Terms of Services

The following statements outlines our privacy policy for Allure Senses Financial Services, LLC,  DBA Budget Credit 360, AKA Your Credit Goddess as it relates to how we collect, communicate and disclose and/or make use of your personal information. By using YourCreditGoddess.com (the “Website”) you accept the practices described in this Terms of Service and you are consenting to our terms.

TERMS OF SERVICES

Confidentiality

Your identity as a client will not be revealed nor the content of our meetings, conversations, phone calls/texts, business ideas, or any personal information discussed as a part of our business relationship without your approval. You have the right to share any personal information that you see fit.

Credit Monitoring & Credit Reports

Credit monitoring with Identity IQ is required throughout your enrollment into Allure Senses Financial Services, LLC,  DBA Budget Credit 360, AKA Your Credit Goddess will directly retrieve credit reports or scores. Inconsistent credit monitoring could potentially hinder your success. 

Appointments

·         A 24 hour notice is required if rescheduling or cancelling your consultation

·         No call/No shows forfeit all deposits

·         Failure to keep appointments consistently (2 occurrences) will suspend scheduling for 6 months

·         All consultations are conducted via phone unless otherwise stated

·         All credit repair business consultation fees are non refundable once the call has been performed.

Compensation

100% of all fees for any service package is required according to the contract signed. All recurring monthly payments are due within the office by 4pm EST on the due date of each month. All payments not received by this time frame incur a one-time  $25 late fee. Payment arrangements are only considered if the request is submitted within 5 days of the scheduled payment date. All monthly enrollment fees are automatically drafted from a major debit card. Cash, Money Orders are not accepted only with exception. 

Refunds/Cancellations

Enrollment fees are 100% refundable if cancellation requests are received within the initial 3 day of services. On the 4th day, Allure Senses Financial Services, LLC,  DBA Budget Credit 360, AKA Your Credit Goddess will deem you satisfied with enrollment and will not refund any portion of this fee. Cancellations received within 3 business days will receive full enrollment minus a $49 service audit fee (if a credit analysis was issued). Monthly service fees are non refundable and are automatically drafted on the 1st day of each month. Monthly service fees are collectible unless written notification is received via fax at 561.422.4899 or sent via postal mail to our processing center. Cancellation requests are required within 30 days of the next billing cycle.  Any unpaid balances will be outsourced to a third party debt collector or brought for review in a Mississippi small claims court. 

There are absolutely no refunds on business consultations.

There are absolutely no refunds on any mentorship enrollments unless the sessions have not began or have been cancelled by Precision Financial Recovery. Cancellation requests are due in writing 15 days in advance of the next billing cycle. Mentee will still be held financially responsible for monthly payment fee on the 16th day. 

Example #1:  Client A enrolls on January 1. Client has until January 4 to cancel in order to receive enrollment fee refund. Client is refunded but a accessed a $49 audit fee. 

Example #2: Client B wishes to cancel services on January 5.  Client B sends in cancellation request via fax. Client will NOT be charged a monthly service fee beginning the following month, February. 

Refunds are processed within 48 hours and sent via check form only to the address listed on the documentation of the start of the account. 

Promotional enrollment fees are 100% non refundable. 

Limitation of Liability

You expressly understand and agree that Allure Senses Financial Services, LLC,  DBA Budget Credit 360, AKA Your Credit Goddess shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if “Allure Senses Financial Services, LLC DBA Budget Credit 360” has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; or (v) any other matter relating to the service.

Please read this: 

Allure Senses Financial Services, LLC,  DBA Budget Credit 360, AKA Your Credit Goddess is not an attorney, accountant or certified financial advisors.  The information contained in this Website is not intended to be a substitute for legal advice that can be provided by your own attorney, accountant, and/or financial advisor. Although care has been taken in preparing the information provided to you, I cannot be held responsible for any errors or omissions, and I accept no liability whatsoever for any loss or damage you may incur. Always seek financial and/or legal counsel relating to your specific circumstances as needed for any and all questions and concerns you now have, or may have in the future. You agree that the information on our Website is not legal or financial advice. 

Allure Senses Financial Services, LLC,  DBA Budget Credit 360, AKA Your Credit Goddess Responsibility

Our job is solely to help and assist you in reaching your own goals, but your success depends primarily on your own effort, motivation, commitment and follow-through. We cannot predict and we do not guarantee that you will attain a particular result, and you accept and understand that results differ for each individual. Each individual’s results depend on his or her unique background, dedication, desire, motivation, actions, and numerous other factors. You fully agree that there are no guarantees as to the specific outcome or results you can expect from using the information you receive on or through this Website. The products and services sold on this web site are not to be interpreted as a promise or guarantee of a credit score increase. Your level of success in attaining the results from using our products and information depends on the time you devote to the program, ideas and techniques used, your finances, knowledge and various skills. Since these factors differ among each individual, we cannot guarantee your success nor are we responsible for any of your actions. This applies to both coaching & the credit repair services. 

Communication

All business and service related emails should be sent over to admin@yourcreditgoddess.com. Email responses are sent within 72 hours of receipt. Current clients are expected to communicate within their client portal.

All responses are made within normal business hours of operation from 10am to 7pm Monday through Friday. We’re closed Saturdays and Sundays. Emails received outside of business hours will be responded within the next business day in the order in the order in which they were received. Do expect  a response within 24-48 hours.