Terms of Service

1.Introduction & Acceptance

These Terms of Service ("Terms") govern your access to and use of the website located at closemoreearnmore.com (the "Site"), the "Close More. Earn More." brand and partner program, and all related services (collectively, the "Services"), operated by Wealth and Legacy Unlimited, LLC, a Georgia limited liability company ("Company," "we," "us," or "our"), located at 575 Pharr Rd. NE Unit #12023, Atlanta, GA 30355.

By accessing or using the Services, you ("you," "User," "Client," or "Partner," as applicable) acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference.

2.Definitions

• "Authorized User Placement" or "AU Placement" means the coordination of adding a Client's name as an authorized user on a seasoned third-party credit account, for the purpose of that account being reported to the Client's credit file.
• "Client" means an individual consumer who purchases AU Placement coordination services.
• "Partner" means an individual or business who has enrolled in our Referral Partner or Partner Plus program to refer Clients or resell coordination services.
• "Partner Plus" means our paid tier of the partner program, which includes a white-labeled website and additional business resources.
• "Coordination Services" or "Services" means the administrative, introduction, and coordination work we perform in connection with arranging AU Placements.

3.About Our Services

What we do. We coordinate Authorized User Placements between Clients and third-party account holders. Our work involves administrative coordination, scheduling, introduction facilitation, and posting verification.

What we are not. We are not a credit repair organization as defined by the federal Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. We do not dispute, remove, alter, or modify any items on any consumer's credit report. We do not provide credit repair, credit counseling, credit restoration, debt management, or any service governed by CROA.

What our fees pay for. All fees collected from Clients are paid solely for coordination, introduction, scheduling, and administrative work involved in arranging AU Placements. Fees are charged for administrative services rendered — not in exchange for any specific credit outcome, credit score improvement, credit repair result, or credit modification.

Authorized User designations are legitimate. An authorized user designation on a credit account is a legitimate, federally recognized credit reporting concept, protected under the Equal Credit Opportunity Act (ECOA) and Regulation B (12 CFR § 1002). However, lenders may apply their own underwriting criteria and may discount or disregard authorized user accounts at their discretion.

4.Eligibility & Account Registration

You must be at least 18 years old and legally capable of entering into a binding contract to use our Services. By using the Services, you represent and warrant that you meet these requirements.

Certain Services require you to create an account or complete an application. You agree to provide accurate, current, and complete information and to update it as needed. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5.Client Services

5.1 Nature of Services

When you purchase AU Placement coordination as a Client, you engage us to arrange your addition as an authorized user on one or more third-party credit accounts for an agreed-upon period. You acknowledge that:

• We do not own the underlying credit accounts and cannot guarantee the account holder's compliance with reporting;
• Credit bureau reporting timelines and practices are outside our control;
• Any impact on your credit profile depends on factors including your existing credit history, the reporting practices of the consumer reporting agencies, and the individual policies of any lender reviewing your file;
• You may see no measurable change to your credit profile as a result of an AU Placement, and no specific outcome is promised or guaranteed.

5.2 Client Obligations

Clients agree to:

• Provide accurate personal information necessary for placement coordination;
• Use AU Placements solely for lawful purposes;
• Not use, or attempt to use, an AU Placement in connection with fraud, misrepresentation, identity misuse, synthetic credit profiles, credit privacy numbers (CPNs), or any conduct that violates federal or state law;
• Understand that misuse may result in immediate termination without refund and may be reported to appropriate authorities.

6.Partner Program

6.1 Referral Partner (Free Tier)

Referral Partners are independent contractors compensated for successful Client introductions that result in completed AU Placements. Referral Partners:

• Receive a unique referral link for tracking;
• Are paid $100 per qualified placement, subject to change with notice;
• Are paid on a monthly basis via ACH or check;
• Are compensated for introductions and coordination administration only — not for the rendering of any credit-related service;
• Are not employees, agents, or representatives of the Company for any purpose other than referral compensation.

6.2 Partner Plus (Paid Tier)

Partner Plus is a paid monthly ($147/month) or annual ($1,197/year) membership providing access to a white-labeled website, business templates, coaching, marketing assets, and priority inventory access. Partner Plus membership is billed on a recurring basis and continues until cancelled. Membership fees are separate from any coordination fees paid by end Clients.

6.3 Partner Compliance Obligations

All Partners agree to:

• Comply with all applicable federal, state, and local laws, including CROA, the Fair Credit Reporting Act (FCRA), the Federal Trade Commission Act (FTC Act), the Telemarketing Sales Rule (TSR), and applicable state consumer protection statutes;
• Not represent our program, or their own marketing of it, as a credit repair service;
• Not guarantee specific credit score outcomes, lender approvals, or financial results;
• Not collect fees from Clients on behalf of the Company;
• Not use deceptive, misleading, or unauthorized marketing practices, including but not limited to spam, unsolicited SMS, or unauthorized use of trademarks;
• Provide clear, accurate, and truthful information to any Client they introduce.

Failure to comply with these obligations may result in immediate termination of the partnership, forfeiture of unpaid commissions, and other legal remedies available to the Company.

7.Fees & Payment

All Client fees for coordination services are disclosed at the time of purchase. Accepted payment methods currently include Zelle, Cash App, Venmo, and demand-draft/e-check via our authorization form. Credit cards are not accepted.

Partner Plus subscriptions are processed through third-party payment providers and billed on a recurring basis at the plan you select (monthly or annual). You authorize us and our payment processor to charge your selected payment method automatically for each billing cycle until you cancel.

All fees are in U.S. dollars. You are responsible for any taxes, duties, or governmental charges applicable to your purchase.

8.Refund Policy

Client Tradeline Coordination Fees: Tradeline coordination orders are non-refundable once an order is placed, except as required by applicable law. This policy reflects the fact that coordination and administrative work begins immediately upon order placement, and that once your placement is submitted to a third-party account holder, the coordination cannot be reversed. By placing an order, you acknowledge and agree to this non-refundable policy.

Partner Plus Subscriptions: Partner Plus subscriptions may be cancelled at any time. Cancellation stops future billing but does not refund fees already charged for the current billing period. Access continues through the end of the paid billing cycle. Annual subscriptions are non-refundable after the first 7 days.

No refunds for consumer credit outcomes: Because we do not sell credit outcomes, no refund is available on the basis of an actual or perceived lack of credit score improvement, lender approval, or other credit-related result.

9.Intellectual Property

All content on the Site — including trademarks, logos, text, graphics, images, videos, software, and design elements — is the property of the Company or its licensors and is protected by U.S. and international intellectual property laws.

Partners are granted a limited, revocable, non-exclusive license to use approved marketing materials solely for the purpose of promoting Company Services under the Partner Program. Partners may not modify, resell, or redistribute Company materials without written consent.

Partner Plus members receiving white-labeled websites do not acquire ownership of the underlying platform, templates, or backend systems; they are licensed for use during the subscription period only.

10.Prohibited Conduct

You may not, and may not permit others to:

• Use the Services for any unlawful purpose or in violation of any applicable law;
• Impersonate any person or misrepresent your affiliation with any person or entity;
• Interfere with, disrupt, or attempt to gain unauthorized access to the Services or related systems;
• Use the Services in connection with the creation, use, or promotion of synthetic identities, credit privacy numbers (CPNs), or fraudulent credit files;
• Copy, scrape, reverse-engineer, or reproduce any portion of the Site or Services without written permission;
• Transmit any viruses, malware, or other harmful code;
• Use the Services to harass, defame, or harm any person.

11.Third-Party Services

The Services may integrate with or link to third-party platforms, including but not limited to payment processors, marketing automation tools, and referral tracking services. We are not responsible for the practices, content, or availability of any third-party service. Your use of such services is governed by the third party's terms and privacy policy.

12.Disclaimers

Without limiting the foregoing, we make no representations or guarantees regarding:

• Any specific credit score increase, credit profile change, or credit reporting outcome;
• Any specific lender approval, qualification result, or financial outcome for any Client;
• Any specific commission earnings, business growth, or income result for any Partner;
• The reporting behavior of any third-party creditor or consumer reporting agency;
• The uninterrupted or error-free operation of the Services.

Individual results depend on factors entirely outside our control, including your existing credit profile, the practices of consumer reporting agencies, the reporting behavior of underlying creditors, individual lender underwriting decisions, and general market conditions.

13.Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS OWNERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST DATA, LOST BUSINESS OPPORTUNITY, OR CREDIT-RELATED DAMAGES, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

14.Indemnification

You agree to indemnify, defend, and hold harmless the Company, its owners, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law; (d) your violation of any third-party right, including intellectual property or privacy rights; and (e) in the case of Partners, any statements or representations you make to Clients or prospective Clients in the course of your marketing activities.

15.Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason including but not limited to violation of these Terms, suspected fraudulent or unlawful conduct, or non-payment. Upon termination, all licenses granted to you under these Terms will cease immediately.

You may terminate your account at any time by contacting us at [email protected]. Termination does not entitle you to a refund of any fees already paid, except as provided in Section 8.

16.Modifications

We may modify these Terms at any time. If we make material changes, we will provide notice by updating the "Last Updated" date at the top of these Terms and, where practical, by email. Your continued use of the Services after such notice constitutes acceptance of the modified Terms.

17.Governing Law & Disputes

These Terms are governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict-of-law principles.

Informal Resolution. Before filing any formal claim, you agree to first contact us at [email protected] and attempt to resolve the dispute informally in good faith for at least 30 days.

Binding Arbitration. Any dispute arising from or related to these Terms or the Services that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Arbitration shall take place in Atlanta, Georgia. Judgment on any arbitration award may be entered in any court of competent jurisdiction.

Class Action Waiver. You agree that any dispute shall be brought solely in your individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

Exception. Notwithstanding the above, either party may bring an action in small claims court or seek injunctive relief in a court of competent jurisdiction for intellectual property or confidentiality matters.

18.Contact Information

Questions about these Terms should be directed to:

Wealth and Legacy Unlimited, LLC
d/b/a Close More. Earn More.
575 Pharr Rd. NE Unit #12023
Atlanta, GA 30355
Email: [email protected]
Phone: (404) 832-0174