TERMS & CONDITIONS

---

Effective Date: June 4, 2020

These Terms & Conditions govern access to and use of the Zhon Credit website and services. By accessing our website or engaging our services, you agree to be bound by these terms.

1. Services

Zhon Credit provides services that may include:

• Credit education
• Credit dispute assistance
• Credit profile reviews
• Credit-building guidance
• Business funding consulting
• Financial literacy resources

Services are provided for educational and informational purposes and are subject to applicable laws and regulations.

1. No Guarantee of Results

Every credit profile and financial situation is unique.

Zhon Credit does not guarantee:

• Specific credit score increases
• Removal of particular credit report items
• Loan approvals
• Mortgage approvals
• Credit card approvals
• Funding approvals

Past performance does not guarantee future results.

1. User Responsibilities

You agree to:

• Provide accurate information
• Submit requested documents promptly
• Maintain communication during service periods
• Review all disclosures and agreements
• Comply with applicable laws

Providing false, misleading, or fraudulent information may result in immediate termination of services.

1. Fees and Payment

Clients agree to pay all applicable fees associated with selected services.

Failure to make timely payments may result in:

• Suspension of services
• Account cancellation
• Collection activity where legally permitted

Unless otherwise stated in writing, fees are non-refundable.

1. Right to Cancel

Clients may have cancellation rights under applicable federal or state law, including rights provided under the Credit Repair Organizations Act (CROA).

Any applicable cancellation instructions will be included in the client service agreement.

1. Intellectual Property

All website content, including text, graphics, logos, branding, videos, educational materials, and designs, is owned by Zhon Credit and protected by intellectual property laws.

Unauthorized reproduction, distribution, or modification is prohibited.

1. Prohibited Activities

Users may not:

• Violate any laws or regulations
• Attempt unauthorized access to systems
• Introduce malicious software
• Interfere with website operations
• Misrepresent identity or information
• Copy or exploit proprietary content

1. Third-Party Services

We may provide access to third-party websites, lenders, software providers, or service partners.

Zhon Credit is not responsible for:

• Third-party actions
• Website availability
• Service quality
• Financial decisions made by outside providers

1. Limitation of Liability

To the maximum extent permitted by law, Zhon Credit shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from use of the website or services.

Services are provided on an "as-is" and "as-available" basis.

1. Indemnification

You agree to indemnify and hold harmless Zhon Credit from any claims, damages, losses, liabilities, and expenses arising from:

• Your misuse of the website
• Violation of these Terms
• Fraudulent activity
• Violation of laws or regulations

1. Governing Law

These Terms & Conditions shall be governed by and interpreted under the laws of the State of Texas.

Any disputes shall be resolved in courts located within Texas.

1. Modifications

Zhon Credit reserves the right to modify these Terms & Conditions at any time.

Continued use of the website following updates constitutes acceptance of the revised terms.

1. Contact Information

Zhon Credit

Website: ZhonCredit.com

Email: ZhonCredit@gmail.com