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Please read these Terms of Service carefully. By accessing or using The 800 Club’s website, programs, or services, you agree to be legally bound by these terms in their entirety.
By accessing, browsing, enrolling in, or using any service, product, digital offering, or platform operated by The 800 Club Holdings LLC ("The 800 Club," "we," "our," or "us"), you agree to be legally bound by these Terms of Service ("Terms"), our Privacy Policy, any service-specific agreements presented at enrollment, and any additional policies incorporated herein by reference.
If you do not agree to these Terms in their entirety, you must immediately cease all use of our website, services, and platforms. Your continued use of any The 800 Club service after any modification to these Terms constitutes acceptance of the updated Terms.
The 800 Club Holdings LLC offers the following categories of services:
All services are provided for general educational and informational purposes. Nothing provided by The 800 Club constitutes legal advice, financial advice, tax advice, or the establishment of any professional advisory relationship. No attorney-client, fiduciary, or registered investment advisory relationship is formed by your use of our services.
You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within three (3) business days from the date you signed the contract. See the cancellation section of your service agreement for specific instructions.
Credit repair services are governed by a separate written contract provided to you at enrollment, which includes a complete description of services, total cost, timeline estimates, and your cancellation rights. You should receive and retain a copy of that contract.
To use our services, you must be at least 18 years of age and legally capable of entering into binding contracts under the laws of your jurisdiction. By accessing or using our services, you represent and warrant that:
We reserve the right to refuse service, suspend accounts, or terminate access for any individual who does not meet these eligibility requirements or who we reasonably believe has provided false or misleading information.
The 800 Club explicitly does not guarantee any specific financial outcome, credit score improvement, deletion of any credit item, loan approval, funding approval, or any other result from use of our services. All services are educational, strategic, and informational in nature. Individual results will vary based on factors outside our control, including but not limited to:
You acknowledge that credit repair, credit education, and funding readiness preparation are processes with variable outcomes, and that your decision to use our services is voluntary and made at your own risk and judgment.
All fees for services are due as specified at the time of enrollment, in your service agreement, or as otherwise agreed in writing. By providing payment information, you authorize The 800 Club or its designated payment processors to charge the fees associated with your selected services.
Chargebacks initiated without first contacting us to resolve a dispute may result in immediate suspension of services, referral to collections, and/or legal action to recover amounts owed plus applicable fees. We reserve the right to refuse or cancel service at our sole discretion and to charge reasonable fees for collection of unpaid amounts, including attorney’s fees where permitted by law.
All purchases are final. Due to the nature of our digital products and educational services, we generally do not offer refunds except in the following circumstances:
Community membership subscriptions may be cancelled at any time to prevent future billing. No partial refunds are issued for unused portions of a current billing cycle. Refund requests outside of the circumstances above will not be honored. By enrolling in any service, you acknowledge and accept this refund policy.
Access to The 800 Club community on Skool is provided subject to these Terms, the Skool platform’s own terms of service, and the community rules established by The 800 Club. As a community member, you agree to:
The 800 Club reserves the right to suspend or permanently remove any member from the community for violations of these Terms, community guidelines, or behavior that we determine, in our sole discretion, to be harmful to the community environment. No refund is issued upon removal for cause.
Participation in The 800 Club Affiliate Program is subject to a separate Affiliate Agreement presented at the time of application and approval. The following terms apply to all affiliates:
Violation of affiliate terms may result in forfeiture of unpaid commissions and immediate termination of affiliate status.
By using our services, you agree not to:
Violations of this policy may result in immediate termination of your access to all services, forfeiture of any fees paid, and referral to appropriate legal authorities where required.
All content, materials, tools, systems, branding, logos, course materials, community content produced by The 800 Club, software, and other intellectual property associated with The 800 Club are owned exclusively by The 800 Club Holdings LLC and are protected by applicable U.S. and international copyright, trademark, trade secret, and other intellectual property laws.
Your use of our services does not grant you any ownership rights or license to our intellectual property beyond what is expressly necessary to access and use the services as intended. Specifically, you may not:
Unauthorized use of our intellectual property may result in civil and/or criminal liability. We actively monitor and enforce our intellectual property rights.
To the maximum extent permitted by applicable law, The 800 Club Holdings LLC, and its officers, directors, employees, contractors, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or in connection with your access to or use of — or inability to use — our website, services, or community, including but not limited to:
In no event shall The 800 Club’s total cumulative liability to you for any and all claims arising out of or in connection with these Terms or our services exceed the total amount of fees you actually paid to The 800 Club in the twelve (12) months immediately preceding the event giving rise to the claim.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
Our website, services, content, and community platform are provided on an "as-is" and "as-available" basis without warranties of any kind, express or implied. To the fullest extent permitted by applicable law, The 800 Club expressly disclaims all warranties, including but not limited to:
No advice, guidance, or information provided by The 800 Club or its personnel creates any warranty not expressly stated in these Terms or in a signed written agreement with you.
You agree to indemnify, defend, and hold harmless The 800 Club Holdings LLC and its officers, directors, employees, contractors, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, penalties, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or in connection with:
We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully with our defense of such claim.
The 800 Club shall not be liable for any delay, failure, or interruption of services resulting from causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemics, government actions, war, terrorism, civil unrest, strikes or labor disputes, internet or telecommunications outages, cyberattacks, failure of third-party platforms or infrastructure, or any other event that could not have been reasonably foreseen or prevented.
In the event of a force majeure occurrence, we will make reasonable efforts to notify affected clients and resume services as soon as practicable. Service interruptions due to force majeure do not entitle you to refunds or credits except as explicitly required by applicable law.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
The arbitration shall be conducted by a single neutral arbitrator. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Waiver of Class Actions: YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If for any reason a claim proceeds in court rather than arbitration, you waive any right to a jury trial and agree that such proceedings shall be conducted individually and not as part of any class or consolidated action.
Exceptions: The following disputes are excluded from arbitration: (i) claims within the jurisdiction of a small claims court; (ii) claims for injunctive or other equitable relief to protect intellectual property rights; and (iii) claims that applicable law expressly requires to be resolved outside of arbitration.
You have the right to opt out of this arbitration agreement by sending written notice to support@the800club.com within thirty (30) days of first accepting these Terms. Your opt-out notice must include your name, address, and a clear statement that you wish to opt out of arbitration.
The 800 Club reserves the right to suspend, restrict, or permanently terminate your access to any or all of our services at any time, with or without notice, for any of the following reasons:
You may terminate your use of our services at any time by cancelling any active subscriptions and ceasing all use of our platforms. Termination does not extinguish any outstanding payment obligations, and all provisions of these Terms that by their nature should survive termination — including intellectual property, indemnification, disclaimer of warranties, limitation of liability, and arbitration — shall survive.
These Terms are governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law principles. To the extent any dispute is not subject to arbitration under Section 16 and must be resolved in court, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Sheridan County, Wyoming, and waive any objection to such jurisdiction or venue.
Notwithstanding the foregoing, certain consumer protection laws in your jurisdiction of residence may provide you rights that cannot be waived by contract. Nothing in these Terms is intended to limit or waive any such non-waivable rights.
You agree that your electronic acceptance of these Terms — whether by clicking "I agree," submitting a digital form, completing a checkout, or engaging in any other act of electronic consent — constitutes your legally binding signature and acceptance under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Uniform Electronic Transactions Act (UETA).
All notices, agreements, disclosures, and communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You consent to receive all communications from The 800 Club electronically unless you specifically request a written alternative and applicable law requires us to honor that request.
The 800 Club reserves the right to modify, update, or replace these Terms at any time in its sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this document. Where the changes are significant, we will make reasonable efforts to notify you — such as via email or a notice on our website — prior to the changes taking effect.
Your continued access to or use of our services after any update to these Terms constitutes your binding acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of our services immediately. It is your responsibility to review these Terms periodically to remain informed of any updates.
If you have questions about these Terms, wish to exercise any legal rights, or need to reach our legal or compliance team, please use the contact information below. For CROA-related concerns, please specifically reference "CROA Inquiry" in your subject line.
Email: support@the800club.com
Phone: (310) 779-4640
Mailing Address: 1309 Coffeen Ave. STE 15739, Sheridan, WY 82801
These Terms of Service, together with our Privacy Policy and any service-specific agreements, constitute the entire agreement between you and The 800 Club with respect to your use of our services and supersede all prior understandings, negotiations, and agreements relating to the same subject matter.