Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Dirmarcus Scott Consulting, a DBA of New Era of Conscious Living ("Company," "we," "us," or "our"), governing your access to and use of our website at https://neweraofconsciousliving.com and all credit consulting, financial coaching, and related services we provide.

By accessing our website, submitting an inquiry, enrolling in our services, or making any payment, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use our website or services.

Dirmarcus Scott Consulting provides the following services to individual consumers:

• Credit report review and analysis
• Credit dispute preparation and submission assistance
• ChexSystems and Early Warning Services (EWS) remediation
• Financial coaching and credit education
• Referrals to credit monitoring tools and resources

We are a consulting and coaching company. We do not guarantee specific credit score outcomes, loan approvals, or financial results. Results vary based on individual circumstances, credit history, and the response of credit bureaus and creditors.

We are not a law firm and do not provide legal advice. Nothing in our services constitutes legal representation.

Our services are available to individuals who are 18 years of age or older and are legal residents of the United States. By enrolling, you represent and warrant that you meet these eligibility requirements.

You agree to provide accurate, current, and complete information during enrollment and to update such information as necessary.

Enrollment in our services requires payment of a one-time enrollment fee of $97.97 and agreement to a recurring monthly service fee of $97.97, billed on the same calendar date each month.

By enrolling, you authorize us to charge your payment method for the enrollment fee and all subsequent monthly fees until you cancel your subscription in accordance with our cancellation policy.

A separate service agreement may be provided at enrollment. In the event of any conflict between these Terms and a signed service agreement, the service agreement shall control.

To receive the full benefit of our services, you agree to:

• Provide accurate and complete personal and financial information
• Respond promptly to requests for documentation or information
• Review and approve dispute letters before submission
• Notify us of any changes to your contact information or payment method
• Maintain your monthly subscription payments in good standing
• Not engage in any fraudulent, deceptive, or illegal activity in connection with our services

You agree not to use our website or services to:

• Violate any applicable federal, state, or local law or regulation
• Provide false or misleading information
• Attempt to dispute accurate, verifiable information on your credit report
• Harass, threaten, or harm our staff or other clients
• Reverse engineer, copy, or reproduce any part of our website or proprietary materials
• Use automated tools to scrape, crawl, or extract data from our website

All fees are due as described in our Billing & Subscription policy, which is incorporated into these Terms by reference.

We accept all major credit cards, debit cards, ACH bank transfers, and payments processed through QuickBooks invoicing. Invoices issued via QuickBooks are due upon receipt unless otherwise stated.

Failure to maintain current payment may result in suspension or termination of services. Outstanding balances are subject to collection.

You may cancel your subscription at any time by contacting us at least 5 business days before your next billing date. Please review our full Return & Refund Policy for complete details on eligibility and procedures.

Credit repair and financial coaching outcomes depend on many factors outside our control, including the policies of credit bureaus, creditors, and collection agencies, as well as your individual credit history and financial behavior.

We make no guarantee, warranty, or representation that our services will result in any specific improvement to your credit score, removal of any particular item from your credit report, or approval for any credit product.

Any testimonials or case studies shared on our website represent individual results and are not typical. Your results may differ.

All content on our website, including text, graphics, logos, images, and educational materials, is the property of Dirmarcus Scott Consulting or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any of our content without our prior written consent.

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

TO THE FULLEST EXTENT PERMITTED BY LAW, DIRMARCUS SCOTT CONSULTING AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU IN THE THREE (3) MONTHS PRECEDING THE CLAIM.

You agree to indemnify, defend, and hold harmless Dirmarcus Scott Consulting, its DBA New Era of Conscious Living, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of our services, your violation of these Terms, or your violation of any third-party rights.

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Any dispute arising out of or related to these Terms or our services shall first be submitted to good-faith negotiation. If not resolved within 30 days, disputes shall be resolved by binding arbitration in Harris County, Texas, under the rules of the American Arbitration Association.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction.

We reserve the right to modify these Terms at any time. When we make material changes, we will update the effective date at the top of this page. Your continued use of our services after any changes constitutes your acceptance of the updated Terms.

We encourage you to review these Terms periodically.

If you have questions about these Terms of Service, please contact us: