Upward Credit Solutions — Terms & Conditions

Institutional Version 1.4

Contact: support@upwardcreditsolutions.net

1. Agreement to These Terms

These Terms & Conditions govern your access to and use of Upward Credit Solutions (“UCS”) websites, landing pages, course pages, checkout pages, webinar pages, educational materials, coaching services, affiliate resources, digital products, and related services.

By visiting our website, submitting a form, registering for a webinar, purchasing a course, accessing digital materials, enrolling in coaching, applying to become an affiliate, or using any UCS materials, you agree to these Terms.

If you do not agree, do not use UCS websites, products, or services.

2. Who We Are

UCS is an educational and lender-readiness platform.

UCS is not a lender, bank, mortgage company, credit repair company, law firm, accounting firm, or financial advisory firm.

3. Educational Purpose Only

All UCS materials are for educational and informational purposes only.

UCS does not provide legal, tax, accounting, investment, lending, underwriting, or credit repair advice.

No UCS material guarantees loan approval, credit approval, funding, homeownership, or any financial outcome.

4. No Credit Repair Services

UCS does not dispute credit items, remove accurate credit information, guarantee score increases, or sell credit repair services.

5. Not a Lender / No Approval Guarantee

UCS does not approve or deny loans, issue credit, underwrite applications, or fund transactions.

Participation in UCS programs does not guarantee any financial outcome.

6. User Responsibility

You are responsible for providing accurate information, reviewing your own financial documents, making your own financial decisions, and communicating with lenders directly.

7. Courses and Digital Products

UCS may offer digital courses, templates, guides, worksheets, calculators, and related educational products.

Course materials are for personal use only unless UCS provides written permission.

Unauthorized copying, sharing, distribution, resale, publication, or commercial use is prohibited.

8. Coaching and Service-Based Support

Coaching is separate from course purchases unless stated otherwise.

Coaching does not guarantee any financial outcome.

9. Business Setup, Consulting, and Other Services

Business setup, consulting, and other service-based support are governed by the terms provided at purchase.

These services are educational and administrative in nature unless UCS expressly states otherwise in writing.

UCS does not provide legal, tax, accounting, lending, underwriting, investment, or financial advisory services.

10. Webinars and Educational Events

Webinars are educational and do not guarantee course purchase, coaching enrollment, affiliate approval, or financial outcomes.

11. Affiliate Program

Affiliates must apply, be approved, and follow all UCS rules, disclosures, and approved messaging.

Affiliates are independent promoters, not employees or agents of UCS.

12. Affiliate Commissions

The standard individual affiliate commission is 30% per qualified course sale, currently $89.10 on a $297 course, subject to UCS Affiliate Terms.

Commissions apply only to qualified course sales and exclude coaching, consulting, concierge services, business setup services, refunds, chargebacks, fraudulent transactions, self-purchases, household purchases, and other unqualified transactions unless UCS officially states otherwise in writing.

Affiliate payout rules are governed by the UCS Affiliate Terms.

Banks, credit unions, loan officers, mortgage originators, mortgage companies, settlement-service providers, and other federally regulated or institutionally regulated referral sources are excluded from individual direct cash commission payouts.

Regulated institutional affiliates and regulated referral sources may be routed through a non-commissioned institutional track, where approved program value may be recorded as a consumer credit, community benefit, sponsorship, grant, charitable/community reinvestment ledger entry, or other approved non-cash structure rather than an individual payout.

No UCS commission, non-cash value, credit, sponsorship, grant, ledger entry, or other benefit is tied to loan applications, loan approvals, funded loans, closings, settlement services, interest rates, underwriting outcomes, or lender decisions.

13. No MLM / No Downline Structure

UCS does not operate a multi-level marketing program.

Standard individual affiliates may earn only on their own qualified direct referrals, subject to UCS Affiliate Terms.

There are no downline commissions, override commissions, multi-level compensation structures, passive recruiting commissions, or commission stacking arrangements in the standard UCS affiliate program.

14. Affiliate Attribution

Affiliate links are the primary attribution method.

UCS may review attribution disputes, fraud concerns, or unclear referral paths.

15. Approved Marketing Materials

Affiliates may only use UCS-approved messaging, assets, disclosures, and promotional materials.

16. Prohibited Promotional Claims

Affiliates and users may not guarantee approvals, guarantee score increases, claim UCS is a lender, use deceptive marketing, use MLM-style language, misrepresent UCS services, or promise commissions or earnings.

17. Accounts, Access, and Login Information

You are responsible for protecting your login credentials.

Unauthorized sharing may result in suspension or termination.

18. Payment Terms

Purchases authorize the payment processor to charge your selected method.

Prices and offers may change at any time.

19. Refunds, Cancellations, and Chargebacks

Refunds, cancellations, and chargebacks are governed by the UCS Return, Refund & Cancellation Policy.

For refund, cancellation, or billing questions, contact:

support@upwardcreditsolutions.net

20. Intellectual Property

All UCS materials are owned by or licensed to UCS.

Unauthorized copying, distribution, or commercial use is prohibited.

21. User Submissions and Communications

UCS may use submitted information to provide support, process applications, or improve services.

Testimonials may only be used publicly with permission.

22. Third-Party Tools, Links, and Services

UCS is not responsible for third-party tools, platforms, payment processors, webinar systems, course platforms, email systems, analytics tools, affiliate tracking systems, CRM systems, or external websites.

Users should review the terms and privacy policies of any third-party tools or services they use.

Technical Data Platform Separation

UCS operates independently from an affiliate’s or institutional referral source’s internal CRM databases, email lists, text distribution systems, audience targeting systems, privacy-permission controls, and contact-list management practices.

Affiliates and institutional referral sources remain responsible for their own outreach systems, consumer permissions, data practices, privacy compliance, platform compliance, and contact-list management.

UCS does not manage, control, or assume responsibility for an affiliate’s or referral source’s internal databases, marketing lists, targeting systems, outreach permissions, or privacy-law compliance.

Any consumer status-sharing by UCS is limited to consumer-authorized status-sharing mechanisms and applicable UCS policies.

23. No Professional-Client Relationship

UCS does not create attorney-client, tax-advisor, accountant-client, lender-client, or fiduciary relationships.

24. No Guaranteed Results

UCS does not guarantee credit score increases, loan approvals, funding, home purchases, affiliate earnings, or financial outcomes.

25. Customer Conduct

You may not misuse UCS materials, systems, or programs.

Violations may result in suspension or termination.

26. Suspension or Termination

UCS may suspend or terminate access for violations, misuse, fraud, or harmful conduct.

27. Limitation of Liability

To the fullest extent permitted by law, UCS is not liable for indirect, incidental, consequential, special, punitive, or exemplary damages.

To the fullest extent permitted by law, total liability is limited to the amount paid for the specific product or service giving rise to the claim.

28. Indemnification

You agree to indemnify and hold UCS harmless from claims, losses, damages, liabilities, costs, or expenses arising from your violation of these Terms, misuse of UCS materials, unauthorized promotional activity, inaccurate information, unlawful conduct, or failure to comply with applicable laws, platform rules, or UCS policies.

Third-Party Cross-Liability Responsibility

UCS is responsible for its own educational content, platform delivery, approved marketing assets, and UCS-directed communications.

Participating referral institutions, affiliates, contractors, and referral sources remain responsible for their own CRM activity, database marketing, consumer targeting, internal marketing approvals, referral procedures, outreach permissions, and compliance obligations.

UCS materials are designed to avoid misleading claims, pressure-based tactics, deceptive representations, credit repair positioning, lender-status confusion, and guaranteed-outcome claims.

29. Changes to Services or Terms

UCS may update products, services, and Terms at any time.

Continued use constitutes acceptance.

30. Governing Law

These Terms are governed by the laws of the State of Missouri, without regard to conflict-of-law principles.

31. Contact Information

Upward Credit Solutions

Email: support@upwardcreditsolutions.net

32. Final Acknowledgment

By using UCS websites or services, you acknowledge:

• UCS is an educational and lender-readiness platform.
• UCS is not a lender or credit repair company.
• UCS does not guarantee financial outcomes.
• You are responsible for your own decisions and actions.
• You agree to follow these Terms and all UCS policies.