TERMS OF USE

1. Educational Purpose

CreditCookbook provides educational content about consumer credit rights, business credit building, and credit reporting laws. The information is based on federal statutes (FCRA, FDCPA, FCBA), regulatory guidance (CFPB, FTC), and general credit industry practices.

We do not provide:

• Individualized legal advice or legal representation
• Financial planning or investment advice
• Credit repair services (we are not a credit repair organization under the Credit Repair Organizations Act)
• Guarantees of specific legal or financial outcomes

2. No Attorney-Client Relationship

Using this site, reading our content, or using our tools does not create an attorney-client relationship between you and CreditCookbook or Caleb Pierre Ventures LLC. Communications via email, GitHub, or social media do not constitute legal advice.

3. Tool Disclaimer

Our interactive tools (dispute letter generator, utilization calculator, damages estimator, business credit checklist) are provided as-is for educational purposes:

• Generated letters are templates, not legal documents — review and customize before sending
• Damage estimates are statutory ranges, not predictions of legal outcomes
• Calculators use publicly available formulas and may not reflect your exact situation
• Always verify information against primary sources before acting

4. Accuracy of Information

We strive for accuracy, but laws change, bureau procedures evolve, and credit scoring models update. We cannot guarantee all information is current. Always verify against primary sources (statutes, bureau websites, CFPB guidance) before relying on any information from this site.

5. Use of Letter Templates

The dispute letters, validation requests, and other templates on this site are educational templates. You are responsible for:

• Customizing the template to your specific situation
• Ensuring all statements are truthful and accurate
• Understanding the legal implications of any document you send
• Following proper dispute procedures and timelines

6. Not a Credit Repair Organization

CreditCookbook is not a credit repair organization as defined by the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679. We do not:

• Charge fees for credit repair services
• Make representations about improving your credit score
• Act as an intermediary between you and credit bureaus
• Sell your information to third parties

7. Open Source License

Site code is open-source and available at github.com/ghettoeinstein/creditcookbook.com. Content is licensed for educational use. See the repository for specific license terms.

8. Limitation of Liability

To the fullest extent permitted by law, CreditCookbook and Caleb Pierre Ventures LLC are not liable for any damages arising from the use of this site, including but not limited to direct, indirect, incidental, consequential, or punitive damages. You use this site and its tools at your own risk.

9. Third-Party Links

We link to external resources for your convenience. We do not control and are not responsible for the content, accuracy, or practices of third-party sites.

10. Indemnification

You agree to indemnify and hold harmless CreditCookbook and Caleb Pierre Ventures LLC from any claims, damages, or expenses arising from your use of this site or any documents generated from our tools.

11. Changes to Terms

We may update these terms as the site evolves. Continued use of the site after changes constitutes acceptance of the updated terms.

12. Governing Law

These terms are governed by applicable U.S. federal and state laws. Any disputes will be resolved in the appropriate jurisdiction.

13. Contact

Questions about these terms? Email hello@creditcookbook.com or open an issue on GitHub.