Cents Savvy · Program Agreement

This agreement covers how the Cents Savvy Credit Score Improvement Program works, what you're committing to, and exactly what to expect — including your 90-Day Money-Back Guarantee. It's written to be clear and straightforward. If you have any questions, text us at 734-404-7441 before enrolling.

Section 1

How The Program Works

The Cents Savvy Credit Score Improvement Program runs on a month-to-month subscription. There is no long-term contract. Service fees include both technology fees and service fees.

The typical program duration is approximately six months — though you can cancel at any time with no penalties.

⚠️

Important — Billing Note We do not charge credit investigation fees prior to technology set up and program services. Credit investigation service fees begin in Month 2 to comply with all credit repair organization laws.

Section 2

Onboarding Window

After enrolling, new clients have 3 business days to complete onboarding.

🔒

Non-Refundable If Not Completed If onboarding is not completed within 3 business days of enrollment, the fee paid at enrollment is forfeited and non-refundable. Please complete your onboarding promptly after signing up.

Section 3

Your 90-Day Money-Back Guarantee

Cents Savvy stands behind its program. If you follow the requirements below and do not see results within 90 days, you are eligible for a full refund of Cents Savvy service fees.

Day Money Back
Guarantee

To qualify for the refund, you must remain actively enrolled for a minimum of 90 consecutive days, have three full rounds of investigations submitted on your behalf by Cents Savvy, and fully comply with all requirements listed below.

To Qualify You Must

✦ Pay all service fees on time for the full 90-day period
✦ Successfully enroll in the Cents Savvy Secured Card at initial enrollment
✦ Not apply for or open any new credit accounts during the program
✦ Pay all existing bills on time to prevent new negative items from appearing on your reports
✦ Use the secured card responsibly — make small purchases and pay the balance on time each month

Section 4

Refund Terms

What's Covered

Cents Savvy service fees only

Not Covered

Credit monitoring fees — these are non-refundable

Voids Guarantee

Failure to meet any of the eligibility requirements above

When To Request

After completion of the full 90-day period — not before

Questions?

Talk To Us Before You Enroll

If anything in this agreement is unclear — text us at 734-404-7441 before signing up. Our team responds within minutes during business hours.

No call required. Just answers.