Terms and Conditions for RatCredit

Effective Date: March 10, 2025

Welcome to RatCredit (accessible via https://ratcredit.com). By accessing or using our website, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with these terms, please refrain from using our website.

1. General Terms

These Terms and Conditions (“Terms”) apply to all users of the RatCredit website, including customers, visitors, and those who make purchases or interact with our content. By using this website, you agree to be bound by these Terms, our Privacy Policy, and any other policies referenced within.

2. Use of Website

  • Eligibility: You must be at least 18 years old or have the consent of a parent or guardian to use this website and make purchases.
  • Account Responsibility: You are responsible for maintaining the confidentiality of your account information, including your username and password. You agree to notify us immediately of any unauthorized use of your account.
  • Prohibited Activities: You may not use this website for any unlawful purpose or engage in activities that disrupt the operation of the website, such as hacking, scraping, or transmitting malicious software.

3. Products and Availability

  • Product Information: We make every effort to accurately display product descriptions, prices, and availability. However, we do not guarantee that product descriptions or other content on the website are error-free, complete, or current.
  • Product Availability: All products listed on our website are subject to availability. In the event of an out-of-stock product or a change in pricing, we will notify you as soon as possible and offer suitable alternatives or a refund if necessary.

4. Ordering and Payment

  • Order Process: When you place an order through our website, you are making an offer to purchase the listed products. All orders are subject to acceptance by RatCredit, which will be confirmed with an email acknowledgment.
  • Pricing: Prices are displayed in USD and are subject to change without notice. Taxes, shipping fees, and other charges will be added at checkout.
  • Payment Methods: We accept various payment methods, including major credit and debit cards, as well as financing options where available. By submitting payment details, you confirm that the payment information is accurate and valid.

5. Shipping and Delivery

  • Shipping Methods: We offer various shipping methods, with delivery times and fees calculated at checkout. While we strive to ship orders promptly, delivery times may vary based on your location and external factors.
  • Tracking: Once your order is shipped, you will receive a tracking number to monitor the progress of your delivery. Please allow up to 48 hours for tracking information to become available.
  • Shipping Errors: If there are any issues with your shipment (e.g., delays, lost packages), please contact our customer service team for assistance.

6. Returns and Refunds

  • Return Policy: Please refer to our Refund and Return Policy for detailed information on our return procedures and conditions. We accept returns within 30 days of purchase, provided the product is in original condition and packaging.
  • Refund Process: Once your return is approved, a refund will be issued to the original payment method. Please allow up to 10 business days for processing.

7. Limitation of Liability

  • No Warranty: Our website and products are provided “as is” and “as available.” We do not offer any warranties or representations regarding the performance, reliability, or quality of our products, except as expressly stated in our product descriptions.
  • Limitation of Liability: To the maximum extent permitted by law, RatCredit will not be held liable for any indirect, incidental, or consequential damages arising from the use or inability to use our website or products.

8. Intellectual Property

  • All content, including but not limited to text, images, logos, and trademarks, on RatCredit is the property of RatCredit or its licensors and is protected by copyright and trademark laws. You may not use, reproduce, or distribute any content from our website without prior written permission.

9. Privacy

  • Privacy Policy: Your use of our website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal data. By using this website, you consent to the collection and use of your information as described in the Privacy Policy.

10. Changes to Terms

We reserve the right to update or change these Terms and Conditions at any time without prior notice. Any changes will be effective immediately upon posting on this page. It is your responsibility to review these Terms regularly to stay informed of any updates.

11. Governing Law

These Terms and Conditions are governed by the laws of the state of South Carolina, United States, without regard to its conflict of law principles.

12. Contact Us

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

  • Email: info@ratcredit.com
  • Phone: +1 843-669-5714
  • Address: 4743 Broadway Street, Florence, South Carolina, United States

Thank you for choosing RatCredit! We are committed to providing you with the best service and quality products.