Terms of Service

Please read these Terms of Service carefully before using the 1720 Financial Services Corporation website, client portal, or credit repair services. These Terms constitute a legally binding agreement between you and 1720 Financial Services Corporation. By accessing our website, submitting an inquiry, enrolling in our services, or using our client portal, you agree to be bound by these Terms. If you do not agree, do not use our website or services.

1. About 1720 Financial Services Corporation

1720 Financial Services Corporation is a credit repair organization operating in accordance with the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq., and all applicable California state laws governing credit services organizations. Our mission is to empower clients to take control of their financial lives by identifying and disputing inaccurate, unverifiable, and incomplete information on their credit reports. We are not a debt settlement company, debt consolidation company, or credit counseling organization. We do not negotiate debt on your behalf unless expressly stated in a separate written agreement.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of the United States
• Have a valid Social Security number
• Provide accurate, complete, and truthful information in connection with your enrollment and program participation
• Not be prohibited by any court order, settlement, or applicable law from participating in credit repair services

3. Services Offered

1720 Financial Services Corporation offers three service tiers, each of which includes a Credit Report Analysis and Audit and bureau dispute correspondence. The specific features of each plan are described in your service agreement and the program materials provided at enrollment. All plans operate on a 30-day cycle. Our team pulls your credit reports on your behalf through Credit Hero every 30 days and prepares dispute correspondence for submission to the applicable credit bureaus.

Available plans:

• BASECAMP — $49.99 per month with a $39.00 setup and audit fee. Disputes filed with one bureau per cycle on a rotating basis across all three bureaus.
• ASCENT — $99.99 per month with a $79.00 setup and audit fee. Full three-bureau dispute coverage each cycle with a dedicated case manager.
• SUMMIT — $179.99 per month with a $99.00 setup and audit fee. Premium tier with priority processing, a Mortgage Readiness Assessment at graduation, and direct case manager access.

4. Important Disclosures Required by the Credit Repair Organizations Act

Neither 1720 Financial Services Corporation nor any credit repair organization has the legal 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 cancel your contract with 1720 Financial Services Corporation for any reason within 3 business days from the date you signed it, without any penalty or obligation.

1720 Financial Services Corporation may not charge or receive payment for services until those services have been fully performed.

5. No Guarantees

No credit repair organization can lawfully guarantee specific results, including a specific number of points added to your credit score, the removal of specific items, or a specific timeline for improvement. Results vary by client and are dependent on numerous factors outside our control, including the cooperation of creditors, the verification practices of credit bureaus, the nature of the disputed items, and your compliance with program requirements.

1720 Financial Services Corporation stands behind its services through its one-year money-back guarantee as described in your service agreement. This guarantee applies when all program requirements have been met. The guarantee does not constitute a promise of specific credit score outcomes.

6. Client Responsibilities

Your active participation and compliance are essential to the success of your program. You agree to:

• Provide accurate, complete, and truthful information at enrollment and throughout your program
• Submit all required enrollment documents through your secure client portal before services begin
• Authorize 1720 Financial to pull your Credit Hero report on your behalf every 30 days
• Forward all correspondence received from credit bureaus and creditors to your case manager through your client portal within five days of receipt
• Continue paying all current accounts on time throughout the program
• Not apply for any new credit without first consulting your case manager
• Not contact the credit bureaus directly regarding disputed items without your case manager's guidance
• Not pay old collection accounts without first consulting your case manager, as doing so may restart the statute of limitations
• Notify your case manager immediately if your contact information, billing information, or financial situation changes
• Maintain your authorized payment method and notify us at least 15 days before any change to your billing account

Failure to comply with these responsibilities may affect the results of your program and may disqualify you from the one-year money-back guarantee.

7. Fees, Billing, and Payment

All fees are disclosed in your service agreement. Your setup and audit fee is collected at enrollment. Monthly service fees begin after the completion of your first month of services and continue on a recurring basis until your contract is cancelled or expires.

• All payments are processed securely through our authorized payment gateway connected to your Authorize.net account
• No credit card numbers, expiration dates, or CVV codes are collected or stored on paper or in unencrypted form by 1720 Financial
• If a payment is returned for insufficient funds or any other reason, a $30.00 dishonored payment fee applies
• You must notify us at least 15 days before closing or changing your authorized payment account
• Interruption of payment will result in suspension or termination of services
• Setup and audit fees and all accrued charges, except the final month's payment, are non-refundable

8. Cancellation and Right of Rescission

3-Day Right of Cancellation

You have the right to cancel this agreement without penalty or obligation within 3 business days from the date you signed your service agreement. To exercise this right, deliver a signed and dated written cancellation notice to:

If you cancel within 3 business days, any payment made will be returned within 10 days of our receipt of your cancellation notice.

Cancellation After the 3-Day Period

Either party may cancel this agreement at any time after the 3-day rescission period without additional penalty. To cancel, provide written notice to your case manager or email [email protected]. Cancellation takes effect upon receipt of your written notice. Setup and audit fees are non-refundable after the 3-day rescission period. Monthly fees paid for services already rendered are non-refundable. If cancellation occurs mid-cycle, no refund is issued for the current month's service fee.

9. One-Year Money-Back Guarantee

If you have been enrolled in our program for one full year, have maintained compliance with all program requirements, and 1720 Financial has not been able to remove any derogatory items from your credit file during that period, we will refund your monthly service fees. To be eligible for this guarantee:

• You must have been continuously enrolled for a minimum of 12 months
• You must have authorized Credit Hero report pulls every 30 days throughout the program
• You must have submitted all bureau correspondence within 5 days of receipt throughout the program
• You must not have applied for new credit without case manager approval during the program
• You must not have contacted credit bureaus directly regarding disputed items without authorization

This guarantee applies to monthly service fees only. Setup and audit fees are excluded. Results obtained by 1720 Financial on your behalf are dependent on numerous factors outside our control. This guarantee does not promise or imply any specific credit score improvement.

10. Intellectual Property

All content on our website and client portal, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of 1720 Financial Services Corporation or its content suppliers and is protected by applicable United States and international copyright, trademark, and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website or portal without the prior written consent of 1720 Financial Services Corporation. The 1720 Financial name, logo, BASECAMP, ASCENT, and SUMMIT plan names, and all related marks are proprietary trademarks of 1720 Financial Services Corporation.

11. Limitation of Liability

To the fullest extent permitted by applicable law, 1720 Financial Services Corporation, its officers, directors, employees, agents, and contractors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services, including but not limited to:

• Any action taken by credit bureaus or creditors in response to our dispute submissions
• Failure of a credit bureau to remove any disputed item
• Any credit score changes, positive or negative, occurring during the program
• Actions taken by creditors or collection agencies against you
• Any delay in processing disputes due to bureau response times or other factors outside our control

Our total liability to you for any claims arising out of or related to our services shall not exceed the total monthly service fees you have paid to us in the six months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless 1720 Financial Services Corporation and its officers, directors, employees, agents, contractors, and representatives from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorney fees) arising from or related to your violation of these Terms, your provision of false or misleading information, your failure to comply with program requirements, or your violation of any third-party rights.

13. Dispute Resolution and Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, your service agreement, or our services shall be resolved through binding arbitration in Orange County, California, administered in accordance with the rules of the American Arbitration Association (AAA). The arbitration shall be conducted by a single arbitrator, and the arbitrator's decision shall be final and binding. Either party may seek emergency equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.

Class Action Waiver: You agree that any arbitration or proceeding shall be limited to the dispute between 1720 Financial and you individually. You waive any right to participate in a class action lawsuit or class-wide arbitration against 1720 Financial.

14. Prevailing Party Attorney Fees

In any arbitration or legal proceeding arising out of or related to these Terms or your service agreement, the prevailing party shall be entitled to recover reasonable attorney fees and costs from the non-prevailing party.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in Orange County, California, and you irrevocably consent to the personal jurisdiction of those courts.

16. Website Use and Acceptable Use Policy

By using our website and client portal, you agree not to:

• Use our website or portal for any unlawful purpose or in violation of any applicable regulations
• Upload or transmit any harmful, fraudulent, or misleading content or documents
• Attempt to gain unauthorized access to any portion of our website, portal, or systems
• Interfere with or disrupt the operation of our website, portal, or related servers
• Use automated tools, bots, or scraping software to access or collect data from our website
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

17. Referral Partner Disclosures

If you were referred to 1720 Financial Services Corporation by a loan officer, mortgage broker, real estate professional, or other referral partner, please be aware that:

• Your referral partner may receive periodic updates on your program progress as part of our referral program
• These updates are limited to program cycle summaries, items addressed, and your mortgage readiness status
• No detailed financial or credit data is shared beyond what is necessary for the referral partner to understand your readiness to return to the mortgage process
• You may revoke consent for referral partner updates at any time by notifying your case manager in writing

18. Modifications to Terms

1720 Financial Services Corporation reserves the right to modify these Terms of Service at any time. When we make material changes, we will update the Effective Date and notify active clients by email or through a notice on our website or portal. Your continued use of our services after any modification constitutes your acceptance of the updated Terms. If you do not agree to any modification, you may cancel your services as provided in Section 8.

19. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be modified, it shall be severed from these Terms. The remaining provisions of these Terms shall continue in full force and effect.

20. Entire Agreement

These Terms of Service, together with your Credit Repair Service Agreement, the Privacy Policy, and any other agreements or disclosures incorporated by reference, constitute the entire agreement between you and 1720 Financial Services Corporation with respect to your use of our services and supersede all prior and contemporaneous agreements, representations, and understandings.

21. Contact Us

If you have questions about these Terms of Service, please contact us: