B2B VIRTUAL ASSISTANTS LLC
CREDIT DISPUTE ADMINISTRATIVE OUTSOURCING SERVICES AGREEMENT
1. DEFINITIONS
For purposes of this Agreement:
“Service Provider” means B2B Virtual Assistants LLC.
“Client” means the business entity purchasing administrative outsourcing services from the Service Provider.
“VA” means the virtual assistant or administrative support personnel assigned by the Service Provider to perform Services on behalf of the Client.
“Consumer” means an individual customer of the Client whose account may be processed through the Client's authorized systems and workflows.
“Round” means one cycle of administrative dispute processing performed for an eligible Consumer at the Client's direction.
“Processing Credit” means a prepaid unit purchased by the Client that may be applied toward an eligible administrative processing service as described in this Agreement.
“Services” means the business-to-business administrative outsourcing and virtual assistant support services described in this Agreement.
“Confidential Information” means non-public business, consumer, proprietary, or other sensitive information disclosed or made accessible in connection with the Services, regardless of format.
“Client Data” means information, records, documents, credentials, and other data provided or made accessible by the Client in connection with the Services, including information relating to the Client's consumers.
2. BACKGROUND & BUSINESS RELATIONSHIP
The Client desires to retain B2B Virtual Assistants LLC to provide business-to-business administrative outsourcing and virtual assistant support services in connection with the Client's business operations.
The Service Provider agrees to provide the Services subject to the terms and conditions of this Agreement and based on the Client's authorized instructions, documentation, systems, and workflows.
The Parties acknowledge that the Service Provider is an independent business-to-business outsourcing provider. The Client maintains the direct business and contractual relationship with its consumers and remains responsible for its consumer-facing services, representations, authorizations, billing practices, dispute decisions, and compliance obligations.
Nothing in this Agreement creates a direct contractual relationship between B2B Virtual Assistants LLC and the Client's consumers.
3. SERVICES PROVIDED
The Service Provider provides business-to-business administrative outsourcing and virtual assistant support to the Client.
At the Client's direction, Services may include:
Assisting with the administrative preparation and processing of dispute correspondence using information, documentation, instructions, and dispute reasons provided or approved by the Client;
Processing correspondence involving consumer reporting agencies, creditors, and collectors through the Client's authorized systems and workflows;
Updating the Client's credit-repair software and maintaining processing records;
Following up for documentation and providing administrative status updates when customer-support services are purchased; and
Other mutually agreed administrative support services.
The Client remains responsible for determining whether information should be disputed, the factual and legal basis for any dispute, obtaining all required consumer authorizations and documentation, and reviewing or approving dispute strategies and correspondence. The Service Provider may refuse or discontinue any instruction or requested service that it reasonably believes may involve false, misleading, fraudulent, unauthorized, or unlawful activity.
B2B Virtual Assistants LLC is an outsourcing and virtual assistant service provider. The Service Provider does not provide legal advice, financial advice, or consumer credit counseling and does not make decisions regarding the accuracy or validity of information appearing on a consumer's credit report.
4. TERM
This Agreement becomes effective on the date it is electronically signed by the Client and remains in effect until all Services are completed, unless terminated earlier. Either party may terminate with 10 days’ written notice. Termination does not automatically entitle the Client to a refund. Used and unused processing credits will be handled in accordance with Sections 19 and 20 of this Agreement.
5. INDEPENDENT CONTRACTOR
The Service Provider and its VAs are independent contractors and are not employees of the Client. The Service Provider shall have sole control over the means and methods of performing Services and is responsible for its own taxes, insurance, and licensing obligations.
6. NON-SOLICITATION
The Client agrees not to hire or contract with any VA introduced by the Service Provider during the term of this Agreement and for 12 months after its termination. A violation will result in liquidated damages of $5,000 per VA. This clause is reasonable and necessary to protect the Service Provider’s business.
7. FEES & PAYMENT TERMS
The Client agrees to pay the Service Provider according to the service package and number of processing credits selected at checkout. Current service options may include:
Administrative Dispute Processing Without Customer Support: $12 per client, per round
Administrative Dispute Processing With Customer Support: $15 per client, per round
Fees paid under this Agreement are business-to-business outsourcing fees for administrative processing services purchased by the Client for use in operating the Client’s business. These fees are not payments made by individual consumers to B2B Virtual Assistants LLC for personal credit-repair services.
Payment is due at the time the Client purchases processing credits. A credit is considered used once the applicable processing services for that client and round have commenced or been completed in accordance with the Service Provider’s procedures.
The Client is independently responsible for its own consumer billing practices, contracts, disclosures, authorizations, and compliance with applicable federal and state laws.
B2B Virtual Assistants LLC does not guarantee deletions, credit-score increases, improvements to a consumer’s credit profile, or any other specific outcome.
8. CONFIDENTIALITY
Both parties agree to maintain strict confidentiality of any sensitive or proprietary information shared during this engagement, including credentials, client information, and business processes. Confidential Information may be oral, written, electronic, or physical in nature. These obligations survive the termination of this Agreement indefinitely. Confidential Information may be used only as necessary to perform or receive the Services and may not be disclosed to third parties except as authorized by the other Party, required to perform the Services, or required by law.
9. OWNERSHIP OF WORK
Upon full payment, work products specifically created for and delivered to the Client in connection with the Services shall become the Client's property.
Notwithstanding the foregoing, the Service Provider retains all rights, title, and interest in its pre-existing materials, templates, processes, procedures, systems, methodologies, know-how, training materials, tools, and other intellectual property used in providing the Services.
Nothing in this Agreement transfers ownership of the Service Provider's pre-existing intellectual property to the Client.
10. DISCLAIMER
The Service Provider makes no guarantees regarding specific results or outcomes. All services are delivered in good faith based on prior experience. The Client is solely responsible for how the materials are used and implemented.
11. DATA SECURITY
The Service Provider will use commercially reasonable administrative and technical safeguards to protect Client Data and account credentials within its possession or control. Access will be limited to personnel reasonably requiring access to perform the Services.
The Service Provider will not knowingly disclose Client Data or credentials except as necessary to perform the Services, as authorized by the Client, or as required by law.
The Service Provider will notify the Client within a reasonable period after becoming aware of a confirmed security incident involving Client Data within the Service Provider's possession or control.
The Client is responsible for maintaining appropriate account permissions, enabling available security features, and removing or changing the Service Provider's access credentials following termination.
The Service Provider is not responsible for security incidents caused solely by third-party platforms, systems, or circumstances outside its reasonable control, except to the extent caused by the Service Provider's negligence, misconduct, or breach of this Agreement.
12. INDEMNIFICATION
Each party agrees to indemnify and hold harmless the other from any claims, liabilities, or damages arising from negligence, misconduct, or breach of this Agreement, including legal fees and third-party claims.
13. GOVERNING LAW & VENUE
This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles.
Except for matters required or permitted to be brought before a court in connection with arbitration under Section 17, the Parties agree that disputes arising out of or relating to this Agreement shall be resolved in accordance with the binding arbitration provisions of Section 17.
Any court proceeding permitted or required in connection with arbitration, including proceedings to compel arbitration, obtain permitted provisional relief, or confirm, enforce, modify, or vacate an arbitration award, shall be brought in a court of competent jurisdiction in Broward County, Florida, unless otherwise required by applicable law.
14. NOTICE
All notices under this Agreement must be delivered to the Party’s listed address or email. Notices sent via email shall be deemed received upon delivery confirmation, read receipt, or reply by the receiving Party.
15. MUTUAL NON-DISPARAGEMENT
Neither Party shall knowingly make false or defamatory statements concerning the other Party. Nothing in this section prohibits either Party from making truthful statements, providing information required by law, communicating with legal counsel or governmental authorities, or exercising rights that cannot lawfully be waived.
16. LIMITATION OF LIABILITY
The Client agrees to use the Service Provider's services at their own risk. The Service Provider shall not be liable for any indirect, incidental, special, or consequential damages. In no event shall the Service Provider’s total liability exceed the fees paid by the Client in the 30 days prior to the claim.
17. BINDING ARBITRATION
Except as otherwise provided in this Agreement or required by applicable law, any dispute, claim, or controversy arising out of or relating to this Agreement, the Services, or the relationship between the Parties shall be resolved by binding arbitration.
The arbitration shall be administered by the American Arbitration Association (AAA) in accordance with its applicable rules and shall be conducted by one arbitrator. The arbitration shall take place in Broward County, Florida, unless the Parties mutually agree in writing to another location or to conduct the proceeding remotely.
The arbitrator shall have authority to award any remedy or relief available under applicable law and consistent with this Agreement.
Either Party may seek temporary or preliminary injunctive or other provisional relief from a court of competent jurisdiction when necessary to protect its rights or property pending arbitration, without waiving the requirement to arbitrate the underlying dispute.
Judgment on any arbitration award may be entered and enforced in any court of competent jurisdiction.
Nothing in this Section is intended to waive or restrict any right or remedy that cannot lawfully be waived under applicable law.
18. FORCE MAJEURE
Neither Party shall be liable for delays or failures due to events beyond their reasonable control, including but not limited to acts of God, internet outages, cyberattacks, government orders, or pandemics.
19. NO REFUNDS ON USED SERVICES
Services already performed, labor hours already provided, and processing credits already used are non-refundable, except where otherwise required by applicable law.
A processing credit is considered used once the Service Provider has commenced the applicable processing services for the assigned client and round.
Unused processing credits remain available for future eligible services and do not expire, subject to the terms of this Agreement.
20. REFUND REQUESTS & BILLING DISPUTES
Any request for a refund or review of a billing issue should be submitted in writing within seven (7) days after the Client becomes aware of the billing or service issue.
The Service Provider will review the request and may issue a refund or credit for eligible unused services or unused processing credits in accordance with this Agreement and the Service Provider's applicable refund policy.
Nothing in this Agreement is intended to limit or waive any rights that cannot legally be waived under applicable law.
21. CLASS ACTION WAIVER & WAIVER OF JURY TRIAL
To the fullest extent permitted by applicable law, the Parties agree that any dispute arising out of or relating to this Agreement shall be resolved on an individual basis and not as part of any class, collective, or representative action.
To the fullest extent permitted by applicable law, each Party knowingly and voluntarily waives any right to a trial by jury for any dispute arising out of or relating to this Agreement that is not required to be resolved through binding arbitration.
22. PAYMENT DISPUTES
The Client agrees to promptly contact the Service Provider regarding any billing concern or disputed charge and provide the Service Provider a reasonable opportunity to investigate and resolve the matter.
The Parties agree to make a good-faith effort to resolve billing disputes before pursuing formal dispute-resolution procedures. Nothing in this Agreement is intended to waive or restrict any right that cannot lawfully be waived under applicable law or applicable payment-network rules.
23. CLIENT COMPLIANCE RESPONSIBILITIES
The Client is solely responsible for ensuring that its business operations, consumer relationships, billing practices, contracts, disclosures, authorizations, dispute instructions, and use of the Services comply with all applicable federal, state, and local laws and regulations.
The Client shall provide the Service Provider only with lawful, accurate, and properly authorized instructions and documentation necessary to perform the Services.
The Service Provider will not knowingly prepare, submit, or assist with false, misleading, fraudulent, or unsupported information, including false claims of fraud or identity theft.
B2B Virtual Assistants LLC provides administrative outsourcing services and does not provide legal advice or determine the Client's legal or regulatory obligations. The Client should obtain advice from qualified legal counsel regarding its compliance obligations.
The Client represents and warrants that it has obtained all permissions, consents, and authorizations necessary for the Service Provider to access and process Consumer information as necessary to perform the Services.
24. SEVERABILITY
If any provision of this Agreement is determined by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions of this Agreement shall remain in full force and effect.
25. ENTIRE AGREEMENT
This Agreement constitutes the entire understanding between the Parties concerning the Services and supersedes all prior or contemporaneous verbal or written agreements, representations, or understandings concerning the same subject matter. Any amendment to this Agreement must be agreed to in writing by both Parties.
26. ELECTRONIC SIGNATURE & ACCEPTANCE
The Parties agree to conduct this transaction electronically. By electronically signing and submitting this Agreement, the Client acknowledges that the Client has reviewed, understands, and agrees to be bound by its terms and represents that the person signing has authority to enter into this Agreement on behalf of the Client.
Electronic signatures and electronic records shall have the same legal effect as permitted under the Florida Uniform Electronic Transaction Act (UETA) and other applicable law.