Credit Repair Indemnity Agreement

CREDIT REPAIR INDEMNITY AGREEMENT

This Credit Repair Indemnity Agreement ("Agreement") is entered into effective as of by and between Service Provider: located at and Client: located at .

RECITALS

WHEREAS, Service Provider is engaged in the business of providing credit information review, dispute processing, and related credit improvement services ("Services"); and

WHEREAS, Client desires to retain Service Provider to perform Services with respect to Client's consumer credit reports and account information, and Service Provider is willing to perform such Services subject to the terms and conditions set forth herein; and

WHEREAS, the parties acknowledge that outcomes cannot be guaranteed and that certain actions taken by Service Provider (including disputes, communications with credit furnishers and credit reporting agencies, and preparation and submission of documents) may expose Service Provider to claims arising from Client-provided information or third-party responses; accordingly, the parties agree to the indemnity terms set forth below.

SCOPE OF WORK

PAYMENT TERMS

If any payment is not received within days of its due date, Client shall pay a late fee equal to per month on the outstanding balance, plus reasonable costs of collection, including attorneys' fees.

TERM AND TERMINATION

Term: This Agreement commences on and shall continue until unless earlier terminated in accordance with this section.

Either party may terminate this Agreement for convenience upon providing the other party with days' prior written notice. Service Provider may terminate immediately for material breach by Client, nonpayment, or Client's failure to provide required authorizations.

Upon termination, Client remains liable for all fees and costs incurred through the effective date of termination and for any nonrefundable third-party costs incurred by Service Provider on Client's behalf.

CONFIDENTIALITY

Each party shall maintain in confidence all nonpublic information disclosed by the other party in connection with this Agreement and shall not disclose such information to third parties except as necessary to perform the Services, to comply with law, or with the disclosing party's prior written consent. Confidential information does not include information that is or becomes public through no breach of this Agreement, is independently developed by the recipient, or is rightfully obtained by the recipient from a third party.

CLIENT AUTHORIZATION

Client authorizes Service Provider to obtain credit reports and other consumer information, to communicate with credit reporting agencies, furnishers, and third parties as necessary to perform the Services, and to submit disputes, verifications, and supporting documentation on Client's behalf. Client certifies that all information and documentation provided to Service Provider is true, complete, and accurate to the best of Client's knowledge.

INDEMNITY

Client shall indemnify, defend and hold harmless Service Provider and its officers, directors, employees, agents, affiliates and assigns (collectively, the "Indemnified Parties") from and against any and all claims, demands, liabilities, damages, losses, fines, penalties, costs and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (a) any misrepresentation, omission or falsification of facts by Client or any third party engaged by Client; (b) Client's failure to timely provide accurate documentation or authorizations necessary to perform the Services; (c) disputes initiated by Client or third parties regarding the accuracy, ownership or status of data furnished by Client; (d) any administrative, civil or criminal claim, suit or proceeding arising from Client-provided information or actions by third parties responsive to disputes submitted by Service Provider on Client's behalf.

Service Provider shall provide prompt written notice to Client of any indemnifiable claim and shall permit Client to assume control of the defense and settlement, provided that Client shall not settle any claim that imposes obligations or liabilities on Service Provider without Service Provider's prior written consent (which shall not be unreasonably withheld). Service Provider may participate in the defense with counsel of its choosing at its own expense.

Notwithstanding the foregoing, Client's indemnity shall not apply to the extent a claim is finally determined by a court of competent jurisdiction to have resulted solely from Service Provider's gross negligence or willful misconduct.

DISCLAIMER OF GUARANTEE

Client acknowledges that Service Provider does not guarantee specific results, placement of credit items, or deletion of accurate public records. Service Provider's obligations are limited to use of commercially reasonable efforts to perform the Services described in this Agreement.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the State of without regard to its conflict of laws principles.

ENTIRE AGREEMENT; MISCELLANEOUS

This Agreement, together with any attachments, exhibits and executed authorizations, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior and contemporaneous agreements, understandings, negotiations and discussions, whether oral or written. No amendment to this Agreement shall be effective unless in writing and signed by both parties.

If any provision of this Agreement is held invalid or unenforceable, the remaining provisions will remain in full force and effect. Neither party may assign this Agreement without the prior written consent of the other, except that Service Provider may assign to an affiliate or in connection with a sale of substantially all of its assets.

NOTICES

ADDITIONAL ACKNOWLEDGMENTS

Client acknowledges receipt of this Agreement, has read and understands the terms herein, and has had the opportunity to consult independent counsel prior to signing. Client further acknowledges that Client is not relying on any promises or representations other than those expressly set forth in this Agreement.

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