TERMS AND CONDITIONS
RICH BY CREDIT LLC – TERMS & CONDITIONS
Last Updated: March 9, 2026
These General Terms and Conditions (the “Terms and Conditions”) govern the Service Agreement (the “Agreement”) entered into by and between Rich By Credit LLC, a Delaware Limited Liability Company, together with its affiliated entities (collectively, “RichByCredit”, the “Company” or “Consulting Firm”), and the individual or entity named as the “Client” in the Agreement. These Terms and Conditions are incorporated into and made a part of the Agreement. By executing the Agreement and/or accepting services from RichByCredit, the Client agrees to be bound by these Terms and Conditions.
| 1. DEFINITIONS
1.1 Affiliate: Any entity that controls, is controlled by, or is under common control with RichByCredit or the Client.
1.2 Confidential Information: Non-public information disclosed by one party to the other, including but not limited to trade secrets, methodologies, financial data, business plans, customer lists, and proprietary materials.
1.3 Intellectual Property (IP): All techniques, methodologies, processes, tools, software, logos, trademarks, training materials, and other proprietary content owned or licensed by RichByCredit, including any modifications or derivative works.
1.4 Services: Consulting, training, digital education, funding strategy guidance, and related deliverables provided by RichByCredit under the Agreement.
1.5 Client Obligations: Actions and responsibilities the Client agrees to fulfill as outlined in the Agreement and these Terms and Conditions.
1.6 Programs: Proprietary funding strategies, educational materials, consulting services, and digital programs developed and delivered by RichByCredit.
1.7 Applicable Laws: All federal, state, and local laws, rules, and regulations applicable to this Agreement, including United States federal laws, consumer protection laws, and financial regulations.
1.8 Personal Information: Any data provided by the Client that is protected under applicable privacy laws, including personally identifiable information (PII) and sensitive financial data.
| 2. Scope of Services
2.1 Description of Services: RichByCredit agrees to provide consulting, training, and related deliverables as outlined in the Agreement, including but not limited to:
• One-on-one consulting sessions or strategy calls
• Access to proprietary training materials, guides, and educational resources
• Guidance related to credit education, funding strategies, and financial structuring
• Access to digital courses, tools, or support resources related to credit and funding
2.2 Limitations of Services: RichByCredit does not guarantee specific funding outcomes, credit approvals, approval amounts, or timelines. Results depend on numerous factors including but not limited to the Client’s financial profile, compliance with instructions, and external financial institutions.
2.3 Right to Modify Services: RichByCredit reserves the right to update, modify, or discontinue any aspect of the Services without prior notice to the Client, provided such changes do not materially diminish the Client’s rights under the Agreement.
2.4 Third-Party Involvement: RichByCredit may collaborate with third-party service providers, lenders, financial institutions, or software platforms to deliver certain aspects of the Services. The Client acknowledges and agrees that RichByCredit is not responsible for the actions, approvals, or omissions of such third parties.
2.5 Educational Nature of Services: All services, materials, and information provided by RichByCredit are for educational and informational purposes only. RichByCredit does not act as a lender, credit bureau, financial institution, investment advisor, or legal advisor.
| 3. Fees and Payment Terms
3.1 Program Fee: The Client agrees to pay the total program fee outlined in the Agreement. All fees are non-refundable except as explicitly stated in Section 4.
3.2 Payment Methods: Payments must be made via the payment methods specified in the Agreement or checkout page, which may include credit card, debit card, payment processors, or financing providers.
3.3 Costs of Collection: The Client agrees to reimburse RichByCredit for all costs incurred in collecting overdue amounts, including attorney fees, court costs, and collection agency fees.
| 4. Refund PolicY
4.1 Eligibility for Refunds: Refunds may be granted only if the Client:
• Fully complies with all instructions provided by RichByCredit
• Actively participates in the program requirements
• Provides proof of completion of all required steps outlined in the program
4.2 Review Process: Refund requests must be submitted in writing and will be reviewed within seven (7) business days. If approved, refunds will be processed within seven (7) business days thereafter.
4.3 Exclusions: The Client is not eligible for a refund if they:
• Fail to follow program instructions or requirements
• Do not complete assigned steps or documentation
• Dispute charges directly with their bank, payment processor, or financial institution before contacting RichByCredit
| 5. Right to Cancel and Cooling-Off Period
In addition to any right to otherwise revoke an offer, you, the purchaser, may cancel this sale up to midnight of the third business day after the receipt of the merchandise or premium, whichever is later.
You will not have any cancellation rights beyond the 3-day right of rescission, and all sales are considered final thereafter.
If you wish to cancel your purchase, all cancellations must be submitted in writing.
You may submit the cancellation request by:
Mailing it to: Rich By Credit LLC – 651 N Broad St. Ste 205 #5878 – Middletown, DE 19709 – United States
Or emailing: services@richbycredit.com
| 6. Escalation Path for Complaints
The Client agrees to notify RichByCredit in writing of any service-related concerns or disputes before initiating any refund requests, payment disputes, or legal action. RichByCredit will review and respond to such concerns within ten (10) business days.
| 7. Intellectual Property AcknowledgmenT
The Client acknowledges that all training materials, guides, tools, templates, systems, strategies, and other deliverables provided by RichByCredit are proprietary and confidential.
The Client agrees not to:
- Share
- Reproduce
- Distribute
- License
- Reverse
- engineer
- Sell
- Republish
any materials provided by RichByCredit without prior written consent.
| 8. Right to Update Terms
RichByCredit reserves the right to update these Terms and Conditions at any time. Clients will be notified of significant changes where required by law. Continued use of services constitutes acceptance of updated terms.
| 9. Consequences of Breach
A breach of this Agreement includes, but is not limited to:
- Failure to comply with payment terms
- Misuse or unauthorized distribution of proprietary materials
- Violation of confidentiality provisions
- Misrepresentation of financial or personal information
Upon breach, RichByCredit reserves the right to terminate services immediately.
The Client remains responsible for any outstanding fees, and RichByCredit may pursue all available legal remedies.
| 10. Intellectual Property Ownership
All intellectual property developed, delivered, or shared during the course of providing services remains the exclusive property of RichByCredit.
The Client agrees to execute any documents necessary to confirm or perfect RichByCredit’s ownership rights if requested.
| 11. Survival of Key Clauses
The provisions related to confidentiality, intellectual property, indemnification, limitation of liability, governing law, and dispute resolution shall survive termination of this Agreement.
| 12. Dispute Resolution
12.1 Governing Law: This Agreement shall be governed by and interpreted in accordance with the laws of the State of Delaware, United States.
12.2 Dispute Resolution: Any disputes arising under this Agreement shall first be attempted to be resolved through good-faith mediation. If mediation fails, the dispute shall be resolved through binding arbitration in the State of Delaware.
| 13. TERMINATION
13.1 Termination by RichByCredit: RichByCredit reserves the right to terminate the Agreement in cases of:
- Non-payment
- Violation of terms
- Fraudulent activity
- Abusive or inappropriate behavior toward staff
13.2 Effect of Termination: Upon termination, all rights granted to the Client under this Agreement shall cease. Any outstanding fees or obligations remain due and enforceable.
| 14. Miscellaneous Provisions
14.1 Amendments : These Terms and Conditions may only be modified by a written agreement signed by both parties.
14.2 Notices: All notices required under this Agreement must be sent to: services@richbycredit.com
14.3 Entire Agreement: These Terms and Conditions, together with the Agreement, constitute the entire understanding between the parties and supersede all prior agreements, discussions, or understandings.