Service Agreement

1. Purpose, Authorization, and Scope of Services

The purpose of this Agreement is for you to engage Company to assist in matters related to your consumer credit file ("Credit Services"), including Credit Monitoring, Third-Party Offers, and where applicable, assisting in the Challenging of Disputed Items on your Credit Report.

In accordance with the Fair Credit Reporting Act (FCRA) and other applicable law, you hereby authorize and instruct Company and its affiliates to obtain your Credit Report(s) and related information from one or more third parties such as Credit Bureaus, for the purpose of providing Credit Services, including, but not limited to delivering prequalified Third-Party Offers.

You understand your instructions let Company and its affiliates obtain such information and use it for the purpose of providing Credit Services for as long as you have a registered account with Company as described in the Terms of Use. You may revoke these instructions by cancelling this Agreement as set forth in Section 17 below. Company will provide you with access to your Credit Report and other information about your credit profile, including any Disputed Items, on Company's member portal, which you can access 24 hours a day.

2. Charges for Services (Paid Credit Services Subscriptions Only)

If you are enrolling in a Credit Services subscription for which you are charged a fee, then the provisions of this Section 2 apply to You. Depending on which payment method you have selected, fees will either be charged to your credit or debit card, drafted from your bank account, or drawn from another payment method.

You authorize Company to substitute additional payment methods provided by you in the event any fee or charge authorized by this Agreement is not honored upon first presentment by Company. You grant Company permission to withdraw any fee or charge authorized by this Agreement from your credit or debit card or bank account and to verify your account information.

Charges for monthly paid subscriptions will be processed on or about the same day of each month until you elect to cancel service. For example, if a fee for services was charged on the seventh of the month and you choose to continue for another month, the fee for that month will be charged on or about the seventh of the following month.

3. Optional Credit Dispute Services

You may engage Company to provide Credit Dispute Services if you inform Company of any Disputed Items on your Credit Report by making corresponding selections on Company's member portal. If you do so, then the provisions of this Section 3 apply to You.

Company will create, manage, send, and maintain Dispute Letters on your behalf to one or more Credit Bureaus based on information provided to Company by you, and Company will continuously track, review, and analyze your case. For each round of Credit Dispute Services, Company will modify and prepare the Dispute Letters based upon the results from the Credit Bureaus.

3.1. Dispute Letter Delivery

Company will collect information from your Credit Report and, based on the information provided by you and the selections you made on Company's member portal, will draft and send Dispute Letters on your behalf. Company will send your Dispute Letters along with, if necessary, your Identity Verification Documents, to one or more of the Credit Bureaus. Each Dispute Letter will be sent in your name and on your behalf.

3.2. Continued Delivery

Company will send Dispute Letters at monthly intervals to one or more of the Credit Bureaus until the applicable disputed items are resolved or verified as accurate.

3.3. Information Provided by You

Prior to sending the Dispute Letters, Company may contact you via email, telephone, text message, online alert, in-app notification, and/or ringless voicemail to request more information, including, but not limited to additional documents, recent developments, or any other data beneficial to the credit repair process. You are encouraged to provide as much information as possible to help clarify your disputes.

3.4. Updates to You

Company will provide you with Dispute Correspondence updates through its online tracking system. You are responsible for regularly checking the member portal for updates and communications.

4. Member Obligations

You must cooperate and comply with the terms of this Agreement to achieve favorable outcomes. You must provide accurate and complete information to allow a fair review of your credit history and must not make any false or misleading statements regarding your creditworthiness or disputes.

4.1. Providing Identity Verification Documents

If requested, you must provide the Company with Identity Verification Documents within 3 calendar days.

4.2. Continued Payment of Debt

This Agreement does not authorize or encourage you to stop paying your creditors.

4.3. Change of Information

You must provide accurate contact information and notify the Company immediately in writing of any changes to your address or phone number.

4.4. Confidentiality

You may gain access to confidential business information. You agree not to use, disclose, or share this information without prior written consent from the Company.

5. Disclosure to Third Parties

Data sharing with third parties is essential to Company's business model, allowing Company to offer Credit Services at competitive prices or even at no cost. By leveraging user data, Company can better target its advertising, reduce marketing costs and provide more affordable services to you. This also allows Company to present more relevant offers for related products and services, potentially saving you money or giving access to valuable financial tools.

Company may forward your information to third party affiliates, vendors, contractors, and partners in accordance with its Privacy Policy and Terms of Use. Regardless of any selection of Cookie Settings on Company's website, you grant Company permission to share your information with third parties—either directly or through automatic data collection technologies—for purposes such as advertising optimization and legitimate business needs. If you do not wish this to occur, you may opt out by canceling your enrollment or subscription, as stated in Section 17.

6. Designation of Agency

You hereby grant Company the right to obtain your Credit Report and engage in communication with Credit Bureaus on your behalf.

7. Governing Law and Jurisdiction

This Agreement is governed by the laws of your state of residence, as applied to agreements made and performed entirely within that state.

8. Dispute Resolution

1. Before starting formal dispute resolution, both Parties agree to try in good faith to resolve the issue through mediation.
2. The initiating Party ("Claimant") must send a Demand to Mediate Letter via certified mail or personal delivery, specifying the dispute and desired resolution.
3. The Respondent then has 30 days to respond in writing, agreeing to mediate or stating reasons for refusal.
4. If mediation is agreed upon, both Parties must attempt to select a mutually acceptable mediator within 30 days. If they cannot agree, a mediator may be appointed by a mediation service.
5. Each Party will participate in mediation sessions at a mutually convenient time and location and will pay their own costs.
6. If mediation fails, either Party may initiate arbitration proceedings as the exclusive remedy for resolving the dispute.
7. Binding Arbitration Clause: By accepting this Agreement, you agree that:
   • All claims related to this Agreement (past, present, or future) will be settled via binding arbitration, not court.
   • You waive rights to (a) trial by jury, (b) class actions, and (c) bringing action in a court of law.
   • Arbitration will follow Consumer Arbitration Rules of the American Arbitration Association, be confidential, and result in a written decision including legal rationale.
   • The decision will include reimbursement of legal fees to the prevailing party.
   • The arbitrator's decision will be final, binding, and enforceable in court.
8. Despite this, either Party may still seek injunctive or equitable relief from a court to prevent irreparable harm.
9. Notwithstanding the foregoing, either Party may seek injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of the mediation or arbitration process. The mediation and arbitration provisions of this Agreement are a condition precedent to the institution of any injunctive or equitable relief action.
10. The mediation provisions of this Agreement are a condition precedent to the institution of any legal action or proceeding arising out of or relating to this Agreement. If any party:
    • (a) commences an action or arbitration without first attempting to resolve the matter through mediation, or
    • (b) refuses to mediate after a request has been made,
    then that party shall not be entitled to recover attorney fees, even if they would otherwise be available to that party in any such action.
11. This Section 8 shall survive termination or expiration of this Agreement.

9. No Legal Advice or Services Provided

Company is prohibited from engaging in the practice of law or from providing legal advice to you. Such services are permitted only by licensed, practicing attorneys. Company accepts no liability, nor responsibility for any damage or loss caused by your use or misuse of the information provided.

10. Retention of Contract

Unless a longer time period is prescribed by your state's applicable law, Company shall maintain on file, for a period of no less than two (2) years after the date this Agreement is accepted, an exact copy of this Agreement, including records of your receipt and acceptance thereof.

11. Notices

Any notices required or permitted by this Agreement shall be deemed given if sent by certified mail, postage prepaid, email, fax, return receipt requested, or by recognized overnight delivery service.

If to Company:

5425 Carpenter Street, Downers Grove, IL 60515

(or at such new address of which you may be notified), or if to you, at the address you provided.

12. Communications

You grant Company express consent and permission to contact you through the use of:

• an automatic telephone dialing system,
• automated or prerecorded messages,
• SMS messages,
• in-app notifications, or
• email messages.

These communications may include:

• information about Company's services,
• other products or offers, and
• news from Company or its licensees or selected commercial partners.

13. Release from Liability

You hereby expressly waive any claims, and will release, indemnify and hold Company, its affiliates and their respective agents, employees and/or assigns, harmless for any and all claims (including reasonable attorneys' fees) or causes of action which arise out of the performance of the services hereunder, and your sole legal right or claim for damages against Company, its affiliates or any of their respective agents, employees or contractors will be to arbitrate your claims pursuant to Section 8 of this agreement.

14. Severability

If any provision of this Agreement is held to be invalid, then the remaining provisions shall nevertheless remain in full force and effect.

15. Legal Expenses

Each party shall be responsible for his, her, or its own legal expenses, which includes attorneys' fees and costs. Notwithstanding the foregoing, for members in certain states under the prevailing law of such states, the court or arbitrator may have discretion to determine responsibility for costs.

16. Privacy Policy and General Terms of Use

Company may use your personal information to the extent necessary for Company to provide services hereunder and as allowed by Company's Privacy Policy and Terms of Use. By assenting to the terms of this Agreement, you also agree to be bound by the terms of Company's Privacy Policy and Terms of Use; however, the provisions in this Agreement shall control with respect to any conflicting provision(s) found between this Agreement and the Privacy Policy and Terms of Use.

17. Term and Cancellation

This Agreement has an initial term of one (1) month and continues from month to month unless you have subscribed to a subscription with lengthier terms. You are advised to review your situation at least each month and determine whether you wish to continue Company's services or cancel as of the renewal date of your subscription. You may suspend or cancel this Agreement at any time in a number of ways, including:

1. sending Company a written request;
2. contacting Company via email, chat, or telephone; or
3. navigating to the subscription management section of Company's member portal.

Any fees that were charged prior to cancellation may not be refunded. Company reserves the right to cancel this Agreement at any time for any reason by providing notice to you, in which case services hereunder will terminate at the end of the subscription renewal date following the date of cancellation and no additional fees will be owed or collected. Once Company's services are canceled, you authorize Company to destroy your file in accordance with applicable law and Company's retention policy. You may request copies of your file for as long as is required by law.

18. Company Information

Company's principal place of business is located at 5425 Carpenter Street, Downers Grove, IL 60515.

19. Entire Agreement

This Agreement sets forth the entire agreement and understanding of the parties relating to the subject matter herein and supersedes any prior discussions or agreements between them. No modification of or amendment to this Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the parties, or where applicable, upon your acceptance via Company's member portal.

20. Definitions

In addition to the terms defined elsewhere in this Agreement or in any Exhibit or Schedule herein, when used in this Agreement, the following terms shall have the following meanings (such meanings shall be equally applicable to the singular and plural forms of the terms used, as the context requires):

• "Challenge" or "Challenging" shall include the drafting and sending of Dispute Letters to a Credit Bureau to dispute information which you identify as Inaccurate, Technically Accurate but Misleading, Incomplete, Outdated, or Unverifiable.
• "Communications" means written or electronic communications to Credit Bureaus.
• "Creditor" means a person, company, or entity to which you owe money and whose name appears in your Credit Report.
• "Credit Bureaus" means, collectively or individually, Experian, Equifax, and TransUnion.
• "Disputed Item" includes any item which you identify as Inaccurate, Technically Accurate but Misleading, Incomplete, Outdated, or Unverifiable on the date of the acceptance of this Agreement.
• "Dispute Letters" are letters or electronic equivalents thereof developed and created by Company to be sent on behalf of you to one or more of the Credit Bureaus. Each letter will be in your own name, sent on your behalf by Company.
• "Furnishers" means one or more credit report information furnishers (for example, creditors, debt collectors, and banks).
• "Inaccurate" is that information which you identify as incorrect, untrue, or erroneous.
• "Incomplete" is that information which you identify as not complete. This can mean information that is missing dates, amounts, or character of the debt.
• "Identity Verification Documents" includes a government-issued ID, a utility bill, or any other identification required.
• "Credit Monitoring" means the service by which Company may periodically request information from the Credit Bureaus related to your credit profile, including, but not limited to updated credit reports and scores, information regarding trade-line activity, inquiries, and any changes in your credit score, and make such information available to you via Company's member portal, which you can access 24 hours a day.
• "Credit Report" is a report containing detailed information on a person's credit history, including identifying information, credit accounts and loans, bankruptcies and late payments, and recent inquiries.
• "Dispute Correspondence" is correspondence sent to you by Company displaying the results of the Dispute Letters.
• "Identity Verification Documents" includes a copy of your driver's license, utility bill, W-2, tax returns, ID card, US passport, proof of your residence, or social security card.
• "Mail", "Mailing", "Send" "Sent" or "Sending" means the use of first-class U.S. Mail, Facsimile, Email, or other electronic transmittal to deliver Dispute Letters to one or more of the Credit Bureaus.
• "Outdated" is that information which you identify as being obsolete and not subject to further inclusion in your credit report.
• "Privacy Policy" is Company's privacy policy as it may change from time to time and posted here.
• "Technically Accurate but Misleading" is that information which you identify as correct but which contains questionable information about the date, amount, or character of the debt.
• "Third Party Offers" means offers for financial products and services from third-party providers.
• "Terms of Use" are Company's general website terms and conditions as they may change from time to time and posted here.
• "Unverifiable" is that information whose source or origin is not verifiable by the creditor.