Refund Policy + Terms of Service

Last Updated: August 17, 2026

Because Florida law (Fla. Stat. § 817.7005) and federal CROA regulations strictly prohibit advance fees, our payment architecture operates completely in arrears. This means you are only ever charged after specific dispute actions, audits, or monthly service windows have been fully executed by our team.

You have an unconditional right to cancel your service agreement within five (5) calendar days of execution without any penalty or obligation. If you exercise this right and a payment was somehow cleared or processed within those five days, a full 100% refund will be automatically returned to your funding source within ten (10) business days.

Following the initial 5-day window, you may cancel your ongoing service subscription at any time by providing written notice at least five (5) business days prior to your next scheduled billing date. Because fees are collected in arrears for work already completed during the prior cycle, historical charges for services rendered are non-refundable.

If we fail to draft and transmit a scheduled round of dispute letters or perform our monthly credit monitoring audit as contractually promised during a billing cycle, we will issue a 100% refund for that specific billing period's monthly service fee. To request a service audit, you must contact [Your Support Email Address] with your case number.

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Last Updated: August 17, 2026

By accessing our website, creating an online account, or subscribing to our services, you agree to be bound by these Terms of Service. These Terms supplement, but do not replace, your signed Credit Services Agreement.

To utilize our services, you must be a legal resident of the United States, at least 18 years of age, and possess a valid Social Security Number. As a condition of service, Client agrees to:

• Maintain an active, uninterrupted subscription to an approved third-party credit monitoring service throughout the contract duration.
• Forward all correspondence, letters, responses, or updated credit reports received from credit bureaus or creditors to us within five (5) days of receipt.

In compliance with the federal Credit Repair Organizations Act (CROA):

• We make no guarantees, promises, or expressions of warranty regarding specific credit score increases or the definitive removal of any specific credit profile item.
• We cannot and will not attempt to remove accurate, current, and verifiable items from a credit report, as doing so violates federal law.
• Any text, tips, or blogs provided on our website constitute educational information and do not constitute formal legal or financial advice.

These Terms of Service and your business relationship with us are governed strictly by the laws of the State of Florida, without regard to conflict of law principles. Any legal disputes, claims, or controversies arising from our services must be handled exclusively within the state or federal courts located in [Orange County], Florida.