PARTIES
This agreement is between Crown Tier Counsel LLC, and Creditory (hereinafter “CDY”) and the undersigned client (hereinafter “Client”). By signing this agreement, Client certifies that he/she is at least 18 years of age, that the information he/she has provided to CDY is true and complete, that he/she is legally authorized to enter into this agreement and authorize the actions of CDY as set forth herein, and that he/she will not use any of the products of CDY or any information provided by CDY for any unlawful or deceptive purpose.
DEFINITION OF TRADELINE
The term “tradeline” refers to the line-item for a credit account on a credit bureau report. As used throughout this agreement the term refers to a line of revolving credit, such as a credit card, which forms the basis of the credit bureau report. Client will be added as an “Authorized User” onto the purchased line of credit, resulting in the tradeline also appearing on Client’s credit bureau report.
TRADELINE PRODUCT
CDY agrees to use its best efforts to perform all functions necessary to have Client added as an “Authorized User” to the tradelines he/she selected to report to his/her credit report by the last day in the advertised Reporting Period. It is understood and agreed by both parties that Client will maintain “Authorized User” status on those tradelines for two (2) billing/posting cycles for each tradeline after being added thereto, after which he/she will be removed therefrom. Accordingly, it is the understanding and intent of the parties that Client will receive two consecutive postings of each tradeline to his/her credit bureau report and this “Authorized User” status shall be reported by two (2) or more credit bureaus. The parties further understand and agree that Client will only be added to tradelines with the full advance knowledge, consent and participation of the primary account holder of the account to which that tradeline pertains.
FEES
Client agrees to pay the non-refundable fee specified on the selected tradelines for purchase during checkout. Client understands and agrees that this fee is to be paid in full prior to the delivery of tradeline product. Client understands and agrees that the tradeline order will not be processed until CDY has received the entire fee, and that all fee payments received are to be considered earned upon receipt and non-refundable, unless a non-posting or non-performance by CDY occurs.
ABSENCE OF GUARANTEE OR SERVICES PROVIDED
Client understands and agrees that CDY cannot, and does not, make any predictions, promises, guarantees, warranties or assurances of any kind with regard to the result or effect of its product on Client’s credit score or other component of credit worthiness. CDY does not make any claims as to the improvement of the Client’s credit rating or the removal or correction of any items appearing on the Client’s credit report(s). CDY is not a credit repair company and does not offer any services relating to credit.
WARRANTIES
THERE ARE NO OTHER WARRANTIES EXPRESS OR IMPLIED. No other promise, other than what is stated in the PROOF OF NON-PERFORMANCE / NON-POSTING FOR REFUND OR EXCHANGE paragraph, has been made to the client, and the client specifically agrees that no additional promises, representations, or express and/or implied warranties other than those terms spelled out in this Agreement were made with respect to the services to be rendered or outcome to be achieved.
PROOF OF NON-PERFORMANCE / NON-POSTING FOR REFUND OR EXCHANGE
The parties acknowledge and agree that non-postings may occur and, in this event, we offer a “money back guarantee” and not an “absolute guarantee” of a tradeline posting. Therefore, in the event Client’s authorized user status has not posted to two (2) of the credit bureaus within the reporting period, CDY shall per the Client’s choice either provide a full refund, a full refund in the form of store credit, or an exchange for another tradeline within ten (10) days of receiving written proof. All refund or exchange requests must be in writing to refunds@creditory.io.
AUTHORIZATION/USE OF PERSONAL INFORMATION
Client hereby grants to CDY full authority to use his/her information for the sole purpose of adding him/her to the selected tradeline. Client further authorizes CDY to verify and validate all information provided from the client including but not limited to driver’s license information, social security number, date of birth, full legal name, address, and phone number.
USE OF FALSE OR UNAUTHORIZED INFORMATION / CONTACTING LENDER
Client agrees that he/she will not use, provide, or submit to CDY, any alternate Social Security Number (SSN), Credit Protection Number (CPN), Employer Identification Number (EIN), Taxpayer Identification Number (TIN), or any information that is false, fraudulent, illegal or unauthorized. Upon discovery of such information, CDY shall have the absolute right to terminate this agreement and remove the Client from any tradelines.
INDEMNIFICATION
Client shall fully indemnify, hold harmless and defend CDY and its directors, officers, employees, agents, stockholders, representatives and affiliates from and against any and all claims, actions, suits, demands, damages, liabilities, obligations, losses, settlements, judgments, costs and expenses which arise out of, result from, or in any way relate to any breach of this agreement.
DISCLAIMER
Client understands and agrees that any and all products offered by CDY are intended to comply with all municipal, state and federal laws. Client agrees that any products he/she receives from CDY will be used only for lawful purposes, and that any unlawful activity shall constitute an immediate material breach of this agreement.
LIMITATION OF LIABILITY
Client agrees that any liability on the part of CDY for any damage of any kind shall be limited to the amount of any fees actually paid by Client to CDY under this agreement. Client further agrees that CDY shall not be liable for the acts or omissions of any third party, including but not limited to our credit Sponsors.
LIMITATION OF ACTIONS
Client agrees that no action, proceeding or litigation arising out of this agreement may be brought against CDY more than six (6) months after the first date upon which the basis of that action could have reasonably been discovered.
GOVERNING LAW
This Agreement and the rights of the parties hereunder shall be governed by and construed in accordance with the laws of the State of Texas.
ATTORNEY’S FEES AND COSTS
The parties agree that if any action, proceeding or litigation is brought to enforce the terms of this agreement, the non-prevailing party will pay any and all attorney’s fees, costs and expenses incurred by the prevailing party.
SEVERABILITY / NON-WAIVER / FORCE MAJEURE
If any part of this agreement is deemed to be invalid or unenforceable for any reason, the remainder of this agreement shall continue in full force and effect.
ENTIRE AGREEMENT / MODIFICATION
This document sets forth the entire agreement and understanding of the parties, and supersedes all other verbal or written agreements.
NOTICES
All notices required by this Agreement shall be in writing and shall be emailed and/or mailed by first class letter. Crown Tier Counsel LLC, 1601 E Lamar Blvd. Suite 214 PMB 1141, Arlington, TX 76011, is CDY’s principal business agent in the State of Texas authorized to receive service of process.
PRIVACY POLICY OF CROWN TIER COUNSEL LLC
Financial companies choose how they share your personal information. The types of personal information we collect and share depend on the product you have with us. This information can include: Specific product needs, Social Security Numbers, Credit Profile, Address & Payment Information. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.
To limit our sharing of information or for any questions, call us at (817) 476-1309.
DIGITAL SIGNATURES: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures.
