Member Services Agreement

1. Scope of Engagement

Platinum Credit Group ("PCG") operates the Financial Intelligence OS™ — an AI-powered platform that helps members understand, organize, and improve their financial profile. When you enroll in Credit Restoration 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. PCG does not delete, alter, or manipulate credit information. The bureaus and furnishers correct their own records when an item cannot be verified within the statutory window.

2. Fees and Billing

All fees are charged for work performed, never contingent on outcome.

• Platinum Intelligence™ Membership (DIY $79, Signature $199, Bankruptcy Intelligence™ Recovery $299, Business Credit™ Buildout $499) — billed in advance for the upcoming Mission Dashboard™ service period. Cancel anytime; no charge for the next period.
• Platinum Financial Intelligence Audit™ — offered as Standard Financial Intelligence Audit™ ($379 one-time) or Comprehensive Financial Intelligence Audit™ ($750 one-time). Platinum Intelligence™ evaluates your profile using its proprietary Financial Complexity Index™ (FCI™) and recommends the tier that fits your file — the client does not pick complexity. The Audit fee is billed only after the written audit and mission strategy are delivered to your Mission Dashboard™. Current tier pricing is maintained by PCG and displayed in your Mission Dashboard™ at the moment you approve the FCI™ recommendation.
• Standard Reporting Review ($75 / item) — billed when a Reporting Review Process letter is drafted and dispatched on your behalf. A Standard Review applies to a single tradeline or item disputed with a single credit bureau using a routine FCRA § 1681i letter. Typical examples: a late-payment notation, an unverifiable address, a duplicate account, an outdated collection, or a soft inquiry — items that can be resolved through a one-bureau, one-letter exchange without supporting evidence beyond your written statement.
• Complex Reporting Review ($125 / item) — billed when a multi-bureau or furnisher-level challenge package is dispatched. A Complex Review applies when an item requires (a) coordinated reviews to two or more bureaus, (b) a direct FCRA § 1681s-2(b) challenge to the original data furnisher, (c) supporting documentation such as identity-theft affidavits, bankruptcy schedules, debt-validation demands under FDCPA § 1692g, method-of-verification requests, or escalation to the CFPB or state attorney general, or (d) reinvestigation of items previously returned as "verified." Typical examples: mixed-file or identity-theft tradelines, post-bankruptcy reporting errors, re-aged debts, repossessions, charge-offs with balance discrepancies, and student-loan or medical-collection items requiring furnisher engagement.

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).

3. What You Receive

• Written tri-bureau Financial Intelligence Review™ (PDF) delivered to your Mission Dashboard™.
• Copies of every Reporting Review Process letter sent on your behalf.
• Tracked correspondence and bureau responses logged in your case file.
• A written mission cadence appropriate to your tier (monthly, bi-weekly, or weekly).

4. 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.

5. Notice of Cancellation

6. No Guarantees

PCG makes no representation that any specific tradeline will be corrected or removed. Mission progress depends on the underlying accuracy of the reported data and the responses of bureaus and furnishers under federal law.

7. Intellectual Property & License

All written deliverables prepared by PCG — including the Platinum Financial Intelligence Audit™, the tri-bureau Financial Intelligence Review™, the furnisher analysis, the Phase 1–5 mission and recovery roadmap, Reporting Review Process templates, scoring memos, and any strategy artifacts delivered through the Mission Dashboard™ (collectively, the "PCG Work Product") — are the exclusive intellectual property of Platinum Credit Group LLC.

On full payment of the applicable fee, PCG grants you a limited, non-exclusive, non-transferable, revocable license to use the PCG Work Product solely for your own personal credit, business credit, and funding planning. You may not (a) redistribute, resell, sublicense, or publish the PCG Work Product; (b) provide it to any competing credit-restoration, funding, or advisory provider for the purpose of replicating PCG's methodology; or (c) use it to train any machine-learning model. PCG retains all rights, title, and interest not expressly granted in this license.

8. Summary-First Delivery

For the Platinum Financial Intelligence Audit™, deliverables are released in two stages to protect both you 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 7.

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.