CUSTOMER ACCEPTANCE & ACKNOWLEDGEMENT OF CREDIT RESTORATION SERVICES For quality and legal purposes it is necessary for Good Credit Guys to have each client agree to each of the below listed items to confirm that they received all of the following information. It is very important that our clients receive, read and understand all information provided to them by Good Credit Guys, LLC, and its representatives. Customer Agreement Consumer Credit File Rights Under State and Federal Law Limited Power of Attorney Acknowledgement Client(s) engages the services of Good Credit Guys, LLC, (Good Credit Guys and under mentioned terms and conditions: 1. Client(s) Commitments & Terms: All clients/customers/former and past clients, agree to forward all correspondence from the credit bureaus to Good Credit Guys including, but not limited to, letters and credit reports. Good Credit Guys, LLC cannot perform the service provided without obtaining copies of the credit reports and all correspondence from the credit bureaus. Clients agree to provide all relevant and requested documents in a timely manner to the Good Credit Guys office providing services. We ask that all documentation be provided as soon as reasonably possible. Generally we need this information within two (2) business days of receipt. Client(s) understand Good Credit Guys has no ability to dictate the decisions clients make regarding financial decisions that may impact their credit report, credit score, and/or other financial responsibility(s). Clients cannot and will not hold Good Credit Guys accountable or liable for any actions , and/or consequences regarding their past, present, and/or future decisions that may impact their credit report, credit score, financial situation, and/or standing(s) with any financial, or otherwise, institution and/or company. Clients agree to pay Good Credit Guys $495.00 for services rendered. Good Credit Guys does not charge monthly fees or require monthly debits from a clients account. Lack of payment will suspend all work on their account. Good Credit Guys will work with any customer’s seeking to resolve billing or service issues so long as that customer contacts our office as soon as reasonably possible regarding their billing or accounting issue(s). The success of this service will be dependent on the completion of the above mentioned client(s) commitments. Clients understand that failure to compete all of these activities will void the quality and integrity of services. 2. Disclaimer: There are several limits to the work of Good Credit Guys which the client(s) should be aware. Because each case can vary, Good Credit Guys cannot guarantee any specific or individual results on a client’s case. Because each case is different, there is no precise timeframe that can be reasonably disclosed. Credit Bureau reports as well as other relevant documentation provided us becomes property of Good Credit Guys. A client agree to waive all rights to obtain copies of the correspondence sent to the credit bureaus from Good Credit Guys. 3. Payment Structure: Clients agree to pay Good Credit Guys for work as it is completed. Payment is due after any work on a client’s account. If the bank returns the payment dishonored, the client agrees to pay a $35.00 dishonored payment fee. Continued work on this account will be closed if your payments are not received according to your contract. 4. Derogatory Information Reporting: The client(s) would like Good Credit Guys to dispute all information found on the clients credit report that could indicate misleading information except for the information disclosed to Good Credit Guys separately. Good Credit Guys will consider any information that is not disclosed to be inaccurate, unverifiable, or obsolete. 5. Good Credit Guys Credit Report Repair Privacy Policy Privacy Policy: Protecting your private information is our priority. This Statement of Privacy applies to the and Good Credit Guys, LLC and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Good Credit Guys, LLC include, Good Credit Guys, LLC, GCG, and Good Credit Guys. The Good Credit Guys website is an information and signup site. By using the Good Credit Guys, LLC website, you consent to the data practices described in this statement. Collection of your Personal Information: Good Credit Guys may collect personally identifiable information, such as your name, Date of birth, current and previous addresses, and other relevant information related to the restoration and repair of your credit report by removing inaccurate negative items. Good Credit Guys may also collect anonymous demographic information, which is not unique to you, such as your age, city and state. We may gather additional personal or non-personal information in the future. Information about your computer hardware and software may be automatically collected by Good Credit Guys. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Good Credit Guys website. Good Credit Guys encourages you to review the privacy statements of websites you choose to link to from Good Credit Guys so that you can understand how those websites collect, use and share your information. Good Credit Guys is not responsible for the privacy statements or other content on websites outside of the Good Credit Guys website. Use of your Personal Information: Good Credit Guys collects and uses your personal information to operate its website(s) and deliver the services you have requested. Good Credit Guys may also use your personally identifiable information to inform you of other products or services available from Good Credit Guys and its affiliates. Good Credit Guys may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered. Good Credit Guys does not sell, rent or lease its customer lists to third parties. Good Credit Guys may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Good Credit Guys, and they are required to maintain the confidentiality of your information. Good Credit Guys may keep track of the websites and pages our users visit within Good Credit Guys, in order to determine what Good Credit Guys services are the most popular. This data is used to deliver customized content and advertising within Good Credit Guys to customers whose behavior indicates that they are interested in a particular subject area. Good Credit Guys will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Good Credit Guys or the site; (b) protect and defend the rights or property of Good Credit Guys; and, (c) act under exigent circumstances to protect the personal safety of users of Good Credit Guys, or the public. Security of your Personal Information: Good Credit Guys secures your personal information from unauthorized access, use or disclosure. Children under Seventeen: Good Credit Guys does not knowingly collect personally identifiable information from children under the age of seventeen. If you are under the age of seventeen, you must ask your parent or guardian for permission to use this website. Changes to this Statement: Good Credit Guys will occasionally update this Statement of Privacy to reflect company and customer feedback. Good Credit Guys encourages you to periodically review this Statement to be informed of how Good Credit Guys is protecting your information. 6. Our Right to Suspend or Terminate Services: We can, without notice, suspend or terminate any Service at any time for any reason. For example, we can suspend or terminate any Service for the following: (a) late payment; (b) denied payment transaction;(harassing/threatening/abusing/offending our employees or agents; (d) providing false or inaccurate information; (e) interfering with our operations; (f) using/suspicion of using Services in any manner restricted by or inconsistent with the Agreement and Policies; (g) breaching, failing to follow, or abusing the Agreement or Policies; (h) providing false, inaccurate, dated, or unverifiable identification or credit information or becoming insolvent or bankrupt. 7. Arbitration & Mediation: In the event a dispute shall arise between the parties to this contract, agreement, and/or services, it is hereby agreed that the dispute shall be resolved by arbitration in accordance with the applicable United States Arbitration and Mediation Rules of Arbitration. The arbitrator’s decision shall be final and legally binding and judgment may be entered thereon. Each party shall be responsible for its share of the arbitration fees in accordance with the applicable Rules of Arbitration. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator’s award, or fails to comply with the arbitrator’s award, the other party is entitled to costs of suit, including a reasonable attorney’s fee for having to compel arbitration or defend or enforce the award. (a) “Disputes” are any claims or controversies against each other related in any way to or arising out of in any way our Services or the Agreement, including, but not limited to, billing services and practices, policies, contract practices (including enforceability), service claims, privacy, or advertising, even if it arises after Services have terminated. Disputes include claims that you bring against our employees, agents, affiliates, or other representatives or that we bring against you. It also includes but is not limited to claims related in any way to or arising out of in any way any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory. (b) If either of us wants to initiate a claim to arbitrate a Dispute, we each agree to send written notice to the other providing a description of the dispute, a description of previous efforts to resolve the dispute, all relevant documents and supporting information, and the proposed resolution. Notice to you will be sent as described in the “Providing Notice to each Other Under The Agreement” section and notice to us will be sent to: Good Credit Guys. We each agree to make attempts to resolve the dispute prior to filing a claim for arbitration. If we cannot resolve the dispute within forty-five (45) days of receipt of the notice to arbitrate, then we each may submit the dispute to formal arbitration. (c) Unless we each agree otherwise, the Arbitration will be conducted by a single, neutral arbitrator and will take place in the county of the last billing address of the Service. (d) The arbitration will be governed and conducted by (a) a neutral third party arbitrator selected by each of us and based upon rules mutually agreed to by each of us or (b) JAMS. The JAMS rules, including rules about the selection of an arbitrator, filing, administration, discovery, and arbitrator fees, will be conducted under JAMS Comprehensive Arbitration Rules & Procedures. The JAMS rules are available on its website at To the extent that this “Dispute Resolution” section conflicts with JAMS’s minimum standards for procedural fairness, the JAMS’s rules or minimum standards for arbitration procedures in that regard will apply. However, nothing in this paragraph will require or allow us or you to arbitrate on a class-wide or consolidated basis. (e) WE EACH AGREE THAT WE WILL ONLY PURSUE ARBITRATION ON AN INDIVIDUAL BASIS AND WILL NOT PURSUE ARBITRATION ON A CLASS-WIDE OR CONSOLIDATED BASIS. We each agree that any arbitration will be solely between you and Good Credit Guys (not brought on behalf of or together with another individual’s claim). If for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then our agreement to arbitrate doesn’t apply and the dispute must be brought in court. (f) We each are responsible for our respective costs relating to counsel, experts, and witnesses, as well as any other costs relating to arbitration. However, we will pay for the arbitration administrative or filing fees, including the arbitrator fees. Otherwise the JAMS Comprehensive Arbitration Rules & Procedures and the JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses, Minimum Standards of Procedural Fairness regarding costs and payment apply. Exceptions To Our Agreement To Arbitrate Disputes: Either of us may bring qualifying claims in small claims court. In addition, this arbitration provision does not prevent you from bringing your dispute to the attention of any federal, state, or local government agency that can, if the law allows, seek relief against us on your behalf. No Class Actions: TO THE EXTENT ALLOWED BY LAW, WE EACH WAIVE ANY RIGHT TO PURSUE DISPUTES ON A CLASS WIDE BASIS; THAT IS, TO EITHER JOIN A CLAIM WITH THE CLAIM OF ANY OTHER PERSON OR ENTITY OR ASSERT A CLAIM IN A REPRESENTATIVE CAPACITY ON BEHALF OF ANYONE ELSE IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING. No Trial By Jury: TO THE EXTENT ALLOWED BY LAW, WE EACH WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING. Indemnification: You agree to indemnify, defend, and hold Good Credit Guys and our subsidiaries, affiliates, parent companies harmless from any claims arising out of or relating to your actions, including, but not limited to, your use of the Service and any information you submit, post, transmit, or make available; failure to safeguard your information, or other account information; or violating this Agreement or any policy referenced in this Agreement, any applicable law or regulation, or the rights of any third party. CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureaus must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years. You have the 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 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 or 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 repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. Credit bureaus are required to follow reasonable procedures to insure 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 of information in your credit file. The credit bureau must then investigate 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 to you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, and Washington, D.C. LIMITED POWER OF ATTORNEY I do hereby grant a limited power of attorney to Good Credit Guys and any persons of their employ or designees for the express purpose of preparing and signing all documents written with the intent of challenging and/or verifying information contained in the files maintained by the following consumer credit reporting bureaus: Equifax, Experian and Transunion.