Please Review Before Enrolling

B3 Wealth Hub believes in transparency. Please review the applicable service agreement and policies before purchasing or enrolling in a service.

Credit Repair Payment Policy

Credit repair fees are not collected in advance for services that have not been performed.

The applicable service fee becomes due only after the corresponding agreed-upon credit repair service has been fully performed, consistent with applicable law and the client’s service agreement.

Recurring billing does not mean that a fee is automatically earned simply because another month has passed. Fees correspond to services actually performed under the applicable agreement.

Cancellation Policy

Credit repair clients receive the cancellation rights provided by their service agreement and applicable federal and state law.

B3 Wealth Hub’s credit repair agreement provides a five-business-day cancellation period following execution of the agreement.

Credit repair services will not begin during the applicable statutory waiting period.

If applicable law provides a client with greater cancellation rights, the more protective requirement will apply.

Refund Policy

Credit Repair Services

B3 Wealth Hub does not charge clients for credit repair services that have not been fully performed.

Once an agreed-upon credit repair service has been fully performed and the corresponding fee has been lawfully earned, that earned fee is generally non-refundable, except when a refund is required by applicable law or the client’s service agreement.

Cancellation of future services does not automatically create a refund entitlement for services already completed.

Nothing in this policy limits or waives any consumer right that cannot legally be waived.

Consulting, Mentorship & Other Services

Because consulting and mentorship involve reserved time, access, personalized strategy, preparation, and/or delivery of professional services, fees for services already provided or earned are generally non-refundable except as required by law or the applicable service agreement.

Any cancellation terms applicable to a specific service will be disclosed before purchase.

Client Responsibility Policy

Your Participation Matters

B3 Wealth Hub’s ability to provide timely service depends on timely client participation.

Depending on the service, clients may be required to provide:

• Identification

• Proof of address

• Credit reports

• Credit monitoring access

• Bureau or creditor correspondence

• Requested signatures or authorizations

• Business documentation

• Funding documentation

• Updated account information

• Responses to questions concerning disputed accounts

• Other documents reasonably necessary to perform the selected service

Clients are responsible for providing accurate information and responding to reasonable requests within the timeframe communicated by B3 Wealth Hub.

Client Delays

Missing Information May Pause Your Service

If information, documentation, authorization, credit monitoring access, or another required item is not provided, B3 Wealth Hub may be unable to complete the next stage of service.

In those circumstances, the affected service may be paused until the required information is received.

B3 Wealth Hub is not responsible for processing delays caused by a client’s failure to provide required information, documents, access, signatures, or responses.

A client-caused delay does not make previously completed and lawfully earned services refundable.

At the same time, B3 Wealth Hub will not charge a credit repair fee for services that have not been fully performed.

Extended nonresponsiveness may result in administrative closure or termination of services in accordance with the applicable service agreement and law.

Credit Monitoring Responsibility

When an active third-party credit monitoring account is required to perform credit restoration services, the client is responsible for maintaining that account and providing the access necessary to review updated credit information.

If the account expires, is canceled, becomes inaccessible, or cannot be updated because of the client’s actions, processing may be paused until access is restored.

B3 Wealth Hub is not responsible for delays resulting from unavailable client-provided credit monitoring access.

Results Disclaimer

Results Are Never Guaranteed

B3 Wealth Hub does not guarantee:

• Removal of any particular credit item

• Removal of accurate, current, and verifiable information

• A specific number of deletions

• A specific credit-score increase

• A particular credit score

• Results within a specific timeframe

• Loan or credit-card approval

• Business funding approval

• A particular funding amount

• Specific interest rates or credit limits

• Business revenue or profitability

• Any particular financial outcome

Credit results vary based on each individual’s credit profile, documentation, account history, responsiveness, credit bureau investigations, creditor or furnisher responses, and other circumstances outside B3 Wealth Hub’s control.

Credit bureaus, creditors, furnishers, lenders, and financial institutions make their own independent decisions.

Accurate Information

B3 Wealth Hub assists consumers with addressing information believed to be inaccurate, incomplete, outdated, or unverifiable.

We do not guarantee or promise the removal of accurate, current, and verifiable negative information.

Clients are expected to provide truthful and accurate information concerning their credit accounts.

B3 Wealth Hub will not knowingly submit false information or instruct clients to misrepresent their identity, accounts, payment history, or other financial information.

Business & Funding Disclaimer

Business consulting, mentorship, financial education, and funding strategy services are provided for educational and strategic purposes.

B3 Wealth Hub does not guarantee business funding, lender approval, profitability, revenue, business success, or any particular financial result.

Clients remain responsible for their own business and financial decisions.

Payment Questions & Disputes

If you believe you were charged incorrectly or have a concern regarding your service, please contact B3 Wealth Hub promptly so that we can review your account, service history, and payment records.

Nothing contained in these policies is intended to waive, restrict, or eliminate any consumer right or remedy that cannot legally be waived.

Before You Enroll

By enrolling in a B3 Wealth Hub service, you acknowledge that you are responsible for reviewing and agreeing to the specific service agreement, cancellation notice, disclosures, payment authorization, and policies applicable to the service you select.

Website information is provided as a general overview and does not replace the terms of your executed service agreement.