Effective Date: Immediately
Company Entities:
New Era of Conscious Living Corporation
DBA: Dirmarcus Deshane Scott Consulting
(“Company,” “we,” “us,” or “our”)

This Billing & Subscription Policy explains how payments, billing, subscriptions, and renewals operate.
By purchasing or using our services, you agree to this policy.

Our services consist of:

• Financial education
   
• Consulting
   
• Credit literacy guidance
   
• Document review and preparation
   
• Strategy development
   
• Administrative support
   

Subscriptions are access-based, not performance-based.
Fees compensate for time, education, digital access, and consulting — not credit outcomes, deletions, or approvals.

Clients are billed $97.97 every 30 days on a recurring subscription basis.

Billing begins on the date of purchase, not the first scheduled consultation.

Example:
If you subscribe on March 10, your next bill is April 10, then May 10, and so on.

Subscriptions renew automatically unless cancelled in writing.

Your subscription provides continued access to:

• Financial education
   
• Digital materials
   
• General credit literacy and strategy guidance
   
• Client support and communication
   
• Administrative review of documents
   

These services are educational, not transactional or guarantee-based.

Payments cover services delivered — not outcomes.

We do not guarantee:

• Credit score increases
   
• Removal of accurate negative items
   
• Loan or mortgage approvals
   
• Business funding or financial approvals
   
• Response timeframes from bureaus or lenders
   

Every financial profile is different.
Results depend on personal history and third-party institutions.

By purchasing a subscription, you authorize the Company to:

• Automatically charge your payment method
   
• Continue billing until cancellation is received
   

You agree to maintain valid payment information on file at all times.

We follow PCI-DSS (Payment Card Industry Data Security Standard) guidelines.

This means:

• We do not store full credit card numbers
   
• We do not collect or retain CVV codes
   
• We do not manually store banking or cardholder data
   
• All cardholder information is processed through third-party secure vendors
   

All payments are processed through PCI-compliant payment gateways such as:

• Stripe
   
• GoDaddy
   
• Authorize.net
   
• PayPal
   
• Apple Pay
   
• Banking/ACH processors
   

We never request:

• Photos of credit cards
   
• Social Security numbers via unsecured methods
   
• Payment information through text messaging
   
• Banking passwords
   
• Login credentials to financial institutions
   

We do not accept cardholder information verbally or over the phone.

Any information transmitted is handled by the gateway provider under their PCI compliance controls, not ours.

Subscribers may cancel at any time by sending a written request via email or SMS.

Cancellations:

• Take effect in the next billing cycle
   
• Do not reverse or refund previously processed charges
   

We do not refund:

• Past billing cycles
   
• Completed services
   
• Digital materials already delivered
   

Once cancelled, the subscription will not renew.

If a payment fails:

• Access to services may be paused or restricted
   
• The payment processor may retry automatically
   
• The Company may terminate service for non-payment
   

We reserve the right to send invoices or refer unpaid balances to collection entities if necessary.

A chargeback filed without contacting us first is considered a breach of this agreement.

If a chargeback is initiated:

• Services will be terminated immediately
   
• Your case history and communication logs may be submitted to the processor
   
• We may pursue collection or legal remedies
   

We request that all billing concerns be addressed internally before involving a bank or payment processor.

We reserve the right to adjust pricing.
Subscribers will be notified in writing if rates change, and changes will apply to the next billing cycle after notification.

If you do not agree to updated pricing, you must cancel before the next renewal.

Payments may be processed through:

• Stripe
   
• GoDaddy Payments
   
• PayPal
   
• Authorize.net
   
• Bank ACH
   
• Apple Pay
   
• Zelle
   
• Cash App
   

Each processor may impose its own terms, holds, reviews, and processing times.
The Company is not responsible for:

• Bank delays
   
• Payment holds
   
• Processing errors
   
• Merchant reviews
   

We comply with:

• FTC Regulations
   
• Fair Credit Reporting Act (FCRA)
   
• Telephone Consumer Protection Act (TCPA)
   
• PCI DSS Payment Processing Standards
   
• State Commerce Guidelines
   

We do not:

• Sell tradelines
   
• Guarantee credit score changes
   
• Guarantee funding outcomes
   
• Offer “pay-for-deletion” services
   
• File false or fraudulent disputes
   
• Engage in unlawful credit repair activities
   

Services are strictly educational and consulting in nature.

We reserve the right to terminate service if:

• Fraud is suspected
   
• Abusive or hostile communication occurs
   
• Client misuses information or materials
   
• Payment methods are repeatedly declined
   
• Policies are violated
   

Termination does not entitle a refund.

For billing, cancellations, or inquiries:

New Era of Conscious Living Corporation
DBA: Dirmarcus Deshane Scott Consulting

Email:
neweraofconsciousliving@yahoo.com
dirmarcusscott88@yahoo.com

Phone:
832-892-2540

Mailing Address:
24818 Morton Ranch Rd, Ste 200 PMB #50
Katy, Texas 77493

By purchasing or using our services, you acknowledge that you have read and agree to this Billing & Subscription Policy in full.