This Terms of Service Agreement ("Agreement") is a legally binding contract entered into between Declare Capital, LLC, a Georgia limited liability company doing business as MyBLOC™ ("Company," "we," "our," or "us"), and the individual or entity accessing or using the MyBLOC™ website, platform, and services ("Member," "you," or "your").
BY CREATING AN ACCOUNT, ACCESSING, OR USING THE MYBLOC™ WEBSITE AND MEMBER PORTAL AT MYBLOC.CC, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SITE OR SERVICES.
The MyBLOC™ Program is a 12-month guided business credit building program. Over the course of 12 monthly cycles, Members receive personalized recommendations and access to a curated network of business credit products, including credit cards, vendor accounts, and lines of credit. The goal of the program is to help Members build $50,000 to $250,000+ in business credit lines.
Results are not guaranteed.Credit outcomes depend on numerous factors including but not limited to Member's personal credit history, business profile, credit utilization, inquiry history, lender underwriting criteria, and market conditions. The Company makes no representations or warranties regarding specific credit limits, approval rates, or total credit obtained.
To participate in the MyBLOC™ Program, Member must:
If Member does not yet meet these requirements, the Company provides guidance through the member portal ("Before You Apply" checklist) to help Member establish these prerequisites. Certain portal features, including Business Credit Cards and Apply for BLOC, are gated behind completion of required eligibility steps.
The Company provides the following services through the MyBLOC™ member portal:
The MyBLOC™ Program is free to Members. There are no membership fees, origination fees, or monthly service charges. The Company earns revenue through affiliate and referral partnerships with credit card issuers, lenders, credit monitoring services, and other financial product providers.
When you click "Apply Now" or similar links within the portal, you may be directed to a third-party website through an affiliate link. The Company may receive compensation if you are approved for or enroll in a product through these links. This compensation does not affect the terms, rates, or fees of any credit product you receive — those are determined solely by the issuing lender.
The Company's recommendations and approval odds estimates are based on publicly available issuer guidelines and general underwriting criteria. They are not influenced by affiliate compensation arrangements. However, Member acknowledges that the Company has a financial incentive when Members apply for and are approved for credit products through the portal.
Member agrees to:
Member is solely responsible for maintaining the confidentiality of their account login credentials and for all activity that occurs under their account. The Company is not liable for any loss or damage arising from Member's failure to secure their account.
The portal offers an optional feature allowing Members to store login credentials for third-party credit monitoring services (e.g., MyFreeScoreNow) within the portal for convenience. By using this feature, Member acknowledges and agrees that: (a) this storage is provided as a convenience only; (b) the Company is not responsible for any unauthorized access to stored credentials; (c) Member stores credentials at their own risk; and (d) the Company recommends using unique, strong passwords for all financial accounts.
The Company is not a lender, bank, credit union, or financial institution. The Company does not make credit decisions, issue credit cards, extend lines of credit, or guarantee approval for any financial product.
All credit products displayed on the platform are offered by independent third-party lenders and financial institutions. Any credit product obtained through the platform is subject to the terms, conditions, fees, interest rates, and policies of the issuing lender. Member's relationship with any lender is solely between Member and that lender. The Company is not a party to any agreement between Member and any third-party lender or service provider.
The Company does not guarantee the accuracy, completeness, or timeliness of any information provided by third-party lenders. Product terms, availability, and approval criteria may change without notice from the Company.
The portal provides estimated approval odds and a Credit Snapshot feature based on Member's self-reported credit score, inquiry count, and utilization data. These estimates are for informational and educational purposes only and are not guarantees of approval or denial. All information, recommendations, and approval odds provided through the platform are recommendations only.
THE COMPANY IS NOT AN UNDERWRITER AND DOES NOT MAKE CREDIT DECISIONS. The Company does not underwrite, approve, deny, or influence any credit application. All final approval decisions are made solely by the third-party lenders and their underwriting departments based on their own proprietary criteria, which may include factors not captured by the platform (e.g., income, debt-to-income ratio, time in business, existing banking relationships, internal risk models, and other factors at the lender's sole discretion).
Member understands and agrees that the Company's role is limited to providing recommendations and educational guidance. Member should not rely solely on the portal's approval estimates when making financial decisions. The Company bears no responsibility for any credit application outcome, whether approved or denied.
The information provided through the MyBLOC™ platform, including educational resources, recommendations, and credit-building strategies, is for general informational purposes only. It does not constitute financial advice, legal advice, tax advice, or credit repair services. The Company is not a registered investment advisor, financial planner, attorney, CPA, or credit repair organization.
Member is encouraged to consult with qualified professionals regarding financial, legal, and tax matters specific to their situation.
The MyBLOC™ Program is designed exclusively for legitimate business credit building purposes. Member shall not:
The Company maintains a zero-tolerance policyfor fraud. Any suspected fraudulent activity will result in immediate and permanent termination of Member's account without notice. The Company reserves the right to report suspected fraud to law enforcement, the FBI, the FTC, affected lenders, and any other appropriate authorities. The Company may cooperate fully with any investigation into fraudulent activity.
The MyBLOC™ name, logo, branding, portal software, credit-building methodologies, approval algorithms, educational content, and all related materials are the exclusive proprietary property of Declare Capital, LLC and are protected by applicable intellectual property laws.
Member is granted a limited, non-exclusive, non-transferable, revocable license to access and use the platform for personal, non-commercial use in connection with the MyBLOC™ Program. Member may not copy, reproduce, distribute, modify, create derivative works of, publicly display, reverse-engineer, decompile, or disassemble any aspect of the platform, its software, or its content.
By Member: Member may cancel their membership at any time by contacting the Company at info@mybloc.cc.
By Company:The Company may suspend or terminate Member's access immediately, without prior notice or liability, for any reason, including but not limited to: (a) violation of this Agreement; (b) suspected fraudulent activity; (c) inactivity for an extended period; or (d) at the Company's sole discretion.
Upon termination, Member's access to the portal and all program services will cease immediately. Any data stored in Member's account, including stored credentials, may be deleted. Sections 8, 9, 10, 11, 13, 14, 15, 16, and 17 shall survive termination.
THE PLATFORM AND ALL SERVICES ARE 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, NON-INFRINGEMENT, AND ACCURACY.
The Company does not warrant that: (a) the platform will be uninterrupted, secure, or error-free; (b) any information provided through the platform is accurate, complete, or current; (c) any defects will be corrected; or (d) the platform is free of viruses or other harmful components.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DECLARE CAPITAL, LLC, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, GOODWILL, OR CREDIT SCORE CHANGES, ARISING OUT OF OR IN CONNECTION WITH MEMBER'S USE OF OR INABILITY TO USE THE PLATFORM OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY.
The Company is not responsible for: (a) lender decisions, including approvals, denials, credit limits, or changes in terms; (b) changes in lender underwriting policies or product availability; (c) credit bureau reporting errors or disputes; (d) any negative impact on Member's credit score resulting from applications submitted through or recommended by the platform; or (e) any actions taken by third-party lenders or service providers.
In no event shall the Company's total aggregate liability exceed one hundred dollars ($100.00).
Member agrees to indemnify, defend, and hold harmless Declare Capital, LLC, its officers, directors, members, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) Member's use of the platform or services; (b) Member's violation of this Agreement; (c) Member's violation of any law or regulation; (d) any information Member provides through the platform; or (e) Member's interactions with any third-party lender or service provider.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
Any dispute, claim, or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration in the State of Georgia, in accordance with the rules of the American Arbitration Association ("AAA"). The arbitration shall be conducted by a single arbitrator.
CLASS ACTION WAIVER: Member agrees that any arbitration or legal proceeding shall be conducted on an individual basis only and not as a class action, collective action, or representative action. Member expressly waives the right to participate in a class action lawsuit or class-wide arbitration against the Company.
JURY TRIAL WAIVER: Both parties waive the right to a trial by jury in any legal proceeding arising out of or related to this Agreement.
This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions.
By creating an account, Member consents to receive electronic communications from the Company, including but not limited to: account notifications, program updates, application cycle reminders, educational content, and promotional materials. Member may opt out of promotional communications at any time, but transactional and account-related communications are required as part of the program and cannot be opted out of while maintaining an active account.
The Company reserves the right to modify these Terms of Service at any time at its sole discretion. Changes will be effective immediately upon posting to the website with an updated "Last updated" date. Member's continued use of the platform after any modification constitutes acceptance of the revised terms. It is Member's responsibility to review these Terms periodically. For material changes, the Company will make reasonable efforts to notify Members via email or portal notification.
If any provision of this Agreement is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.
This Agreement, together with the Privacy Policy, constitutes the entire agreement between Member and the Company regarding the use of the platform and services, and supersedes all prior or contemporaneous agreements, representations, warranties, and understandings, whether written or oral. No waiver of any provision of this Agreement shall be deemed a further or continuing waiver of such provision or any other provision.
For questions, concerns, or notices regarding these Terms of Service, contact:
BY USING MYBLOC™, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE IN THEIR ENTIRETY.