At Tiff 4 Tax, we’re committed to helping you take back control of your credit. Whether you're dealing with inaccurate items, outdated information, or just need guidance navigating the system — we’re here to help you get your credit back on track with confidence.

Our goal is simple:

Support you through the credit repair process
Ensure inaccurate or unverifiable information is corrected or removed
Equip you with the knowledge to build a stronger financial future

To Get Started

Please review and sign the following required documents:

Credit Analysis & Restoration Agreement
SEC.405 Disclosure Notice
Privacy Policy
Terms of Service

Credit Report Access

We begin your credit analysis immediately after all required documents have been signed.
You’ll receive details for a reliable credit report provider where you can securely obtain your 3-bureau report.
Your analysis officially begins once we receive your report.

What’s Included in Your Credit Analysis:

Your personalized Credit Analysis will include:

A breakdown of how your credit score impacts your financial savings
A simplified explanation of how credit scoring works
A review of your current credit scores and any identified inaccuracies
A detailed list of all negative accounts across your report

Duration of Service:

Tiff 4 Tax begins Credit Analysis immediately after the client provides it with the credit reports and scores. The duration for completion of the Analysis is between two to five days.

Details of Services: Credit Restoration Program

Prepare your dispute rounds for the credit bureaus.
Prepare your dispute rounds for the creditors, if needed.
Prepare your dispute rounds for the collectors, if needed.
Review updated credit reports through your credit monitoring account.
Review all updated documents sent to our company.
File complaints on your behalf to regulatory agencies if needed.
Educate you on the credit score improvement process by email.
Educate you on the credit restoration process by email.
Keep your client tracking portal updated with your credit improvement process.
Keep you updated by phone, if need be, regarding your progress.

Term and Termination:

This agreement begins on the date signed below and continues month-to-month unless canceled. The Client may cancel at any time with written notice.

Refund Policy

In the world of credit repair, the outcome of a service cannot be guaranteed, and no company can promise a result. We put in our best to ensure that incorrect, inadequate, and inaccurate information is identified and modified, or removed from the credit report.

Because services are rendered monthly, no refunds will be issued for completed work. If a billing error occurs, the Client must notify the Company within 10 days.

Fees and Payment:

To begin with services, the following fee structure applies:

Payment Terms

Payments are due according to the agreed-upon schedule outlined in this agreement.
Failure to make timely payments may result in a temporary suspension of services until your account is brought current.
No services will be rendered in advance of payment, in compliance with the Credit Repair Organizations Act (CROA)
Cancellation & Right to Cancel

At Tiff 4 Tax, we believe in flexibility and transparency. That’s why we offer a clear, no-hassle cancellation policy:

Ongoing Cancellation Policy

You may cancel your service at any time — no long-term contracts, no pressure.

We do not operate on an annual commitment basis, and you are never locked in.

If you wish to cancel your agreement, simply contact our office. We'll guide you through the proper steps to finalize your cancellation.

Right to Cancel – 3-Day Window

Under federal law (CROA – Credit Repair Organizations Act), you have the right to cancel this agreement within three (3) business days of signing without incurring any fees or penalties.

Any payments made during that time will be fully refunded within 15 business days of receiving your written cancellation.

To exercise this right, please send a signed and dated cancellation notice to:

Tiff 4 Tax

Client:

Tiff 4 Tax needs correspondence before it can commence work. Therefore, the client should provide credit reports, letters, in due time to prevent delay in the commencement of the contract. By law, Tiff 4 Tax cannot be held accountable for the outcome or the time taken to achieve the desired outcome. Kindly get in touch with us in case of a change in the mailing address.

Indemnification by Client: Client shall defend, indemnify, and hold harmless Tiff 4 Tax, from and against all costs, charges, and expenses (including attorney’s fees) arising out of any type of negligence while providing service.

Limited Liability: Tiff 4 Tax cannot be held liable for any lost profits, savings, or incidental, indirect, or damages stemming from your use of Tiff 4 Tax’service or breach of this agreement.

Arbitration Clause: Any dispute stemming from this contract shall be settled by arbitration, according to the United States Arbitration and Mediation Rules of Arbitration. Upon completion of arbitration, all decisions shall be final and binding, and judgments may be entered for enforcement.

Digital Signature: Client agrees to sign any document that is presented to them via the internet and requires a digital signature. The client can at any time withdraw his or her digital signature.

Governing Law and Jurisdiction:

If a conflict shall arise, and it requires litigation, the contract will be governed by and construed in accordance with the laws of Tiff 4 Tax state.

Entire Agreement: This contract constitutes the entire agreement for and Tiff 4 Tax regarding services that will be performed on behalf of Tiff 4 Tax. By signing this agreement, you agree that this contract supersedes all prior communications or agreements between parties regarding credit repair services.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written.

Our policy on privacy is straightforward. In short, any information you submit to us will remain absolutely private and will not be shared with third-party companies.

Categories of Information

Information about you can be categorized as (a) personally identifiable information, or (b) non-personally identifiable information. “Personally identifiable information” is information that we collect from you, such as your name, postal address, telephone number, fax number, and email address. “Non- personally identifiable information” is information that we collect from you that does not include your name or any information that would allow us to contact you.

How We Use and Disclose Information?

Some of the ways in which we use your personally identifiable information may include using it to prepare disputes, to provide you with information that you may request, and to customize your credit repair experience. It is important for you to understand that we may use a third-party processor to handle our disputes. We generally require that the third-party processor not disclose personally identifiable information or use it other than as necessary to perform their services for us.

Because we care about your privacy, we will not give your personally identifiable information to other marketers or retailers for them to use to contact you about offers or promotions of their own (other than, of course, in connection with the sale of our business).

As a responsible company, we believe obeying the law is important. Therefore, we may disclose personally identifiable information in order to comply with a subpoena or court order, or when

we are required to do so by law. We may also disclose personally identifiable information in cooperation with a law enforcement or government request. It is important for you to understand that the above policies and restrictions do not apply to our use or disclosure of your non-personally identifiable information. We may freely use and disclose non-personally identifiable information for many purposes and on many occasions.

How We Collect Information

We collect personally identifiable information from you by “active” means. In other words, you actively give us the information through the sign-up process of credit repair.

Your Acceptance of These Terms

By signing this agreement, you indicate your acknowledgment of this Privacy Policy. If you do not agree with this Privacy Policy, then do not sign this agreement.