1. Agreement to These Terms These Terms & Conditions govern your access to and use of Upward Credit Solutions 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 Upward Credit Solutions materials, you agree to these Terms & Conditions. If you do not agree with these Terms, do not use our website, purchase our products, register for our programs, access our materials, or participate in our affiliate program. 2. Who We Are Upward Credit Solutions, also referred to as “UCS,” “we,” “us,” or “our,” is an educational and lender-readiness platform. UCS provides educational tools, budgeting education, financial organization guidance, coaching support, affiliate resources, webinars, and lender-readiness education designed to help individuals better understand how financial profiles may be evaluated by lenders and how to prepare for stronger financial decision-making. 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, courses, webinars, coaching sessions, templates, calculators, videos, guides, checklists, emails, worksheets, and other resources are provided for educational and informational purposes only. UCS does not provide legal, tax, accounting, investment, lending, underwriting, or credit repair advice. Any information provided by UCS should not be treated as a guarantee that you will qualify for credit, financing, a loan, homeownership, funding, or any specific financial outcome. You are responsible for evaluating your own financial circumstances and seeking professional advice from licensed professionals when needed. 4. No Credit Repair Services UCS does not sell credit repair services. UCS does not dispute accounts on your behalf, promise the deletion of accurate information, guarantee credit score increases, or claim to remove negative items from consumer reports. UCS provides education, budgeting guidance, financial organization support, lender-readiness education, and coaching designed to help consumers better understand financial habits, documentation, budgeting behavior, and lender evaluation factors. 5. Not a Lender / No Approval Guarantee UCS is not a lender, bank, mortgage company, broker, loan originator, or funding provider. UCS does not approve or deny loans. UCS does not issue credit, make lending decisions, underwrite applications, fund transactions, or guarantee access to financing. Participation in a UCS course, webinar, coaching program, affiliate promotion, or educational pathway does not guarantee loan approval, credit approval, funding, home purchase eligibility, debt reduction, score improvement, or any specific financial result. Lending and credit outcomes depend on many individual factors, including but not limited to income, debts, assets, credit history, payment behavior, budgeting behavior, documentation, lender guidelines, underwriting requirements, market conditions, and consumer participation. 6. User Responsibility You are responsible for: Providing accurate information. Reviewing your own financial documents. Making your own financial decisions. Following through on educational steps. Maintaining personal records. Monitoring your own accounts. Communicating with lenders or professionals directly when applicable. Understanding that outcomes depend on your personal situation and actions. UCS may provide education, structure, guidance, tools, templates, and coaching support, but UCS cannot complete your personal financial responsibilities for you. 7. Courses and Digital Products UCS may offer digital courses, educational downloads, templates, guides, worksheets, calculators, videos, toolkits, and related educational products. The primary UCS affiliate-promoted course is the Pathway to Homeownership educational course. Current standard course price: $297, unless changed by UCS or modified by an official promotion, coupon, or special offer. Course access, course materials, and digital products are for personal educational use only unless UCS provides written permission otherwise. You may not copy, resell, share, reproduce, distribute, upload, publish, modify, or commercially exploit UCS course materials or digital products without written permission from UCS. 8. Coaching and Service-Based Support UCS may offer coaching, budgeting support, financial organization support, lender-readiness support, assessments, planning sessions, or other service-based support. Coaching is separate from course purchases unless specifically bundled or stated at checkout. Standard coaching may be billed month-to-month at $50 per month, unless another amount is stated at checkout or in a written UCS offer. Coaching does not guarantee loan approval, credit approval, funding, score increases, or any specific financial result. No-shows, missed sessions, or unused coaching time may be treated as delivered according to the Refund / Cancellation Policy. 9. Business Setup, Consulting, and Other Services UCS may offer business setup services, consulting services, concierge support, or other non-course services. These services are separate from the UCS educational course and separate from standard affiliate commissions unless UCS officially states otherwise in writing. The scope, price, payment structure, deliverables, and refund terms for these services will be governed by the checkout page, written offer, invoice, service description, or related policy provided at the time of purchase. 10. Webinars and Educational Events UCS may host webinars, workshops, orientations, affiliate trainings, educational events, or other online sessions. Webinars are educational in nature and may include information about lender-readiness, budgeting, financial organization, course enrollment, coaching options, affiliate participation, or other UCS services. Webinar attendance does not guarantee course purchase, coaching enrollment, affiliate approval, loan approval, funding, credit approval, financial improvement, or any specific result. UCS may provide links during or after webinars for course purchases, educational resources, affiliate signup, or next-step actions. 11. Affiliate Program UCS may operate an affiliate program that allows approved affiliates to promote UCS offers. Affiliates must apply, be approved, and follow all UCS affiliate rules, policies, approved messaging standards, disclosure standards, and promotional guidelines. Affiliates are independent promoters and are not employees, agents, legal representatives, partners, lenders, brokers, or officers of UCS. Affiliates may promote approved UCS offers, official webinars, educational events, and direct course sales using approved links and approved messaging. Affiliates may not make unauthorized promises, alter approved claims, use misleading language, present UCS as a lender, claim UCS provides credit repair, guarantee approvals, guarantee score increases, or use MLM-style recruiting language. 12. Affiliate Commissions The current standard affiliate commission is 30% per qualified course sale. For the current $297 Pathway to Homeownership course, the standard commission amount is $89.10 per qualifying course sale. Commissions apply only to approved course sales unless UCS officially states otherwise in writing. No commissions are paid on coaching, consulting, concierge services, business setup services, unrelated services, refunded purchases, chargeback transactions, fraudulent transactions, self-purchases, household payment method purchases, or unqualified transactions unless UCS officially states otherwise in writing. Affiliate payout timing, holds, reversals, clawbacks, attribution rules, fraud reviews, and dispute handling are governed by UCS affiliate policies and the applicable Affiliate Terms. 13. No MLM / No Downline Structure UCS does not operate as a multi-level marketing company. Affiliates earn only on their own qualified direct referrals. Affiliates may invite others to apply to become affiliates, but they do not earn commissions on another affiliate’s sales activity unless UCS creates and publishes a different official written program in the future. There are no downline commissions, override commissions, multi-level compensation structures, or passive recruiting commissions in the standard UCS affiliate program. 14. Affiliate Attribution Affiliate links are the primary method of attribution. Referral codes may be used as a secondary attribution method when applicable. Affiliates are responsible for using the correct approved promotional links and attribution methods. UCS may manually review attribution issues, technical issues, duplicate claims, suspicious activity, refund activity, chargebacks, or disputes. UCS reserves the right to determine final attribution in cases of tracking issues, fraud concerns, duplicate referrals, policy violations, or unclear referral paths. 15. Approved Marketing Materials Affiliates, operators, contractors, and representatives may only use approved UCS messaging, approved UCS assets, approved webinar links, approved course links, approved disclosures, approved graphics, approved captions, approved scripts, and approved promotional materials. UCS may provide approved materials through a centralized marketing hub. Only the latest approved versions should be used. Outdated, altered, misleading, unauthorized, or non-approved materials may not be used to promote UCS. Affiliates and promoters may submit content ideas for review, but submitted content may not be used publicly unless UCS approves it in writing. 16. Prohibited Promotional Claims Users, affiliates, operators, contractors, representatives, and promoters may not: Guarantee loan approvals. Guarantee credit approvals. Guarantee funding. Guarantee credit score increases. Claim UCS is a credit repair company. Claim UCS can remove accurate credit information. Present UCS as a lender, bank, mortgage company, broker, or funding provider. Make misleading income claims. Use deceptive marketing practices. Use fear-based or misleading financial claims. Use MLM-style recruiting language. Modify approved messaging in a misleading way. Promise specific financial outcomes. Promise commissions or affiliate earnings. Misrepresent course, coaching, or affiliate terms. Use UCS branding without approval. Remove required disclosures. Violation of these standards may result in denial of access, termination of affiliate status, cancellation of unpaid commissions, removal from UCS programs, or other corrective action. 17. Accounts, Access, and Login Information Some UCS products or services may require account access, login credentials, course access, membership access, portal access, webinar registration, or email-based access. You are responsible for maintaining the confidentiality of your login information. You may not share your login, course access, affiliate access, private resources, or restricted materials with unauthorized users. UCS may suspend or terminate access if account sharing, unauthorized distribution, abuse, fraud, chargeback abuse, policy violations, or misuse is detected. 18. Payment Terms By purchasing a UCS course, product, coaching service, subscription, membership, consultation, business setup service, or other paid offer, you authorize the applicable payment processor to charge your selected payment method. You agree to provide accurate payment information and keep payment information current for recurring services. Prices, promotions, coupons, payment plans, trial offers, and available services may change at any time unless otherwise stated in writing. If a payment fails, UCS may suspend access to paid materials, services, memberships, subscriptions, or coaching until payment is resolved. 19. Refunds, Cancellations, and Chargebacks Refunds, cancellations, billing disputes, chargebacks, subscription cancellations, coaching cancellations, and affiliate commission reversals are governed by the UCS Return, Refund & Cancellation Policy. General policy standards include: Digital products may be final sale once accessed or downloaded. Refunds may be available within the stated refund window only when access has not occurred, depending on the product. Coaching may continue through the paid period after cancellation, with no prorated refund unless otherwise stated. Customers should contact UCS first to resolve billing issues. Approved refunds may reverse related affiliate commissions. Chargebacks, billing errors, duplicate charges, fraud reviews, or refund activity may void, reverse, or claw back affiliate commissions. To request a refund or cancellation, contact: support@upwardcreditsolutions.net 20. Intellectual Property All UCS materials are owned by or licensed to UCS, including but not limited to: Course content Videos Worksheets Guides Templates Calculators Emails Scripts Slide decks Webinar materials Coaching materials Affiliate materials Marketing assets Graphics Logos Brand language Training materials Checklists Internal systems Written processes Digital downloads You may not copy, reproduce, resell, publish, distribute, display, upload, modify, create derivative works from, or commercially exploit UCS materials without written permission from UCS. Purchasing a course, downloading a resource, joining coaching, attending a webinar, or becoming an affiliate does not transfer ownership rights to you. 21. User Submissions and Communications If you submit forms, testimonials, comments, questions, feedback, support requests, affiliate applications, content ideas, or other communications to UCS, you agree that the information you provide is accurate to the best of your knowledge. UCS may use submitted information to provide support, respond to requests, process applications, manage customer relationships, improve services, review affiliate activity, or operate the UCS ecosystem. UCS will handle personal information according to its Privacy Policy. Testimonials, success stories, or promotional examples may only be used publicly with appropriate permission. 22. Third-Party Tools, Links, and Services UCS may reference or link to third-party tools, websites, payment processors, webinar platforms, budgeting tools, scheduling tools, email systems, course platforms, or other service providers. Third-party services are controlled by their own terms, conditions, privacy policies, fees, and practices. UCS is not responsible for third-party outages, pricing changes, data practices, service interruptions, account access issues, or platform decisions. UCS may recommend certain tools for educational or operational reasons, but users are responsible for deciding whether those tools are appropriate for their own circumstances. 23. No Professional-Client Relationship Use of UCS materials, participation in UCS coaching, attendance at webinars, purchase of courses, or communication with UCS does not create an attorney-client, tax advisor-client, accountant-client, lender-client, broker-client, fiduciary, or professional advisory relationship. UCS provides education, guidance, structure, and support only. You should consult licensed professionals for legal, tax, accounting, lending, investment, or financial planning advice when needed. 24. No Guaranteed Results UCS does not guarantee that you will: Improve your credit score. Receive loan approval. Receive credit approval. Receive funding. Purchase a home. Reduce debt. Increase income. Build wealth. Qualify for a specific financial product. Receive a specific lender decision. Earn affiliate commissions. Generate course sales. Achieve any specific financial, business, or personal outcome. Results vary based on individual circumstances, participation, financial behavior, documentation, income, debt, lender guidelines, market conditions, and other factors outside UCS control. 25. Customer Conduct You agree not to misuse UCS websites, materials, programs, communities, affiliate resources, forms, or services. You may not: Use UCS materials for unlawful purposes. Share restricted access with unauthorized users. Copy or resell UCS materials. Harass, threaten, or abuse UCS staff, affiliates, customers, or community members. Submit false information. Attempt to bypass payment systems. Abuse refund or chargeback processes. Use UCS branding without approval. Misrepresent your relationship with UCS. Make unauthorized claims on behalf of UCS. Interfere with UCS operations, platforms, systems, or programs. UCS may restrict, suspend, or terminate access for violations of these Terms. 26. Suspension or Termination UCS may suspend or terminate your access to websites, courses, coaching, materials, affiliate resources, memberships, communities, or services if you violate these Terms, violate affiliate policies, misuse materials, fail to pay, engage in fraud, abuse chargeback processes, share restricted access, make prohibited claims, or harm the UCS brand or operations. Termination may result in loss of access to materials, services, unpaid affiliate commissions, promotional rights, or restricted resources. 27. Limitation of Liability To the maximum extent permitted by law, UCS is not liable for indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits, lost revenue, lost opportunities, lost data, business interruption, financial losses, denied applications, credit decisions, lender decisions, affiliate earnings, or other outcomes connected to your use of UCS materials, services, websites, courses, coaching, webinars, or affiliate resources. UCS’s total liability for any claim related to a paid product or service will not exceed the amount you paid to UCS for that specific product or service giving rise to the claim, unless applicable law requires otherwise. 28. Indemnification You agree to defend, indemnify, and hold harmless UCS, its owners, officers, employees, contractors, affiliates, representatives, and service providers from claims, damages, losses, liabilities, costs, and expenses arising from your violation of these Terms, misuse of UCS materials, unauthorized claims, unlawful conduct, affiliate misconduct, improper promotion, or infringement of another party’s rights. 29. Changes to Services or Terms UCS may update products, services, prices, course content, coaching options, affiliate rules, webinar structure, promotional materials, policies, and these Terms at any time. Updated Terms will be posted with a revised effective date. Continued use of UCS websites, services, materials, courses, coaching, affiliate resources, or programs after changes are posted means you accept the updated Terms. 30. Governing Law These Terms are governed by the laws of the state where UCS is legally organized or primarily operates, unless applicable law requires otherwise. Any disputes must be handled in the appropriate courts or dispute resolution forum with jurisdiction over UCS, unless another written agreement applies. 31. Contact Information For questions about these Terms, billing issues, cancellation requests, refund requests, access issues, or support needs, contact: Upward Credit Solutions Email: support@upwardcreditsolutions.net 32. Final Acknowledgment By using UCS websites, submitting forms, registering for webinars, purchasing products, accessing courses, enrolling in coaching, applying as an affiliate, promoting UCS, or using UCS materials, you acknowledge that: UCS is an educational and lender-readiness platform. UCS is not a credit repair company. UCS is not a lender. UCS does not guarantee approvals, funding, score increases, commissions, or financial outcomes. You are responsible for your own decisions, participation, documentation, and financial actions. You agree to follow these Terms and all applicable UCS policies. Terminology Audit Result Passed for this approval draft. Removed / avoided: mortgage-ready borrower-readiness credit repair positioning guaranteed approval language guaranteed score increase language guaranteed funding language MLM/downline compensation language backend software references coaching commission confusion Used consistently: lender-readiness educational platform budgeting education financial organization coaching support approved UCS assets centralized marketing hub qualified course sale commission payout / refund / chargeback language no lender / no approval guarantee language