The specific services, guarantees, payment terms, time frame, and total cost are outlined in the client disclosure statement incorporated herein. NOW, in consideration of the mutual promises contained herein, the parties agree as follows:
Conflict of Interest Client warrants to Company that it does not currently represent or promote any lines or products that compete with the Company Products, they are not presently a client of any other Credit Repair company, nor have they been a client of another credit repair company in the last six (6) months.
Indemnification by Client
Client shall indemnify and hold Company free and harmless from any claims, damages, or lawsuits (including reasonable attorneys' fees) arising out of negligence or malfeasant acts of the Client.
Indemnification by Company
Company shall indemnify and hold Client free and harmless from any claims, damages or lawsuits (including reasonable attorneys' fees) arising out of the failure of Company to provide reasonable credit score increase within the allotted term.
Affiliate Service Provider
While it is not the current policy of Credit Honor to use an affiliate service provider, the Company can fulfill the credit services through a credit services processor or affiliate to serve you best.
Terms and Termination
a. Term. This Agreement shall continue as outlined in "Exhibit A" unless terminated by Company or Client as provided herein. b. Termination for Cause. If either party defaults in the performance of any material obligation in this Agreement, then the non-defaulting party may give written or electronic notice to the defaulting party, and if the default is not cured within thirty (30) days following such announcement, the Agreement will be terminated.
The Client acknowledges that because of its relationship to Company, they will have access to certain information and material concerning the Company's business that are of substantial value to the Company. The value would be impaired if such information were disclosed to third parties. Client agrees that it shall not use in any way for its account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by Company.
Governing Law and Jurisdiction
This Agreement shall be governed by and construed according to the laws of the State of Illinois.
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 the Agreement, nor any waiver of any rights under this Agreement, shall be effective unless in writing signed by the party to be charged.
Any notices required or permitted by the Agreement shall be deemed given if sent by Certified mail, postage prepaid, e-mail, fax, return receipt requested, or by recognized overnight delivery service: If to Company; at its principal place of business or if to Client, at the provided address.
If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall remain in full force and effort.
The prevailing party in any legal action brought by one party against the other and arising out of this Agreement shall be entitled, in addition to any other rights and remedies it may have, to reimbursement for its expenses, including court costs and reasonable attorneys' fees.
The Client will need a Proof of Identity and a recent utility bill showing the correct address (phone bill, gas bill, the electric bill, etc…)The Client agrees to maintain a "credit monitoring system" and provide Credit Honor L.L.C. access to that account. If the Client fails to keep an active monitoring account and fails to provide credit results, Client's file shall assess a $100 cancellation fee.The Client agrees to forward all mail received regarding their credit file to Credit Honor L.L.C.CREDIT HONOR
If you do not see positive results within 90 days, you are entitled to a refund last charged. This guarantee is valid for 90 days from the date of enrollment. After 90 days from the date of enrollment, it will expire. (A result could be the removal of negative items or increase in credit score.) accordance with the terms outlined in terms of service.
NOTICE OF RIGHT TO CANCEL
YOU HAVE A RIGHT TO CANCEL THIS AGREEMENT WITHIN 3 DAYS CANCELLATION WITH FINAL FILE REVIEW - $0 A client has full authority to cancel this Agreement anytime within the first five days with no fees. If that period has passed, Client will be liable for expenses related to completed work. This will include any work that has occurred on the client file. Upon the decision to cancel, Client will be notified of their final file review date. At that point, Credit Honor will review the file for any deletions or repairs. The client will be billed for any removals or repairs, and the data will be closed. If no deletions or replacements have occurred, then no fees will be assessed, and the client file will be closed.
Services are provided on a month -to- month basis, and clients may cancel their service at any time at least (10) ten days in advance of any upcoming recurring payment. When canceled according to these terms, the future recurring payment will constitute the final payment due for services rendered. All services are billed in arrears.
All clients of Credit Honor must read and understand the following statements.Client understands this is a binding agreement, and failure to make the payment for completed services can result in harmful activity to Client's credit file.Credit Honor also reserves the right to file the proper paperwork to obtain a Judgment for the amounts owed plus any legal fees.Either party may cancel this Agreement at any time. Cancellation must be sent in a formal written format. Notice shall not be considered received unless all parties have received confirmation of receipt.Credit Honor shall, within the course of 1 to 3 business days of signup, set up clients with their online private client site, which will allow them to check progress throughout their service.A username and password will be provided to the Client to access their online private client site.Credit Honor shall prepare challenges for items appearing on the customer's credit reports per the FCRA. Credit Honor will submit transmittals of challenges within seven business days of receipt of credit information and executed disclosure and agreement from the customer.After each consecutive round of service, Credit Honor shall prepare all follow-up challenges, as allowed by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair, and Accurate Transactions Act and Fair Credit Billing Act.All items repaired or removed will be posted to the Client's private client site, accessed online by username and password provided to Client the client upon initiation. Credit Honor shall assist Client in determining the action to take with each account in regards to that Client's file. Credit Honor is available to review the Client's credit file by calling the customer service numbers provided upon enrollment.The client acknowledges receipt of two (2) copies of a Notice of Right to Cancel.The client acknowledges receipt of Consumer Credit File Rights under State and Federal Law.Credit Honor shall also provide client services staff for assistance in answering questions regarding a client's account.Credit Honor will ONLY challenge items as legally allowed.
A MESSAGE FROM THE FEDERAL TRADE COMMISSIONYou have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for ten years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within three business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of the information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information, contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580(a) Separate Statement Requirement- The written statement required under this section shall be provided as a document that is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material supplied to the consumer.(b) Retention of Compliance Records-In general-The, the credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.Maintenance for two years: The copy of any consumer's statement shall be kept in the organization's files for two years after the consumer's statement is signed.
All clients of Credit Honor must read and understand the following statements.A "removal" is defined as an item, tradeline, personal information, or inquiry removed from any of the Client's three credit files for ANY reason during our service.A "repair" is defined as any "formerly negative" tradeline or any of the Client's credit files that, during our service, become a "positive" tradeline. This could include but is not limited to removing "late notations" or "status change.
"THE FOLLOWING ARE PART OF BUT NOT CONSIDERED TO BE A COMPLETE LIST OF OUR SERVICES.
Create a unique, secure interactive client web portal for online access.A username and password will be provided to the Client to access their online private client site.Create a safe online environment as part of the client web portal for secure document sharing and transfer.Assist the Client in obtaining a copy of the credit report if needed.Analysis and review of the client credit report.Enter Data from clients' credit report into the internal database.Enter Data from clients' credit report into a secure interactive client web portal.Enter the client's information into a secure web portal for tracking purposes.Provide client link to perform opt-out to reduce junk mail.Analysis and review of client file status updates.Credit Honor shall also provide client services staff for assistance in answering questions regarding a client's account.Update Client secure interactive web portal with most recent updates and notes.Receiving and processing of Manual Updates.Respond to, receive, and or initiate correspondence via telephone, mail, e-mail, or fax.Review the client's credit report updates to determine the next step.Create a strategic plan to assist clients in meeting their goals.Create dispute letters.Assist with credit questions.Provide ongoing credit education.We would like to take this time to thank you for trusting Credit Honor to help you through this difficult time. We are glad you have given us the chance to help, and we look forward to a successful relationship together.
Collection of your Personal Information
To better provide you with products and services offered on our Site, Credit Honor may collect personally identifiable information, such as your:
- First and Last Name - Mailing Address - E-mail Address - Phone Number
If you purchase Credit Honor products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.
Credit Honor may also collect anonymous demographic information, which is not unique to you, such as your:
- Age - Gender - Race - Religion - Political Affiliation - Household Income
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the site. These may include:registering for an account on our site,entering a sweepstake or contest sponsored by one of our partners or us,signing up for special offers from selected third parties,sending us an e-mail message,submitting your credit card or other payment information when ordering and purchasing products and services on our site.To wit, we will use your information for, but not limited to, communicating with you about services or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Use of your Personal Information
Credit Honor collects and uses your personal information to operate its website(s) and deliver the services you have requested.
Credit Honor may also use your personally identifiable information to inform you of other products or services available from Credit Honor and its affiliates.
Sharing Information with Third Parties
Credit Honor does not sell, rent, or lease its customer lists to third parties.
Credit Honor may share data with trusted partners to help perform statistical analysis, send you e-mail or postal mail, provide customer support, or arrange deliveries. All such third parties are prohibited from using your personal information except to provide these services to Credit Honor, and they are required to maintain the confidentiality of your data.
Credit Honor may disclose your personal information, without notice, if required to do so by law or in the belief that such action is necessary to conform to the law's edicts or comply with legal process served on Credit Honor or the Site;protect and defend the rights or property of Credit Honor; or act under exigent circumstances to protect the personal safety of users of Credit Honor or the public.
Tracking User Behavior
Credit Honor may keep track of the websites and pages our users visit within Credit Honor, to determine what Credit Honor services are the most popular. This data is used to deliver customized content and advertising within Credit Honor to customers whose behavior indicates that they are interested in a particular subject area.
Automatically Collected Information
Information about your computer hardware and software may be automatically collected by Credit Honor. This information can include your IP address, browser type, domain names, access times, and referring website addresses. This information is used for the service's operation, to maintain quality of the service, and to provide general statistics regarding the use of Credit Honor, LLC website.
Credit Honor, LLC website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The use of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Credit Honor pages, or register with Credit Honor site or services, a cookie helps Credit Honor to recall your accurate information on subsequent visits. It simplifies the process of recording your personal information, such as billing addresses, shipping addresses, etc. When you return to the same Credit Honor website, the information you previously provided can be retrieved, so you can easily use Credit Honor, LLC features that you customized.
You can accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of Credit Honor, LLC services, or websites you visit.
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Security of your Personal Information Credit Honor secures your personal information from unauthorized access, use, or disclosure. Credit Honor uses the following methods for this purpose:
- SSL Protocol
When personal information (such as a credit card number) is transmitted to other websites, it is protected through encryption, such as the Secure Sockets Layer (SSL) protocol.
We strive to take appropriate security measures to protect against unauthorized access to or alter your personal information. Unfortunately, no data transmission over the Internet or wireless networks can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of all information and data exchanged between you and us through this site cannot be guaranteed.
Right to Deletion
Subject to certain exceptions set out below, on receipt of a valid request from you, we will: • Delete your personal information from our records, and • direct any service providers to delete your personal information from their records.
Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:
• Complete the transaction for which the personal data was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide an excellent or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us; • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity; • Debug to identify and repair errors that impair existing intended functionality; • Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law; • Comply with the California Electronic Communications Privacy Act; • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent; • Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us; • Comply with an existing legal obligation; or • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Children Under Thirteen
Credit Honor does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
From time to time, Credit Honor may contact you via e-mail to provide announcements, promotional offers, alerts, confirmations, surveys, or other general communication. To improve our Services, we may receive a notification when you open an e-mail from Credit Honor or click on a link therein.
If you would like to stop receiving marketing or promotional communications via e-mail from Credit Honor, you may opt-out of such communications by clicking the unsubscribe link located in the e-mail, or you may reply to any e-mail with the subject line of "REMOVE."
External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have contracted.
Changes to this Statement
Credit Honor welcomes your questions or comments regarding this Statement of Privacy. If you believe that Credit Honor has not adhered to this statement, please contact Credit Honor at:
Credit Honor, LLC. Chicago, Illinois
E-mail Address: email@example.com
Telephone number: 312-650-9820
Effective as of July 10, 2020
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Hours of Operations:
Monday: 8:00 am - 4:00 pm
Tuesday: 8:00 am - 7:00 pm
Wednesday: 8:00 am - 4:00 pm
Thursday: 8:00 am - 7:00 pm
Friday: 8:00 am - 4:00 pm
Saturday: 12:00 pm - 6:00 pm