Terms & Conditions

Terms and Conditions


Agreement between User and Pyrial Financial Services

Please read these terms carefully before using the website. Your access and/or use of the website confirms your unconditional acceptance of the following terms. If you do not fully accept these terms, Do Not use or access the website.

Conditions of Use:

These terms and conditions of use apply to all materials, online communications and other information and materials that are or become available on or through the website (collectively, the “material”). Please read these terms and conditions of use carefully. By accessing the website, you specifically acknowledge that you read these terms and conditions of use and you specifically agree, without limitation or qualification, to each of the provisions contained herein. These terms and conditions may be revised at any time by updating this post. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound. These terms and conditions of use form a legally binding agreement. If you do not agree to any of all of the provisions found in the terms and conditions of use, please immediately exit the website. We reserve the right to terminate your use of or access to the website or your account at any time for any reasons, including without limitation, if we learn that you have violated these terms and conditions of use

Disclaimer of Warranties

You expressly agree that use of the website is at your own risk. The material provided on “As is” and “As Available” basis to the fullest extent permitted by law. Company Disclaims all warranties of any kind, either express or implied, including, without limitation, warranties of title, noninfringement, or implied warranties or merchantability or fitness for a particular purpose with respect to this website, any use of the website and any website to which the website is linked. Pyrial Financial Services does not warrant that the material on the website is complete or accurate, that use of this website will be uninterrupted or error free, or that this website or server or any material on this website is free disabling devices (as hereinafter defined). You understand and agree that any material downloaded or otherwise obtained through this website is done at your own discretion and risk and that you will be responsible for any damage to your computer services or loss of data that result from the download of such material. A “disabling device” is defined as any software, document, message or other material which contains a computer virus, worm, Trojan Horse, Time Bomb or other harmful device which may erase, scumble, lock or disable computer software or equipment or may prevent users from using a website or any other item of hardware or software.

Limitations on Authority

While Pyrial Financial Services uses reasonable efforts to include accurate and up-to-date information on the website, errors or omissions sometimes occur. You understand that to the extent determined under Applicable Law, under no circumstances shall Pyrial Financial Services, or its officers, employees, directors, managers, parents, subsidiaries, affiliates, agents or licensors, be liable for any direct, indirect, incidental, special, punitive or consequential damages that may result from the use or inability to use this website, or the material, including, without limitations, use of or reliance on the material, interruptions, errors, defects, mistakes, omissions, deletion of files, disabling devices, delays in operation or transmission, non-delivery of information, disclosure of communications, or any other failure of performance, damages for loss of revenues, profits, goodwill, use, data or other intangible losses arising out of or related to your use of the website, regardless of whether, such damages are based on contact, tort (including negligence and strict liability), warranty, statue or otherwise. If you are dissatisfied with any portion of the website, your sole and exclusive remedy is to discontinue use of the website. You (and not Pyrial Financial Services or its parents or affiliates) solely assume the entire cost of all necessary servicing, repair or correction related to any damage, harm, injury or malfunction associated with your use of the website and/or its contents.


The laws of Alabama, United States of America, without regard to principles of conflict of laws, govern these terms of use and any dispute that might arise between you and Pyrial Financial Services. If you take legal action relating to these terms of use, you agree to file such action in Houston County, Alabama and in no other venue, and you consent and submit to the personal jurisdiction of these courts for the purposes of litigating any such action.

Class Action Waiver

You agree that any legal action shall be conducted in your individual capacity only and not as a class action or other representative action, and you expressly waive your right to file a class action or seek relief on a class basis.

Links to Third Party Sites

The website may contain links to other websites (“Linked Sites”). The linked sites are not under the control of Pyrial Financial Services, and they are not responsible for the contents of any Linked Site, including without limitation any link contained in a linked site, or any changes or updates to a linked site. Pyrial Financial Services is not responsible for webcasting or any other form of transmission received from any Linked Site. Pyrial Financial Services is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Pryial Financial Services of the site or any association with its operators.

No Lawful or Prohibited Use

As a condition of your use of the website, you warrant to Pyrial Financial Services that you will not use the website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use this website in any manner which could damage, disable, overburden, or impair this website or interfere with any other party’s use and enjoyment of it. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for you thought this website.

Privacy Notice

Privacy, our privacy policy applies to your access and use of this website, including any personal information provide via the website or via any other aspect of the website. The terms and conditions of our privacy policy are herby incorporated by the reference into these terms. In addition, the privacy policy is subject to the terms and conditions of these terms and privacy policy, these terms shall govern and prevail.

In accordance with federal regulations, Pyrial Financial Services is giving you this notice to tell you how we may use non-public personal information about you or your account (private information.) This notice applies to both current and former customers of Pyrial Financial Services. We collect private information about you from the following sources: information we receive from you, such as information on applications or other forms, which may include you name, address, social security number, and date of birth, information about your transactions with us or others, such as you account balance and payment history, information we receive from the credit history and credit worthiness.

Disclosure of Private Information

  • We do not sell your personal information to credit card companies, subprime lenders, or telemarketers.
  • We provide your personal information to Equifax, TransUnion, and Experian.

We restrict access to non-public personal information about you to our employees who need this information to provide products or services to you. We maintain physical, electrical, and procedural safeguards that are consistent with federal requirements to guard your private information.

Legal Jurisdictions Only

The services described on the website are only for persons in those United States and Jurisdictions where such services may legally be sold. Those who choose to access this website do so at their own iniative and are responsible for compliance with local laws. Some services may not be available in all jurisdictions and nothing on this website shall be considered solicitation to buy or an offer to sell any services to any person in a jurisdiction where an offer, solicitation, purchase, or sale would be unlawful.

Access to Password Protected Areas

Access to and use of password protected or secure areas of this website are restricted to authorized persons only. Anyone accessing or who attempt to access such areas without authorization may be subject to prosecution ownership of information If you send us any creative materials, such as comments, suggestions, ideas, concepts, drawings, pictures, or other materials (collectively, “The Submissions”) you agree that the submissions shall be deemed, and shall remain, the property of Pyrial Financial Services. None of the Submissions shall be subject to any obligation of confidentiality on that part of Pyrial Financial Services and Pyrial Financial Services shall not be liable for any use or disclosure of any of the submissions. Without limitation of the foregoing, Pyrial Financial Services shall exclusively own all now known or hereby existing rights to the Submissions for every king and nature throughout the world and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions Locality

Pyrial Financial Services managers and controls this website from its offices located in Alabama (United States of America.) Pyrial Financial Services makes no representation that the information or other materials in the website or appropriate or available for use in other locations. If you choose to access the website outside the state of Alabama through your own initiative, to the extent the local laws in the geographic regions in which you are located are applicable to your access of and activities on this website you are responsible for compliance with such local laws.

Beacon Scores Understanding

There are many factors that affect a credit score besides negative credit, although negative credit is the major factor. In addition, there are many elements that are considered in the process of calculating your credit score. The factors are as followed: Payment History, The Amount Owed, Length of Credit History, Type of Credit Used, New Credit, Delinquent Accounts, Derogatory Accounts, Collection Accounts, Charge- Offs, Judgements, Bankruptcies, Tax Liens, and etc. The removal of negative items will help your credit score increase. Throughout this process, the said client(s) must keep the following accounts current: Mortgage(s), Auto Loan(s), Bank Loan(s), Credit Card(s), Student Loan(s), Utility Bill(s), or any other loans that may be charged to your credit reports due to neglect. No specific credit score can be predicted; however, we have been successful on many occasions helping our clients increase their credit scores over 700. As part of our service, we will help show a breakdown of what makes up the credit score, and advise you how you can improve your score.

Limited Power of Attorney

This is a limited Power of Attorney providing Pyrial Financial Services with permission to represent you as your disclosed or undisclosed agent when writing, signing, and sending letters to the credit bureaus and other parties as deemed appropriate and in accordance with the purposed described in the Agreement.

You may cancel your authorization and your Limited Power of Attorney at any time by sending Pyrial Financial Services an e-mail stating that you retract your authorization. Without this authorization and Limited Power of Attorney, Pyrial Financial Services is unable to represent you, and cancelling it will terminate this Agreement.

By agreeing to these terms and providing my social security number, I certify that I am of age, acknowledge that I have read the legal disclosures, and give Pyrial Financial Services a limited Power of Attorney to perform on my behalf. You are representing and agreeing that you accept all terms and conditions.

Do We Offer A Guarantee?

Please keep in mind that every case is different and no specific results can be predicted. Pyrial Financial Services warranties the success of its work by offering a satisfaction guarantee. In the event we are unable to better your credit in the time frame explained in the Client Agreement. You may cancel at any time with no further obligation. Pyrial Financial Services does not charge termination fees or penalties.

How Long Will It Take To Restore My Credit?

The amount of time it takes is different in every circumstance. Many of our clients see good results within 30 to 60 days. On an average, it takes about 6 months to a year in most cases, but could be longer given the number of negative marks on your credit reports. Often, we can increase a person credit score by a full letter grade in the first cycle. The progress of your case will also depend on you forwarding credit reports and letters from the credit agencies to us as soon as you receive them.

How Do I Get Updates on My Case?

You will receive updated credit reports from all three credit bureaus (Equifax, Experian, and TransUnion) once every 45 to 60 days. At the time you will see what was deleted and will need to mail the originals to us so that we can continue working on the remaining items. You will actually know what was deleted before we do, which is why it is so important that you forward all credit bureau correspondence within a few days of receiving it.


If any provisions of these terms and conditions of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed and severable from these Terms and Conditions of Use and shall not affect validity and enforceability of any remaining provisions. These Terms and Conditions of Use constitiute the entire agreement of the parties with respect to the subject matter hereof, and supersedes all previous written or oral agreements between the parties with respect to such subject matter.

Copyright and Trademark Notices

All materials included on the website, except third party content as reference above, is the property of Pyrial Financial Services and is protected by the United States and International copyright laws. No portion of the materials on this website may be reprinted or republished in any form without the express written permission, its respective owner(s) you may download material from the website at your own personal noncommercial use only, provided you do not modify the material and keep intact all copyright and other property notices. You may bit further distribute or display such material for any purpose. Without our prior written consent, you may not: 1. Allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via email (spam) ; 2. Use any high volume, automated, electronic means (including without limitation robots spiders, scripts, or other automatic device) to monitor or copy our web pages or the content contained thereon; 3. Link or deep-link to this website for any purpose ; or 4. Frame the website, place pop-up windows over its pages, or otherwise affect the display of its pages.

Certain of the names, logos, and other materials displayed on this website may constitute trademarks, tradenames, service marks or logos (“marks”) of Pyrial Financial Services or third parties. You are not authorized to use any such marks. Ownership of all such marks and the goodwill associated therewith, with the exception of the third party marks, remains with the Pyrial Financial Services and are protected by the United Sates and international trademark law. Nothing contained on this website should be construed as granting, by implication or otherwise, any license or right to use any of the marks displayed on this website. Your use of the marks displayed on the website, or any other content on the website, except as provided herein, is strictly prohibited. All marks not owned by Pyrial Financial Services that appear on this website are the property of their respective owner(s).

Copyright Infringement Policy

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512©(2)(“DMCA”), Pyrial Financial Services will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any content on the website has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:

  • A physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf on the owner;
  • Identification of the copyright work(s) claimed to have been infringed, including copyright date;
  • Identification of the content you claim to be infringing and which yo8ur request be removed from the site or access to which is to be disabled along with a description of where the infriunging content is located;
  • Information reasonably sufficient to allow us to contact you, such as a physical address, telephone number, and an email address;
  • A statement by you that you have a good faith belief that the use of the content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or by the law; and
  • A statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

You agree to identify, defend, and hold harmless Pyrial Financial Services, its parents, subsidiaries, affiliates, officers, directors’ managers, and other partners, employees, consultants and agents, from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorney’s fees and court costs) resulting or arising from 1. Any information you (or anyone accessing your account using your password) submit through the website, 2. Your violation of these Terms and Conditions of the Use or applicable law, 3. Your (or anyone using you account/computer/device) violation of any rights of any other person or entity, or 4. Any disabling device or other similar harmful or deleterious programming routines input by you into the website.

Exclusions and Limitations

Some jurisdictions do not allow the exultations of certain warranties or the limitations or exclusions of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not, as a matter of applicable law, disclaim any implied warranty or limits its liabilities, the scope and duration of such warranty and the extent of our liability shall be the minimum permitted under such applicable law.


You agree that Pyrial Financial Services, in its sole discretion, you may terminate your access to the website without prior notice, for any reason, including without limitation, if we believe that you have violated or acted inconsistently with the letter if spirit of these Terms and Conditions of Use. FURTHER YOU AGREE THAT PYRIAL FINANCIAL SERVICES SHALL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THE WEBSITE. The provisions of these Terms and Conditions of Use shall survive termination of your access to the website, material or software. Violations of Terms and Conditions of Use Pyrial Financial Services reserves the right to seek any remedy available at law or in equity for any violations of Term and Conditions of Use, including the right to block access from a particular internet address to the website, and irreparable harm with be presumed by any violation of these Terms and Conditions of Use.

Credit/Debit Recurring Payment Authorization

I authorize Pyrial Financial Services to charge my credit/debit card for payment of the initial review/set up fee, dispute process, and counseling fees. There will be a recurring fee at the end of each month for service rendered. You agree to grant Pyrial Financial Services permission to withdraw the specified review/set up fees and monthly fees from your credit card, debit, or bank account. If you agree upon payment dates fall on a weekend or holiday, I understand that the payments may be executed on the next business day. I understand that this authorization will remain in effect until the last recurring payment is drafted or I cancel it in writing and I agree to notify Pyrial Financial Services in writing of any changes in my account information or termination of this authorization at least 15 days prior to the next billing date.

I certify that I am an authorized user of this credit/debit card and that I will not dispute the scheduled payments with my credit/debit card company provided the transactions correspond to the terms indicated in this authorization.

Permission to Pull Your Credit Reports

You agree to give Pyrial Financial Services permission to pull your credit repots for the initial review of your credit history, to systematically review your credit progress, and for credit monitoring. By Clicking I Agree To The Terms And Conditions,This Is Equivalent To Your Electronic Signature. Pyrialfinancial@gmail.com

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