Credit monitoring service · Crediva LLC · United States
Effective date: May 28, 2026. These Terms of Service ("Terms") govern your access to and use of the Cima credit monitoring service ("Cima" or the "Service") operated by Crediva LLC ("Crediva", "we", "our", or "us"), a Wyoming limited liability company. By subscribing to or using Cima, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
Cima is a credit monitoring software service that, with your written authorization, pulls your tri-bureau consumer reports (Equifax, Experian, TransUnion) from Array US, Inc. and presents them in your Cima dashboard with score insights, alerts on changes, and identity-protection features.
Cima is not a credit repair organization. We do not draft or send dispute letters to credit bureaus or furnishers; we do not negotiate debts on your behalf; we do not represent you in disputes with creditors. Those services are offered by separate organizations — including our affiliate Club de Crédito (operated by Print Hub LLC) — under separate agreements that you may, but are not required to, sign.
To use Cima you must:
You may only have one Cima account per person. We may suspend or terminate accounts that violate these requirements.
When you subscribe, you provide written instructions under Section 604(a)(2) of the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. §1681b(a)(2), authorizing Crediva LLC and its credit data partner Array US, Inc. to obtain your consumer reports from Equifax, Experian, and TransUnion on a recurring basis for the duration of your subscription. Your electronic acceptance of these Terms, recorded with timestamp, IP address, and the exact text of the consent presented, constitutes a "written instruction" under the federal Electronic Signatures in Global and National Commerce Act ("E-SIGN Act"), 15 U.S.C. §§7001 et seq., and Wyoming's Uniform Electronic Transactions Act, Wyo. Stat. §§40-21-101 et seq.
Your authorization includes:
Your written instructions specifically authorize:
By submitting your payment method during signup, you provide express informed consent under the Restore Online Shoppers' Confidence Act ("ROSCA"), 15 U.S.C. §§8401–8405, and Section 5 of the FTC Act, 15 U.S.C. §45, to the following billing terms. Before you submit your payment method, the following material terms are disclosed on the same screen, adjacent to the order button, in clear and conspicuous form: (a) the amount of the initial trial charge; (b) the date or event that triggers the first full-price recurring charge; (c) the recurring monthly subscription amount; (d) the billing cadence; (e) that the subscription continues until you cancel; and (f) how to cancel.
Your account starts with a $1 trial charge applied when you submit your payment method. The $1 charge serves two functions: (i) it confirms that your payment instrument is valid, and (ii) it grants you immediate access to the initial tri-bureau credit report pull through Array's KBA process. The $1 trial is non-refundable and the trial period ends upon successful delivery of your initial credit report (typically within minutes of KBA verification), or seven (7) days after signup, whichever occurs first.
Upon expiration of the $1 trial, your account converts to the recurring monthly subscription at the price disclosed to you at signup (the "Subscription Fee"). We may send a courtesy reminder email before the first Subscription Fee charge, but you should not rely on receiving such a reminder; your billing schedule is stated at signup and visible in your Cima dashboard at all times. The Subscription Fee will be charged automatically to the payment method on file on the same day of each subsequent month until you cancel.
You may cancel at any time, with no fee and no penalty, using any of the following methods, which we will honor with equal effect: (a) one-click cancel button in your Cima dashboard under Account → Subscription; (b) email to support@cima.credit; (c) reply to any subscription billing email; (d) toll-free phone if listed at the time. Cancellation is effective immediately upon receipt; you will retain access through the end of the current paid billing period. We will not require you to interact with a retention agent or complete any additional step beyond the one you used to initiate cancellation. We do not provide prorated refunds for unused portions of a paid billing period except as required by applicable consumer protection law.
Refund requests for Subscription Fees (not the $1 trial) must be submitted within fourteen (14) days of the disputed charge and will be evaluated on a case-by-case basis. Identity-protection scans, monitoring services, or reports already delivered to you are not refundable. Notwithstanding the above, where applicable state consumer protection law grants you a right to a refund, that law controls.
If a payment fails, we will retry the charge once and notify you by email. Your access to the Service may be suspended if payment is not resolved within seven (7) days.
We will notify you by email at least thirty (30) days in advance of any increase to your Subscription Fee. Continued use after the effective date of the change constitutes acceptance; otherwise, you may cancel before the change takes effect with no penalty.
Cima provides:
Cima does not provide:
Cima provides credit monitoring and educational tools. We do not guarantee any specific credit-score improvement, account deletion, or financial outcome. Changes in your credit profile depend on your own payment behavior, the accuracy of the underlying data, the cooperation of creditors and credit reporting agencies, and many other factors outside our control.
Cima's identity-protection features (dark-web monitoring, SSN monitoring, address monitoring, data-broker removal) are provided on a best-effort basis. We do not guarantee that all instances of identity theft, data breaches, or fraudulent use of your personal information will be detected or prevented. You remain responsible for monitoring your own accounts and reporting fraud to law enforcement and the affected institutions when it occurs.
You agree not to:
We reserve the right to suspend or terminate any account that violates these terms.
Cima uses artificial-intelligence tools to summarize your credit profile, classify alerts, and generate educational insights. AI features are provided "as is" and may contain inaccuracies or limitations. AI-generated content is informational, not legal or financial advice. You should not act on AI-generated insights without independently verifying them.
As described in our Privacy Policy, your data is not used to train any AI model and AI-processed outputs are deleted within thirty (30) days unless you request continued storage.
Crediva LLC is under common ownership with Print Hub LLC, which operates the brand "Club de Crédito" as a credit services organization. Crediva and Print Hub are separate legal entities with separate contracts, separate billing, and separate consumer relationships. Subscribing to Cima creates no obligation to engage Club de Crédito, and Cima may be used as a standalone credit monitoring service.
Notwithstanding our common ownership, Crediva does not share consumer reports, credit scores, alerts, or any other personal information about you with Print Hub or Club de Crédito by default. We do not use your information to market Club de Crédito's services to you, and we do not allow Club de Crédito to use your information to market to you.
If you separately engage Club de Crédito for credit-repair services, Club de Crédito will request its own permissible-purpose authorization from you and obtain its own consumer reports independently, or — at your election and with a separate, contemporaneous, written authorization specifically identifying the records to be shared — Crediva may transmit identified records to Club de Crédito to support your credit-repair engagement. Such authorization is revocable at any time.
This Section 10 is designed to exceed the disclosure and opt-out obligations of FCRA Sections 603(d)(2)(A)(iii) and 624 and the FTC Affiliate Marketing Rule, 16 CFR Part 680, by requiring affirmative consent instead of an opt-out. To the extent any portion of those rules nonetheless applies to a future communication between Crediva and Print Hub, you may opt out of all affiliate marketing and affiliate information-sharing communications by emailing privacy@cima.credit at any time, and the opt-out shall remain in effect indefinitely.
Neither Crediva nor Print Hub is the agent of the other for purposes of FCRA accuracy obligations, dispute handling, or consumer remedies. Disputes about Cima monitoring data must be raised with Crediva; disputes about Club de Crédito's credit-repair services must be raised with Print Hub d/b/a Club de Crédito under their separate terms.
The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express or implied, including without limitation implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted, timely, error-free, or that the data displayed is always current or complete.
To the fullest extent permitted by law, Crediva LLC, its affiliates, officers, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service. Our total cumulative liability for any claim is limited to the fees you paid to us in the twelve (12) months preceding the claim. Nothing in this section limits liability for fraud, willful misconduct, or any liability that cannot be limited under applicable law.
You agree to indemnify and hold harmless Crediva LLC, its affiliates, officers, members, employees, and agents from any third-party claim, demand, or liability arising from (a) your violation of these Terms, (b) your violation of any law, or (c) your misuse of the Service.
This Section 14 is governed by and shall be interpreted under the Federal Arbitration Act, 9 U.S.C. §§1 et seq. ("FAA"), to the maximum extent permitted by law. The parties acknowledge that the transactions evidenced by these Terms involve interstate commerce.
Before initiating arbitration, you must send a written notice of dispute to legal@cima.credit and to our registered agent at the Wyoming address in Section 19, describing the nature of the claim and the relief sought. The parties shall attempt in good faith to resolve the dispute informally for sixty (60) days after receipt of the notice. Filing fees and arbitration timelines do not begin until that period expires.
If the dispute is not resolved during the 60-day informal period, any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Service, or any aspect of your relationship with Crediva LLC, including the validity, enforceability, or scope of this arbitration agreement (subject to Section 14.5), shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (available at adr.org). The arbitration shall be conducted by a single neutral arbitrator. The seat of arbitration is Natrona County, Wyoming, but hearings may take place by video at the consumer's election. Arbitration fees shall be allocated as provided in AAA Consumer Rules R-44.
You and Crediva LLC each waive any right to participate in a class action, collective action, or representative proceeding in court or in arbitration. Claims may be brought only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one party's claims and may not preside over any form of class proceeding.
Except as stated in this Section 14.5, the arbitrator — not any court — has exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement. However, the enforceability of the class, collective, and representative action waiver in Section 14.4 shall be decided only by a court of competent jurisdiction and not by an arbitrator. If a court finds that the waiver in Section 14.4 is unenforceable as to any particular claim, that claim (and only that claim) shall be severed from arbitration and brought in court; the remainder shall proceed in individual arbitration.
You may opt out of this arbitration agreement, including the class waiver in Section 14.4, by sending written notice with your full name, account email, and clear statement that you intend to opt out, to legal@cima.credit within thirty (30) days of first agreeing to these Terms. Opting out will not affect any other portion of these Terms or your subscription. If you previously opted out under an earlier version of these Terms, that opt-out remains effective.
Notwithstanding Section 14.3, either party may bring (i) an individual action in small claims court in a court of competent jurisdiction for any claim within the small claims jurisdictional limit; or (ii) an action seeking only injunctive relief to prevent unauthorized use of the Service or violation of intellectual-property rights.
If any portion of this Section 14 is held invalid or unenforceable, the remainder shall continue in full force, except that if Section 14.4 (class waiver) is held invalid in its entirety, then the entire Section 14 is null and disputes shall be resolved in the courts identified in Section 15.
These Terms, your use of the Service, and any dispute arising under or relating to them are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules. The internal affairs of Crediva LLC are governed by the Wyoming Limited Liability Company Act, Wyo. Stat. §§17-29-101 et seq., including §17-29-106. Electronic signatures and records are governed by the Wyoming Uniform Electronic Transactions Act, Wyo. Stat. §§40-21-101 et seq., and the federal E-SIGN Act, 15 U.S.C. §§7001 et seq.
Where applicable federal law (including the FCRA, FDCPA, GLBA, ECOA, EFTA, TILA, and TCPA) or the consumer-protection law of your state of residence (including the Wyoming Consumer Protection Act, Wyo. Stat. §§40-12-101 et seq., to the extent it applies) grants you rights that cannot be waived by contract, those rights are preserved. Nothing in these Terms purports to waive non-waivable consumer rights.
Cima is a service, not a sale of goods. Article 2 of the Uniform Commercial Code does not apply.
Subject to Section 14 (arbitration), the exclusive forum for any action not subject to arbitration is the state and federal courts located in Natrona County, Wyoming. The parties consent to personal jurisdiction in those courts and waive any objection based on forum non conveniens.
We may update these Terms from time to time. Material changes will be posted on this page with an updated effective date and notified to active subscribers by email or in-app notification at least thirty (30) days before they take effect, unless a shorter period is required by law. Your continued use of the Service after the effective date of a material change constitutes acceptance of the updated Terms.
You may terminate your subscription at any time per Section 4.4. We may suspend or terminate your account for violation of these Terms, suspected fraud, non-payment, or material breach. Termination does not relieve either party of obligations accrued before termination.
If any provision of these Terms is held unenforceable, the remainder will remain in full force. These Terms, together with our Privacy Policy and any specific subscription documents you sign, constitute the entire agreement between you and Crediva LLC.
Crediva LLC
A Wyoming limited liability company.
5830 E 2nd St, Ste 7000 #36122, Casper, Wyoming 82609, USA
Email: legal@cima.credit
Support: support@cima.credit
Cima es un servicio de monitoreo de crédito operado por Crediva LLC (Wyoming). Cima NO es una agencia de reparación de crédito. Solo monitorea tus reportes de Equifax, Experian y TransUnion y te avisa cuando cambian. Para reparar crédito necesitas un servicio aparte (puede ser nuestra afiliada Club de Crédito, o cualquier otra agencia que elijas).
Cómo funciona el cobro: Empiezas con $1 de prueba (no reembolsable). Después, mes a mes, te cobramos la mensualidad que aceptaste al registrarte. Podemos enviarte un correo cortés antes del primer cobro recurrente, pero no debes depender de él — el calendario está visible en tu dashboard. Puedes cancelar cuando quieras desde tu dashboard, escribiéndonos a support@cima.credit, o respondiendo cualquier email de facturación. Los reembolsos de mensualidades se evalúan dentro de los 14 días siguientes al cargo disputado. Te avisamos con 30 días de anticipación si subimos el precio.
Garantías: NO garantizamos resultados específicos en tu score ni eliminación de cuentas — somos monitoreo, no reparación.
Disputas: Cualquier reclamo se resuelve por arbitraje individual bajo reglas de la AAA en Wyoming, después de un período informal de 60 días para resolver amistosamente. Renunciamos a acciones de clase (un tribunal — no el árbitro — decide la validez de esa renuncia). Puedes optar por no aceptar el arbitraje dentro de los 30 días posteriores a tu registro escribiendo a legal@cima.credit.
Important notice / Aviso importante. These Terms of Service have been prepared based on publicly available regulatory guidance and current best practices. They are not a substitute for individualized legal advice. If you have a question about how these Terms apply to your specific situation under federal or state law, please consult an attorney licensed in your jurisdiction.
Estos Términos de Servicio fueron preparados con base en guía regulatoria pública y mejores prácticas actuales. No sustituyen asesoría legal individual. Si tienes una pregunta sobre cómo estos Términos aplican a tu situación específica bajo ley federal o estatal, consulta a un abogado con licencia en tu jurisdicción.