Terms of Service

Last Updated: October 3rd, 2025

Welcome to Fresh Start University LLC (“Company,” “we,” “us,” “our”). These Terms of Service

(“Terms”) govern your access to and use of our website [https://myfreshstartuniversity.com]

(“Website”) and our services, including credit repair, credit education, and funding assistance

(“Services”).

By accessing or using our Website or Services, you agree to be bound by these Terms. If you

do not agree, do not use our Website or Services.

1. Eligibility

● You must be at least 18 years old to use our Services.

● By using our Services, you represent and warrant that all information you provide is

truthful, accurate, and complete.

2. Services Provided

● Fresh Start University LLC provides credit repair, funding assistance, and credit

education services.

● We do not guarantee any specific results, credit score increases, or funding approvals.

● We follow all applicable laws, including the Credit Repair Organizations Act (CROA), Fair

Credit Reporting Act (FCRA), and Fair Debt Collection Practices Act (FDCPA).

3. No False Claims

● You agree not to provide false, incomplete, or misleading information.

● Misrepresentation of personal, financial, or business data may result in termination of

Services.

4. Payments

● Payments for Services are due as outlined in your Service Agreement.

● Late or missed payments may result in suspension or termination of Services.

● All fees are clearly disclosed in your Service Agreement.

5. Refunds & Cancellations

● Clients are entitled to a 3-day right of cancellation under CROA (explained in the “Right

of Cancellation” notice).

● Refunds are issued according to our Refund Policy, provided separately.

6. Client Responsibilities

● You are responsible for providing accurate personal and financial information.

● You must promptly send us all correspondence from credit bureaus, creditors, or

lenders.

● You must maintain your own financial obligations, including timely payments on

accounts.

7. No Legal, Tax, or Financial Advice

● We are not a law firm, accounting firm, or financial advisory service.

● Nothing in our Website or Services should be taken as legal, tax, or financial advice.

● You should consult with your attorney, CPA, or financial advisor for those matters.

8. Intellectual Property

● All content, logos, designs, training materials, templates, and documents on our Website

are the property of Fresh Start University LLC.

● You may not copy, reproduce, or distribute any materials without written consent.

9. Limitation of Liability

● We are not liable for any damages, losses, or denied credit applications that arise from

your use of our Services.

● We are not responsible for actions taken by credit bureaus, creditors, lenders, or

regulators.

● To the fullest extent permitted by law, our liability is limited to the amount paid for

Services.

10. Compliance with CROA

● Fresh Start University LLC complies with all provisions of the Credit Repair

Organizations Act.

● We do not make false claims, charge upfront fees, or misrepresent our ability to remove

accurate items from credit reports.

● All clients will receive the Consumer Credit File Rights (CROA Disclosure) and Right of

Cancellation Notice before signing any agreement.

11. Dispute Resolution & Arbitration

● Any disputes arising under these Terms shall first be attempted to be resolved through

good-faith negotiation.

● If unresolved, disputes shall be submitted to binding arbitration under the rules of the

American Arbitration Association (AAA).

● Arbitration will take place in [Your State], and judgment may be entered in any court with

jurisdiction.

12. Governing Law

● These Terms are governed by the laws of the State of [Your State], without regard to

conflict-of-law principles.

13. Updates to Terms

● We may update these Terms from time to time.

● Updated Terms will be posted on our Website with the “Last Updated” date.

● Continued use of our Website or Services constitutes acceptance of changes.

14. Contact Information

For questions regarding these Terms, contact us:

www.myfreshstartuniversity.com

Fresh Start University LLC

Email: [email protected]