Terms of Use

Last updated: October 25, 2026

Agreement

By using this site or buying a product, you agree to these terms. If you don't agree, please don't use the site.

Educational content only

Everything on this site and in our products is for education. It is not legal, financial, tax, credit-repair or investment advice. Nigel Peace is not a law firm, attorney, credit repair organization or financial advisor. Talk to a licensed professional about your situation.

No guarantees

Results vary. Any examples or personal stories are not typical and are not a promise of income, credit score changes, funding approval or any other outcome. Your results depend on your effort, situation and many factors outside our control.

Credit information

You have the right to dispute inaccurate information on your credit report directly with the credit bureaus for free. Our products are an optional, organized guide.

Digital products

Products are digital downloads delivered through Gumroad. Refunds: [REFUND POLICY, e.g. none on digital goods / within X days].

License

When you buy a product, you get a personal, non-transferable license to use it. Don't resell, share or republish it.

Community rules

Our free community is a privilege, not a right. Be respectful, no spam, no selling to members without permission, and no harassment. We may remove posts or members who break these rules.

Your conduct

Don't misuse the site, try to break it, or use it for anything unlawful.

Third-party links

We link to other services (like Gumroad and our community platform). We are not responsible for their content or policies.

Limitation of liability

To the extent the law allows, we are not liable for indirect or consequential losses from using the site or products, and our total liability is limited to what you paid us.

Governing law

These terms are governed by the laws of [STATE], USA.

Contact

[CONTACT EMAIL]