Welcome to Rising Tides Consults LLC. By engaging with our services, you agree to comply with the terms and conditions outlined in our Retainer Agreement and Disclosure Statement, both of which are in accordance with the Credit Repair Organizations Act (CROA) and relevant state laws.
We are committed to providing a transparent, effective, and ethical service to assist you with your credit-related challenges. While we utilize industry-standard methodologies and aim for the best outcomes, it is crucial to note that we cannot guarantee specific results or improvements to your credit score, as per CROA regulations.
Rising Tides Consults LLC employs stringent security measures to protect your personal information. We have comprehensive data retention and business continuity plans in place, and our team adheres to organizational security protocols designed to safeguard your data. Your personal information will never be emailed or improperly shared, in compliance with state and federal laws.
As a client of The Credit Recipe, you are bound by specific responsibilities and obligations. By using our services, you agree to adhere to the terms and conditions detailed in this agreement, which is designed to be in compliance with CROA and relevant state laws.
You are responsible for providing accurate and complete personal and financial information as requested during the consultation and service delivery processes. This information is essential for us to effectively assist you, whether in credit repair or other services we offer.
Although we adhere to industry standards and use ethical practices, it's important to understand that we cannot guarantee any specific credit score improvements or outcomes. Your active cooperation and timely responses to our requests for additional information or documentation are essential for the effective provision of our services.
We employ stringent security measures to protect your personal information and comply with all relevant laws and regulations concerning data protection and privacy.
By engaging with the services of The Credit Recipe LLC, you agree to the terms outlined in our Payment Method Authorization. This section serves as your consent for the payment methods to be used for the services rendered.
You are required to provide valid and up-to-date payment information. Failure to do so may result in delays or discontinuation of services. It is your responsibility to notify us promptly if your payment information changes.
We employ secure payment processing methods to protect your financial information, in compliance with relevant data protection and privacy laws.
Please note that certain services may require upfront payment, installment plans, or recurring billing, as outlined in our Retainer Agreement. All payments are subject to our refund and cancellation policies, which are designed to be in compliance with CROA and applicable state laws.
By using the services of The Credit Recipe LLC, you may be required to grant us a Limited Power of Attorney (LPOA) for specific actions. This LPOA enables us to act on your behalf for the limited purposes outlined in our Retainer Agreement and Disclosure Statement.
The LPOA will be used solely for the services you have engaged us for, such as credit repair or financial consultation, and will not extend beyond these specified activities. This is in accordance with both CROA and state laws.
Granting the LPOA is subject to your full understanding and consent. You may revoke this authorization at any time, subject to the terms specified in our agreement.
All actions taken under this LPOA will be transparently reported to you, and we maintain high standards of confidentiality and security in handling your information.
The Credit Recipe LLC operates in compliance with federal laws and regulations, including the Credit Repair Organizations Act (CROA). Additionally, we adhere to state-specific laws and regulations concerning credit repair and financial services where applicable.
Certain states may have unique disclosure requirements or consumer protection laws that we are obligated to inform you about. These disclosures will be provided to you as separate documents or addendums to our Retainer Agreement and will be specific to your state of residence.
It's crucial for you to read and understand these state-specific disclosures, as they may affect your rights and obligations while using our services. Failure to comply with state-specific regulations may impact the services we can provide you.
For more information or clarification on state-specific disclosures, please reach out to our customer service team or refer to the additional documentation provided.
This Disclosure Statement serves to inform you about key aspects of the services provided by The Credit Recipe LLC. Our goal is to maintain full transparency while complying with the Credit Repair Organizations Act (CROA) and relevant state laws.
We provide credit repair and financial consultation services, but it's important to note that we cannot guarantee specific outcomes or improvements in your credit score. While we strive to assist you to the best of our abilities, credit repair is a process that varies in results.
This statement also outlines the scope and limitations of the Limited Power of Attorney (if granted), and any state-specific disclosures that may be applicable. We adhere to strict data protection and privacy protocols to ensure the safety of your personal information.
For complete details, please refer to our Retainer Agreement and other accompanying documents. If you have any questions or need further clarification, feel free to contact our customer service team.
This Arbitration Clause outlines the procedures for resolving disputes that may arise between you and The Credit Recipe LLC. By engaging with our services, you agree to resolve any disputes through binding arbitration rather than litigation in court.
Arbitration is a less formal process than a lawsuit and is conducted by a neutral arbitrator rather than a judge and jury. Arbitration may limit some of your rights to discovery or to appeal, as compared to a court proceeding.
The arbitration will be conducted in accordance with the rules specified in our Retainer Agreement, unless otherwise stated. This clause is intended to be as broad as legally permissible and is governed by the Federal Arbitration Act.
You have the right to opt out of this Arbitration Clause within a specific period after entering into this agreement, as detailed in our Retainer Agreement. To opt out, you must notify us in writing.
By using the services of Rising Tides Consults LLC, you grant us the authorization to take specific credit repair actions on your behalf. This authorization is in line with the scope outlined in our Retainer Agreement and Disclosure Statement.
This may include, but is not limited to, contacting credit reporting agencies, creditors, and other financial institutions to dispute inaccuracies, negotiate settlements, or facilitate any other actions aimed at improving your credit profile.
All actions taken will be in compliance with the Credit Repair Organizations Act (CROA) and relevant state laws. You will be kept informed of all actions taken and have the right to revoke this authorization at any time, in accordance with the terms specified in our Retainer Agreement.
Please note that we cannot guarantee specific outcomes or improvements in your credit score, as credit repair results can vary.
Rising Tides Consults LLC aims to provide exceptional service. However, we understand that there may be circumstances where you wish to cancel our services. The following outlines our cancellation policy in detail:
Notice Period:
To cancel your services, you must notify us in writing with a notice period of at least 30 days, unless otherwise specified in your Retainer Agreement.
Refunds:
Refunds for cancellation will be processed according to the terms stated in your Retainer Agreement. Please note that some services may be non-refundable once initiated.
Early Termination Fees:
An early termination fee may apply if you cancel services before a predetermined period, as detailed in your Retainer Agreement.
Revoking Authorization:
Upon cancellation, any ongoing actions under your Limited Power of Attorney will cease, and any state-specific disclosures will no longer apply.
Account Closure:
Your account and personal data will be securely archived and will only be accessible for legal or compliance purposes.
Compliance:
Our cancellation policy is designed to be in compliance with the Credit Repair Organizations Act (CROA) and applicable state laws.
Contact Information:
To proceed with cancellation, please contact our customer service team via the contact methods provided in your Retainer Agreement or on our website.
For any further queries or clarifications regarding cancellation, please feel free to reach out to us.
At Rising Tides Consults LLC, we believe in complete transparency and customer satisfaction. We want you to be fully aware of your right to cancel our services.
Timeframe:
You have the right to cancel this contract within 3 business days from the date of signing without incurring any charges, in accordance with the Credit Repair Organizations Act (CROA).
Method:
To exercise your right to cancel, please send a written notice to our customer service via the contact methods provided in your Retainer Agreement or on our website.
Refunds:
If you cancel within the specified timeframe, any payments made will be refunded in full within 10 business days.
Confirmation:
Upon receiving your cancellation notice, we will send you a written confirmation, signifying the end of your contract and the cessation of any ongoing services.
Post-Cancellation:
After cancellation, your account and personal data will be securely archived, and we will cease any actions taken under your Limited Power of Attorney.
State-Specific Rights:
Some states may have additional rights and regulations for cancellation. These will be detailed in your Retainer Agreement or provided as separate documents.
For more information or if you have any questions, please contact our customer service team.
At The Credit Recipe LLC, safeguarding your privacy is a top priority. Our Privacy Policy outlines how we collect, use, and protect your personal information.
Information Collection:
We collect personal information that you voluntarily provide, which may include your name, address, social security number, and financial details.
Usage:
Your information is primarily used to offer tailored services and to comply with legal requirements, including those under the Credit Repair Organizations Act (CROA).
Sharing:
We do not sell or share your personal information with third parties for marketing purposes. We may share your information only when required by law or as necessary for our services.
Security:
We employ robust security measures, including encryption and secure servers, to protect your information. Our employees undergo regular training to ensure data safety.
Retention:
Your data is retained in accordance with legal requirements and will be securely archived after the cessation of services.
Changes to Policy:
We reserve the right to update this Privacy Policy, and any changes will be communicated via our website or other appropriate channels.
Contact:
If you have questions or concerns about this Privacy Policy, please contact our customer service team via the methods listed in your Retainer Agreement or on our website.
The Credit Recipe LLC is committed to delivering high-quality service. Our 90 Day Money Back Guarantee is designed to give you peace of mind, albeit with specific conditions that must be met to qualify.
Eligibility:
To be eligible for the 90 Day Money Back Guarantee, you must have been a client for at least 90 days and must have actively participated in all recommended actions.
Active Participation:
Active participation includes promptly responding to our communications, providing requested documentation, and following the personalized action plan developed for you.
No Score Improvement:
The guarantee is only applicable if there has been zero improvement in any of your credit scores from any credit bureau following the first 90 days of service.
Documentation:
You must provide before-and-after credit reports from all three major bureaus to validate the claim.
Processing Time:
If you meet all these conditions, your refund will be processed within 30 business days.
Exclusions:
The guarantee does not cover changes in credit score due to factors outside of our control, such as additional debt incurred or late payments on your end.
To initiate the refund process, please contact our customer service team via the methods outlined in your Retainer Agreement or on our website.