Terms & Conditions

Legal

Terms & Conditions

Last updated: January 2026

These Terms and Conditions ("Terms") govern your use of the services provided by Credit Friendly Fund ("we," "us," or "our"). By engaging our services or accessing our website, you agree to be bound by these Terms.

1. Services Provided

Credit Friendly Fund offers loan facilitation, insurance brokerage, investment advisory, wealth management, credit repair, tax planning, and related financial services. Specific service terms, fees, and minimums are disclosed in separate service agreements.

2. Fiduciary Duty

Our investment advisors act as fiduciaries under the Investment Advisers Act of 1940. Insurance and loan professionals may operate under different standards appropriate to their licensure. All advisors are required to disclose any conflicts of interest in writing.

3. Eligibility

You must be at least 18 years old, a U.S. resident, and legally capable of entering into binding contracts to use our services. Certain services have additional eligibility requirements including credit score, income, and asset minimums.

4. Fees and Billing

• Investment management fees are charged quarterly in advance, based on assets under management
• Insurance commissions are paid by carriers — no additional cost to you
• Loan origination fees vary by product and are disclosed in writing before commitment
• Wealth Management retainer fees are billed monthly
• Credit repair and tax planning are flat-fee services

5. Investment Risk Disclosure

All investments involve risk, including possible loss of principal. Past performance does not guarantee future results. We do not provide tax or legal advice; consult your CPA or attorney for specific guidance. Investment decisions are ultimately yours — we provide recommendations, you provide authorization.

6. Loan Disclosure

Loan approvals are subject to credit verification, income documentation, and property appraisal. Advertised rates reflect best-case scenarios for qualified borrowers. Your actual rate, term, and APR may differ based on your credit profile, loan-to-value ratio, and debt-to-income ratio.

7. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials, for all activities under your account, and for promptly reporting any unauthorized access. You agree to provide accurate and complete information at all times.

8. Limitation of Liability

To the maximum extent permitted by law, Credit Friendly Fund shall not be liable for indirect, incidental, special, or consequential damages, including loss of profits, investment losses beyond our control, or business interruption. Our total liability is limited to the fees paid by you in the preceding 12 months.

9. Termination

Either party may terminate services with 30 days written notice. Investment accounts will be transferred to a custodian of your choice. Insurance policies remain in force according to their own terms. Pre-paid fees for unrendered services will be refunded pro-rata.

10. Governing Law

These Terms are governed by the laws of the State of New Mexico, United States of America, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration administered by the American Arbitration Association in Clovis, New Mexico.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email at least 30 days before taking effect. Continued use of our services after the effective date constitutes acceptance of the updated Terms.

12. Contact

For questions about these Terms, contact us at info@creditfriendlyfund.info or call (575) 218-3015.