Legal
Last updated: June 1, 2026
Please read these terms carefully. By using Novum Kai WealthOS, you agree to these terms and acknowledge that all content is provided for educational purposes only.
Novum Kai WealthOS is an educational and informational platform. All content, tools, resources, scores, and guidance provided through this platform are for educational purposes only. Nothing on this platform constitutes: • Financial advice • Legal advice • Credit counseling • Tax advice • Investment advice Always consult a licensed financial professional, attorney, or credit counselor before making decisions about your credit, finances, or investments.
Important legal notice — please read carefully
Novum Kai is NOT a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., or under any similar state law. IMPORTANT NOTICE — Your Rights Under Federal Law: You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. There is no fee or charge for this service. For more information, contact: • Equifax: equifax.com | 1-800-685-1111 • Experian: experian.com | 1-888-397-3742 • TransUnion: transunion.com | 1-800-916-8800 • Consumer Financial Protection Bureau: consumerfinance.gov Any legitimate credit repair organization is prohibited by federal law (CROA) from charging or collecting any fee for its services before it has completed the services it has contracted to perform for you. Novum Kai does not offer credit repair services — we provide educational content and tools only.
Credit scores displayed within the Novum Kai platform are either: • Self-reported estimates entered by you during onboarding, or • Illustrative example figures used for educational demonstration purposes Novum Kai does not retrieve, access, or display your actual credit score from Equifax, Experian, TransUnion, or any other credit reporting agency. We are not affiliated with any credit bureau. For your actual credit score, visit annualcreditreport.com (free) or contact your bank or credit card provider.
Our digital products, including the Novum Kai Blueprint and the Credit Power Toolkit™, are educational resources only. Results mentioned in testimonials or marketing materials are not guaranteed and represent individual experiences. Purchase of any Novum Kai product does not: • Guarantee an improvement in your credit score • Guarantee approval for any loan or credit product • Create an attorney-client or financial advisor relationship • Constitute credit repair services under CROA The Credit Power Toolkit™ provides sample dispute letter templates and educational information about the credit dispute process. These templates are provided for informational purposes. You are responsible for reviewing and customising any letters before use.
Individual results using Novum Kai's platform, tools, and educational content will vary. Factors affecting credit scores and financial outcomes are complex and unique to each individual. Novum Kai makes no representation or guarantee that use of our platform will result in improved credit scores, loan approvals, or any specific financial outcome.
Our platform may link to third-party websites, services, or products (including Gumroad, MailerLite, and others). Novum Kai is not responsible for the content, privacy practices, or terms of any third-party services. Links do not constitute endorsement.
To the fullest extent permitted by law, Novum Kai, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this platform or reliance on any information provided herein.
We reserve the right to update these terms at any time. The "Last Updated" date will reflect any changes. Continued use of the platform following an update constitutes acceptance of the revised terms.
For questions about these terms or your rights, contact us at: Novum Kai Email: admin@novumkai.com Website: novumkai.com