TERMS AND CONDITIONS

What to know before ENROLLING?

  • Booking your consultation is the starting place! We will assess your need, and financial situation, and create a recommendation plan for you. Once you complete this step, you may enroll in services!
  • While enrolled as a client in our program, you will be required to keep the credit monitoring system that we use actively the entire time you are in any of our programs. This is an additional cost of $29.95 a month. We need to be able to see all 3 reports in detail. This acts as our eyes and ears when communicating with the credit bureaus, as well as updating you. If you let your credit monitoring cancel, and do not update it in a timely manner, you will be canceled as a client.
  • If you are in active bankruptcy, DO NOT SIGN UP for our service. If your bankruptcy has been dismissed or discharged, you can continue with the enrollment process.
  • If you are currently behind on your bills and cannot pay them on time for the next 6-12 months, please do not sign up for our services. We want you to get the most out of the process as possible and paying your bills late will hurt you regardless of our efforts in other areas.
  • Credit repair is a team effort, paying your bills on time, building/adding positive credit, and paying your credit card balances down is what we expect out of all our clients. If you are not willing to consistently do these things and follow the personal action plan we gave you, please do not sign up for our services.
  • If your onboarding is not complete within 3 days of your portal being active, we will cancel with S. Cunningham Consulting LLC. Monthly payments start 30 days after your enrollment payment and is based on the anniversary date.

Privacy policy

  • Information Collected from Clients
    • Consumers who complete and submit any of the forms (including our newsletter) on the S. Cunningham Consulting domain are considered a “Registrant.” S. Cunningham Consulting, LLC only collects Personally Identifiable Information that is volunteered during the signup process or in response to specific information requests. Personally Identifiable Information means the basic account and profile information entered by or on behalf of a client. This type of information is used to make contact and it includes First and Last name (middle initial and suffix, if applicable), Gender, Home or Mobile Telephone Number, E-mail Address, Current US Mail Address, and Credit Report Information. 
    • Non-Personally Identifiable Information data is collected by S. Cunningham Consulting, LLC. Personally Identifiable Information data collected by S. Cunningham Consulting, LLC. for advertising purposes is completely anonymous, and only includes information such as the Registrant’s IP address, date and time of visit, domain type, and their activity on our Advertiser’s and Partner’s websites. None of this information, individually or grouped together, can be traced back to a specific individual.
    • In addition, S. Cunningham Consulting, LLC may collect your IP address and information through use of electronic “cookies.” In computer language, a cookie is used to store data on a computer’s hard drive. Almost all websites utilize cookies to one extent or another. S. Cunningham Consulting, LLC may use its cookies to provide a service known as retargeting.
    • By providing Personally Identifiable Information and other information to this Site, the Registrant fully understands and unambiguously consents to the collection and processing of such information in, and the transfer of such information to the Network Sites, the United States, and other countries or territories, in accordance with the terms of this Policy.
    • If S. Cunningham Consulting is going to use your personal information differently from that stated at the time of collection, we will attempt to contact you via email using the most recent information we have. If you have not given us permission to communicate with you, you will not be contacted.
  • Cookies and User Tracking
    • Cunningham Consulting, LLC may use third-party advertising companies, including Google, to serve ads on its behalf. These companies may utilize cookies and action tags to measure advertising usefulness and to serve ads, based on a user’s prior visits to S. Cunningham Consulting LLC’s website. S. Cunningham Consulting, LLC uses Analytics data and the DoubleClick cookie to serve ads based on a user’s prior visits to S. Cunningham Consulting, LLC’s website. Users may opt-out of Google’s use of cookies, including the Double-click cookie, by visiting the Google advertising opt-out page. Users may opt out of Google Analytics by visiting the Google Analytics opt-out page. Users may opt-out of a third-party advertising company’s use of cookies by visiting the Network Advertising Initiative opt-out page. We are subject to place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information however, it will enable us to relate your use of this site to information that you have specifically and knowingly provided. You do not need to have cookies turned on to use this site. S. Cunningham Consulting, LLC tracks user traffic patterns. We do not associate this information with data about individual users. We analyze overall usage statistics according to a user’s domain name, browser type, and MIME type by, reviewing this information from the browser thread (information contained in every user’s browser).
  • Use and Disclosure of Information
    • S. Cunningham Consulting, LLC reserves the right to use Consumer Registrant Personally Identifiable Information: (for the specific purpose for which such information was provided (including matching Consumer Registrants with a credit-related company or companies); as disclosed at the time such information is provided; and as disclosed in this Policy. However, please note that S. Cunningham Consulting, LLC may change this Policy at any time, and therefore S. Cunningham Consulting, LLC may in the future use Consumer Registrant Personally Identifiable Information for additional purposes not currently included in this Policy.
    • S. Cunningham Consulting, LLC may share Consumer Registrant Personally Identifiable Information with its partners, affiliates, advertisers, service providers, marketers’ lookup and reference services, and any other entities that S. Cunningham Consulting, LLC believes are able to provide Registrants with special offers and opportunities. S. Cunningham Consulting, LLC advises everyone who receives Registrant Personally Identifiable Information from S. Cunningham Consulting, LLC to support this Policy, S. Cunningham Consulting, LLC has no control over such party’s information handling practices and is not responsible for any failure of such party to adhere to this Policy.
    • As a condition of registration, Consumers agree that S. Cunningham Consulting, LLC may share their Personally Identifiable Information with the Network Sites and unaffiliated third parties. If you do not agree that S. Cunningham Consulting, LLC may share your Personally Identifiable Information with such entities, you may not register with S. Cunningham Consulting, LLC’s services, and if you are already registered, you must instantly terminate your account, by following the instructions in “Opting-Out of Further Communications.” Finally, S. Cunningham Consulting, LLC may disclose Registrant Personally Identifiable Information to comply with applicable laws; respond to governmental inquiries; comply with valid legal processes; and protect the rights or property of S. Cunningham Consulting, LLC.
    • Registrants may opt-out of receiving further communications from S. Cunningham Consulting, LLC. At any time, registrants may choose not to receive promotional emails from S. Cunningham Consulting, LLC, or the Network; following the “unsubscribe” instructions in any S. Cunningham Consulting, LLC e-mail received by Registrant, emailing support@scunnconsulting.com
  • Offers and Links to Third-Party Sites
    • By enrolling with S. Cunningham Consulting, LLC, you may receive additional contacts/offers from third-party companies. Our site also includes links to other sites. We can’t be held responsible for services or representations of third-party advertisers and for the privacy practices or the content of such websites. We encourage you to learn about the privacy policies of those companies.
  • How We Protect Your Information
    • Cunningham Consulting, LLC protects the security of the data sent with physical, electronic, and managerial methods. We have security measures in place to protect the loss, misuse, and modification of the information under our control. S. Cunningham Consulting, LLC reviews these measures on a regular basis to ensure your protection. Please take every provision to protect your personal information online.
    • We will not share information about individual users with any third party, except to comply with applicable law or valid legal processes or to protect the personal safety of our users or the public. S. Cunningham Consulting, LLC communicates these privacy guidelines to every employee, affiliate, and third-party vendor that we engage in business with.
    • Cunningham Consulting, LLC does not knowingly solicit personal information from children or send them requests for personal information. S. Cunningham Consulting, LLC or its Network is neither intended for nor directed to, children under the age of 18. Should S. Cunningham Consulting, LLC learns that a person who registers on the Site is under the age of 18, we will promptly delete that individual’s registration.
  • SMS Messages
    • By providing a mobile phone number to us, you certify that you are the account holder, or have the account holder’s permission. For questions/concerns/assistance with SMS messages, email us at support@scunnconsulting.com or contact us at 513-268-6808 
    • Service Availability. All Major service carriers
    • Hardware and Software Requirements:
      • an SMS-capable mobile phone
      • an active mobile phone account with a communication service provider
      • sufficient storage capacity on your mobile phone.
    • Communications in Writing: All SMS Statement Notifications in electronic format from us to you will be considered “in writing.”

RETURN POLICY

  • Refunds/Cancellations are provided on a month-to-month basis and clients may cancel their service at any time and for any reason; at least 3 days in advance of the upcoming recurring payment. At the time of cancellation, the client is eligible for a refund of their monthly charges collected within the last 30 days. We strive to make certain every client is 100% Satisfied with the credit repair services we deliver. When canceled according to these terms, the upcoming recurring payment will constitute the final payment due for services rendered.
  • Digital Downloads are not eligible for returns.
  • All services are billed in arrears. Please contact our Company CEO - Sa-Leemah Cunningham directly with any additional requests, questions, or concerns at 513-268-6808. Thank you.