Terms and Conditions

- A *one-time payment fee* is required for all service packages and must be paid in full before activation.  

- The *Personal Credit Improvement Program* will commence only after all required documents and information have been submitted.  

- *Unused sessions* in the Personal Credit Improvement Program are *non-refundable* and *non-transferable* under any circumstances.  

- *Unused sessions* will remain credited to the client’s account *without expiration* for future use.  

- The *one-time payment fee* for the service package *does not include* the required *monthly subscription* for a credit monitoring site.  

- Results from the *Personal Credit Improvement Program* may vary based on an individual’s *credit profile and activity* within a *30-day period*.

Account & Payment Notifications

• Payment confirmations and receipts
• Reminders for upcoming or overdue payments
• Subscription renewal notices
• Account status updates

Service & Program Updates

• Confirmation of service activation
• Notifications about submitted documents or pending requirements
• Updates on Personal Credit Improvement Program progress
• Alerts regarding unused sessions

Support & Assistance

• Responses to user inquiries
• Guidance on using the service
• Troubleshooting assistance

Promotional & Marketing Messages (if opted in)

• Special offers and discounts
• New service announcements
• Referral program updates

Compliance & Security Alerts

• Privacy policy or terms of service updates
• Security-related notifications (e.g., suspicious login attempts)