This Service Agreement, Refund Policy & Funding Terms ("Agreement") is entered into by and between Royalty Holdings LLC / Royalty Legacy Group ("Company," "we," "us," or "our"), and the individual identified on the enrollment/checkout form ("Client," "you," or "your").
By checking the box agreeing to this Agreement and submitting payment, you acknowledge that you have read, understood, and agree to be bound by the terms below.
Services Provided
The Company offers two distinct categories of service, described below. A Client may enroll in one or both.
1.1 Credit Repair Services
The Company will review the Client's credit reports from the major consumer reporting agencies, identify items that appear inaccurate, incomplete, unverifiable, obsolete, or otherwise disputable, and prepare and submit dispute correspondence on the Client's behalf under the Fair Credit Reporting Act (FCRA) and related law. This includes the initial credit analysis, dispute strategy development, and ongoing dispute rounds described in Section 4.
1.2 Business & Personal Funding Consulting Services
The Company will assist the Client in preparing their credit and financial profile for funding applications, and, where the Client authorizes it, will prepare and submit funding/credit applications on the Client's behalf to third-party lenders, banks, credit unions, and other funding sources ("Funders"). See Section 8 for the specific terms governing this service.
The Company is not a law firm, does not provide legal advice, and does not represent Client in any legal proceeding.
Consumer Credit File Rights Disclosure (Required by Federal Law)
Before you sign this Agreement or make any payment, federal law (the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq.) requires the Company to give you the separate disclosure titled "Consumer Credit File Rights Under State and Federal Law." That disclosure is provided to you as a standalone document alongside this Agreement — see Exhibit A. Please read it before signing. In summary, and without limiting the full disclosure:
- You have the right to dispute inaccurate information in your credit file directly with the credit bureaus, yourself, for free.
- No one — including the Company — can have accurate, current, and verifiable negative information legally removed from your credit report.
- You have the right to obtain a free copy of your credit report and to know what is in your credit file.
- You have the right to cancel this Agreement, for any reason, within 3 business days of signing, without penalty or obligation (Section 5).
- You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act.
No Guarantee of Results
3.1 Credit reporting outcomes depend on the credit bureaus, furnishers (lenders, collection agencies, etc.), and the accuracy of information already on file — none of which the Company controls. The Company does not guarantee: (a) that any specific item will be corrected, updated, or removed; (b) any specific credit score increase; (c) any specific timeline for results; or (d) that improved credit will result in approval for any loan, card, or funding product.
3.2 For Funding Consulting Services, the Company does not guarantee: (a) approval by any Funder; (b) any specific funding amount, including the "$10,000–$100,000+" range referenced in Company marketing, which is illustrative of potential outcomes for qualified clients only, not a promise to any individual Client; (c) any specific interest rate, term, or condition offered by a Funder. All funding decisions are made solely by the third-party Funder, in its sole discretion, based on its own underwriting criteria.
3.3 Any results, testimonials, or examples referenced by the Company are not typical and are not a guarantee of Client's individual outcome.
Fees and Payment Terms
4.1 Credit Repair — Standard Plan
A one-time fee of $599 covers the initial credit report pull and analysis, dispute strategy development, and account setup, which the Company performs upon enrollment. This fee compensates the Company for that initial work already performed at the time it is charged and is earned upon completion of that initial analysis and setup. Following enrollment, an ongoing service fee of $199/month applies for each month the Company continues to prepare and submit dispute rounds and monitor Client's file, billed in advance of that month's work and cancellable at any time as described in Section 6.
4.2 Credit Repair — Fast-Track Plan
A one-time fee of $1,000 covers an accelerated initial analysis, dispute strategy development, and the first complete round of dispute preparation and submission, performed upon enrollment, with no recurring monthly fee.
4.3 Compliance Note on Fee Timing
Federal law prohibits a credit repair organization from charging or accepting payment for credit repair services before those services are fully performed. The fees above are structured so that the amount charged at enrollment corresponds to initial work (analysis, strategy, account setup, and — for the Fast-Track Plan — the first dispute round) completed at or before the time of charge, and monthly fees are billed for the month of ongoing service they cover, not future, unperformed work. The Company must in fact complete the initial analysis, strategy development, and account setup (and, for Fast-Track, the first dispute round) at or immediately following enrollment, consistent with this description, to remain compliant with this structure.
4.4 Funding Consulting Fees
Funding Consulting fees, if any, will be separately disclosed to the Client in writing before any payment is collected for that service.
4.5 Payment Processing
All fees are in U.S. dollars and are processed through the Company's designated payment processor. Client authorizes the Company to charge the payment method provided at enrollment for the fees described above.
Your Right to Cancel — 3 Business Days
You may cancel this Agreement, for any reason and without penalty or further obligation, at any time before midnight of the 3rd business day after the date you sign it. To cancel, you must give the Company written notice of cancellation (a Notice of Cancellation form is provided as Exhibit B) by mail, email, or other written means, postmarked or sent no later than that deadline. If you cancel within this window, the Company will refund any payment made within 10 business days and will not charge you.
This right to cancel applies regardless of when work has begun, and is separate from and in addition to the refund policy in Section 6.
Refund Policy
6.1 Within the 3-business-day cancellation window (Section 5): full refund, no exceptions.
6.2 After the cancellation window, for the Standard Plan: the $599 initial fee is non-refundable once the initial credit analysis, dispute strategy, and account setup have been completed, because that fee compensates work already performed. Any monthly $199 fee already charged for a month in which the Company has not yet performed that month's dispute/monitoring work will be refunded for the unearned portion; monthly fees already earned for completed monthly service are non-refundable. Client may cancel the ongoing monthly service at any time, effective at the end of the then-current paid month, by written notice to the Company.
6.3 After the cancellation window, for the Fast-Track Plan: the $1,000 fee is non-refundable once the initial analysis, strategy, and first dispute round have been completed, because that fee compensates work already performed in full.
6.4 Refunds, where owed, will be issued to the original payment method within 10 business days of the Company's confirmation that a refund is due.
6.5 This refund policy does not limit any right or remedy available to Client under the Credit Repair Organizations Act or other applicable law.
Client Responsibilities
Client agrees to: (a) provide accurate, complete, and current personal and financial information; (b) promptly forward to the Company any correspondence received from credit bureaus, furnishers, or Funders regarding disputes or applications submitted on Client's behalf; (c) not knowingly provide false information to any credit bureau, furnisher, or Funder; and (d) respond to Company requests for documentation or information in a timely manner, as delays may affect the Company's ability to perform the Services.
Funding Consulting Terms & Authorization
8.1 Authorization to Submit Applications
By enrolling in Funding Consulting Services, Client authorizes the Company to prepare and submit funding, credit, and financing applications on Client's behalf to Funders selected by the Company or requested by Client, and to share Client's personal and financial information with those Funders as necessary to process such applications.
8.2 No Lending Relationship
The Company is not a bank, lender, or broker, does not make credit decisions, and does not guarantee approval, terms, rates, or funding amounts offered by any Funder. Any offer, approval, or denial is made solely by the Funder.
8.3 Client Review
Client remains responsible for reviewing and deciding whether to accept any offer from a Funder before signing any loan, credit, or financing agreement. The Company's role is limited to preparation and submission of the application and related credit-positioning work; the Company does not sign funding agreements on Client's behalf.
Limitation of Liability
To the maximum extent permitted by law, the Company's total liability to Client for any claim arising out of or related to this Agreement or the Services shall not exceed the total fees paid by Client to the Company in the 12 months preceding the claim. The Company is not liable for indirect, incidental, consequential, or punitive damages, or for the acts, omissions, decisions, or delays of credit bureaus, furnishers, or Funders, which are outside the Company's control. Nothing in this Section limits any right or remedy that cannot lawfully be limited, including rights under the Credit Repair Organizations Act.
Indemnification
Client agrees to indemnify and hold the Company harmless from claims, damages, or expenses (including reasonable attorney's fees) arising from Client's breach of this Agreement or from false or misleading information Client knowingly provided to the Company, a credit bureau, or a Funder.
Dispute Resolution
11.1 Informal Resolution First
Before filing any claim, Client and Company agree to attempt in good faith to resolve any dispute informally by contacting the other party in writing.
11.2 Arbitration
Any dispute arising out of or relating to this Agreement that cannot be resolved informally shall be resolved by binding individual arbitration administered under the rules of a recognized arbitration provider, rather than in court, except that either party may bring an individual claim in small claims court if it qualifies. This Agreement does not require arbitration of, and does not waive, any right Client has to bring an action for violation of the Credit Repair Organizations Act or other consumer-protection statute where such a waiver is not permitted by law.
11.3 Class Action Waiver
To the extent permitted by law, disputes must be brought individually and not as a plaintiff or class member in any purported class, collective, or representative action.
Governing Law
This Agreement is governed by the laws of the Commonwealth of Virginia, without regard to its conflict-of-law principles, except to the extent federal law (including the Credit Repair Organizations Act and the Fair Credit Reporting Act) applies or preempts state law, and except that Client's state of residence's consumer protection laws will apply where required by law.
Electronic Signature & Communications
Client consents to sign this Agreement electronically and to receive disclosures, notices, and communications from the Company electronically (including by email and SMS), which shall have the same legal effect as if provided in paper form, consistent with the federal E-SIGN Act.
Entire Agreement; Severability; Amendment
This Agreement, together with its Exhibits, is the entire agreement between Client and the Company regarding the Services and supersedes any prior oral or written understanding. If any provision is found unenforceable, the remaining provisions remain in full force. The Company may update this Agreement prospectively for future clients; changes will not apply retroactively to reduce a Client's rights under an Agreement already signed without Client's consent.
Contact
Royalty Holdings LLC / Royalty Legacy Group
Email: [email protected]
Acknowledgment: By checking the box and submitting payment, Client acknowledges that Client has received and reviewed the separate "Consumer Credit File Rights Under State and Federal Law" disclosure (Exhibit A) and the Notice of Cancellation form (Exhibit B), and agrees to the terms of this Service Agreement, Refund Policy & Funding Terms.
Consumer Credit File Rights Under State and Federal Law
Provided as a required separate disclosure under the Credit Repair Organizations Act, 15 U.S.C. § 1679c.
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau 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 bureau must remove accurate negative information from your report only if it is over seven years old. Bankruptcy information can be reported for ten 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 within 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that your file at the credit bureau contains inaccurate information due to fraud. You have a right to a free copy of your credit report once every 12 months from each of the nationwide credit bureaus, obtained at AnnualCreditReport.com or 1-877-322-8228.
You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 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 of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or unverifiable 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 must 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 in future reports.
If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.
If you have unresolved concerns about the accuracy of information in your file, you may file a complaint with the Consumer Financial Protection Bureau or the Federal Trade Commission.
You may have additional rights under the laws of your state. You may wish to consult a nonprofit credit counseling organization or an attorney if you have questions about your rights.
The Federal Trade Commission and the Consumer Financial Protection Bureau regulate credit bureaus and credit repair organizations.
Notice of Cancellation
You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd business day after the date the contract was signed.
To cancel this contract, mail or deliver a signed and dated copy of this Notice of Cancellation, or any other written notice, to:
Royalty Holdings LLC / Royalty Legacy Group
Email: [email protected]
not later than midnight of ______________________ (date).
I hereby cancel this contract.
Client Name: ___________________________________
Date: __________________________________________
Signature: ______________________________________