CredFin, Inc.
Client Service Agreement

CredFin, Inc. provides business credit advisory coaching, fundability improvement services, lender matching, and related educational services to small and mid-size business owners (collectively, the "Services"). By completing enrollment and making payment, Client enters into this legally binding Client Service Agreement ("Agreement") and agrees to all terms herein.

Client acknowledges they have read, understood, and voluntarily accepted this Agreement before payment is processed.

As used in this Agreement:

• "Agreement" means this Client Service Agreement and any order confirmation, payment receipt, or addendum incorporated herein.
• "Client" means the business owner, authorized representative, or entity who enrolls in a CredFin program.
• "Contract Start Date" means the date payment (or the first installment) is received and confirmed by CredFin.
• "Service Period" means the period during which CredFin is obligated to perform Services, as specified per package in Section 4.
• "Transaction Price" means the total consideration paid or payable by Client under the selected package.
• "Performance Obligation" means each distinct service commitment by CredFin, as enumerated in Section 5.
• "Platform" means the CredFin AI Funding Platform and any proprietary software or dashboard provided to Client.
• "Lender Match" means CredFin's introduction or referral of Client to one or more lenders in CredFin's network.
• "Funding Roadmap" means a written or digital personalized capital strategy prepared for Client.
• "Coaching" means live advisory sessions, Q&A access, and expert support provided by CredFin personnel.

CredFin offers the following enrollment packages. Client's selected package is confirmed in the order confirmation email. All prices are in U.S. dollars.

A comprehensive, fully guided 12-month program. Upon enrollment, CredFin will deliver the following during the 12-month Service Period:

• CredFin AI Funding Platform access for the full 12-month Service Period
• Fundability Fix System: identification and remediation of issues on Client's D&B, Equifax Business, and Experian Business profiles
• Personalized Funding Roadmap delivered within the first 30 days of the Service Period
• Business Credit Development guidance across all three major business credit bureaus using Client's EIN, not SSN
• Lender Match Network access once Client's fundability profile meets eligibility criteria
• Credibility Foundation Builder setup (entity structure, address, phone, licensing, bureau registrations)
• 12 months of Live Coaching & Support — real expert access, not a chatbot or help desk
• Strategic Funding Consultation (one dedicated session within the first 45 days)
• Business Marketplace & Valuation Tools access

Identical scope of services as Section 4.1. Client obtains the same 12-month program through a 12-installment payment arrangement. The aggregate Transaction Price is $2,764. Client's obligation to pay all installments survives regardless of funding outcome. See Section 7 for installment terms.

A self-guided, platform-based program for a 90-day Service Period. CredFin will provide:

• CredFin Platform access for 90 days from the Contract Start Date
• Capital Qualified™ Checklist & Setup Framework (digital delivery at enrollment)
• Business Credit Building Roadmap (digital, self-guided)
• Self-Guided Funding Education Library (on-demand, accessible during Service Period)
• Vendor & Tradeline Resource Directory
• Progress Tracking Dashboard

Live coaching, personalized lender matching, and strategic consultation sessions are not included but may be added through an upgrade to the Empire Accelerator™ package at any time.

CredFin recognizes revenue in accordance with ASC Topic 606, Revenue from Contracts with Customers, and applicable GAAP. The following terms reflect CredFin's accounting policies and are binding contractual commitments.

CredFin allocates the Transaction Price to each distinct performance obligation on a relative standalone selling price basis, consistent with ASC 606-10-32-28 through 32-41. Standalone selling prices are determined by reference to observable prices when available, or estimated using the expected cost-plus-margin method. Allocation methodology is maintained in CredFin's internal revenue accounting records.

• Performance obligations satisfied over time (PO-1, PO-2, PO-5 for Empire Accelerator; PO-1 for DIY) are recognized using the straight-line output method over the Service Period, as Client benefits are received and consumed continuously.
• Performance obligations satisfied at a point in time (PO-3, PO-4, PO-6) are recognized when CredFin has completed the specific deliverable and Client has received the benefit.
• For the Payment Plan, revenue recognition follows the performance obligation schedule above — not the cash receipt schedule. The total contract value of $2,764 is recognized over the Service Period irrespective of installment timing.

No variable consideration (refunds, credits, discounts) is included in the Transaction Price at contract inception except as expressly provided in Section 10 (Refund Policy). Any variable consideration is estimated using the expected value method or most-likely-amount method, constrained to the extent it is probable that a significant revenue reversal will not occur.

The Payment Plan option spans 12 months from initial payment to final installment. In accordance with the practical expedient under ASC 606-10-32-18, CredFin has determined that the payment schedule does not represent a significant financing component, as the period between transfer of services and customer payment does not exceed one year for any individual performance obligation. Accordingly, no adjustment for a financing component is made to the Transaction Price.

Any change to the scope or price of Services (including upgrades from DIY to Empire Accelerator) constitutes a contract modification. Modifications are treated as a separate contract if distinct services are added at standalone selling price, or as a modification of the existing contract otherwise, consistent with ASC 606-10-25-10 through 25-13.

Incremental costs of obtaining a contract (e.g., sales commissions) are capitalized and amortized on the same basis as the related performance obligations if the amortization period would exceed one year, consistent with ASC 340-40. For short-duration contracts where services are delivered within one year, the practical expedient under ASC 340-40-25-4 applies.

Client agrees to:

• Provide accurate, complete, and truthful information about their business, ownership structure, financial history, and credit profile.
• Actively participate in the program and implement CredFin's recommendations in a timely manner.
• Schedule and attend all Strategic Funding Consultation(s) within 5 days of the Contract Start Date; failure to schedule within this window forfeits that session without refund or credit.
• Not misrepresent business information to CredFin, lenders, or any third party.
• Comply with all lender requirements, underwriting criteria, and applicable laws independently.
• Maintain confidentiality of Platform access credentials and not share or resell access.
• Promptly notify CredFin of any material changes to business structure, ownership, or credit profile.

Full payment is due at enrollment. Services commence upon payment confirmation. Returned or disputed payments will result in immediate suspension of access pending resolution.

• The initial payment of $597.00 is due at enrollment.
• Eleven (11) subsequent installments of $197.00 each are due monthly on the same calendar date as the initial payment (or the next business day if that date does not exist in a given month).
• Client authorizes CredFin and/or its payment processor to charge the payment method on file for each installment automatically.
• Missed or failed payments trigger a 5-day cure period. If not cured, CredFin may suspend Services until the account is current. After 15 days of non-payment, CredFin may terminate the Agreement and refer the unpaid balance to collections.
• Client remains obligated for all remaining installments regardless of whether Client has actively used the Services, unless otherwise provided in Section 10.
• Prepayment of the outstanding balance is permitted at any time with no prepayment penalty.

Payments are processed by a third-party payment processor. Client's use of payment services is governed by the processor's separate terms of use. CredFin does not store full payment card data.

• Approval for any loan, line of credit, or other financing
• A specific credit score, PAYDEX score, or fundability score
• A specific funding amount
• Approval by any particular lender
• A specific timeline for credit improvement or loan approval

Funding outcomes depend on Client's individual business profile, credit history, lender underwriting criteria, economic conditions, and other factors outside CredFin's control. CredFin's obligation is to deliver the specific Services enumerated in Sections 4 and 5; it is NOT to secure financing on Client's behalf.

Client acknowledges that past outcomes described in marketing materials are illustrative of prior results and are not guarantees of future performance.

The following are expressly outside the scope of CredFin's Services under this Agreement:

• Legal advice, tax advice, securities advice, or investment advice
• Preparation or filing of loan applications on Client's behalf
• Negotiation of loan terms with lenders
• Repair or removal of items from personal (consumer) credit reports
• Any activity that would constitute the practice of law, regulated credit repair services (15 U.S.C. § 1679 et seq.), mortgage brokering, or securities brokering

If Client requires legal, tax, or licensed financial services, Client should engage qualified licensed professionals independently.

CredFin will honor a full refund if Client requests cancellation within three (3) business days of the Contract Start Date, provided Client has not yet received or accessed: (a) the Platform, (b) the Strategic Funding Consultation, or (c) the Personalized Funding Roadmap. After this 3-day window, or upon delivery of any of the foregoing, no refund will be issued except as required by applicable law.

The same 3-business-day cancellation right applies to the initial payment only. If cancelled within the window, the $597 initial payment is refunded in full and no further installments are due. After the window has passed, Client remains obligated for all remaining installments per Section 7.2. No refund is available after the 3-day window.

Client may request a refund within three (3) business days of the Contract Start Date if the digital content (Checklist, Roadmap, Education Library) has not been accessed. Once digital content has been accessed or the Platform has been used, no refund is available, as the primary deliverables are immediately provided at contract inception.

Refund requests must be submitted in writing to [email protected] within the applicable window. Approved refunds will be processed within 10 business days to the original payment method.

Client agrees to contact CredFin directly before initiating any payment dispute or chargeback with a financial institution. Unilateral chargebacks for non-fraudulent charges constitute a breach of this Agreement and CredFin reserves the right to pursue collection of the full unpaid balance plus reasonable attorneys' fees and costs.

All content, software, tools, methodologies, frameworks (including the Capital Qualified™ system and Fundability Fix System), training materials, templates, dashboards, and branding provided through the Services are the proprietary intellectual property of CredFin, Inc. Client receives a limited, non-exclusive, non-transferable license to access and use such materials solely for Client's own business purposes during the Service Period.

Client may not reproduce, distribute, sublicense, resell, publicly display, or create derivative works from any CredFin materials. Upon expiration or termination of the Service Period, Client's license to Platform access terminates. Client retains ownership of all data and information Client provides to CredFin.

Each party agrees to keep the other party's confidential information (including business plans, financial information, pricing, client lists, and proprietary methodologies) strictly confidential and not to disclose it to any third party without prior written consent, except as required by law or legal process. This obligation survives termination of this Agreement for three (3) years.

CredFin will handle Client's personal and business data in accordance with its Privacy Policy available at credfin.ai/privacy-policy.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the above limitations apply to the maximum extent permitted by law.

Client agrees to indemnify, defend, and hold harmless CredFin, Inc., its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) Client's breach of this Agreement; (b) Client's misrepresentation to CredFin or any lender; (c) Client's violation of any law; or (d) any dispute between Client and a lender to whom Client was introduced.

This Agreement commences on the Contract Start Date and continues for the duration of the applicable Service Period (12 months for Empire Accelerator™; 90 days for DIY), unless earlier terminated.

CredFin may terminate this Agreement immediately upon written notice if: (a) Client breaches any material term and fails to cure within 10 days of written notice; (b) Client provides materially false or fraudulent information; (c) Client engages in abusive, harassing, or threatening conduct toward CredFin personnel; or (d) Client initiates an unauthorized chargeback. Upon such termination, all remaining installment obligations remain due.

Client may terminate this Agreement at any time upon written notice, subject to the refund provisions of Section 10. Termination does not relieve Client of payment obligations for installments already due or for the full remaining balance under the Payment Plan.

Upon termination or expiration, Client's access to the Platform and all CredFin materials will be revoked. Sections 5, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, and 20 survive termination.

Either party may bring an individual claim in small claims court in Miami-Dade County, Florida, if the claim qualifies under the applicable jurisdictional limits.

Before filing for arbitration, the disputing party must provide 30 days' written notice to the other party describing the claim and desired resolution. The parties agree to negotiate in good faith during this period.

Arbitration shall take place in Miami-Dade County, Florida, or remotely by agreement. Filing fees are split equally unless the arbitrator awards otherwise. Each party bears its own attorneys' fees unless a statute provides otherwise or the claim is found to be frivolous.

This Agreement is governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles, except that the Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs all arbitration provisions. For matters outside arbitration (e.g., small claims, injunctive relief), the parties consent to exclusive jurisdiction in the state and federal courts located in Miami-Dade County, Florida.

Client consents to receive all communications from CredFin electronically, including this Agreement, invoices, receipts, account notices, and disclosures. Completion of enrollment and online payment constitutes Client's electronic signature and binding acceptance of this Agreement under the Electronic Signatures in Global and National Commerce Act (E-SIGN, 15 U.S.C. § 7001 et seq.) and the Florida Electronic Signature Act (§ 668.50, Fla. Stat.). Such electronic acceptance has the same legal force and effect as a handwritten signature.

Client may request a paper copy of this Agreement by emailing [email protected].

This Agreement, together with the order confirmation, constitutes the entire agreement between the parties regarding its subject matter and supersedes all prior negotiations, representations, or agreements. No terms on any Client purchase order or other document shall modify this Agreement.

CredFin may amend this Agreement upon 30 days' written notice to Client. Client's continued use of the Services after such notice constitutes acceptance. If Client does not accept the amended terms, Client may terminate per Section 16.3 without penalty on installment obligations only if the amendment materially reduces the Services.

If any provision of this Agreement is found invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

No waiver by CredFin of any right or breach shall constitute a waiver of any subsequent right or breach. Waivers are effective only in writing signed by CredFin.

Client may not assign this Agreement or any rights hereunder without CredFin's prior written consent. CredFin may assign this Agreement in connection with a merger, acquisition, or sale of substantially all of its assets.

Neither party is liable for delay or failure to perform due to causes beyond their reasonable control (e.g., natural disasters, government actions, internet outages, pandemics), provided the affected party gives prompt written notice and uses commercially reasonable efforts to mitigate.

Notices to CredFin must be sent to [email protected] or CredFin, Inc., 1395 Brickell Ave, Ste 800, Miami, FL 33131. Notices to Client are sent to the email address provided at enrollment.

CredFin's Services are provided to businesses and are not "credit repair" services subject to the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), which applies to consumer credit repair. CredFin does not dispute negative items on consumer credit reports and does not represent that negative information can be removed from consumer credit files.

CredFin is not a licensed mortgage broker, loan broker, securities broker-dealer, investment adviser, or bank. The Lender Match service is an educational introduction service only; CredFin does not negotiate loan terms, execute loan agreements, or act as agent for any lender. Clients are encouraged to conduct independent due diligence on any lender and review all loan terms carefully before executing any financing agreement.

Nothing in this Agreement limits any rights Client may have under the Florida Deceptive and Unfair Trade Practices Act (§ 501.201 et seq., Fla. Stat.) or other mandatory consumer protection laws to the extent applicable.

By completing enrollment and submitting payment, Client confirms that they:

1. Have read and understand this Agreement in its entirety;
2. Have had the opportunity to consult with legal counsel before accepting;
3. Are authorized to enter into this Agreement on behalf of their business (if enrolling as a business entity);
4. Agree to be bound by all terms herein;
5. Understand that CredFin does not guarantee funding approval and that results vary;
6. Consent to electronic communications and electronic signature.

By providing a mobile phone number to CredFin, Inc. and agreeing to these Terms, you consent to receive recurring automated and manually dialed SMS and MMS text messages from CredFin, Inc. at the number provided. These messages may include appointment reminders, workshop confirmations, follow-up communications, program updates, and promotional messages related to our Services. Carriers are not liable for delayed or undelivered messages. You must be 18 years of age or older to use this SMS service.

• Message frequency varies based on your activity and program enrollment.
• Message and data rates may apply depending on your mobile carrier and plan.
• To opt out at any time, reply STOP to any text message. You will receive one final confirmation message and no further messages will be sent.
• For help, reply HELP or contact us at [email protected] or (949) 828-4020.
• CredFin, Inc. will not sell, share, or disclose your mobile phone number to third parties for their own marketing purposes.
• Consent to receive SMS messages is not required as a condition of purchasing any product or service.