TERMS OF SERVICE

Effective Date: February 17, 2026

Last Updated: February 17, 2026

​

1. ACCEPTANCE OF TERMS

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Quick Credit Academy ("Company," "we," "us," or "our"), governing your access to and use of the website located at https://www.quickcreditacademy.com/ (the "Website") and all related services, content, tools, and features (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of our Services.

​

2. DESCRIPTION OF SERVICES

Quick Credit Academy provides educational services designed to help busy adults fast-track their college education by preparing them to test out of college courses through CLEP (College-Level Examination Program) and DSST (DANTES Subject Standardized Tests) examinations. Our Services include:

• Comprehensive CLEP and DSST Test Preparation: Study materials, practice questions, and exam strategies

• Self-Paced Study Portal: Online access to course content, instructional videos, practice exams, mock examinations, eBooks, and supplemental learning materials

• Live Online Group Classes: Interactive teacher-led sessions conducted in a virtual classroom environment

• One-on-One Private Tutoring: Personalized online tutoring sessions with experienced instructors

• Education Planning and Advising: Customized degree completion roadmaps and guidance from Education Advisors

​

Our Services are recognized by over 2,900 colleges and universities nationwide that accept CLEP and DSST exam credits for course equivalencies.

​

3. ELIGIBILITY

You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are accessing the Services on behalf of a minor, you represent that you are the parent or legal guardian and accept full responsibility for the minor's use of the Services.

​

4. USER ACCOUNTS AND REGISTRATION

4.1 Account Creation

To access certain features of our Services, you must create an account by providing accurate, current, and complete information as requested in our registration form. You agree to:

• Provide truthful and accurate registration information

• Maintain and promptly update your account information to keep it accurate and complete

• Maintain the security and confidentiality of your login credentials

• Immediately notify us of any unauthorized use of your account

• Accept responsibility for all activities that occur under your account

• ​

4.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Quick Credit Academy cannot and will not be liable for any loss or damage arising from your failure to maintain account security.

​

4.3 Account Termination

We reserve the right to suspend or terminate your account at our sole discretion, without notice or liability, for any reason, including but not limited to breach of these Terms.

​

5. PAYMENT TERMS AND FEES

5.1 Pricing and Payment

Fees for our Services are stated on the Website and are subject to change at any time. You agree to pay all fees associated with your selected Services at the prices in effect at the time of purchase. Payment is due at the time of purchase unless otherwise specified.

Accepted payment methods include major credit cards, debit cards, and other payment methods as displayed during checkout. All payments are processed through secure third-party payment processors.

​

5.2 Subscription Services

Certain Services may be offered on a subscription basis with recurring billing. By enrolling in a subscription:

• You authorize us to charge your payment method on a recurring basis according to the subscription terms

• Subscriptions automatically renew unless cancelled prior to the renewal date

• You may cancel your subscription at any time through your account settings or by contacting our Quick Credit Academy Team

• Cancellation will be effective at the end of the current billing period

• No refunds will be provided for partial subscription periods unless required by law

• ​

5.3 Refund Policy

Refund eligibility and terms vary by service type:

• Digital Content and Course Access: Generally non-refundable once access has been granted, except as required by applicable law

• Live Classes: Refund requests must be submitted at least 48 hours before the scheduled class start time

• Private Tutoring Sessions: Refund or rescheduling requests must be submitted at least 24 hours before the scheduled session

• Specific refund terms are provided at the time of purchase and may vary by product

​

All refund requests must be submitted in writing to our Quick Credit Academy Team and will be reviewed on a case-by-case basis. Refunds, if approved, will be processed to the original payment method within 10-15 business days.

​

5.4 Taxes

You are responsible for all applicable taxes associated with your purchase of Services. If we are required to collect sales tax, use tax, value-added tax, or other taxes, such amounts will be added to your total payment.

​

6. INTELLECTUAL PROPERTY RIGHTS

6.1 Ownership

All content, materials, features, and functionality available through the Services, including but not limited to text, graphics, logos, images, videos, audio, course materials, practice exams, mock tests, software, the self-paced study portal, and compilation thereof (collectively, "Content"), are the exclusive property of Quick Credit Academy or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

​

6.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services and Content solely for your personal, non-commercial educational purposes.

​

6.3 Restrictions

You may not:

• Copy, modify, distribute, sell, lease, or sublicense any Content

• Reverse engineer, decompile, or disassemble any software or technology underlying the Services

• Remove, alter, or obscure any copyright, trademark, or other proprietary notices

• Use automated systems (bots, scrapers, crawlers) to access or collect data from the Services

• Frame or mirror any portion of the Services without express written permission

• Share your account access or login credentials with others

• Download or reproduce practice exams, mock tests, or course materials except as expressly permitted for personal study

• Distribute, publish, or commercially exploit any Content obtained through the Services

​

6.4 User-Generated Content

If you submit feedback, suggestions, testimonials, reviews, or other content to us ("User Content"), you grant Quick Credit Academy a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, publish, and distribute such User Content for any purpose, including marketing and promotional purposes.

​

7. USER CONDUCT AND PROHIBITED ACTIVITIES

You agree to use the Services in compliance with all applicable laws and regulations. You further agree NOT to:

• Violate any local, state, national, or international law or regulation

• Engage in any activity that infringes upon the intellectual property rights of others

• Transmit any material that contains viruses, malware, or other harmful code

• Harass, abuse, threaten, or intimidate other users, instructors, or staff

• Impersonate any person or entity or falsely state or misrepresent your affiliation

• Engage in any fraudulent activity or provide false information

• Interfere with or disrupt the integrity or performance of the Services

• Attempt to gain unauthorized access to any portion of the Services or related systems

• Use the Services for any commercial purpose without express written permission

• Share, sell, or distribute course materials, practice exams, or other proprietary content

• Engage in any form of academic dishonesty during testing or examinations administered by third parties

​

Violation of these prohibitions may result in immediate termination of your account and legal action.

​

8. DISCLAIMER REGARDING EXAM SUCCESS AND COLLEGE CREDIT

8.1 No Guarantee of Exam Performance

​

Quick Credit Academy provides educational preparation services designed to help students prepare for CLEP and DSST examinations. However, WE DO NOT GUARANTEE that you will:

• Pass any CLEP or DSST examination

• Achieve any particular score on any examination

• Earn college credit from any institution

• Successfully complete your degree requirements

• Achieve any specific educational or career outcome

Your success depends on numerous factors including your prior knowledge, study habits, time commitment, individual learning abilities, and test-taking skills.

​

8.2 Third-Party Examinations

CLEP and DSST examinations are administered by third-party organizations (College Board and DSST Program, respectively). Quick Credit Academy is not affiliated with, endorsed by, or sponsored by these organizations. We do not control the examination content, format, scoring, or administration.

8.3 College and University Policies

While over 2,900 colleges and universities accept CLEP and DSST credits, each institution maintains its own policies regarding:

• Which examinations are accepted

• Minimum passing scores required for credit

• Maximum number of credits that can be earned through examination

• Specific courses for which credit will be granted

• Residency requirements and degree completion policies

​

YOU ARE SOLELY RESPONSIBLE for verifying that your target institution(s) will accept CLEP/DSST credits and understanding their specific requirements. We recommend consulting with your academic advisor or registrar before enrolling in our Services.

​

8.4 Education Advising Disclaimer

Our Education Advisors provide guidance and recommendations based on general knowledge of college credit by examination programs. This guidance does not constitute official academic advising and should not be relied upon as a substitute for consultation with your institution's academic advisors or registrar. We are not responsible for any decisions you make based on our guidance or recommendations.

​

9. DISCLAIMER OF WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY

• FITNESS FOR A PARTICULAR PURPOSE

• NON-INFRINGEMENT

• TITLE

• ACCURACY OR COMPLETENESS OF CONTENT

• UNINTERRUPTED OR ERROR-FREE SERVICE

• THAT DEFECTS WILL BE CORRECTED

• THAT THE SERVICES ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS

Quick Credit Academy makes no warranty that:

• The Services will meet your requirements or expectations

• The Services will be available at any particular time or location

• Any errors or defects will be corrected

• The results obtained from use of the Services will be accurate or reliable

• The quality of any content, products, services, or information obtained through the Services will meet your expectations

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

​

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL QUICK CREDIT ACADEMY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or use

• Loss of educational opportunities or college credits

• Costs of obtaining substitute services

• Examination fees or retesting costs

• Tuition or educational expenses

• Damage to academic record or degree progress

• Emotional distress or other intangible losses

ARISING OUT OF OR RELATED TO:

• Your use of or inability to use the Services

• Any conduct or content of any third party on the Services

• Unauthorized access to or alteration of your data or content

• Any examination performance or failure to achieve desired results at third-party testing centers or through third-party testing providers

• Any college or university's decision regarding credit acceptance

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT QUICK CREDIT ACADEMY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF QUICK CREDIT ACADEMY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO QUICK CREDIT ACADEMY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.

​

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Quick Credit Academy, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, and representatives from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms

• Your use of the Services

• Your User Content

• Your violation of any third-party rights, including intellectual property rights

• Any fraudulent or illegal activity

• Any claim that your User Content caused damage to a third party

​

12. DISPUTE RESOLUTION AND ARBITRATION

12.1 Informal Dispute Resolution

Before filing any legal claim, you agree to first contact our Quick Credit Academy Team in writing and attempt to resolve the dispute informally. We will attempt to resolve the dispute through good-faith negotiations for a period of sixty (60) days.

​

12.2 Binding Arbitration

If we cannot resolve the dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules.

The arbitration shall be conducted by a single neutral arbitrator and shall take place remotely via video conference or in the county where you reside, at your option. The arbitrator's decision shall be final and binding, and judgment may be entered in any court of competent jurisdiction.

​

12.3 Class Action Waiver

YOU AND QUICK CREDIT ACADEMY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. Unless both you and Quick Credit Academy agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding.

​

12.4 Exceptions

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

​

12.5 Governing Law

These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State in which Quick Credit Academy is registered, without regard to its conflict of law provisions.

​

13. PRIVACY AND DATA PROTECTION

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

​

14. THIRD-PARTY LINKS AND SERVICES

The Services may contain links to third-party websites, applications, or services that are not owned or controlled by Quick Credit Academy. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. You acknowledge and agree that Quick Credit Academy shall not be liable, directly or indirectly, for any damage or loss caused by or in connection with the use of any third-party content, goods, or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

​

15. TECHNICAL REQUIREMENTS AND AVAILABILITY

15.1 System Requirements

To use the Services, you must have:

• A compatible device (computer, tablet, or smartphone)

• Reliable internet connection

• Updated web browser with JavaScript enabled

• Any additional software or plugins as specified for particular Services

You are responsible for obtaining and maintaining all equipment and services needed to access and use the Services.

​

15.2 Service Availability

While we strive to maintain continuous availability, we do not guarantee that the Services will be available at all times or that they will be uninterrupted or error-free. The Services may be subject to:

• Scheduled maintenance and updates

• Unscheduled downtime or technical issues

• Limitations, delays, or other problems inherent in internet usage

• Force majeure events beyond our reasonable control

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time without prior notice or liability.

​

16. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms at any time at our sole discretion. We will provide notice of material changes by:

• Posting the updated Terms on the Website with a revised "Last Updated" date

• Sending notice via email to the address associated with your account (if applicable)

• Displaying a prominent notice on the Website

Your continued use of the Services after any such modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue use of the Services.

We encourage you to review these Terms periodically to stay informed of any updates.

​

17. TERMINATION

17.1 Termination by You

You may terminate your account and discontinue use of the Services at any time by contacting our Quick Credit Academy Team or through your account settings. Upon termination, you will forfeit access to any paid Services for which you have not received a refund in accordance with our Refund Policy.

​

17.2 Termination by Us

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including but not limited to:

• Breach of these Terms

• Fraudulent, abusive, or illegal activity

• Extended periods of inactivity

• Request by law enforcement or government agencies

• Technical or security issues

• Discontinuation of the Services

​

17.3 Effect of Termination

Upon termination of your account:

• Your right to use the Services will immediately cease

• We may delete your account and all associated data

• You remain obligated to pay any outstanding fees

• Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, indemnification, limitations of liability, and dispute resolution

​

18. GENERAL PROVISIONS

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Quick Credit Academy regarding the Services and supersede all prior or contemporaneous communications and proposals.

​

18.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

​

18.3 Waiver

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

​

18.4 Assignment

You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without our prior written consent. We may assign or transfer these Terms or our rights hereunder at any time without restriction. Any attempted assignment in violation of this provision is void.

​

18.5 No Third-Party Beneficiaries

These Terms do not and are not intended to confer any rights or remedies upon any person or entity other than you and Quick Credit Academy.

​

18.6 Force Majeure

Quick Credit Academy shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

​

18.7 Notices

All notices, requests, and other communications under these Terms must be in writing and addressed to: Quick Credit Academy Team
Via email through the contact information provided on our Website

Notices to you may be provided via email to the address associated with your account or by posting notice on the Website.

​

18.8 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

​

18.9 Language

These Terms are executed in English. Any translations provided are for convenience only. In the event of any conflict between the English version and any translation, the English version shall prevail.

​

19. ACCESSIBILITY

Quick Credit Academy is committed to ensuring digital accessibility for all users. If you experience difficulty accessing any portion of our Services, please contact our Quick Credit Academy Team, and we will work to provide the information or service in an accessible format.

​

20. FEEDBACK AND COMPLAINTS

We value your feedback and are committed to addressing your concerns. If you have any questions, comments, or complaints about these Terms or the Services, please contact our Quick Credit Academy Team through the contact information provided on our Website.

​

21. CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms, please contact:

Quick Credit Academy
Website: https://www.quickcreditacademy.com/
Email: Available through Website contact form

BY ACCESSING OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

These Terms of Service were last updated on February 17, 2026.