Terms of Use

Effective date: August 6, 2026

These Terms of Use ("Terms") govern your use of the website at apexcreditsolutions.com (the "Site"), operated by Apex Credit Solutions, Inc. ("Apex," "we," "us," or "our"). By accessing or using the Site, or by submitting a request through it, you agree to these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

You may use the Site only for lawful purposes. You agree not to interfere with the Site's operation, attempt to gain unauthorized access to any systems, or use the Site to transmit anything unlawful, misleading, or harmful.

2. Informational purposes; no guarantee of results

Content on the Site is provided for general informational purposes and is not legal, tax, or investment advice. Submitting an assessment request does not create a client relationship. Any services are provided under a separate written agreement between you and Apex. Individual results vary, and no specific credit score, settlement, or financial outcome is guaranteed. You have the right to dispute inaccurate information on your credit reports yourself, at no cost, directly with the credit bureaus.

3. Communications and consent

By submitting your contact information through the Site and checking the consent box, you authorize Apex to contact you by phone, email, and text message at the number and address you provide regarding your inquiry and our services, including through automated technology. Consent is not a condition of purchasing any goods or services. You may withdraw consent at any time as described below and in our Privacy Policy.

4. SMS / text messaging terms

5. Intellectual property

The Site and its content are owned by Apex or its licensors and are protected by applicable intellectual property laws. See our Copyright & Trademark page for details. You may not copy, reproduce, or use them without our prior written permission, except for your own personal, non-commercial viewing of the Site.

6. Third-party links and services

The Site may link to third-party websites or services. We do not control and are not responsible for their content, policies, or practices. Your use of any third-party site is at your own risk and subject to that site's terms.

7. Disclaimer of warranties

The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

8. Limitation of liability

To the fullest extent permitted by law, Apex will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Site. To the extent any liability cannot be excluded, our total liability for claims relating to the Site will not exceed one hundred dollars ($100).

9. Indemnification

You agree to indemnify and hold harmless Apex and its owners, employees, and agents from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your misuse of the Site or violation of these Terms.

10. Governing law

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law rules. Any dispute relating to the Site will be brought exclusively in the state or federal courts located in Richmond County, New York.

11. Changes to these Terms

We may revise these Terms at any time by posting an updated version on the Site. The "Effective date" above shows when they were last revised. Your continued use of the Site after changes are posted means you accept the updated Terms.

12. Contact us

Apex Credit Solutions, Inc.
1281 Arthur Kill Road, Lower Level
Staten Island, New York 10312
T: (888) 445-9343 • P: (718) 701-2252
info@apexcreditsolutions.com