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    Legal Document

    Affiliate Disclosure

    MESA & CO CONSULTING LLC, doing business as Mesa Group Consulting

    Effective Date: [TBD — date of publication]
    Last Updated: [TBD — date of publication]

    In compliance with the Federal Trade Commission's 16 CFR Part 255 (Guides Concerning the Use of Endorsements and Testimonials in Advertising), Mesa Group Consulting provides this Affiliate Disclosure to inform you of our financial relationships with third-party partners and the compensation we may receive when you use certain services or products.

    Table of Contents

    1

    What Is Affiliate Marketing?

    Affiliate marketing is a performance-based marketing arrangement in which a company (Mesa Group Consulting) receives compensation from third-party partners when clients enroll in services, purchase products, or complete specific actions (such as signing up for credit monitoring or applying for business funding).

    This is a common and legal practice used by many businesses to generate revenue while connecting clients with valuable services and products.

    2

    Our Affiliate Relationships

    Mesa Group Consulting participates in affiliate marketing programs with the following types of partners:

    2.1 Credit Monitoring Services

    • ●SmartCredit: 3-bureau credit monitoring and reporting services

    When you enroll in SmartCredit through Mesa Group Consulting, we may receive a commission or referral fee.

    2.2 Business Funding Partners

    • ●Novae: Business funding and debt relief services (business and personal)
    • ●Other Lending Partners: Various lenders offering business loans, lines of credit, and financing products

    When you apply for or secure business funding through our referrals, we may receive a commission or referral fee.

    2.3 Consumer Loan and Financial Product Comparison Platforms

    • ●SuperMoney: Financial product comparison platform offering personal loans, auto loan refinancing, student loan refinancing, debt consolidation loans, and credit card comparisons

    When you use SuperMoney through our referral links or secure loans/products, we may receive a commission.

    2.4 Credit Building Services

    • ●Ava Finance: Credit building platform
    • ●CreditStrong: Credit building and installment loans
    • ●Self: Credit builder loans
    • ●RentReporters, Rental Kharma, BoomPay: Rent reporting services
    • ●Experian Boost: Free credit building tool

    When you enroll in credit building services through our recommendations, we may receive a commission or referral fee.

    2.5 Life Insurance Comparison and Carrier Services

    • ●PolicyGenius: Life insurance comparison and referral platform
    • ●Various life insurance carriers: When you apply for or purchase a life insurance policy through Mesa Group Consulting

    When you request quotes, apply for coverage, or purchase a policy through these channels, we may receive a commission.

    2.6 Estate Planning Services

    • ●Trust & Will: Estate planning document platform (Wills, Trusts, Healthcare Directives, Power of Attorney)

    When you create estate planning documents through Trust & Will, we may receive a commission.

    2.7 Debt Relief Services

    • ●Novae and Partner Networks: Debt settlement and negotiation services for credit cards, personal loans, medical bills, and collection accounts

    When you enroll in debt relief programs through our referrals, we may receive a commission.

    2.8 Other Financial Service Providers

    We may have affiliate relationships with additional financial service providers, including credit card issuers, loan providers, mortgage lenders, insurance carriers, and financial education platforms. When you click on affiliate links or enroll in partner services, we may receive compensation.

    3

    How Affiliate Compensation Works

    3.1 Commission Structure

    Mesa Group Consulting may receive compensation in the following ways:

    Pay-Per-Enrollment:

    We receive a commission when you enroll in a partner service (e.g., SmartCredit credit monitoring).

    Pay-Per-Funding:

    We receive a commission when you successfully secure business funding through our lending partners.

    Revenue Share:

    We receive a percentage of revenue generated from clients we refer to partner services.

    Flat Referral Fees:

    We receive a one-time flat fee when you sign up for or use a partner service.

    Recurring Commissions:

    We receive ongoing commissions for as long as you remain enrolled in certain subscription-based services. See Section 5 for our potential conflicts of interest disclosure regarding recurring commissions.

    3.2 Compensation Amounts

    The amount of compensation we receive varies by partner, service, and arrangement. We do not disclose specific compensation amounts because they are confidential and subject to non-disclosure agreements with our partners. We are committed to transparency about the existence of these affiliate relationships, even when specific dollar amounts cannot be shared.

    4

    No Additional Cost to You

    You do not pay more because of our affiliate relationships.

    When you enroll in partner services or products through Mesa Group Consulting:

    • Your cost is the same as if you had signed up directly with the partner
    • We do not mark up prices or charge additional fees due to affiliate relationships
    • The partner pays us from their revenue, not from your wallet

    Example:

    If a partner service has a monthly subscription fee, you pay the same price whether you sign up through Mesa Group or directly with the partner. The partner pays Mesa Group a commission from their revenue. Your cost is the same.

    5

    Potential Conflicts of Interest

    Mesa Group Consulting believes in being upfront about the structural realities of affiliate marketing. While we work hard to recommend services based on value to our clients, the existence of affiliate compensation creates potential conflicts of interest that you should be aware of:

    5.1 Recurring Commissions Create Ongoing Financial Interest

    For services that pay us recurring or subscription-based commissions (such as credit monitoring), Mesa Group Consulting earns money for as long as you remain enrolled. This creates a financial incentive that could, in theory, influence:

    • ●Recommendations to enroll in subscription services rather than one-time alternatives
    • ●Recommendations to remain enrolled longer than necessary
    • ●Selection of partners who pay recurring commissions over those who pay one-time fees

    We work to mitigate this conflict by recommending services based on client need, by disclosing affiliate relationships, and by respecting your right to cancel or change services at any time.

    5.2 Higher-Commission Partners

    Different partners pay different commission rates. We do not select partners or make recommendations based primarily on commission rates, but the rates do exist and could create a structural incentive to favor higher-paying partners. We mitigate this by:

    • ●Maintaining relationships with multiple partners in each service category, so you have choices
    • ●Recommending services based on your specific needs and circumstances
    • ●Disclosing all material affiliate relationships in this Affiliate Disclosure

    5.3 Bundled Service Recommendations

    When you enroll in our credit repair services, we may also recommend complementary services (credit monitoring, credit building tools, etc.) for which we earn affiliate commissions. We recommend these services because we believe they support your credit goals, not because we earn commissions, but you should know that the financial relationships exist.

    5.4 Your Right to Decline

    You are never obligated to use any of our affiliate partners. You may:

    • Choose to enroll directly with partners without going through Mesa Group
    • Choose alternative providers we have no affiliate relationship with
    • Decline to enroll in any partner services at all

    Declining partner services will not affect the quality of credit repair or other services you receive directly from Mesa Group Consulting.

    6

    Our Commitment to Transparency

    Mesa Group Consulting is committed to full transparency regarding our affiliate relationships. We want you to know:

    6.1 We Disclose Affiliate Relationships

    • We clearly disclose when we have an affiliate relationship with a partner
    • This Affiliate Disclosure page is easily accessible on our website
    • We include affiliate disclosures in marketing materials, emails, and communications where appropriate

    6.2 We Recommend Based on Value

    • We only recommend services and products that we believe provide genuine value to our clients
    • Our recommendations are based on quality, reputation, client needs, and suitability, not solely on commission rates
    • We have reviewed our partners and believe the services they provide are reputable

    6.3 We Are Honest About Limitations

    • If a partner service has limitations, downsides, or drawbacks, we disclose them
    • We do not make exaggerated or false claims about partner services to earn commissions
    • We provide balanced, honest assessments of services and products

    6.4 We Respect Your Choices

    • You are never obligated to use our partner services
    • You can choose to sign up directly with partners or explore other options
    • We respect your decision regardless of whether we receive a commission
    7

    Your Trust Is Important to Us

    Mesa Group Consulting's reputation and success depend on your trust. We take our responsibility seriously to:

    • Provide honest, accurate information about services and products
    • Disclose affiliate relationships clearly and prominently
    • Recommend services that genuinely benefit our clients
    • Prioritize client interests over commission earnings
    • Maintain ethical business practices and comply with FTC guidelines

    Our Philosophy:

    We believe that by helping you succeed (improving your credit, securing business funding, building financial health), we earn your trust, loyalty, and referrals, which are far more valuable to us than short-term affiliate commissions.

    8

    Specific Affiliate Partnerships

    Below are details about our key affiliate partnerships:

    8.1 SmartCredit (Credit Monitoring)

    Service:

    3-bureau credit monitoring, credit reports, credit scores, identity theft protection

    Cost to You:

    Subscription-based pricing (subject to SmartCredit's pricing)

    Compensation:

    Mesa Group receives a commission when you enroll in SmartCredit

    Why We Recommend It:

    SmartCredit provides comprehensive 3-bureau monitoring, which is essential for tracking credit repair progress and detecting identity theft.

    8.2 Novae (Business Funding & Debt Relief)

    Service:

    Business funding marketplace and debt relief services (business and personal)

    Cost to You:

    Free to apply; costs vary by lender and loan terms

    Compensation:

    Mesa Group receives a commission when you secure funding or enroll in debt relief services through Novae

    Why We Recommend It:

    Novae provides access to multiple funding options and debt relief solutions tailored to business and personal needs.

    8.3 SuperMoney (Financial Product Comparisons)

    Service:

    Financial product comparison platform (loans, credit cards, banking products)

    Cost to You:

    Free to use; costs vary by product you choose

    Compensation:

    Mesa Group may receive a commission when you use SuperMoney and select financial products

    Why We Recommend It:

    SuperMoney provides transparent comparisons of financial products, helping you make informed decisions.

    8.4 PolicyGenius and Life Insurance Carriers

    Service:

    Life insurance quote comparison (PolicyGenius) and direct policy issuance through various carriers

    Cost to You:

    Free to obtain quotes; policy costs vary by carrier, coverage, and underwriting

    Compensation:

    Mesa Group receives a commission when you apply for or purchase a policy through our channels

    Why We Recommend It:

    Life insurance is a foundational financial protection product, and access to multiple carriers helps you find coverage that fits your needs and budget.

    8.5 Trust & Will (Estate Planning)

    Service:

    Online estate planning documents (Wills, Trusts, Healthcare Directives, Powers of Attorney)

    Cost to You:

    Subscription or per-document pricing (subject to Trust & Will's pricing)

    Compensation:

    Mesa Group receives a commission when you create estate planning documents through Trust & Will

    Why We Recommend It:

    Estate planning is an important component of long-term financial health, and Trust & Will offers an accessible, online-first solution.

    9

    FTC Compliance

    Mesa Group Consulting complies with the Federal Trade Commission's (FTC) guidelines on endorsements, testimonials, and affiliate marketing (16 CFR Part 255).

    9.1 Material Connection Disclosure

    We disclose the "material connection" between Mesa Group Consulting and our affiliate partners. A material connection exists when we receive compensation for recommending or endorsing products or services.

    9.2 Honest and Truthful Representations

    • We do not make false, misleading, or exaggerated claims about affiliate products or services
    • We provide honest assessments based on research, client feedback, and our own experience
    • We do not guarantee results or outcomes for affiliate services unless explicitly stated by the partner

    9.3 Endorsements Reflect Genuine Opinions

    When we endorse or recommend affiliate services, our endorsements reflect:

    • Our genuine beliefs about the quality and value of the services
    • Research and review we have conducted on our partners
    • Client feedback and experience where applicable

    9.4 Clear and Conspicuous Disclosures

    We ensure that affiliate disclosures are:

    • Clear and easy to understand
    • Conspicuous and not hidden in fine print
    • Placed close to any affiliate links, recommendations, or endorsements where reasonably practicable
    10

    Contact Information

    If you have questions about our affiliate relationships, compensation, or this Affiliate Disclosure, please contact us:

    MESA GROUP CONSULTING

    Mailing Address:

    5001 California Ave, Suite 219

    Bakersfield, CA 93309

    Compliance Department

    For questions or complaints regarding affiliate disclosures, FTC compliance, or our partner relationships:

    Mail:

    Mesa Group Consulting, Attn: Compliance Department, 5001 California Ave, Suite 219, Bakersfield, CA 93309

    Hours of Operation

    • ●Monday – Friday: 9:30 AM – 6:30 PM Pacific Time
    • ●Saturday: 10:30 AM – 2:30 PM Pacific Time
    • ●Sunday: Closed

    Changes to This Affiliate Disclosure

    Mesa Group Consulting reserves the right to update this Affiliate Disclosure at any time to reflect changes in our affiliate relationships, compensation structures, or FTC guidelines. When we make changes, we will:

    • Update the "Last Updated" date at the top of this page
    • Post the revised disclosure on our website
    • Notify you via email (if applicable)

    Your continued use of our website or services after changes become effective constitutes acceptance of the revised Affiliate Disclosure.

    Summary

    Mesa Group Consulting participates in affiliate marketing and may receive compensation when you use certain partner services or products. This compensation does not increase your cost, and we are committed to recommending only services we believe provide genuine value.

    We disclose these relationships in compliance with FTC guidelines to maintain transparency and earn your trust.

    For more information on how we use and protect your information, please review:

    © 2026 Mesa Group Consulting. All Rights Reserved.