Royal Ruby provides educational content about credit, personal finance, and wealth-building. We are not a credit repair company, a law firm, a financial advisor, or a lender. Nothing on this site is legal, tax, or financial advice. For advice specific to your situation, consult a licensed professional.
You have the right to dispute inaccurate information on your credit reports for free under the Fair Credit Reporting Act (15 USC §1681i). You do not need to pay anyone — including Royal Ruby — to exercise this right.
Digital products are non-refundable because delivery is immediate. If our product is materially defective (e.g., broken download link, file won't open), email jadedfocus@gmail.com within 7 days and we'll make it right — either a fix or a refund.
All content on this site and in our products is copyright Royal Ruby LLC. You may use it for your own personal financial journey. You may not resell, redistribute, or use it as part of a paid course without written permission.
Royal Ruby makes no guarantee about the results you will achieve. Credit scores depend on factors outside of our control. We disclaim all warranties to the maximum extent permitted by law.
These terms are governed by the laws of the State of Louisiana, USA. Disputes will be resolved through binding arbitration.
Questions? Email jadedfocus@gmail.com.