TERMS

Philio + CLG Software

Terms of Service, Refund Policy, and Privacy Policy (All-In-One)

Effective Date: March 31, 2023
Last Updated: January 26, 2026
Support Contact: support@philio.com

These Terms of Service (“Terms”), Refund Policy, and Privacy Policy govern your access to and use of (a) Philio, Inc. websites, services, and digital offerings (“Philio Services”), and (b) CLG Software CRM and related tools, templates, and software services (“CLG Software”). Philio and CLG Software may be referred to as “we,” “us,” or “our.”

By accessing or using our websites, software, or services, or by clicking “I ACCEPT” (or similar), you agree to these policies.

If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity.

1) Who We Are / What We Provide

Philio Services are limited to:

  • Software and SaaS application development
  • Web and application hosting
  • Custom software requirements and automation
  • SEO services
  • Technical consulting related to digital platforms

CLG Software provides a software platform that includes letter-generation tools, templates, and related features for users in the credit industry and for personal use.

We do not provide legal advice, and we do not guarantee outcomes.

2) Eligibility and Account Terms

  • You must be at least 18 years old to use our services.
  • You must provide accurate information during signup (full legal name, address, valid email, and any required details).
  • You are responsible for maintaining the security and confidentiality of your login credentials.
  • You are responsible for all activity that occurs under your account.
  • Unless explicitly approved by us, each person/entity may not maintain more than one account.

3) Payments, Billing, and Access

3.1 Billing Authorization

By subscribing or purchasing, you authorize us (and our payment processors) to charge your payment method for:

  • Subscription fees
  • Applicable taxes (if any)
  • Add-ons, upgrades, or additional services you select

A valid payment method is required for paid plans.

3.2 Subscription Billing Cycle

Subscriptions are billed in advance. Your card may be authorized for verification. Subscription charges occur on the same calendar day as your signup date (when applicable).

3.3 Fee Changes

We may modify pricing or introduce new charges with at least 30 days’ notice, which may be provided by email or by posting updates on our website(s).

3.4 Third-Party Affiliate Payments

Payments made via our third-party non-profit affiliate CCA, Inc. on behalf of a user are considered payments made for the user’s benefit directly to Philio, Inc. and CLG Software for purposes of service access. Once the user logs in, they agree to these Terms.

4) Refund Policy (Important)

4.1 Monthly Plans — No Refunds

Monthly subscription fees are non-refundable.
There are no refunds or credits for partial months, unused time, or periods where you did not use the service while your account remained active.

4.2 Add-Ons, Training, and Phone Support — No Refunds

Fees for one-time products, add-ons (including training), incident support, and phone support are non-refundable once purchased, except in rare cases where we determine the service could not be delivered.

4.3 Annual Plans — Prorated Refunds (If Eligible)

If you cancel an annual plan before its expiration date, we may provide a prorated refund only if eligible, calculated as follows:

  1. We convert your usage to the current monthly rate for your plan and deduct the months used (minimum one month).
  2. We then prorate the remaining unused portion.
  3. A $75 administrative fee is deducted from any annual prorated refund to cover manual review and account adjustments.

Annual plans offer discounted pricing; prorated refunds require manual processing.

4.4 Downloaded “Professional Letters” Minimum Commitment

If you download professional letters included with certain plans (including Business plan), you agree to remain subscribed for at least 2 months. If you cancel earlier after downloading those letters, you agree to pay an additional $20 as compensation for access to those materials. However, this is not enforced anymore.

4.5 Billing Disputes

If you believe your billing is incorrect, you must contact us within 30 days of the charge date for review and possible adjustment.

5) Cancellations, Termination, and Chargebacks

5.1 How to Cancel

You are responsible for properly canceling your subscription. Email or phone requests are not considered cancellation unless we confirm in writing that we performed the cancellation for you due to access issues.

For CLG Software, cancellation is available inside your account dashboard (“My Subscription Plan”) or via:
https://creditlettersgenerator.com/my-plan

Billing continues until cancellation is completed. No refunds are issued for failure to cancel.

5.2 Data Deletion After Cancellation

Your account and content may be deleted 60 days after cancellation/termination. It is your responsibility to request/export needed data during that period. After deletion, data cannot be recovered.

5.3 Chargebacks

If you submit a chargeback instead of canceling properly, you agree that we may:

  • Suspend or terminate your access immediately
  • Charge the full monthly fee due
  • Charge a $25 chargeback fee
  • Pursue collection where legally permitted

5.4 Our Right to Suspend or Terminate

We may suspend or terminate accounts (without refund) if we determine:

  • You violate these Terms
  • You misuse the platform
  • You engage in unlawful activity
  • You threaten the security/integrity of our systems
  • Your payment becomes delinquent

6) Non-Payment and Suspension

If your account becomes delinquent, we may suspend access. Past-due balances may accrue interest of 1.0% per month (or the maximum permitted by law, whichever is less), plus reasonable collection costs where permitted.

We are not obligated to retain customer data beyond 60 days after termination.

7) CLG Software Is Not a Credit Repair Service (Limitations)

CLG Software is not a credit repair company and does not provide credit repair services.
We provide technology tools (including letter generating abilities for various organizations and templates). You are solely responsible for:

  • How you use the software and templates
  • Compliance with federal and state laws
  • Your client communications, disclosures, and business practices
  • Any claims you make about results

We make no guarantees, promises, or timelines about deletions, score increases, removals, or outcomes.

Legal information is not the same as legal advice. If you need legal advice, consult an attorney.

8) Required Consumer Disclosure (Credit Repair Organization Act)

Federal law requires specific disclosures for consumers working with credit repair organizations, including the right to dispute information directly with credit bureaus and the right to cancel a contract with a credit repair organization within 3 business days.

Important: CLG Software is a technology tool and is not a credit repair organization. However, if you operate a credit repair organization, you are responsible for providing required disclosures and complying with the Credit Repair Organization Act (“CROA”) and applicable state laws.

Reference: Federal Trade Commission overview of CROA
https://consumer.ftc.gov/articles/credit-repair-scams

9) License Grant and Restrictions

We grant you a limited, non-exclusive, non-transferable right to use our software/services for your internal business use or personal use, subject to these Terms.

You may not:

  • Resell, sublicense, or redistribute our software or templates unless we expressly authorize it in writing
  • Reverse engineer the software or misuse public code/scripts
  • Use the service to send spam or unlawful communications
  • Introduce malicious code, viruses, or harmful components
  • Copy/duplicate our design, layout, HTML/CSS, or visual elements without written permission

All intellectual property remains owned by us (or our licensors). Unauthorized reuse may result in termination and legal action.

10) Your Data and Content

You retain ownership of “Your Data” that you upload or submit. You are responsible for the legality, accuracy, and rights to use it.

We are not liable for loss of data caused by:

  • Your failure to maintain backups
  • Account termination due to non-payment or Terms violations
  • Normal operational limits or system upgrades
  • Security incidents beyond our reasonable control

11) Disclaimers

Our services are provided on an “AS IS” and “AS AVAILABLE” basis. We do not warrant uninterrupted service, error-free operation, or specific outcomes.

We do not provide legal advice. For legal guidance, consult an attorney.

12) Limitation of Liability

To the maximum extent permitted by law:

  • Neither party is liable for indirect, incidental, special, consequential, or punitive damages.
  • Our total liability for any claim related to the service will not exceed the amount paid by you in the 12 months preceding the event giving rise to the claim.

13) Privacy Policy

13.1 Information We Collect

We may collect:

  • Contact information (name, email, phone, address)
  • Account credentials and login metadata
  • Billing details (processed through payment processors; we typically do not store full card numbers)
  • Service usage data (pages viewed, features used, timestamps, IP address)
  • Communications (support requests, emails to support@philio.com)

13.2 How We Use Information

We use information to:

  • Provide and operate our services
  • Process payments and manage subscriptions
  • Provide customer support
  • Improve performance and features
  • Prevent fraud and protect security
  • Send service notices (billing, policy updates, system updates)

13.3 Cookies and Analytics

We may use cookies or similar technologies for:

  • Session management (keeping you logged in)
  • Performance and analytics
  • Security and fraud detection

You can adjust cookie settings in your browser, though some features may not function properly.

13.4 Sharing Information

We may share information with:

  • Payment processors (to process payments)
  • Hosting providers and infrastructure vendors (to run the service)
  • Analytics/security vendors (to protect and improve the service)
  • Legal authorities (if required by law or to protect rights/safety)

We do not sell your personal information as a business model.

13.5 Data Security

We use reasonable administrative, technical, and organizational safeguards to protect data. No method of transmission or storage is 100% secure.

FTC consumer guidance on protecting personal information:
https://consumer.ftc.gov/articles/how-keep-your-personal-information-secure

13.6 Data Retention

We retain data as needed to operate services and comply with legal obligations. Account data may be deleted approximately 60 days after cancellation/termination, unless legal requirements require longer retention.

13.7 Your Choices

Depending on your location, you may have rights to request access, correction, or deletion of certain personal information. Send requests to support@philio.com.

14) Contact

For questions about these policies or your account, contact:
support@philio.com

Mailing Address: [Insert Business Address]

15) Governing Law

These Terms are governed by the laws of [Choose State: Tennessee / Florida / Connecticut], without regard to conflict of law rules.

16) Changes to These Policies

We may update these policies periodically. Material changes will be posted on our website and/or provided by email when appropriate. Continued use after updates constitutes acceptance.