Disclaimer for Aristokracy LLC

If you require any more information or have any questions about our site's disclaimer, please feel free to contact us by email at info@aristokracy.com or info@buildyourcredit.org

Disclaimers for buildyourcredit.org

From our website, you can visit other websites by following hyperlinks to such external sites. While we strive to provide only quality links to useful and ethical websites, we have no control over the content and nature of these sites. These links to other websites do not imply a recommendation for all the content found on these sites. Site owners and content may change without notice and may occur before we have the opportunity to remove a link which may have gone 'bad'. All the information on this website - http://www.buildyourcredit.org - is published in good faith and for general information purpose only. buildyourcredit.org does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information you find on this website (buildyourcredit.org), is strictly at your own risk. buildyourcredit.org will not be liable for any losses and/or damages in connection with the use of our website.

Please be also aware that when you leave our website, other sites may have different privacy policies and terms which are beyond our control. Please be sure to check the Privacy Policies of these sites as well as their "Terms of Service" before engaging in any business or uploading any information.



By using our website, you hereby consent to our disclaimer and agree to its terms.


Should we update, amend or make any changes to this document, those changes will be prominently posted here.

Terms & Conditions for Credit Builder Card and BuildYourCredit.org partnership

Credit Builder Card Terms and Conditions

Please review the whole Credit Builder Card Terms and Conditions Agreement. ​You agree to the Agreement by clicking the “Continue” button. 

The Terms and Conditions Agreement establishes the relation between Credit Builder Card and you, the individual utilizing our Services (“customer,” “you” or “your). You may utilize the Services only in adherence to the Terms and Conditions Agreement and by complying with federal and state laws.

We can revise these Terms and Conditions Agreement by publishing the updated Terms and Conditions Agreement on Site (Described below). We may cease your access to the Services at any time. You can identify the date when the Terms and Conditions Agreement was last revised by referring to the "Last Edited" note at the end of the agreement. Continuing to use the Services after we have published an revised Terms and Conditions Agreement represents your agreement of the edited Terms and Conditions Agreement.


By using the Services, you can utilize our website, www.creditbuildercard.com, (“Site”) which provides a platform for enrolling into a program to save up funds to open a secured credit card. When you provide information to the Services, you agree to provide only true, accurate, and current information about yourself and you agree to not fabricate your identity or your account information. 

By using our services you authorize Credit Builder Card to charge your card on file a set number of times until we have processed the entire $200 deposit from you at which point the funds will be utilized for the funding of the security deposit of a credit card with our partner bank. Prior to your application being submitted to the bank you will complete the cardholder agreement. Alternatively you can authorize Credit Builder Card to process the entire $200 deposit at once and immediately submit your application to Credit Builder Card's partner bank once you have completed the cardholder agreement. 

Regardless of whether you have saved up the deposit through our service or opted to fund the entire $200 deposit at time of checkout, once the card deposit is funded and you have completed the cardholder agreement your $200 deposit will be processed and your application submitted with our issuing bank partner. Should you fund the entire deposit at once the deposit will be processed by our issuing bank partner. Should you fund the deposit in increments, we would charge your account until the deposit was funded and then we would fund your deposit on your behalf with our issuing bank partner.

Once the application is submitted to the issuing bank partner, you will need to contact them directly with any issues regarding your account or deposit. Of course you are always welcome to contact us about your account and we'll do our best to direct you to the appropriate resource. 

Notwithstanding the above, you have the ability to request a full and complete refund of your funds during your savings plan, should you choose that option during enrollment, to save up the $200 deposit. To request a refund during your savings plan simply email support@creditbuildercard.com. All requests will be received and processed within 5 business days. All money refunded will be returned to the debit, prepaid, or credit card we have on file for your account. Credit Builder Card cannot issue refunds in any other manner that include, but are not limited, to cash, check, money order or ACH transfer. Remember once you have saved up the full deposit and completed the cardholder agreement, your funds will be transferred to the issuing bank and Credit Builder Card will be unable to process your refund. Please note Credit Builder Card cannot issue refunds in instances when the deposit is processed by the issuing bank. In those situations you will need to contact the bank directly.

Our banking partner is not under our control, and we are not liable for and do not guarantee, review, or verify the products and services of our banking partner. 

Consent for Text, Push Notifications and E-Mail 

You give Credit Builder Card express written permission to receive text messages or push notification alerts from Credit Builder Card, or partners acting on Credit Builder Card's behalf, at the telephone number you give to Credit Builder Card, even if you have registered your mobile device number on any state or federal "do not call" registry. Your express, written consent pertains to messages and alerts in respect to the Credit Builder Card services. Through giving your email to Credit Builder Card, you agree that Credit Builder Card, or partners acting on our behalf, may e-mail you notification pertaining to any aspect of providing the Services to you disregarding of your enrollment of your email with any state or federal "do not email" registry.  Credit Builder Card will never send sensitive personal identification information to you through text, email, phone or push notification. 


You consent to indemnify Credit Builder Card, its officers, directors, employees, and bank partners against all losses, costs,  and damages encompassing reasonable attorneys' fees, deriving from any transgression of this Agreement (including negligent or wrongful conduct) by you or any other person utilizing the Service.

Any cause of action or claim you may have in regards to the Service must begin inside of one (1) year after the claim or cause of action occurred or such claim or cause of action is blocked. Credit Builder Card failure to enforce stringent conduct of any clause of this Agreement shall not be interpreted as a relinquishment of any clause or right. Neither the actions between the parties nor business practices shall cause a modification to any part of this Agreement. Credit Builder Card can appoint its rights and responsibilities specified by this Agreement to any entity at any time without communication to you.

At no time shall Credit Builder Card be liable for any direct, indirect, punitive, incidental, or any damages whatsoever encompassing, without limitation, cost for loss of use, data or profits, deriving out of or in any way related with the use or conduct of the Site, with the delay or inability to utilize the Site, the provision of or failure to provide services, or otherwise deriving out of the utilization of the Services, irregardless of it being based on contract, tort, negligence, strict liability or otherwise, even if Credit Builder Card has been advised of the possibility of problems. Any services or content accessed during the use of the Services is completed at your own volition and judgement and you will be solely responsible for any damage to your computer system or loss of data that results therefrom.

Should you be unhappy with any aspect of the Site, or with any part of the Terms and Conditions Agreement, your only action is to immediately cease your utilization of the Site.  

Governing Law and Resolution 

The Terms and Conditions Agreement will be subject to and construed under the laws of the State of Colorado, without reference to the conflicts of law provisions thereof.

The Terms and Conditions Agreement includes a pre-dispute arbitration clause, which applies to these Terms and Conditions. By clicking the "Continue" button and agreeing to the Terms and Conditions Agreement, Credit Builder Card and you agree as follows:

•    All parties to the Terms and Conditions Agreement are forfeiting the right to sue each other in court, including the right to a trial by jury, save as provided by the rules of the arbitration forum in which a claim is filed.
•    Arbitration awards are generally final and binding; a party's ability to have a court reverse or change an arbitration award is very limited.
•    The capacity of the parties to access documents, witness statements and other discovery is generally more limited in arbitration than in court proceedings.
•    The rules of some arbitration forums may establish time constraints for bringing a claim in arbitration. In some situations, a claim that is ineligible for arbitration may be brought in court.

Pre-dispute arbitration clause: You understand and consent that all claims, disagreements, disputes or controversies between you and Credit Builder Card , and its officers, directors, employees, representatives, agents,  and/or related companies, including pertaining to the Services, shall be resolved by final and binding arbitration.

Neither you nor we shall be entitled to join or consolidate claims in arbitration by or against other customers/consumers or arbitrate any claim as a representative or member of a class or in a private attorney general capacity. The parties voluntarily and knowingly waive any right they have to a jury trial.

NO CLASS ACTIONS. To the fullest extent allowed by applicable law, you agree that any and all disputes, claims and causes of action you may take against Credit Builder Card and its bank partners in relation with or pertaining to the Services will be settled individually, without resort to any form of class action.

You and Credit Builder Card acknowledge that any disagreement or claim between You and Credit Builder Card, or between You and any of the officers, employees, agents, or affiliated companies of Credit Builder Card, deriving out of or pertaining to the Terms and Conditions Agreement, any of the transactions contemplated under these Terms and Conditions, any of the Services provided pursuant to these Terms and Conditions, any of the discussions or negotiations leading up to the creation of the Terms and Conditions Agreement, or any accord that is the byproduct from any of the preceding, whether established in contract, or an purported breach, or on any other legal theory, and whether affirmed as an original or amended claim, counterclaim, cross claim, or otherwise, shall be ruled by federal law and all relevant substantive laws of the State of Colorado (without regard to its conflict of laws principles).  Governing Colorado law may be supplemented as necessary by federal law.  You consent that if there is any deviation between the terms of the Terms and Conditions Agreement and any relevant law, the terms of the Terms and Conditions Agreement will prevail to the limit any such law, regulation or rule may be modified by agreement.

To the highest degree allowed by pertinent law, no action, regardless of design, deriving out of the Terms and Conditions Agreement may be delivered by either party after two (2) years from when the claiming party was aware or should have been aware of the cause of action.  
You agree that no joint venture, partnership, employment, or agency relationship is established between you and Credit Builder Card as a part of the Terms and Conditions Agreement or utilizing the Services. Credit Builder Card's conduct under the Terms and Conditions Agreement is accountable to current laws and legal method, and nothing enclosed in the Terms and Conditions Agreement is in derogation of Credit Builder Card's right to abide with governmental, court and law enforcement inquiry or condition pertaining to your utilization of the Services or information given to or accumulated by Credit Builder Card with regards to such utilization.


The term of the Terms and Conditions Agreement will persist until canceled by you or Credit Builder Card as described below.  

We may terminate your ability to access our Service immediately if you do not to follow and abide to the Terms and Conditions Agreement. In addition, Credit Builder Card maintains the capacity to terminate your utilization of our Services at any time, in our complete discretion, without cause.    

Entire Agreement 

Our Terms and Conditions Agreement acts as the entire relationship between you and Credit Builder Card governing the Services. In the occurrence of any disagreement between these Terms and Conditions and the clauses of a third-party agreement, the terms of the Terms and Conditions Agreement will prevail as regarding you and Credit Builder Card.


Should you have any inquiry or question with our Terms and Conditions Agreement, please correspond with us by email and email us at support@creditbuildercard.com.



**These Terms & Conditions were copied directly from Credit Builder Card Site on April 21st 2019 @ 1:17am CST

Last Edited: March 29, 2017


MON - FRI: 10am - 5pm 

Appointments are required

No walk-ins


350 S Northwest Hwy Suite 300 

Park Ridge, IL 60068

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