Welcome to the Accelerated Debt Payoff Program! We are thrilled to partner with you. We have built this agreement to be radically transparent as we welcome you to our community of clients all across the country passionate about being financially free from debt! Our goal is your financial momentum, and this document simply outlines how we will work together to get you there. Please review our mutual commitments below.
This Client Services Agreement (“Agreement”) is entered into by and between Accelerated Strategies, LLC, a Kwak Brothers Company (“Company,” “we,” “us,” or “our”) and the enrolling individual (“Client,” “you,” or “your”). By enrolling, you acknowledge that you have read, understood, and agreed to the terms outlined below. This entire agreement is governed by our Privacy Policy and our Terms of Service - together as one agreement.
1. Program Description (What We Do):
The Accelerated Debt Payoff Program is an education, strategy, and execution-support program designed to help you accelerate debt payoff through improved cash flow management, behavioral systems, and structured implementation.
Transparency & Regulatory Disclosure: We are strictly an educational consulting firm. We do not act as a debt settlement agency, credit counselor, or lender. We do not negotiate with your creditors, we do not settle debts on your behalf, and we do not alter the terms of any existing loans. The tools we provide are educational, and you are solely responsible for evaluating these models and assuming liability for any financial maneuvers or loan applications you choose to execute.
2. Scope of Services & Auto-Renewal (What You Get)
Your enrollment includes access to the following services:
- 12 Months of Unlimited One-on-One Coach Support: Ongoing guidance, accountability, and execution support.
- Annual Strategy Refresh (After 12 Months): We re-evaluate and adjust your plan after 12 months.
- 12 Months of Access to the Solvit™ Tracking Tool: Secure income, expense, and cash-flow tracking software.
- Complimentary Lifetime Access to Client Community, Weekly Group Calls/Workshops, & Ongoing Education Updates.
Our program(s) shall be considered delivered upon your access to the forementioned resources - by establishing a login and scheduling One-on-One coaching appointments.
Post-12 Month Solvit™ Subscription (Auto-Renewal)
Your ongoing access to the educational materials and client community will remain active permanently at no additional cost; you will remain a part of the program regardless of your software subscription. However, to ensure uninterrupted access specifically to the Solvit™ tracking software, your Solvit™ account will automatically transition to a month-to-month subscription on your 13th month at the rate of $15 per month (price subject to change with prior notice).
This subscription is exclusively for the continued use of the Solvit™ tracker, not for ongoing 1-on-1 coaching. Leading up to the end of your initial 12-month term, we will send an email notification acknowledging the upcoming expiration. You may cancel this Solvit™ monthly subscription at any time without penalty via a "One-Click Cancellation" found in the software settings menu. You will still retain your lifetime access to the educational program.
3. Client Responsibilities (Your Role in the Partnership) You acknowledge that results depend on your active participation, including providing accurate financial information, tracking income and expenses, attending scheduled sessions, and taking timely action.
If you are married or share finances, your Coach may recommend utilizing a spouse or partner's credit profile to secure the best possible terms. You agree that the inability or refusal of a spouse/partner to participate does not constitute a failure of the Company to provide a viable strategy.
4. Third-Party Financial Institutions (How We Work With Lenders)
If your custom strategy requires applying for a line of credit or other financial instrument, please note that we are not a lender or broker. Approval, terms, and processing timelines are determined solely by third parties, and no approval is guaranteed.
We do not control any lender's application process, follow-up timeline, or responsiveness. Any delays, dropped communication, or frustration caused by a third-party institution’s internal process does not constitute a fault or breach of this Agreement by the Company. Our role is strictly to coach you on the financial strategy, not to manage the timelines or behaviors of outside institutions. If a lender is unresponsive or their process is not to your liking, it is your responsibility to communicate this to your Coach so we can pivot to one of our other available options to keep your momentum moving forward.
Transparency & Affiliate Disclosure: To maintain full transparency, the Company discloses that it may receive referral compensation or affiliate commissions from certain third-party lenders, software providers, or vendors recommended during the program. However, you are under absolutely no obligation to use these specific vendors and may execute the strategies using any financial institution of your choosing. A refusal to execute a recommended application strategy, a denial from a third-party lender, or a lender's lack of responsiveness does not constitute a breach of this Agreement by the Company.
5. Results May Vary (Financial Realities)
Client acknowledges that individual financial results will vary based on personal discipline, market conditions, and pre-existing debt structure. While the company does its best to create estimates and potential projections, the Company makes no guarantees of specific dollar amounts saved, exact timelines achieved, or credit score improvements, outside of the mathematical projections provided during the coaching process. You have not been promised or gauranteed specific results or outcome as part of your enrollment to our program(s).
6. The 90-Day "Do-The-Work" Guarantee
We promise to help you pay off your debt faster, but we need you to do your part, too! This guarantee is to protect people who actively do the work.
Step 1: Start Your Guarantee Your 90-day guarantee officially starts the moment you go to your very first meeting with your Financial Coach. (We can't help you if you don't show up!)
Step 2: Do the Program If you do all the work, and our plan doesn't show you saving money or paying off debt faster than you would have on your own, you can ask for your money back.
To get a refund, you must do ALL of these things in your first 90 days:
- Track Your Money: Keep what you earn and spend very close to what you told us when you signed up. You must track this in SolvIT or our Accelerated Strategies Trackers.
- Meet Your Coach: Go to at least three (3) planned meetings with your Coach.
Take Action: Actually do the money steps your Coach gives you, and be able to prove you did them if we ask.
- Join the Community: Go to at least one (1) live Weekly Community Night.
- Finish Phase 1: Complete the Phase 1 learning videos.
- Our Promise to Each Other: We are here to help you every step of the way, but changing your money habits is a team effort! Because our coaches spend a lot of time building your special plan, this is an action-based guarantee. It is not a "change of mind" or "free trial" refund.
To keep things completely fair: if you skip your meetings or don't do the steps listed above, you are giving up your guarantee, and you will not be able to get a refund. We promise to work hard for you - we just ask that you work hard for yourself!
VALID Reasons for a Full Refund (After doing the work):
- Mathematical Failure: You meet execution requirements, but our strategy cannot mathematically beat your baseline.
- Company Mis-Enrollment: You clearly disclosed disqualifying financial factors prior to purchase, but our team enrolled you anyway.
- Absolute Dead-End Lender Denial: You followed all application guidance, were denied by lenders, and our coaching team determines there is no alternative "Plan B."
- Our Failure to Deliver Core Services: The Company fails to deliver the core coaching or resources outlined in Section 2 in a reasonable timeframe.
NOT A VALID Reason(s) for a Full Refund:
- "Cold feet" or a "change of mind".
- A spouse or partner refusing to participate after signing the agreement.
- Unforeseen changes in personal or financial circumstances - including job loss, medical emergencies, or other life events - after the initial strategy call.
- Withheld or inaccurate information provided at the time of enrollment.
- A self-determined lack of time or belief that the tracking process requires too much effort.
- Fear or hesitation due to macro-economic factors or interest rates.
- A third-party lender's delayed processing time, unfavorable terms, or failure to communicate in a timely manner.
7. Resolution Review Process (How We Handle Cancellations)
For any cancellation request, the Client agrees to attend a brief Account Resolution Call via Zoom. The purpose of this call is to ensure there are no technical misunderstandings, review metrics for a "Plan B," and formally document the departure. Completion of this call is a required administrative step for our internal 90-Day Guarantee review process. Approved guarantee refunds will be processed to the original payment method within 5 to 10 business days.
8. Communication Consent & Data Privacy (Protecting Your Information)
We take your privacy seriously. We agree to maintain the strict confidentiality of your personal financial data and will not sell, rent, or distribute this data to third-party brokers. By enrolling, you provide express written consent to be contacted by us via email, phone call, and SMS text message for coaching, administrative, and account resolution purposes. You also consent that all Strategy Consultations and community calls may be recorded and processed using AI tools to serve as the official record of your strategies and disclosures. For more details, please visit our Privacy Policy page.
9. Marketing Release & Testimonials (Celebrating Your Wins)
We love to celebrate our clients' financial victories! You agree that we may use your likeness, image, and/or name for marketing purposes. This includes social media advertising, videos, promotional images, print media, or any other form of marketing mediums. You waive any rights and entitlement to compensation for our use of your public reviews, statements, and/or comments for our own marketing purposes.
10. Chargeback & Dispute Policy (Our Mutual Respect Clause)
If you choose to bypass our internal Resolution process and initiate a credit card chargeback or bank dispute, our internal review process is immediately suspended. We reserve the right to submit this signed Agreement, IP logs, and all tracking data as definitive proof of service and participation to the merchant processor. See more details of our dispute policy on our Terms of Services which includes mandatory arbitration and class action waiver.
11. Limitation of Liability & Intellectual Property (Protecting Our Content)
To the maximum extent permitted by law, the Company shall not be liable for financial losses, third-party actions, or indirect damages arising from the use of our educational materials. All materials, software access, and content are licensed to you and does not constitute your ownership.
12. Governing Law, Severability, & Electronic Signatures (The Legal Details)
This Agreement, our Privacy Policy and our Terms of Service, together as one agreement, shall be governed by the laws of the State of Illinois. If any provision is found to be unenforceable, it will be limited to the minimum extent necessary so that this Agreement will otherwise remain in full force. Under the Electronic Signatures Act (E-SIGN), by executing this document digitally, both parties agree that electronic signatures carry the same legal weight as handwritten signatures.
By signing below, you agree to our money-back promise and policies, and acknowledge all of the above terms and conditions.