TERMS & CONDITIONS Rise Up Credit Effective Date: May 2025 Contact: support@scoreriseup.com

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE PURCHASING OR PARTICIPATING IN ANY RISE UP CREDIT SERVICE. BY COMPLETING YOUR PURCHASE, YOU AGREE TO BE BOUND BY THESE TERMS IN FULL.

1. ACCEPTANCE OF TERMS

By purchasing the Rise Up Credit Fast Track Credit Repair Program, you ("Client") agree to these Terms and Conditions in their entirety. These terms constitute a binding agreement between you and Rise Up Credit ("Company," "we," "us," or "our"). If you do not agree to these terms, do not complete your purchase.

2. DESCRIPTION OF SERVICES

Rise Up Credit provides credit repair education and dispute assistance services. Our Fast Track Credit Repair Program includes:

Full 3-bureau credit report analysis (Equifax, Experian, and TransUnion)
Customized dispute letters targeting inaccurate, unverifiable, or outdated items
A personalized credit-building roadmap
120 days of support access via email
A credit education resource guide

Services are delivered electronically via email and written correspondence. Rise Up Credit does not guarantee any specific outcome, credit score increase, or removal of any particular item from your credit report.

3. PROGRAM FEE

The Fast Track Credit Repair Program is offered at an introductory flat rate of $397.00 (USD), paid in full at the time of purchase. This is a one-time fee. There are no installment plans, no deferred payments, and no additional fees charged by Rise Up Credit beyond the initial $397.00 program fee.

4. MANDATORY CREDIT MONITORING REQUIREMENT

4.1 Requirement to Participate Participation in the Rise Up Credit Fast Track Program requires that the Client maintain an active, paid credit monitoring subscription for a minimum period of 120 consecutive days from the date of program enrollment. This requirement is non-negotiable and is a condition of receiving services.

4.2 Cost and Provider The credit monitoring subscription is provided by a third-party provider at a cost of $29.90 per month. This fee is separate from and in addition to the $397.00 program fee. This subscription is billed directly by the third-party provider and is not collected by Rise Up Credit.

4.3 Purpose The credit monitoring subscription is required because it provides Rise Up Credit with the real-time access to your 3-bureau credit reports necessary to effectively manage your dispute process, track bureau responses, and monitor score changes throughout the program.

4.4 Client Responsibility It is the Client's sole responsibility to establish, maintain, and keep active the required credit monitoring subscription for the full 120-day minimum period. Rise Up Credit is not responsible for any delays, interruptions, or reduced results caused by the Client's failure to maintain an active subscription.

4.5 Cancellation of Monitoring If the Client cancels or allows the credit monitoring subscription to lapse before the 120-day minimum period has elapsed, Rise Up Credit reserves the right to suspend or discontinue services. No refund will be issued in this circumstance.

5. NO REFUND POLICY

5.1 All Sales Are Final Rise Up Credit maintains a strict no refund policy. All purchases are final. Once payment of the $397.00 program fee is processed, no refunds, partial refunds, credits, or chargebacks will be issued under any circumstances, including but not limited to:

Dissatisfaction with results
Failure to achieve a specific credit score increase
Failure to have a specific item removed from your credit report
Change of mind after purchase
Failure to set up or maintain the required credit monitoring subscription
Inability to participate in the program after purchase
Duplicate purchases made in error

5.2 Chargeback Policy By completing your purchase, you agree not to initiate a chargeback or dispute with your bank or credit card provider. Any chargeback filed will be disputed by Rise Up Credit with full documentation of services rendered and these agreed-upon terms. Rise Up Credit reserves the right to pursue recovery of disputed funds and associated fees.

5.3 No Guarantee of Results The no refund policy applies regardless of outcome. Credit repair results are not guaranteed. Under the Fair Credit Reporting Act (FCRA), only inaccurate, incomplete, or unverifiable information may be disputed and removed. Accurate negative information cannot be removed regardless of the dispute method used. Rise Up Credit makes no promise, express or implied, of any specific result.

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