TERMS & CONDITIONS
Section 1. Credit Edge Solutions LLC. Responsibilities.
1.1 Services: Shall request, on behalf of CLIENT(S) , any or all credit reports of CLIENT(S) on record with Equifax, Experian and TransUnion (hereinafter "Credit Bureaus") and upon obtaining such report(s), build a private profile to host the credit information for the CLIENT(S) 1) Shall Provide CLIENT(S) with a credit analysis to help CLIENT(S) to better understand their credit data. 2) Shall provide CLIENT(S) a budget and financial plan hosted inside their private secured Member Section. 3) Hosted inside the CLIENT(S) private Member Section are Credit and Financial Education material, a Target Score and Money Simulator, as well as Credit Tools designed for the CLIENT(S) to assist them in managing their credit and finances. 4) CLIENT(S) Shall have 24/7 access to their Member Section and notification alerts.
1.2 Acknowledgement: CLIENT(S) is (are) aware that they have the right according to the FCRA (Fair Credit Reporting Act) to have a complete and accurate credit report that will highlight where most errors occur on the hosted credit file.
1.3 Accurate Information : Follow recommendations to use in the client account comment section to provide detailed information on each credit report.
1.4 Lawful Information: CLIENT(S) to stay away from using any other credit repair companies during the time of CES LLC credit investigation period.
1.5 Timing: Any and all legally recognized delays notwithstanding, will process its initial assessment within three (3) business days of the date of execution of this Agreement by CLIENT(S), and is generally able to complete the update and validation process.
1.6 No Guarantee on Credit Data: That the credit data from the credit reporting agencies will be completely correct during the update and hosting process nor guarantee financing will be provided.
Section 2. Responsibilities and Acknowledgements CLIENT(S)
2.1 CLIENT(S) hereby acknowledge(s) that:
a. Has (Have) received, read and understand the copy of the Consumer Credit File Rights.; b. Give permission to obtain credit reports on their behalf to start the credit hosting and validation process. c. Any and all results obtained by CES LLC. in its effort to host an accurate credit record or history shall be contingent upon a number of factors, including but not limited to, (1) amounts owing to creditors of CLIENT(S); and (2) the Credit Bureaus' ability to verify information provided during the validation process; d. A credit review, credit analysis, and provide CLIENT(S) with a recommended plan of action. Banking account on file will be charged as services will be rendered at that time.
e. CLIENT(S) will give lenders, mortgage brokers, manufactured home dealers, auto dealers, and anyone else who has obtained their credit file permission to share reports with CES LLC.
f. CLIENT(S) give CES LLC. permission to pull any or all of CLIENT(S) report(s) to host information in private portal of Members dashboard.
g. Credit Edge Solutions LLC. will not collect any money from CLIENT(S) to pay any outstanding debt. h. CLIENT(S) give permission to furnish their name, social security number, date of birth, current and previous addresses, e-mail address and phone numbers for the purpose of enrolling in Credit Edge Solutions LLC. - Proper Credit Management Service.
2.2 CLIENT(S) hereby accept(s) responsibility for and agree(s):
a. Log into Members Section to the credit file and add client statements and/or client comments on each account hosted to help with the updating and monitor process.
b. Log into Members Section to upload or email any documents received from the creditors, collectors, and credit bureaus.
c. Complete the Financial budget analysis inside your Members Section so that a financial analysis can be completed.
d. Not to apply for any type of credit unless recommended to establish any new account(s) during the time the account is under credit investigation.
Section 3. Funds Due.
3.1 Payment: The amount promised under this Agreement will be paid in accordance to the Payment Schedule. (See last page of Agreement.) Payments shall begin with the enrollment fee, and shall continue until all scheduled payments are completed.
3.2 CES LLC.will host your secure Members Section, do a credit review & analysis and provide a recommended plan of action. Once these services have been rendered, your account will be deducted as agreed.
3.3 CES LLC. does not charge an additional fee for credit report updates for the term of this agreement.
3.4 CES LLC. will start the verification process concerning the inaccurate or obsolete information found on your credit report at no additional charge.
3.5 The CLIENT(S) have agreed to the terms of the monthly payment plan and are required to make payments on time as agreed and scheduled below. All payments will be paid to Credit Edge Solutions West, LLC.
Section 4. Cancellation: The CLIENT(S) may cancel this contract, without any penalty or obligation, within 3 days of the date the contract is signed. The request and or refund must be received via email to or by mailing a signed and dated letter to Credit Edge Solutions LLC. Attention: Customer Service 441 Poni Street, Wailuku. Hi. 96793.. Upon cancellation, the most recent month payment made by you under this contract will be refunded within 10 business days following receipt by the seller of your cancellation notice.
4.1 Refund Policy CLIENT(S) can cancel the services at anytime. You will be refunded for the last charge you incurred within the past 30 days.. We have now developed a new and improved easy three step refund policy.
The steps are as follows: 1. Contact us via preferred method of communication letting us know your concerns and reason for requesting your refund 2. Allow up to 10 business days to process refund of payment. 3. Confirmation of the refund transaction will be sent in the way that it was received.
Section 5. General Provisions: In the event of any conflict between any provisions in the preceding Sections of this Agreement and the following provisions, the following shall control:
5.1 Postal Notice: All notices, requests, demands and other communications required or permitted hereunder shall be in writing and shall be deemed to have been duly given, if delivered personally, mailed, first class postage prepaid, to the parties at their respective last known addresses.
5.2 Consent: CLIENT(S) hereby grants CES LLC. consent to call you on your cellular/mobile telephone with regard to this agreement. You further agree and consent to us using auto-dialers and pre-recorded messages in connection with any telephone calls we make to you, including, but not limited to, landlines and cellular/mobile telephones. You understand and agree if we call your cellular/mobile telephone, depending on the type of plan or program you have with your telecommunication provider, you may incur a cost or charge from such telephone call. You understand and agree that we may obtain telephone numbers for you including, but not limited to, landlines and cellular/mobile directly from you or another source.
5.3 Entire Agreement: This Agreement supersedes any and all prior agreements, either oral or in writing, and sets forth the entire understanding between the parties hereto with respect to the subject matter hereof Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any party, which are not embodied herein, and that no other agreement concerning the same subject matter shall be valid or binding. Any modification of this Agreement will be effective only if it is in writing and executed by the parties of said Client and/or staff from Credit Edge Solutions LLC only.
5.4 Arbitration: Any dispute, controversy or claim of any kind or nature which has arisen or may arise between the parties (including any dispute, controversy or claim relating to the validity of this arbitration clause), whether arising out of past, present or future dealings between the parties, shall be governed by the Federal Arbitration Act and shall be settled by arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association, and judgement upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof Such arbitration proceedings shall be held at the principal place of business or at such other location as shall be designated by Credit Edge Solutions LLC. and shall be heard by an arbitrator who is either a practicing attorney who has conducted more than three (3) such proceedings during the preceding five (5) years or a retired judge. Without limiting the generality of the foregoing, it is the intention of the parties to resolve by binding arbitration as provided herein, all past, present and future disputes, whether in tort, contract, or otherwise, concerning or related to results of credit update disputes to credit bureaus; any adverse actions taken by creditors or collection agencies; any fault of CLIENT(S) by not following through with this Agreement; the validity of this Agreement; and any other dealings, business or otherwise, between the parties.
5.5 Time is of the Essence: Time is of the essence under this Agreement.
5.6 Titles and Headings: All articles, sections, paragraphs, or captions contained in this Agreement are for convenience only and shall not be deemed to be a part of this Agreement.
5.7 Pronouns, Singulars and Plurals: All pronouns, singulars, plurals and any variations thereof shall be deemed to refer to the masculine, feminine, neuter, singular or plural as the identity of the person or persons may require.
5.8 Counterparts: This Agreement may be executed in any number of counterparts, each of which shall be deemed to be an original and all of which shall constitute together the same Agreement.
5.9 Severability: The provisions of this Agreement shall be deemed severable and, if any provision in the Agreement is held by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions shall nevertheless continue in full force and be binding on the parties.
5.10 Waiver: Failure by either party at any time to require performance by the other party or to claim a breach of any provision of this Agreement will not be construed as a waiver of any right accruing under this Agreement nor affect any subsequent breach, nor affect the effectiveness of this Agreement or any part hereof, nor prejudice either party as regards any subsequent actions. All rights and remedies provided for herein are cumulative.
5.11 Effective Date; Binding Effect: It is expressly understood and agreed that this Agreement shall be and become effective as of the first above-written date, for all intents and purposes now or hereinafter arising, and shall thereafter inure to the benefit of and bind the parties hereto and their respective heirs, executors, administrators, agents, representatives, assigns, successors and affiliates.
5.12 Indemnity: Client(s) agrees to indemnify, defend and hold harmless, CES LLC.from and against all claims, demands, threats, suits, proceedings, losses, costs, expenses, or damages (including reasonable attorney's fees) actually and reasonably incurred by the party seeking indemnification that result from or in connection with any threatened to be, arising from or related to services that are the subject of this agreement.