KREDIT KEYS LEGAL
Terms & Conditions
Last updated: September 22, 2026
These Terms & Conditions govern your use of the Kredit Keys website operated by Kredit Koncepts Financial Service LLC. By using the website, you agree to these terms. If you do not agree, please do not use the website.
Website use
You may use this website for lawful personal and informational purposes. You may not interfere with the website, attempt unauthorized access, submit false information, misuse forms, or use site content in a way that violates another person’s rights.
Informational nature of the website
Website content is general information about Kredit Keys and related services. It is not legal, tax, lending, or individualized financial advice. Information on the website may not address every person’s circumstances.
Service requests and written agreements
Submitting a form or survey asks us to contact you; it does not create a purchase or service relationship. Kredit Keys services are provided under a separate written agreement that describes the selected service, pricing, responsibilities, and other applicable terms. If that agreement conflicts with these website terms regarding the paid service, the written agreement controls.
Kredit Keys services and results
Kredit Keys does not guarantee a credit score increase, the removal of any item, or approval for a mortgage or any other loan. Results depend on the individual’s credit file, verified payment history, credit-bureau responses, and the scoring model a lender uses.
Kredit Koncepts is not a mortgage lender or broker and does not make loans or credit decisions. Lenders independently determine their underwriting requirements and decisions.
Your responsibilities
You are responsible for providing accurate, current information and documents, reviewing communications, protecting your account credentials, and following the written service agreement. Do not send passwords, full Social Security numbers, or other sensitive credentials through ordinary email, text message, or any website field that does not specifically provide an approved secure workflow.
Intellectual property
The website’s branding, design, text, graphics, and other content are owned by or licensed to Kredit Koncepts unless otherwise stated. You may view and use the website for personal purposes, but may not reproduce, distribute, or commercially exploit protected content without permission.
Third-party services and links
The website may link to Secure Client Access, the Apple App Store, Google Play, credit-report providers, or other third-party services. We do not control third-party availability, content, terms, privacy practices, pricing, or performance. Your use of a third-party service is governed by that provider’s terms.
Website availability
We work to keep the website useful and available, but cannot promise uninterrupted or error-free access. We may change, suspend, or discontinue website features when reasonably necessary.
Limitation language
To the extent permitted by applicable law, Kredit Koncepts is not responsible for indirect, incidental, special, or consequential loss arising solely from use of, or inability to use, this informational website or a third-party link. Nothing in these terms excludes rights or responsibilities that cannot lawfully be excluded.
Changes to these terms
We may update these terms when the website, services, or applicable requirements change. The date above shows the latest revision. Continued use after changes are posted means you accept the revised website terms.
Contact us
Kredit Koncepts Financial Service LLC
1175 Castle Hill Ave, Bronx, NY 10462
Email: support@kreditkoncepts.com
Phone: 347-269-1403
