Consumer Disclosures
Refund Policy & Consumer Credit Education & Report Assistance Agreement
Momentum Network · 5201 Waterford District, Miami, Florida 33126
Contents
Momentum Network provides consumer credit education, credit report review assistance, dispute preparation assistance, and related educational support to help clients understand their consumer credit reports and exercise their rights under applicable federal and state consumer protection laws.
This policy explains the general nature of the services provided, the limitations of those services, the client's rights, the Company's refund policy, and the client's right to cancel.
Momentum Network does not guarantee any specific credit score increase, credit approval, financing approval, loan approval, deletion of any credit report item, or other financial outcome.
No statement made by Momentum Network, its representatives, affiliates, agents, employees, or independent contractors should be interpreted as a guarantee that any item will be removed from a client's credit report or that a client's credit score will improve.
Purpose of Services
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.
Services Provided
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.
Services Not Provided
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.
Client Responsibilities
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.
Client Authorization
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.
Fees and Payment Terms
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.
Refund Policy
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].
Notice of Right to Cancel
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].
Consumer Credit File Rights
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.
No Guarantee of Results
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.
Accurate Negative Information
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.
Third-Party Services
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.
Privacy and Authorization to Access Information
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.
Electronic Signature and Electronic Communication Consent
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].
Term of Services
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.
Cancellation by Client
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.
Termination by Momentum
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.
Limitation of Services
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.
Governing Law
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.
Contact Information
Questions, cancellation requests, and support requests may be directed to:
Thank you.
Consumer Disclosures
Refund & Cancellation Policy
Momentum Network Financial LLC · Optima Individual and Optima Family Memberships
Contents
This Refund and Cancellation Policy applies to Optima Individual and Optima Family memberships purchased from Momentum Network Financial LLC ("Momentum," "we," "us," or "our").
Scope of This Policy
This Refund and Cancellation Policy applies to Optima Individual and Optima Family memberships purchased from Momentum Network Financial LLC ("Momentum," "we," "us," or "our").
An Optima Membership provides bundled access to multiple financial-wellness, educational, organizational, credit-focused, technology, and customer-support services offered by Momentum Network Financial LLC and fulfilled in part through the Momentum American Credit ("MAC") platform. Depending on the services available to the member, the bundle may include financial education, budgeting tools, net worth tracking, debt-payoff planning, savings tools, secure document storage, credit analysis and optimization, credit-building education, debt-relief guidance, AI-assisted educational support, credit-restoration support, progress and status tools, and specialist or customer-support communications.
The Optima Membership is purchased as one comprehensive membership. Membership charges provide access to the overall bundle and are not payments solely for credit-restoration services or allocated to any single service or feature.
Momentum Network Financial LLC is the customer-facing membership provider, contracting party, and merchant of record. MAC may provide certain fulfillment and platform services but does not independently bill Optima customers or issue refunds for Optima Membership charges.
Membership Plans and Billing
The current Optima Membership plans are shown below. The applicable charges and recurring billing authorization are disclosed and accepted during enrollment.
| Plan | Membership Coverage | Initial Charge | Monthly Charge |
|---|---|---|---|
| Optima Individual | One person | $249.99 | $99.99 |
| Optima Family | Primary member plus one additional eligible person | $299.99 | $149.99 |
The initial membership charge is processed upon enrollment. Recurring monthly charges are processed on the scheduled billing date disclosed during enrollment and continue until the membership is canceled in accordance with this Policy.
Ordinary Membership Cancellation
A customer may cancel an Optima Membership at any time without a cancellation penalty. Ordinary cancellation requests must be submitted exclusively by email to [email protected].
The cancellation email should be sent from the email address associated with the membership and should include the customer's full legal name, the email address associated with the account, and the membership or customer identification number, if available.
Momentum will send an email confirming receipt and processing of the cancellation request. Customers should retain this confirmation for their records.
Cancellation stops future recurring membership charges. The customer will retain access to the membership platform and included services through the end of the billing period that has already been paid.
To prevent the next recurring charge, the cancellation request must be received before that charge is submitted for processing. If a charge has already been submitted or processed before Momentum receives the cancellation request, the cancellation will apply to the following billing cycle, subject to the refund exceptions described below and any rights required by applicable law.
For an Optima Family Membership, the primary account holder must submit the cancellation request. Cancellation of the primary membership ends access for both members at the conclusion of the current paid billing period.
Legally Required Cancellation Rights
Certain services included within the Optima Membership may be subject to additional cancellation or refund rights under applicable federal or state law.
Nothing in this Policy limits, replaces, or waives any non-waivable consumer right. When applicable law, the Client Terms and Conditions, a service-specific agreement, or a legally required disclosure provides a more protective cancellation or refund right, the more protective requirement will control.
Momentum will honor any cancellation method, deadline, refund obligation, or notice requirement mandated by applicable law. The email-only procedure described above applies to ordinary membership cancellations and does not restrict any different cancellation method that Momentum is legally required to accept.
Initial Membership Charges
The initial Optima Membership charge is refundable when a customer timely exercises an applicable statutory cancellation right.
After the applicable legal cancellation period has expired, the initial membership charge is nonrefundable once membership access and the bundled benefits have been made available, except when a refund is required by applicable law; Momentum processes a verified duplicate or incorrect charge; Momentum processes a verified charge without valid authorization; or Momentum is unable to provide material access to the purchased membership and does not correct the access problem within a reasonable period after receiving written notice.
Failure to use the platform, complete onboarding, submit requested information, upload documents, communicate with a specialist, or use available membership benefits does not by itself create a right to a refund after the applicable cancellation period has expired.
Recurring Monthly Charges
Recurring monthly membership charges that have already been processed are nonrefundable, and no partial or prorated refund will ordinarily be issued for the remaining portion of a billing period.
Exceptions apply when a refund is required by applicable law; Momentum receives a valid cancellation request before the charge is submitted for processing but processes the charge afterward; the charge is a verified duplicate or billing error; or the charge was processed without valid authorization.
When a recurring payment is not refundable, the customer will continue to have access to the membership and its included services through the end of the paid billing period.
A customer's dissatisfaction with a particular financial, educational, credit-related, or other outcome does not by itself establish eligibility for a refund. Momentum does not guarantee any particular credit score, deletion, financial result, debt reduction, approval, or other specific outcome.
Billing Errors and Refund Requests
Refund requests and billing questions must be submitted to [email protected]. The request should include the customer's name, membership email address, transaction date, charge amount, and a brief explanation of the issue.
Customers should never email a complete payment-card number, Social Security number, or other unnecessary sensitive information.
Verified billing errors and duplicate charges will be corrected. Approved refunds will be returned to the original payment method. Legally required refunds will be provided within the period required by applicable law. Other approved refunds will ordinarily be submitted by Momentum within 10 business days, although the customer's bank or card issuer may require additional time to post the credit.
SmartCredit and Other Separately Billed Services
SmartCredit is an independent third-party credit-monitoring provider. Although access to discounted credit-monitoring opportunities may be presented as an Optima Membership benefit, any SmartCredit subscription is purchased separately and billed directly by SmartCredit under SmartCredit's own terms, pricing, refund, billing, and cancellation policies.
SmartCredit charges are not included in the Optima Membership payments processed by Momentum Network Financial LLC. Momentum cannot cancel or refund a charge processed directly by SmartCredit. Customers must contact SmartCredit regarding those charges.
The same rule applies to any other optional third-party product or service purchased and billed directly by an outside provider.
Contact Information
Miami, Florida 33126
Email: [email protected]
Telephone: (786) 233-0104
The telephone number may be used for general customer-support questions. Ordinary membership cancellation requests must be submitted by email to [email protected] so that Momentum can maintain a written and verifiable cancellation record.
Policy Updates
Momentum may update this Policy prospectively by posting a revised version. No update will eliminate a refund or cancellation right that a customer has already acquired under applicable law or the terms governing a previously processed transaction.