Terms of service

Effective Date: April 25th, 2026

1. Agreement to Terms

Welcome to Swipe to Status (“Company,” “we,” “us,” or “our”).

By accessing or using Swipetostatus.com (the “Site”) and our services, including credit strategy reports, consulting services, and client portal communications, you agree to be bound by these Terms of Service (“Terms”).

If you do not agree, do not use our services.

2. Eligibility

You must be:

  • At least 18 years old
  • A resident of the United States

By using our services, you represent and warrant that you meet these requirements.

3. Description of Services

Swipe to Status provides:

  • Personalized credit strategy reports (PDF deliverables)
  • Financial profile analysis based on user-provided data
  • Consulting services through a secure client portal
  • Educational and informational guidance related to credit and financial strategies

4. No Financial or Legal Advice

Swipe to Status is not a bank, lender, credit bureau, or financial institution.

We do not provide:

  • Financial advice
  • Legal advice
  • Tax advice

All content and recommendations are:

  • For educational and informational purposes only
  • Based solely on the information you provide

You are solely responsible for any decisions you make.

5. No Guarantees of Results

We do not guarantee:

  • Credit approval
  • Credit score increases
  • Approval for any credit card or loan
  • Specific financial outcomes

Results vary based on individual circumstances, lender criteria, and external factors beyond our control.

6. User Responsibilities

You agree to:

  • Provide accurate, truthful, and complete information
  • Maintain the confidentiality of your account credentials
  • Use the services only for lawful purposes

You acknowledge that inaccurate information may lead to inaccurate recommendations.

7. Payments & Billing

Payments are processed through third-party providers, including:

  • Shopify
  • Stripe
  • PayPal

By purchasing, you agree to:

  • Pay all applicable fees
  • Authorize payment processing

We do not store full payment card details.

8. Refund Policy

Due to the nature of digital products and consulting services:

  • All sales are final
  • No refunds will be issued once services have begun or a report has been delivered

If a service has not yet been initiated, we may, at our sole discretion, review refund requests.

9. Client Portal & Communication

All consulting services are conducted through a secure client portal.

  • Advisors communicate responses within the portal
  • Email and SMS are used for notifications only
  • Direct consulting via email or SMS is not provided

You are responsible for monitoring your account for updates.

10. Affiliate & Third-Party Relationships

Swipe to Status may:

  • Recommend third-party financial products or services
  • Receive commissions or referral fees

When you click external links:

  • You leave our Site
  • Third-party terms and policies apply

We are not responsible for third-party actions, approvals, or outcomes.

11. Intellectual Property

All content provided by Swipe to Status, including:

  • Reports
  • PDFs
  • Frameworks
  • Branding

is the property of Swipe to Status and is protected by intellectual property laws.

You may not:

  • Copy, reproduce, or distribute content
  • Resell or commercially exploit any materials

12. Prohibited Use

You agree not to:

  • Use the Site for fraudulent purposes
  • Attempt to gain unauthorized access
  • Interfere with Site functionality
  • Misuse or exploit our services

13. Disclaimer of Warranties

All services are provided “as is” and “as available.”

We make no warranties, including:

  • Accuracy of recommendations
  • Reliability of outcomes
  • Fitness for a particular purpose

14. Limitation of Liability

To the fullest extent permitted by law:

Swipe to Status shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Financial losses resulting from your decisions
  • Denied credit applications or unfavorable outcomes

Our total liability shall not exceed the amount you paid for the service.

15. Indemnification

You agree to indemnify and hold harmless Swipe to Status from any claims, damages, or liabilities arising from:

  • Your use of the services
  • Your violation of these Terms
  • Your reliance on our recommendations

16. Account Termination

We reserve the right to:

  • Suspend or terminate accounts
  • Refuse service

at our sole discretion, including for violations of these Terms.

17. Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict of law principles.

18. Dispute Resolution & Arbitration

Any dispute arising out of or relating to these Terms shall be resolved through:

  • Binding arbitration, not court litigation

You agree to:

  • Waive the right to a jury trial
  • Waive participation in class action lawsuits

Arbitration shall take place in Massachusetts.

19. Changes to Terms

We may update these Terms at any time.

Continued use of the Site constitutes acceptance of updated Terms.

20. Contact Information

For questions regarding these Terms:

Swipe to Status client portal.