FES Protection Plan
Customer | Terms and Conditions

Financial Education Services, Inc. ("FES") is primarily engaged in selling financial education services and products. The term “you” refers to the customer/enrollee.

The FES Protection Plan includes:

  • Credit Restoration - let our dispute process challenge inaccurate, obsolete, and unverifiable items on your credit report
  • Credit Builder - learn the basics of credit and how to maximize and maintain a great credit score
  • Credit Attorney - let our attorneys assist with debt harassment, and legitimate credit report issues
  • Smart Credit - Your interactive credit report, money manager and financial account alert system
  • Lifelock - get peace of mind knowing you're covered with premier identify theft protection
  • FES Debt Zero - eliminate your debt faster with our web-based, interactive, debt payoff program
  • Financial Lockbox - store your financial data in one central online location
  • Life Insurance - all independent contractors of FES are eligible to protect their loved ones with generous term life insurance coverage
  • Discount Shopping - shop at any of our 4,000 participating online retailers and receive cash back
  • YFL Family Mint - award winning on line program designed to educate youth with regard to financial responsibility
  • R/X Discount Card - save 10% - 85% on many generic and brand name medications at more than 60,000 pharmacies nationwide
  • FES Travel - provides travel discounts & vacation planning
  • Health Insurance - compare plan rates and benefits side by side and find out how much you could be saving on health insurance

More detailed information about each of these products can be found at www.fesprotectionplan.com. some of the products in the fes protection plan will require activation, to begin your coverage or service. to activate a service will not require any additional payment, and your account will remain active as long as you are enrolled and are current on your monthly payments.

FES cannot guarantee specific results in regard to any financial product as the results obtained are dependent on a variety of factors, some of which are outside the control of FES.

You understand and authorize Financial Education Services, Inc. (FES) to charge you $89 per month, unless you notify FES of your intent to cancel your enrollment in the FES Protection Plan. Payments will be automatically debited from the payment method provided - credit or debit card or checking account. Failure to make your payment on the established due date will result in suspension/cancellation of all activated programs.

You may cancel this contract within three (3) business days after enrollment and receive a full refund. After three (3) business days, you may be eligible to receive a refund on the current month's payment. No refunds will be issued on past billing cycles, or similar products previously purchased.

FES is an authorized marketing agent for United Credit Education Services ("UCES") with respect to all credit restoration service products, and all independent agents of FES are also authorized to act as agents for UCES. All credit restoration services or products purchased from an Independent Agent of UCES are performed by employees of UCES.

Similarly, FES is an authorized marketing agent for the LifeLock, identity theft protection services, Smart Credit, credit monitoring services, and various other financial services and products provided by other companies which are offered for sale by agents of FES. All such third party financial services and products are provided by their respective principals, not FES (which is acting solely as an agent on behalf of these other companies).

All consumer contracts for credit restoration services, identity theft protection services, credit monitoring services, and any other financial product or service provided by a third party, shall for all purposes hereunder be deemed made between the customer and such third party provider, to which FES is not in privity of contract. The ultimate responsibility for the performance of all third party services belongs to their respective providers, not FES.

The formation, construction, interpretation, and enforceability of this Agreement between you and FES as stated here or in any incorporated documents will be governed by and interpreted in all respects under the laws of the State of Michigan without regard to conflict of law provisions.

All disputes and claims relating to FES, its services, the rights and obligations of an Independent Agent and FES, or any other claims or causes of action relating to the performance of either an Independent Agent or FES under the Agreement or the FES Policies and Procedures shall be settled totally and finally by arbitration as enumerated in the Policies and Procedures in Farmington Hills, Michigan, or such other location as FES prescribes, in accordance with the Federal Arbitration Act and the Commercial Arbitration Rules of the American Arbitration Association. Additionally, you agree not to initiate or participate in any class action proceeding against FES, whether in a judicial or mediation or arbitration proceeding, and you waive all rights to become a member of any certified class in any lawsuit or proceeding. This agreement to arbitrate shall survive any termination or expiration of the Agreement. Nothing in the Agreement shall prevent FES from applying to and obtaining from any court having jurisdiction a writ of attachment, garnishment, temporary injunction, preliminary injunction, permanent injunction or other equitable relief available to safeguard and protect its interest prior to, during or following the filing of any arbitration or other proceeding or pending the rendition of a decision or award in connection with any arbitration or other proceeding.

If any provision of the Agreement is held to be invalid or unenforceable, such provision shall be reformed only to the extent necessary to make it enforceable, and the balance of the Agreement will remain in full force and effect. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together shall constitute one instrument. The provisions of this Agreement, including all documents incorporated herein by reference, embody the whole agreement between you and FES concerning the subject matter of your relationship with FES, and supersedes any prior agreements, understandings and obligations.

Because federal, state, and local laws, as well as the business environment, periodically change, FES reserves the right to amend this Agreement and the prices in its FES Product Price List in its sole and absolute discretion. Notification of amendments shall appear in official FES materials, including but not limited to, posting on the FES website, e-mail distribution, publication in the FES newsletter, products inserts, or any other commercially reasonable method.

MYCARE PLAN

MyCare Plan will provide to you the following: Last Will, Living Trust, Financial Power of Attorney, and Health Care Power of Attorney. Once you have been enrolled, you will be responsible to answer a series of questions that will be used to create your MyCare Plan documents. There is no time limit when completing the MyCare Plan section documents; however, the will and trust and powers of attorney cannot be produced without all of the necessary information.

FES' document preparation service includes a review of your answers for completeness, spelling and grammar, as well as internal consistency of names, addresses and the like. At no time do we review your answers for legal sufficiency, draw legal conclusions, provide legal advice, or apply the law to the facts of your particular situation. Our document preparation service is not a substitute for the advice of an attorney. By using our document preparation service, no attorney-client relationship will be created with FES or any affiliate.

The information and material provided on our Web site is solely for informational purposes and is educational in nature. The law is different from jurisdiction to jurisdiction, and is also subject to interpretation by different courts. Therefore, if you need legal advice for your specific case, or if your specific case is too complex to be addressed by our services, you should consult a licensed attorney in your area.

 
UCES CREDIT RESTORATION
UCES CREDIT RESTORATION
Terms and Conditions of Enrollment

1. United Credit Education Services ("UCES") provides financial education services and products. UCES IS EXEMPT UNDER THE CREDIT REPAIR ORGANIZATION ACT (15 U.S.C. ''1679, et seq.) AS A 501(c)(3) CHARITABLE NONPROFIT ORGANIZATION AND IS NOT A CREDIT REPAIR ORGANIZATION. ALL SERVICES AND PRODUCTS PURCHASED BY A CONSUMER ARE PERFORMED BY EMPLOYEES OF UCES.

UCES promotes the financial wellbeing of individuals through each persons faith in himself or herself to overcome financial adversity, to believe in the empowerment of the individual through faith, and to have the belief that things can and will get better.

2. Applicant agrees to promptly provide UCES with copies of any and all correspondence received from the credit reporting agencies and creditors supplying information to those agencies, which relates to inaccurate credit report entries that are subject to challenge and verification pursuant to this Agreement within fourteen (14) days of receipt thereof. Applicant understands that credit reporting agencies have no obligation to remove accurate, verifiable information unless it is listed beyond that period of time in which it is lawful to report it. Applicant understands UCES cannot guarantee specific results due to the fact that all results obtained are dependent on a variety of factors, some of which are outside the control of UCES, including Applicant's ability to repay creditors, the cooperation of Applicant's creditors, and the credit reporting agencies' ability to verify information provided to them by Applicant.

3. By activating your account, you authorize UCES to obtain your credit reports for the purpose of preparing credit analyzer reports. If you choose to dispute items on your credit report, the credit reporting agencies have no obligation to remove accurate, verifiable information unless it is listed beyond that period of time in which it is lawful to report it. UCES cannot guarantee specific results due to the fact that all results obtained are dependent on a variety of factors, some of which are outside the control of UCES, including your ability to repay creditors, the cooperation of your creditors, and the credit reporting agencies' ability to verify information provided to them.

4. Applicant may cancel his or her enrollment within three (3) business days from the date this Enrollment Agreement is received by UCES. To cancel this enrollment, please send written notice stating your contact information and request for cancellation by fax to: (248) 4790675 or mail to United Credit Education Services, PO Box 130, Farmington, MI 48332. There is no penalty for cancellation. If you cancel within those three (3) business days, you will receive a full refund of the entire payment made to UCES and all obligations between the parties shall be null and void.

5. A $10 fee may be applied to replacement copies of dispute letters.

6. If a dispute arises out of this contract, and if it cannot be settled by the parties, the parties agree first to try to settle the dispute by mediation administered by any mutually agreed upon mediator pursuant to the Commercial Mediation Procedures of the American Arbitration Association ("AAA"). If they do not resolve the dispute within 60 days, then, upon notice by either party to the other, all disputes, claims, questions or differences shall be finally settled by binding unappeasable arbitration administered by any mutually agreed upon arbitrator (or if none can be agreed upon, then by the AAA) pursuant to the Commercial Arbitration Rules of the AAA. In any such proceeding, which must take place in Oakland County, the State of Michigan, each party shall bear their own attorney fees and costs, however, the fees and costs of any neutral mediator or neutral arbitrator shall be paid by UCES. Additionally, Applicant agrees not to initiate or participate in any class action proceeding against UCES, whether in a judicial or mediation or arbitration proceeding, and Applicant waives all rights to become a member of any certified class in any lawsuit or proceeding.

7. For LA Residents ONLY:

DISCLOSURE STATEMENT: Pursuant to section 3573.6 of the Credit Repair Services Organization Act (Act), a buyer entitled to damages from a credit repair organization has the right to proceed against the surety bond obtained by the credit repair services organization under section 3573.4 of the Act. This Disclosure Statement must be provided to the buyer of credit repair services before execution of any contract or agreement or payment of any money or other valuable consideration. Buyer acknowledges receipt of this Disclosure Statement before execution of any contract or agreement or the payment of any money or other valuable other consideration.