Terms and Conditions for Credit Logistic Effective Date: 2/12/2025 1. Introduction By accessing or using the services provided by Credit Logistic, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully before using our services. 2. Services Credit Logistic provides credit repair, credit education, business credit development, debt settlement, and related services. Our services include, but are not limited to, credit report analysis, dispute resolution, credit coaching, and financial literacy programs. 3. Subscription and Payment Subscription-Based Services: If you select a subscription plan, you agree to pay the recurring fees as specified in your plan. Subscriptions are billed on a monthly basis. Payments: Payments for services are due upon enrollment or as otherwise specified. You authorize us to process payments through the payment method you provide. Refunds:Refunds are not provided for services already rendered. If you cancel your subscription within three business days of signing, you may be eligible for a full or partial refund. Initial setup, consultation, and administrative fees are non-refundable. 4. Cancellations You may cancel any subscription service at any time. To avoid the next billing cycle, cancellations must be submitted before the renewal date. If you cancel within three business days of signing up, you may receive a full or partial refund. 5. No Guarantee of Results Credit Logistic does not guarantee specific results. Credit repair outcomes depend on various factors, including the accuracy of information provided by clients and third parties. While we make reasonable efforts to help improve your credit, we cannot guarantee a particular outcome. 6. Client Obligations You agree to provide accurate, complete, and timely information to Credit Logistic. You are responsible for any action taken based on the advice or services provided by us. Failure to cooperate may impact the effectiveness of the services. 7. Privacy and Data Security Your privacy is important to us. We collect and use your personal information in accordance with our Privacy Policy, which is available on our website. By using our services, you consent to the collection, use, and disclosure of your information as described in the Privacy Policy. 8. Intellectual Property All content, materials, and intellectual property provided by Credit Logistic are owned by or licensed to us and are protected by copyright and trademark laws. You may not use, reproduce, or distribute any of our intellectual property without written permission. 9. Dispute Resolution Any disputes arising out of or related to these Terms and Conditions shall be resolved through binding arbitration, rather than in court. By using our services, you agree to submit any disputes to arbitration in accordance with the laws of the state where Credit Logistic is located. 10. Limitation of Liability Credit Logistic is not liable for any indirect, incidental, special, or consequential damages arising from the use of our services. Our liability is limited to the amount paid by the client for services rendered. 11. Modifications to Terms Credit Logistic reserves the right to update or modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on our website. It is your responsibility to review these terms periodically. 12. Contact Information If you have any questions about these Terms and Conditions or our services, please contact us at: Customer Service: (501) 669-6830 Email: info@creditlogistic.com Website: www.creditlogistic.com By using our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.