Member Services Agreement
The executive engagement agreement for members of the Platinum Financial Intelligence Center™, operated on the Financial Intelligence OS™ by Platinum Credit Group, LLC.
How Your Engagement Works
The Financial Intelligence Journey™
Every member follows the same five-stage progression. Legal terms below apply to the stages you choose to activate.
- Step 1
Financial Intelligence Review™
Free AI snapshot
- Step 2
Executive Financial Intelligence Audit™
FCI™ recommendation
- Step 3
Mission Strategy™
Executive playbook
- Step 4
Recommended Execution Services™
Restoration, business credit, more
- Step 5
Ongoing Mission Tracking™
Membership cadence
Credit Restoration Services™ is one of several Recommended Execution Services™ — activated only when your Audit indicates it fits your file. You are never required to enroll.
Section 1
Scope of Engagement
What Platinum Credit Group, LLC delivers — and what remains yours to direct.
Platinum Credit Group, LLC ("PCG") operates the Financial Intelligence OS™ — an AI-powered platform that helps members understand, organize, and improve their financial profile. When you activate Credit Restoration Services™ as one of your Recommended Execution Services™, PCG provides professional analysis, written advocacy, and formal Reporting Review Process correspondence to consumer reporting agencies and data furnishers under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.
What PCG does
Analyzes your file, prepares written correspondence, tracks bureau responses, and coordinates your mission cadence.
What PCG does not do
PCG does not delete, alter, or manipulate credit information. Bureaus and furnishers correct their own records under federal law.
Section 2
Fees and Billing
Every fee is charged for work performed — never contingent on outcome, in accordance with CROA § 1679b(b).
Complexity is classified for you
Your case lead determines complexity at intake based on the documentation and procedural steps required. You will see the classification and fee for each item on your Mission Dashboard™ before any work is dispatched, and you may cancel any pending request at no charge.
PCG does not charge per-deletion fees, success fees, or any fee contingent on a specific result, in accordance with CROA § 1679b(b).
Section 3
Executive Intelligence Delivery Process™
A two-stage release protects both your engagement and PCG's professional work product.
Stage 1
Strategy Session & Executive Summary
Your assigned advisor walks you through the major findings, score-impact summary, and recommended mission path during a live session. A watermarked (Draft — Confidential) copy of the written Audit is made available in your Mission Dashboard™ for review.
Stage 2
Clean Written Mission Plan
The non-watermarked written Audit — containing furnisher-specific remedies, account-level Reporting Review Process language, and the full Phase 1–5 roadmap — is released once you (a) accept the engagement terms in your Mission Dashboard™, or (b) enroll in a recommended Platinum execution service. The Audit fee covers the diagnostic, session, and watermarked report; the clean mission plan is the IP-protected deliverable referenced in Section 6.
You may decline to accept the engagement and walk away with the watermarked summary and the insights shared in your session — that is your right under CROA. The Audit fee remains earned because the analysis was performed.
Section 4
Your Federal Rights & Notice of Cancellation
Required disclosures under the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq.
Your Federal Rights
You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus. You have the right to obtain a free copy of your credit report once every twelve months from each nationwide bureau at annualcreditreport.com. You have the right to sue a credit repair organization that violates CROA.
Notice of Cancellation
You may cancel this contract, without penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed the contract.
To cancel, mail or deliver a signed, dated copy of a cancellation notice, or any other written notice, to: Platinum Credit Group, Compliance Dept., 463 Main St Ste 1R #2012, Little Falls, NJ 07424, or email admin@platinumcreditgroup.com before midnight of the third business day following enrollment.
Sections 5 – 7
Deliverables, No-Guarantees, and Intellectual Property
Expand each section to review the complete terms. All statutory language is preserved verbatim.