This Service Agreement (“Agreement”) is entered into by and between FTT Consulting Group (“AGENT”) and the undersigned client (“CLIENT”).

By completing payment through the authorized Stripe checkout link, CLIENT agrees to the terms outlined below.

1. PURPOSE OF SERVICES

CLIENT is engaging AGENT to provide a 90-Day Credit Reset Service, designed to

support credit education, strategic review, and financial positioning guidance.

This program is purchased through Stripe for a one-time fee of $1,997 and includes the following services:

Initial credit report review and written credit analysis

Personalized credit improvement strategy and recommendations

Education on credit utilization, account management, and fund-ability factors

Written progress updates provided approximately every 45 days during the 90-day service period

This program does not include live coaching calls, ongoing one-on-one meetings, legal representation, or guaranteed outcomes.

2. AGENT RESPONSIBILITIES

AGENT agrees to:

Review CLIENT’s provided credit information and reports

Deliver written recommendations and strategy guidance based on best practices

Provide progress updates during the service term

Offer educational resources related to credit optimization

If applicable and at AGENT’s discretion, assistance with preparing credit dispute correspondence may be provided as a supporting service, not as a guaranteed outcome.

3. CLIENT RESPONSIBILITIES

CLIENT agrees to:

Provide accurate, truthful, and complete information

Review all materials and recommendations provided

Take responsibility for implementing recommended actions

Maintain communication and responsiveness during the 90-day term

CLIENT understands that results depend on their participation, financial behavior, and the accuracy of reported information.

4. NO GUARANTEES & LIMITATIONS

CLIENT acknowledges and agrees that:

No specific credit score increase, deletion, approval, or funding outcome is guaranteed

Accurate, current, and verifiable information cannot legally be removed from a credit report

AGENT does not control credit bureaus, lenders, or third-party institutions

Limitation of Liability:
To the maximum extent permitted by law, AGENT’s total liability under this Agreement shall not exceed the amount paid by CLIENT for the services.

5. CREDIT REPAIR ORGANIZATIONS ACT (CROA) DISCLOSURES

This Agreement is subject to the Credit Repair Organizations Act (15 U.S.C. § 1679).

CLIENT is advised of the following rights:

You have the right to cancel this contract within three (3) business days of purchase, without penalty or obligation

You may cancel by submitting written notice to:

FTT Consulting Group
Email: support@fttconsultinggroup.com

No one can legally remove accurate, current, and verifiable information from a credit report

AGENT does not provide legal advice and is not a law firm

6. PAYMENT TERMS

Program Fee: $1,997 (one-time payment)

Payment is processed securely via Stripe

Payment confirms enrollment and acceptance of this Agreement

Services will begin once payment is successfully completed and required on-boarding information is received.

7. REFUND & CANCELLATION POLICY

CLIENT may cancel within three (3) business days of purchase for a full refund

After the cancellation window, all fees are non-refundable due to time, resources, and service allocation

8. TERM & CONTINUATION OF SERVICES

The standard service term is 90 days from the service start date.

If, at the conclusion of the 90-day term, CLIENT’s credit file still contains unresolved inaccurate, incomplete, or unverifiable information that is actively being addressed, AGENT will continue providing services until the active review and dispute cycle for those items is completed, at no additional cost.

Either party may terminate this Agreement in writing at any time.

Termination does not obligate AGENT to issue refunds beyond the cancellation rights provided under the Credit Repair Organizations Act (CROA).

9. GOVERNING LAW

This Agreement shall be governed by and interpreted under the laws of the State of New Jersey, without regard to conflict-of-law principles.

10. ACCEPTANCE & ELECTRONIC CONSENT

By completing payment through Stripe, CLIENT acknowledges that they:

Have read and understood this Agreement

Have received all required disclosures

Agree to the terms and conditions outlined above

Electronic acceptance and payment constitute a legally binding agreement.