PAYMENT DISCLOSURE:

By using your Credit Card or Bank Account, you hereby agree that you will not, under any circumstance, initiate any Dispute/Chargeback with your Card Issuer or Bank until you have sequentially completed the two step process below:

First: Attempt first to settle the dispute by online mediation administered by the American Arbitration Association under its Commercial Mediation Procedures. This can be done here: https://apps.adr.org/webfile/
Second: Submit a claim to be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and judgment on the award rendered by a single arbitrator may be entered in any court having jurisdiction thereof. This can be done here: https://www.adr.org/webfile/faces/home

If you initiate a Dispute/Chargeback without sequentially completing the three step process above, you hereby agree and understand that such action will cause severe damage to our Merchant Processing Relationship and that 200% of the Full Amount of the Disputed Transaction(s) will become immediately due and payable to us as Liquidated Damages. If you then fail to pay the Liquidated Damages owed within 14 Calendar Days, your Account will be turned over to Collections and immediately reported to all 3 Credit Bureaus as a Collection Account.

REFUND POLICY:

We will continue to dispute all Qualified Inquiries until every one is eliminated or until you ask us to stop. If the Qualified Inquiries are not removed by our first round of challenges, we will continue to dispute them to all channels and repeatedly until they are removed. A Qualified Inquiry is a Hard Credit Inquiry that is not from a Creditor with whom you have an Open Account. Once you Sign-Up, we will start work on your file and perform a Full File Analysis and Dispute Strategy Preparation within 24 Hours. Your Credit Card or Bank Account will NOT be charged until the Full File Analysis and Dispute Strategy Preparation is performed. For this reason, the Fee(s) we charge are NOT considered Advance Fees.

ALL SALES ARE CONSIDERED FINAL AND NON-REFUNDABLE AFTER 3 BUSINESS DAYS.
THERE ARE NO CASH REFUNDS – WE ISSUE STORE CREDIT ONLY.

eSignature
By clicking the "Continue" button you are providing your electronic signature to our Terms of Use and agreeing by electronic signature to: (1) be contacted about our products and services and/or other related products and services by a live agent, artificial or prerecorded voice, and SMS text at your residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use (including the arbitration provision). Call us to sign up without providing consent to be contacted.