Middle Credit Score®

Terms of use

MCS Terms of Use
Last Updated: October 2025

TERMS OF SERVICE

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “user,” or “visitor”) and Middle Credit Score® LLC, an Arizona limited liability company (“Middle Credit Score,” “we,” “us,” or “our”), regarding your access to and use of the website https://MiddleCreditScore.com as well as any related pages, materials, tools, educational resources, or digital functionality (collectively, the “Site”). Middle Credit Score® is part of the Browse Lenders® ecosystem and operates strictly as an informational and educational resource.

By accessing or using the Site, you affirm that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you must discontinue use of the Site immediately.

1. ABOUT MIDDLE CREDIT SCORE®

Middle Credit Score® LLC is not a lender, broker, bank, loan originator, loan servicer, or credit repair organization. We do not provide legal, tax, or financial advice. We do not process applications for credit, loans, or debt products. We do not negotiate with credit bureaus or creditors on behalf of any user.

This Site provides general educational information only, intended to help consumers understand the concept of a “middle credit score” and related financial literacy topics. All content is provided for informational purposes only and should not be relied upon for financial decision-making.

2. NO CREDIT REPAIR OR FINANCIAL ADVICE

You acknowledge and agree that:

  • Middle Credit Score® is not a “credit repair organization” as defined under federal or state law.

  • We do not offer, sell, or provide credit repair services or advice.

  • We do not evaluate or analyze individual credit reports.

  • We do not draft or submit disputes to credit bureaus.

  • Nothing on the Site constitutes legal, financial, or professional advice.

Any actions you take after reading information on this Site are done solely at your own discretion and risk.

3. NO LOAN APPLICATION OR PREQUALIFICATION DATA

Middle Credit Score® does not collect financial or credit application data. Any contact forms are limited strictly to basic contact information only. No information submitted through this Site is treated as:

  • A loan application,

  • A mortgage or credit inquiry,

  • A prequalification request, or

  • A request for financial services of any kind.

4. INTELLECTUAL PROPERTY

The Site, its design, proprietary content, language, branding, and related intellectual property are owned by Middle Credit Score® LLC or licensed for use within the Browse Lenders® ecosystem. The Middle Credit Score® trademark and related proprietary concepts are protected under U.S. trademark and intellectual property law. Certain underlying patented methods and processes are shared with Browse Lenders® under patent rights held by the ecosystem.

You are granted a limited, revocable, non-transferable license to access and view the Site for personal use only.

5. NO WARRANTY / “AS-IS” INFORMATION ONLY

The Site is provided strictly “AS IS” and “AS AVAILABLE.”
We make no warranties of any kind regarding:

  • Accuracy

  • Completeness

  • Timeliness

  • Suitability

  • Expected outcomes

  • Financial results

You agree not to rely on any content as a basis for financial, legal, or credit-related decisions.

6. LIMITATION OF LIABILITY

To the fullest extent permitted by law:

  • Middle Credit Score® LLC, its owners, affiliates, officers, agents, and contractors shall not be liable for any direct or indirect damages arising from your use of (or inability to use) the Site.

  • You expressly waive any claim of reliance or expectation of outcome.

  • Your sole and exclusive remedy is to discontinue use of the Site.

7. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Middle Credit Score® LLC and its owners, affiliates, directors, contractors, and agents from any claim or dispute arising out of your use of the Site, your reliance on any information provided, or your violation of these Terms.

8. GOVERNING LAW & ARBITRATION

These Terms are governed by the laws of the State of Arizona.

All disputes, claims, or controversies must be resolved exclusively through binding arbitration, administered in Maricopa County, Arizona. Users waive any right to:

  • File a lawsuit in court,

  • Participate in a class action,

  • Seek a jury trial.

Arbitration shall be the sole and exclusive forum for any dispute.

9. MODIFICATIONS

We reserve the right to update or modify these Terms at any time without notice. Continued use of the Site constitutes acceptance of any revised Terms.

10. CONTACT INFORMATION

Middle Credit Score® LLC
2487 S. Gilbert Rd.
Suite 236
Gilbert, AZ 85295
United States
Email: info@MiddleCreditScore.com