Terms & Conditions

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Florida Credit Firm Service Agreement

Hereby enter into the following agreement with Florida Credit Firm, a Florida limited liability company (“Florida Credit Firm” or “Company”) with its address at 9240 SW 72nd St, Miami, FL 33173, and the Client.

1. Authorization for Credit Profile Optimization & Dispute Assistance

1.1 Authorization to Act on Behalf of Client: Client hereby authorizes Company to make, receive, sign, endorse, execute, acknowledge, deliver, and possess such applications, correspondence, contracts, or agreements, as necessary to improve Client’s credit profile accuracy and optimization and provide the Services in this Agreement. Such instruments in writing of whatever nature shall only be effective for any or all of the three credit reporting agencies which are TransUnion, Experian, Equifax, and any other reporting agencies or creditors listed, as may be necessary or proper in the exercise of the rights and powers herein granted.

Client agrees that Florida Credit Firm will act as a third-party consultant to provide dispute resolution assistance and credit profile optimization strategies, ensuring compliance with applicable consumer protection laws, including the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA), on the lawful basis of performing this Agreement.

1.2 Revocation of Authorization: This authorization may be revoked by the undersigned at any time by giving written five (5) business days’ notice to the party authorized herein. Any activity made prior to revocation in reliance upon this authorization shall not constitute a breach of rights of the Client. If not earlier revoked, this authorization will automatically expire twelve (12) months from the date of signature.

1.3 Limitation on Disclosure: The party named above to receive the information is not authorized to make any further release or disclosure of the information received. This authorization does not authorize the release or disclosure of any information except as provided herein.

2. Grant of Authority: I grant to Florida Credit Firm authority to do, take, and perform all acts and things whatsoever requisite, proper, or necessary to be done in the exercise of optimizing my credit profile with the three credit reporting agencies, which are TransUnion, Experian, Equifax, and any other reporting agencies or creditors listed, as fully for all intents and purposes as I might or could do if personally present.

WHEREAS, Company is in the business of assisting individuals with analyzing credit profiles and addressing questionable or misleading data found in credit reports by identifying items that may be inaccurate, unverifiable, incomplete, obsolete, or questionable (“Services”);

WHEREAS, Client desires to retain Company for the Services;

WHEREAS, Company agrees to provide the Services described herein to Client;

WHEREAS, Company does NOT guarantee credit score increases, promise correction of accurate verifiable accounts, or offer legal or financial advice;

NOW THEREFORE, in consideration of the mutual covenants and agreements hereinafter set forth, the parties agree as follows:

3. Services Provided and Information Statement Required under Federal and Florida Law (CROA Disclosure):

Florida Credit Firm hereby agrees to perform the following Credit Profile Optimization Services:

A. To evaluate Client’s current credit reports and scores as listed with applicable credit reporting agencies.

B. To consult Client regarding their individual needs or concerns.

C. To audit credit reports and scores and identify inaccurate, erroneous, false, misleading, or obsolete information.

D. To advise Client as to the necessary steps to be taken on the part of Client in conjunction with Company, to facilitate disputes regarding any inaccurate, erroneous, false, misleading, or obsolete information contained in the Client’s credit reports.

E. To advise Client on optimizing credit profiles and enhancing credit scores through educational strategies.

F. To draft and prepare all necessary correspondence to facilitate disputes regarding inaccurate, erroneous, false, misleading, or obsolete information with the credit bureaus on Client’s behalf and in Client’s name.

G. To contact creditors and collection agencies to request verification of alleged debt.

H. To take preventative measures to ensure the safety and security of all sensitive data stored by the Company.

I. To review credit profile status from the credit reporting agencies such as Experian, Equifax, and TransUnion.

J. To consult with Client once a month via Text, Email, or Phone Consultation to provide ongoing credit profile optimization guidance.

3.1 Information Statement Required under Federal and Florida Law (CROA Disclosure):

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit service organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit service organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit service organizations. You have a right to sue a credit services organization if it misleads you.

You have the right to cancel your contract with any credit service organization for any reason within three business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy or completeness of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit service organizations. For more information, contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.

If you have notified a credit reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer credit reporting agency must then re-investigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency.

If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in any report it issues about you.

You, as a consumer, have the right to contact your own state authorities that regulate credit bureaus and credit service organizations. You understand there are nonprofit consumer credit counseling services available.

Florida law allows for the payment of services in advance, but only if the organization maintains a surety bond of $10,000 and a trust account by which the client can provide funds to be billed as the services are rendered. You have the right to proceed against the bond or trust account.

CREDIT SERVICE ORGANIZATION SURETY BOND # SB272040

PLATE RIVER INSURANCE CORPORATION

3.2 Acknowledgment of Terms of Satisfaction Guarantee:

I, Client, hereby understand if I am unsatisfied with the services rendered despite my active participation, I may not be entitled to a refund of fees. I, Client, am aware that I cannot process any charge back against Florida Credit Firm. I also acknowledge all service fees paid to Florida Credit Firm are non-refundable. If I am unsatisfied with the service performed, I agree to cancel service without providing cancellation documentation to Florida Credit Firm.

6. Term of Agreement:

The term of this Agreement shall be 36 months (the “Term”). The Term is an estimation of the length of time necessary to perform the Services. However, in no way is the term a guarantee of completion of the Services within such time. If additional time is necessary, Company shall notify Client and Client agrees to continue paying for the Services monthly.

8. Ownership of Internal Materials:

All internal letters created and used during the Services are solely owned by Company and are not shared or shown to the Client. Client agrees that Client is not entitled to view any such internal letters.

10. Release and Limitation of Liability:

Notwithstanding the Client’s rights under the Credit Repair Organization Act, Client hereby releases Company and its respective agents from any and all matters or action, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands whatsoever in law or equity, for or by reason of any matter, cause, or claim whatsoever arising from or in connection with this Agreement.

IN NO EVENT WILL COMPANY BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL OR EXEMPLARY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF GOODWILL, BUSINESS INTERRUPTION, LOSS OF BUSINESS OPPORTUNITY, OR ANY OTHER PECUNIARY LOSS) SUFFERED RELATED TO COMPANY’S OBLIGATIONS HEREUNDER OR FROM ANY OTHER CAUSE WHATSOEVER, WHETHER BASED UPON CONTRACT, TORT, NEGLIGENCE, WARRANTY, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE CUMULATIVE LIABILITY OF COMPANY TO CLIENT FOR ANY REASON UPON ANY CAUSE OF ACTION EXCEED THE AMOUNT ACTUALLY PAID TO COMPANY UNDER THIS AGREEMENT BY CLIENT. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION IN THE AGGREGATE INCLUDING, WITHOUT LIMITATION, TO BREACH OF CONTRACT, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION, AND OTHER TORTS. Client agrees to indemnify and hold harmless Company against claims arising from Client’s actions or omissions.

11. Non-Disparagement:

Neither party shall make any oral or written statement about the other party, its owners, officers, employees, agents, contractors, and/or affiliates, which is intended or reasonably likely to disparage the other party, or otherwise degrade the other party’s reputation.

12. Independent Contractor Relationship:

The relationship between the parties is that of independent contractors. Nothing contained herein shall be construed as creating any agency, partnership, joint venture, or other form of joint enterprise, employment, or fiduciary relationship between the parties, and neither party shall have the authority for or bind the other party except as expressly provided in this Agreement.

14. Entire Agreement:

This Agreement constitutes the entire agreement of the Parties and supersedes all prior and contemporaneous agreements, proposals, negotiations, conversations, or discussions between the parties. This Agreement may only be amended or modified in writing and signed by both parties.

15. Waiver:

No term or condition of this Agreement shall be deemed to have been waived except by written instrument of the party charged, and each waiver shall operate only as to the specific term or condition waived.

16. Binding Effect:

This Agreement shall be binding upon and shall inure to the benefit of the parties hereto. This Agreement shall inure to the benefit of each of the parties and their respective successors and assigns.

17. Assignment:

Neither party may assign or delegate its rights or obligations under this Agreement without the prior written consent of the other party.

CLIENT NAME: _______________________________

CLIENT SIGNATURE: ___________________________

DATE: _______________________________

Company Representative:

COMPANY REPRESENTATIVE NAME: _______________________________

COMPANY REPRESENTATIVE SIGNATURE DATE: _________________________

💰 Fee Schedule & Payment Terms

4. Fee Schedule: In exchange for the Services, the Client agrees to pay the fees as outlined in the following fee schedule:

4.1 Programs & Processing Fees:

• $124.00 (Individual Plan) (Support for 1 person) – Document processing fee due upon signing.

• $199.00 (Couple’s Plan) (Support for 2 people) – Document processing fee due upon signing.

• $249.00 (Individual Plan+) (Support for 1 person) – Document processing fee due upon signing.

4.2 Monthly Service Fees:

• $124.00 (Individual Plan) (Support for 1 person) for each month of Service.

• $199.00 (Couple’s Plan) (Support for 2 people) for each month of Service.

• $249.00 (Individual + Plan) (Support for 1 person) for each month of Service.

5. Acknowledgment of Terms of Satisfaction Guarantee:

Client acknowledges that Company shall issue an invoice for the fees at the end of each month for the Service. Client shall pay the invoice within ten (10) days of receipt of the invoice. If any amount payable to Company is not paid on time, Company shall be entitled to immediately cease providing services, as well as pursue all other remedies available to Company at law or in equity.

CLIENT NAME: _______________________________

CLIENT SIGNATURE: ___________________________

DATE: _______________________________

Company Representative:

COMPANY REPRESENTATIVE NAME: _______________________________

COMPANY REPRESENTATIVE SIGNATURE DATE: _________________________

⚖️ Power of Attorney

I, [Your Full Legal Name], residing at [Your Address], hereby appoint, constitute, and designate Florida Credit Firm LLC, represented by Anniel Manso and their authorized representatives, collectively referred to as my attorney-in-fact, with full power and authority to act on my behalf in matters pertaining to credit reporting agencies, creditors, and debt collection agencies. This Power of Attorney is granted for the exclusive purpose of managing and resolving credit profile optimization issues, as described herein.

Communication with Credit Reporting Agencies and Creditors: My attorney-in-fact is authorized to initiate and respond to communications directed towards credit reporting agencies, creditors, and debt collection agencies on my behalf. This includes but is not limited to making inquiries, requesting credit-related information, disputing inaccuracies, and addressing any issues concerning my credit profile.

Negotiations and Settlements: My attorney-in-fact is empowered to engage in negotiations and settlements of my lawful financial obligations, invoices, and indebtedness. This authority extends to making payment arrangements, settling debts, and entering into agreements on my behalf.

Debt Mediation: In the event that debt mediation becomes necessary, I grant Florida Credit Firm LLC, along with Anniel Manso and their authorized representatives, the authority to engage in discussions and negotiations with creditors and debt collection agencies. They are also authorized to share information pertinent to the resolution of said debt, including financial information and payment proposals.

I understand that this Power of Attorney grants my attorney-in-fact significant authority to manage my financial matters related to credit and debt. I hereby release both my attorney-in-fact and its intended recipients, including but not limited to the custodian of my records, Repository of Court records, credit reporting agencies (namely TransUnion, Equifax, Experian), and consumer reporting institutions, from any liability for actions taken in good faith while acting on my behalf.

I retain the right to revoke or terminate this Power of Attorney at any given time by providing written notice to my attorney-in-fact and all relevant parties.

This Power of Attorney shall remain in effect unless revoked in writing by me.

CLIENT NAME: _______________________________

CLIENT SIGNATURE: ___________________________

DATE: _______________________________

Company Representative:

COMPANY REPRESENTATIVE NAME: _______________________________

COMPANY REPRESENTATIVE SIGNATURE DATE: _________________________

❌ Cancellation Rights Acknowledgment

18. Cancellation Rights:

Client may cancel this Agreement, without any penalty or obligation, within five days from the date this Agreement is signed. If Client cancels, any payment made by Client under this Agreement will be returned within ten days following Company’s receipt of Client’s Notice of Cancellation.

To cancel this Agreement, mail or deliver a signed, dated copy of the cancellation notice set forth on Exhibit B attached hereto to Company no later than midnight on the fifth day after the execution of this Agreement.

YOU MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR OBLIGATION AT ANY TIME BEFORE MIDNIGHT OF THE THIRD BUSINESS DAY AFTER THE DATE ON WHICH YOU SIGNED THE CONTRACT. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT.

Services renew monthly unless canceled in writing to info@floridacreditfirm.com or by calling 305-900-3292, with confirmation of receipt required. Clients must await written confirmation from Company to verify cancellation; failure to receive confirmation does not constitute cancellation.

CANCELLATION NOTICE FORM (EXHIBIT B):

To: Florida Credit Firm 9240 SW 72nd St, Miami, FL 33173 Email: info@floridacreditfirm.com

I hereby cancel this transaction on _________________, 20.

Client Signature: ________________________________

Client (Print Name): ________________________________ Date: __________________

[Instructions]: Mail or deliver this signed, dated form to the above address or email no later than midnight on the fifth day after signing the Agreement. Retain a copy for your records.

CLIENT NAME: _______________________________

CLIENT SIGNATURE: ___________________________

DATE: _______________________________

Company Representative:

COMPANY REPRESENTATIVE NAME: _______________________________

COMPANY REPRESENTATIVE SIGNATURE DATE: _________________________

🏛️ Governing Law & Arbitration Agreement

13. Governing Law and Arbitration:

This Agreement is deemed to have been made and entered into exclusively in the State of Florida. This Agreement and its enforcement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

All disputes with respect to the interpretation of this Agreement or with respect to an alleged breach of any representation, warranty, covenant, or agreement under this Agreement shall be resolved by arbitration. Any such arbitration proceeding shall be governed by the rules of the American Arbitration Association (the “AAA”).

There shall be one arbitrator who shall be selected by the AAA from its list of qualified arbitrators and who shall have no actual or potential conflict in deciding or hearing the dispute. The parties shall agree in advance as to the manner in which the arbitrator shall promptly hear witnesses and arguments, review documents, and otherwise conduct the arbitration proceedings.

• All parties shall receive notice of the subject of the arbitration and the arbitration proceedings.

• The arbitration shall not be binding on any party with respect to any matters not specified in such notice.

• Should the parties fail to reach an agreement as to the conduct of such proceedings, the arbitrators shall formulate their own procedural rules and promptly commence the arbitration proceedings.

• The arbitration proceedings shall be concluded as expeditiously as possible with due consideration for the complexity of the dispute in question.

The arbitrator shall issue its decision in writing within thirty (30) days from the hearing of final arguments by the parties. The arbitration award (which shall not include punitive damages) shall be given in writing and shall be final and binding on the parties, with respect to the subject matter identified in the notice called for above, and not subject to any appeal.

Judgment upon the award may be entered in any court having jurisdiction, or application may be made to such court for a judicial recognition of the award or an order of enforcement thereof.

Any award or order provided by the arbitrator shall provide the prevailing party recovery of reasonable attorney’s fees and costs. The arbitrator shall decide which party is the prevailing party.

THE PARTIES ACKNOWLEDGE THAT IN THE EVENT OF A DISPUTE, THE PARTIES WAIVE THEIR RIGHT TO TRIAL BY JURY.

CLIENT NAME: _______________________________

CLIENT SIGNATURE: ___________________________

DATE: _______________________________

Company Representative:

COMPANY REPRESENTATIVE NAME: _______________________________

COMPANY REPRESENTATIVE SIGNATURE DATE: _________________________

🤝 Client Responsibilities & Disclaimers

7. Client Responsibilities:

A. Client is required to provide all materials requested by Company in a timely manner.

B. Client must allow Company and its agents a minimum of 120 days to perform the Services hereunder.

C. During this Agreement, Client shall not engage with any other agency or individual for credit profile optimization services, without prior consent of Company, as such activity will impair the effectiveness of the Services.

D. Client has read and understands the Information Statement set forth in Exhibit A.

E. If Client does not have access to all three credit reports from TransUnion, Experian, and Equifax, Client shall obtain a monitoring service.

F. Client grants Company and its agent’s authority to do, take, and perform all acts whatsoever requisite, proper, necessary to be done, in the exercise of optimizing Client’s credit profile with the three credit reporting agencies and any other credit bureau or creditor listed, for all intents and purposes as Client might or could do if personally present.

G. Client shall cooperate with Company in all matters relating to the Services, respond promptly to any Company request to provide direction, information, approvals, authorizations, or decisions that are reasonably necessary for Company to perform the Services in accordance with the requirements of this Agreement, and provide such documents or information as Company may reasonably request to carry out the Services in a timely manner.

H. If Company’s performance under this Agreement is prevented or delayed by any act or omission of Client, Company shall not be deemed in breach of its obligations hereunder or otherwise liable for costs, charges, or losses sustained or incurred by Client to the extent arising directly or indirectly from such prevention or delay. Failure to comply may result in termination of this Agreement.

7.1 Login & Credential Use Authorization:

• The Client expressly grants Florida Credit Firm permission to use their login credentials (e.g., username and password) for credit monitoring platforms, including but not limited to Credit Karma, Experian, Equifax, and TransUnion, to access and analyze credit reports on the Client’s behalf.

• This authorization is provided voluntarily and is limited to the sole purpose of credit monitoring and dispute facilitation as part of the Services outlined in this Agreement.

• These credentials will be encrypted, used solely for the stated purposes, and not shared with third parties, in full compliance with the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organization Act (CROA).

• The Client may revoke this authorization at any time by providing written notice as outlined in Section 1.2, and upon termination of this Agreement or revocation, Company will securely destroy all stored credentials within 30 days, unless required to retain them by law.

7.2 SMS Opt-In Consent:

The Client expressly consents to receive text messages from Florida Credit Firm LLC regarding their enrollment, account updates, service notifications, and related financial education materials.

This consent is voluntary and can be revoked at any time by replying “STOP” to any message or by submitting a written request to info@floridacreditfirm.com.

Standard message and data rates may apply. By checking the box below and initialing, the Client acknowledges and agrees to receive SMS communications as described above.

[__] I agree to receive text messages regarding my enrollment and services.

Client Initials: _________ Date: _________

9. Disclaimers:

A. Client is aware that all negative items will be subject to dispute facilitation, any inquiry that is not associated with an open account will be subject to dispute facilitation, and it is the obligation of Client to promptly inform Company of any items to not be subject to dispute facilitation within 24 hours of execution of this Agreement. Company and its respective agents, employees, and/or contractors shall not be responsible for any accounts that may be closed due to the dispute facilitation process.

B. Company shall use its commercially reasonable efforts to facilitate disputes regarding inaccurate items on Client’s credit report. Company does not represent, warrant, or guarantee that any items will be corrected from Client’s file. In particular, Company does not represent, warrant, or guarantee that it will be able to optimize adverse credit history. An adverse credit history can only be optimized if the credit history is inaccurate or obsolete and is not claimed to be accurate by the creditor who submitted the information. Company makes no warranty whatsoever with respect to the Services, including any (a) warranty of merchantability; or (b) warranty of fitness for a particular purpose; or (c) warranty of title; or (d) warranty against infringement of intellectual property rights of a third party; whether express or implied by law, course of dealing, course of performance, usage of trade, or otherwise. Company does not warrant, guarantee, or make any representations regarding the results obtained with the Services.

C. To complete the full process of credit profile optimization, when Client receives information in the mail from Equifax, Experian, and TransUnion, or any other credit bureau, it is imperative that Client contacts the Company’s optimization team immediately. The information received from the Credit Bureaus will help the Company continue the dispute facilitation process. Failure to contact Company promptly will result in delay or non-completion of Client’s credit profile optimization. Company and its respective agents, employees, and/or contractors shall not be responsible for any accounts that get closed throughout the dispute process. It is the Client’s obligation not to apply for new credit while the Company is in the process of facilitating disputes regarding negative remarks on Client’s account and optimizing disputed items on Client’s credit report. Applying for new credit will negate the progress that the Company has made. Company will not facilitate disputes for new negative items that appear after this Agreement is signed.

CLIENT NAME: _______________________________

CLIENT SIGNATURE: ___________________________

DATE: _______________________________

Company Representative:

COMPANY REPRESENTATIVE NAME: _______________________________

COMPANY REPRESENTATIVE SIGNATURE DATE: _________________________