THESE DISCLOSURES SUPERCEDE ANY VERBAL AGREEMENTS AND/OR REPRESENTATIONS. PLEASE READ THEM SO THERE ARE NO MIS-UNDERSTANDINGS. THESE DISCLOSURES ARE ALSO PROVIDED TO EACH CUSTOMER AT VARIOUS STAGES THROUGHOUT THE PROCESS OF DELIVERING EACH ORDER.
- SETUP INTERVIEW REQUIRED WITHIN 24 HOURS:You are required to complete the Setup Interview on our website within 24 hours of making payment in order to ensure there are no delays in completing your order. If you delay in completing the setup interview, we will not be held responsible for such delays outside our control.
- PERSONAL CREDIT AND PERSONAL GUARANTEE REQUIRED FIRST 6 MONTHS: Although corporate credit and funding can be obtained from trade credit vendors and lenders without using your personal credit and personal guarantee, this type of funding is only possible after substantial corporate credit is obtained and used properly over a period of at least 6 to 12 months. For this reason, you should expect that all funding you will obtain in the first 6 to 12 months will always require using your personal credit and personal guarantee.
- IDEAL PERSONAL CREDIT PROFILE FOR PERSONALLY-GUARANTEED FUNDING: 3+ Years of Clean Credit History, 3+ Open Revolving Credit Accounts, 30% or Lower Revolving Debt Ratio, 720+ Credit Scores, and No More Than 6 Inquiries per Credit Bureau in the last 6 Months. The closer you are to this Ideal Personal Credit Profile, the better funding results you will achieve with a Personal Guarantee. Each Lender has its own underwriting matrix and there are no absolute minimum personal credit scores nor personal credit requirements.
- NO CREDIT REPAIR PROVIDED: We cannot assist you in the process of repairing personal credit issues. If your personal credit is not near the Ideal Personal Credit Profile explained above, we recommend you bring in someone who is as close as possible to the Ideal Personal Credit Profile to be the President of the Corporate Entity in order to achieve the best results.
- 80 PAYDEX PROGRAM TAKES 45 TO 60 DAYS: We can achieve an 80 Paydex Score or higher within 45 to 60 Days, assuming you follow our instructions in a timely manner. We do everything possible on your behalf in order to minimize your involvement in the process. You can go for Funding either before or after the 80 Paydex Program is complete – The choice is yours. However, beware that some of the Lenders you apply with may deny your applications specifically due to not having an 80 Paydex Score. For this reason, we always recommend that our Clients obtain the 80 Paydex Score before going to Funding, so that Funding Results can be maximized. The 45 to 60 day time frame is counted from the day the corporation setup process is 100% complete, including any Credit-Ready Package you may have purchased. The 80 Paydex Program does not include the cost of purchasing small-value items from the reporting vendors. Expect to spend an additional $250 (approximately) with trade credit vendors to achieve an 80 Paydex Score.
- 80 PAYDEX PROGRAM PURCHASE SEPARATE FROM FUNDING RESULTS: The 80 Paydex Program purchase stands alone and is never tied to actual funding results you end up achieving. Any assistance we may provide with financing is treated as a completely separate service, completely separate and independent of the 80 Paydex Program. You are not eligible for a refund based on what funding results you achieve or don’t achieve.
- NO GUARANTEE NOR PREDICTION OF FUNDING RESULTS: Achieving an 80 Paydex Score greatly facilitates the achievement of corporate credit and financing, but does not guarantee it. No one here can predict your funding results. Various factors, such as your personal credit scores and credit history, the availability of lenders based on your geographical location, the current economic climate, and your ability to follow-through on credit applications and approval requirements, are all factors outside our control and for that reason we legally cannot and therefore do not in any way guarantee any particular result for customers, whether we assist you in the process of obtaining financing or not. YOUR RESULTS WILL DEPEND ON VARIOUS FACTORS OUTSIDE OUR CONTROL AND CANNOT BE GUARANTEED NOR PREDICTED BY ANYONE.
TERMS SPECIFIC TO CREDIT CARD PAYMENTS:
You authorize us to charge you credit card for the purchase price, and agree that if you decide to split this payment among more than one of your credit cards, that each of your credit cards may be charged without the need for additional authorizations, as long as the total charged does not exceed the purchase price.
You certify that we have verified your credit card (front and back) and photo identification to confirm your identity, and that you are both the customer and the cardholder in this transaction.
You accept the Product(s) provided for the Purchase Price as delivered in full as soon as the Articles of Incorporation/Organization are shipped to the billing address on your credit card account and the tracking number is provided to you via email. This shipping confirmation shall serve as final proof of the Product(s) being delivered to you satisfactorily, and as final proof that the amount charged has been fully earned.
You understand that Partial Payment(s) towards the Purchase Price shall be considered as a Non-Refundable Deposit towards the Purchase Price in exchange for the reservation of the Corporate Entity(s) above for a mutually agreed-upon period of time, which shall never exceed 30 Days. In the event this time period expires and the balance of the Purchase Price is not yet paid, you agree that your Partial Payment(s) shall become Store Credit, available for future use with us for a maximum period of 6 months, after which the store credit will expire.
You agree that due to the intrinsic nature of the Product(s), the Product(s) and any associated Service(s) (if any) that may be included with Product(s) cannot be cancelled and are NON-REFUNDABLE.