Terms & Conditions.

01. Acceptance and Scope

Welcome to Speak Life Financial Solution ("Speak Life," "we," "our," or "us"). These Terms and Conditions describe the rules applicable to our website and general information about our services.

By accessing or using this website, you agree to comply with applicable laws and the website-use provisions of these Terms.

Purchasing or enrolling in a credit repair service requires a separate written agreement and applicable disclosures. Merely visiting this website does not create a credit repair service contract.

If a provision of these Terms conflicts with a nonwaivable consumer protection or an applicable legal requirement, the applicable law controls.

02. Description of Services

Speak Life Financial Solution provides credit-related educational and support services intended to help consumers better understand their credit information and make informed financial decisions.

Depending on the selected service package and the separate written agreement, services may include:

• Credit report analysis and review
• Assistance identifying potentially inaccurate or incomplete credit reporting
• Assistance preparing and managing appropriate credit report disputes
• Access to a client portal
• Email and text service notifications
• Credit resources and education
• General credit-building guidance

The specific services, performance obligations, estimated duration, and costs applicable to an individual client will be identified in the separate service agreement.

Speak Life does not guarantee financing, mortgage approval, apartment approval, increased credit limits, or any particular credit score or credit reporting outcome.

03. Eligibility

Our consumer services are intended for individuals who are at least 18 years of age and legally capable of entering into contracts.

You must provide accurate identifying and contact information and complete applicable enrollment and verification requirements.

Speak Life may decline a new enrollment when it cannot lawfully or appropriately provide the requested services. Any cancellation of an existing agreement remains subject to the agreement and applicable law.

04. Available Service Packages

The following packages are currently advertised by Speak Life Financial Solution. These descriptions are informational and do not replace the detailed service agreement.

Advertised service periods describe the package duration and do not guarantee that a credit reporting dispute will be resolved within that period.

Any lawful payment schedule, billing authorization, recurring service terms, and total financial obligations must be clearly disclosed in the applicable written agreement before a client is charged.

05. Enrollment and Onboarding

To begin the enrollment process, clients select an available service package and complete the required documentation.

Onboarding requirements may include:

• Completing an enrollment questionnaire
• Reviewing and signing the applicable service agreement
• Receiving required consumer rights disclosures
• Providing valid proof of identification
• Providing current proof of residential address
• Obtaining access to an approved credit monitoring service
• Providing appropriate authorizations for requested services

Sensitive documents should be submitted only through the designated secure onboarding method.

Completion of onboarding does not waive any statutory cancellation rights or other consumer protections.

06. Credit Monitoring Services

Speak Life uses credit monitoring information to assist in evaluating client credit reports and tracking relevant changes.

Clients may be directed to MyFreeScoreNow, a separate third-party credit monitoring provider, as part of onboarding.

MyFreeScoreNow is not operated by Speak Life. Its subscription costs, billing arrangements, cancellation procedures, and privacy practices are governed by the terms presented by that provider.

Any required monitoring subscription, associated third-party charges, and alternative arrangements available to the client should be disclosed clearly before enrollment.

Speak Life does not guarantee the accuracy, availability, or uninterrupted operation of third-party monitoring services.

07. Credit Analysis and Disputes

Speak Life may review credit reports to identify information that appears inaccurate, incomplete, outdated, or otherwise subject to a legitimate dispute.

Where appropriate and authorized, Speak Life may assist clients with preparing or submitting disputes to consumer reporting agencies or information furnishers.

Credit reporting agencies and furnishers are responsible for investigating and responding to disputes under applicable law.

References to unlimited disputes mean that eligible, supportable disputes are not subject to an advertised numerical cap during the applicable service period. They do not mean that unsupported, duplicative, frivolous, or improper disputes will be submitted.

Consumers may dispute inaccurate information directly with consumer reporting agencies without hiring a credit repair organization.

08. Client Responsibilities

Clients are expected to:

• Provide truthful and accurate information
• Submit requested documentation through approved channels
• Review notices and correspondence relevant to their credit reports
• Notify Speak Life when contact information changes
• Maintain any separately agreed credit monitoring access
• Respond to reasonable requests for information needed to perform authorized services
• Use client portal credentials responsibly

Clients must not submit fabricated documents, knowingly false statements, or fraudulent identity information.

Speak Life may be unable to complete particular activities when necessary documentation or authorization is unavailable. Any resulting contractual rights and obligations remain subject to the written agreement and law.

09. Payments and Billing

Service prices and payment arrangements must be disclosed before a consumer enters into a service agreement.

Speak Life will not charge or receive payment for credit repair services before the services for which payment is sought have been fully performed, as required by the federal Credit Repair Organizations Act and other applicable laws.

If recurring billing is offered, the separate written agreement and billing authorization must explain the amount, timing, frequency, and cancellation method.

Third-party monitoring subscriptions, where applicable, are separate from Speak Life service fees and are governed by the provider's terms.

Nothing in these Terms permits fees prohibited by law or overrides a consumer's statutory remedies.

10. Cancellation and Refunds

Three-Business-Day Right to Cancel

Under the federal Credit Repair Organizations Act, a consumer may cancel a credit repair service contract without penalty or obligation at any time before midnight of the third business day after the contract is signed.

The separate service agreement must include the required cancellation language, and consumers must receive the required cancellation forms.

Cancellation After the Initial Period

Additional cancellation procedures, if applicable, will be explained in the signed service agreement and remain subject to applicable consumer protection laws.

Refund eligibility depends on the applicable legal requirements, the services actually performed, and the terms of the lawful service agreement.

Nothing in these Terms eliminates a consumer's right to a refund or other remedy provided by applicable law.

Cancellation questions may be directed to: [email protected] .

11. No Guaranteed Results

Credit reporting outcomes vary according to each consumer's circumstances, the information reported, the evidence available, and the investigation performed by relevant third parties.

Speak Life does not guarantee:

• A particular credit score or score increase
• Deletion of accurate negative information
• Removal of every disputed item
• Completion of disputes by a specific date
• Approval for a mortgage, automobile loan, or apartment
• Approval for business funding or higher credit limits
• Specific financing rates or terms

Credit education and dispute assistance do not substitute for responsible financial management or decisions made by lenders and other third parties.

12. Client Portal Access

Clients may receive access to an online portal to view service activity, available documents, and updates.

Portal access is intended for the authorized account holder. Clients should protect login credentials and notify Speak Life of suspected unauthorized access.

Portal information reflects available service records and should not be interpreted as a guarantee that a credit reporting agency has completed an investigation or changed a credit file.

Technical interruptions may occasionally affect portal availability. Speak Life will address service issues as reasonably appropriate.

13. Email and Text Communications

Speak Life may communicate with clients regarding inquiries, onboarding, requested documentation, service activity, and account administration.

Promotional text messages and other marketing communications will be sent only as permitted by applicable law and the recipient's consent or preferences.

Consent to marketing text messages is not a condition of purchasing services.

Where supported, recipients may reply STOP to opt out of SMS communications or HELP for assistance. Message and data rates may apply.

Communication practices are further described in our separate Privacy Policy.

14. Privacy and Data Security

Speak Life may process sensitive personal information, including identification documents, address verification, credit reports, and dispute-related records.

Our collection, use, sharing, retention, and protection of personal information are described in our Privacy Policy.

Clients should use designated secure document submission methods rather than sending sensitive information through ordinary email or SMS.

Applicable privacy and data security rights are not waived by these Terms.

15. Third-Party Services

Our website and services may integrate with independently operated third-party platforms, including credit monitoring providers, payment processors, client portals, and communication services.

These providers may have separate terms, privacy policies, pricing, and account requirements.

Clients should review the terms of a third-party service before registering or submitting information.

Nothing in this section limits rights a consumer may have against Speak Life under applicable law.

16. Intellectual Property

The original website text, branding, graphics, and other materials owned by Speak Life are protected by applicable intellectual property laws.

Visitors may use website materials for personal, noncommercial informational purposes but may not reproduce or commercially exploit protected content without permission, except as allowed by law.

These Terms do not restrict a consumer's ability to retain, use, or share copies of their own contracts, disclosures, and personal records.

17. Prohibited Website Activities

Visitors may not:

• Attempt unauthorized access to website systems or client accounts
• Interfere with website security or functionality
• Submit fraudulent information or impersonate another person
• Upload malicious software or harmful code
• Use the website for unlawful purposes

These restrictions do not prevent lawful consumer complaints, requests for information, or the exercise of statutory rights.

18. Website Availability

We work to maintain an accessible and functional website, but temporary interruptions, maintenance, or technical issues may occur.

Website content is provided for general informational purposes and should not be interpreted as an individualized credit assessment or financing determination.

We may update website content or features, provided that changes do not unlawfully alter existing service agreements or consumer rights.

19. Liability and Consumer Rights

Speak Life is responsible for its obligations under applicable law and enforceable service agreements.

We do not control independent lending decisions, credit reporting investigations, or third-party approval determinations.

Nothing in these Terms limits or waives rights, remedies, disclosures, or protections provided by the Credit Repair Organizations Act, the Fair Credit Reporting Act, applicable state consumer protection laws, or other nonwaivable laws.

No provision requires a consumer to waive statutory claims or remedies.

20. Governing Law

These website Terms are interpreted in accordance with applicable federal law and the state laws that properly govern the relevant matter.

Speak Life lists its business address in St. Petersburg, Florida. That address does not eliminate consumer protections applicable in other jurisdictions.

Nothing in these Terms imposes an exclusive court location or restricts a consumer's lawful choice of remedies.

21. Changes to These Terms

Speak Life may update these website Terms to reflect changes in business practices, technology, or legal requirements.

The effective date displayed above identifies the current published version.

Updates to website Terms do not retroactively change signed credit repair service agreements or eliminate statutory rights.