The following is an agreement between yourself (“you”) and Three Creeks Media, LLC (“we”, “us”). By using this website or our mobile application (“the Website”) or our Services (defined below) and accessing any of the contents contained in it, you agree to be bound by the following terms and conditions. If you disagree with any of the Terms and Conditions of Use below, please navigate away from the Website or our Services. These terms function closely with our Privacy Policy, so please review those too. This Website is offered and available to users who are 18 years of age or older, and reside in the United States or any of its territories or possessions.
1. Our Services
1.1 When we refer to our “Services,” we mean all products and services owned and operated by Three Creeks Media, LLC including the content, features, tools, data, software and functions made available by Three Creeks Media, LLC through www.themilitarywallet.com, our mobile applications, and other websites or applications we operate, unless those websites or applications have posted separate or additional terms of service.
2. Limitations and Restrictions on Use of Our Services
2.1 Not a Legal or Professional Advisor. Three Creeks Media, LLC is not a credit repair organization, credit counselor, or financial or legal advisor, or any similar enterprise as those may be defined under federal or state law. Use of our Services is not a replacement for personal, professional advice or assistance regarding your finances, credit history, or fixing your credit rating. We make no guarantees to you on credit improvement or performance. You control if, when and how you use the Services and information we provide. You may deactivate your membership at any time without penalty or obligation.
2.2 Reliance on Information Provided. The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents. This Website may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by us, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Three Creeks Media, LLC. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
2.3 Geographic Restrictions. The owner of the Website is based in the State of Missouri in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
2.4 Links from the Website or our Services. If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
3. Prohibited Uses
3.1 You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website for:
- criminal or tortious activity, including fraud, trafficking in obscene material, gambling, harassment, stalking, spamming, copyright infringement, patent infringement, or theft of trade secrets;
- advertising to, or solicitation of, any user to buy or sell any products or services;
- transmitting chain letters or junk email to other users;
- using any information obtained from the website in order to contact, advertise to, solicit, or sell to any user without their prior explicit consent;
- engaging in any automated use of the system, such as using scripts to add friends or send comments or messages;
- interfering with, disrupting, or creating an undue burden on the website or the networks or Services connected to the website;
- attempting to impersonate another user or person;
- using the username of another user;
- selling or otherwise transferring your profile;
- using any information obtained from the Website in order to harass, abuse, or harm another person;
- displaying an advertisement, or accepting payment or anything of value from a third person in exchange for your performing any commercial activity on or through the Website on behalf of that person, such as posting blogs or bulletins with a commercial purpose; and
- using the Website in a manner inconsistent with any and all applicable laws and regulations.
4. Website Registration
4.1 In order to access some of the Services on this Website, you will be required to use an account that can be obtained by completing our online registration form, which requests certain information and data (“Registration Data”), and maintaining and updating your Registration Data as required. By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete, and accurate. You also grant us the right to disclose to third parties certain Registration Data about you. The information we obtain through your use of this site, including your Registration Data, is subject to our Privacy Policy which is specifically incorporated by reference into these Terms of Use.
4.2 By enrolling in the Credit Services, you expressly request and authorize Three Creeks Media, LLC, its service providers (including Array), and other parties acting on its behalf to obtain, access, retrieve, use, and monitor your consumer reports, credit scores, and related information from one or more consumer reporting agencies on a recurring basis, as permitted by the Fair Credit Reporting Act (“FCRA”). This authorization is provided solely to verify your identity, provide you with access to and display of your credit information, monitor your credit for changes, deliver credit-related alerts and notifications, support credit lock and unlock functionality, prevent fraud, and otherwise provide and administer the Credit Services requested by you.
4.3 You acknowledge that this authorization is provided through your affirmative acceptance of these Terms and that Three Creeks Media, LLC may capture, maintain, and retain records of your consent and authorization as required by applicable law and contractual obligations.
4.4 You further authorize Three Creeks Media, LLC to share your personal information and consumer report information with its service providers (including Array), consumer reporting agencies, and other authorized third-party data providers solely as necessary to provide, support, administer, and improve the Credit Services you have requested. This authorization will remain in effect until you revoke your consent or terminate your participation in the Credit Services, subject to applicable legal, regulatory, and contractual retention requirements.
5. Right to Terminate Users
5.1 Three Creeks Media, LLC reserves the right to terminate any user. WITHOUT LIMITING ANY OTHER PROVISION OF THIS AGREEMENT, THREE CREEKS MEDIA, LLC RESERVES THE RIGHT TO, IN COMPANY’S SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY DENY ACCESS TO AND USE OF THE WEBSITE TO, ANY PERSON FOR ANY REASON OR FOR NO REASON AT ALL, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY OR COVENANT CONTAINED IN THIS AGREEMENT, OR OF ANY APPLICABLE LAW OR REGULATION.
6. Basic Disclaimers
6.1 This website is provided to you by Three Creeks Media, LLC, 503 E. Nifong, #121 Columbia, MO 65201. Three Creeks Media strives to ensure the information contained on the website is accurate, although occasionally errors may occur. Three Creeks Media, LLC reserves the right to make changes and/or improvements to this website at any time. Further, THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES ARE PROVIDED ‘AS IS’ WITH NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. THREE CREEKS MEDIA, LLC, OR ANY OF ITS AFFILIATES, IS NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THE SITE.
7. Information About You and Your Visits to the Website
7.1 All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
8. Intellectual Property
8.1 The Website, the Services, and their entire contents, features, and functionality, including but not limited to all information, software, text, source code, calculations, products, data, functionality, displays, images, video, and audio, and the design, selection, and arrangement thereof (our “Content”) are owned by Three Creeks Media, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You are permitted to use our Content only on our Services and you may not copy, modify, sell, reproduce, distribute, republish, display, post, create derivative or collective works from, or transmit in any form (including in-line linking or mirroring) our Content, in whole or in part, without our express prior written consent. All notices of copyright infringement claims should be sent to [email protected].
9. Indemnity
9.1 You agree to indemnify Three Creeks Media, LLC and its’ affiliates from and against any and all liabilities, expense (including attorney’s fees) and damages arising out of any claims resulting from your use of this website, including without limitation any claims alleging facts that, if true, would constitute a breach by you of these Terms and Conditions of Use.
10. Choice of Law
10.1 You agree that the laws of the State of Missouri govern this contract and any claim or dispute that you may have against us, without regard to Missouri’s conflict of laws rules. You further agree that a court located in Boone County, Missouri will resolve any disputes or claims that you may have against us.
11. Dispute Resolution
11.1 Any claim, dispute, or cause of action arising out of the use of the Site shall be subject to arbitration under the commercial arbitration rules of the American Arbitration Association, in a proceeding held before one arbitrator as chosen by Three Creeks Media, LLC. The arbitration shall occur in Boone County, Missouri. Any claim, dispute, or cause of action shall be resolved in the arbitration proceeding and shall be binding on all parties. You, as the consumer, waive and forfeit any and all rights to any action in state or federal court to defend or assert your rights.
12. Disclaimer of Warranties
12.1 We provide This website “AS IS”, “WITH ALL FAULTS” and “AS AVAILABLE.” YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. Neither we nor our affiliates, licensors, or our Contributors make any express warranties or guarantees about the website, the Services, and its Content. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM IMPLIED AND EXPRESS WARRANTIES THAT THIS WEBSITE AND ITS CONTENT ARE MERCHANTABLE, OF SATISFACTORY QUALITY, ACCURATE, FIT FOR A PARTICULAR PURPOSE OR NEED, TIMELY, RELIABLE OR NON-INFRINGING. WE DO NOT GUARANTEE THE RESULTS THAT YOU MAY OBTAIN FROM YOUR USE OF THIS WEBSITE. WE DO NOT GUARANTEE THAT THIS WEBSITE WILL MEET YOUR REQUIREMENTS. WE DO NOT GUARANTEE THAT YOU WILL BE ABLE TO ACCESS OR USE THIS WEBSITE AT TIMES OR LOCATIONS OF YOUR CHOOSING. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY OUR REPRESENTATIVES SHALL CREATE A WARRANTY. YOU ACKNOWLEDGE THAT WE ARE SOLELY AN INTERMEDIARY (I) BETWEEN YOU AND ANY INFORMATION PROVIDERS ACTUALLY SUPPLYING YOUR CREDIT SCORES AND OTHER INFORMATION; AND (II) BETWEEN YOU AND OUR PARTNERS WHOSE OFFERS WE PRESENT. WE EXPRESSLY DISCLAIM ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN OUR CONTENT OR OUR SERVICES, INCLUDING THE INACCURACY OR INCOMPLETENESS OF ANY CREDIT SCORES, OFFERS OR OTHER INFORMATION, TOOLS OR ANALYSES AVAILABLE THROUGH OUR SERVICES OR OUR CONTENT.
13. Limitation of Liability
13.1 TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL OUR PARENT, OUR CONTRIBUTORS, OUR AFFILIATES OUR DISTRIBUTORS AND WE SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE OR OUR SERVICES. THESE EXCLUSIONS APPLY TO ANY CLAIMS FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, EVEN IF WE KNEW OR SHOULD HAVE KNOWN THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR AND OUR SUPPLIER’S LIABILITY IN SUCH STATE OR JURISDICTION SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
13.2 YOU AGREE, AND YOU WILL REQUIRE THAT ANY THIRD PARTY WHO INDIRECTLY USES THE CONTENT PROVIDED BY YOU (“THIRD PARTY USER”) TO AGREE, THAT IN NO EVENTT SHALL WE OR OUR CONTRIBUTORS BE LIABLE FOR THE RESULTS OF ANY THIRD PARTY USER’S USE OR RELIANCE UPON THIS WEBSITE, FOR ITS INABILITY OR FAILURE TO CONDUCT ITS BUSINESS, OR FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST DATA OR LOST PROFITS, WHETHER IN TORT (INCLUDING NEGLIGENCE), CONTRACT, STRICT LIABILITY, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE.
13.3 IN NO EVENTT SHALL OUR OR OUR CONTRIBUTORS CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS RELATING TO THE USE OF THE THIS WEBSITE SERVICES EXCEED THE TOTAL AMOUNT YOU PAID FOR THE PARTICULAR THIS WEBSITE SERVICE WITHIN AN IMMEDIATE TWELVE-MONTH PERIOD.
14. Complete Agreement
14.1 This Agreement and any supplemental terms, policies, rules and guidelines posted on this Website constitute the entire agreement between you and Three Creeks Media, LLC and supersede all previous written or oral agreements. If any part of this Agreement is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
15. Comments and Concerns
15.1 This Website is operated by Three Creeks Media, LLC.
15.2 All feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: [email protected]
Please Print and Retain a Copy of this Agreement for Your Records.
Three Creeks Media, LLC (Last Updated: June 1, 2026)