This Credit Repair Service Agreement ("Agreement") is entered into between Lionel Group Strategies ("Company," "we," "our," or "us") and the client identified during onboarding ("Client," "you," or "your").
By enrolling in services, submitting payment, signing electronically, or accessing the client portal, Client agrees to the terms outlined in this Agreement.
1. Purpose of Services
Lionel Group Strategies provides:
- credit-related consulting
- financial education
- strategic guidance
- dispute assistance
- onboarding and document organization
- client communication and progress tracking
- financial habit coaching
- consultation services
The purpose of these services is to assist clients in reviewing, organizing, and strategically addressing credit-related concerns.
Lionel Group Strategies is not a law firm, lender, financial institution, or credit bureau.
2. No Guaranteed Results
Client understands and acknowledges that Lionel Group Strategies does not guarantee:
- specific credit score increases
- financing approvals
- deletions of negative items
- immediate results
- exact timelines
- removal of accurate information
- approval for loans, mortgages, or credit products
Credit restoration and financial positioning are strategic processes that vary based on:
- client participation
- credit history
- creditor reporting
- bureau responses
- regulatory timelines
- external third-party actions
All services are provided on a best-effort basis.
3. Audit & Education Package
All new clients begin with a required Audit & Education Package.
The audit may include:
- consultation sessions
- document analysis
- credit review
- strategic planning
- onboarding evaluation
- educational guidance
Client acknowledges that the audit fee is not payment for credit repair services themselves.
Any membership pricing, monitoring requirements, or promotional adjustments are subject to current written service terms.
4. Membership Services
Lionel Group Strategies may offer multiple service tiers.
Services, support levels, communication frequency, strategic guidance, and included features may vary by membership tier.
The Company reserves the right to:
- revise service structures
- modify pricing
- adjust included features
- update workflows
- limit plan availability
Changes will not retroactively alter active signed agreements unless otherwise agreed.
5. Client Responsibilities
Client agrees to:
- provide truthful and accurate information
- upload requested documents promptly
- respond to communications in a timely manner
- maintain valid billing information
- attend scheduled consultations
- review educational materials
- cooperate with operational requests
- follow responsible financial practices
Client understands that:
- inaccurate information may negatively affect services
- delays in communication may delay processing
- financial habits directly impact results
Lionel Group Strategies is not responsible for delays caused by incomplete or inaccurate client information.
6. Dispute Assistance Authorization
Client authorizes Lionel Group Strategies to:
- assist in reviewing credit-related information
- help organize dispute documentation
- assist in preparing dispute communications
- provide strategic guidance regarding dispute activity
- communicate operational updates
Client remains responsible for:
- reviewing submitted materials
- verifying accuracy
- making final decisions
- complying with applicable laws
Lionel Group Strategies does not submit fraudulent disputes and does not advise clients to provide false information.
7. Educational Services
Client acknowledges that Lionel Group Strategies emphasizes:
- financial education
- realistic expectations
- strategic decision-making
- responsible credit management
- long-term financial positioning
Educational content and guidance are informational in nature and should not be interpreted as legal, tax, or financial advice.
Clients should consult licensed professionals where appropriate.
8. Communication Consent
Client consents to receiving communications through:
- SMS/text messaging
- phone calls
- Zoom meetings
- portal notifications
- automated systems
Communications may include:
- onboarding instructions
- scheduling updates
- billing notifications
- account activity
- educational materials
- service reminders
- workflow updates
Message and data rates may apply.
Clients may opt out of marketing communications at any time.
9. Scheduling & Meetings
Consultations are scheduled in designated time blocks.
Clients are responsible for:
- attending scheduled meetings
- arriving on time
- uploading requested documentation before appointments
Repeated missed appointments or excessive rescheduling may delay services or result in cancellation.
Lionel Group Strategies reserves the right to reschedule appointments when operationally necessary.
10. Billing Authorization
By enrolling in services, Client authorizes Lionel Group Strategies and its payment providers to:
- charge recurring membership fees
- process one-time payments
- process audit fees
- process invoices
- charge applicable taxes or fees where required
Client agrees to maintain valid payment methods at all times.
Failed or declined payments may result in:
- paused services
- restricted portal access
- account suspension
- delayed processing
- cancellation of services
Recurring services renew automatically unless canceled according to the cancellation policy.
11. Refunds & Cancellations
Refunds and cancellations are governed by the Lionel Group Strategies Refund & Cancellation Policy.
Client acknowledges that:
- completed work is generally non-refundable
- credit restoration timelines vary
- billing cycles continue until cancellation is properly processed
Clients are encouraged to contact support directly regarding concerns before filing payment disputes or chargebacks.
12. Client Portal Access
Clients may receive access to a secure client portal.
Portal features may include:
- status tracking
- messaging
- scheduling
- document uploads
- billing information
- educational content
- account updates
Client agrees to:
- maintain credential confidentiality
- avoid unauthorized access attempts
- use the portal responsibly
Lionel Group Strategies may temporarily restrict portal access for:
- maintenance
- security reviews
- operational updates
- payment failures
- policy violations
13. Third-Party Services
Lionel Group Strategies may utilize third-party systems for:
- payment processing
- communication
- scheduling
- automation
- analytics
- document storage
- operational support
- credit-related workflows
Client understands that third-party providers may process information necessary to provide services.
Lionel Group Strategies is not responsible for outages or interruptions caused by third-party systems.
14. Confidentiality & Data Protection
Lionel Group Strategies uses reasonable safeguards designed to protect client information.
However, Client acknowledges that:
- no system is completely immune from security risks
- internet-based services involve inherent risks
- clients are responsible for protecting login credentials
Information handling practices are further described in the Privacy Policy.
15. Acceptable Conduct
Client agrees not to:
- harass staff
- abuse support personnel
- submit fraudulent information
- misuse services
- attempt unauthorized access
- interfere with operations
Violation of these standards may result in immediate termination of services.
16. Limitation of Liability
To the fullest extent permitted by law, Lionel Group Strategies shall not be liable for:
- indirect damages
- consequential damages
- lost opportunities
- denied financing
- credit score fluctuations
- lender decisions
- bureau decisions
- delays caused by third parties
- inaccuracies supplied by clients
All services are provided "as is" and "as available."
17. Indemnification
Client agrees to indemnify and hold harmless Lionel Group Strategies and its representatives from claims arising from:
- false information supplied by Client
- misuse of services
- violations of law
- breach of this Agreement
18. Termination
Lionel Group Strategies reserves the right to terminate services for:
- fraud
- abusive behavior
- repeated chargebacks
- non-payment
- lack of cooperation
- policy violations
Termination does not eliminate outstanding financial obligations for completed services.
19. Compliance Disclosure
Client acknowledges receipt of all legally required disclosures where applicable.
Nothing within Lionel Group Strategies services should be interpreted as:
- legal advice
- tax advice
- guaranteed financial outcomes
- guaranteed credit score increases
Clients should consult qualified licensed professionals when appropriate.
20. Electronic Signature Consent
Client agrees that:
- electronic signatures are legally binding
- electronic records satisfy written record requirements
- digital acceptance constitutes agreement to these terms
Client consents to receiving documents electronically unless otherwise required by law.
21. Governing Law
This Agreement shall be governed by the laws of the State of Connecticut.
Any disputes arising from this Agreement shall be resolved in the appropriate courts located within Connecticut.
22. Entire Agreement
This Agreement, together with associated policies and disclosures, constitutes the full understanding between Lionel Group Strategies and the Client.
If any provision is found unenforceable, the remaining provisions shall remain in effect.
23. Client Acknowledgment
By signing electronically, submitting payment, or accessing services, Client acknowledges that they:
- have read this Agreement
- understand the services provided
- understand that results are not guaranteed
- understand recurring billing obligations
- agree to the policies and procedures described herein
- understand that credit restoration is a strategic process requiring participation and patience
24. Company Information
Lionel Group Strategies
36 Russ Street, 3rd Floor Hartford CT 06106
Business mailing address only. Lionel Group Strategies does not accept in-person visits at this location.
Website: lionelgroupstrategies.com
Service agreement and compliance questions: compliance@lionelgroupstrategies.com
Billing questions: billing@lionelgroupstrategies.com
Phone: (203) 856-8005