Effective date: April 9, 2026
High Caliber Operations LLC · Caliber Score
Caliber Score is not a credit repair organization and does not perform credit repair services as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., or any analogous state law. Caliber Score is a financial intelligence and credit education platform. We provide tools, data visualization, and AI-assisted guidance so that users can understand their own credit reports and make informed decisions. We do not contact credit bureaus, creditors, or debt collectors on your behalf.
By accessing or using Caliber Score, a service operated by High Caliber Operations LLC ("we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms in their entirety, do not access or use the service.
These Terms constitute a legally binding agreement between you and High Caliber Operations LLC. By creating an account, subscribing to a plan, or using any feature of Caliber Score, you confirm that you are at least 18 years of age, have the legal capacity to enter into this agreement, and are using the platform for lawful purposes.
Caliber Score is a financial intelligence and credit education platform. Our service includes tools and information designed to help users understand their credit profiles, monitor score changes, and learn how consumer credit reporting works. Specific features include:
Caliber Score is an education and analysis tool, not a professional financial services provider. We are not a credit bureau, credit repair organization, financial advisor, mortgage lender, or debt counseling service. Nothing in our service constitutes legal, financial, credit, or tax advice.
You are responsible for your use of Caliber Score and any actions you take based on information or tools provided by the platform. Specifically, you agree to:
You acknowledge that you — not High Caliber Operations LLC — are responsible for submitting any communications, verification requests, or dispute letters to credit bureaus, creditors, or collection agencies. Our tools help you understand your options; the actions are yours to take.
Caliber Score uses artificial intelligence, including large language model technology, to provide financial coaching, credit analysis, letter drafting assistance, and action planning. By using any AI-powered feature, you acknowledge and agree to the following:
AI-generated content — including coaching responses, score analysis, action plans, and any draft letters — is provided for educational and informational purposes only. It is not legal advice, financial advice, credit counseling, or a guarantee of any outcome. You should independently verify any material information before acting on it.
AI models can produce inaccurate, incomplete, or contextually inappropriate output. They may not reflect the most current laws, regulations, or bureau policies. Reliance on AI-generated content without independent verification is at your own risk. High Caliber Operations LLC is not liable for decisions made based on AI output.
Caliber Score does not guarantee any improvement to your credit score. Credit scoring models are proprietary and depend on many factors, including bureau data reporting timelines, lender behavior, and your individual credit history. AI coaching may provide strategies that are generally effective, but outcomes vary significantly between individuals and cannot be predicted with certainty.
The AI advisors within Caliber Score (Cali, Rex, Nova, and Bolt) are educational tools, not licensed financial advisors, attorneys, or credit counselors. Their guidance does not create a professional-client relationship. For matters with significant legal or financial consequences, consult a qualified professional.
Caliber Score provides tools to help users understand what is on their credit reports, evaluate the accuracy of reported information, and prepare written communications they may choose to submit to credit bureaus or creditors. This section clarifies the scope and limits of those tools.
High Caliber Operations LLC does not submit verification requests, dispute letters, or any other communications to credit bureaus, creditors, or collection agencies on your behalf. Any letter generated by Caliber Score is a draft for your review and use. You are responsible for reviewing, customizing, and submitting any communications yourself, via mail, online portal, or phone — as applicable.
Requesting that a credit bureau verify the accuracy of reported information is a right guaranteed to all consumers under FCRA § 611, 15 U.S.C. § 1681i. Exercising this right does not require a third-party service; you can do it yourself for free directly with each bureau. Caliber Score provides educational tools to help you understand this process. We do not engage in credit repair as defined under CROA.
Submitting a verification request does not guarantee that any item will be updated, corrected, or removed from your credit report. Bureau outcomes depend on furnisher responses, applicable law, and the specific facts of each item. Caliber Score makes no representations about the likelihood of any particular outcome.
AI-assisted letter drafts are based on general FCRA principles and your stated account details. They may not account for jurisdiction-specific requirements, specific creditor policies, or recent regulatory changes. Review any draft carefully before sending. High Caliber Operations LLC is not responsible for the content of letters you submit.
You retain ownership of all personal data you upload, enter, or generate withinCaliber Score, including credit report data, financial documents, and personal profile information. By providing data to Caliber Score, you grant High Caliber Operations LLC a limited, non-exclusive license to process and store that data solely for the purpose of delivering the service to you.
We process your data to operate the platform, generate AI-assisted insights, and improve service quality. We do not sell your personal data to third parties. Credit report data is stored encrypted at rest and is not shared with any party other than as required to operate the service or comply with applicable law.
You may request a full export of your data at any time through your account settings. You may request deletion of your account and associated data at any time; upon receipt of a valid deletion request, we will remove your data within 30 days, except where retention is required by law. Credit report files and documents uploaded to the platform will be purged from storage upon account deletion.
For full details on data collection, use, and retention, see our Privacy Policy.
Caliber Score is offered on a subscription basis. Paid plans are available on monthly or annual billing cycles. All prices listed below are in USD.
Prices are subject to change. Active subscribers will receive 30 days' written notice before any price increase takes effect. Plan features are defined on our Pricing page, which is incorporated by reference into these Terms.
All paid plans include a 7-day free trial. A valid payment method is required to start a trial. You will not be charged during the trial period. If you do not cancel before the trial ends, you will be automatically charged at the applicable plan rate.
Optional add-on features (including the Budget tool and white-label branding for Business plans) are available at additional cost and are billed on the same cycle as your base subscription.
All payments are processed by Stripe, Inc. High Caliber Operations LLCdoes not store your full payment card details. Stripe's terms and privacy policy govern payment processing. By providing a payment method, you authorize High Caliber Operations LLC to charge you on a recurring basis in accordance with your selected plan.
Prices do not include applicable sales tax, VAT, or similar charges, which may be added at checkout based on your location.
You may cancel your subscription at any time through your account settings or by contacting support. Cancellation takes effect at the end of the current billing period. You will retain access to Caliber Score through the end of the period you have paid for.
Monthly subscriptions may be cancelled at any time. No refunds are issued for partial billing months already charged.
Annual subscriptions are eligible for a full refund within 14 days of initial purchase or annual renewal if you have not made substantial use of the platform (as determined in our reasonable discretion). After 14 days, annual subscriptions are non-refundable.
If you cancel during your free trial, you will not be charged. Cancellation must occur before midnight on the last day of the trial period.
If we terminate your account for violation of these Terms, no refund will be issued for any remaining subscription period. If we discontinue the service, we will provide at least 30 days' notice and issue pro-rated refunds for unused prepaid subscription periods.
All content, features, and functionality of Caliber Score — including text, graphics, logos, AI advisor personas, software, and the compilation thereof — are owned byHigh Caliber Operations LLC and are protected by applicable intellectual property laws. The Caliber Score name, logo, and AI advisor names (Cali, Rex, Nova, Bolt) are trademarks of High Caliber Operations LLC.
You are granted a limited, personal, non-exclusive, non-transferable license to access and use Caliber Score solely for your personal or internal business purposes in accordance with these Terms. You may not:
You have the right, free of charge and without using any third-party service, to dispute inaccurate information directly with each credit bureau. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., your rights include:
Caliber Score provides educational tools to help you understand these rights and prepare to exercise them. We are not acting as your agent. Any correspondence with credit bureaus or creditors is submitted by you, in your own name, and is entirely your responsibility.
To the maximum extent permitted by applicable law, High Caliber Operations LLC and its officers, directors, employees, contractors, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including but not limited to loss of revenue, loss of data, loss of goodwill, business interruption, or any credit-related outcome — arising from your use of or inability to use Caliber Score, even if High Caliber Operations LLC has been advised of the possibility of such damages.
Our total cumulative liability to you for any claims arising under or in connection with these Terms or your use of Caliber Score shall not exceed the total amount you paid to High Caliber Operations LLC in the twelve (12) months immediately preceding the event giving rise to the claim.
Caliber Score does not guarantee any specific improvement to your credit score, andHigh Caliber Operations LLC shall not be liable for any credit decision made by a lender, creditor, or third party based on your credit profile.
Caliber Score is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, secure, or free of viruses or harmful components.
We make no warranty regarding the accuracy, completeness, or timeliness of credit data obtained from third-party sources, including credit bureaus, financial institutions, or data aggregators. Credit data is reported by furnishers and may contain errors that are outside our control.
AI-generated content, coaching, and recommendations are provided without warranty of accuracy or fitness for any particular purpose. Do not rely solely on AI-generated content for decisions with material financial or legal consequences.
Either party may terminate this agreement at any time. You may close your account through the account settings page. Upon closing your account, your subscription will be cancelled as of the next billing date and your access to the platform will cease at the end of the current paid period.
High Caliber Operations LLC may suspend or terminate your access immediately, with or without notice, if you violate these Terms, engage in fraudulent or abusive behavior, use the platform in a manner that harms other users or High Caliber Operations LLC, or fail to pay applicable fees.
Sections that by their nature should survive termination will do so, including Sections 6 (Data Ownership), 9 (Intellectual Property), 11 (Limitation of Liability), 12 (Disclaimer of Warranties), and 14 (Governing Law).
These Terms are governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any dispute arising under or in connection with these Terms or your use of Caliber Score shall be subject to the exclusive jurisdiction of the state and federal courts located in Michigan, and you hereby consent to the personal jurisdiction of such courts.
Notwithstanding the foregoing, High Caliber Operations LLC may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened misappropriation of intellectual property or breach of confidentiality obligations.
We reserve the right to modify these Terms at any time. For material changes, we will provide at least 30 days' advance notice via the email address associated with your account or a prominent notice within the platform. Non-material changes (such as clarifications, formatting, or corrections) may be made without notice.
Your continued use of Caliber Score after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must cancel your subscription and stop using the service before the effective date.
The current version of these Terms will always be available at caliberscore.com/terms.
If you have questions, concerns, or requests related to these Terms — including privacy, data deletion, or billing disputes — please contact us:
