1. One-Time Analyses
One-time card analyses are charged when purchased. HOF Score does not provide discretionary or courtesy refunds.
2. Monthly Subscriptions
Monthly subscriptions are charged at the start of each billing period. Cancelling stops future renewal but does not reverse the current billing-period charge. Access remains through the end of the paid billing period, subject to applicable law.
3. Rollover Analyses
Unused monthly analyses roll over while subscribed, up to a maximum accumulated balance of 100 analyses. After cancellation, accumulated unused analyses remain available through the end of the already-paid billing period. No additional monthly analyses accumulate after cancellation.
4. Failed Analyses
If HOF Score cannot successfully complete a purchased card analysis because of a technical failure, we will make reasonable efforts to provide the service purchased, including retrying the analysis or providing a replacement analysis at no additional charge when appropriate. If we are ultimately unable to provide the purchased service, HOF Score may provide an appropriate account credit or refund, subject to applicable law.
5. Unauthorized or Duplicate Charges
Report suspected unauthorized or duplicate charges promptly to HOF Score Support. Confirmed duplicate or unauthorized charges will be investigated and corrected as appropriate, subject to applicable law.
6. Legal Rights
Nothing in this policy limits refunds, cancellation rights, chargeback rights, or other remedies that cannot legally be waived or restricted.
7. Legal Identity and Contact
HOF Score is the public-facing brand. Where a legal entity must be identified, the applicable entity is Better Loans LLC, doing business as HOF Score. The brand name HOF Score will be used throughout ordinary customer-facing materials unless legal identification is necessary.
HOF Score Support is the customer-facing contact.