Service Agreement

The Approval Path — Service Agreement

Last updated: June 5, 2026 Version: v1.2026.06

This Service Agreement ("Agreement") is entered into between you ("Client") and The Approval Path LLC, a Colorado limited liability company ("we", "us", or "our").

1. Services. We provide credit repair services as that term is defined under the Credit Repair Organizations Act, 15 U.S.C. §1679a(3) ("CROA"), including: review of your credit reports from Equifax, Experian, and TransUnion; identification of items that may be inaccurate, incomplete, or unverifiable; preparation and mailing of compliant dispute letters under the Fair Credit Reporting Act; and tracking of bureau and furnisher responses. The specific services included in your engagement are determined by the plan you select.

2. No outcome guarantee. We do not guarantee any specific score increase or the removal of any specific item from your credit report. Results depend on your individual credit history, the responses of credit bureaus and furnishers, and other factors outside our control. Anyone promising specific outcomes for credit repair is misleading you under federal law.

3. Your rights under CROA.

• You have the right to dispute inaccurate information in your credit

report yourself, free of charge.

• You may obtain a free credit report from each bureau once every 12 months

at AnnualCreditReport.com.

• You have the right to cancel this contract within 3 business days of

signing, without penalty, by sending written notice to admin@theapprovalpath.com.

• We may not perform any services until you have signed this agreement.

4. Payment and refunds. Payment terms and our refund framework are described in our Refund Policy at /legal/refund-policy, which is incorporated into this Agreement by reference.

5. Information you provide. You agree to provide accurate, complete information necessary for us to perform services, including identification documents, proof of address, and authorization for us to communicate with the bureaus and furnishers on your behalf. You may revoke that authorization at any time by writing to us.

6. What we will not do. We will not (a) advise you to make any statement that is untrue or misleading on a credit report or in any communication with a credit bureau; (b) charge for services we have not performed; (c) provide any service that violates CROA or state credit- services-organization laws.

7. Limitation of liability. To the maximum extent permitted by law, our total liability for any claim arising out of this Agreement is limited to the fees you paid us for services. We are not liable for indirect, incidental, or consequential damages.

8. Governing law. This Agreement is governed by the laws of the State of Colorado, without regard to conflict of laws principles.

9. Entire agreement. This Agreement, together with our Refund Policy and Privacy Policy, constitutes the entire agreement between you and us regarding the services.

By signing this Agreement, you acknowledge that you have read it in full, that you understand your rights under CROA, and that you have received a copy via email.