Terms & Conditions

Please read these Terms and Conditions carefully before using fistarr.com. By accessing or using this website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, do not use this website.

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and StarrLife Co LLC, a limited liability company operating the FiStarr platform at fistarr.com ("Company," "we," "us," or "our"). By accessing or using fistarr.com, including any subpages, blog content, downloadable resources, or tools, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you are accessing this website on behalf of a business or other legal entity, you represent that you have authority to bind that entity to these Terms.

2. About FiStarr

FiStarr is a credit education and financial wellness platform operated by StarrLife Co LLC. FiStarr provides educational content, resources, downloadable templates, and informational tools related to personal credit, business credit, credit monitoring, dispute processes, and related financial topics.

FiStarr is not a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., unless and until a specific service offering on this platform constitutes such an activity under applicable law. Educational content does not constitute credit repair services.

FiStarr is not a bank, lender, credit bureau, credit counseling agency, law firm, or financial advisory firm. We do not provide credit repair, legal, financial, tax, or investment advice.

3. Educational Purpose Only

All content published on fistarr.com — including blog articles, how-to guides, letter templates, resource lists, tool recommendations, and any other materials — is provided for general educational and informational purposes only. This content does not constitute and should not be construed as:

• Legal advice or the establishment of an attorney-client relationship
• Financial advice, investment advice, or tax advice
• Credit counseling services
• A guarantee of any specific outcome, result, or credit score improvement
• A substitute for advice from a licensed attorney, financial advisor, or credit counselor

Results described in our content — including credit score improvements, funding amounts, or dispute outcomes — are illustrative examples and are not guarantees of what any individual user may experience. Credit outcomes vary significantly based on individual circumstances, bureau policies, creditor decisions, and other factors outside our control.

You should consult a qualified professional before making financial, legal, or credit-related decisions.

4. Eligibility

You must be at least 18 years of age to use this website. By using fistarr.com, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. This website is intended for users located in the United States.

5. User Accounts and Newsletter Subscriptions

If you subscribe to our newsletter or provide your email address for early access notifications, you agree to receive communications from FiStarr at the email address provided. You may unsubscribe at any time by clicking the unsubscribe link included in any email or by contacting us at legal@fistarr.com.

You are responsible for providing accurate contact information and for maintaining the confidentiality of any account credentials you create. We reserve the right to terminate or suspend access to any user who provides false information or violates these Terms.

6. Prohibited Conduct

When using fistarr.com, you agree not to:

• Use the site for any unlawful purpose or in violation of any applicable local, state, federal, or international law or regulation
• Reproduce, duplicate, copy, sell, or resell any portion of the site's content for commercial purposes without our express written consent
• Attempt to gain unauthorized access to any part of the site, its servers, or any systems connected to it
• Transmit any unsolicited or unauthorized advertising, promotional materials, spam, or junk mail
• Use any automated tools, bots, scrapers, or data mining technologies to access, collect, or index content from this site without express written permission
• Impersonate FiStarr, StarrLife Co LLC, or any employee or representative of the Company
• Use our letter templates or other downloadable materials to make false, misleading, or fraudulent statements to credit bureaus, creditors, or third parties
• Engage in any conduct that restricts or inhibits any other person from using or enjoying the website
• Interfere with or disrupt the integrity or performance of the website or its infrastructure

7. Intellectual Property

All content on fistarr.com, including but not limited to text, articles, guides, templates, graphics, logos, design, code, and the overall look and feel of the site, is the property of StarrLife Co LLC and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the site and its content for your personal, non-commercial use only. This license does not include the right to:

• Modify or create derivative works based on site content
• Commercially exploit any content from this site
• Redistribute, republish, or resell any content
• Remove any copyright, trademark, or proprietary notices

Unauthorized use of any content from this site may violate copyright, trademark, and other laws and could result in civil or criminal penalties.

8. Downloadable Content and Templates

FiStarr provides downloadable resources including credit dispute letter templates, guides, and checklists ("Downloadable Content"). By downloading and using these materials, you acknowledge and agree that:

• Downloadable Content is provided for personal, educational, and informational use only
• Templates are starting points and must be customized with your accurate personal information before use
• FiStarr does not guarantee that any letter template will result in the removal of any item from your credit report or in any other specific outcome
• You are solely responsible for the accuracy of information you insert into any template and for any consequences resulting from the use of these materials
• Use of these templates does not constitute the practice of law and does not create any attorney-client relationship with FiStarr or StarrLife Co LLC
• You may not resell, redistribute, or commercially exploit Downloadable Content

9. Third-Party Links and Services

fistarr.com contains links to third-party websites, tools, and services including but not limited to credit bureaus, credit card issuers, auto lenders, credit monitoring services, and financial institutions. These links are provided for your convenience and informational purposes only.

FiStarr has no control over the content, privacy policies, or practices of any third-party websites. We do not endorse, guarantee, or make any warranties about the products, services, or content offered by third parties. Your interactions with third-party websites are solely between you and those parties, and are governed by their terms and privacy policies.

We strongly encourage you to review the terms and privacy policies of any third-party website you visit through a link on our site.

10. Affiliate and Referral Relationships

FiStarr participates in affiliate and referral programs. When you click on certain links on this site — including but not limited to credit card pre-approval tools, auto loan lenders, credit monitoring services, and other financial products — FiStarr or StarrLife Co LLC may receive a referral fee or commission if you sign up or make a purchase through that link, at no additional cost to you.

Links that may generate referral compensation are identified with a Partner label where required by applicable disclosure rules. Our editorial decisions and content recommendations are made independently of these relationships. We only feature third-party products and services that we believe are legitimate and relevant to our audience's credit education goals.

FiStarr's affiliate relationships do not influence the factual accuracy of our educational content or our obligation to provide honest, unbiased information.

11. Disclaimers

No Warranties

fistarr.com and all content, materials, and services available through it are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Accuracy

While we make reasonable efforts to ensure the accuracy and currency of information on this site, we make no representations or warranties that the content is complete, accurate, reliable, suitable, or current. Credit laws, bureau policies, and financial regulations change frequently. You should verify any information obtained from this site with official or professional sources before relying on it.

Results Not Guaranteed

FiStarr makes no guarantee that following the strategies, guides, or advice presented on this site will result in any particular credit score improvement, debt removal, funding approval, or financial outcome. Individual results depend on many factors outside our control.

Availability

We do not guarantee that fistarr.com will be available at all times, error-free, or free from viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any part of the site at any time without notice.

12. Limitation of Liability

To the fullest extent permitted by applicable law, StarrLife Co LLC, its members, officers, employees, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, data, goodwill, use, or other intangible losses, arising out of or related to:

• Your access to or use of (or inability to access or use) fistarr.com
• Any content, information, or materials obtained through the site
• Any action you take based on content found on this site
• Unauthorized access to or alteration of your data
• Any third-party conduct or content accessed through links on this site
• Any outcomes resulting from use of our downloadable templates or resources

In no event shall StarrLife Co LLC's total aggregate liability to you for any claims arising out of or related to these Terms or your use of fistarr.com exceed one hundred dollars ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless StarrLife Co LLC and its members, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of fistarr.com; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any content you submit or transmit through the site; or (e) your use of any downloadable templates or materials in a manner that harms a third party.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Montana, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of fistarr.com shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Helena, Montana.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm. You agree that any claims must be brought individually and not as part of a class action.

15. Changes to These Terms

We reserve the right to modify these Terms at any time in our sole discretion. When we make material changes, we will update the "Last updated" date at the top of this page. Your continued use of fistarr.com after any such changes constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically. If you disagree with the revised Terms, you must stop using the site.

16. Contact Information

If you have questions, concerns, or requests regarding these Terms, please contact us:

These Terms were last updated on May 28, 2026. © 2026 StarrLife Co LLC. All rights reserved.