📑 Terms of Service & Non-Disclosure Agreement
One Percent Group LLC
1. Introduction
These Terms of Service (“Agreement”) govern the credit repair services provided by One Percent Group LLC(“Company,” “we,” or “us”) to the client (“Client,” “you,” or “your”). By enrolling in our services, you agree to the following terms and conditions.
2. Services Provided
Company will assist Client in disputing, blocking, and removing inaccurate, unverifiable, or outdated negative items from the Client’s credit report with the three major credit bureaus.
Company provides tools, guidance, and dispute management through our secure Client Portal and support email.
*Important Disclosure: Negative items may be blocked from your credit report; however, under the Fair Credit Reporting Act (FCRA), creditors may request that previously blocked accounts be unblocked and reinserted. If this occurs, the item(s) may reappear. In such cases, the Client may simply request another dispute round inside the Client Portal. Client is subject to unlimited disputing rounds.
3. Client Communication
All communication must be conducted strictly through the Client Portal or via support@onepercentgroup.vip.
Phone calls, text messages, or social media messages are not official communication channels and will not be considered binding.
4. Client Responsibilities
Provide accurate and truthful personal information and documentation necessary to process disputes.
Maintain an active subscription with a credit monitoring provider. Enroll here: MyFreeScoreNow Credit Monitoring
Submit all requested information in a timely manner through the Client Portal.
5. Fees & Payments
Client agrees to pay the fees outlined in their service agreement or invoice.
Fees are non-refundable once a dispute round has been processed.
Missed or late payments may result in suspension of services.
6. Confidentiality & Non-Disclosure
Company agrees to maintain the confidentiality of all Client information, including personal identifying data, financial records, and credit reports.
Client agrees not to disclose, share, or misuse proprietary methods, templates, or internal processes provided by Company.
Both parties agree not to share confidential information with third parties unless required by law.
7. Compliance & Limitations
Company operates in compliance with the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and all applicable federal and state laws.
Company cannot and does not guarantee specific credit score improvements, lending approvals, or funding outcomes.
Results vary depending on the accuracy of information furnished by creditors and the responsiveness of credit bureaus.
8. Term & Termination
This Agreement begins upon enrollment and continues until terminated by either party.
Either party may terminate the Agreement with written notice.
Upon termination, services will cease, and no refunds will be issued for dispute rounds already initiated.
9. Limitation of Liability
Company is not responsible for any damages arising from the reappearance of blocked accounts, bureau reporting decisions, or creditor actions.
Client acknowledges that credit repair involves third-party entities (creditors, bureaus) outside the control of Company.
10. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Missouri.
11. Entire Agreement
This document represents the entire agreement between the Client and One Percent Group LLC and supersedes any prior verbal or written agreements.
12. Signatures
Client Acknowledgment:
I have read, understood, and agree to the Terms of Service and Non-Disclosure Agreement with One Percent Group LLC.