1. Description of Services

850th.com (“850th,” “we,” “us,” or “our”) provides a service that helps users maintain the active status of their credit cards by making small, periodic charges to linked accounts. This service is designed to help prevent credit card accounts from being closed due to inactivity. 850th does not guarantee any improvement in credit scores or credit history, nor does it provide any financial advice.

2. Eligibility Requirements

To use 850th, you must be at least 18 years old and a legal resident of the United States. By using the service, you represent and warrant that you meet these requirements.

3. Account Creation and Termination

To use 850th, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You may terminate your account at any time by contacting us. We reserve the right to terminate or suspend your account at our discretion for any reason, including violation of these Terms of Service.

4. Payment Terms

850th charges a fee for its services, as described on our website. You authorize us to charge your linked credit cards for the fees associated with your use of the service. Fees are non-refundable, as stated in our refund policy.

5. Liability and Disclaimer

850th is not a credit repair service and does not guarantee any improvement in credit scores or credit history. We make no representations or warranties about the accuracy or completeness of the information provided through our service. Your use of 850th is at your own risk. We are not liable for any damages arising from your use of the service.

6. Dispute Resolution

If you have a dispute with 850th, please contact us first to try to resolve the issue informally. If we are unable to resolve the dispute informally, you agree to submit the dispute to binding arbitration.

7. Changes to Terms of Service

We may update these Terms of Service from time to time. We will notify you of any changes by posting the new Terms of Service on our website. Your continued use of the service after the effective date of any changes constitutes your acceptance of the new Terms of Service.