Terms & Conditions

Citiorx provides an independent consumer assistance and guidance service to help individuals navigate credit card disputes, billing issues, fraud concerns, and related financial matters. Our services include:

• Educational guidance on consumer rights under applicable law.
• Step-by-step assistance with dispute and complaint processes.
• Information on hardship programs and relief options that may be available.
• General financial consultation and communication guidance.

Our services are informational and educational in nature. We do not act as attorneys, financial advisors, credit counselors, or regulated financial service providers.

Citiorx is a fully independent consumer assistance service. We are not affiliated with, sponsored by, endorsed by, or connected to any of the following entities or their affiliates:

• Citibank, N.A. or Citigroup Inc.
• JPMorgan Chase Bank, N.A.
• Capital One Financial Corporation
• Discover Bank or Discover Financial Services
• American Express Company
• Any other bank, credit union, or financial institution

References to these institutions on this Site are for descriptive purposes only, to identify the companies our users may be seeking assistance with. We have no partnership, agency, or representative relationship with any financial institution.

The information and guidance provided by Citiorx are for general informational and educational purposes only and do not constitute:

• Legal advice or legal representation
• Financial advice or financial planning services
• Credit counseling or debt management services
• Investment advice

Nothing on this Site or in our communications should be construed as creating an attorney-client relationship, a fiduciary relationship, or any other professional advisory relationship. For specific legal or financial advice, please consult a licensed professional.

Results experienced by other users are not guaranteed and may vary based on individual circumstances. We do not guarantee any specific outcome from following our guidance.

By using our Site and services, you agree to:

• Provide accurate and truthful information when submitting inquiries or forms.
• Use our services only for lawful purposes and in compliance with applicable law.
• Not impersonate any person or misrepresent your identity or affiliation.
• Not use our Site to engage in any activity that could harm, disable, or overburden our systems or interfere with other users' access.
• Not scrape, harvest, or collect data from our Site using automated tools.
• Not use our services to submit false or fraudulent disputes.

We reserve the right to refuse service to any user who violates these Terms or engages in conduct we determine, at our sole discretion, to be harmful to our users, operations, or reputation.

All content on this Site — including but not limited to text, graphics, logos, icons, images, and software — is the property of Citiorx or its content suppliers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display Site content without our written consent.
• Modify or create derivative works based on our content.
• Use our trademarks, logos, or brand elements without prior written permission.

To the fullest extent permitted by applicable law, Citiorx, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Site or our services.
• Any errors or inaccuracies in our content or guidance.
• Outcomes of disputes, complaints, or negotiations with financial institutions.
• Unauthorized access to or alteration of your data.
• Any third-party conduct or content accessible through the Site.

In no event shall our total liability to you exceed the amount you paid to us for services in the twelve (12) months preceding the claim — or $100 USD if no payment has been made, as our initial consultation is free.

The Site and all services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that:

• The Site will be uninterrupted, error-free, or secure.
• Any information on the Site is complete, accurate, or current.
• Any guidance will achieve a desired outcome with a financial institution.

Our Site may contain links to third-party websites or services. These links are provided for convenience only. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites. Your use of any linked site is at your own risk.

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Citiorx is registered, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved exclusively in the courts of competent jurisdiction in that state.

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Site following any modifications constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

If you have questions about these Terms or wish to report a concern, please contact us: