Terms and Conditions

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FORTEZA CREDIT LLC – GENERAL TERMS & CONDITIONS

1. Scope and Relationship with Program Contract

These General Terms & Conditions (“T&C”) apply to all credit repair and optimization services provided by Forteza Credit LLC to the Client, and complement the specific Program Contract signed for one of the following:

• Signature Program
• Elite Program
• Royal Program
• Legacy Program

In case of conflict between documents, the Program Contract governs the specific prices and payment schedule, and these T&C govern the general rules, duties, and protections.

2. Nature of Services (No Legal Advice – No Guarantees)

The Company provides:

• Review and analysis of Client’s credit reports.
• Preparation and mailing of legitimate written disputes to credit bureaus and/or creditors.
• Follow-up on responses and updating of the Client file.
• General education on credit management and improvement strategies.

The Client understands and agrees that:

• The Company does not provide legal advice and is not a law firm.
• The Company will not create, alter, or support false information in any dispute.
• No specific credit score, deletion, loan approval, or result is guaranteed.
• All services are professional ongoing services, not a product and not an instant solution.

The Client has the right to dispute directly with the bureaus without hiring anyone, under CROA and FCRA.

3. Programs, Service Price and Activation Fees

The Client may enroll in one of the following programs (as defined in the Program Contract):

• Signature Program
  • Activation Fee: US$ TBD
• Elite Program
  • Activation Fee: US$ TBD
• Royal Program
  • Activation Fee: US$ TBD
• Legacy Program
  • Activation Fee: US$ TBD

The Activation Fee for each program:

• Is an operational activation cost.
• Is not refundable.
• Is not credited toward the total program price.

The program price is typically collected in installments, as described in the Program Contract and/or Payment Plan Annex.

4. Payment Schedule and Methods

The Client understands:

• Payments may be structured monthly or in 15/30 billing cycles, as selected and signed in their Program Contract.
• The Company is authorized to charge the selected payment method for:
  • Program installments,
  • Any valid Late Fee,
  • Admin Fee and penalties as described herein.

Authorized payment methods include:

• Debit / credit card

The Client agrees to maintain a valid payment method on file and notify the Company of changes.

5. Late Fee Policy (Per Program)

The Client receives a 5 business day grace period after each due date.

If a payment remains overdue beyond the grace period, the following Late Fee may apply once per month in arrears (no compounding):

• Signature Program 
• Elite Program 
• Royal Program 
• Legacy Program

These fees:

• Are limited to one Late Fee per overdue month.
• Do not accumulate compounded interest.
• Are a disclosed and accepted charge under these T&C.

6. Automatic Cancellation for Non-Payment (2 Late Payments)

If the Client incurs in:

• Two (2) late payments (consecutive or not) within 60 days, the Company may automatically cancel the service contract.

In such case, the Client authorizes and agrees:

• An Admin Fee  and a penalty

These amounts:

• Are not refundable.
• Represent time, effort, and administrative costs already invested.
• May be contested only in cases of clear billing error or proven fraud, not for change of mind.

The Client can avoid cancellation by curing the default before the second late payment occurs and notifying the Company in writing.

7. Voluntary Cancellation and Right of Rescission

The Client has the right to:

• Cancel the agreement within three (3) business days after signing, by written notice (email to admin@fortezacredit.com  or letter), and no later than {3 BUSINESS DAY AFTER AGREEMENT HAS BEEN SIGNED}.
  • In this case, no Admin Fee nor two-month penalty applies.
  • The Client acknowledges that the Activation Fee is not refundable.

If the Client cancels after this rescission period:

• The Client accepts:
  • The US$ Admin Fee, and
  • A penalty equal to two (2) months of the regular payment of the active program.
• No refunds will be issued for the Activation Fee or any previous program payments.

8. No-Refund and No-Chargeback Policy

The Client understands and agrees that:

• All payments correspond to professional services, not a physical product.
• The Activation Fee, program installments, Late Fees, Admin Fee, and penalties are non-refundable, except in cases of clear billing error.
• The Client agrees not to file false or unjustified chargebacks with banks or card issuers for charges:
  • That are described in these T&C or in the Program Contract, and
  • That the Client authorized and were clearly explained.

This does not remove any rights the Client has under applicable law but constitutes a good-faith agreement regarding payment dispute mechanisms.

9. Client Responsibilities – Documents and IDs

The Client is solely responsible for:

• Providing all documents requested by the Company, including:
  • Legible copies of credit reports,
  • Creditor letters, statements, payment confirmations,
  • Evidence supporting disputes when applicable.
• Sending three (3) valid forms of ID for bureau disputes (e.g., driver license, state ID, passport, SSN card, or birth certificate).
• Keeping contact information updated (address, phone, email).
• Notifying the Company within 5 business days of any change in:
  • Logins and passwords of approved monitoring platforms,
  • Associated email addresses,
  • Security alerts or account locks.

Delays or limited results due to lack of documents or failure to update information are not the responsibility of the Company.

10. Monitoring Logins 

If the Client voluntarily provides access to services like:

• 
  
• Credit Karma
• Experian.com
• Other monitoring platforms

The Client understands that:

• Access is used only to review and track the case.
• The Client may revoke access at any time in writing, without refund of payments already made.
• The Client must notify any credential changes within 5 business days.

11. Bureau Timelines and No Control Over Decisions

The Client acknowledges:

• Credit bureaus (Experian, Equifax, TransUnion) usually take 30–45 days to respond to written disputes.
• In some cases, responses may take 60–90 days depending on volume or additional verification.
• The Company does not control internal bureau timing, decisions, or creditor responses.

12. Early Settlement Discounts (Elite, Royal & Legacy Only)

Early settlement discounts apply only to:

• Elite Program
• Royal Program
• Legacy Program

When the Client chooses an approved early payoff option, and it is confirmed in writing by the Company:

Discounts must be:

• Requested in writing, and
• Approved and documented by the Company.

13. Privacy and Use of Information

The Company will use Client information solely to:

• Execute the services described in the contracts, and
• Comply with legal, regulatory, and administrative duties.

The Company does not sell Client personal information.

Data may be shared only with:

• Relevant credit bureaus and creditors,
• Technology and payment processing providers under confidentiality protections,
• Authorities when required by law.

Further details may be outlined in a separate Privacy Policy document or webpage.

14. Arbitration and Governing Law

Any dispute relating to these T&C or the services provided will be resolved through:

• Binding private arbitration in the State of Florida.

To the extent permitted by law, the Client:

• Waives participation in class action lawsuits against the Company regarding services under these T&C or the Program Contract.

These T&C are governed by the laws of the State of Florida and any applicable federal law.