CLIENT SERVICE AGREEMENT

This Client Service Agreement (“Agreement”) governs all services purchased from SM Elite Financial Readiness, LLC. By purchasing services, the Client agrees to the terms outlined below.

1. PURPOSE OF SERVICES

SM Elite Financial Readiness, LLC provides financial readiness consulting, credit education, and strategic guidance services designed to educate and empower clients.

The Company does not provide:

  • Legal advice

  • Tax advice

  • Mortgage lending services

  • Credit repair services as defined under the Credit Repair Organizations Act (CROA)

All services are educational and consulting-based in nature.

2. DESCRIPTION OF SERVICES

Client agrees to purchase one of the following service tiers:

☐ Snapshot Consultation
☐ Roadmap Strategy Package
☐ Elite Financial Readiness Package
☐ Other: ________________________

Services may include:

  • Credit report review (educational analysis)

  • Financial readiness planning

  • Mortgage-preparation guidance

  • Budget strategy consultation

  • Dispute strategy education

  • Business credit education (if applicable)

Specific deliverables will be outlined in the confirmation email or invoice.

3. NO GUARANTEES

Client understands and agrees:

  • The Company makes no guarantees regarding credit score increases.

  • The Company does not guarantee deletion of accounts.

  • Results vary based on individual credit profile, effort, and reporting agencies.

  • Credit bureaus and creditors maintain independent authority over reporting decisions.

Client is responsible for implementing recommended strategies.

4. CLIENT RESPONSIBILITIES

Client agrees to:

  • Provide truthful and accurate information

  • Submit requested documents in a timely manner

  • Actively participate in the process

  • Not misrepresent facts to creditors or reporting agencies

Failure to cooperate may delay or impact results.

5. PAYMENT TERMS

  • Payment is due in full prior to services being rendered unless otherwise agreed.

  • All fees are non-refundable once services have begun.

  • Digital products and downloadable materials are non-refundable.

If a payment plan is offered, Client agrees to complete all scheduled payments.

Chargeback & Payment Dispute Policy

Client agrees not to initiate a chargeback or payment dispute with their financial institution without first contacting SM Elite Financial Readiness, LLC to attempt resolution.

By purchasing services, Client acknowledges that:

• Services begin immediately upon purchase or scheduling.
• Digital materials, consultations, strategy sessions, and custom planning constitute delivered services.
• Initiating a chargeback after services have been rendered may be considered a breach of this Agreement.

The Company reserves the right to provide documentation including invoices, service confirmations, communications, and proof of delivery to contest any disputed charge.

Client agrees to be responsible for any fees incurred due to unjustified or fraudulent chargebacks.

6. CANCELLATION POLICY

Client may cancel prior to services being delivered.

If cancellation occurs after services have started:

  • Fees for completed work are non-refundable.

  • Remaining services may be discontinued at Company discretion.

7. CONFIDENTIALITY

The Company agrees to maintain confidentiality of Client information.

Client understands that:

  • Secure transmission of data via email is not guaranteed.

  • Client consents to electronic communication.

8. LIMITATION OF LIABILITY

To the fullest extent permitted by law:

SM Elite Financial Readiness, LLC shall not be liable for:

  • Credit bureau decisions

  • Creditor actions

  • Identity theft issues beyond scope

  • Indirect or consequential damages

Liability is limited to the amount paid for services.

9. COMPLIANCE STATEMENT

The Company operates in compliance with:

  • Fair Credit Reporting Act (FCRA)

  • Federal Trade Commission guidelines

  • Georgia state business laws

The Company provides education and consulting only, not credit repair services requiring CROA registration.

10. INDEPENDENT RELATIONSHIP

Nothing in this Agreement creates:

  • Attorney-client relationship

  • Realtor-client brokerage agreement (unless separately signed)

  • Tax preparer-client relationship

If mortgage or real estate services are required, a separate agreement will apply.

11. DISPUTE RESOLUTION

Any disputes arising under this Agreement shall be resolved:

  • First through good faith negotiation.

  • If unresolved, through mediation in the State of Georgia.

  • Jurisdiction: Georgia courts.