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Terms of Service

Credit Manager provides compliance-driven FinTech solutions that connect every part of the credit repair ecosystem — from agency operations to referral partnerships and law firm collaboration. Our technology simplifies workflows, automates compliance, and helps professionals scale confidently.

These Terms of Service (the “Terms”) constitute a legally binding agreement between Credit Manager, Inc. / Rank Above Others, Inc. (“Provider”) and any agency, advocate, attorney, or entity (“Client”) participating in or accessing any portion of the Credit Manager Network, including but not limited to the Agency Advantage, Advocate Network, Attorney Network, and Invoice Management Service (IMS) programs.

By subscribing, paying for services, or using any system, website, portal, or related resources provided by Credit Manager, the Client acknowledges and agrees to these Terms. Additionally, Client also agrees to the Affiliate Terms, which are incorporated into these Terms by this reference.

DEFINITIONS

  1. “Provider” refers to Credit Manager, Inc. / Rank Above Others, Inc., including its employees, contractors, and authorized representatives.
  2. “Client” refers to any agency, advocate, attorney, or organization that subscribes to, accesses, or participates in any Credit Manager program or service.
  3. “Agency” refers specifically to any Client operating a credit repair, credit counseling, or financial services business under the Credit Manager Network.
  4. “Advocate” refers to any Client or partner participating in the Credit Manager Advocate Network for the purpose of referring or nurturing consumers interested in credit repair or related services.
  5. “Attorney” refers to any licensed law firm or attorney participating in the Credit Manager Attorney Network.
  6. “Business” refers to the Client’s own company, operation, or entity established and operated under the Credit Manager system and programs, through which the Client delivers services to consumers or other end users in accordance with these Terms and applicable laws.
  7. “Service Agreement” refers to any signed or implied contract between the Client and Provider outlining program-specific participation terms.
  8. “Deliverables” refers to any materials, configurations, automation, websites, content, designs, documents, or software access produced by Provider for the Client.
  9. “Terms” refers to this Terms of Service document, including any amendments or incorporated agreements.

These Terms apply to all programs and services within the Credit Manager Network, including but not limited to the Agency Advantage, Advocate Network, and Attorney Network. Each program may include additional participation guidelines, compliance requirements, or supplemental agreements that govern its respective operations. In the event of a conflict between this Agreement and a program-specific agreement, the program-specific agreement shall control for that scope of participation.

Collectively, these provisions establish the operational, financial, and legal obligations of all Clients participating in the Credit Manager Partner ecosystem. By enrolling in or continuing participation under any program, Clients agree to comply with these Terms and maintain ongoing adherence to Provider’s standards and policies as updated from time to time.

Administrative and Foundational

  1. PROGRAM PARTICIPATION & ELIGIBILITY Enrollment in any Credit Manager program is available to all Clients who complete registration and payment through Provider’s designated systems. However, activation of live operations, including customer intake, lead reception, and billing activity through the Provider’s network, is contingent upon the Client’s completion of all required compliance checklist items provided in the member’s area.
    1. These requirements may include, but are not limited to, verified business formation, active EIN, state Credit Services Organization (CSO) registration or exemption, website publication, disclosure documents, and any other regulatory filings necessary for lawful operation within the Client’s state.
    2. Until all compliance items are completed and verified, the Client’s system may remain in pre-launch status. Provider is under no obligation to enable live operations, forward leads, or process customers on behalf of the Client until such compliance requirements are met.
    3. Failure or delay in completing compliance obligations does not constitute grounds for refund or cancellation, as system setup, development, and service access begin immediately upon enrollment.
  2. AGREEMENT TO ACQUIRE BUSINESS
    1. Acceptance. When you accept the TOS  you are stating you are of legal age (meaning you are either legally emancipated or 18 years of age) and that you are able to enter into a contract. If you are accepting on behalf of an organization, you are affirming that you are an authorized representative to bind that organization, and references to “you” in the TOS will include the organization you are representing.
    2. Independent Contractor Status. For the avoidance of any doubt, it is hereby stated that the parties intend and agree that this Agreement shall be treated for all purposes as an agreement for contracted services between the parties, and it does not create a franchise or employer and employee relationship. In all dealings with third parties including, without limitation, Clients, employees, suppliers, and customers, Client must disclose in an appropriate manner acceptable to Provider that it is an independent entity. Nothing in this Agreement is intended by the parties hereto to create a fiduciary relationship between them nor to constitute a franchise, subsidiary, joint venture, partner, agent or employee relationship between Provider and Client.
    3. Client’s Responsibilities. Client is responsible for business setup such as, but not limited to, filing, setup and payment of all fees required of all necessary business formation, documentation, licensing, bonding, taxes, EIN registration, CSO registration, legal consult/representation, bank account setup, virtual payment accounts, and any other compliance necessary to operate a business at a local and federal level. All necessary business formation accounts mentioned herein must be complete before a Live Operation date can be set and prior to any integration with Advocates, if applicable.
    4. Customer Communication. Provider is responsible for all communications with Client’s customers. Client has the right to step in and communicate with customers, but if Client ceases communication with customers or provide clear action-steps for Provider for longer than 48 hours, Provider will act on behalf of Client and make decisions without Client’s consent that is believed to be the best for Customer, Client and Provider.
  3. ACCEPTANCE & BINDING EFFECT By purchasing, subscribing to, or accessing any service, system, or portal provided by Credit Manager, Inc. (“Provider”), Client acknowledges that these Terms of Service and all incorporated agreements, including, without limitation, the Agency Authorization & Limited Power of Attorney Agreement, and any applicable IMS, Advocate, or Attorney Program Agreements govern the relationship between the parties.
    1. Clients are required to review and execute all corresponding service agreements within five (5) calendar days of enrollment. During this review period, Clients may notify Provider in writing of their intent to cancel and will be released from further obligations, except for non-refundable setup or onboarding costs already incurred.
    2. If no written notice of cancellation is received within that period, Client’s continued participation, access to Provider’s systems, or receipt of deliverables shall constitute full acceptance of all applicable agreements as though executed in writing.
    3. Provider’s ability to perform setup, billing, and operational management services is expressly conditioned upon such acceptance.
  4. STANDARDS OF OPERATION
    1. Operational Readiness. Operational Readiness refers to the stage at which the Client has received all required deliverables from the Provider — including software access, branding, website, hosting, security configurations, content, and system integrations — necessary to begin preparing for operation. At this stage, the Provider’s setup and development obligations are considered fulfilled. The Client is solely responsible for obtaining and maintaining any legal registrations, licenses, or bonds required for lawful operation in their jurisdiction.
    2. Live Operation. Live Operation refers to the stage when all compliance checklist items have been verified and approved by the Provider, including all legal registration, licensing, bonding, and required disclosures. At this stage, the Client’s agency is fully authorized to accept customers and receive leads through the Provider’s systems. Provider reserves the right to revoke or suspend Live Operation status if compliance, payment, or operational standards are no longer met.
    3. Pending Cure. Provider may temporarily suspend a Client’s operational access or live activities by placing the account in Pending Cure status. While in Pending Cure, system access, invoicing, or lead delivery may be limited or disabled until the issue is resolved. Unless stated otherwise in Notice to Cure, Clients have ten (10) days from the date the Notice to Cure is issued to correct the deficiency and bring the account current. A Notice to Cure can be issued for reasons including, but not limited to:
      1. Non-payment of any required fees, invoices, or monthly dues,
      2. Incomplete or expired legal registrations, licenses, or bonds,
      3. Evidence of fraud, misuse, or regulatory non-compliance,
      4. Failure to respond to Provider’s written requests,
      5. Failure to provide required documentation or access, or
      6. Violation of these Terms or other program agreements.
    4. Pending Cure Administrative Fee. Each instance in which a Client account enters Pending Cure status is subject to a Pending Cure Administrative Fee of one hundred dollars ($100) or such other amount as specified by Provider’s current fee schedule. This fee covers administrative time and costs associated with account review, communication, system suspension and potential reinstatement, and related billing adjustments. The Pending Cure Administrative Fee is non-refundable and must be paid, in addition to all outstanding balances, before services, billing access, or lead distribution privileges are reinstated under a Cure Success notice.
    5. Cure Success. Services resume only after all deficiencies are cured and Provider issues written confirmation through a “Cure Success” notice. Failure to cure within the designated timeframe may result in immediate termination. A reinstatement fee may apply as outlined in Provider’s policies.
  5. SERVICEABLE STATE The Provider’s programs operate within the boundaries of applicable state laws and licensing requirements. “Serviceable State” refers to the state(s) in which a Client, whether an Agency, Advocate, or Attorney, is legally authorized to conduct its respective business activities. Provider will not assign or service customers from unsupported or restricted states on behalf of any Client. Credit repair services in Georgia are currently prohibited by law. Illegal or unregistered activity in restricted states constitutes an immediate breach of these Terms and may result in termination of services. Provider reserves the right to modify the list of supported or restricted states at any time based on legal, compliance, or operational updates.
    1. For Agencies: Lead generation from the Provider’s network is limited to the state(s) in which the Agency is legally authorized to operate. If the Agency’s business is registered in California, for example, the Agency will only receive network-generated or complimentary leads from California. Agencies may independently market and attract customers from other states at their own expense, provided they meet all registration, bonding, and compliance requirements of those states.
    2. For Advocates: Advocates may refer customers to the Provider or to participating Agencies within the states where they themselves are authorized to conduct business. Advocates do not receive complimentary or network-generated leads from the Provider.
    3. For Attorneys: Attorney participants may only receive consumer introductions from the Provider within the state(s) in which they are licensed to practice law. Legal introductions outside an attorney’s licensed jurisdiction are prohibited.

Operational & Financial

  1. ADVERTISING & MARKETING
    1. Rebranding. Client may make a request to change company branding such as logo design, domain name, website URL, logo design, website color scheme and major website changes at Client’s expense. Client must pay Provider for the changes and the affected platforms such as Go High Level, Zapier, Customerly, 8×8, Google WorkSpace, WordPress website, Dispute Portal, social media platforms and the such that must be updated to reflect the rebranding request. Cost of rebranding will be discussed only at the time of request.
    2. Lead Generation Services. Provider may, at its discretion, offer advertising or lead-generation services for participating Clients through Provider-managed co-op ad programs or individual campaigns. All lead-generation activities must comply with applicable federal and state advertising laws, including but not limited to the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and the Fair Credit Reporting Act (FCRA) where applicable. Clients participating in Provider-managed lead programs agree that all advertising content, landing pages, forms, and marketing assets remain the property of Provider unless otherwise specified in writing. Leads generated through such programs are considered Provider-sourced and may not be resold, reassigned, or reused outside the approved program framework.
    3. Marketing Rights. Client agrees and understands that Provider may share information about Client with the general public regarding services rendered, including but not limited to branding, website design, sales, development, marketing, and management. Client grants Provider permission to display Client’s logos, company name, website, and other non-confidential business identifiers in marketing materials such as Provider’s website, social-media profiles, brochures, presentations, and other promotional or compliance disclosures. Provider will not disclose confidential information such as trade secrets or client-specific financial data beyond what is reasonably necessary for legitimate marketing, testimonial, or regulatory purposes.
  2. LEAD HANDLING
    1. Lead Ownership. A lead originated by the Client (e.g., the Client’s website form, the Client’s ads, or an approved co-op campaign) is attributed to that Client for source tracking only. If no transfer occurs, the assigned Client is the lead owner. If an Automatic Transfer occurs, ownership transfers to the receiving agency, and the originating Client retains source attribution solely for commission purposes as stated below. Leads assigned from the Credit Manager internal/network distribution (i.e., provided at no acquisition cost to the Client) are not considered Client-originated and confer no transfer commission.
    2. Automatic Transfer. If a lead identifies a state or jurisdiction the originating Client is not legally authorized to service (e.g., missing/expired CSO registration, bond, or license), Provider’s Automatic Transfer will reassign the lead to a compliant agency. When an Automatic Transfer occurs on a Client-originated or approved co-op lead, the originating Client is entitled to a 10% transfer commission on the first successfully paid customer invoice generated by the receiving agency for that transferred lead. No commission is due on network-assigned leads. Source attribution is maintained by Provider for audit and payout tracking; however, ongoing ownership and servicing rights reside with the receiving agency. The originating Client may not solicit or service the transferred lead while it is active with the receiving agency, except as permitted by Provider’s policies or after the engagement ends.
  3. PAYMENT & BILLING
    All payments for Credit Manager programs, subscriptions, and invoices must be made by the deadline specified on each invoice.
    1. Invoicing
      1. Recurring subscription payments are due every thirty (30) days from the date of activation, unless otherwise specified in writing.
      2. Service-related invoices are due immediately upon issuance and must be paid no later than the stated deadline on the invoice.
      3. Any invoice not paid by its specified deadline will automatically trigger the Pending Cure process as outlined in these Terms.
    2. Invoice Management Service. Unless opted out by submitting the “IMS Opt-Out Request” form, all Smart Advantage and Enterprise Advantage Clients are automatically enrolled in Provider’s Invoice Management Service (IMS) as their default billing department and payment processor. IMS handles invoicing, customer payment collection, fund disbursement, and related administrative services as described in these Terms. Provider acts solely as a processing and administrative agent and does not serve as a fiduciary, trustee, or escrow holder. Client authorizes Provider to process payments, deduct applicable fees, and disburse funds according to the Client’s active Advantage Plan. All chargebacks, disputes, and unpaid customer balances remain the Client’s full responsibility. Provider reserves the right to withhold or offset future disbursements to cover pending chargebacks, refunds, or unpaid balances associated with the Client’s account.
    3. IMS Fees. Agencies utilizing the IMS, authorizing Provider to manage invoicing, payment processing, and reconciliation, will incur a flat service fee of 15% applied to each customer payment processed through IMS. This covers all billing, merchant processing, and administrative services.
    4. Disbursement Delays. Provider may delay or withhold disbursements to Client if required by payment processors, merchant partners, or financial institutions. This includes but is not limited to processor investigations, reserve holds, chargebacks, suspected fraud, or regulatory review. Provider will notify Client of any such delay when permitted by the processor or applicable law. Funds may remain withheld until the matter is resolved to the satisfaction of the Provider and its processing partners.
    5. IMS Opt-Out Request Agreement. The IMS Opt-Out Request Agreement allows a Client to decline participation in Provider’s default Invoice Management Service (IMS) and assume full responsibility for its own billing, invoicing, and payment collection processes. Approval of this request must be granted in writing by Provider before any independent billing activity may occur. Upon approval, Client assumes complete liability for customer invoicing, customer payment collection, transaction processing, payment disputes, and chargebacks. Provider will cease billing or fund-management activities on Client’s behalf once the opt-out becomes effective. Clients operating under this agreement must maintain PCI-compliant merchant systems and are solely responsible for all legal, accounting, and compliance obligations associated with self-managed billing.
    6. IMS Merchant Replacement Agreement. The IMS Merchant Replacement Agreement authorizes a Client to substitute Provider’s default IMS merchant account with an approved Client-owned merchant account while retaining IMS for billing automation, tracking, and reconciliation services. Under this agreement, Provider continues to administer invoicing, communication, and reporting functions but routes processed payments through the Client’s designated merchant account. The Client remains responsible for maintaining compliance with all merchant-processor, PCI, and regulatory requirements. Provider reserves the right to deny, revoke, or suspend a replacement arrangement if the Client’s merchant account becomes non-compliant, experiences excessive chargebacks, or interferes with Provider’s ability to reconcile IMS transactions. A reduced IMS fee of ten percent (10%) remains applicable to all payments processed under this agreement. The Client also remains responsible for all processing, interchange, and merchant-related fees charged by its own payment processor. Client must also provide Transaction Manager level access to Client’s Authorize.net, the only compatible and supported payment gateway with Provider’s portal.
  4. FEES, PAYMENTS & REFUNDS
    1. Refunds and Disputes. All payments made to Provider are final and non-refundable. Because services begin immediately upon enrollment and involve customized deliverables and system configuration, no refunds or reversals will be accepted once payment has been processed. All billing disputes must be submitted directly to Provider in writing for internal review before any external action is taken.
    2. Chargeback Dispute Policy. The Client agrees not to initiate any chargeback or payment dispute with their bank or card issuer for any amounts paid to Provider for services rendered or initiated. All billing disputes must first be submitted directly to Provider for internal review and resolution. A chargeback shall not constitute a valid form of cancellation. Upon initiation of a chargeback:
      1. Client is in immediate violation and Provider reserves the right to immediately suspend all ongoing work, access, and system privileges and/or initiate immediate termination regardless of the outcome of such dispute.
      2. If the chargeback is denied by the bank or decided in favor of Provider, the Client agrees to reimburse all fees and penalties assessed to Provider by the processor and may incur a $150 administrative fee for documentation and processing costs.
      3. Provider reserves the right to deny future access, refuse reinstatement, and report chargeback abuse to payment processors or other relevant entities.
    3. Acceptance of Work. All deliverables provided by Provider, including websites, CRM access, content, or documentation, are deemed accepted and approved by the Client if no written request for revision is submitted within five (5) business days of delivery. Failure to respond within this timeframe constitutes full satisfaction of the deliverable and completion of Provider’s obligations for that milestone.
    4. Other Charges. All additional work outside of project scope is billed hourly based on the type of service required. Pricing for additional work will be provided at the time of request. These charges are billed immediately based on the estimated time to complete the additional work. Work will not begin until payment has been made. If the work is completed in less than the estimated time, then any unused paid hours may be used as credit towards other services.
  5. TERMINATION, AUTHORIZATION & SERVICE REINSTATEMENT
    1. Suspension and Termination. Credit Manager, Inc. reserves the right to suspend or terminate services in accordance with these Terms of Service, including for nonpayment, failure to cure a breach, or other material violations. Suspension or termination may result in the loss of access to systems, platforms, digital assets, lead distribution, hosting, CRM access, and any related services.
    2. Agency Authorization Requirement. Services provided by Credit Manager, Inc. require a valid and active Agency Authorization and Limited Power of Attorney (“Agency Authorization”) executed by the Client. The Agency Authorization grants Credit Manager, Inc. limited authority to act on the Client’s behalf solely for the purposes outlined in the authorization. Upon suspension or termination of services for any reason, including but not limited to nonpayment or failure to cure, any prior Agency Authorization is immediately revoked and rendered void. Credit Manager, Inc. shall have no authority to act on behalf of the Client after termination unless and until a new Agency Authorization is executed.
    3.  Reinstatement After Termination. If a Client’s services are terminated for any reason, any reinstatement of services is solely at the discretion of Credit Manager, Inc. Reinstatement, if approved, requires the execution of a new Agency Authorization and Limited Power of Attorney and payment of all applicable fees in effect at the time of reinstatement. Reinstatement fees are separate from and in addition to any onboarding fees, setup fees, subscription fees, program fees, or other charges required to resume services. Reinstatement fees may be assessed based on the Client’s most recent service tier at the time of termination, which may include, but are not limited to, the following:

      – Lite Advantage: $300 reinstatement fee
      – Smart Advantage: $1,500 reinstatement fee
      – Enterprise Advantage: $3,500 reinstatement fee

      Credit Manager, Inc. reserves the right to modify reinstatement fees, require additional conditions, or decline reinstatement entirely at its sole discretion.

Legal & Compliance

  1. CONFIDENTIALITY AND COVENANTS NOT TO COMPETE
    1. Proprietary Information. Client acknowledges that all systems, software, platforms, processes, documentation, and intellectual property developed, owned, or provided by Provider, including any modifications, enhancements, or derivative works, are and remain the exclusive property of Provider. Provider acknowledges that Client’s independently developed customer or lead lists, marketing data, or other proprietary business records not created or maintained by Provider are the property of Client. Each Party agrees to maintain the confidentiality of the other’s proprietary information and to use such information solely for the purpose of fulfilling this Agreement.
    2. Confidentiality. Client acknowledges that, in the course of participating in Provider’s programs, it may gain access to Confidential Information belonging to Provider. “Confidential Information” includes any technical, operational, or commercial information that is not publicly available and that relates to Provider’s systems, software, data, designs, methods, pricing, financial information, strategies, or business operations. Additionally:
      1. Client agrees to maintain all Confidential Information in strict confidence and not to disclose, copy, reproduce, or use such information except as necessary to perform obligations under this Agreement. Confidential Information shall remain the sole property of Provider at all times.
      2. Information publicly available, independently developed by Client without reference to Provider’s materials, or rightfully obtained from a third party without restriction shall not be deemed Confidential Information.
      3. Provider has no obligation to treat as confidential any data or information submitted by Client that is not expressly marked or designated as confidential or that is inherently part of the normal operations of Provider’s platform.
    3. In-Term and Post-Term Non-Compete. Client agrees that during the term of this Agreement and for two (2) years following termination, it will not directly or indirectly: Solicit or attempt to solicit any Client, partner, or lead of Provider for competing services; Divert or attempt to divert any business or potential business away from Provider; Replicate, reverse-engineer, or create derivative works of Provider’s systems, workflows, or programs. These restrictions are limited to the scope of Provider’s programs and do not prevent Client from operating its own lawful credit repair or financial services business unrelated to Provider’s proprietary systems or customer relationships.
    4. Non-Disclosure. Client will maintain strict confidentiality and will not disclose, disseminate, reproduce, or use any Confidential Information belonging to Provider, except as necessary to perform under this Agreement. Client must take reasonable precautions to protect such information, including restricting access to employees or contractors on a need-to-know basis. Disclosure is only permitted when authorized in writing by Provider or when required by law, in which case Client must give Provider prompt notice to allow for protective measures.
  2. TERM DURATION
    This Agreement remains in effect for as long as Client maintains an active account and participates in any Provider Program. It automatically terminates upon the Client’s cancellation of services, or upon Provider’s termination of the Client’s participation for non-payment, failure to cure a compliance or contractual breach, or any other violation of the Terms of Service. Termination of the Client’s participation shall immediately revoke this Limited Power of Attorney, except for obligations or provisions that expressly or by nature survive termination, including outstanding balances, confidentiality, and data-security responsibilities.
  3. TERMINATION
    1. Immediate Termination. Client will be deemed to be in default and subject to immediate termination under this Agreement, without prior notice of the default from Provider and without an opportunity to cure the default, upon the occurrence of any event constituting a material breach of this Agreement, including, but not limited to, the following:
      1. Non-payment and/or Chargeback. If Client fails to submit any required payment when due, including any payment that is reversed, offset, clawed back, or otherwise not successfully settled, or initiates any chargeback or payment dispute with a bank, card issuer, or payment processor.
      2. Fraud. If Client commits any fraud or misrepresentation in the operation of the Business.
      3. Misuse of Proprietary Information. If Client or Client’s principals materially violate any provision hereof pertaining to Proprietary Information or misuse the Proprietary Information.
      4. Insolvency. If Client becomes insolvent.
      5. Abandonment. If Client voluntarily or otherwise abandons the Business. The term “abandon” includes any conduct which indicates a desire or intent to discontinue the Business in accordance with the terms of this Agreement and will apply if Client fails to respond to communications from Provider for a period of thirty (30) or more consecutive days without Provider’s prior written approval. Provider may withhold services until communication is received or termination is effective any day beyond thirty (30) calendar days from last communication received from Client.
      6. Government Regulations. Client fails, within thirty (30) calendar days after notification of non-compliance by federal, state or local government authorities to comply with any law or regulation applicable to the Business.
      7. Breach of Other Agreements. If Client commits any fraud, criminal acts or other misconduct or makes any misrepresentation or omission to Provider relating to any other agreement with Provider or Provider’s affiliates.
    2. Voluntary Cancellation. A Client may request cancellation of services at any time; however, all cancellation requests must be submitted in writing through the Project Portal or by email at partners@creditmanager.io. Verbal requests, statements of intent, conditional language, or informal communications—including phone conversations—do not constitute a valid cancellation request.
      1. Cancellation Effectiveness. Cancellation is not effective unless and until Provider issues a written Notice of Cancellation confirming receipt and acceptance of the request. Continued access to systems, platforms, or services after an alleged cancellation date constitutes confirmation that no valid cancellation was received or processed.
      2. Revoke Access. Upon issuance of a Notice of Cancellation, Provider will revoke all access credentials and disable hosted platforms, systems, and digital assets, including but not limited to websites, domains, CRM accounts, communication lines, and any related software or marketing tools administered by Provider.
      3. Outstanding Invoices. All outstanding invoices, fees, and balances must be paid in full before cancellation status is finalized. Digital assets created, hosted, or maintained by Provider on behalf of the Client remain under Provider’s control until all outstanding balances are cleared. Provider has no obligation to transfer, release, or reassign any such assets prior to confirmed payment.
      4. Cancellation Confirmation. Upon confirmation of payment and completion of required offboarding steps, Provider will issue written acknowledgment that cancellation has been completed.
    3. Professional Conduct. Client must maintain professional and respectful communication with Provider, its owners, employees, agents, and partners at all times. Hostile, threatening, or abusive behavior, whether verbal, written, or electronic, constitutes a material breach of this Agreement and may result in immediate termination of access and services.
      1. Non-Disparagement. Client further agrees not to disparage, denigrate, or encourage others to disparage Provider or its affiliates in any form, including social media posts, online reviews, written correspondence, or verbal statements. “Disparagement” includes false, misleading, or defamatory remarks that could damage the reputation, goodwill, or operations of Provider or its partners.
      2. Truthful Statements. Nothing in this section prohibits Client from making truthful statements required by law, regulation, or valid legal process.
    4. Period of Non-Compliance. During any period of non-compliance, Client remains obligated to continue paying all regular monthly dues and fees to maintain its account, systems, and program access. However, Provider will suspend all lead assignments, customer onboarding, and related marketing activities until full compliance is restored. Client acknowledges and agrees that no compensation, credit, or reimbursement will be provided for any downtime or loss of opportunity during the suspension period.
    5. Pending Cure Failure. If Client fails to correct any issue, deficiency, or default within the applicable cure period specified in these Terms, including, without limitation, payment delinquency, compliance deficiencies, or other operational violations identified under the Pending Cure process, Provider may terminate this Agreement immediately upon written notice.
    6. Repeated Violation. Provider may terminate this Agreement immediately upon written notice if Client fails to cure any default or if the same or similar violation occurs repeatedly after being previously cured. Grounds for termination include, but are not limited to, nonpayment, loss of required licensing or registration, unethical or abusive conduct toward Provider or its representatives, or any material breach of these Terms or related agreements. No further notice or extension is required for repeated or intentional violations.
    7. Non-Waiver. Provider’s delay in exercising or failing to exercise any right or remedy under this Agreement or Provider’s acceptance of any late or partial payment due hereunder will not constitute a waiver of Provider’s rights against Client.
  4. POST TERM OBLIGATIONS
    Upon the termination or expiration of this Agreement for any reason, Client understands the following is in effect immediately:
    1. Client ceases to be a client of Provider under this Agreement;
    2. Client releases Provider of all responsibilities outlined in this Agreement;
    3. Client must pay all sums owed to Provider, including commissions for completed work on any credit repair customers managed by Provider not yet billed and open invoices not yet paid. Upon termination for any default by Client, such sums will include actual damages, costs and expenses, including, without limitation, reasonable attorneys’ fees, incurred by Provider as a result of the default;
    4. If applicable, at Client’s expense, Client must transfer website data from Provider’s servers to Client’s own hosting;
    5. If provided by Provider, Client must immediately cease using all telephone numbers and listings used in connection with the operation of the Business;
    6. All access to Provider-managed systems—including CRM, billing, lead management, or portal access—will be revoked immediately.
    7. Provider may retain certain data or records as required by law or for internal compliance purposes. Clients may request a limited export of active customer data within fourteen (14) days of termination, subject to Provider’s approval and applicable service fees. After this period, all data may be deleted or archived without notice.
  5. WEBSITE LEASING
    1. Leasing Plans. Unless purchased in full or otherwise stated in writing, websites and related digital assets provided under Provider’s Advantage or Leasing plans remain the sole property of Provider. Client may request a buyout of their website and hosted files for a one-time payment of six hundred dollars ($600) or the amount specified at the time of request. Upon full payment, Provider will deliver a compressed copy (ZIP format) of the website files within ten (10) business days. Failure to request buyout, complete payment, or cure any outstanding balance within the required timeframe results in forfeiture of any ownership or transfer rights to the website and its hosted assets.
    2. Ownership-Based Plans. Certain plans, including Smart Advantage and Enterprise Advantage, may include ownership or transfer rights to websites or related digital assets as part of the service offering. Any such ownership or transfer rights are conditional upon the Client’s account remaining in good standing, including full payment of all fees, invoices, and charges without reversal, offset, or clawback, regardless of dispute outcome. Ownership transfer does not vest and is not enforceable unless and until all outstanding balances are paid in full and Provider confirms transfer in writing.
  6. FORCE MAJEURE
    Whenever a period of time is provided in this Agreement for either party to do or perform any act or thing, except the payment of monies, neither party shall be liable or responsible for any delays due to strikes, lockouts, casualties, acts of God, war, pandemics, government regulation or control or other causes beyond the reasonable control of the parties, and in any event said time period for the performance of an obligation hereunder shall be extended for the amount of time of the delay. This clause shall not apply or not result in an extension of the term of this Agreement.
  7. LIMITATION OF LIABILITY
    Provider shall not be liable for indirect, incidental, or consequential damages arising from the use of its services. Liability shall in no case exceed the total amount paid by the Client within the preceding thirty (30) days.
  8. MISREPRESENTATION & UNAUTHORIZED CLAIMS
    Client may not make any representations, warranties, or guarantees on behalf of Provider or its affiliates, including but not limited to claims of specific credit score improvements, deletion rates, or outcomes. Provider reserves the right to terminate this Agreement immediately if Client misrepresents the Provider’s system, services, or results in any public or private communication.
  9. DATA INTEGRITY & SYSTEM MISUSE
    Client shall not manipulate, falsify, or input inaccurate data into Provider’s systems or use any automation or third-party integration not pre-approved by Provider. Misuse, including mass imports of unauthorized leads, spam messaging, or manipulation of payment records, constitutes a material breach and grounds for immediate termination.
  10. GOVERNING LAW
    This Agreement shall be governed by and construed in accordance with the laws of the State of Texas. The undersigned acknowledges that this Agreement has been read and fully understood, that the terms have been explained, and that execution is voluntary and binding.
  11. INJUNCTIVE RELIEF
    Client acknowledges that disclosure or personal use of any Proprietary Information by Client or breach by Client of any of the covenants will give rise to irreparable injury to Provider, or clients of Provider. Client also agrees that this injury to Provider, or clients of Provider, would be inadequately compensated in money damages alone. Accordingly, Provider or, where appropriate the client of Provider, may seek and obtain injunctive relief against the breach, or threatened breach, of the disclosure or personal use of any Proprietary Information by Client, in addition to any other legal remedies which may be available.
  12. LAWS, PERMITS & INDEBTEDNESS
    1. Laws and Permits. Client shall secure and maintain in force in Client’s name all required licenses, permits, and certificates relating to the conduct of your business pursuant to this Agreement. Client shall operate its Credit Repair Organization in full compliance with all applicable laws, ordinances and regulations including, without limitation, FTC, CROA, FCRA, CSR, TSR, local tax and federal tax.
    2. Ethical Conduct. All advertising by Client shall be completely factual, in good taste in Provider’s judgment, and shall conform to high standards of ethical advertising. Client shall in all dealings with its customers, suppliers, public officials, and Provider adhere to high standards of honesty, integrity, fair dealing and ethical conduct. Client agrees to refrain from any business or advertising practice which may be injurious to Provider and the goodwill associated with Provider. Client shall notify Provider in writing within five (5) days of Client learning of the commencement of any action, suit or proceeding.
    3. Full and Sole Responsibility for Debts and Obligations. Client hereby expressly covenants and agrees to accept full and sole responsibility for any and all debts and obligations incurred in the operation of the Business.
  13. MODIFICATIONS & UPDATES
    1. Modifications to Systems. Provider reserves the right to modify, expand, or discontinue any business activities, service plan fees, IMS fees, management fees, or related programs as deemed necessary to adapt to evolving business conditions. These conditions may include technological developments, regulatory changes, e-commerce evolution, market expansion, or other unforeseen factors. Provider may also modify or discontinue any proprietary systems, platforms, or software required for participation in the Business. Such modifications may include feature enhancements, security upgrades, compliance updates, or system migrations necessary to ensure ongoing functionality, protection, and improvement of the platform. Continued use of the platform or related services following any modification constitutes Client’s acknowledgment and acceptance of the updated systems, terms, and conditions.
    2. Changes To Terms of Service. Provider may update, revise, or replace these Terms of Service at any time. Clients are responsible for reviewing the Terms periodically. Continued participation in any Credit Manager program after changes are made constitutes acceptance of the revised Terms. Non-material updates will take immediate effect without notice. Material updates affecting pricing, billing structure, or core policies will also take immediate effect and will be posted in the member’s area or other locations designated by Provider.

Effective Date: March 01, 2021
Edited Date: January 28, 2026