1. Agreement to these terms
These Terms and Conditions ("Terms") govern your use of the CKEXPERTS website and partner referral program (together, the "Services"). By using the website or submitting a referral, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Services.
2. The partner referral program
The referral program lets real estate agents, loan officers, builders, financial professionals and other partners ("Partners") refer individuals ("Clients") to CKEXPERTS for credit, debt, debt-to-income and down payment related services. Referring a Client is free for Partners.
Submitting a referral does not create a client relationship between CKEXPERTS and the referred individual. That relationship begins only if the Client independently agrees to work with us and signs any required service agreement.
3. Partner responsibilities
When you submit a referral, you represent and warrant that:
- You have obtained the Client's permission to share their personal information with CKEXPERTS.
- The Client has agreed to be contacted by CKEXPERTS by phone, email and/or text message regarding our services.
- The information you provide is accurate and complete to the best of your knowledge.
- Your referral complies with all laws, regulations and licensing rules that apply to you, including any rules on referral fees, compensation and disclosures (for example, RESPA where applicable).
You agree not to submit referrals for individuals who have not consented, or to use the Services for any unlawful, fraudulent or abusive purpose.
4. Consent to contact
By submitting the referral form, you and the referred Client consent to receive calls, emails and text messages from CKEXPERTS about the referral and our services, at the contact information provided. Calls and messages may be made using automated technology. Message and data rates may apply. Consent is not a condition of purchasing any service. Clients may opt out at any time by replying STOP to a text message or by asking us to stop contacting them.
5. No guarantee of results
CKEXPERTS does not guarantee any specific credit score increase, removal of accurate negative information, debt settlement outcome, debt-to-income result, down payment assistance approval or loan approval. Results vary based on each Client's individual circumstances. Accurate, timely and verifiable information may remain on a credit report as permitted by law. Consumers have the right to dispute inaccurate information directly with the credit bureaus at no cost.
Debt settlement may have tax consequences and can affect credit. Down payment assistance eligibility and terms are set by each program, not by CKEXPERTS.
6. Not a lender; no professional advice
CKEXPERTS is not a lender, mortgage broker, law firm or tax advisor. Nothing on this website is a commitment to lend, an offer of credit, or legal, tax or financial advice. Content on the website is provided for general information only.
7. Client services
Any services CKEXPERTS provides to a Client are governed by a separate written agreement between CKEXPERTS and that Client, including any disclosures, cancellation rights and fee terms required by applicable law, such as the Credit Repair Organizations Act and state law.
8. Partner relationship
Nothing in these Terms creates a partnership, joint venture, employment or agency relationship between you and CKEXPERTS. Unless agreed separately in writing, no referral fee or other compensation is paid for referrals.
9. Intellectual property
The CKEXPERTS name, logos and all content on this website are owned by CKEXPERTS or its licensors. You may not copy, modify or use them without our prior written permission.
10. Disclaimer of warranties
The website and Services are provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent permitted by law.
11. Limitation of liability
To the fullest extent permitted by law, CKEXPERTS will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, commissions or business opportunities, arising from your use of the website or the referral program.
12. Indemnification
You agree to indemnify and hold CKEXPERTS harmless from any claims, losses or expenses arising from referrals you submit without proper consent, inaccurate information you provide, or your violation of these Terms or applicable law.
13. Changes to these terms
We may update these Terms from time to time. The "Last updated" date above shows when they were last changed. Continued use of the Services after an update means you accept the revised Terms.
14. Contact
Questions about these Terms can be directed to CKEXPERTS through the contact information provided by our team.