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UCES Protection Plan Agreement
Customer | Terms and Conditions

The UCES Protection Plan includes:

Budgeting

Credit Restoration

Credit Builder

Credit Attorney

Credit Monitoring

Debt Payoff

Financial Lockbox

Identity Monitoring

Net Worth Calculator

Rocket Lawyer (begins on month four)

Savings Goals

Will & Trust Document Preparation

YFL Family Mint

Life Insurance (qualified Agents only)*

More detailed information about each of these products can be found at www.ucesprotectionplan.com. Some of the products in the UCES Protection Plan will require activation. To activate a service will not require any additional payment. Your account will remain active as long as you are enrolled and are current on your monthly payments.

UCES cannot guarantee specific results with respect to your use of any particular financial product as the results obtained are dependent on a variety of factors, some of which are outside the control of UCES.

You understand and authorize United Credit Education Services, Inc. (UCES) to charge you the following monthly fees:
UWE: $80.00
UCES: $9.00

Payments will be automatically debited from the payment method provided (credit or debit card only). An email reminder will be sent each month prior to your billing due date. Failure to make your payment on the established due date will result in suspension/cancellation of all activated financial products.

You may cancel this contract within three (3) business days after enrollment and receive a full refund. After three (3) business days, you may be eligible to receive a refund on the current month's payment. No refunds will be issued on past billing cycles, or similar products previously purchased.

UCES is an authorized marketing agent for Rocket Lawyer, Credit Attorney, Smart Credit, Identity Theft Monitoring, and Life Insurance (qualified Agents only). All third party financial services and products are provided by their respective principle or UCES.

All consumer contracts provided by a third party shall for all purposes hereunder be deemed made between the customer and such third party provider. The ultimate responsibility for the performance of all third party services belongs to their respective providers, not UCES.

The formation, construction, interpretation, and enforceability of this Agreement between you and UCES as stated here or in any incorporated documents will be governed by and interpreted in all respects under the laws of the State of Michigan without regard to conflict of law provisions.

All disputes and claims relating to UCES, its services, the rights and obligations of an Independent Agent and UCES, or any other claims or causes of action relating to the performance of either an Independent Agent or UCES under the Agreement or the UCES Policies and Procedures shall be settled totally and finally by arbitration as described in the Policies and Procedures in Farmington Hills, Michigan, or such other location as UCES prescribes, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association. Additionally, you agree not to initiate or participate in any class action proceeding against UCES, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent UCES from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its interest prior to, during or following the filing of any arbitration or other proceeding or pending the rendition of a decision or award in connection with any arbitration or other proceeding.

If any provision of the Agreement is held to be invalid or unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable, and the balance of the Agreement will remain in full force and effect. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. The provisions of this Agreement, including all documents incorporated herein by reference, embody the whole agreement between you and UCES concerning the subject matter of your relationship with UCES, and supersedes any prior agreements, understandings and obligations.

Because federal, state, and local laws, as well as the business environment, periodically change, UCES reserves the right to amend this Agreement and the prices in its UCES Product Price List in its sole and absolute discretion. Notification of amendments shall appear in official UCES materials, including but not limited to, posting on the UCES website, e-mail distribution, publication in the UCES newsletter, products inserts, or any other commercially reasonable method.

 

MYCARE PLAN

MyCare Plan will provide to you the following: Last Will, Living Trust, Financial Power of Attorney, and Health Care Power of Attorney. Once you have been enrolled, you will be responsible to answer a series of questions that will be used to create your MyCare Plan documents. There is no time limit when completing the MyCare Plan section documents; however, the will and trust and powers of attorney cannot be produced without all of the necessary information.

UCES' document preparation service includes a review of your answers for completeness, spelling and grammar, as well as internal consistency of names, addresses and the like. At no time do we review your answers for legal sufficiency, draw legal conclusions, provide legal advice, or apply the law to the facts of your particular situation. Our document preparation service is not a substitute for the advice of an attorney. By using our document preparation service, no attorney-client relationship will be created with UCES or any affiliate.

The information and material provided on our Web site is solely for informational purposes and is educational in nature. The law is different from jurisdiction to jurisdiction, and is also subject to interpretation by different courts. Therefore, if you need legal advice for your specific case, or if your specific case is too complex to be addressed by our services, you should consult a licensed attorney in your area.

*To participate in the term life insurance program provided by Symetra Insurance Company, you must be an active 1099 participating representative of United Wealth Education.

 
UCES CREDIT RESTORATION
Terms and Conditions of Enrollment
  1. United Credit Education Services ("UCES") provides financial education services and products. UCES IS EXEMPT UNDER THE CREDIT REPAIR ORGANIZATION ACT (15 U.S.C. §§1679, et seq.) AS A §501(c)(3) CHARITABLE NONPROFIT ORGANIZATION AND IS NOT A CREDIT REPAIR ORGANIZATION. ALL SERVICES AND PRODUCTS PURCHASED BY A CONSUMER ARE PERFORMED BY EMPLOYEES OF UCES.
    UCES promotes the financial wellbeing of individuals through each persons' faith in himself or herself to overcome financial adversity, to believe in the empowerment of the individual through faith, and to have the belief that things can and will get better.
  2. You agree to promptly provide UCES with copies of any and all correspondence received from the credit reporting agencies and creditors supplying information to those agencies, which relates to inaccurate credit report entries that are subject to challenge and verification pursuant to this Agreement within fourteen (14) days of receipt thereof. You understand that credit reporting agencies have no obligation to remove accurate, verifiable information unless it is listed beyond that period of time in which it is lawful to report it. You understand UCES cannot guarantee specific results due to the fact that all results obtained are dependent on a variety of factors, some of which are outside the control of UCES, including your ability to repay creditors, the cooperation of your creditors, and the credit reporting agencies' ability to verify information provided to them by you.
  3. By activating your account, you authorize UCES to obtain your credit reports for the purpose of preparing credit analyzer reports. If you choose to dispute items on your credit report, the credit reporting agencies have no obligation to remove accurate, verifiable information unless it is listed beyond that period of time in which it is lawful to report it. UCES cannot guarantee specific results due to the fact that all results obtained are dependent on a variety of factors, some of which are outside the control of UCES, including your ability to repay creditors, the cooperation of your creditors, and the credit reporting agencies' ability to verify information provided to them.
  4. To cancel this enrollment, please call the UCES Customer Support Department at 248-848-9065, 9am to 5:30pm, ET within 3 days of enrollment.
  5. A $10 fee may be applied to replacement copies of dispute letters.
  6. If a dispute arises out of this contract, and if it cannot be settled by the parties, the parties agree first to try to settle the dispute by mediation administered by any mutually agreed upon mediator pursuant to the Commercial Mediation Procedures of the American Arbitration Association ("AAA"). If they do not resolve the dispute within 60 days, then, upon notice by either party to the other, all disputes, claims, questions or differences shall be finally settled by binding unappeasable arbitration administered by any mutually agreed upon arbitrator (or if none can be agreed upon, then by the AAA) pursuant to the Commercial Arbitration Rules of the AAA. In any such proceeding, which must take place in Oakland County, the State of Michigan, each party shall bear their own attorney fees and costs, however, the fees and costs of any neutral mediator or neutral arbitrator shall be paid by UCES. Additionally, you agree not to initiate or participate in any class action proceeding against UCES, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding.
  7. For LA Residents ONLY: DISCLOSURE STATEMENT: Pursuant to section 3573.6 of the Credit Repair Services Organization Act (Act), a buyer entitled to damages from a credit repair organization has the right to proceed against the surety bond obtained by the credit repair services organization under section 3573.4 of the Act. This Disclosure Statement must be provided to the buyer of credit repair services before execution of any contract or agreement or payment of any money or other valuable consideration. Buyer acknowledges receipt of this Disclosure Statement before execution of any contract or agreement or the payment of any money or other valuable other consideration.