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(For New Clients) Before booking a consultation, we have provided a NECESSARY link for you to sign up for Identity IQ using the $1.00, 7-day trial link. A new window will open up where you will have to complete the necessary steps. Once you complete this task, you will have to close out that window and continue with booking your consultation. Identity IQ is the closest thing to your real-time 3-bureau credit report, and it will not affect your credit in any way!

***NOTICE ABOUT LINKS TO IDENTITY IQ AND OTHER THIRD-PARTY WEBSITES.

Smart Marketing Group offers links to other third-party websites that help the process. The links provided on our website are provided solely for your convenience and may assist you in locating other useful information about your credit transformation. When you click these links, you will leave our website and be redirected to another site in this case Identity IQ.

These sites are not under the control of Smart Marketing Group. We are not an agent for these third parties; we neither endorse nor guarantee their products. We make no representation or warranty regarding their products. We make no representation or warranty regarding the accuracy of the information contained in the linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information.

Also, please be aware that the security and privacy policies on these sites may differ from our policies so please read third-party privacy and security policies closely. By continuing to a third-party site, you agree to be bound by the policies and terms of use for that site. If you do not wish to continue to the third-party site, click close or use the Back button on your web browser to return to the Smart Marketing Group website.

If you have any questions or concerns about the products and services offered on linked third-party websites, please contact the third party directly.

After the sign up with identity IQ, CLIENTS WILL HAVE TO COME BACK TO THE UPLOAD TAB to upload the necessary information to move forward in the Smart Credit Transformation program.

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New Client Agreement

Welcome to the Smart Credit Transformation Program. Congratulations on your new journey to financial freedom, credit is key! This agreement is established between Smart Marketing Group LLC (referred to hereinafter as “Company”) and Client (referred to hereinafter as “Client”). Services Rendered Company agrees to perform credit transformation services (referred to hereinafter as “Services”) agreed upon with Client which may include but are not limited to: • Accessing clients credit report • Contacting the credit bureaus on client’s behalf • Create a personalized plan which will remove negative accounts and history and or add positive data (tradelines) depending upon your credit needs and goals. Payment Client and Company agree that Services described in this contract shall be completed and payable to Company before file is processed. Gold Package Company will prepare and submit clients file to credit bureaus 5 – 10 business days after receiving full payment and all requested documents. Client should expect to receive a letter from Experian and Equifax on the initiation of this dispute within 2 weeks, and in 3-4 weeks, client should receive the dispute results letter. Don’t be alarmed, Transunion does not send letters. The entire process of this credit transformation agreement is approximately 60 – 90 days from the date the credit bureau receives the file depending on their workload. After each dispute, if any negative accounts are still reporting, company will mail out a re-dispute letter within 24 hours to the credit bureau(s). The results for the new dispute are the same process and will take approximately 3-4 weeks for completion. Company will continue this for a total of 3 rounds of disputing. In the event of an account or collection being reinserted onto credit file, do not be alarmed. Company will immediately re-dispute item to have it removed for good. Some creditors pull this trick to ensure they are paid by debt collectors. Company does not provide updates. Client will be contacted once file is complete. Silver Package Company will prepare and submit clients file to credit bureaus 5 – 10 business days after receiving full payment and all requested documents. Client should expect to receive a letter from Experian and Equifax on the initiation of this dispute within 2 weeks, and in 3-4 weeks, client should receive the dispute results letter. Don’t be alarmed, Transunion does not send letters. The entire process of this credit transformation agreement is approximately 150 – 180 days from the date the credit bureau receives the file depending on their workload. After each dispute, if any negative accounts are still reporting, company will mail out a re-dispute letter within 24 hours to the credit bureau(s). The results for the new dispute are the same process and will take approximately 3-4 weeks for completion. Company will continue this for a total of 6 rounds of disputing. In the event of an account or collection being reinserted onto credit file, do not be alarmed. Company will immediately re-dispute item to have it removed for good. Some creditors pull this trick to ensure they are paid by debt collectors. Company does not provide updates. Client will be contacted once file is complete. Required Documents Client to provide Company with all data needed to complete Services, including but not limited to first and last name, home address, telephone number, social security number, utility bill with current address and color copies of license and social security card. All information is required to properly submit your file to the 3 credit bureaus, Transunion, Experian and Equifax. (Accepted forms of bills – Utility, bank statement, paystub, insurance declaration page) Company to provide client with discounted link to sign up for Identity IQ. Delays If client does not provide company with requested documents in a timely manner, this will delay the credit transformation process. Company ask that client does not change Identity IQ or Credit Karma login during this process, our processors need to continually monitor the accounts to check on dispute status and results. If company is unable to access said accounts due to nonpayment or changes in login credentials, this will cause a delay in processing of file. Company will update credit report via Identity IQ using a free 3 bureau report once it’s ready to be updated. We ask that client leaves this to Smart Marketing Group and does not update their file. If client pulls this report prematurely, an additional fee will be charged to client to purchase a new 3 bureau report. It is important that client does not change mailing address or phone number while company is working on file. If client changes mailing address or phone number, client will be responsible for a $150 processing fee as all paperwork will need to be redone. Additional Services The terms and conditions set forth in this document constitute the sole agreement between Smart Marketing Group and the Client regarding Client’s Credit Transformation. Any additional work not specified in this contract must be authorized by both original parties in writing. Any additional Services needed beyond what is specified in estimates submitted to Client will be an additional fee to client. If any new collection accounts are added while company is actively processing clients file, there will be an additional charge of $500.00 to include the new collection in the dispute. Warranties and Liability At the completion of client’s credit transformation, company is not responsible for further advising client on life decisions (new purchases using credit, etc..) or any new derogatory accounts added to credit report. In no event will Company be liable to Client or any third party for any new derogatory marks added on credit after company began work unless paid for by client, any late payments of clients, including any account’s company has removed or gone after, or other incidental, consequential issues, even if Company has been advised of the possibility of such problems. If a minimum of 75% is not removed a pro-rated refund will be issued. Cancellation If Agreement is canceled by company before work is finished due to client not complying, Client forfeits any payments made and may be held liable for breach of contract. Cancellation will take place after 3 failed attempts of requesting client to comply. Litigation Any disputes arising from this contract will be litigated or arbitrated in New Castle County, Delaware. This Agreement shall be governed and construed in accordance with the laws of the State of Delaware. The undersigned hereby agree to the terms, conditions and stipulations of this agreement on behalf of his or her organization. This Agreement constitutes the entire understanding of the parties. Any changes or modifications thereto must be in writing and signed by both parties. Signing the Contract IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date indicated below: