Introduction

These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions you warrant and represent that you are at least 18 years of age.

This website uses cookies. By using this website and agreeing to these terms of use and conditions, you agree to all of the pages referenced under the “Policy Menu” on the footer section of our website, you consent to our “MCA”, “Ministry of Civil Affairs™” A/K/A _TMMinistry of Civil Affairs© PMA (Private Membership Association), (Declaration of PMA below), “ENCRYPTED SUPPORT LP”, “CreditPrivacyNumber.com”, “Ministry of Civil Affairs” use of cookies in accordance with the terms of, TO BE FURTHER REFERRED TO AS: CreditPrivacyNumber.com, Ministry of Civil Affairs privacy policy / cookies policy.

License to use website

Unless otherwise stated, CreditPrivacyNumber.com and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages or other content from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

• republish material from this website (including republication on another website);
• sell, rent or sub-license material from the website;
• show any material from the website in public;
• reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
• edit or otherwise modify any material on the website; or
• redistribute material from this website except for content specifically and expressly made available for redistribution.

Where content is specifically made available for redistribution, it may only be redistributed within your organization.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without CreditPrivacyNumber.com express written consent.

You must not use this website to transmit or send unsolicited commercial communications.

You must not use this website for any purposes related to marketing without CreditPrivacyNumber.com express written consent.

Restricted access

Access to certain areas of this website is restricted. CreditPrivacyNumber.com reserves the right to restrict access to other areas of this website, or indeed this entire website, at CreditPrivacyNumber.com discretion.

If CreditPrivacyNumber.com provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

CreditPrivacyNumber.com may disable your user ID and password in CreditPrivacyNumber.com sole discretion without notice or explanation.

User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

You grant to CreditPrivacyNumber.com a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to CreditPrivacyNumber.com the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or CreditPrivacyNumber.com or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

CreditPrivacyNumber.com reserves the right to edit or remove any material submitted to this website, or stored on CreditPrivacyNumber.com servers, or hosted or published upon this website.

Notwithstanding CreditPrivacyNumber.com rights under these terms and conditions in relation to user content, CreditPrivacyNumber.com does not undertake to monitor the submission of such content to, or the publication of such content on, this website.

No warranties

This website is provided “as is” without any representations or warranties, express or implied. CreditPrivacyNumber.com makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, CreditPrivacyNumber.com does not warrant that:

• this website will be constantly available, or available at all; or
• the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

Limitations of liability

CreditPrivacyNumber.com will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

• to the extent that the website is provided free-of-charge, for any direct loss;
• for any indirect, special or consequential loss; or
• for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if CreditPrivacyNumber.com has been expressly advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit CreditPrivacyNumber.com liability in respect of any:

• death or personal injury caused by CreditPrivacyNumber.com negligence;
• fraud or fraudulent misrepresentation on the part of CreditPrivacyNumber.com; or
• matter which it would be illegal or unlawful for CreditPrivacyNumber.com to exclude or limit, or to attempt or purport to exclude or limit, its liability.

Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other parties

You accept that, as a limited liability entity, CreditPrivacyNumber.com has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against CreditPrivacyNumber.com officers or employees in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect CreditPrivacyNumber.com officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as CreditPrivacyNumber.com.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

Indemnity

You hereby indemnify CreditPrivacyNumber.com and undertake to keep CreditPrivacyNumber.com indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by CreditPrivacyNumber.com to a third party in settlement of a claim or dispute on the advice of CreditPrivacyNumber.com advisers) incurred or suffered by CreditPrivacyNumber.com arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these terms and conditions

Without prejudice to CreditPrivacyNumber.com other rights under these terms and conditions, if you breach these terms and conditions in any way, CreditPrivacyNumber.com may take such action as CreditPrivacyNumber.com deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Variation

CreditPrivacyNumber.com may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

Assignment

CreditPrivacyNumber.com may transfer, sub-contract or otherwise deal with CreditPrivacyNumber.com rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions, together with Privacy Policy, Refund Policy, Quality Policy, Terms of Use & E-Sign Consent constitute the entire agreement between you and CreditPrivacyNumber.com in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

Governing Documents, Integration, and Non-Reliance on Oral Statements

1.1. The Complete Agreement

The legal relationship between you (the “Client”) and Ministry of Civil Affairs (the “Company”) regarding refunds is governed exclusively by this Refund Policy document. This document constitutes the complete, fully integrated, and exclusive agreement between the parties on the subject of refunds.

1.2. Superseding Prior Communications

This Refund Policy supersedes any and all prior or contemporaneous discussions, negotiations, proposals, representations, warranties, and agreements, whether oral, written, or electronic, between the Client and the Company concerning the subject matter of refunds.

1.3. No Authority of Agents and Non-Reliance

No agent, employee, contractor, or representative of the Company has the authority to bind the Company to any affirmation, representation, promise, or warranty concerning refunds that is not expressly and specifically included within this written Refund Policy. For the avoidance of doubt, any communication or statement made verbally (whether in person, by telephone, or via video conference), through informal electronic means (such as live chat or social media), or in any other medium outside of this Refund Policy, is not binding on the Company and shall not form a part of this agreement. You hereby affirm and acknowledge that you have not relied on any such oral or extrinsic statements when making a purchase or when inquiring about refund eligibility.

Copyright

All content included in or made available through any Ministry of Civil Affairs Service, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software is the property of Ministry of Civil Affairs or its content suppliers and protected by international copyright laws. The compilation of all content included in or made available through any Ministry of Civil Affairs Service is the exclusive property of Ministry of Civil Affairs and protected by U.S. and international copyright laws.

Trademarks

Ministry of Civil Affairs’s trademarks registered and unregistered marks that may be found on Ministry of Civil Affairs’s website and within its software. In addition, graphics, logos, page headers, button icons, scripts, and service names included in or made available through any Ministry of Civil Affairs Service are trademarks or trade dress of Ministry of Civil Affairs in the U.S. and other countries. Ministry of Civil Affairs’s trademarks and trade dress may not be used in connection with any product or service that is not Ministry of Civil Affairs’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Ministry of Civil Affairs. All other trademarks not owned by Ministry of Civil Affairs that appear in any Ministry of Civil Affairs Service are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Ministry of Civil Affairs.

PRIMARY DISPUTES

Any dispute or claim relating in any way to your use of any Ministry of Civil Affairs Service, or to any products or services sold or distributed by Ministry of Civil Affairs or through www.creditprivacynumber.com will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Anguilla, British West Indies Arbitration Act apply to this agreement. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of these Conditions of Use as a court would. To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to our Attorney in Fact at: attorney@creditprivacynumber.com. The arbitration will be conducted by the Anguilla, British West Indies Arbitration Association under its rules. Payment of all filing, administration and arbitrator fees will be governed by the Anguilla, British West Indies Arbitration rules. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location. We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.

APPLICABLE LAW

By using any Ministry of Civil Affairs Service, you agree that the Anguilla, British West Indies laws without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Ministry of Civil Affairs & creditprivacynumber.com.

HOW TO SERVE A SUBPOENA OR OTHER LEGAL PROCESS

Ministry of Civil Affairs accepts service of subpoenas or other legal process only through Ministry of Civil Affairs’s Attorney In Fact at the following address: attorney@creditprivacynumber.com

Attn: Legal Department – Legal Process

Please note also that providing detailed and accurate information at the outset will facilitate efficient processing of your request.

CreditPrivacyNumber.com

You can contact CreditPrivacyNumber.com by emailing: support@creditprivacynumber.com

Ministry of Civil Affairs™

Ministry of Civil Affairs™ has posted this message in plain sight on the front page of our webpage so consumers can be aware “CPN’s” are defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGHOUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDERS LEGALLY ORIGINATED BY THESE SAME BANKS.

IT IS OUR STATEMENT THAT Ministry of Civil Affairs™ IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS:

1. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers’ credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers (“EINs”), Taxpayer Identification Numbers (“TINs”), or alternative Social Security Numbers in lieu of the consumers’ own Social Security Numbers;
2. Representing that the building of a new credit record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer’s own social security number is legal;
3. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers’ credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and
4. Misrepresenting any fact material to a consumer’s decision to purchase our products or services.
5. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers’ credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers (“DBNs”), Employer Identification Numbers (“EINs”), Taxpayer Identification Numbers (“TINs”), or alternative Social Security Numbers in lieu of the consumers’ own Social Security Numbers;
6. Representing that the building of a new credit record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer’s own Social Security Number is legal;
7. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers’ credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and
8. Misrepresenting any fact material to a consumer’s decision to purchase our products or services.

Ministry of Civil Affairs™ cannot guarantee approvals and will not issue any refunds because of no approvals.

Ministry of Civil Affairs™ CANNOT issue a refund on trade-line/tradeline services in the event tradeline(s) do not populate onto Base Profile Product Credit Profile Number or Social Security Number when buying tradelines à la carte or as part of a package on our packages page.

If you find that your order contains information other than the information needed to complete your order we recommend contacting us for assistance if you experience any issues receiving or downloading our products.

Ministry of Civil Affairs™ will not issue refunds on any orders containing CPN(s) Ministry of Civil Affairs™ did not generate due to unforeseen factors during the development of the CPN that may cause any of our services not to perform as intended.

Advanced deposit for products or services: If you made a deposit on a service or product to secure a discount price or otherwise, all deposits are non-refundable. However, you can apply the deposit to other products or services if you change your mind about the original product or service you made a deposit for.

Refund Policy for tradelines and CPN services

Disclaimer on Tradeline Authorized Users and CPN Services

Please be advised that we cannot guarantee tradeline authorized users, as these services are provided by third-party vendors beyond our control. Due to frequent changes in financial institutions, we also cannot offer refunds for credit privacy numbers (CPNs).

While we strive to assist you in creating and maintaining your privacy file, using a CPN is at your own risk. We can confirm that using a CPN in commerce is legal; however, we cannot ensure that third-party companies will accept CPNs, even if you disclose your use of one.

CPNs do not have established legal guidelines; however, we emphasize the importance of ensuring your CPN is valid, that a trimerged report has been completed, and that public records are accurate to successfully build your CPN profile.

As the financial landscape changes, we cannot guarantee the reliability of CPN files. Nevertheless, our credit privacy file package includes a Social Security Number (SSN) disclosure kit that enhances access to products and services without the need for a CPN or SSN. This kit is valuable and represents the insider information we provide through our communications.

The insights and educational support we offer far surpass any costs associated with our services. We understand that personal circumstances vary; whether you face threats or seek privacy, utilizing our files can help you navigate these challenges effectively.

To benefit from our services, you must actively engage in your file’s development. We provide extensive information, including guides, legal references, and direct support. Each file we create is ensured to be safe and unassociated with any other identity or financial matter. If an error occurs and your number is compromised, we will gladly create a new file for you at no additional cost.

We offer clear step-by-step instructions to help you manage your file responsibly to avoid any overlapping with your previous information. While we provide comprehensive guidance, we cannot accept responsibility for mistakes made by clients, even with ample resources available on our website.

Although we do not offer refunds, we provide substitutions, new files, credits toward other services, and ongoing support available five days a week. Thank you for your understanding and cooperation.

Base Profile Product Policy

The Base Profile Product you purchased is a digital product made specifically for you. We cannot put it “back on the shelf” so to speak. There is no refund for the “Base Profile Product” you already received and can still use regardless of your understanding of how to use it successfully or not. Our service and logic to set you up for success comes free of charge with the Digital Base Profile Product that you purchased and gets delivered to you. The additional free enhancements that come with the file add additional value to the consideration you have in commerce with rentals etc. We are here to help you achieve the mission you assigned to us by providing the data you need or the instructions to make all digital variables stack in your favor for your desired outcome.

New Business Start-Up Package

The statement on the business package service includes menu item #1 “get you Business Funding up to $10,000 in as soon as 5-weeks from service start date *Restrictions apply” is established within (5) weeks of business “work days” not including holidays and weekends. We have support 7 days a week but do not conduct business build-out procedures during the weekend as many websites are not processing business data audits from human users during the weekends. 5 weeks x 7 days equals 35 total days. 5 weeks in “business days” a.k.a. “weekdays” or “work days” is equivalent to a total of 46 days depending on holidays during the time of business management.

The price of the “New Business Start-Up Package” and the statement that the “price includes filing fees” signifies that our service covers and includes Secretary of State registration fees, domain registration, business email creation and forwarding, monthly hosting fees, 800 number setup fees, virtual address fees, and other business services as listed in the features of the service page. Ongoing operating costs, such as business address, 800 number, domain, business email creation and forwarding, and monthly hosting fees, will be absorbed by MCA for a period of two (2) months, after which the client will assume responsibility for all subsequent payments. Third party will begin billing the client for business email, annual domain management, and monthly hosting fees once the two-month credit period expires. Clients are required to log into their accounts and replace MCA’s credit card with their own for future billing related to the business address and 800 number. If the client fails to update the default billing method, MCA will send reminder notices to ensure that clients remain up to date with their business services necessary for their success. Should the default payment method not be updated, MCA or one of its members or administrator members will add a handling and processing charge to the management fees of the affected services and allow the client to pay by a method that is most suitable for them. In the event that the registered business owner does not communicate regarding their business services and fails to pay for these services, the 800 number, virtual address, domain, business email, and hosting may be suspended, making your business and web presence unreachable to the public. Clients will receive email notifications about the status of their business services associated with their business build-out to help them stay informed and ensure the best chance of success during the processing of establishing their new business structure.

Additionally, “5-weeks to $10,000.00” assumes that there is a PG a.k.a. Personal Guarantor attached to the business with a 690+ FICO© Credit Score via a Credit Privacy File or an attached SSN Credit Profile. “Up to” can mean any approvals we get you “up to” $10,000 which can be any amount up to the stated $10,000 shown. You agree that the Business Start-Up Package is not refundable since the logic and consultancy that goes into assessments and directives of your business’s management cannot be put back on the shelf so to speak to be returned and sold to another party. Additionally, you will receive support up to 90 days with any edits on your website or with the secretary of state to file amendments to business structure or data. The 90 days starts from the time you make your first payment for the business build-out service. If you need support outside of the 90-day window then a service and consultation fee will be charged at $50 an hour for any changes or updates to the business structure or website. For less expensive website management after the 90 days go to brandmetrics.us to manage your domain and wordpress hosting access.

Pursuant to your acceptance of the Terms of Service and your acknowledgment of the E-Sign Consent Agreement through the registration process, should you have made your 50% deposit towards your business build-out, participated in a business consultation (valued at $150 per hour, but typically included at no additional charge for business clients), and received via email the bonus materials and guides emails, as well as access to the Business Intelligence Package and the supplemental business grants materials, any request for a refund will be denied. By continuing to possess and utilize the proprietary knowledge and methods provided through the bonus materials and consultation services, which have tangible value, it is understood that this information has contributed to your decision-making process and future business endeavors. Accordingly, these materials retain their value regardless of any refund request.

Document Delivery:
Your new Corporate Articles will be sent to you via email. Please print them upon receipt. We will send your IRS EIN paperwork and Secretary of State Articles to the email address you provide during your registration and phone consultation setup interview.

Required: Business Address Verification
Verifying your business address is one of the few steps you must complete personally. While we handle 45 points of business compliance on your behalf, address verification is essential and cannot proceed without your action. We provide you a complete written and video tutorial on how to complete your business address verification so you don’t have any problems moving forward.

Why Address Verification Matters
If you choose not to verify your business address, we cannot move forward with building out your business. Here’s why:
If we were to proceed without verification and your business address mailing agency later recirculates the unverified address, we would need to:

-File amendments with the Secretary of State to update your address
-Reissue your press release with the corrected address
-Resubmit your IRS EIN paperwork with the updated information

Bottom Line
Verifying your business address upfront is integral to establishing successful business relations with the commercial market and avoiding costly amendments down the road.

Credit Repair Service Terms

There are no pro-rated refunds. Once your account is cancelled your access to the site will be revoked. You agree that fees collected are non-refundable. All cancellation shall also be strictly subject to the terms and conditions of the MCA Service Agreement. In the event of a conflict between the terms and condition contained in this Terms of Use and the MCA Services Agreement, the MCA Services Agreement shall prevail and be deemed the governing document.

When managing a clients Credit Repair if a court summons response is initiated by the lender the client will need to seek additional services or self defend that case when a communication from the lender is received. We do not guarantee all outcomes will be positive. All lenders and Collection Agencies respond to disputes in a myriad or aggressive and intimidating ways.

MANDATORY CREDIT MONITORING ACCOUNT REQUIREMENT As a condition of service and a material term of this Agreement, the Client/Member acknowledges and agrees to the following Credit Monitoring Requirement: GENERAL REQUIREMENT In order for the Company to provide any and all services related to credit repair, hard inquiry removal, complementary hard inquiry removal, or any other credit-related dispute services, the Client/Member MUST maintain an active, paid credit monitoring subscription account throughout the duration of service. This requirement is non-negotiable and applies to ALL credit repair services and hard inquiry removal services offered by the Company, including but not limited to: hard inquiry removal services, complementary hard inquiry removal services, credit repair services, credit dispute services, credit profile optimization services, and any other service requiring access to or review of Client’s credit data.

CREDIT MONITORING ACCOUNT SPECIFICATIONS The credit monitoring account MUST meet the following minimum requirements: The account must be an active, paid subscription service. Free trials, limited-access accounts, or expired subscriptions do not satisfy this requirement. The monitoring service must provide current, real-time data from ALL THREE major credit reporting bureaus: Equifax, Experian, and TransUnion. The credit monitoring account must display current and up-to-date credit report information, including but not limited to credit scores from all three bureaus, complete credit report data, hard and soft inquiry listings, account histories and tradelines, public records, and personal identifying information. Client must be able to provide login credentials or authorized access to the Company’s representatives as needed to perform the requested services.

APPROVED CREDIT MONITORING SERVICES The following credit monitoring services are generally accepted, subject to verification that they meet the requirements above: IdentityIQ (recommended), SmartCredit, MyScoreIQ, PrivacyGuard, or any other tri-bureau paid monitoring service that meets the specifications outlined above. The following DO NOT satisfy this requirement: free credit monitoring services such as Credit Karma or Credit Sesame, single-bureau monitoring services, expired or inactive subscriptions, trial memberships, and bank or credit card provided free monitoring unless it provides paid tri-bureau access.

RATIONALE AND ACKNOWLEDGMENT Client/Member acknowledges and understands that effective credit repair and hard inquiry removal requires access to current, accurate, and comprehensive credit data from all three major credit bureaus. Without access to real-time, tri-bureau credit data, the Company cannot effectively identify, dispute, or track the removal of inaccurate, erroneous, or questionable items on the Client’s credit reports. Free credit monitoring services often provide limited, delayed, or incomplete data that is insufficient for professional credit repair and dispute services. The paid credit monitoring requirement exists to ensure the highest quality of service and the greatest likelihood of successful outcomes for the Client.

CONSEQUENCES OF NON-COMPLIANCE Failure to maintain an active, paid, tri-bureau credit monitoring account as specified herein shall result in one or more of the following: Suspension of Services: The Company reserves the right to suspend all credit repair and/or hard inquiry removal services until the Client establishes and maintains a compliant credit monitoring account. Delayed Processing: Any pending disputes, inquiries, or credit repair work may be delayed or placed on hold until compliance is achieved. Limitation of Liability: The Company shall not be held liable for any delays, unsuccessful disputes, or inability to perform services resulting from the Client’s failure to maintain a compliant credit monitoring account. No Refunds: No refunds shall be issued for services that cannot be performed or completed due to the Client’s non-compliance with this Credit Monitoring Requirement.

CLIENT RESPONSIBILITIES The Client/Member agrees to establish a compliant credit monitoring account PRIOR to the commencement of any credit repair or hard inquiry removal services. The Client agrees to maintain the credit monitoring account in active, paid status throughout the entire duration of the service period. The Client agrees to provide accurate login credentials and/or authorized access to the Company’s representatives upon request. The Client agrees to promptly notify the Company of any changes to the credit monitoring account status, including but not limited to cancellation, expiration, or change of service provider. The Client agrees to ensure that credit monitoring account credentials remain current and accessible to the Company throughout the service period.

AUTHORIZATION AND CONSENT By agreeing to these Terms of Use and/or Membership Agreement, the Client/Member authorizes the Company and its representatives to access the Client’s credit monitoring account for the sole purpose of providing the contracted credit repair and/or hard inquiry removal services. The Client consents to the Company viewing, reviewing, and utilizing credit report data obtained through the credit monitoring account to perform dispute and credit repair services. The Client acknowledges that all information obtained from the credit monitoring account will be kept confidential and used solely for the purposes outlined in this Agreement.

We may share, transfer or provide your information as indicated in our Privacy Policy. Based on your consent, you may be contacted by third-party service providers, such as financial institutions, debt settlement companies, lenders and other financial professionals (“Providers”). We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Provider’s products or services. We urge you to obtain the advice of qualified professionals who are fully aware of your individual circumstances before you make any financial decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Providers.

Representations

You represent and warrant to us that (a) you are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the General Terms and applicable law and (d) your use of the Sites and any transactions that you make with us will not violate the rights of any third party.

MCA Credit Repair Service Agreement Summary

Time Frame Information

Express Credit Repair Service

• Standard timeframe: Completion within 60 business days
• Important Note: If you have over $50,000 in debt, the service will likely exceed the express timeframe and default to the standard credit repair service time frame below.
• Express Service Timeline Clarification: Our “all accounts taken care of within 60 days” guarantee under the Express Credit Repair Service means that within this timeframe:
  • All accounts in your credit monitoring profile will be thoroughly reviewed.
  • Immediate action will be initiated on derogatory accounts or those you’ve specifically requested we address.

  Important Notes:

  • While we proactively mediate disputes and negotiate resolutions on your behalf, third-party delays (e.g., creditors or bureaus employing slow response tactics) may occasionally extend resolution timelines beyond 60 days, despite our efforts.
  • “Taken care of” signifies that every account is actively being worked on—disputed, negotiated, or challenged—through consistent communication with all involved parties until resolution.

  We prioritize transparency and persistence to ensure your credit profile moves toward improvement as efficiently as possible.

Default to Standard Credit Repair Service

• Timeframe: Significant progress within 3-12 months
• If you have the express credit repair and have over $50,000 in debt you will be provided a $500 credit applied when $50,000+ in debt is removed from your credit profile when and if the express credit repair timeline is exceeded is put into the standard credit repair service time frame.

Additional Service Fee Structure

Additional Payment Terms for Debts Exceeding $51,000

1. Once MCA successfully deletes at least $51,000 in excess debt, the additional success fees become due
2. Payment timeline:
   • Balance payment required within 30 days following proof of successful bulk deletions
   • Full remaining balance due within 60 days of the date of bulk deletions
3. Important: Any unpaid balance will result in a lien placed on your credit, which will be removed upon full payment

For complete details, please refer to the “MCA Credit Repair Service Agreement” on our website here: https://creditprivacynumber.com/credit-repair-service-2024/

Software & Training Program

Software & Training Program: Any monies used to secure your spot for the training program become non-refundable 24 hours prior to your registered training date and time requested. You agree that since we cannot replace your training slot on such short notice and the trainer has to prepare for your training session based on your unique situation as previously discussed. You agree this is a reasonable condition and request for the program you registered under. Disclaimer: Please keep in mind we or your trainer are not a lawyer or certified public accountant, and the training should not be considered legal or financial advice. You should seek appropriate counsel for your own situation.

Software & Training Program Training Disclosure Notice Continued