This Agreement is entered into between Jamison Legal Group, a division of Identity Theft Solutions LLC "COMPANY", located at 6615 W Boynton Beach Blvd. #191 Boynton Beach, FL 33437, and “CLIENT”, regarding an agreement to provide credit related services by COMPANY and CLIENT’s agreement to pay for these services.

The below listed services the COMPANY provides will be for the benefit of the CLIENT, and the CLIENT authorizes the COMPANY to provide such Services for the CLIENT.

Jamison Legal Group’s Credit Report Audit and Repair Service:

  1. Review and assess the CLIENT’s current credit bureau reports from Experian, Equifax and Trans Union, and provide CLIENT with a detailed advice letter based off their 3-Bureau credit report from IdentityIQ.
  2. Attempt to validate or delete up to 5 negative items from each credit report per 30-day cycle to help improve CLIENT’s credit rating.
  3. Repeat Step 2 every month while CLIENT is a paying customer of COMPANY
  4. Provide CLIENT updates via email or via phone whenever CLIENT requests

Service Fees for the Above Listed Services – Fees are due only after the full completion of each Service as listed below.

The CLIENT will be charged $99.00 after COMPANY completes its Credit Report Audit Service and the CLIENT will be charged $99 per month until the CLIENT cancels only after we submit disputes each month to the 3 credit bureaus

Important – The above fees will be charged in an amount $20 less than the amount listed. A second charge of $19.99 will appear each month from IdentityIQ. We are discounting our service by $20 per month in order to compensate CLIENT in full for their IdentityIQ subscription. CLIENT must have an IdentityIQ subscription in order to allow COMPANY to import new credit report updates into our system every month. Our custom software is designed to work with the IdentityIQ platform which is why we are compensating CLIENT 100% of the $19.99 monthly subscription they have for IdentityIQ by charging them $20 less per month. IdentityIQ also gives CLIENT credit monitoring and insurance for identity Theft in addition to an updated tri-merge credit report and 3 credit scores every month. IdentityIQ is a separate service from COMPANY’s credit audit and credit repair service and must be canceled separately with IdentityIQ if CLIENT decides to cancel that subscription. Jamison Legal Group is not part of IdentityIQ and the IdentityIQ subscription must be canceled with IdentityIQ if CLIENT decides they don’t want the service.

CLIENT’s Responsibilities and Obligations:

  1. CLIENT agrees to sign a Limited Power of Attorney granting COMPANY specific right to contact, represent, and send correspondence produced by COMPANY on CLIENT’s behalf.
  2. CLIENT agrees to forward to COMPANY via mail immediately all correspondence received from creditors, credit reporting agencies and collection companies regarding the work we are doing. CLIENT is not supposed to forward us their bills, just correspondence from Collection Agencies and Credit Bureaus.
  3. CLIENT agrees to provide (initially and ongoing) access to their IdentityIQ login in order for COMPANY to work on their file.
  4. CLIENT agrees to maintain on-time monthly payments of any current credit obligations (nothing 30 days or more past due), not allow new collections, Judgments, Tax Liens, etc. Failure to maintain those payments will likely result in severe damage to any updates made to CLIENT’s credit by COMPANY.
  5. CLIENT agrees to contact COMPANY with any questions regarding their credit including applying for any consumer credit prior to the pursuit of new credit.
  6. CLIENT agrees to payment terms and conditions set forth in this Agreement regarding billing procedures and further agrees to maintain prompt payment of any Fees due COMPANY.

CLIENT understands that all fees that arise from COMPANY’s credit repair process are due immediately and failure to provide payment will prevent any further services or progress from COMPANY until all open balances are paid. COMPANY CAN AND WILL TERMINATE THIS AGREEMENT IF OPEN BALANCE DUE COMPANY IS NOT PAID WITHIN A TIMELY MANNER.

Disclosures which apply to all services rendered by COMPANY:

  1. CLIENT understands credit repair and restoration is not a quick fix, and COMPANY has not provided any specific promise or guarantee of time frame for updates on any given item of information.
  2. CLIENT will return, along with signed Agreement, a copy of their driver’s license, social security card, and a recent utility bill showing the correct address (phone bill, gas bill, electric bill, etc.).
  3. CLIENT agrees to open an IdentityIQ subscription for COMPANY to obtain all 3 of their credit reports in a format that COMPANY can easily import the data from and understands that COMPANY cannot proceed until this IdentityIQ subscription is started. CLIENT also agrees to keep their IdentityIQ subscription active at least for the time COMPANY is working on their credit.
  4. CLIENT understands that the COMPANY cannot and will not remove any derogatory information specified by CLIENT as 100% accurate information that is appearing on a CLIENT’s credit report. CLIENT agrees to review the audit letter that we send them and to view the section that lists the negative items appearing on their credit report. Should client feel that any of those items are 100% accurate and does not want us to validate or attempt to remove said item, CLIENT agrees to email us a list of those item(s) within 24 hours of receiving the credit audit letter.
  5. The COMPANY will not charge the CLIENT any fees in advance for any services under this Agreement.
  6. CLIENT must maintain an active credit monitoring account with IdentityIQ and share login details of account with COMPANY.
  7. CLIENT acknowledges that COMPANY does not guarantee CLIENT will receive any type of financing or additional benefits because of COMPANY’s services.
  8. CLIENT understands that the addition of new derogatory information will negatively impact the results of COMPANY’s service. CLIENT also understands that COMPANY will only attempt to remove erroneous, outdated, or incorrectly reported information from the credit reporting agencies as allowed by state and federal law and understands that COMPANY makes no claim beyond those changes allowed by state and federal law. This includes, but may not be limited to, inquiries, addresses, aliases, creditor accounts, and personal information.
  9. CLIENT acknowledges that COMPANY must discontinue services on any item(s) that are fully validated by the reporting source and confirmed to be verified by the reporting agencies.
  10. CLIENT understands that it is their right to execute similar disputes on their own behalf but has willfully elected to allow COMPANY to perform the services for the fees agreed upon by CLIENT and COMPANY.
  11. CLIENT acknowledges that 100% accurate information appearing on the CLIENT’s credit report cannot be removed from CLIENT’s credit report.
  12. CLIENT acknowledges that they have the option of utilizing a non-profit credit counseling agency if they are struggling to pay their monthly unsecured debt payments.
  13. This Agreement is entered into and shall be governed by and construed according to the laws of the State of Florida.
  14. CLIENT acknowledges they have received a copy of COMPANY’s privacy policy, and a copy of the required disclosures prior when signing this agreement.
  15. COMPANY will not charge the CLIENT in advance of providing the CLIENT with any services under this Agreement.
  16. CLIENT acknowledges that COMPANY retains the option of utilizing third party entities to provide its services to the CLIENT.
  17. CLIENT acknowledges that by reason of its relationship to COMPANY hereunder, they will have access to certain information and materials concerning COMPANY's business that are of substantial value to COMPANY. This value would be impaired if such information were disclosed to third parties. CLIENT agrees that it shall not use in any way for its own account or the account of any third party, nor disclose to any third party, any such confidential information revealed to it by COMPANY.
  18. If any provision of this Agreement is held to be invalid by a court of competent jurisdiction, then the remaining provisions shall remain in full force and effect.
  19. Jamison Legal Group offers no guarantee as to a specific result from the use of our services. Jamison Legal Group is hired for the attempted repair or removal of each item on which the CLIENT chooses for us to work.
  20. CLIENT understands that it is their right to execute similar disputes on their own behalf but has willfully elected to allow COMPANY to perform the services for the disclosed fees.
  21. Contract is month to month from the start date of the agreement based upon initial credit reports being received. CLIENT may cancel at any time by calling COMPANY or sending an email to [email protected] .
  22. CLIENT understands this is a binding agreement and failure to make the payments for completed services can result in negatively effecting CLIENT’s credit file. COMPANY also reserves the right to pursue legal action against the CLIENT for any fees that go unpaid by the CLIENT.
  23. Under Florida law, no fee may be collected in advance of performance of the services specified in this contract.
  24. CLIENT understands that IdentityIQ is a separate company and service from Jamison Legal Group’s credit services and that any cancellations of that service must be done directly with IdentityIQ by calling them at 877-875-4347.

Electronic Communication

CLIENT agrees, unless specifically requested otherwise, that by entering into transactions with COMPANY, CLIENT affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from COMPANY. CLIENT agrees that COMPANY has no liability to CLIENT whatsoever for any loss, claim, or damages arising or in any way related to COMPANY’s responses to any electronic communication, upon which COMPANY has in good faith relied.

Binding Arbitration Agreement

In the event of any controversy, claim or dispute between the parties arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, shall be determined by mandatory, binding arbitration in Palm Beach County, State of Florida. The parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be selected by the AAA. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not any attorneys’ fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury or to use the court system except to enforce this section. It also means that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.

NOTICE OF CANCELLATION

You may cancel this contract, without any penalty or obligation within three days from the date the contract is signed.

To cancel this contract, email a signed, dated copy of this cancellation notice, or any other written notice to [email protected] Cancellation will be effective the date your email is received and no other charges will be made on your credit/debit card. Given that COMPANY only charges your payment method AFTER work is performed, no refunds of any previous charges will be given unless it is within the first three days from when CLIENT initially hired COMPANY. Recurring charges are already earned before the payment method is charged.

I, hereby cancel this transaction

_____________________________ ______________
CLIENT's Signature Date
(Complete This Section Only if Canceling the Agreement)

PRIVACY POLICY of JAMISON LEGAL

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Please read this notice carefully to understand what we do.

    1. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Specific product or service needs, Social Security Numbers, Credit Profile, Address & Payment Information.
    2. All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons chosen to share; and whether you can limit this sharing.

Reasons we can share your info

Do we share your info?

Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

Yes, we share your info with necessary parties to help facilitate the products and services that you have contracted for.

No.

For our marketing purposes — to offer our products and services to you.

We share your info with vendors that assist us in offering various opportunities to you.

Yes, you can opt out of receiving any marketing from us for any products other than the products or service you have contracted for.

For joint marketing with other financial companies.

We occasionally share information with other financial and nonfinancial entities.

Yes, you can opt out of any non-essential sharing with third parties.

For our affiliates’ everyday business purposes— information about your transactions and experiences.

Yes, we share your info with affiliated parties to help facilitate your goals.

Yes, you can opt out of any non-essential sharing with third parties.

To limit our sharing of information or for ANY Questions: email [email protected]

Please note if you are a new customer we can begin sharing your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However you can contact us at any time to limit our sharing.

How does Jamison Legal protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted storage of all personal information, data security and breach protocols and secured files and buildings. All employees are trained and monitored on privacy and security protocols, we destroy all physical documents after they are no longer needed and keep electronic copies of them in a secure encrypted environment.

How do we collect your personal information?

We collect your personal information from all interactions that you have on our websites, web portals, email communications, telephonic communications, mail services and face to face interactions.

Information for Vermont, California and Nevada Customers:

In response to a Vermont regulation, we automatically treat customers with Vermont billing addresses as if they requested us not to share your information with nonaffiliated third parties, and that we limit the information we share with any affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you. In response to a California law, we will automatically treat individuals with a California billing addresses as if they had requested us not to share their information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us. Residents of the State of California may request a list of all third-parties to which we have disclosed certain information during the preceding year for those third-parties' direct marketing purposes. If you are a California resident and want such a list, please contact us at Jamison Legal 6615 W Boynton Beach Blvd. #191 Boynton Beach, FL 33437 or contact us at the telephone number listed above. In response to Nevada law, we are providing you this notice. You may be placed on our internal Do Not Call List by contacting us at the address set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: [email protected].

Why can’t I limit all sharing?

Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services and or delivery of contracted products.

What happens when I limit my sharing for an account I hold jointly with someone else?

We limit sharing for both individuals to ensure protection of your wishes.

Definitions:

  • Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.
  • Non-Affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 'credit repair' COMPANY or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

PAYMENT METHOD AUTHORIZATION

In consideration of the services provided to me by Jamison Legal Group, and upon completion of such; I, {{CLIENT FIRST NAME}} {{CLIENT LAST NAME}} hereby authorize Jamison Legal Group to debit the account provided in the voice recording consented to by CLIENT when CLIENT agreed to hire COMPANY to satisfy the amount then due every month until canceled. Charges will appear on your statement as coming from either Jamison Law Group or Jamison Legal. I “CLIENT” understand that I will not be charged in advance for any Credit Repair Services.

Credit/Debit Card:

On Record with recorded compliance call

No verbal communication other than the compliance call verifying the payment method will supersede this agreement.

I have read and agree to the terms listed within this document prior to signing.

Email (for a signed copy of this agreement)




LIMITED POWER OF ATTORNEY

I, , residing at:

hereby appoint Jamison Legal as my Agent.

My Agent shall have limited power and authority to act on my behalf. This power and authority shall be limited to the power to prepare and file documents with any credit reporting agency and to negotiate (if needed) settlement terms of unpaid creditor accounts.

This Power of Attorney shall be construed as a Limited Power of Attorney.

My Agent shall not be liable for any loss that results from a judgment error that was made in good faith. However, my Agent shall be liable for willful misconduct or the failure to act in good faith while acting under the authority of this Power of Attorney.

I authorize my Agent to indemnify and hold harmless any third party who accepts and acts under this document.

This Power of Attorney shall become effective immediately. This Power of Attorney shall continue effective until rescinded by written notice to my agent:

Jamison Legal Group
6615 W Boynton Beach Blvd. #191
Boynton Beach, FL 33437

Full Legal Name:
Last 4 of Social Security #:


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