Terms and Conditions

Agreement between User and thecreditminder.com

Welcome to thecreditminder.com . The thecreditminder.com website (the “Site”) is composed of various web pages operated by i4 Small Business Services. thecreditminder.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of thecreditminder.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference. thecreditminder.com is an E-Commerce Site.That helps consumers improve their credit profiles and scores through credit restoration and coaching. BY USING THE WEBSITE, ENGAGING i4 Small Business Services SERVICES, REQUESTING THAT i4 Small Business Services CONTACT YOU ABOUT ITS CREDIT REPAIR SERVICES, AND/OR PARTICIPATING IN i4 Small Business Services ’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS. Should you choose to engage i4 Small Business Services’s services, you will enter into a separate written agreement with i4 Small Business Services. Each legal file we create in conjunction with this separate written agreement is called a “Case File.” Your Case File will continue to be subject to the agreements otherwise governing them, except where so noted in the related agreement. Each Case File will be subject to the following:

The terms or instructions appearing on a screen when using the service; i4 Small Business Services’s policies and procedures applicable to the Case File and the online service; Applicable state and federal laws and regulations.

- Opt-in Message: You are successfully opted in for messages from ABC Company. Reply STOP to unsubscribe.Opt-in Keywords? Subscribe, Start

- Opt-In Keywords should be alphanumeric or accented characters. The use of spaces between keywords, such as 'I Agree' and 'Sign UP,' is not permitted. However, one-word keywords are acceptable. Suitable options include Subscribe, Start, Y, Yes, Confirm, and Register.

- Opt-out Message: You have successfully been unsubscribed. You will not receive any more messages from this number. Reply START to resubscribe.

- Opt-out Keywords: CANCEL, END, QUIT, UNSUBSCRIBE, STOP,

- Help Message: Reply STOP to unsubscribe. Msg&Data Rates May Apply.

- Help Keywords: HELP, INFO

Privacy

Your use of thecreditminder.com is subject to i4 Small Business Services’s Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Electronic Communications

Visiting thecreditminder.com or sending emails to i4 Small Business Services constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.Your Account If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity.

Children Under Thirteen

i4 Small Business Services does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use thecreditminder.com only with permission of a parent or guardian.

Cancellation/Refund Policy

You may cancel your subscription at any time. VSP/Public Service Plans refund policy: if we can’t get you results (any deletion) in 4 rounds we offer a full refund of your monthly subscription fee. Credit analysis, documents set up, and processing fee is non-refundable. PPD Plans Refund Policy: NO refund is offered for the only fee paid is the Credit analysis, documents set up, and processing fee which is non-refundable. All deleted items during the program are non-refundable. No Unlawful or Prohibited Use/Intellectual PropertyYou are granted a non-exclusive, non-transferable, revocable license to access and use thecreditminder.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to i4 Small Business Services that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site. All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of i4 Small Business Services or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto. You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. i4 Small Business Services content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of i4 Small Business Services and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of i4 Small Business Services or our licensors except as expressly authorized by these Terms.

Ownership

The Website contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the “Content”) that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by i4 Small Business Services. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, i4 Small Business Services retains all rights (including intellectual property rights), title and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the “Technology”)(the terms Content and Technology collectively will be referred to as the “Materials”). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.

International Users

The Service is controlled, operated and administered by i4 Small Business Services from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the i4 Small Business Services Content accessed through thecreditminder.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.IndemnificationYou agree to indemnify, defend and hold harmless i4 Small Business Services, its officers, directors, employees, and agents, for any losses, costs, liabilities and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement, or your violation of any applicable laws, rules or regulations. i4 Small Business Services reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with i4 Small Business Services in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator’s award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney’s fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.Class Action WaiverAny arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and i4 Small Business Services agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. i4 Small Business Services AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.i4 Small Business Services AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. i4 Small Business Services AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL i4 Small Business Services AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF i4 Small Business Services OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.Termination/Access Restriction i4 Small Business Services reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Florida and you hereby consent to the exclusive jurisdiction and venue of courts in Florida in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section. You agree that no joint venture, partnership, employment, or agency relationship exists between you and i4 Small Business Services as a result of this agreement or use of the Site. i4 Small Business Services’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of i4 Small Business Services’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by i4 Small Business Services with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and i4 Small Business Services with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and i4 Small Business Services with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English. Disclaimer i4 Small Business Services makes every effort to ensure the information presented in, on, or through its Website is accurate; however, i4 Small Business Services makes no guarantee as to such information and is not responsible for any resulting loss or damage. i4 Small Business Services does not guarantee the Provider Services. By using the Provider Services, you acknowledge i4 Small Business Services disclaims any and all liability whatsoever for any actions or inactions of Provider Services.i4 Small Business Services provides the Website for your convenience. You use and rely on the information therein at your sole risk.

Any representations, promises, recommendations or inducements that may be made by or through any party (including vendors) found at, on, through or from the Website; The timeliness, accuracy, reliability, completeness, legality, copyright compliance or decency of the Website; Any inaccuracy, omission, error or delay in the services offered on the Website; Non-performance of or interruption to the Website or its services due to (i) any act or omission by any disseminating party, (ii) any force majeure or any other cause beyond the control of any disseminating party, or (iii) outages, transmission quality or malfunctions of telephone circuits or computer systems, including any defects or failures with respect to your software computer systems or Internet access provider. The information provided in our social media posts, lead magnets, and campaigns is intended for illustration, information, and entertainment purposes only. It is not a substitute for professional advice. If you require legal advice or other expert guidance, please consult with a qualified professional. Please be aware that I am not a lawyer, financial advisor, or any other licensed professional. Therefore, I cannot provide you with professional advice. The content shared here is not meant to replace personalized guidance from experts in the respective fields. By engaging with our social media content, lead magnets, and campaigns, you acknowledge and agree to the terms of this disclaimer.

Changes to Terms i4 Small Business Services reserves the right, in its sole discretion, to change the Terms under which thecreditminder.com is offered. The most current version of the Terms will supersede all previous versions. i4 Small Business Services encourages you to periodically review the Terms to stay informed of our updates.

i4 Small Business Services 450 S Orange Ave Orlando, Florida 32801

Email Address: [email protected]

Telephone number: 689-215-8175

Effective as of May 01, 2024