LIFEIFY TERMS OF SERVICE
Effective Date: October 28, 2025
Entity: Lifeify (S-Corporation)
Address: 7660 Monterey Street,Suite 202, Gilroy, CA 95020
Toll-Free: 1-866-543-3439 | Bay Area: (408) 580-5488 | Bakersfield:(661) 593-4744
Email: support@lifeify.com | Website: https://lifeify.com
1. AGREEMENT TO TERMS
By accessing or using our website, client portal, or services, you agree to these Terms of Service (“Terms”). If you do not agree, do not use the site or engage our services. Lifeify reserves the right to update or change these Terms at any time. Updates take effect immediately upon posting.
2. COMPANY OVERVIEW
Lifeify provides credit education, credit repair, and credit monitoring assistance to consumers within the United States. We operate in compliance with the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), and all applicable state and federal laws. We are not a credit bureau, lender, law firm, or financial institution. We do not provide legal or financial advice.
3. ELIGIBILITY
To use our services, you must be at least 18 years old, be a U.S. resident, provide accurate personal and financial information, and have legal authority to enter into binding contracts.
4. SERVICES PROVIDED
Lifeify assists clients with credit report review, dispute preparation, credit education, budgeting tools, and credit monitoring assistance through approved third-party partners (e.g., IdentityIQ, SmartCredit, ScoreSense, Credit Hero). We provide guidance and administrative support—you direct all actions taken on your behalf. Results vary depending on individual credit history and participation.
5. PAYMENTS AND BILLING
All services are billed according to your signed agreement. No payments are collected before services are performed in compliance with CROA (15 U.S.C. § 1679b). Accepted payment methods include debit/credit card or ACH via secure payment processors. You agree to maintain valid payment information and authorize recurring billing as applicable.
6. REFUND POLICY
You may cancel services within three (3) business days of signing your agreement for a full refund. After that, refunds may be provided only in accordance with the written contract or applicable law. If we fail to provide contracted services, you may request a review or refund by emailing support@lifeify.com.
7. CLIENT RESPONSIBILITIES
You agree to provide truthful information, submit documentation promptly, refrain from fraudulent or misleading actions, and follow the dispute and credit improvement process. Failure to cooperate or provide accurate information may delay or terminate services.
8. NO GUARANTEE OF RESULTS
Lifeify makes no promises or guarantees regarding specific credit scores, outcomes, or results. Credit repair results depend on your participation, credit history, creditor responses, and other factors outside our control.
9. ELECTRONIC SIGNATURES AND RECORDS
By using our services, you consent to receive and sign documents electronically via our CRM or approved e-signature platform, in compliance with the U.S. E-SIGN Act.
10. COMMUNICATIONS AND SMS CONSENT
By providing your phone number, you consent to receive text messages related to your account, services, and offers. Message and data rates may apply. You may opt out at any time by replying “STOP.” Lifeify complies with the Telephone Consumer Protection Act (TCPA) and is registered under A2P 10DLC standards.
11. INTELLECTUAL PROPERTY
All content on this site—including text, images, videos, and logos—is owned by Lifeify or licensed for use. You may not copy, modify, or redistribute any material without written permission.
12. THIRD-PARTY SERVICES
We may link to or integrate with third-party tools (e.g., IdentityIQ, SmartCredit, Credit Repair Cloud, Google Analytics). We are not responsible for the content, practices, or policies of third-party providers.
13. LIMITATION OF LIABILITY
To the fullest extent permitted by law, Lifeify and its affiliates are not liable for indirect, incidental, or consequential damages, loss of data, or any claim exceeding the amount paid by you in the preceding 6 months.
14. DISPUTE RESOLUTION AND GOVERNING LAW
These Terms are governed by the laws of the State of California. Any dispute shall be resolved by binding arbitration in Santa Clara County, California, under the American Arbitration Association. You waive the right to participate in any class action.
15. TERMINATION
We reserve the right to suspend or terminate access to our services at any time for violation of these Terms or unlawful conduct. You may terminate services by written notice in accordance with your contract.
16. PRIVACY AND DATA USE
Your use of our website and services is also governed by our Privacy Policy and Credit Repair Disclosure. By using our services, you consent to the collection and use of data as outlined in those documents.
17. CONTACT US
Lifeify, 7660 Monterey Street, Suite 202, Gilroy, CA 95020 | support@lifeify.com | 1-866-543-3439