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Agreement to Terms

These Terms and Conditions (“Terms”) govern your access to and use of www.bluprintsolutions.com and www.bluprintservices.com (together, the “Site”) and the credit repair and credit services (the “Services”) offered by Bluprint Solutions Inc. (“Bluprint Solutions,” “we,” “us,” or “our”).

By accessing the Site or using the Services, you (“you,” “client,” or “user”) agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Site or Services.

Eligibility

You must be at least 18 years old and a resident of the United States to use the Services. By using the Services, you represent that you meet these requirements and that the information you provide is accurate, current, and complete.

Description of Services

Bluprint Solutions is a credit services organization that assists consumers in reviewing credit reports and, where appropriate, disputing information that is inaccurate, incomplete, outdated, or unverifiable with consumer reporting agencies, creditors, and other furnishers. We may also provide credit education, guidance, credit-building support, funding-readiness services, and related services.

Services are performed on your behalf and with your written authorization. The exact scope of Services, fees, timing, and payment terms will be stated in a separate written service agreement (“Service Agreement”) signed before work begins. If these Website Terms conflict with a signed Service Agreement, the Service Agreement controls as to the purchased Services, except where prohibited by law.

No Guarantee of Results

You understand and agree that:

• We cannot and do not guarantee a particular result, credit-score increase, approval, funding amount, or removal of a specific credit-report item.
• Accurate, current, and verifiable negative information generally cannot lawfully be removed before the applicable reporting period expires.
• Results vary and depend on the contents of your credit file, your actions, and the responses of credit bureaus, creditors, furnishers, and other third parties.
• We do not create a “new” credit identity and will not advise you to make false statements, dispute accurate information, or use an Employer Identification Number or another number in place of your Social Security number.

Statements about potential outcomes are educational estimates, examples, or opinions—not promises or guarantees.

Your Rights Under Federal Law

Bluprint Solutions provides credit-repair services subject to the federal Credit Repair Organizations Act (“CROA”), 15 U.S.C. § 1679 et seq., when applicable. Your rights include:

• You may dispute inaccurate information yourself for free. You are not required to purchase Services to contact consumer reporting agencies or furnishers.
• You may obtain copies of your credit reports. Available reports and any applicable fees are governed by federal law and the consumer reporting agencies.
• You may pursue legal remedies against a credit repair organization that violates applicable law.
• You may cancel your credit-repair contract without penalty or obligation before midnight of the third business day following execution, as described in your written Service Agreement and cancellation notice.
• Advance payment restrictions apply. We do not charge or receive payment for a credit-repair service before that agreed service has been fully performed, as required by applicable law.
• You will receive required written documents. Before covered Services begin, you will receive a written contract and required consumer-rights disclosures and will receive copies of documents you sign.

Your Rights Under Illinois Law

Bluprint Solutions operates from Illinois and provides covered services in accordance with the Illinois Credit Services Organizations Act, 815 ILCS 605, when that law applies. You are entitled to:

• Review a written contract describing the Services, charges, timing, and cancellation rights before Services are provided.
• Cancel as stated in the written contract and statutory cancellation notice, without penalty or obligation during the applicable cancellation period.
• Receive disclosures and protections required by Illinois law.

Any business-specific registration, agent, or surety-bond information required to be disclosed will be included in the applicable written consumer documents.

Client Responsibilities

To allow us to provide the Services, you agree to:

• Provide accurate, complete, and current information and requested identity-verification documents.
• Provide written authorization needed to access credit information and communicate with credit bureaus, creditors, and furnishers.
• Promptly provide correspondence, updated credit reports, and responses received from bureaus, creditors, or furnishers.
• Maintain active credit monitoring when required by your Service Agreement and protect your login credentials.
• Make timely payments in accordance with the Service Agreement.
• Not use the Services for an unlawful purpose or knowingly submit false, misleading, or fraudulent information.

Fees and Payment

Service fees, recurring charges, payment dates, and authorization terms will be disclosed in the applicable Service Agreement and payment authorization. For credit-repair services covered by CROA, we do not charge or receive payment for an agreed service before that service has been fully performed.

Fees are non-refundable after the corresponding service has been completed, except where a refund is required by law or expressly provided by the Service Agreement. You remain responsible for valid amounts owed for completed Services.

Cancellation and Termination

Covered credit-repair contracts may be canceled during the applicable statutory cancellation period without penalty or obligation, as explained in the written Service Agreement and cancellation notice. After that period, either party may terminate the Service Agreement according to its terms.

We may suspend or terminate access to the Site or Services, or decline to provide Services, if you violate these Terms or a Service Agreement, fail to provide required information, provide false information, fail to make valid payments for completed Services, misuse our systems, or engage in unlawful conduct.

Intellectual Property

Site content—including text, graphics, logos, designs, images, videos, templates, documents, software, and other materials—is owned by Bluprint Solutions Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, sell, distribute, modify, publish, or create derivative works from Site content without prior written permission, except for personal use expressly permitted by us or applicable law.

Third-Party Links and Services

The Site or Services may link to or integrate with third-party platforms, payment processors, credit-monitoring providers, consumer reporting agencies, lenders, or other services we do not own or control. We are not responsible for third-party content, availability, security, decisions, policies, or practices. Your use of third-party services is subject to their own agreements and privacy policies.

Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. BLUPRINT SOLUTIONS INC. DISCLAIMS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND OTHER WARRANTIES, WHETHER EXPRESS OR IMPLIED.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT THIRD-PARTY SERVICES WILL REMAIN AVAILABLE, OR THAT A PARTICULAR CREDIT, FUNDING, OR FINANCIAL RESULT WILL BE ACHIEVED. NOTHING IN THIS SECTION LIMITS RIGHTS THAT CANNOT BE WAIVED UNDER CROA OR OTHER APPLICABLE LAW.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, BLUPRINT SOLUTIONS INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS OR REVENUE, ARISING OUT OF OR RELATING TO THE SITE OR SERVICES.

OUR TOTAL AGGREGATE LIABILITY FOR A CLAIM ARISING FROM THESE TERMS OR THE SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID US FOR THE SPECIFIC SERVICES GIVING RISE TO THE CLAIM. THIS LIMITATION DOES NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED BY LAW, INCLUDING NON-WAIVABLE RIGHTS UNDER CROA.

Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless Bluprint Solutions Inc. and its officers, directors, employees, contractors, and agents from claims, liabilities, damages, losses, and reasonable expenses arising from your violation of these Terms, provision of false or misleading information, unlawful conduct, infringement of another party's rights, or misuse of the Site or Services.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law principles. Subject to applicable consumer-protection law, disputes arising from these Terms or the Site will be brought in a state or federal court of competent jurisdiction located in Illinois.

Nothing in these Terms waives a right, remedy, forum, limitation period, or protection that cannot lawfully be waived under CROA or another applicable law. Any dispute-resolution provision in a signed Service Agreement will apply to that agreement only to the extent legally enforceable.

Changes to These Terms

We may revise these Terms from time to time. We will post the revised version and update the “Last Updated” date. Changes apply prospectively after posting unless a different effective date is stated. Material changes to an existing signed Service Agreement will be handled according to that agreement and applicable law.

Severability

If a provision of these Terms is found unlawful, void, or unenforceable, that provision will be enforced to the maximum extent permitted or severed, and the remaining provisions will remain in effect.

Contact Us

Contact Bluprint Solutions Inc. with questions regarding these Terms.