Terms of Service
Effective Date: jan 1st, 2026
Welcome to Freedom Repair Specialists (“Company,” “we,” “our,” or “us”). By accessing or using our website, services, educational materials, subscriptions, or affiliate programs, you agree to comply with and be bound by these Terms of Service (“Terms”).
If you do not agree with these Terms, please do not use our website or services.
1. Our Services
Freedom Repair Specialists provides:
- Credit education resources
- Educational guides and digital materials
- Debt settlement letter templates
- Credit rebuilding educational support
- Affiliate lender and secured credit card referrals
- Access to member-only educational tools
- Subscription-based educational services
We are not:
- A lender
- A credit bureau
- A law firm
- A debt settlement company
- A licensed insolvency trustee
- A financial advisor
We do not guarantee:
- Credit score increases
- Loan approvals
- Credit card approvals
- Removal of accurate information from credit reports
- Specific financial outcomes
Results vary based on each individual’s financial situation and actions.
2. Subscription Membership
Certain services are offered through a recurring subscription membership currently billed at $23 CAD weekly unless otherwise stated on the website.
By subscribing, you authorize us and our payment processors to automatically charge your selected payment method on a recurring basis until canceled.
Your subscription may include:
- Educational consultations
- Access to member resources
- PDF educational guides
- Collection settlement templates
- Affiliate referral access
- Educational support tools
3. Cancellation Policy
You may cancel your subscription at any time through our website or by contacting us at:
Email: info@freedomrepairspecialists.ca
Phone: (866) 970-5842
Cancellation takes 30 days as our services will still be available to you within cancellation time.
Once canceled:
- Future recurring charges will stop
- Access to member-only materials may terminate immediately or at the end of the billing period
We reserve the right to request identity verification before processing cancellation requests.
4. Refund Policy
Due to the digital and educational nature of our services, refunds are generally not guaranteed.
However, refund requests may be reviewed on a case-by-case basis at our sole discretion.
Refunds will not be issued for:
- Failure to use the services
- Failure to cancel before renewal
- Dissatisfaction with third-party lender decisions
- Unrealistic expectations regarding credit outcomes
Chargebacks filed without first contacting us to resolve the matter may result in permanent account termination.
5. Affiliate Relationships
Some services or links on our website may direct users to third-party providers, including lenders, credit card companies, or financial service providers.
We do not:
- Control third-party services
- Guarantee approval from affiliates
- Guarantee the accuracy of third-party offers
- Accept responsibility for third-party actions
All third-party products and services are governed by their own terms and privacy policies.
6. Educational Purposes Only
All information provided through our website, consultations, templates, and digital materials is for educational and informational purposes only.
Nothing on this website constitutes:
- Legal advice
- Financial advice
- Tax advice
- Credit repair guarantees
Users are solely responsible for decisions made based on our educational content.
7. User Responsibilities
By using our services, you agree that you will:
- Provide accurate information
- Use the website lawfully
- Not misuse educational materials
- Not engage in fraudulent activity
- Not attempt unauthorized access to our systems
You understand that your participation and financial behavior significantly affect any results.
8. No Guarantee of Results
Freedom Repair Specialists does not guarantee:
- Credit score improvements
- Debt reductions
- Faster approvals
- Financial recovery
- Removal of legitimate negative credit information
Credit improvement depends on numerous factors outside our control.
9. Intellectual Property
All website content, branding, educational materials, guides, templates, graphics, logos, and digital resources are the property of Freedom Repair Specialists and may not be copied, reproduced, or redistributed without written permission.
10. Limitation of Liability
To the fullest extent permitted by law, Freedom Repair Specialists shall not be liable for:
- Indirect damages
- Financial losses
- Credit denials
- Loan denials
- Missed opportunities
- Third-party actions
- Technical interruptions
Our total liability shall not exceed the amount paid by you for services within the previous 30 days.
11. Indemnification
You agree to indemnify and hold harmless Freedom Repair Specialists, its employees, affiliates, contractors, and partners from any claims, liabilities, damages, or expenses arising from:
- Your use of the services
- Violation of these Terms
- Misuse of educational materials
- Fraudulent or unlawful activity
13. Modifications to Terms
We reserve the right to update or modify these Terms at any time without prior notice.
Updated versions will be posted on this page with a revised effective date.
Continued use of the website after changes constitutes acceptance of the updated Terms.
14. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of Canada and the applicable provincial laws where the user resides, without regard to conflict of law principles.
Any disputes arising from these Terms or the use of our services shall be subject to the exclusive jurisdiction of the courts of Canada and the applicable province in which the dispute arises, unless otherwise required by applicable consumer protection laws.
You should also add a Canadian consumer compliance clause because you advertise nationally:
16. Consumer Protection Rights
Nothing in these Terms limits any consumer rights or protections available under applicable Canadian federal or provincial consumer protection laws.
Where provincial laws provide additional rights or remedies, those rights will apply to users residing in those provinces.