#### Terms and Conditions
Effective Date: February 25, 2025Welcome to Direct Path Consultants! These Terms and Conditions (“Terms”) govern your use of our credit repair services. By engaging our services, you agree to these Terms. Please read them carefully.##### 1. Our Services
We provide credit repair assistance, including reviewing your credit reports, identifying inaccuracies, and submitting disputes to credit bureaus on your behalf. Additional services may include credit consultations or educational resources, as outlined in your service agreement.##### 2. Your Responsibilities
To use our services, you agree to:
- Provide accurate and complete information, including personal details and credit-related documents.
- Promptly notify us of changes to your contact info or credit status.
- Cooperate by responding to requests for additional information or authorization.
Failure to comply may delay or prevent us from delivering services.##### 3. Fees and Payment
- Pricing: Fees are outlined in your service agreement (e.g., $99/month or $199 one-time fee).
- Billing: Payments are due upfront or on a recurring schedule via [credit card/bank transfer].
- Late Payments: A [$25] fee may apply for payments over [5] days late.
- Refunds: Refunds are available within [7] days of signup if no disputes have been filed; otherwise, fees are non-refundable.##### 4. No Guarantees
Credit repair outcomes depend on credit bureaus, creditors, and your unique situation. We cannot guarantee specific results, such as score increases or item removals, and are not liable for decisions made by third parties.##### 5. Limitation of Liability
To the fullest extent permitted by law:
- Our liability is limited to the amount you paid us in the past [6] months.
- We are not responsible for indirect damages (e.g., lost opportunities, loan denials) or issues beyond our control (e.g., credit bureau errors).
- Services are provided “as is” without warranties beyond those required by law.##### 6. Termination
- By You: Cancel anytime with [30] days’ written notice via [email/phone]. Fees for completed work are non-refundable.
- By Us: We may terminate services if you breach these Terms, fail to pay, or provide false information, with notice where required by law.##### 7. Confidentiality
We’ll protect your personal information per our Privacy Policy. You agree not to share our proprietary methods or materials with third parties.##### 8. Dispute Resolution
Disputes will be resolved through [negotiation/mediation/arbitration] in [Your City, State]. Arbitration is binding and waives your right to a class action lawsuit, unless prohibited by law.##### 9. Governing Law
These Terms are governed by the laws of [Your State/Country]. Any legal action must be filed in [Your County] courts.##### 10. Changes to Terms
We may update these Terms at our discretion. Continued use of our services after changes constitutes acceptance. We’ll notify you of significant updates via [email/website].##### 11. Contact Us
For questions or notices:
- Email: [email protected]