This Financial Advice Agreement (hereinafter referred to as the “Agreement”) is entered into on this ________ day of _______ 2023 by and betwee XXXX, a coaching business for credit and debt counseling (hereinafter referred to as the “Company”) and ___________________ (hereinafter referred to as the “Client”). Together referred to as the “parties.”

WHEREAS parties have agreed to be bound by the following terms and conditions; –

The parties herein agree that the Company shall provide the services of educating them about being a victim of identity theft as well as educating and teaching them how to file complaints with cfpb and Identity theft reports helping them get Negative items off their credit and out of debt

The client herein agrees and permits the company to access personal information to enable them to provide the above-mentioned services.

This agreement shall be binding upon the client for a period of four (4) months from the date of signing hereof (the “Effective Date”).

Parties herein agree that the Client shall make a payment of $80 per month for the four months with $80 as a down payment to enable the client to start the factual identity theft dispute program.

The client herein shall not hold the company liable for any loss damage or liability that they may incur from the services and/or advice that they will receive from the company.

The client herein acknowledges, recognizes, and understands the consumer protection laws afforded to them under the Fair Credit Reporting Act and the Code of Federal Regulations.

The client shall not be responsible or liable for any losses, claims, litigation, or damages that they may sustain from receiving the service provided herein by the company.

The Company shall not be liable for any misleading statements made on the client’s behalf or misconception i.e., if the client lied to the company and stated that they are a victim of identity theft and the company finds out they are not legal.

The client acknowledges that they will not use the company by misleading them or by making a false statement about certain credit accounts past due collections foreclosures chargeoffs etc.

Parties agree that after the expiry of the four (4) months, the client is discharged from the responsibilities enumerated under this agreement.

  1. Governing Law.

This agreement may be construed by and in accordance with the laws of the state of Georgia and any other applicable laws.

  1. Dispute Resolution.

In any dispute between the parties, the same shall be referred to a mediator who shall try to resolve the dispute amicably, failure of which shall be referred to arbitration, whose decision shall be final and binding.

Parties shall cater for their costs.

Either party may amend the terms herein by reducing the same into writing and signing by both parties to be binding.

  1. Entire Agreement.

This Agreement contains the entire Agreement between the parties herein and supersedes any prior written or oral Agreement, promises, or negotiations.

If any provision of this Agreement is deemed invalid or unenforceable, the same shall be severed, and the remaining provisions shall continue in full force and effect.

WHEREAS the parties have caused this Agreement to be executed on the date indicated hereinbelow; –

By the Company; –

Signature: __________________________

Designation: _______________________

Date: ______________________________

Email Address: _____________________

By the Client; –

Signature: __________________________

Date: ______________________________

Email Address: _____________________



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