Terms of Service

CROA-compliant terms governing our educational credit repair services

Last updated: December 1, 2024

IMPORTANT CONSUMER NOTICE - REQUIRED BY FEDERAL LAW

You have the right to cancel this contract within 3 business days from the date you signed it.

Any credit repair organization that contacts you without you making the first contact must tell you that you have a right to cancel the contract within 3 business days.

You cannot be charged any fee until the credit repair organization has performed the promised services completely.

Any credit repair organization must give you a copy of your contract and a written statement of your rights before you sign the contract.

1. Agreement to Terms

These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and The HOPE Foundation Group LLC ("Company," "we," "us," or "our"), concerning your access to and use of our educational credit repair services and materials.

By enrolling in our services or accessing our materials, you agree that you have read, understood, and agree to be bound by all of these Terms of Service. If you do not agree with all of these terms, then you are expressly prohibited from using our services.

2. Company Information

The HOPE Foundation Group LLC

1021 N Market Plz Ste 107 #765
Pueblo, CO 81007

Email: [email protected]

3. Educational Services Only

IMPORTANT: We provide educational information and materials only. We do NOT:

  • Guarantee any specific improvements to your credit score or credit report
  • Promise to remove accurate negative information from your credit reports
  • Provide legal advice or representation
  • Act as a credit repair service that performs work on your behalf

Our role is strictly educational. We teach you methods and provide tools, but you are responsible for implementing any strategies and taking all actions related to your credit.

4. No Guarantees or Warranties

WE MAKE NO GUARANTEES, WARRANTIES, OR REPRESENTATIONS ABOUT:

  • Improvements to your credit score
  • Removal of information from your credit reports
  • Timeline for any potential results
  • Success of any dispute processes
  • Approval for loans, credit cards, or other financial products

Individual results vary significantly based on your specific credit situation, the accuracy of information on your reports, your implementation of taught strategies, and factors beyond our control.

5. Right to Cancel

You have the right to cancel any paid service within 3 business days of enrollment for a full refund.This includes:

  • DIY Credit Repair Kit purchases
  • Coaching program enrollments
  • Any other paid educational services

To cancel, contact us at [email protected] within 3 business days of your enrollment date. Cancellations after this period may be subject to our standard refund policy.

6. Payment Terms

Payment is required before access to paid educational materials or coaching services is provided. We accept major credit cards and other payment methods as displayed during checkout.

For monthly programs, you authorize recurring charges to your payment method until you cancel. You may cancel recurring payments at any time through your account or by contacting support.

7. User Responsibilities

You agree to:

  • Use educational materials for personal use only
  • Not share, distribute, or resell our copyrighted content
  • Provide accurate information when enrolling
  • Follow all applicable laws when implementing taught strategies
  • Not hold us responsible for outcomes of your actions

8. Intellectual Property Rights

All educational content, including courses, templates, guides, and coaching materials, are proprietary to The HOPE Foundation Group LLC and protected by copyright law. You receive a limited, non-transferable license for personal use only.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE HOPE FOUNDATION GROUP LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

10. CROA Compliance

These terms comply with the Credit Repair Organizations Act (CROA) and other applicable consumer protection laws. You acknowledge that:

  • You have received this contract before making any payment
  • You have been informed of your 3-day cancellation right
  • No guarantees have been made regarding credit improvement
  • You understand the educational nature of our services

11. Governing Law

These Terms shall be interpreted and governed by the laws of the State of Colorado, without regard to conflict of law provisions. Any disputes shall be resolved in the courts of Pueblo County, Colorado.

12. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the new terms.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at:

The HOPE Foundation Group LLC
Email: [email protected]
Address: 1021 N Market Plz Ste 107 #765, Pueblo CO 81007

Your Consumer Rights

As a consumer of credit repair educational services, you have specific rights under federal and state law. These include the right to cancel within 3 business days, the right to accurate information about services, and protection against misleading claims. If you believe your rights have been violated, you may contact your state attorney general's office or file a complaint with the Consumer Financial Protection Bureau (CFPB).