NEW HOPE CREDIT SERVICES TERMS AND CONDITIONS OF SERVICE

The client(s) engages the services of New Hope Credit Services, under the below mentioned terms and conditions:
1) Client(s) Commitments & Terms: All clients/customers/former and past clients, agree to forward all correspondence from the credit bureaus to New Hope Credit Services including, but not limited to, letters and credit reports.

New Hope Credit Services cannot perform the service provided without obtaining copies of the credit reports and all correspondence from the credit bureaus. Clients agree to provide all relevant and requested documents in a timely manner to the New Hope Credit Services office providing services.  We ask all documentation to be provided as soon as reasonably possible.

Clients agree to inform New Hope Credit Services of any change of address in a timely manner.  New Hope Credit Services will be limited in providing our services without obtaining new bills/statements with the newly reflected address.

Clients understand that New Hope Credit Services has no ability to dictate the decisions clients make regarding financial decisions that may impact their credit report, credit score, and/or other financial responsibility(s).  Clients cannot and will not hold New Hope Credit Services accountable or liable for any actions , and/or consequences regarding their past, present, and/or future decisions that may impact their credit report, credit score, financial situation, and/or standing(s) with any financial, or otherwise, institution and/or company. 

Clients agree to pay New Hope Credit Services for the services rendered.  Lack of payment will suspend all work on their account. New Hope Credit Services will work with any customer’s seeking to resolve billing or service issues so long as that customer contacts our office as soon as reasonably possible regarding their billing or accounting issue(s).

The success of this service will be dependent on the completion of the above mentioned client(s) commitments.  Clients understand that failure to compete all of these activities will void the service guarantee, refund, and warranty.

2) Disclaimer:  
There are several limits to the work of New Hope Credit Services which the client(s) should be aware. Because each case can vary, New Hope Credit Services cannot guarantee any specific or individual results on a client’s case.  Because each case is different, there is no precise timeframe that can be reasonably disclosed.  Credit Bureau reports as well as other relevant documentation provided to us becomes property of New Hope Credit Services.  A client agree to waive all rights to obtain copies of the correspondence sent to the credit bureaus from New Hope Credit Services.

 3) Payment Structure: 
Clients agree to pay New Hope Credit Services for work as it is completed as per Client Credit Improvement Agreement. Payment is due after any work on a client’s account. If the bank returns the payment dishonored, the client agrees to pay a $30.00 dishonored payment fee. Continued work on this account will be closed if client’s payments are not received according to Client Credit Improvement Agreement.

 4) Derogatory Information Reporting: The client(s) would like New Hope Credit Services to dispute all information found on the clients credit report that could indicate misleading information except for the information disclosed to New Hope Credit Services separately. New Hope Credit Services will consider any information that is not disclosed to be inaccurate, unverifiable, or obsolete.


5) Our Right to Suspend or Terminate Services: We can, without notice, suspend or terminate any Service at any time for any reason. For example, we can suspend or terminate any Service for the following: (a) late payment; (b) denied payment transaction;(harassing/threatening/abusing/offending our employees or agents; (d) providing false or inaccurate information; (e) interfering with our operations; (f) using/suspicion of using Services in any manner restricted by or inconsistent with the Agreement and Policies; (g) breaching, failing to follow, or abusing the Agreement or Policies; (h) providing false, inaccurate, dated, or unverifiable identification or credit information or becoming insolvent or bankrupt.

 7) Arbitration & Mediation: In the event a dispute shall arise between the parties to this contract, agreement, and/or services, it is hereby agreed that the dispute shall be resolved by arbitration in accordance with the applicable United States Arbitration and Mediation Rules of Arbitration. The arbitrator's decision shall be final and legally binding and judgment may be entered thereon. Each party shall be responsible for its share of the arbitration fees in accordance with the applicable Rules of Arbitration.  In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award.

(a) "Disputes" are any claims or controversies against each other related in any way to or arising out of in any way our Services or the Agreement, including, but not limited to, billing services and practices, policies, contract practices (including enforceability), service claims, privacy, or advertising, even if it arises after Services have terminated. Disputes include claims that client bring against our employees, agents, affiliates, or other representatives or that we bring against client. It also includes but is not limited to claims related in any way to or arising out of in any way any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory.

 (b) If either of us wants to initiate a claim to arbitrate a Dispute, we each agree to send written notice to the other providing a description of the dispute, a description of previous efforts to resolve the dispute, all relevant documents and supporting information, and the proposed resolution. Notice to you will be sent as described in the "Providing Notice to Each Other Under The Agreement" section and notice to us will be sent to:  New Hope Credit Services Inc. We each agree to make attempts to resolve the dispute prior to filing a claim for arbitration. If we cannot resolve the dispute within forty-five (45) days of receipt of the notice to arbitrate, then we each may submit the dispute to formal arbitration.

 (c) Unless we each agree otherwise, the Arbitration will be conducted by a single, neutral arbitrator and will take place in the county of the last billing address of the Service.

(d) The arbitration will be governed and conducted by (a) a neutral third party arbitrator selected by each of us and based upon rules mutually agreed to by each of us or (b) the American Arbitration Association. The American Arbitration Association rules, including rules about the selection of an arbitrator, filing, administration, discovery, and arbitrator fees, will be conducted under American Arbitration Association’s Comprehensive Arbitration Rules & Procedures. The American Arbitration Association rules are available at 335 Madison Avenue, Floor 10, New York, NY 10017-4605. To the extent that this "Dispute Resolution" section conflicts with JAMS's minimum standards for procedural fairness, the JAMS's rules or minimum standards for arbitration procedures in that regard will apply. However, nothing in this paragraph will require or allow us or you to arbitrate on a class-wide or consolidated basis.

(e) WE EACH AGREE THAT WE WILL ONLY PURSUE ARBITRATION ON AN INDIVIDUAL BASIS AND WILL NOT PURSUE ARBITRATION ON A CLASS-WIDE OR CONSOLIDATED BASIS. We each agree that any arbitration will be solely between you and New Hope Credit Services (not brought on behalf of or together with another individual's claim). If for any reason any court or arbitrator holds that this restriction is unconscionable or unenforceable, then our agreement to arbitrate doesn't apply and the dispute must be brought in court.

(f) We each are responsible for our respective costs relating to counsel, experts, and witnesses, as well as any other costs relating to arbitration. However, we will pay for the arbitration administrative or filing fees, including the arbitrator fees. Otherwise the American Arbitration Association Comprehensive Arbitration Rules & Procedures and the American Arbitration Association Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses, Minimum Standards of Procedural Fairness regarding costs and payment apply.

Exceptions To Our Agreement To Arbitrate Disputes: Either of us may bring qualifying claims in small claims court. In addition, this arbitration provision does not prevent you from bringing your dispute to the attention of any federal, state, or local government agency that can, if the law allows, seek relief against us on your behalf.
 
No Class Actions: TO THE EXTENT ALLOWED BY LAW, WE EACH WAIVE ANY RIGHT TO PURSUE DISPUTES ON A CLASS WIDE BASIS; THAT IS, TO EITHER JOIN A CLAIM WITH THE CLAIM OF ANY OTHER PERSON OR ENTITY OR ASSERT A CLAIM IN A REPRESENTATIVE CAPACITY ON BEHALF OF ANYONE ELSE IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING.

No Trial By Jury: TO THE EXTENT ALLOWED BY LAW, WE EACH WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING.

Indemnification: You agree to indemnify, defend, and hold New Hope Credit Services and our subsidiaries, affiliates, parent companies harmless from any claims arising out of or relating to your actions, including, but not limited to, your use of the Service and any information you submit, post, transmit, or make available; failure to safeguard your information, or other account information; or violating this Agreement or any policy referenced in this Agreement, any applicable law or regulation, or the rights of any third party.