Terms and Conditions
Cancellation Policy
Services are provided on a month-to-month basis and clients may cancel their service at any time at least (3) three days in advance of any upcoming recurring payment
Privacy Policy
Commitment to Your Privacy This site is owned and operated by Quantum Credit Solutions. Your privacy on the Internet is of the utmost importance to us. We understand the importance of making sure that at all times your online experience is safe & satisfying and with Quantum Credit Solutions it’s our top priority to make sure that happens. Please read to understand our policy terms, and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.
Information Quantum Credit Solutions, Gathers and Tracks
Quantum Credit Solutions gathers two types of information about users:
• Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.
• Quantum Credit Solutions gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.
Sharing of Information
Quantum Credit Solutions does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.
Security
Quantum Credit solutions operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.
Usage Tracking
Quantum Credit Solutions tracks user traffic patterns. However, we do not correlate this information with data about individual users. Quantum Credit Solutions breaks down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). Quantum Credit Solutions sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.
Cookies
We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. Quantum Credit Solutions uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.
Your Consent
By using this site, you consent to the collection and use of this information by Quantum Credit Solutions. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.
Public Safety and Legal Process
We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
Refunding Policy
At Quantum Credit Solutions we are passionate about helping people repair bad credit. We do our best to assist Clients with their credit repair needs & we value customer satisfaction! By law we cannot make any verbal or written promise, or guarantee of outcome, score increases, or timing of credit repair services. However, Client’s may request a refund if they believe that Quantum Credit Solutions did not complete the obligations as defined in our Terms and Conditions, or the Client’s signed agreement. Refund of up to 100% of total price may be possible to the Client only if all the below conditions exist:
- If Quantum Credit Solutions DID NOT inform the Client and note in the Client agreement that credit repair can actually cause scores to drop.
- Client has been current on all payments, without any NSF’s, and Client has completed all payments per the agreement.
- Client must be current on all payments to Quantum Credit Solutions, and Client shall have completed all payments per agreement.
- Client must have followed all Quantum Credit Solutions directions based on the credit repair plan (Excessive time spent with clients in any form of communication, or personal meetings will count against the allocated time per plan, and obviously reduce time spent on actual credit repair, therefore client may not get optimal results).
- On existing credit lines at time of signed agreement, and on any newly obtained credit, whether or not per American Credit Management recommendation, Client always made at least the minimum payment due on time per industry suggestion (which was communicated with the Client.)
- Client was never late and always paid minimum balance due on all existing trade lines, or new credit lines acquired during duration of Quantum Credit Solutions agreement.
- Upon signing Credit Miracles agreement client strictly followed at least one of several suggested methods to improve or increase scores as noted in the credit repair plan.
To receive a 100% refund of total money paid to Quantum Credit Solutions, the Client shall request such refund in writing. Quantum Credit Solutions shall review the request to confirm if Client complied with the terms of our Refund Policy which can take 7-10 business days after letter is received. Quantum Credit Solutions shall determine the final refund is due and the decision shall be final.
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