ALL SALES FINAL - All sales are final and no refunds will be issued after purchases and / or your instant download link activated. If CPN Programs deems it necessary to cancel your service or is unable to deliver your purchase for no fault of your own; only then will CPN Programs issue a refund. Furthermore; There will be no refund issued for E-books once instant download link has been made available or emailed to purchaser after purchaser has made purchase. By making your purchase you are hear-by agreeing to this disclaimer.
CPN PROGRAMS PERSONAL BUSINESS CONTRACT
AGREEMENT / This Agreement made and entered into by the client and or
broker and between CPN Programs. Referred to as "Company".
I hereby solicit COMPANY and agree to pay a business creation
processing fee to COMPANY as described herein below.
1. This Agreement describes the terms and conditions under which my
application is submitted. I certify that (I am at least 18 years) of
age, and the information (I provided) to COMPANY in order to submit my
application is true and accurate. I understand that my signature at
the end of this contract constitutes my acceptance of these account(s)
in accordance with the statements and conditions listed within this
agreement.
2. I understand that my information will be submitted by COMPANY to a
willing party hereby referred to as "CARD COMPANY" I understand I am
giving COMPANY permission to establish a personal business in my
behalf. I also understand my personal information will be submitted
to the Department of Treasury IRS Division for which i will be
assigned either an ITIN, TIN, EIN, or in some cases a Validated SSN
Number. I understand the Department of Treasury IRS Division will
issue this number to me. I understand and agree the fee paid
to CPN Programs will be the only fee i will need to pay
to CPN Programs for this service. I do understand I may
have additional fees related to the establishment of my personal
business which i may have to pay the the state or county I reside,
choose to do business, or where i may elect to incorporate.
2A. HOLD CPN PROGRAMS HARMLESS AND INTENTION OF LEGAL
INTENT! I understand and acknowledge; that in no way am I engaging or
attempting to engage in FILE SEPARATION, and by signing this
agreement, CPN Programs' ONLY ROLE IS TO HELP ME OPEN A
CREDIT PROFILE NUMBER WHICH WILL BE ATTACHED TO MY DBA FOR WHICH I
PLAN TO USE FOR PERSONAL BUSINESS MATTERS FURTHERMORE, FOR PERSONAL
BUSINESS MATTERS I DO PLAN TO USE CREDIT FOR THESE MATTERS AND IN NO
WAY AM I ATTEMPTING TO CREATE A SITUATION OF FILE SEPARATION, BUT TO USE
MY 'CREDIT PROFILE, DBA' LEGALLY! I AGREE \TO HOLD Asberry Financial
Services HARMLESS; FOR THEY ARE ONLY PROCESSING MY BUSINESS PAPERWORK;
AND SETTING UP MY BUSINESS DBA, UNDER WHICH ALL NECESSITIES APPLY! I
UNDERSTAND (it is a federal crime to make any false statements on a
loan or credit application... A credit repair company may advise you
to do just that, but it is my statement by signing this contract
CPN Programs HAS NEVER INFORMED ME; NOR ADVISED ME; TO
MAKE ANY FALSE STATEMENTS; ON ANY CREDIT; OR LOAN APPLICATION. It is a
federal crime to misrepresent your Social Security number. It also is
a federal crime to obtain an EIN from the IRS under false pretenses.
IT IS MY STATEMENT that I AM SETTING UP A BUSINESS TO PROMOTE MYSELF
AND MY PERSONAL BUSINESS ENDEAVORS, FOR WHICH IS WHY I APPLIED FOR A
DBA AND AN IRS EIN! Furthermore, you could be charged with mail or
wire fraud if you use the mail or the telephone to apply for credit
and provide false information. Worse yet, file segregation likely
would constitute civil fraud under many state laws.) Asberry Financial
Services HAS MADE THIS POINT 'VERY' CLEAR AND IN NO WAY AM I MAKING OR
PLAN TO MAKE ANY FALSE STATEMENTS OR MISREPRESENTATION TO CPN Programs OR ANY PERSPECTIVE CREDITOR. I AGREE TO HOLD
CPN Programs HARMLESS FOR I ONLY USED THEIR SERVICE TO
ASSIST WITH PAPERWORK.
3. CREDIT BUREAU REPORTING: I understand that while most account(s)
are created and setup within 3-6 DAYS I understand the process may
take as long as 14 business days. I understand that in order to
receive a refund I must provide a valid reason and submit it in
writing no later than 3 business days after the start date of this
contract! I understand I will forfeit my right to a refund after the
passing of 3rd business day of the signing of this contract!
Furthermore I understand I will not be eligible for a refund of any
sort after THE DEPARTMENT OF TREASURY IRS DIVISION HAS ISSUED ME MY
CPN NUMBER! I understand at the point i have received my CPN number
from the IRS (which can be in the form of a EIN, ITIN, TIN, or
Validated SSN) I would have at that point received all three
Credit/CPN E-Books Valued at $399.99 and My CPN Number Set Up By
CPN Programs! I UNDERSTAND I WILL NOT BE ENTITLED TO A
REFUND OF ANY SORT FROM CPN Programs OR ANY OF ITS
ASSIGNEES AND ANY CHARGE BACK ATTEMPT WILL BE DENIED; BECAUSE CPN Programs HAS FULFILLED ITS CONTRACT OBLIGATIONS IN FULL AND
HAVE PROVIDED ME PRODUCTS AND SERVICES VALUED WAY BEYOND MY FEE. I UNDERSTAND I AM ONLY ENTITLED TO A FULL REFUND WITHIN (3)
BUSINESS DAY FROM THE START OF THIS CONTRACT.
4. CREDIT REPAIR -VS- BUSINESS FORMATION SERVICES: I understand that I
am entering and signing a contract for business formation or creation
services! I fully understand this is not CREDIT REPAIR! I understand
that from this point I am entering into a service for business
formation AND NOT CREDIT REPAIR!
5. PROMISE TO PAY: I agree to pay a standard processing fee
immediately to COMPANY for business formation fees. WHICH HAS ALREADY
BEEN PAID FOR, FOR THREE CREDIT/CPN E-BOOKS AND 1 IRS ISSUED
VALIDATED CPN NUMBER WHICH CAN BE IN THE FORM OF A EIN, ITIN, TIN OR
VALIDATED SSN NUMBER.
6. RETURNED AND NSF ACH PAYMENTS: In the event that my processing fee
is returned due to insufficient funds, COMPANY may immediately attempt
to collect the full amount by presenting my ACH authorization a second
time to my original banking institution plus NSF fees. Any subsequent
withdrawal attempts by COMPANY will not exceed the original processing
fee or the monthly administration fee. Furthermore, I agree and
understand that if The Company is unable to successfully process my
electronic payment, the full amount of my obligation is not to exceed
the total amount of the processing fees plus any late fees and NSF
charges COMPANY will charge a fee of $25 for every NSF processed.
7. RIGHT TO RESCISSION: I understand that I have the right under
federal law to cancel this contract for any reason without penalty
within 3 business days from the date of this contract, and I
understand that if I choose to exercise that right I will notify
COMPANY in writing within the 3 business days from the date of this
contract.
8. REFUND/ CHARGE BACK/ OR DISPUTE POLICY: In situation were a client
request a refund of payment (AFTER THE PRODUCT IS DELIVERED) an amount
of $0.00 will be refunded to the customer. Pip Gainers; receives
$16.62 after a completed purchase of $100.00, which is the net
proceeds from the sale. Pip Gainers pays merchant fees, Royalty Fees;
for your copies of Credit/CPN E-Books(S), and labor costs associated
with setting up your CPN. Due To The Fact That THREE CREDIT/CPN
E-Books WERE DELIVERED (AT A TRUE COST BEYOND $100.00), AND WE CAN
NOT WITHDRAW OUR SERVICE, OR E-BOOKS WHICH HAVE BEEN DELIVERED; WE ARE
NOTIFYING YOU THAT ALL COMPLETED SALES ARE FINAL.
8A. NOTICE OF MERGING YOUR CPN/ CREDIT FILE: In situation were a
client request a refund of payment (AFTER THE PRODUCT IS DELIVERED) we
will merge your credit file regardless of trade lines, credit repair,
cpn or credit report! We will merge the stated credit file rendering
the trade lines, credit repair, cpn or credit report useless. We have
taken this approach to protect our service and merchants from ABUSE!
We have taken this step to combat those which will make an attempt to
ABUSE our service! Again WE WILL Merge Your File(S) with something
negative in an effort to COMPLETELY MAKE THE FILE NON USABLE OR
PRESENTABLE. If their IS A VALID CLAIM; PLEASE BRING IT TO OUR
ATTENTION; WE HAVE ALWAYS BEEN AVAILABLE TO HELP OUR CLIENTS.
(I/We) hereby authorize CPN Programs who received my
personal credit information from myself; to use it to process the
appropriate applications. It is understood that my signature on this
form will also serve as authorization. This authorization expires 1
year from the date indicated on this contract. Privacy Act Notice:
This information is to be used by 'COMPANY' or its Assignees and will
not be disclosed to outside the agencies except as required and
permitted by law. I understand that ANY abuse made against the service
provider from myself may result in the merging of my CPN file and made
useless! I understand that after service provider has provided all
agreed upon E-Books, CPN, or Trade lines the service provider has
facilitated their duties within this agreement! IT IS MY STATEMENT
THAT I AM NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS;
NOR HAS CPN Programs, A CONSUMER HOLDING TRUST; WHICH IS
OWNED BY A CONSUMER HOLDING TR (A IRREVOCABLE TRUST)
OR ANY AGENT WITHIN CPN Programs WHICH INCLUDES ALL
ENTITIES OF SUCH OWNED BY A CONSUMER HOLDING TR; HAS INSTRUCTED ME;
NOR DO I BELIEVE: A. Representing, expressly or by implication, that
through the use of our products or services, consumers can alter their
identifying information to conceal adverse credit information from
consumers' credit records, credit histories, or credit ratings,
including but not limited to the use of Employer Identification
Numbers ("EINs"), Taxpayer Identification Numbers ("TINs"), or
alternative Social Security Numbers in lieu of the consumers' own
Social Security Numbers; B. Representing that the building of a new
credit record by applying for credit using an EIN, a TIN, or an
alternate social security number instead of a consumer's own social
security number is legal; C. Misrepresenting any material fact
concerning the ability of Defendant's products or services to perform
or provide any credit-related function for consumers, including but
not limited to improving consumers' credit reports or profiles,
consolidating debt, obtaining or arranging a loan, or obtaining or
arranging any extension of credit; and D. Misrepresenting any fact
material to a consumer's decision to purchase Defendant's products or
services. E. Representing, expressly or by implication, that through
the use of our products or services, consumers can alter their
identifying information to conceal adverse credit information from
consumers' credit records, credit histories, or credit ratings,
including but not limited to the use of Dun & Bradstreet Numbers
("DBNs"), Employer Identification Numbers ("EINs"), Taxpayer
Identification Numbers ("TINs"), or alternative Social Security
Numbers in lieu of the consumers' own Social Security Numbers; F.
Representing that the building of a new credit record by applying for
credit using a DBN, EIN, a TIN, or an alternate Social Security Number
instead of a consumer's own Social Security Number is legal; G.
Misrepresenting any material fact concerning the ability of
defendant's products or services to perform or provide any
credit-related function for consumers, including but not limited to
improving consumers' credit reports or profiles, consolidating debt,
obtaining or arranging a loan, or obtaining or arranging any extension
of credit; and H. Misrepresenting any fact material to a consumer's
decision to purchase defendant's products or services. We have found
that its best to operate within the parameters of IRS and Business law
and help consumers understand that Section 404(a)(2) of the Credit
Repair Organizations Act; prohibits all persons from making any
statement, or counseling or advising any consumer to make any
statement, the intended effect of which is to alter the consumer's
identification to prevent the display of the consumer's credit record,
history, or rating for the purpose of concealing adverse information
that is accurate and non-obsolete to any consumer reporting agency as
defined in 15 U.S.C. § 1681(f) or to any person who has extended
credit to the consumer or to whom the consumer has applied or is
applying for an extension of credit. 15 U.S.C. § 1679b(a)(2).
Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair
Organizations Act, 15 U.S.C. § 1679h(b)(1), any violation of any
requirement or prohibition of the Credit Repair Organizations Act
constitutes an unfair and deceptive act or practice in commerce in
violation of Section 5(a) of the FTC Act, 15 U.S.C.§ 45(a).
I also agree to the following User Agreement; in conjunction with
CPN Programs Contract Agreement; and my written contract with
CPN Programs, describes the terms and conditions under
which CPN Programs offers me access to their services.
By using the services of CPN Programs, i agree to the
terms and conditions contained in this User Agreement, as well as
those terms and conditions contained in my written contract with
CPN Programs. I have read and accepted all of the terms
and conditions in, and linked to, this User Agreement and the Privacy
Policy. I have read the User Agreement in its entirety which is
effective as of September 1, 2015, for current users, and upon acceptance
for new users.
Except as otherwise provided for in this User Agreement, you
irrevocably release CPN Programs, its agents, directors,
employees, and officers from all claims, demands and damages,
including but not limited to: actual, consequential, indirect, and
special damages of every kind and nature, known and unknown, arising
out of your use of our services.
Resolution of Disputes If a dispute arises between you and CPN Programs, our goal is to provide you with a neutral and cost
effective means of resolving the dispute quickly. Accordingly, you and
CPN Programs agree that we will resolve any claim or
controversy at law or equity that arises out of this User Agreement or
our services (a "Claim") in accordance with one of the subsections
below or as we and you otherwise agree in writing. Before resorting to
these alternatives, we strongly encourage you to first contact us
directly to resolve the dispute through alternative dispute resolution
procedures, such as mediation or arbitration, as alternatives to
litigation.
Law and Forum for Disputes - This User Agreement shall be governed in
all respects by the laws of the state of Tennessee as they apply to
agreements entered into and to be performed entirely within Tennessee
between Tennessee residents, without regard to conflict of law
provisions. You agree that any claim or dispute you may have against
CPN Programs must be resolved by a court located in the
State of Tennessee except as otherwise agreed to by the parties or as
described in the Arbitration Option paragraph below. You agree to
submit to the personal jurisdiction of the courts located within the
State of Tennessee for the purpose of litigating all such claims or
disputes.
Arbitration Option - For any claim (excluding claims for injunctive or
other equitable relief) where the total amount of the award sought is
less than $15,000, the party requesting relief may elect to resolve
the dispute in a cost effective manner through binding
non-appearance-based arbitration. In the event a party elects
arbitration, that party shall initiate such arbitration through an
established Alternative Dispute Resolution ("ADR") provider mutually
agreed upon by the parties. The ADR provider and the parties must
comply with the following rules: a) the arbitration may be conducted
in person, by telephone, online, and/or be solely based on written
submissions, the specific manner shall be chosen by the party
initiating the arbitration; b) the arbitration does not need to not
involve any personal appearance by the parties or witnesses unless
otherwise mutually agreed to by the parties; and c) any judgment on
the award rendered by the arbitrator may be entered in any court of
competent jurisdiction.
Improperly Filed Claims - All claims you bring against CPN Programs must be resolved in accordance with this Resolution
of Disputes section of this User Agreement. All claims filed or
brought contrary to the Resolution of Disputes section of this User
Agreement shall be considered improperly filed. If you file a claim
contrary to the Resolution of Disputes section of this User Agreement,
then CPN Programs may recover attorneys' fees and costs
incurred by CPN Programs, provided that CPN Programs has notified you in writing of the improperly filed
claim, and you have failed to promptly withdraw the claim.
Amendments CPN Programs reserves the right to amend or
change this User Agreement or any part of this User Agreement. Any
amendment or change is effective when we post that amendment or change
on our web site.
This User Agreement, and any contract signed by you with CPN Programs, set forth the entire understanding and agreement
between the parties with respect to the subject matter hereof. Welcome
to CPN Programs. The following User Agreement, in
conjunction with the Disclosure Agreement and your written contract
with CPN Programs, describes the terms and conditions
under which CPN Programs offers you access to our
services. By using the services of CPN Programs, you
agree to the terms and conditions contained in this User Agreement, as
well as those terms and conditions contained in your written contract
with CPN Programs.
Before you may become a subscriber of cpnprograms.com , you must
read and accept all of the terms and conditions in, and linked to,
this User Agreement and the Privacy Policy. We strongly recommend that
you read this User Agreement in its entirety. This Agreement is
effective as of July 1, 2017, for current users, and upon acceptance
for new users