Terms of Use

Last updated: October 2026

This digital business card provides general information about the services of Fred Livai Financial. It is not legal, tax, or financial advice.

No guarantees

Credit repair outcomes are not guaranteed. We do not promise score increases, removal of items, loan approvals, or specific timelines. Accurate, timely, and verifiable information may legally remain on your credit report.

Service agreement

All credit services and pricing are subject to a written service agreement you review and sign before any payment. You may have rights under federal and state law, including the Credit Repair Organizations Act.

Insurance

Insurance coverage, eligibility, policy features, and premiums depend on the insurance company, underwriting, and approved policy terms.

Third-party services

Links to providers such as SmartCredit lead to independent companies with their own terms, pricing, and privacy policies.

Contact

fred@fredlivai.com · 510-883-8203