This Changes of Terms Notice ("Agreement") is being provided to you (the “Client”) by Youth Financial Literacy Foundation, a 501 (c) 3 non-profit organization, as a provider of the United Credit Education Services, (the "Company" or “UCES” with a principal address of 37735 Enterprise Ct #600B, Farmington Hills, MI 48331 regarding the Company’s agreement to provide credit oriented services and the Client's agreement to pay for such services. This Agreement is to be effective as the date signed below by the Company (“Effective Date”).

Credit Repair Service:

  1. Pursuant to the Client’s direction, the Company will prepare the Client’s file and investigations/challenges will be plotted to include the items that Client has indicated to be reporting erroneously.
  2. The Company will create letters, or other applicable communications addressed to the Client’s three major reporting agencies in an attempt to correct or remove errors and other items appearing on the Client’s credit reports, which the Client indicates to be reporting inaccurately.
  3. Pursuant to the Client’s direction that specific inaccurate items may be appearing on their credit report, the Company will prepare individual investigations and/or challenges, as described above, to each of the three major credit reporting agencies (Experian, Trans Union, and Equifax) for the Client to directly send to such credit reporting agencies.
  4. The Company will continually receive and process updates from the Client relating to the responses the Client has received from the credit reporting agencies relating to the above referenced challenges. If needed, and pursuant to the Client’s direction that specific inaccurate items may be appearing on their credit report, the Company will prepare follow up individual investigations and/or challenges to each of the three major credit reporting agencies (Experian, Trans Union, and Equifax) for the Client to send.
  5. The Company will provide the Client with the ability to create a strategic budgeting plan in order for the Client to meet their general goals and their goals to obtain or maintain their best possible credit rating. The Company will regularly follow up with the Client regarding their budgeting plan.
  6. The Company will provide the Client with extensive information relating to the maintenance of their credit rating including information on how to maintain good credit and what to do if their credit rating is impacted negatively.
  7. The Company will provide the Client with the ability to access a simple and innovative way to view their credit report and use action buttons to quickly resolve credit problems.
  8. The Company will provide the Client with the ability to better understand credit reporting procedures and the negative impact of a low credit score, as it relates to decision-making processes commonly used by lenders.
  9. The Company will provide the Client with the ability to monitor their credit reports in order to ascertain if any entries have occurred effecting their credit rating(s). Regular follow-ups will be sent to the Client regarding this portion of the credit repair services.
  10. The Company will provide the Client with extensive information relating to how they may strategically pay the full balance of their debts off as quickly as possible.

Service Fees due only after the completion of the services listed above, as needed, by the Client.

The Company will also charge a fee of $9.00 after it provides the Credit Repair Services listed above, as needed, to the Client on a monthly basis.

Client’s Responsibilities and Obligations:

  1. Should the Client wish to utilize the Company services, as such relates to the Company’s preparation of correspondence responsive to correspondence received by the Client from the credit reporting agencies, the Client agrees to forward such correspondence from the credit reporting agencies to the Company immediately.
  2. Client agrees to maintain on-time monthly payments of any current credit obligations (nothing 30 days or more past due), not allow new collections, Judgments, Tax Liens, etc. Failure to maintain those payments will likely result in severe damage to any updates made to Client’s credit by Company.
  3. Client agrees to contact Company with any questions regarding their credit.
  4. Client agrees to payment terms and conditions set forth in this Agreement regarding billing procedures and further agrees to maintain prompt payment of any fees due company.
  5. Client understands that all fees that arise from Company’s credit repair process are due on schedule and after the given work has been completed by the Company for the Client.
    COMPANY MAY TERMINATE THIS AGREEMENT IF OPEN BALANCE DUE COMPANY IS NOT PAID WITHIN A TIMELY MANNER.
  6. The term of this Agreement is for a maximum of 6 months from when the services are initiated.
  7. The Company's services are estimated to be provided through [DATE 6 MONTHS FROM THE DATE OF EXECUTION OF CONTRACT]. As such, the Client will pay a maximum total of $54.00. Client can cancel at any time, without any further obligation from the Client upon his or her cancellation date.
  8. Approximately four (4) weeks prior to the conclusion of this Agreement, and any subsequent renewed terms, the Company will email the Client asking if they wish to continue with the Company’s services for an additional six (6) month term. Should the Client indicate that they wish to continue with the Company services, the Company will continue to provide its services for an additional six (6) months pursuant to the terms of this Agreement; albeit an additional Credit Audit Services fee will not be charged to the Client

Disclosures which apply to all services rendered by Company:

  1. Client understands credit repair and restoration is not a quick fix, and Company has not provided any specific promise or guarantee of time frame for updates on any given item of information.
  2. The Company will not assist in removing any derogatory information (defined as accurate negative information appearing on a Client’s credit report that actually belongs there), nor will the Company assist Client on improving Client’s credit rating. Instead, as a Credit Repair Organization Act compliant credit repair organization, the Company exclusively assists its Clients in removing or correcting inaccurate information appearing on their credit reports.
  3. The Company will not charge the Client any fees in advance for any services under this Agreement.
  4. Client acknowledges that Company does not guarantee Client will receive any type of financing or additional benefits as a result of Company’s services.
  5. Client understands that the addition of new derogatory information will negatively impact the results of Company’s services. Client also understands that Company will only assist the Client in attempting to remove inaccurate reported information from the credit reporting agencies, as allowed by federal law, and understands that the Company makes no claim beyond those changes allowed by state and federal law. This includes, but may not be limited to, inquiries, addresses, aliases, creditor accounts, and personal information.
  6. Client acknowledges that the Company must discontinue services on any item(s) that are fully validated by the reporting source, and confirmed to be verified by the reporting agencies.
  7. Client acknowledges that accurate information appearing on the Client’s credit report cannot be removed from Client’s credit report.
  8. Client acknowledges they have received a copy of company’s privacy policy, and a copy of the required disclosures prior to signing this agreement.
  9. Company will not charge the Client in advance of providing the Client with any services under this Agreement.
  10. Client acknowledges that Company retains the option of utilizing third party entities to provide its services to the Client.

Electronic Communication/Use of SMS Text, Pre-Recorded Messages and Use of Auto-Dialer

Client agrees, unless specifically requested otherwise, that by entering into transactions with Company, Client affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from Company and to also send information in an electronic format unless previously agreed upon in writing with Company. Client has a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. Client’s consent may be withdrawn at any time upon Company’s receipt of such withdrawal. However Client’s withdrawal of Client’s consent to conduct business electronically can only occur if applicable law specifically requires Company to provide a paper copy of electronic documents. Withdrawal of consent will slow the speed at which Company can complete certain steps in transactions with Client and delivering services to Client. To inform us that Client either withdraws Client’s consent to receive future notices and disclosures in electronic format, would like to receive paper copies, or to update your information Client may send to: UCES, 37735 Enterprise Ct #600B, Farmington Hills, MI 48331. Client acknowledges and agrees that the internet is considered inherently insecure. Therefore, Client agrees that Company has no liability to Client whatsoever for any loss, claim, or damages arising or in any way related to Company’s responses to any electronic communication, upon which Company has in good faith relied. Client also agrees that Company may contact Client on any telephone numbers provided by Client upon their enrollment for services via the use of an auto-dialer, SMS text, or by using a pre-recorded message. Client understands that this consent does not require Client to make any purchase and that Company may contact Client irrespective of whether the Client’s telephone numbers appear on any state or federal “Do Not Call” lists.

Binding Arbitration Agreement

This section, as it pertains to dispute resolution procedures, will override any sections of the agreement that appear contrary or which appear to give the Client the right to sue the Company. In the event of any controversy, claim or dispute between the parties arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by mandatory, binding arbitration. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not any attorneys’ fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury or to use the court system except to enforce this section. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.

You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the Effective Date of this agreement. See the attached notice of cancellation form for an explanation of this right.

NOTICE OF CANCELLATION

Complete This Section Only if Cancelling the Agreement

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day after the Effective Date.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to: UCES,37735 Enterprise Ct #600B, Farmington Hills, MI 48331 before midnight on enter date three days from the Enrollment Date.

Date

Purchaser's Signature

Purchaser's Printed Name

NOTICE OF CANCELLATION

Complete This Section Only if Cancelling the Agreement

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day after the Effective Date.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to: UCES,37735 Enterprise Ct #600B, Farmington Hills, MI 48331 before midnight on enter date three days from the Enrollment Date.

Date

Purchaser's Signature

Purchaser's Printed Name

PRIVACY POLICY of UNITED CREDIT EDUCATION SERVICES

WHAT DOES UNITED CREDIT EDUCATION SERVICES DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Please read this notice carefully to understand what we do.

  1. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Specific product or service needs, Social Security Numbers, Credit Profile, Address & Payment Information
  2. All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons chooses to share; and whether you can limit this sharing
Reasons we can share your info Do we share your info? Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes, we may share your info with necessary parties to help facilitate the products and services that you have contracted for. No
For our marketing purposes— to offer our products and services to you We may share your information with vendors that assist us in offering various opportunities to you. Yes, you can opt out of receiving any marketing from us for any products other than the products or service you have contracted for.
For joint marketing with other financial companies We may share your information with other financial and non-financial entities Yes, you can opt out of any non-essential sharing with third parties.
For our affiliates’ everyday business purposes— information about your transactions and experiences Yes, we may share your info with affiliated parties to help facilitate your goals Yes, you can opt out of any non-essential sharing with third parties.

To limit our sharing of information or for ANY Questions: Call us at (248) 848-9065.

Please note if you are a new customer we can begin sharing your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However you can contact us at any time to limit our sharing.

How does United Credit Education Services protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted storage of all personal information, data security and breach protocols and secured files and buildings. All employees are trained and monitored on privacy and security protocols, we monitor all offices with cameras, and protect them with monitored alarm systems, we additionally destroy all physical documents after they are no longer needed, and keep electronic copies of them in a secure encrypted environment.

How do we collect your personal information?

We collect your personal information from any and all interactions that you have on our websites, we portals, email communications, telephonic communications, mail services and face to face interactions.

Information for Vermont, California and Nevada Customers:

In response to a Vermont regulation, we automatically treat customers with Vermont billing addresses as if they requested us not to share your information with nonaffiliated third parties, and that we limit the information we share with any affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you. In response to a California law, we will automatically treat individuals with a California billing addresses as if they had requested us not to share their information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us. Residents of the State of California may request a list of all third-parties to which we have disclosed certain information during the preceding year for those third-parties' direct marketing purposes. If you are a California resident and want such a list, please contact us at UCES, 37735 Enterprise Ct #600B, Farmington Hills, MI 48331 or contact us at the telephone number listed above. In response to Nevada law, we are providing you this notice. You may be placed on our internal Do Not Call List by contacting us at the address set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us.

Why can’t I limit all sharing?

Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services and or delivery of contracted products.

What happens when I limit my sharing for an account I hold jointly with someone else?

We limit sharing for both individuals to ensure protection of your wishes.

Definitions:

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.

Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.