Terms and Conditions
James B Management
Effective Date: December 2025
Website: https://jamesbmanagement.com
Services: Credit Repair, Credit Education, Administrative Support, Client Portal Services
1. Acceptance of Terms
By using this website or enrolling in any service offered by James B Management, the user agrees to these Terms and Conditions. Users who do not agree must discontinue use of the website and services immediately.
2. Company Information
James B Management provides credit repair assistance, credit education, administrative support, dispute processing, and client communication services. The company does not function as a law firm, financial institution, or tax advisory service.
3. Service Description
Services may include:
• Credit report review
• Issue-based dispute preparation
• Document handling and uploading support
• Communication through the client portal
• Educational guidance on credit behavior
Results vary. No specific score change, deletion, or outcome is guaranteed. All results depend on credit bureaus and furnishers.
4. Compliance Notice
All credit repair services follow the Credit Repair Organizations Act (CROA), Telephone Sales Rule (TSR), and E-SIGN requirements.
No fees are billed before service performance.
5. No Legal, Tax, or Financial Advice
Content on the website and in client communication is for education only. Users must consult licensed professionals for legal, tax, lending, or financial advice.
6. User Responsibilities
Users agree to provide accurate personal information, maintain active credit monitoring, respond to document requests, and use the client portal for communication. Users must not submit falsified documents or engage in fraudulent activity.
7. Payment Terms
Fees and billing schedules are provided prior to enrollment. All fees are charged only after services are performed in compliance with CROA. Refunds follow the company’s Refund Policy.
8. No Guarantee of Results
James B Management does not guarantee the removal of any account, the approval of credit applications, or specific score increases.
9. Cancellation Policy
Users may cancel services at any time via written notice. Fees for work already performed remain due. Client portal access may be discontinued after cancellation.
10. Communication Consent
Users agree to receive email, SMS, automated notifications, and phone calls related to their service. Consent may be revoked with written notice.
11. Electronic Documents and Signatures
By enrolling, users agree to receive agreements, disclosures, notices, and signatures electronically as permitted by the E-SIGN Act.
12. Privacy Policy Reference
Personal information is protected under the company’s Privacy Policy. Information is used only for service delivery and compliance. Data is not sold to third parties.
13. Website Content and Intellectual Property
All text, images, logos, and materials on this website belong to James B Management. Users may not copy, duplicate, or redistribute content without permission.
14. Limitation of Liability
James B Management is not responsible for:
• Credit bureau decisions
• Funder or lender decisions
• Actions taken by third parties
• Indirect, incidental, or consequential damages
Use of the website and services is at the user’s own risk.
15. Dispute Resolution
All disputes must be submitted in writing to the company. Both parties agree to resolve disputes through informal negotiation prior to arbitration. Arbitration will follow the governing state indicated in the client agreement.
16. Governing Law
These Terms and Conditions are governed by applicable federal laws and the state laws where the company is legally registered.
17. Updates to Terms
The company may change these Terms at any time. Continued use of the website or services means acceptance of updated Terms.
Privacy Policy
Effective Date: December 2025
James B Management values the privacy of every user and complies with federal and state consumer privacy laws. This Privacy Policy explains how the company collects, uses, stores, and protects personal information.
Information We Collect
We may collect the following information:
• Full name and contact information
• Identification and verification documents
• Credit reports, credit monitoring data, and dispute files
• Billing information
• Website usage and analytics
How We Use Your Information
Information is used to:
• Provide credit repair and educational services
• Prepare dispute letters and credit documentation
• Maintain user accounts and the client portal
• Communicate updates, notices, and service information
• Process billing and payments
• Comply with federal regulations
Information Sharing
We may share data with:
• Credit bureaus
• Furnishers
• Third-party vendors involved in fulfillment
• Legal authorities when required by law
We do not sell or trade personal information.
Data Security
Data is stored securely using encryption and controlled access.
We take reasonable steps to protect your information but cannot guarantee absolute security.
User Rights
Users may request:
• Access to stored information
• Corrections
• Deletion of unnecessary data
• A copy of the current Privacy Policy
Cookies & Website Tracking
The website may use cookies for analytics and experience optimization. Users may disable cookies in browser settings.
Updates
This policy may be updated at any time. Continued use of the website indicates acceptance of updates.
Refund Policy
Service Refunds
James B Management charges fees only after services are performed, as required by the Credit Repair Organizations Act. Refunds are not issued for work that has already been completed.
Refunds may be granted if:
• Services were not performed after payment
• Billing errors occur
• Duplicate charges occur
Non-Refundable Items
• Enrollment fees after work begins
• Monthly service fees for services already performed
• Digital downloads or educational materials after access is granted
Cancellation
Clients may cancel at any time by sending written notice.
Any outstanding balance for work already completed remains due.
CROA DISCLOSURES
(Required by federal law)
Consumer Credit File Rights Under State and Federal Law
You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly.
You have the right to obtain a free credit report every 12 months from each of the three nationwide credit bureaus.
You have the right to add a consumer statement to your credit file.
Credit bureaus are required to investigate your disputes within 30 days.
Accurate information cannot be removed from your credit report.
James B Management cannot:
• Remove accurate and verifiable information
• Promise score increases
• Charge fees before services are performed
You may cancel your contract without penalty at any time.
Changes to This Policy
We may update this Privacy Policy periodically. The “Effective Date” above will reflect the most recent update.
Contact Information:
James B Management
📞 347-495-1947
✉️ [email protected]
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© Copyright James B Management LLC 2025
All Rights Reserved.