Limitless Culture, LLC
952 Golf House Rd. W., Ste I-616
Whitsett, NC 27377
21/10/2025
Do-It-Yourself (DIY) Credit Repair Agreement
This is a Do-It-Yourself (DIY) Credit Repair Agreement (“Agreement”) between Limitless Culture, LLC (“Company”) and (“Client”) allowing the client to repair their credit as needed executed on the above date.
Company’s Services:
a. Company will provide Client with an online portal wherein the Client will be provided with a comprehensive copy of the Client’s credit report(s) given they enroll with Smart Credit™ monitoring company. Credit Monitoring account is paid for by Client at a cost of $24.99 monthly. CSO may realize an affiliate commission from Smart Credit™.
b. The Company will provide a platform to provide Client with access to education tools including, but not limited to; how-to videos and letter templates.
c. The Company will not make contact with the Client’s creditors, nor will the Company make contact with any credit reporting agencies who may possess or maintain a credit file on the Client.
d. COMPANY RESERVES THE RIGHT TO TERMINATE THIS AGREEMENT FOR ANY REASON WITHOUT PENALTY OR OBLIGATION.
e. This Do-it-Yourself (DIY) mechanism for the Client is provided without advice whatsoever to the Client regarding the sending of these letters. The decision to send a letter is solely up to the Client and the Client will be the sole recipient of any responsive correspondence from any letters he or she may choose to send.
Client’s Responsibilities and Obligations:
a. Client certifies that he or she is eighteen (18) years or older and that all the information provided incident to Client’s enrollment for Company’s DIY Program is true, accurate, complete and up to date.
b. Client understands and agrees that the sale of the Company’s DIY Program has not taken place over the telephone and such sale has not required the use of a telephone at all. Rather the sale of the Company’s DIY Program to the Client occurred online via electronic means.
c. As needed for the Company to provide its DIY Program to the Client, the Client is required to:
i. Sign-up for credit monitoring per section 1a of this Agreement.
ii. Join Company’s private DIY platform called www.mikethecreditguy.com in order to access education tools.
d. Client can cancel this Agreement at any time without any penalty or further obligation from the Client upon his or her cancellation date.
e. Consent. Client’s consent may be withdrawn at any time upon Company’s receipt of such withdrawal.
f. To inform Company that Client either withdraws Client’s consent to receive future notices and disclosures in electronic format, would like to receive paper copies, or to update your information Client may send to: Ceomike@limitlessculturegroup.com
Fees. Client agrees to pay the following fees:
$55.99 (fifty-five and ninety-nine US dollars) monthly for access to
Agreement Term.
This agreement will be in full effect until terminated by either Party.
Disclosures which apply to all Services rendered by Company.
a. Client acknowledges that Company does not guarantee Client will receive any type of financing or additional benefits as a result of Company’s Services.
b. Client acknowledges that Company retains the option of utilizing third party entities to provide DIY Program to the Client.
c. Company makes no guarantee of results.
Warranties
THERE ARE NO OTHER WARRANTIES EXPRESS OR IMPLIED.
a. No other promise has been made to the client, and the client specifically agrees that no additional promises, representations, or express and/or implied warranties other than those terms spelled out in this Agreement were made with respect to the services to be rendered or outcome to be achieved.
Release of Claims.
a. Client understands Company is not responsible for legal actions taken by creditors against Client prior, during or after Client disputes are executed.
b. Client understands DIY Program are solely for disputing any information indicated above and not for any other use.
COMPANY IS NOT PROVIDING CREDIT REPAIR SERVICE. Company is not acting as a credit repair organization, or similarly regulated organization under other applicable law and is not providing any form of credit repair advice or counseling. Rather the Company provides the Client with access to their consumer credit report(s) and other credit-related DIY Platform. Company does not offer, provide, or give advice to the Client for the purpose of improving the Client’s credit record, credit history, or credit rating or for the purpose of removing or correcting any derogatory items that may be appearing on the Client’s credit report(s).
Electronic Communication. Client agrees, unless specifically requested otherwise, that by entering into transactions with Company, Client affirms consent to receive, in an electronic format, all information, copies of agreements and correspondence from Company and to also send information in an electronic format unless previously agreed upon in writing with Company.
Internet. Client acknowledges and agrees that the internet is considered inherently insecure. Therefore, Client agrees that Company has no liability to Client whatsoever for any loss, claim, or damages arising or in any way related to Company’s responses to any electronic communication, upon which Company has in good faith relied.
Binding Arbitration.
a. By signing this Agreement, in the event of a dispute, both Client and Company waive their rights to a civil trial and agree to binding arbitration. Both parties acknowledge that they are waiving valuable legal rights including but not limited to the right to a civil action in state or federal court. Both parties agree that any dispute will be adjudicated by American Arbitration Association (AAA). Each party shall pay its own proportionate share of arbitrator/arbitration fees and expenses.
i. Any dispute, claim, or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this Agreement to arbitrate, shall be determined by arbitration at AAA in the State of North Carolina before one arbitrator. The arbitration shall be administered in accordance with AAA Consumer Arbitration rules as it exists on the effective date of this Agreement. Judgment on the award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.
ii. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims and may not otherwise preside over any form of representative or class proceeding.
iii. The arbitrator must be a former Judge with at least 5 years’ experience in presiding over North Carolina District Court Civil Cases. This requirement may be revised by unanimous written consent of the opposing parties to any dispute involving this Agreement.
iv. The parties shall maintain the confidential nature of the arbitration proceeding and the award, including the hearing, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its enforcement, or unless otherwise required by law or judicial decision.
v. In any arbitration arising out of or related to this Agreement, the arbitrator(s) are not empowered to award punitive or exemplary damages, except where permitted by statute, and the parties waive any right to recover any such damages.
vi. Notwithstanding any language to the contrary in the contract documents, the parties hereby agree: that the Underlying Award may be appealed pursuant to the AAA’s Optional Appellate Arbitration Rules (“Appellate Rules”); that the Underlying Award rendered by the arbitrator(s) shall, at a minimum, be a reasoned award; and that the Underlying Award shall not be considered final until after the time for filing the notice of appeal pursuant to the Appellate Rules has expired. Appeals must be initiated within thirty (30) days of receipt of an Underlying Award, as defined by Rule A-3 of the Appellate Rules, by filing a Notice of Appeal with any AAA office. Following the appeal process the decision rendered by the appeal tribunal may be entered in any court having jurisdiction thereof.
Miscellaneous Provisions
a. Modification. Neither this Agreement nor any of the terms of this Agreement, nor any covenant or condition contained in this Agreement may be terminated, amended, supplemented, waived, or modified orally, but only by an instrument in writing signed by the party against which the enforcement of the termination, amendment, supplement, waiver, or modification shall be sought. Any written amendment duly executed by the parties to this Agreement shall be binding notwithstanding the absence of any consideration, therefore.
b. Governing Law. This Agreement, and all its provisions, shall be governed by the laws of the State of North Carolina.
c. Limitation on Actions. Any action brought under this Agreement shall be brought within three (3) years from the date of execution of the same.
d. Severability. Any term or provision of this Agreement that is invalid or unenforceable in any jurisdiction shall be ineffective only to the extent of such invalidity or unenforceability and only as to such jurisdiction without rendering invalid or unenforceable the remaining terms and provisions of this Agreement or affecting the validity or enforceability of any of these terms or provisions in any other jurisdiction.
e. Preparation. The parties to this Agreement have participated in the preparation of the Agreement. In the event of any dispute or disagreement involving the construction of this Agreement, no inference will be drawn from the fact that any party had principal responsibility for its preparation.
f. Entire Agreement. This Agreement is the entire Agreement and understanding between the parties regarding its subject matter and merges all prior discussions between the parties. No claimed oral Agreement with respect to the matters herein shall be considered any part of this Agreement.
g. Parties Bound. This Agreement is binding upon and all inure to the benefit of the parties hereto and their respective heirs, executors, administrators, successors, assigns, agents, employees, principals officers, directors, shareholders affiliates subsidiaries, and related companies.
h. Attorney Fees. If any action at law or in equity is commenced by either party to enforce or interpret the terms of this Agreement, each party shall pay their own attorney’s fees and costs.
i. Force Majeure. If performance of this Contract or any obligation under this Contract is prevented, restricted, or interfered with in whole or in part by causes beyond either party's reasonable control ("Force Majeure"), and if the party unable to carry out its obligations give the other party prompt written notice of such event, then the obligations of the party invoking this provision shall be suspended to the extent necessary by such event. The term Force Majeure shall include, without limitation, acts of God, fire, flood, wind, storm, earthquake, embargo, pandemic, endemic, governmental action, explosion, vandalism, or any other cause beyond the CSO’s control, orders or acts of military or civil authority, or by national emergencies, insurrections, riots, or wars, or strikes, lock-outs, work stoppages, or other labor disputes, or supplier failures. The excused party shall use reasonable efforts under the circumstances to avoid or remove such causes of nonperformance and shall proceed to perform with reasonable dispatch whenever such causes are removed or ceased. An act or omission shall be deemed within the reasonable control of a party if committed, omitted, or caused by such party, or its employees, officers, agents, or affiliates.
j. Counterparts. This Agreement may be executed in two (2) or more counterparts, all of which shall be considered one and the same Agreement and shall become effective when one counterpart has been signed by each party and delivered to the other party hereto.
k. Notices. All notices, requests, demands, and other communications required by this Agreement shall be in writing and shall be emailed and/or mailed by first class letter, as follows, or to such other address as a party may designate to the other in writing. Michael Meza, 820 Johnston St., Gibsonville, NC 27249, is the CSO’s principal business agent in the State of Florida authorized to receive service of process.
Acknowledgment
I,
confirm the fact that I agree and understand what I am signing.
*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures.
Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm
Credit Card Authorization Form
By signing, I authorize The Limitless Culture, LLC to automatically charge the card I have designated to pay for the services I purchased from The Limitless Culture, LLC in accordance with the payment schedule and terms of my new client contract.
I agree and authorize The Limitless Culture, LLC to adjust the payments to reflect any late fees that occur during the term of the service.
If I have designated a debit card, I acknowledge my responsibility to ensure there are sufficient funds in my bank account at the time of each scheduled debit. If there are insufficient funds in my account, I understand The Limitless Culture, LLC may charge me an NSF fee and that The Limitless Culture, LLC may at its discretion attempt to process the charge again within 30 days to avoid cancellation.
I also understand that my subscription may cancel or expire due to nonpayment if an automatic payment is rejected.
I understand that this authorization will remain in full force and effect for the remainder of the membership or until The Limitless Culture, LLC has received a written notice from me of its termination.
I agree to notify The Limitless Culture, LLC of any changes to my credit/debit card information or termination of this authorization at least 3 business days prior to the next billing date.
If my scheduled payment falls on a weekend or holiday, I understand that the payment still will be executed on the day I select in this agreement.
Once a subscription of services has begun and agreement is signed, Client will not be eligible for a chargeback of any payments. In the event that we receive a chargeback for said Limitless Culture, LLC’s bank, we reserve the right to execute all fraudulent chargeback to the full extent of the law under felony fraud charges as we see fit.
Client understands and acknowledges that Client willingly entering into a service agreement that stipulates Client must pay agreed-upon monthly fee for service from Limitless Culture, LLC to continue. By entering into this agreement, Client explicitly declare that Client forfeits ability to dispute a payment from Limitless Culture, LLC unless Client cancels service agreement in writing at least five (5) days prior to payment date.
Client understands that if a payment to CSO is disputed for any reason, Limitless Culture, LLC will consider it theft of service and Client will incur a 200.00 chargeback processing fee, this fee will be immediately charged to card on file or any form of payment on file without notice.
Client understands that if a payment to Limitless Culture, LLC is disputed for any reason, Limitless Culture, LLC will consider it theft of service and will pursue any and all legal means of collection, up to and including assignment to a collections service or order of a judgement from the applicable court.
I acknowledge that the origination of transactions to my account must comply with the provisions of U.S. law. I certify that I am an authorized user of this credit/debit card account and will not dispute the scheduled transactions with my bank or credit card company; provided the transactions correspond to the terms indicated in this authorization form. The Limitless Culture, LLC reserves the right to terminate this Authorization and cancel your membership at any moment.
*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm