AUTHORIZED USER TRADELINE SERVICE AGREEMENT

RELIANT ADVISORY SERVICES, LLC

This Authorized User Tradeline Service Agreement ("Agreement") is entered into by and between Reliant Advisory Services, LLC ("Company") and the undersigned client ("Client").

By signing this Agreement, Client acknowledges that Client has read, understood, and agrees to be legally bound by all terms and conditions contained herein.

1. PURPOSE OF AGREEMENT

Reliant Advisory Services facilitates the placement of qualified clients as authorized users on credit card accounts owned by independent third-party cardholders for the purpose of potentially enhancing the overall appearance of a client's credit profile.

Client understands that the Company does not issue credit, extend loans, make lending decisions, control credit bureaus, or control any credit scoring model.

2. CLIENT REPRESENTATIONS AND WARRANTIES

Client represents, warrants, and agrees that:

  1. Client is at least eighteen (18) years of age.

  2. Client has the legal authority and capacity to enter into this Agreement.

  3. All information submitted to Company is true, accurate, complete, and current.

  4. Client will not provide any false, altered, synthetic, misleading, fraudulent, or unauthorized information.

  5. Client will not use any CPN, synthetic identity, EIN, TIN, altered Social Security Number, or any similar substitute for a valid Social Security Number.

  6. Client is entering into this Agreement for lawful purposes only.

Any violation of this section shall constitute a material breach of this Agreement.

3. CLIENT INFORMATION

Client agrees to provide all information reasonably required by Company, including but not limited to:

  • Full legal name

  • Date of birth

  • Residential address

  • Social Security Number

  • Government-issued identification

  • Contact information

Client authorizes Company to verify submitted information through third-party verification systems when necessary.

4. SERVICES PROVIDED

Upon approval and receipt of full payment, Company shall use commercially reasonable efforts to facilitate placement of Client as an authorized user on one or more qualifying credit card accounts.

Company reserves the right to substitute comparable tradelines if:

  • A selected tradeline becomes unavailable;

  • A cardholder withdraws participation;

  • Reporting issues arise;

  • A replacement is necessary to fulfill the order.

Company retains sole discretion regarding tradeline assignment.

5. NO GUARANTEE OF RESULTS

CLIENT ACKNOWLEDGES AND AGREES THAT:

  • NO CREDIT SCORE INCREASE IS GUARANTEED.

  • NO MORTGAGE APPROVAL IS GUARANTEED.

  • NO LOAN APPROVAL IS GUARANTEED.

  • NO CREDIT CARD APPROVAL IS GUARANTEED.

  • NO INTEREST RATE REDUCTION IS GUARANTEED.

  • NO SPECIFIC CREDIT PROFILE IMPROVEMENT IS GUARANTEED.

Credit scoring models, lender decisions, and bureau reporting practices are outside the Company's control.

Client assumes all risk associated with any credit-related decision made by a lender.

6. FEES AND PAYMENT

All fees are due in full prior to service initiation.

Services begin immediately upon order processing.

Client acknowledges that Company incurs costs and allocates resources immediately upon acceptance of an order.

Unless expressly required by applicable law, all payments are final.

7. NO REFUND POLICY

ALL SALES ARE FINAL.

Except where prohibited by law, Client understands and agrees that:

  • No refunds will be issued after processing begins.

  • No refunds will be issued because a credit score did not increase.

  • No refunds will be issued because financing was denied.

  • No refunds will be issued because Client changed their mind.

  • No refunds will be issued because Client failed to maintain creditworthiness.

If a specific tradeline becomes unavailable prior to placement, Company may:

  1. Provide a comparable replacement tradeline; or

  2. Issue a store credit at Company's sole discretion.

Once placement has been initiated, no cancellation or refund shall be available.

8. CHARGEBACKS AND PAYMENT DISPUTES

Client agrees not to initiate:

  • Credit card chargebacks;

  • ACH reversals;

  • Bank disputes;

  • Payment processor disputes;

without first providing written notice to Company and allowing thirty (30) calendar days to investigate and resolve the matter.

If Client initiates a chargeback or payment dispute in violation of this Agreement, Client shall be liable for:

  • Original purchase amount;

  • Collection costs;

  • Administrative fees;

  • Attorney fees;

  • Court costs;

  • Interest at 18% annually or the maximum rate permitted by law.

9. CONFIDENTIALITY

Client acknowledges that Company possesses proprietary business information, including:

  • Tradeline inventory;

  • Pricing;

  • Vendor relationships;

  • Cardholder information;

  • Internal procedures;

  • Business methods.

Client shall not disclose such information to any third party without written consent.

This provision survives termination of this Agreement.

10. NON-DISPARAGEMENT

Client agrees not to knowingly publish or communicate false, misleading, defamatory, or disparaging statements regarding:

  • Reliant Advisory Services, LLC;

  • Its owners;

  • Employees;

  • Contractors;

  • Affiliates;

  • Cardholders.

Nothing herein restricts truthful statements required by law.

11. CLIENT DISCLOSURE RESPONSIBILITY

Client understands that lenders may request information regarding authorized user accounts.

Client is solely responsible for making all disclosures required by law or requested by a lender.

Company makes no representation regarding any lender's underwriting requirements.

12. TERMINATION

Company may immediately terminate services without refund if:

  • Fraud is suspected;

  • False information is provided;

  • Client violates this Agreement;

  • Client engages in abusive or threatening conduct;

  • Client uses unauthorized identification information.

Company reserves all legal remedies available under law.

13. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

RELIANT ADVISORY SERVICES, LLC SHALL NOT BE LIABLE FOR ANY:

  • INDIRECT DAMAGES;

  • INCIDENTAL DAMAGES;

  • SPECIAL DAMAGES;

  • CONSEQUENTIAL DAMAGES;

  • PUNITIVE DAMAGES;

  • EXEMPLARY DAMAGES;

  • LOST PROFITS;

  • LOST OPPORTUNITIES;

  • CREDIT DENIALS;

  • REPUTATIONAL HARM.

COMPANY'S MAXIMUM LIABILITY SHALL NEVER EXCEED THE AMOUNT ACTUALLY PAID BY CLIENT FOR THE SPECIFIC TRANSACTION GIVING RISE TO THE CLAIM.

14. INDEMNIFICATION

Client agrees to defend, indemnify, and hold harmless Reliant Advisory Services, LLC and its owners, officers, directors, employees, contractors, affiliates, successors, and assigns from any claims, liabilities, losses, damages, costs, or attorney fees arising from:

  • Client's breach of this Agreement;

  • False information supplied by Client;

  • Client's misuse of services;

  • Client's violation of law;

  • Credit applications submitted by Client.

15. FORCE MAJEURE

Company shall not be liable for delays or failures caused by circumstances beyond its reasonable control, including:

  • Natural disasters;

  • Government actions;

  • Bureau reporting changes;

  • Banking restrictions;

  • Technology failures;

  • Cybersecurity incidents;

  • Cardholder actions.

16. DISPUTE RESOLUTION, ARBITRATION, AND CLASS ACTION WAIVER

Any dispute arising out of or relating to this Agreement shall be resolved exclusively through binding arbitration.

The arbitration shall be conducted in Sheridan County, Wyoming under the rules of the American Arbitration Association.

The parties waive:

  • Jury trial rights;

  • Class actions;

  • Collective actions;

  • Representative actions;

  • Mass arbitration proceedings.

Claims may only be brought individually.

17. GOVERNING LAW AND VENUE

This Agreement shall be governed by and construed under the laws of the State of Wyoming, without regard to conflict-of-law principles.

If any matter is not subject to arbitration, exclusive jurisdiction and venue shall lie in the state or federal courts located in Sheridan County, Wyoming.

Each party consents to the personal jurisdiction of such courts.

18. ASSIGNMENT

Client may not assign any rights or obligations under this Agreement without Company's prior written consent.

Company may assign this Agreement at its discretion.

19. SEVERABILITY

If any provision of this Agreement is deemed invalid or unenforceable, all remaining provisions shall remain in full force and effect.

20. WAIVER

Failure by Company to enforce any provision shall not constitute a waiver of future enforcement.

21. ENTIRE AGREEMENT

This Agreement constitutes the entire agreement between the parties and supersedes all prior discussions, negotiations, understandings, and agreements.

No oral representations shall modify this Agreement.

22. ELECTRONIC SIGNATURES

Electronic signatures, typed signatures, digital signatures, and electronic acceptance shall be deemed valid and enforceable as original signatures.

23. CLIENT ACKNOWLEDGMENT

By signing below, Client acknowledges that:

  • Client has read this Agreement in its entirety;

  • Client understands all terms;

  • Client voluntarily enters into this Agreement;

  • Client agrees to be legally bound by all provisions herein.

Clear