guidelines

 

If You disagree with any part of these Terms, do not use the Service.

You must be at least 18 years old to use the Service.

 

3. User Accounts

Users May Create an Account:

You may create an account to access certain features, subscriptions, or resources.

You agree to:

  • Provide accurate information

  • Maintain confidentiality of your login credentials

  • Be responsible for all activity under your account

  • Notify us immediately of any unauthorized access

We reserve the right to suspend or terminate accounts that violate these Terms.

 

4. User-Uploaded Content

Users May Upload Content:

You may upload or submit certain information such as:

  • Notes

  • Goals

  • Documents

  • Worksheets

  • Uploads for learning purposes

 

By submitting User Content, you:

  • Grant the Company a non-exclusive, royalty-free, worldwide license to use, store, and process the content solely to deliver the Service.

  • Acknowledge that you retain ownership of your content.

 

You may not upload illegal, harmful, defamatory, or copyrighted content without permission.

 

5. Subscriptions & Payments

We Offer Subscriptions:

Some portions of the Service are billed on a subscription or membership basis.

When purchasing:

  • You authorize us to charge recurring payments

  • You may cancel your subscription at any time

  • Fees already paid are non-refundable unless otherwise stated

 

We reserve the right to modify pricing with notice.

 

All payments are handled securely through third-party processors such as PayPal, Stripe, Wix Payments, or others.

 

6. Educational Purpose Only (Legal Compliance Clause)

CreditScore Desk provides:

  • Education

  • Coaching

  • Mentoring

  • Financial literacy training

  • Business credit education

  • Templates and self-help resources

 

The Company does NOT:

  • Provide credit repair services

  • File disputes on your behalf

  • Communicate with credit bureaus or creditors

  • Offer legal or financial advice

  • Guarantee credit score outcomes

 

Any third-party referrals are optional and are not part of our paid services.

 

7. Intellectual Property

Our Content Is Our Exclusive Property:

All content on the Website and within the Service is the exclusive property of Trinova Synergy Group LLC / CreditScore Desk, including:

  • Educational materials

  • Digital downloads

  • Videos

  • Templates

  • Branding

  • Text

  • Charts

  • Designs

  • Software

  • Coaching systems

 

You may not copy, reproduce, resell, distribute, modify, or create derivative works without written permission.

Violation may result in legal action.

 

8. Feedback and Suggestions

We May Implement Any Feedback We Receive

If You submit feedback, suggestions, comments, or ideas:

  • You grant us a free, perpetual, irrevocable license to use the feedback

  • You waive any claim to compensation

  • We may implement or ignore your feedback at our discretion

 

9. Links to Third-Party Websites

Our Service may contain links to third-party sites not operated or controlled by us.

We are not responsible for:

  • Their content

  • Their privacy policies

  • Their practices

 

Use third-party links at your own discretion.

 

10. Termination

We may terminate or suspend Your account or access at any time for violations of:

  • These Terms

  • Our Privacy Policy

  • Platform misuse

  • Fraudulent activity

  • Abusive behavior

 

11. Limitation of Liability

To the maximum extent permitted by law:

  • The Company’s liability shall not exceed the amount paid by You for the Service, or $100 if no purchase was made.

  • We are not liable for indirect, incidental, or consequential damages.

 

Some states (including parts of Florida) do not allow certain limitations; in such cases, limitations apply to the maximum lawful extent.

 

12. “As-Is” Disclaimer

The Service is provided “AS IS” and “AS AVAILABLE.”

No warranties of any kind are expressed or implied.

We do not guarantee:

  • Outcomes

  • Accuracy

  • Continuous availability

  • Error-free content

  • Any specific financial result

 

13. Governing Law

These Terms are governed by:

  • The laws of the State of Texas,

  • And, for users residing in Florida, the applicable laws of the State of Florida.

 

Conflicts will be resolved under U.S. federal law where applicable.

 

14. Dispute Resolution

Before initiating legal action, You agree to contact us and attempt to resolve disputes informally.

 

15. Severability

If any part of these Terms is found unenforceable, the remainder continues in effect.

 

16. Changes to Terms

We may revise these Terms at any time.

If changes are material, we will provide 30 days’ notice.

Your continued use of the Service constitutes acceptance.

 

17. Contact Us

For any questions about these Terms:

📧 Email: info@creditscoredesk.com

🌐 Website: https://www.creditscoredesk.com

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