Legal Disclaimers & Notices

1. FTC Credit Repair Organizations Act (CROA) Disclosure

Your Consumer Rights

You have the right to:

1. Sue a credit repair organization that violates the Credit Repair Organizations Act or state credit repair laws within two years from the date of the violation
2. Recover actual damages or statutory damages of not less than $100 and not more than $5,000, plus costs and attorney's fees
3. Obtain injunctive relief prohibiting illegal practices
4. Cancel or waive the contract within three business days from signing, without obligation or penalty
5. Receive a full refund of any money paid if you cancel within the three-business-day period

What Credit Repair Organizations Cannot Do

Credit repair organizations cannot:

• Make false or misleading statements about their services
• Charge you before delivering promised services
• Perform any service until three business days after you sign a contract
• Guarantee or promise any specific results
• Advise you to dispute accurate information
• Advise you to alter your identity to obtain credit
• Advise you to create a new credit file

What You Should Know About Credit Repair

• Only time, payment of debts, and responsible credit behavior can improve your credit report
• Negative but accurate information cannot be removed from your credit report by law
• The credit reporting agencies are required to remove accurate negative information after seven years (ten years for bankruptcy)
• You have the right to dispute inaccurate information directly with credit reporting agencies
• You do not need to pay anyone to exercise your rights under the Fair Credit Reporting Act

2. Fair Credit Reporting Act (FCRA) Notice

Disclosure of Use of Consumer Reports

SCORE TO CAPITAL may obtain consumer reports and credit information about you from consumer reporting agencies to evaluate your eligibility for credit products and services, verify your identity, and assess your creditworthiness.

Your Rights Under the FCRA

You have the right to:

1. Know what is in your file - Request your consumer report from any consumer reporting agency or visit www.annualcreditreport.com
2. Dispute inaccurate information - Dispute directly with the consumer reporting agency and the furnisher
3. Request corrections - Agencies must correct inaccurate information within 30 days
4. Opt-out of prescreened offers - Call 1-888-5-OPTOUT or visit www.optoutprescreen.com
5. Know who accessed your report - You have the right to know who requested your consumer report
6. File a complaint - File with the Federal Trade Commission if your FCRA rights are violated

For more information: Visit www.ftc.gov/credit

3. Audit Fee Disclosure (Credit Repair Services)

Credit Repair Audit Fee Policy

What the Audit Fee Covers

1. Credit Report Review from all three bureaus (Equifax, Experian, TransUnion)
2. Detailed analysis of negative items and inaccuracies
3. Customized credit repair strategy development
4. One-on-one consultation to discuss findings
5. Preparation of dispute letters and documentation

What the Audit Fee Does NOT Cover

• The audit fee is separate from any service packages
• Does not include ongoing credit monitoring or maintenance
• Non-refundable once the audit has been completed
• Additional services beyond the audit require separate payment

4. Funding Services Disclaimer

What We Do

SCORE TO CAPITAL provides consulting and guidance on capital access and funding options. We help connect businesses with potential funding sources and provide strategic advice on funding applications.

What We Do NOT Do

• We are NOT a lender or financial institution
• We do NOT guarantee approval for any loan or funding
• We do NOT guarantee specific loan amounts or terms
• We do NOT guarantee funding timelines

Important Disclaimers

1. No Guarantee of Funding - Approval is solely at the lender's discretion
2. Lender Requirements - Lenders have their own standards and approval processes
3. Terms and Conditions - Loan terms are determined solely by the lender
4. Not Legal or Financial Advice - Consult with qualified professionals before entering agreements
5. Your Responsibility - You are responsible for reviewing all documents and seeking independent advice

5. Earnings & Results Disclaimer

No Guarantee of Results

SCORE TO CAPITAL makes no guarantee regarding:

• Credit score improvements
• Funding approval or amounts
• Business growth or revenue
• Return on investment
• Any specific financial results

Testimonials and Case Studies

Testimonials and case studies represent the experiences of specific individuals and are NOT typical or guaranteed results. Results vary significantly based on individual circumstances, commitment, market conditions, and lender decisions.

Your Success Depends On

• Your personal financial discipline
• Your business management skills
• Market conditions and economic factors
• Lender decisions
• Multiple factors outside our control

6. Terms of Service

Acceptance of Terms

By using SCORE TO CAPITAL's services, you agree to be bound by these Terms of Service. If you do not agree, do not use our services.

Payment Terms

• All fees are due upon invoice unless otherwise agreed
• Late payments may result in suspension of services
• Refunds are subject to specific refund policies
• All prices are in USD

Cancellation Policy

• You may cancel services at any time with written notice
• Cancellation does not entitle you to refund for services already provided
• Cancellation within 3 business days may qualify for full refund (see specific terms)

Limitation of Liability

SCORE TO CAPITAL is provided on an "as-is" basis. We make no warranties regarding accuracy, results, or performance. To the maximum extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages.

Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

7. Privacy Policy

Information We Collect

We collect information you provide directly to us, including:

• Name, email address, and phone number
• Business information and financials
• Credit information and reports
• Payment information
• Communication preferences

How We Use Your Information

• Provide and improve our services
• Communicate about your account
• Process payments
• Comply with legal obligations
• Prevent fraud and unauthorized access

Information Sharing

We do not sell your personal information. We may share information with:

• Service providers (payment processors, credit bureaus)
• Lenders (only with your consent for funding applications)
• Legal authorities (if required by law)

Data Security

We implement appropriate measures to protect your personal information. However, no method of transmission over the internet is 100% secure.

Your Rights

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Opt-out of marketing communications

8. Compliance & Regulatory Notices

SCORE TO CAPITAL Complies With

• Credit Repair Organizations Act (CROA) - 15 U.S.C. § 1679
• Fair Credit Reporting Act (FCRA) - 15 U.S.C. § 1681
• Fair Debt Collection Practices Act (FDCPA) - 15 U.S.C. § 1692
• Gramm-Leach-Bliley Act (GLBA) - 15 U.S.C. § 6801
• CAN-SPAM Act - 15 U.S.C. § 7701
• State consumer protection laws
• State credit repair organization laws

Regulatory Agencies

• Federal Trade Commission (FTC): www.ftc.gov
• Consumer Financial Protection Bureau (CFPB): www.consumerfinance.gov

How to File a Complaint

1. Contact us directly at contact@myscoretocapital.com
2. File a complaint with the FTC at www.ftc.gov/complaint
3. File a complaint with your state's Attorney General
4. File a complaint with the CFPB at www.consumerfinance.gov

Contact Information

For questions about these legal notices and disclaimers, please contact:

SCORE TO CAPITAL
Email: contact@myscoretocapital.com
Phone: (346) 476-3616
Website: https://myscoretocapital.com
Location: Houston, TX (Serving All 50 States)