Terms of Service

These Terms of Service (the “Terms”) are a binding agreement between you and Learning Machines LLC d/b/a “Tradelines.AI” (“we,” “us,” “our”). They govern your use of the tradelines.ai website (the “Site”) and the services offered through it.

You accept these Terms by checking the acceptance box presented at account creation or checkout. We record your acceptance, including the date, time, and Terms version. If you do not accept, do not use the Site.

Your purchase of an authorized-user tradeline is separately governed by a Consumer Agreement that you sign before any payment authorization. If these Terms conflict with the Consumer Agreement, the Consumer Agreement controls for the purchase it covers.

To use the Site and purchase services you must: (a) be at least 18 years of age; (b) be a legal resident of the United States residing outside the states where we do not offer service — currently Georgia, Colorado, California, and New York; the current list is published at tradelines.ai/availability; (c) have legal capacity to contract; and (d) provide only your own true, current, and accurate information. We may refuse service to any person where permitted by law.

We provide a service that adds you as an authorized user on a seasoned credit card held by a third-party cardholder, so that the account’s payment history may report to your credit file.

We do not: promise or guarantee any change in any credit score; extend credit, issue cards, or lend money; sell credit identities or assist in creating new credit profiles (no “CPNs,” no file segregation, no substitute Social Security numbers); dispute or remove information on your credit report; or provide legal, financial, or credit-counseling advice. Site content is general information only.

You agree not to: use the Site unlawfully; provide false or stolen identity information; submit identification documents that are not yours or are altered; interfere with the Site’s operation, attempt unauthorized access, or probe for vulnerabilities; scrape the Site or use its content to train any third-party AI system; use the Site to facilitate fraud, including synthetic-identity creation; or resell our services.

If you violate this Section, we may suspend your access and cancel pending orders. On any such cancellation, your payment authorization is released or your payment refunded, less only amounts attributable to services already fully performed under your Consumer Agreement. Suspected identity fraud may be referred to law enforcement.

You are responsible for the confidentiality of your account credentials and for activity under your account. Notify us immediately at security@tradelines.ai of suspected unauthorized access.

Payment, cancellation, and refund terms for each purchase are stated in your Consumer Agreement, including: wire transfer of the full Total Cost required within two (2) business days of signing; the 45-day posting guarantee with replacement-first remedies; and refund initiation by wire transfer or company check within 10 business days of a valid refund election. Prices are in U.S. dollars.

The Site, its content, and its software are owned by Learning Machines LLC or its licensors. You may use the Site for personal, non-commercial purposes only. “Tradelines.AI” and “Learning Machines” are our marks; other marks belong to their owners.

Our Privacy Policy describes what we collect, how we protect it, with whom we share it, and your rights. It is incorporated into these Terms by reference.

We may modify, suspend, or discontinue parts of the Site at any time. We will provide reasonable notice of material changes affecting your active orders, and active orders remain governed by the Consumer Agreement in effect when signed.

The Site integrates third-party services (electronic signature, credit bureaus, issuing banks, and banking institutions). We are not responsible for third parties’ content, policies, or practices; your use of them is governed by their terms.

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that your credit score will change by any amount or at all, that a tradeline will post outside the windows stated in your Consumer Agreement, or that the Site will be uninterrupted or error-free.

Nothing in these Terms disclaims or waives any warranty, right, or protection that cannot be disclaimed or waived under applicable law, including your rights under the Texas Credit Services Organization Act, Tex. Fin. Code Ch. 393.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES IS LIMITED TO THE TOTAL AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, AND YOUR PRIMARY REMEDY IS A REFUND OF AMOUNTS PAID. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

This Section does not limit: (a) statutory damages, penalties, or attorney’s-fee awards available under the Texas Credit Services Organization Act or any other non-waivable statute; (b) liability for fraud or willful misconduct; or (c) any liability that cannot be limited under applicable law.

You agree to indemnify Learning Machines LLC and its officers, employees, and agents against third-party claims, losses, and reasonable attorney’s fees arising out of your fraud or intentional misrepresentation, including providing false or stolen identity information or submitting altered identification documents. This Section does not apply to claims arising from our own acts or omissions.

We may suspend or terminate Site access for violation of these Terms. Sections 6, 7, and 10–15, and any accrued payment or refund rights, survive termination. Termination of Site access does not terminate an active Consumer Agreement except as that agreement provides.

This Section affects your legal rights. You may opt out as described below.

Except as stated here, any dispute arising out of or relating to these Terms or the services shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. We pay all AAA filing, administration, and arbitrator fees for any individual claim you bring in good faith. All claims must be brought individually; the arbitrator may not preside over any class, collective, or representative proceeding. Either party may instead bring an individual claim in small-claims court in El Paso County, Texas, or the county of your residence. If twenty-five or more similar demands are filed by the same or coordinated counsel, demands will be resolved in staged batches of up to fifty, with fees assessed per batch and unbatched demands tolled.

Opt-out: you may opt out of this Section entirely by written notice to legal@tradelines.ai or to our mailing address (Attn: Arbitration Opt-Out) within 30 days of first accepting these Terms. Opting out does not affect any other provision.

Nothing in this Section waives any non-waivable right under the Texas Credit Services Organization Act; those statutory claims and remedies may be pursued in the arbitral forum (or in court, if you opt out). If the class waiver is held unenforceable as to a claim, that claim shall proceed in court under Section 15.

These Terms are governed by Texas law and applicable federal law, without regard to conflict-of-laws rules. Claims not subject to arbitration shall be brought exclusively in the state or federal courts located in El Paso County, Texas. Statutory limitations periods apply to all claims; these Terms do not shorten any limitations period.

We may update these Terms. Material changes will be communicated by email at least 30 days before taking effect, or by prominent Site posting if you have not provided an email address. Continued use after the effective date constitutes acceptance of the updated Terms; active orders remain governed by the Consumer Agreement signed for them.

Entire agreement: these Terms, the Privacy Policy, and (for purchases) your Consumer Agreement are the entire agreement regarding the Site and services. Severability: unenforceable provisions are severed; the remainder continues, subject to Section 14’s class-waiver rule. No waiver: non-enforcement is not waiver. Assignment: you may not assign these Terms; we may assign only in a sale, merger, or change of control, to a successor assuming all obligations. Force majeure: we are not liable for failures caused by events beyond our reasonable control.

Support: support@tradelines.ai · Legal notices: legal@tradelines.ai · Security: security@tradelines.ai
Mail: Learning Machines LLC, 2267 Trawood Dr, Suite A-2, El Paso, TX 79935