These Terms govern your access to and use of AQ Wealth University's website, client portal, and all credit education and dispute assistance services.
By accessing our website or enrolling in any AQ Wealth University service, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our website or services. These terms are subject to change — your continued use after changes are posted constitutes acceptance.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "Client," or "you") and AQ Wealth University ("Company," "we," "us," or "our") governing your use of our website at aqwealthuniversity.com, our client portal, and all related services, features, and content. By accessing or using our website, creating an account, or enrolling in a service plan, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
AQ Wealth University provides credit education, credit report analysis, and dispute assistance guidance services to consumers across all 50 United States. Our services are designed to help consumers understand their credit reports and exercise their rights under applicable federal consumer protection laws, including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
What We Do Not Do
AQ Wealth University is not a law firm and does not provide legal advice. We are not a lender, debt collector, financial advisor, or credit counseling agency. We do not negotiate debts on your behalf, provide legal representation, or guarantee any specific outcome related to your credit profile or financial situation.
Age: You must be at least 18 years of age. Our services are not available to minors.
Residency: You must be a resident of the United States. Services are available in all 50 states.
Legal Capacity: You must have the legal capacity to enter into binding contracts under applicable law.
Accurate Information: You must provide truthful, accurate, and complete information when enrolling and throughout your engagement with our services.
By enrolling in a service plan, you authorize AQ Wealth University to charge your payment method the fees associated with your selected plan. All fees are described in detail in your Service Agreement.
CROA Fee Compliance
In accordance with the Credit Repair Organizations Act (CROA), AQ Wealth University does not charge or receive any payment for services before those services have been fully performed. The initial enrollment fee covers the first period of services rendered.
If you cancel within 3 business days of signing your Service Agreement, you are entitled to a full refund of any fees paid, as required by CROA. After the 3-day window, fees for services already performed are non-refundable.
By providing your phone number and checking the SMS consent checkbox during enrollment or form submission, you agree to receive text messages from AQ Wealth University. These messages may include service updates, appointment reminders, account notifications, and (with separate consent) promotional offers.
How to Opt Out
Reply STOP to any text message to opt out at any time. Reply HELP for assistance. Message and data rates may apply. Message frequency varies. Opting out will not affect your ability to receive services through other channels.
Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages. AQ Wealth University is not responsible for any delays in message delivery caused by your wireless carrier or network conditions.
You agree not to use our website or services for any unlawful purpose or in any manner prohibited by these Terms. Prohibited uses include:
Important — Required by Federal Law
AQ Wealth University does not guarantee the removal of any specific item from a credit report, any specific credit score increase, or any specific financial outcome. Results vary based on each consumer's individual credit profile and circumstances. No one — including AQ Wealth University — can legally remove accurate, timely negative information from a credit report before its legally mandated expiration period.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. AQ WEALTH UNIVERSITY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL AQ WEALTH UNIVERSITY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES. AQ Wealth University's total liability for all claims arising out of or related to these Terms shall not exceed the total amount of fees you paid to AQ Wealth University in the three (3) month period immediately preceding the claim.
Either party may terminate these Terms at any time. You may cancel your service enrollment at any time by providing written notice to AQ Wealth University. Under CROA, you have the right to cancel within 3 business days of signing your Service Agreement without penalty.
We reserve the right to suspend or terminate your access to our services if you violate these Terms, provide false information, fail to pay fees when due, or engage in conduct harmful to our business or other clients.
AQ Wealth University reserves the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify enrolled clients via email. Your continued use of our services after the effective date of any revised Terms constitutes your acceptance of the changes.
Our team is available Monday through Friday. We aim to respond to all inquiries within one business day.
These Terms of Service constitute the entire agreement between you and AQ Wealth University with respect to your use of the website and services. AQ Wealth University provides credit education and consulting services. We do not guarantee the removal of accurate information or specific credit score increases. This document does not constitute legal advice. © 2026 AQ Wealth University. All rights reserved.
