DIPORUSA LLC – CREDIT EDUCATION & DISPUTE ASSISTANCE AGREEMENT (“Agreement”)
IMPORTANT: DO NOT SIGN UNTIL YOU READ THIS ENTIRE AGREEMENT. THIS AGREEMENT INCLUDES IMPORTANT TERMS LIMITING LIABILITY AND REQUIRING DISPUTE RESOLUTION.
1) PARTIES
This Agreement is between Diporusa LLC (“Company,” “we,” “us”) and the undersigned client (“Client,” “you”).
Company Contact:Diporusa LLC
Email: info@diporusa.com
Phone: (224) 387-6872
Website: www.diporusa.com
2) EFFECTIVE DATE
This Agreement is executed on the date you sign (“Signature Date”). Services will not begin until the expiration of the 3-business-day cancellation period described in Section 10.
3) SERVICES (SCOPE)
Company provides credit education and document preparation assistance related to credit reporting disputes, which may include:
(a) Review of credit reports provided by Client (or obtained with Client’s written permission).
(b) Identification of potentially inaccurate, incomplete, outdated, or unverifiable credit reporting entries based on information available.
(c) Preparation of dispute correspondence for credit reporting agencies and/or data furnishers, based on Client-provided information and Client approval.
(d) General credit education and coaching.
NOT INCLUDED / EXCLUSIONS:
Company is not a law firm and does not provide legal advice or legal representation.
Company does not provide tax advice, investment advice, or financial planning.
Company does not guarantee removal of any item, score increases, specific outcomes, or any timeframe.
Company does not instruct Client to misrepresent facts and will not submit disputes containing false statements.
4) CLIENT RESPONSIBILITIES
Client agrees to:
(a) Provide accurate, complete, and truthful personal information and documents requested (ID, proof of address, supporting documents, etc.).
(b) Provide timely responses and approvals. If Client does not respond within 10 business days, Company may pause services until Client responds.
(c) Maintain current payments on open accounts and avoid excessive new credit applications during the service period.
(d) Review drafts and approve dispute submissions. If Client requests Company to submit without review, Client assumes responsibility for the content based on information provided.
Client understands that failure to cooperate may delay results, reduce effectiveness, or lead to termination.
5) AUTHORIZATION
Client authorizes Company and its agents to:
(a) Obtain and review Client’s credit reports where permitted by law and with required written authorizations.
(b) Prepare and send correspondence to credit reporting agencies and/or data furnishers as permitted, based on Client’s information and approvals.
Client agrees to sign any additional authorization forms required by credit reporting agencies or furnishers.
6) NO GUARANTEES / NO RELIANCE ON VERBAL STATEMENTS
Client acknowledges:
(a) Credit repair/dispute outcomes depend on the credit bureaus, furnishers, and Client’s specific file, not Company.
(b) No employee, agent, or representative of Company has made any promise of specific results, deletions, or timelines.
(c) Credit scores may increase, decrease, or remain unchanged during the process.
7) FEES & BILLING (STRUCTURED FOR PERFORMANCE COMPLIANCE)
Client selects one of the following options:
OPTION A – STARTER (INTAKE + AUDIT + STRATEGY) – PERFORMED UPFRONT
Fee: $200
Includes:
This fee covers services that are performed and delivered as described above.
OPTION B – MONTHLY DISPUTE ASSISTANCE (BILLED AFTER DISPUTES ARE SENT)
Monthly Service Fee: $100 per 30-day cycle
Billing Trigger: Company will invoice/charge only AFTER disputes for that cycle are prepared and sent (or otherwise fully performed), with proof of completion (e.g., copies of letters and mailing confirmation).
OPTION C – ONE-TIME DISPUTE ROUND (BILLED AFTER DISPUTES ARE SENT)
Fee: $500
Includes:
One dispute round, billed only after the dispute package is sent/performed
One follow-up consultation
IMPORTANT BILLING RULE:
Company does not charge or collect payment for dispute-sending services until those services are fully performed.
8) REFUNDS
(a) Because services are time-based and customized, fees for services already performed are non-refundable.
(b) If Client cancels within the 3-business-day cancellation period (Section 10), any payment made will be returned as required by law.
(c) If Client initiates a chargeback for services that were performed and delivered, Company may terminate services immediately and pursue amounts owed, including reasonable collection costs.
9) PAUSE, NONPAYMENT, AND TERMINATION
Company may pause or terminate services if:
(a) Client fails to provide required documents or approvals,
(b) Client is abusive, harassing, threatens staff, commits fraud, or
(c) Client disputes charges/initiates chargebacks without first providing Company written notice and a reasonable opportunity to cure.
Either party may terminate with written notice. Upon termination:
10) RIGHT TO CANCEL (3 BUSINESS DAYS) – NOTICE OF CANCELLATION
You may cancel this Agreement without penalty or obligation at any time before midnight of the third business day after the Signature Date by notifying Company in writing.
TO CANCEL, YOU MUST SEND WRITTEN NOTICE TO:
Email: info@diporusa.com
Subject line: “CANCELLATION NOTICE”Include: Your full name, signature date, and a clear statement that you cancel.
If you cancel within this period, any payment made will be returned as required by law.
11) REQUIRED DISCLOSURE (CROA)
Before signing, Client acknowledges receipt of the federally required credit repair disclosure statement and understands:
Client has a right to sue a credit repair organization that violates the Credit Repair Organization Act.
Client may cancel the contract within 3 business days.
Credit bureaus must follow reasonable procedures to assure accuracy, but mistakes may occur.
12) PRIVACY, DATA SECURITY, AND CLIENT ACCOUNTS
(a) Company may collect sensitive personal information (PII) including identifying documents and credit report data.
(b) Company will take reasonable measures to safeguard Client data, but no method of transmission or storage is 100% secure; Client accepts this risk.
(c) Client is strongly advised NOT to share bureau usernames/passwords. If Client chooses to provide logins, Client does so at Client’s own risk and agrees to change passwords after use. Company is not responsible for third-party website security.
13) LIMITATION OF LIABILITY
To the maximum extent permitted by law:
(a) Company’s total liability for any claim shall not exceed the amount Client paid to Company in the 60 days prior to the event giving rise to the claim.
(b) Company is not liable for indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, loss of credit opportunities, loan denial, housing denial, employment decisions, or emotional distress.
(c) Client’s exclusive remedy is limited to the remedies stated in this Agreement.
14) INDEMNIFICATION
Client agrees to indemnify and hold harmless Company from claims, damages, and expenses arising from:
(a) false, misleading, or incomplete information provided by Client,
(b) Client’s misuse of Company materials, or
(c) Client’s violations of law.
15) DISPUTE RESOLUTION; VENUE; ATTORNEY FEES
GOOD-FAITH RESOLUTION FIRST:
Client agrees to notify Company in writing and allow 10 business days to attempt to resolve any dispute before filing any claim.
OPTIONAL MEDIATION:
If unresolved, parties agree to attempt mediation in Cook County, Illinois before proceeding further.
ARBITRATION / COURT (CHOOSE ONE AND DELETE THE OTHER):
[ARBITRATION CLAUSE]Any dispute arising out of or relating to this Agreement shall be resolved by binding arbitration in Cook County, Illinois, and not in court, except for small claims where permitted. The arbitrator may award any relief permitted by law. Class actions are waived to the fullest extent permitted by law.
COURT CLAUSE
Any lawsuit must be filed exclusively in state or federal courts located in Cook County, Illinois. Client consents to jurisdiction and venue there.
ATTORNEY FEES:
The prevailing party in any dispute shall be entitled to reasonable attorney fees and costs where permitted by law.
16) ELECTRONIC COMMUNICATIONS & E-SIGN CONSENT
Client consents to receive communications by email, SMS, and/or electronic signature platforms. Client agrees that electronic signatures are legally binding.
17) FORCE MAJEURE
Company is not liable for delays caused by events beyond its control (postal delays, bureau system outages, disasters, strikes, etc.).
18) ENTIRE AGREEMENT; SEVERABILITY; MODIFICATIONS
This Agreement is the entire agreement and supersedes prior discussions. If any part is unenforceable, the rest remains in effect. Any changes must be in writing and signed by both parties.
CLIENT ACKNOWLEDGEMENT
By signing, Client confirms:
Client has read and understands this Agreement,
Client has received the required disclosure and cancellation rights notice,
Client understands Company provides credit education and dispute assistance, not legal representation,
Client understands no outcome is guaranteed.
