1. Acceptance of Terms By accessing our website, enrolling in our services, or communicating with us, you agree to be bound by these Terms and Conditions, our Privacy Policy, and all applicable laws and regulations. If you do not agree, you may not use our services. 2. Services Provided Beyond Credit Limits Corporation provides credit education, credit report analysis, consulting, and document preparation support. We help clients understand their credit rights under federal law and assist in the preparation of disputes and communications with credit bureaus or data furnishers. We do not charge for credit repair services. Clients pay a one-time setup/onboarding fee which covers administrative support, credit education, document preparation, and compliance-related work. Results vary based on client participation and accuracy of the credit reporting data. No specific outcome or deletion is guaranteed. 3. Client Responsibilities Clients agree to: Provide accurate and complete personal and financial information Actively participate in the credit education process Respond promptly to communications Not misuse or misrepresent information or services 4. SMS Communication Consent By providing your phone number, you give express written consent to receive SMS messages and phone calls from Beyond Credit Limits Corporation for: Appointment reminders Account updates Credit education content Promotions and offers Billing notifications Text messages may be sent using automated systems. Standard carrier messaging and data rates may apply. Opt-In: You agree by checking a box on your intake form or replying “YES” to a message. Opt-Out: You may opt out at any time by replying “STOP” or emailing [email protected]. Opting out of SMS does not cancel your agreement or payment obligations. 5. Privacy and Data Use We value your privacy. See our full Privacy Policy below for information on how we collect, use, store, and share your data. 6. Payments and Fees All fees are disclosed before services begin. Clients agree to pay a one-time setup/onboarding fee for services related to administrative work, document preparation, and credit education. We do not charge for credit repair services. The onboarding fee supports administrative and compliance work, not for the act of improving credit directly. Important: After three (3) business days from the date of payment, all payments are non-refundable, regardless of whether services have started or not. Exceptions may be granted in writing at the sole discretion of Beyond Credit Limits Corporation. 7. Cancellation Policy Clients may cancel services anytime by emailing [email protected]. However, cancellations after 3 business days from payment are not eligible for a refund. 8. No Guarantee of Results No company can promise a specific credit score increase, deletion, or result. Beyond Credit Limits Corporation provides lawful educational support and document prep services only. 9. Dispute Resolution If a dispute arises, we encourage clients to reach out directly to resolve the matter in good faith. You may contact us at [email protected] for any concerns or questions regarding services or policies. 10. Policy Changes We may update these Terms at any time. Changes take effect when published on our website. Additional Terms I, the client, understand that I may cancel this at any time before midnight on the third day after the date of the transaction. You may cancel this without any penalty or obligation within three business days after. If you cancel, any payment made by you under this will be returned within ten days after the date of receipt by the seller of your cancellation notice. To cancel this, mail or deliver a signed, dated copy of this cancellation notice, or other written to: If after three days, the client(s) financial institution attempts to issue a cancelation or reversal or insufficient funds dispute of the Professional Fee BCLC will apply a direct FEE of $250 for cancellation. Client(s) will be held responsible for the full price. The entire fee is considered earned by BCLC upon execution. BCLC reserves the right to pursue a direct action against the client and inform his/her creditors and reporting agencies of actions that materially violate FACTA fair and accurate consumer data provisions. Contact Us 📧 [email protected]