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CredVibe provides educational tools and structured guidance only. We are not a law firm, CPA firm, or financial advisor. We do not guarantee credit approval or IRS outcomes. Availability of CredVibe products and services may vary based on customer eligibility. Please note that our Terms and Conditions are applicable and subject to change. As a service and technology company, CredVibe does not operate as a law firm and cannot provide legal advice. Information presented on our website or communicated through channels such as email, WhatsApp, SMS, virtual calls or meetings of any kind, social networks, or any other means is for informational and educational purposes only and should not be construed as legal advice. Your use of our website and services constitutes explicit acceptance of our Terms and Conditions and Privacy Policy. We strive to provide excellent service and maximize the likelihood of approval of your banking application, depending on your eligibility. Please note that we cannot guarantee approval, as final decisions rest with the relevant authorities. Our responsibility lies in diligently completing the requested services on your behalf. Therefore, please note that no refunds will be provided in the event that a bank application is not approved. Thank you for your understanding.