Refund Policy & Consumer Credit Education & Report Assistance Agreement

Momentum Network provides consumer credit education and report assistance services designed to help clients understand their credit reports, identify possible inaccurate or questionable information, and take informed steps regarding their consumer credit rights.

Momentum's services are limited to education, analysis, document preparation assistance, coaching, and administrative support related to consumer credit reports.

Momentum Network does not provide legal advice, tax advice, financial planning advice, mortgage advice, investment advice, debt settlement services, credit approval services, or loan approval services. Clients who need legal, tax, accounting, investment, debt-settlement, or other professional advice should consult an appropriately licensed professional.

Momentum Network may provide the following services:

A.Credit Report Review and Education

Momentum may review credit reports provided by the client from major consumer reporting agencies, including Experian, Equifax, TransUnion, and other applicable consumer reporting agencies.

Momentum may help the client understand the contents of those reports, including tradelines, inquiries, collections, public records, account history, balances, utilization, payment history, and other credit report information.

Momentum may help the client identify information that the client believes may be inaccurate, incomplete, unverifiable, outdated, fraudulent, duplicated, or otherwise subject to dispute under applicable law.

B.Dispute Preparation Assistance

Momentum may assist the client in preparing correspondence to consumer reporting agencies, creditors, furnishers, collection agencies, or other appropriate parties regarding information the client believes may be inaccurate, incomplete, unverifiable, outdated, fraudulent, or otherwise subject to dispute.

Momentum may prepare draft correspondence based on information provided by the client. The client remains responsible for reviewing, approving, signing, and authorizing any correspondence before it is submitted.

Unless otherwise expressly authorized in writing and permitted by applicable law, the client is responsible for submitting any dispute correspondence directly to the appropriate consumer reporting agency, creditor, furnisher, or other recipient.

C.Credit Education, Coaching, and Consulting

Momentum may provide credit education, coaching, and consumer report assistance through personal meetings, telephone consultations, video conferencing, webinars, email, text-based communication, online portals, educational materials, or other reasonable communication methods during normal business hours.

Educational topics may include understanding credit reports, understanding credit scores, payment history, credit utilization, collections, inquiries, identity theft, fraud prevention, budgeting, debt management education, responsible credit use, and consumer rights under federal and state law.

D.Credit Profile Monitoring Assistance

Momentum may help the client understand changes appearing on consumer credit reports or credit monitoring tools provided by the client or by third-party credit monitoring services.

Momentum does not control any consumer reporting agency, creditor, lender, collection agency, furnisher, scoring model, or third-party monitoring provider.

Momentum Network does not guarantee, promise, or represent that:

• any item will be deleted from a credit report;
• any credit score will increase;
• any client will receive credit approval;
• any client will receive loan approval;
• any client will receive mortgage approval;
• any client will receive business funding;
• any creditor or consumer reporting agency will take a specific action;
• any accurate and verifiable negative information will be removed; or
• any result will occur within a specific timeframe.

Momentum does not create, alter, or falsify documents. Momentum does not advise clients to make false statements. Momentum does not advise clients to dispute accurate information solely for the purpose of attempting to improve a credit score.

Clients are responsible for:

• providing accurate, complete, and truthful information;
• providing current credit reports or access to credit report information when needed;
• reviewing all correspondence before submission;
• promptly responding to reasonable requests for information;
• notifying Momentum of changes in contact information;
• notifying Momentum of any notices or responses received from consumer reporting agencies, creditors, furnishers, collectors, or other third parties; and
• avoiding false statements to Momentum or any third party.

Clients understand that credit outcomes depend on many factors outside Momentum's control and that failure to provide requested information or documents may delay or limit Momentum's ability to provide services.

By enrolling in Momentum's services, the client authorizes Momentum to assist with consumer credit education, report review, dispute preparation, correspondence preparation, and related administrative support.

Where permitted by applicable law and authorized by the client, Momentum may prepare correspondence, communications, forms, or documents that may be sent to consumer reporting agencies, creditors, furnishers, collection agencies, or other relevant parties.

This authorization may include assistance involving Experian, Equifax, TransUnion, creditors, furnishers, collection agencies, and other relevant entities.

The client may revoke this authorization at any time by providing written notice to Momentum Network at 5201 Waterford District, Miami, Florida 33126, or by email at [email protected].

Unless revoked earlier, this authorization automatically expires twelve months from the date of enrollment or acceptance of services.

Momentum Network will not request, charge, collect, or receive any fee that is prohibited by applicable federal or state law.

Clients understand that federal and state laws may restrict when a company may charge fees for services that are represented as improving a consumer's credit record, credit history, or credit rating.

Any fees charged by Momentum must be lawful, properly disclosed, and tied to services that have been performed or are otherwise legally billable.

The applicable fee schedule, membership package, or pricing disclosure is provided to the client before enrollment and is incorporated into this policy by reference.

No fee will be treated as earned unless and until the corresponding service has been performed and such fee is permitted by applicable law.

If any portion of the fee schedule conflicts with applicable law, applicable law will control, and Momentum will not collect or retain any fee that is prohibited by law.

Clients have the right to cancel without penalty or obligation at any time before midnight of the third business day after enrollment or acceptance of the service agreement.

If a client cancels within the applicable cancellation period, any payment made by the client under the agreement will be returned within the time required by applicable law.

If a client cancels after the initial cancellation period, Momentum will refund any fees that are unearned or otherwise required to be refunded by applicable law.

Momentum will not retain any fee that is prohibited by applicable law.

Subject to applicable law, fees for services that have been fully performed and lawfully earned may be non-refundable.

To cancel, the client must send written notice to Momentum Network at 5201 Waterford District, Miami, Florida 33126, or by email at [email protected].

Clients may cancel their agreement without penalty or obligation at any time before midnight of the third business day after the date on which the agreement was accepted.

If a client cancels within the applicable cancellation period, any payment made under the agreement will be returned within the time required by applicable law.

Cancellation may be submitted by mail, delivery, or email to Momentum Network at 5201 Waterford District, Miami, Florida 33126, or [email protected].

Clients have rights under federal and state law regarding consumer credit reports:

• Clients have the right to dispute inaccurate, incomplete, unverifiable, outdated, or fraudulent information in a consumer credit report.
• Clients may contact consumer reporting agencies directly without hiring any company.
• Clients may also contact creditors, furnishers, collection agencies, or other reporting parties directly.
• Clients have the right to obtain copies of their credit reports and to dispute information they believe is inaccurate.
• Clients have the right to cancel services as described in this policy.
• Clients may have the right to sue a credit repair organization that violates applicable law.

Nothing in this policy is intended to waive any right a client has under federal or state law.

Clients understand and agree that Momentum cannot guarantee any specific credit outcome.

Credit reporting agencies, creditors, furnishers, lenders, collection agencies, scoring models, and other third parties make independent decisions that are outside Momentum's control.

Any examples, testimonials, educational illustrations, or prior results are not guarantees that a client will experience the same or similar results.

Momentum does not claim that it can remove accurate, timely, and verifiable negative information from a consumer credit report.

Momentum will not advise any client to make false statements, create false documents, submit false disputes, or misrepresent identity or credit history.

Clients agree not to provide false information to Momentum or any third party.

Momentum may recommend or provide access to third-party tools, credit monitoring services, educational platforms, software providers, or other third-party services.

Momentum does not control third-party providers and is not responsible for third-party errors, delays, terms, fees, policies, or actions.

If a client enrolls in a third-party service, the client may be subject to that third party's separate terms, privacy policy, billing policy, and cancellation policy.

Clients authorize Momentum to collect, receive, review, store, and use information provided by the client for the purpose of performing services.

Such information may include credit reports, identification information, contact information, financial information, correspondence, and other documents reasonably necessary to provide services.

Momentum will use reasonable administrative, technical, and physical safeguards to protect client information.

Momentum will not sell client credit report information.

Momentum will not share client information with unaffiliated third parties except as authorized by the client, required to provide services, required by law, or described in Momentum's privacy policy.

By accepting Momentum's services electronically, clients agree that electronic signatures, digital acknowledgments, clickwrap acceptance, and electronic records may have the same legal effect as handwritten signatures and paper records, to the extent permitted by applicable law.

Clients consent to receive communications electronically, including agreements, notices, disclosures, cancellation forms, billing notices, and service updates.

Clients may request paper copies by contacting Momentum at [email protected].

Services begin on the date of enrollment or acceptance and continue until canceled by either party, completed, or terminated according to the applicable service terms.

Unless earlier canceled or renewed in writing, any authorization granted to Momentum automatically expires twelve months from the date of enrollment or acceptance.

Clients may cancel services at any time by providing written notice to Momentum.

Cancellation does not eliminate a client's obligation to pay any lawful fee that was earned before cancellation, unless prohibited by applicable law.

Momentum may terminate services if a client provides false or misleading information, fails to cooperate, requests that Momentum engage in unlawful conduct, fails to provide required documents, violates applicable terms, or if Momentum determines that it cannot continue services in compliance with applicable law.

If Momentum terminates services, any refund will be handled according to this policy and applicable law.

Momentum's services are limited to the services described in this policy and any applicable service agreement.

Momentum is not a law firm and does not provide legal representation.

Momentum does not represent clients in court, arbitration, litigation, collection defense, bankruptcy, debt settlement, tax matters, or any legal proceeding.

This policy shall be governed by the laws of the State of Florida, except where federal law or another state's mandatory consumer protection law applies.

Questions, cancellation requests, and support requests may be directed to:

Thank you.