Last updated: 2026-05-23

Terms of service

These terms apply to your use of DIY Credit (the marketing site at diycredit.ai, the Inner Circle community, the Classroom, and any related products and content). The IdentityIQ-powered credit dashboard is governed separately by IdentityIQ's own terms.

Who we are

DIY Credit is operated by DACS Ventures LLC. Contact: hello@diycredit.ai.

Eligibility

You must be at least 18 years old to use DIY Credit and reside in the United States. By using the Inner Circle you confirm you have an active IdentityIQ subscription signed up through DIYCredit.

Acceptable use

• No self-promotion or selling of products/services on the feed.
• No selling, soliciting, or pitching in direct messages.
• No spamming the community.
• No sharing of personal financial data (SSN, account numbers).
• No illegal credit advice (CPNs, synthetic identity, file segregation).
• Respect other members' privacy.

Admins reserve the right to remove content, restrict accounts, and use AI-assisted tools to support moderation and engagement.

Disclaimers

DIY Credit is not a law firm and does not provide legal advice. The Fair Credit Reporting Act (FCRA §611) gives every consumer the right to dispute inaccurate information. Results vary by individual situation, financial profile, and consistency. We make no guarantees of outcome.

Subscription, billing, and cancellation

Your subscription is billed by IdentityIQ and managed at member.diycredit.ai. You can cancel from inside that dashboard at any time. See our refund policy for additional details.

Termination

We may terminate or suspend your community access without notice for violations of these terms, billing chargebacks, or attempts to harm the community or other members.

Governing law

These terms are governed by the laws of the State of Florida, USA. Disputes will be resolved in the courts of that jurisdiction.

This document is a plain-language summary. For the binding text, contact hello@diycredit.ai.