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”).
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 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 Client’s consent may be withdrawn at any time upon Company’s receipt of such withdrawal.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.
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 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
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.
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.
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.
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.
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.
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.
We limit sharing for both individuals to ensure protection of your wishes.
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.