Terms and Conditions

A. Business Building Education

This Business Building Educational Service Contract between Kompenso Group and the undersigned “Client” (refers to each Individual and in the case of a couple, each Individual is a Client) is for the purpose of purchasing business building educational documents (the “Educational Program”) and certain defined services. The Educational Program will assist you in understanding business compliance, guidelines and examples of draft letters for transmittal to business creditors, documents pertaining to inability of making timely payment on the terms and conditions established by the business credit, draft templates for responding to claims asserted by a collection agency or law firm retained by creditor for debt collection services, educational materials explaining the Fair Isaac Corporation (“FICO”), a behavioral model used by Lenders, Creditors, Employers, Insurance Companies, etc. in determining creditworthiness, educational materials for applying for residential mortgage for primary residence, educational documents for how to successfully re-establish credit after bankruptcy, a template budget worksheet with commentary to be used from the onset of this program to give you a benchmark for what is realistic and in determining your priorities as you create a foundation for future of handling of your income to fulfill your financial goals. Additionally, Kompenso Group will provide “Services” of obtaining your credit history, researching the data, preparing correspondence related to any discrepancies and sending to credit reporting agency to request removal of erroneous, incomplete, outdated, misrepresented or unverifiable information that appears on the credit history report. This is not a debt consolidation or bill payment program. Further, the educational materials and Services rendered pursuant to this Service Contract are not intended to be nor should they be construed to be a legal opinion or a substitute for a legal opinion with respect to any area of law, including but not limited to, bankruptcy. Federal law requires that any unverifiable, outdated, incomplete or erroneous information must be removed from consumer credit reports by the credit reporting agencies. Kompenso Group agrees to use its best efforts to provide these Services and will perform them in accordance with federal and state laws.

B. Fees and Costs

The Client understands that there will be a fee for the Data Point Analysis/Educational Materials per Individual. Full amount or setup fee is due and owing at the time this Contract is signed, payment plan installment will be due 2 weeks after the initial consultation fee is paid. Kompenso Group will not commence any work prior to receiving a fully executed contract by each Individual, the setup fee or one-time fee for each Individual Client per Individual, a copy of valid social security card and proof of actual address of residence in the form of utility bill or the equivalent thereof. Notwithstanding the foregoing, the Setup Fee or full One-Time Fee is due upon signing of this Contract. If Kompenso Group does not receive timely payment of the entire amount, the Client understands and agrees that Kompenso Group shall not be liable for any of the Services it committed to undertaking. The Client will be entitled to keep all educational materials given to Client at the time of execution of the Contract or via the educational information on the website, and further Client expressly waives any right to commence any type of legal or administrative action arising from Client’s failure to timely pay each installment and there will be no refund.

C. Cancellation & Refund Policy

Notice of Right to Cancel

You may cancel this contract, without any penalty or obligation, at any time before midnight on the 3rd day which begins after the date the contract is signed by you.

“To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Kompenso Group , before midnight on the 3rd day which begins after the date you have signed this contract stating, “I hereby cancel this transaction, (date) (purchaser’s signature).’’

Please acknowledge your receipt of this notice by electronically signing the form indicated below.

Refund Policy

Refunds are only applicable within 72 hours (three days) after signing of this contract and/or application (72 hour right of rescission) if after 72 hours, upon the completion of three cycles or one year (whichever comes first) once all updated credit reports are faxed, emailed or mailed to the corporate office in a timely manner.

We will review all business plans and data analysis to analyze what needs to be corrected or offer a refund as follows: $289 is nonrefundable, $50 per item per each data point analysis cumulatively and $25 per inquiry per each reporting agency cumulatively that was removed, changed or reversed. The remainder will be mailed within five business days.

We can’t guarantee results of any kind. Your setup and monthly fees are for educational materials, reviewing business history, researching the data, preparing correspondence related to any discrepancies and sending to business reporting agencies to request removal of erroneous, incomplete, outdated, misrepresented or unverifiable information that appears on the NAV business history report.

Cancellation Policy

In accordance with paragraph A. Client understands that Kompenso Group will analyze/audit the Client’s business reports and develop a plan to investigate, validate, and delete, correct or change those negative items which can be deleted, corrected or changed under current federal and state law during the term of this Contract. Kompenso Group is committed to taking action by correspondence on at least three (3) cycles (i.e., a “cycle” shall consist of three (3) challenges and responses thereto to and from the credit agencies to remove a discrepancy or discrepancies). In the event an Individual Client is not satisfied with Kompenso Group services after it has completed three (3) cycles, then Client may request in writing that Kompenso Group no longer perform any Services on Client’s behalf and Kompenso Group will be entitled to retain amount for all Services rendered to date.

Completion Date

The Client understands and agrees that at least three (3) cycles (i.e., reporting agency exchanges of correspondence and the continuing analysis/audit and investigation/dispute with reporting agency, all correspondence associated with the credit report audit, investigation, and improvement process, the review for changes with each applicable reporting agency, creditor or public record holder, and the continuing planning and creation of documents for the purpose of business report improvement) is a process that takes time and cannot be stated with any degree of certainty when it will be completed.

For this reason, the Client expressly understands and waives any right for any refund of any monies paid in the event the Client elects to cancel this Contract with Kompenso Group prior to its completion of three (3) cycles or 72 hour right of rescission.

F. Client Obligation

The Client agrees to send via mail, email or fax, all business reports and/or correspondence received from respective reporting agencies to Kompenso Group within five (5) days or sooner after the date received. If the Client has not received any credit reports or correspondence from the credit agencies within sixty (60) days after the date of the initial credit report analysis/audit etc., the Client must notify Kompenso Group via phone conversation or writing.

G. Term of Contract

The term of this Contract shall be for three (3) cycles as defined in Paragraph C above but in no event shall the term of this Contract extend beyond one (1) year of the date of execution. Prior thereto, Client may cancel this Contract at any time subject to the terms and conditions set forth herein.

H. Limited Power of Attorney

By executing this Contract to obtain Kompenso Group, the Client grants Kompenso Group a limited power of attorney, by and through its authorized representatives, to: i) use any information provided by or on behalf of Client to obtain from reporting agencies, creditors, collection agencies and other holders of records of Client’s credit reports, Client’s credit history or other creditor information for the Services to rendered herein; ii) obtain business reporting information over the telephone, fax, and or through the internet from record holders. Kompenso Group expressly acknowledges the sensitivity of any information provided by or on behalf of the Client in connection with Kompenso Group rendering the Services described herein.

Kompenso Group will use its best efforts to ensure that all such Client information will be handled in a responsible and professional manner. The Client shall have the right to revoke or terminate the limited power of attorney provided under this Contract at any time upon written notice to Kompenso Group provided the Client understands that such action will likely impede Kompenso Group from any further performance of its Services to Client undertaken pursuant to this Contract. Otherwise, the limited power of attorney shall terminate upon termination of this Contract.

All questions pertaining to validity, interpretation and administration of this Contract shall be determined in accordance with the laws of Illinois. Client agrees that the Client’s limited power of attorney is valid throughout the United States only for the above-stated purposes. This Contract contains the entire agreement of the parties and there are no other promises or conditions in any other agreement whether oral or written.

This Agreement supersedes any prior written or oral agreements between the parties.

I. Hold Harmless and Indemnity.

The Client agrees to indemnify and hold Kompenso Group, their agents, attorneys, brokers and employees, harmless from all claims, losses, expenses, fees including attorney’s fees, costs, judgments that may be asserted against the Client that result from the acts of omissions.

1 E. Erie Street,Suite 525-2181,Chicago, IL, 800-483-0590

Program Name SMS Terms

Text KEYWORD- ("HIRE" or "GETPAID") to 80123 or OPT-IN using your wireless PHONE NUMBER to receive informational alerts from Kompenso Group. Approx. 1-20 msgs/mo. Message and Data Rates May Apply.

For additional information, text HELP to 80123 or 844-580-0650. You may opt out at anytime by sending STOP to 80123 or 844-580-0650. Contact us at contact/support email address.

SMS & Email Terms and Conditions

You consent to be contacted at the phone number and email address you provided, and contacted via automatic telephone dialing system, pre-recorded message, or text message from or on behalf of Kompenso Group. Consent is not a condition of purchase and you may receive a quote via phone. You may revoke this consent any time and be placed on our do-not-call list. Kompenso Group does not charge you for sending or receiving text messages. Your carrier's message and data rates may apply. By using our forms you agree to our Privacy Policy terms.