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Divine Stewardship Restoration

Terms of Service

These Terms of Service govern your access to and use of the website and services provided by Divine Stewardship & Restoration (“Company,” “we,” “our,” or “us”). By accessing our website or enrolling in our services, you agree to these Terms. If you do not agree with these Terms, you should not use our website or services.

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Nature of Services

Divine Stewardship & Restoration provides credit related services including but not limited to:
    1. Credit report analysis
    2. Dispute management assistance
    3. Identity related reporting review
    4. Credit education and consultation
    5. Processing payments
    6. Providing customer support
    7. Improving our website and services
    8. Complying with federal and state legal requirements

We operate as a private credit services provider and are not a credit bureau, lender, or government agency.
Our services are designed to assist clients in reviewing and disputing inaccurate, outdated, or unverifiable information under applicable federal laws including the Fair Credit Reporting Act and the Credit Repair Organizations Act.

Limitation of Liability

We are not responsible for:
Decisions made by lenders or creditors
Actions taken by credit reporting agencies
Outcomes beyond our control
Financial losses related to credit denials

To the maximum extent permitted by law, our liability is limited to fees paid for services.

Client Responsibilities

By enrolling in our services, you agree to:
Provide accurate and truthful information
Submit required documentation when requested
Maintain communication during the service process
Make timely payments for agreed services
Not submit false or misleading information

Failure to provide accurate information may impact service effectiveness.

Compliance With Federal Law

Our services operate in accordance with applicable federal laws including:
 01  FCRA

Fair Credit Reporting Act

 02 CROA

Credit Repair Organizations Act

 03 FDCPA

Fair Debt Collection Practices Act

We do not engage in deceptive practices, file false disputes, or attempt to remove accurate information from credit reports.

Privacy

Your privacy is important to Divine Stewardship & Restoration (“DivineStewardshipandRestoration.com”). Please read our Privacy Policy carefully to understand how we collect, use, disclose, transfer, and store your information. By visiting DivineStewardshipandRestoration.com website or agreeing to content that includes a link to this document (“Online Ads”), you agree to the practices described in this Privacy Policy and our Terms of Use.

Our Collection and Use of Personal Information Personal Information is information you provide us that can be used to uniquely identify or contact a single person, such as your name, email address, phone numbers and tax identification number. You may be asked to provide Personal Information when you interact with Divine Stewardship & Restoration, Online Ads, or one of Divine Stewardship & Restoration related companies, such as in connection with a completed or abandoned transaction or a request for information from Divine Stewardship & Restoration. Divine Stewardship & Restoration and its related companies may share your Personal Information with each other and use it consistent with this Privacy Policy. Divine Stewardship & Restoration may supplement the Personal Information you provide with Personal Information available from other sources, such as public databases, data aggregators, and other commercially available sources.

Changes to Terms

This Website Terms of Use Agreement (“Website Terms”) is between you and the Divine Stewardship & Restoration, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“Divine Stewardship & Restoration,” “we” or “us”), with a NO principal place of business as the Divine Stewardship & Restoration is a tool that requires no actual office.

Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the “Website”), your engagement by using the Divine Stewardship & Restoration tool, your request that Divine Stewardship & Restoration, and/or your participation in Divine Stewardship & Restoration is allowing and entering into the Divine Stewardship & Restoration Text Message Program. Divine Stewardship & Restoration “Text Message Program” includes sending text message(s) to Divine Stewardship & Restoration and/or receiving text message(s) from Divine Stewardship & Restoration.

More about your privacy

All fees are disclosed prior to enrollment.

By enrolling in our Pay As You Go or other service plans, you authorize recurring billing where applicable. Fees are charged according to the selected service plan.

You agree to maintain valid payment information on file. If payment fails, services may be paused until resolved.

Notice of Right to Cancel ”You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you. ”To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Divine Stewardship & Restoration 7137 Old Easton Rd, Pipersville, PA 18947, before midnight on the 3rd day which begins after the date you have signed this contract stating ”I hereby cancel this transaction, (date) (purchaser’s signature).’’

By using our website or enrolling in services, you consent to receive communications electronically, including emails, text messages, and account notifications related to your services.

All website content, branding, text, graphics, and materials are the property of Divine Stewardship & Restoration and may not be copied, reproduced, or distributed without permission.

Information provided through our website or services is for educational purposes only and does not constitute legal advice.

These Terms shall be governed by the laws of the United States and the State of Pennsylvania, without regard to conflict of law principles.