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.

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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 7 days to complete onboarding.

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Non-Refundable If Not Completed If onboarding is not completed within 7 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

Section 5

Data Retention & Document Access

All dispute letters, correspondence, and other documents generated on your behalf during the program are the property of Cents Savvy and its service partners. You can view and download these documents through your client portal for as long as your account is active.

To protect your personal and financial information — including identification documents and Social Security numbers — from unauthorized access, Cents Savvy follows a data minimization practice consistent with the FTC's Safeguards Rule (16 C.F.R. § 314.4), which calls for the secure disposal of customer information once it is no longer needed. Sensitive identifying documents and account data are archived and permanently removed from our active systems 14 days after account cancellation.

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Download Before You Cancel Portal access and previously generated documents are not available after cancellation or termination. Please download any documents you want to keep while your account is active — Cents Savvy is not able to reissue or retransmit them afterward.

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.