MyCreditUW App

Terms of Use

By using this app, you agree to these terms. Please review them so expectations are clear.
1. Use of the app
Basic agreement to use the platform.

This app is provided to help you understand your readiness and prepare before applying for financial products.

By using the app, you agree to use it for lawful purposes and for your own personal or business preparation.

2. No approvals or decisions
What the app does NOT do.

The app does not make lending decisions, approvals, denials, or offers.

All outputs are educational and should not be treated as final outcomes.

3. Account responsibility
Your responsibility as a user.

You are responsible for maintaining your account, login credentials, and the accuracy of the information you enter.

Any activity under your account is your responsibility.

4. Data and inputs
How your data is used.

The app uses the information you provide to generate readiness insights and experience continuity.

Incorrect or incomplete data may lead to inaccurate outputs.

5. Membership access
Paid vs free access.

Some features are only available to certain membership levels.

Access may change based on your current plan or status.

6. Payments and billing
How billing works.

All payments are handled through the platform’s billing system.

Refunds and billing terms follow the platform’s stated policies.

7. No guarantees
Important limitation.

Use of this app does not guarantee approvals, outcomes, or financial results.

Real-world results depend on many external factors.

8. Platform availability
Service expectations.

The app may be updated, changed, or temporarily unavailable.

We do not guarantee uninterrupted access.

9. Acceptable use
What you cannot do.

You agree not to misuse the platform, attempt to break it, or use it for fraudulent purposes.

Violation may result in account restriction or removal.

10. Changes to terms
Future updates.

These terms may be updated over time as the platform evolves.

Continued use means you accept any updates.

Ask MyCreditUW Assistant FAQ first, AI fallback for members. No underwriting or approval decisions.