Terms of Use

By accessing or using shoptradelines.com (the “Site”) you agree to these Terms of Use, our Privacy Policy, and all Disclosures. If you do not agree, do not use the Site.

The Site is intended for U.S. residents who are at least 18 years old and legally able to enter into binding agreements. By using the Site you represent that you meet these requirements.

ShopTradelines is an independent educational research platform. The Site provides articles, guides, comparisons, and an educational credit profile assessment to help consumers understand how authorized-user tradelines are commonly discussed. The Site does not sell, originate, broker, or guarantee any financial product.

Content on the Site is for general educational purposes only and is not legal, financial, lending, tax, or credit-repair advice. You should consult a qualified professional before making decisions based on Site content.

You agree not to:

• Use the Site for any unlawful, fraudulent, or harmful purpose;
• Submit a CPN, credit privacy number, synthetic identity, or false Social Security Number;
• Misrepresent identity, eligibility, or credit profile information;
• Attempt to interfere with the Site, scrape content, or bypass security controls;
• Use the Site to harass, threaten, or defraud any person or entity.

The Site may refer requests to independent third-party providers that operate under their own terms, identity verification standards, pricing, refund policies, and timelines. ShopTradelines does not control and is not responsible for the acts, omissions, products, or services of any third-party provider.

All Site content — including text, graphics, logos, and code — is owned by or licensed to ShopTradelines and protected by U.S. and international intellectual property laws. You may view Site content for personal, non-commercial use only.

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SHOPTRADELINES DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY LAW, SHOPTRADELINES AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR CREDIT OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE.

You agree to indemnify, defend, and hold harmless ShopTradelines and its affiliates from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising from your violation of these Terms or misuse of the Site.

These Terms are governed by the laws of the United States and the State of Delaware, without regard to conflict-of-law principles. Any dispute will be resolved exclusively in the state or federal courts located in Delaware, unless required otherwise by applicable consumer-protection law.

We may update these Terms from time to time. Material changes will be reflected by an updated “Effective” date at the top of this page. Continued use of the Site after changes constitutes acceptance of the revised Terms.

Questions about these Terms may be sent to [email protected].