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    Legal Document

    Terms & Conditions

    MESA & CO CONSULTING LLC DBA MESA GROUP CONSULTING

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

    Please read these Terms & Conditions carefully before accessing our website or engaging our services. By using our services, you agree to be bound by these terms.

    Table of Contents

    1
    ACCEPTANCE OF TERMS

    These Terms & Conditions ("Terms," "Agreement") constitute a legally binding agreement between you ("Client," "you," "your") and MESA & CO CONSULTING LLC, doing business as Mesa Group Consulting ("Mesa Group," "Company," "we," "us," "our"), a California limited liability company, governing your access to and use of our website (www.mesagroupconsulting.com) and services.

    By accessing our website, engaging our services, submitting any forms, creating an account, or making a payment, you acknowledge that you have read, understood, and agree to be bound by these Terms, including our Privacy Policy, California Privacy Policy, Cookie Policy, TCPA Consent Policy, Disclaimer, Affiliate Disclosure, Accessibility Statement, Right to Cancel, Consumer Complaint Policy, CROA Disclosure, and Mediation Notice. If you do not agree with any part of these Terms, you must immediately discontinue use of our website and services.

    Legal Entity Information:

    MESA & CO CONSULTING LLC DBA MESA GROUP CONSULTING

    5001 California Ave, Suite 219

    Bakersfield, CA 93309

    Phone: 661-310-3040

    Email: contact@mesagroupconsulting.com

    2
    SERVICES PROVIDED

    Mesa Group Consulting provides the following financial and credit-related services:

    2.1 Credit Repair Services

    Professional credit repair services including:

    • Credit report analysis across all three major credit bureaus (Experian, Equifax, TransUnion)
    • Identification of inaccurate, erroneous, false, or obsolete information on credit reports
    • Preparation and submission of dispute letters to credit bureaus and creditors
    • Creditor and credit bureau negotiations
    • Ongoing credit monitoring and progress tracking through SmartCredit 3-bureau monitoring
    • Credit-building guidance and trade line recommendations
    • Consultation services, coaching, and personalized action plans
    • Consumer education assistance
    • Access to client portal for updates and communication

    2.2 Business Funding Services

    Business funding consultation and facilitation services connecting clients with lending partners offering various financing solutions, including but not limited to:

    • 0% interest financing (through approved partners)
    • Business credit cards and lines of credit
    • Term loans and SBA loans
    • Equipment financing and merchant cash advances
    • Business credit building strategies

    Important: Mesa Group Consulting is not a lender and does not extend credit or make loans. We connect clients with third-party lending partners who make all lending decisions.

    2.3 Credit Monitoring Services

    Partnership-based credit monitoring services through SmartCredit providing:

    • 24/7 credit surveillance across all three major credit bureaus
    • Fraud alerts and identity theft protection
    • Comprehensive credit reports and credit scores
    • Real-time updates on credit changes

    Required for Credit Repair Clients: Credit monitoring is mandatory for Mesa360 Credit Repair clients and must remain active throughout the service period. Failure to maintain active monitoring for more than 30 days will result in termination of credit repair services.

    2.4 DIY Credit Repair Training

    Educational programs and training materials designed to teach clients self-directed credit repair strategies, delivered through our Skool community platform and other educational resources.

    2.5 Financial Consulting Services

    General financial guidance, credit counseling, financial planning consultations, and advisory services related to credit optimization, debt management strategies, debt-to-income (DTI) ratio analysis, financial goal achievement, and credit-building recommendations.

    2.6 Consumer Loan Comparison and Referral Services

    Through partnerships with financial comparison platforms, we provide access to personal loans, auto loan refinancing, student loan refinancing, debt consolidation loans, and credit card comparisons.

    Important: Mesa Group Consulting is not a lender. We provide comparison, education, and referral services only. All lending decisions, terms, rates, and conditions are determined solely by third-party lenders.

    3
    CREDIT REPAIR ORGANIZATIONS ACT (CROA) COMPLIANCE

    Federal Compliance Notice

    Mesa Group Consulting complies with all federal and state laws governing credit repair services, including but not limited to the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and applicable California state regulations.

    3.1 No Advance Fees

    In compliance with CROA, Mesa Group Consulting does not charge or collect any fees from clients for credit repair services before such services have been fully performed. All fees are charged only after services for the applicable billing period have been completed.

    3.2 Right to Cancel

    You have the right to cancel your credit repair services contract at any time within three (3) business days from the date you signed the contract without any penalty or obligation. To cancel, you must provide written notice to Mesa Group Consulting via:

    A standalone Notice of Cancellation form is provided to you at the time of enrollment as a separate document. See our Right to Cancel page for more information.

    3.3 Consumer Attestation Requirement

    Before Mesa Group Consulting submits any disputes on your behalf, you will be required to identify and attest in writing to the specific items appearing on your credit report that you do not recognize, that you believe to be inaccurate, erroneous, false, or obsolete, or that you otherwise have grounds to dispute. This attestation will be documented through a separate Consumer Attestation Exhibit provided as part of your enrollment packet.

    You understand and agree that:

    • You will not direct Mesa Group Consulting to dispute information you know to be accurate
    • You will provide truthful information regarding the items you wish to dispute
    • Mesa Group Consulting relies on your attestation in performing services on your behalf
    • Providing false information for the purpose of disputing accurate information may constitute fraud

    3.4 Consumer Rights Under CROA

    Consumer Credit File Rights Under State and Federal Law

    You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

    You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

    You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.

    You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

    Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

    You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

    If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

    The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

    The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.

    A standalone CROA Disclosure (Consumer Credit File Rights Under State and Federal Law) is provided to you at the time of enrollment as a separate document, in compliance with 15 U.S.C. § 1679c. See our CROA Disclosure page for the full statutory text.

    4
    MESA360 CREDIT REPAIR PROGRAM

    4.1 Program Overview

    The Mesa360 Credit Repair Program includes the following services:

    Initial Services:

    • Professional credit audit across all three credit bureaus (Experian, Equifax, TransUnion)
    • Identification of inaccurate, erroneous, false, or obsolete information
    • Customized action plan with recommended dispute strategies
    • Trade line and credit-building recommendations
    • Initial dispute letter preparation and submission

    Ongoing Monthly Services:

    • Ongoing support for all originally enrolled items
    • Dispute letters for any new or additional items that appear on credit reports while services remain active
    • Credit bureau response review and follow-up disputes
    • Creditor negotiations and correspondence
    • Ongoing consultation and coaching
    • Access to client portal for updates and communication
    • Consumer education assistance (one year free or until profile is 75% complete, whichever comes first)

    4.2 Client Portal and Communication

    All updates and communication on your progress will be provided via your client portal at https://portal.mesagroupconsulting.com/.

    • Clients are required to check the portal at least 2 to 3 times per week
    • Any questions or concerns must be submitted through the client portal, allowing 24 to 72 hours for a response
    • Updates to your file are provided every 35 days after you receive confirmation that dispute letters have been sent

    4.3 Customer Service

    Customer Service Number: 661-310-3040

    Hours of Availability:

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

    4.4 Document Response Obligation

    When Mesa Group Consulting requests documents or information from you in the course of providing services — including identification documents, credit bureau correspondence, creditor letters, notarizations, or signed authorizations — you agree to return the requested documents within twenty-four (24) hours of the request, or as soon as reasonably practicable thereafter.

    Timely document return is essential to the effectiveness of our services. Delays in providing requested documents may slow the dispute process, affect results, and may result in suspension of services. Failure to respond to communications or document requests for thirty (30) consecutive days will result in cancellation of services as described in Section 6.6.

    4.5 Scope of Services

    • Mesa Group will work on all items originally enrolled and any new items that appear during the course of services, provided the client's monthly fee is paid and account is in good standing
    • Client agrees to have consumer documents notarized on their behalf and electronically signed
    • Mesa Group is not responsible for any lawsuits against the client or for offering any legal advice (see Section 9)

    4.6 Applying for New Credit

    The client may apply for new credit during the course of services. However, doing so may slow down the progress of the credit restoration process. Any new accounts or derogatory items that result will still be addressed by Mesa Group as long as the client remains enrolled and in good standing.

    5
    90-DAY MONEY-BACK GUARANTEE

    Mesa Group Consulting stands behind the Mesa360 Credit System. If you meet all client responsibilities for the first 90 days and we do not remove at least one verifiable negative item from your credit report, you may request a refund of monthly service fees paid to Mesa Group during that period, subject to the conditions below.

    5.1 How the Guarantee Works

    Client Responsibilities for Eligibility:

    • Keep SmartCredit 3-bureau monitoring active for the full 90 days (no 30+ day gaps)
    • Stay responsive to your account manager (no 30+ days of silence)
    • Keep your Mesa account current (no invoices 30+ days past due)
    • Avoid adding new late payments, collections, or charge-offs during the 90 days
    • Avoid multiple new hard inquiries during the initial dispute period
    • Follow your account manager's guidance
    • Provide updated credit reports and requested documents within the timeframes specified in Section 4.4

    Mesa Group Commitments:

    • Work to remove at least 1 verifiable negative item within 90 days
    • Provide monthly progress reports and portal access
    • Work your file using established dispute methods

    5.2 What Is Not Covered by This Guarantee

    SmartCredit Monitoring Fees:

    The monthly SmartCredit subscription is a separate third-party service and is not refundable through Mesa Group. SmartCredit has its own cancellation policy.

    Consulting Fee / Credit Audit & Action Plan:

    The one-time enrollment fee is non-refundable, as it covers professional work performed at enrollment.

    New Negative Items Added During Service:

    If you add new late payments, collections, or other new negative items after enrollment, those items are not covered by the removal guarantee. The guarantee applies to items on your report at the time of enrollment.

    Accurate, Timely, and Verifiable Information:

    Federal law (CROA) prohibits us from guaranteeing the removal of accurate information. If bureaus and creditors properly verify that negative items are accurate, complete, and timely, those items may remain on your report.

    Cases Where Client Responsibilities Are Not Met:

    Failure to meet any of the client responsibilities listed in Section 5.1 disqualifies the client from the guarantee.

    5.3 Limitations on the Guarantee

    This guarantee applies only to monthly service fees paid directly to Mesa Group Consulting. It does not constitute a guarantee of any specific credit score change, approval for credit products, or any other outcome. Results vary based on individual circumstances. Prior results obtained for other clients do not predict, warrant, or guarantee a similar outcome for you.

    To request a refund under this guarantee, you must submit a written request to compliance@mesagroupconsulting.com within thirty (30) days of the end of the 90-day period.

    6
    CLIENT RESPONSIBILITIES

    6.1 Account Security

    You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or use of your account.

    6.2 Accurate Information

    You agree to provide true, accurate, current, and complete information when creating an account, submitting forms, or engaging our services. You agree to promptly update any information that becomes inaccurate or incomplete. Failure to provide accurate information may result in suspension or termination of services.

    6.3 Compliance with Laws

    You agree to use our services in compliance with all applicable federal, state, and local laws and regulations. You will not use our services for any unlawful purpose or in any manner that violates these Terms.

    6.4 Cooperation and Document Response

    You agree to cooperate fully with Mesa Group Consulting in the provision of services, including:

    • Returning requested documents within twenty-four (24) hours of the request, or as soon as reasonably practicable thereafter (see Section 4.4)
    • Providing necessary documentation (credit reports, creditor correspondence, identification documents)
    • Reviewing communications and following recommended actions promptly
    • Checking your client portal at least 2-3 times per week
    • Responding to account manager inquiries

    Failure to cooperate may impact the effectiveness of our services and our ability to achieve results.

    6.5 Credit Monitoring Requirement (Credit Repair Clients)

    Credit repair clients must maintain active SmartCredit 3-bureau credit monitoring throughout the duration of services. Failure to keep active monitoring for more than 30 days will result in termination of credit repair services.

    6.6 Responsiveness

    If a client becomes unresponsive for 30 consecutive days, Mesa Group reserves the right to cancel the client's account. If a client invoice remains unpaid for more than 30 days, services will be automatically cancelled.

    6.7 No Fraudulent Activity

    You agree not to provide false or misleading information to Mesa Group Consulting, credit bureaus, creditors, or any third parties. You acknowledge that providing false information or attempting to create a fraudulent credit identity is illegal and grounds for immediate termination of services. Mesa Group Consulting will not dispute information that you know to be accurate.

    7
    FEES, PAYMENT, AND REFUNDS

    7.1 Service Fees

    Fees for services are specified in your individual service agreement, in the Fee Disclosure Exhibit provided at enrollment, or on our website pricing pages. All fees are in U.S. dollars and exclude applicable taxes.

    7.2 Credit Repair Services Fee Structure

    Consulting Fee / Credit Audit & Action Plan:

    A one-time enrollment fee due at the time of signing covering professional consulting services, including a detailed credit audit and preparation of a customized action plan. This enrollment fee is non-refundable as it compensates for professional work performed at enrollment.

    Monthly Credit Repair Services:

    Beginning 30 days after enrollment, credit repair services are billed monthly. Fees are charged in arrears (after services have been performed) in compliance with CROA.

    Credit Monitoring Requirement:

    A monthly fee for SmartCredit 3-bureau credit monitoring is required. This is a separate third-party service billed by SmartCredit, not Mesa Group.

    A complete Fee Disclosure Exhibit is provided to you at enrollment as a separate document showing the timing and amount of each charge.

    7.3 Business Funding Services

    Consultation fees, where applicable, are due at the time of consultation. Mesa Group Consulting may receive compensation from lending partners when clients successfully secure funding, which does not affect the client's cost of services.

    7.4 Credit Monitoring Services

    Billed according to the terms of your subscription agreement with the third-party monitoring service provider (SmartCredit).

    7.5 DIY Training Services

    Fees due at the time of purchase or according to the payment plan selected.

    7.6 Payment Methods

    We accept payments via credit card, debit card, ACH bank transfer, and other methods as specified during enrollment. By providing payment information, you authorize Mesa Group Consulting to charge the specified payment method for all applicable fees.

    7.7 Late Payments

    Late payments may result in suspension of services until payment is received. Mesa Group Consulting reserves the right to charge a late fee of up to $25 or 5% of the outstanding balance (whichever is less) for payments not received within 10 days of the due date.

    7.8 Refund Policy

    Credit Repair Services:

    • • Subject to the 90-Day Money-Back Guarantee (Section 5)
    • • Consulting Fee is non-refundable
    • • Monthly fees are non-refundable once services have been performed for that billing period

    Other Services:

    Refund requests must be submitted in writing to compliance@mesagroupconsulting.com and are evaluated on a case-by-case basis.

    8
    RESULTS AND DISCLAIMERS

    8.1 No Guaranteed Results

    While Mesa Group Consulting employs established strategies and has assisted numerous clients with credit repair and business funding consultation, we cannot and do not guarantee specific outcomes, including but not limited to:

    • •Specific credit score increases or improvements
    • •Removal of any particular negative item
    • •Approval for loans, mortgages, or credit cards
    • •Specific funding amounts for business financing
    • •Timeframes for achieving any results

    Results vary significantly based on individual circumstances, including the nature and accuracy of negative items, creditor and credit bureau responses, client cooperation, and factors outside our control. Prior results obtained for other clients do not predict, warrant, or guarantee a similar outcome for you.

    8.2 No Legal, Tax, or Investment Advice

    Mesa Group Consulting provides financial consultation and credit-related services but is not a law firm, tax preparation service, or investment advisory firm. Nothing in these Terms or provided through our services constitutes legal advice, tax advice, investment advice, or comprehensive financial planning (unless specifically contracted). You should consult with licensed attorneys, CPAs, financial advisors, or other qualified professionals for specialized advice related to your specific situation. See Section 9 for additional information regarding the absence of an attorney-client relationship.

    8.3 Not a Lender

    Mesa Group Consulting is not a lender and does not extend credit or make loans. Our business funding services connect clients with third-party lending partners. All lending decisions, terms, rates, and conditions are determined solely by the lending partners, not by Mesa Group Consulting.

    8.4 Third-Party Services

    Certain services involve partnerships with third-party providers. Mesa Group Consulting is not responsible for the actions, services, terms, or privacy practices of these third parties. See Section 17 for additional disclaimers regarding third-party providers.

    Key Third-Party Partners include:

    SmartCredit, Novae, SuperMoney, Ava Finance, CreditStrong, Self, RentReporters, Rental Kharma, BoomPay, Experian Boost, PolicyGenius, Trust & Will, various life insurance carriers, and various lenders within the SuperMoney network.

    For complete information about our partner relationships, see our Affiliate Disclosure.

    8.5 Credit Bureau Responses

    Credit bureaus and creditors make independent decisions regarding disputes and investigations. Mesa Group Consulting cannot control or influence these decisions. Bureaus may verify negative items as accurate, refuse to investigate, or require additional information, which may affect results.

    9
    NO ATTORNEY-CLIENT RELATIONSHIP

    9.1 Mesa Group Consulting Is Not a Law Firm

    Mesa Group Consulting is a financial consulting and credit repair services company. We are not a law firm, and our employees, agents, and representatives are not attorneys. Engaging our services does not create an attorney-client relationship between you and Mesa Group Consulting.

    9.2 No Legal Advice

    Information, analyses, action plans, dispute letters, and communications provided by Mesa Group Consulting are not legal advice and are not a substitute for advice from a licensed attorney. For specific legal advice regarding your particular circumstances — including questions about debt, bankruptcy, identity theft, litigation, creditor lawsuits, or other legal matters — you must retain qualified legal counsel.

    9.3 No Privilege

    Communications between you and Mesa Group Consulting are not subject to attorney-client privilege. While we maintain the confidentiality of your information in accordance with our Privacy Policy and applicable law (including the Gramm-Leach-Bliley Act), our communications do not carry the same legal protections as communications with a licensed attorney.

    9.4 Recommendation to Consult Counsel

    If at any point during our services you believe you need legal representation — for example, if a creditor has filed suit against you, if you are considering bankruptcy, or if you suspect you are a victim of identity theft requiring legal action — we recommend you consult with a qualified attorney licensed in your state.

    10
    DESIGNATED COMPLIANCE DEPARTMENT

    10.1 Compliance Department

    Mesa Group Consulting maintains a designated Compliance Department responsible for:

    • Receiving and responding to consumer complaints
    • Overseeing regulatory compliance with federal and state laws governing credit repair services, including the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR)
    • Reviewing marketing communications, sales materials, and consumer-facing content for compliance
    • Maintaining records required under applicable law
    • Coordinating with regulators, the Better Business Bureau, and other oversight bodies as needed

    10.2 How to Contact the Compliance Department

    You may contact the Compliance Department through any of the following methods:

    10.3 Consumer Complaint Process

    Mesa Group Consulting maintains a formal Consumer Complaint Policy describing how to submit a complaint, what to expect during review, and our response timeline. See Section 24 for an overview of the complaint process. The full Consumer Complaint Policy is available on our website and is provided to clients at enrollment.

    11
    INTELLECTUAL PROPERTY RIGHTS

    11.1 Ownership

    All content, materials, features, functionality, software, designs, graphics, text, logos, images, trademarks, service marks, and other intellectual property available through our website and services are owned by Mesa Group Consulting or our licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

    Trademarks include:

    • • Mesa Group Consulting™
    • • Mesa360 Credit System™
    • • Mesa Financiera™
    • • Creditly™
    • • Chaklo Credit™

    11.2 Limited License

    Subject to your compliance with these Terms, Mesa Group Consulting grants you a limited, non-exclusive, non-transferable, revocable license to access and use our website and services for personal, non-commercial purposes.

    11.3 Restrictions

    You may not:

    • Modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any Content without express written permission
    • Remove or alter any copyright, trademark, or other proprietary notices
    • Use our name, trademarks, or logos without prior written consent
    • Reverse engineer, decompile, or disassemble any software or technology used in our services
    • Attempt to gain unauthorized access to our systems or networks

    12
    USER CONTENT AND SUBMISSIONS

    12.1 User Content

    You may have the opportunity to submit content, including reviews, testimonials, comments, questions, feedback, or other communications ("User Content"). You retain ownership of your User Content, but by submitting it to Mesa Group Consulting, you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive, transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content.

    12.2 Content Standards

    All User Content must:

    • Be accurate and not misleading
    • Comply with applicable laws and regulations
    • Not infringe any intellectual property rights
    • Not contain defamatory, obscene, offensive, or illegal content
    • Not contain viruses, malware, or other harmful code
    • Not impersonate any person or entity

    12.3 Monitoring and Removal

    Mesa Group Consulting reserves the right (but has no obligation) to monitor, review, edit, or remove User Content that violates these Terms or is otherwise objectionable, without notice and at our sole discretion.

    13
    USE OF WEBSITE AND MATERIALS

    Mesa Group Consulting provides the website and the materials available on it for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the website. Any other use of the website or materials is strictly prohibited.

    You may not, either directly or indirectly:

    • Modify, republish, redistribute, delete, resell, sublicense, publicly perform, or cache by proxy the website or materials without express written permission
    • Use the materials for telemarketing, direct marketing, commercial mass email, or by agents, representatives, or email spammers
    • Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense, or transfer the underlying source code, structure, or sequence of the technology, or delete or alter author attributes or copyright notices
    • Use any network monitoring or discovery software to determine website architecture or extract information about usage or users
    • Reformat or frame any portion of the website or materials
    • Use any device, software, or routine that interferes with the proper working of the website
    • Take any action that imposes, or may impose in our sole discretion, an unreasonable or disproportionately large load on our infrastructure
    • Attempt to gain unauthorized access to other computer systems
    • Violate these Terms, applicable law, or the rights of others
    • Disrupt or interfere with the security of, or otherwise cause harm to, the website

    Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal steps to keep users off the website if we determine they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies.

    14
    AUTOMATED ACTIVITY AND ANTI-SCRAPING

    The website may use robot exclusion methods, including robots.txt files and HTML meta tags, which expressly allow or exclude specified automated programs from accessing certain portions of the website. Much of the information on the website is updated on a real-time basis and is proprietary or licensed to Mesa Group Consulting.

    You agree that you will not use any robot, spider, scraper, or other automated means to access the website for any purpose, including but not limited to performing "offline" searches and mirroring, without our express written permission as indicated in the then-current robots.txt file or HTML meta tags. You agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the website.

    15
    ELECTRONIC NOTICES AND TRANSACTIONS

    You agree to transact with us electronically. This means you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet.

    You also certify that you are at least 18 years of age and have access to the Internet to receive Mesa Group Consulting's services, to view, print, and retain all documentation. You authorize us to send you important notices about the website and any pending transactions to an email address you provide to us.

    It is your duty to keep your email address up to date and to ensure that emails we send you are not filtered or stopped by spam filters or other email blocking functionalities. If you no longer desire to transact electronically with us, you may no longer use the website or Mesa Group Consulting's services.

    You can retrieve and review these Terms at any time by visiting www.mesagroupconsulting.com and may receive paper copies by calling 661-310-3040 or writing to our address above.

    16
    EXPORT CONTROLS

    Mesa Group Consulting's services and website, including the underlying information, software, and technology, are subject to U.S. export controls. None of our services or content may be downloaded, exported, or re-exported:

    • Into (or to a national or resident of) any country subject to U.S. sanctions applicable to the export or re-export of goods, including but not limited to Cuba, North Korea, Iran, Syria, and Russia
    • To anyone on the U.S. Treasury Department's List of Specially Designated Nationals and Blocked Persons List, or the U.S. Commerce Department's Denied Persons List, Unverified List, Entity List, or Nonproliferation Sanctions List

    By using our services and website, you agree to the foregoing and represent and warrant that you are not located in, under the control of, or a national or resident of any such country, and that you are not on any such list. You acknowledge that you are responsible for obtaining any necessary U.S. government authorization to ensure compliance with U.S. law.

    17
    PROVIDER SERVICES AND THIRD-PARTY DISCLAIMER

    Mesa Group Consulting's website and services may allow you to access third-party provider services ("Provider Services"), including but not limited to SmartCredit, Novae, SuperMoney, Ava Finance, CreditStrong, Self, RentReporters, Rental Kharma, BoomPay, Experian Boost, PolicyGenius, Trust & Will, various life insurance carriers, and various lending partners.

    Mesa Group Consulting has no control over the Provider Services or your access to the Provider Services. Mesa Group Consulting does not guarantee the Provider Services and disclaims any and all liability whatsoever for any actions or inactions of Provider Services.

    Neither Mesa Group Consulting nor any of its affiliates, third-party providers, partners, licensors, employees, distributors, or agents is responsible or liable for, or makes any representations or warranties as to:

    • Any representations, promises, recommendations, or inducements made by or through any Provider Service
    • The timeliness, accuracy, reliability, completeness, legality, copyright compliance, or decency of the Provider Services
    • Any inaccuracy, omission, error, or delay in the Provider Services
    • Non-performance of or interruption to the Provider Services
    • Any loss resulting from your access to, use of, or interaction with the Provider Services

    Your use of any Provider Service is governed by that provider's own terms of service and privacy policy. We encourage you to review those terms before using any Provider Service.

    18
    PRIVACY AND DATA PROTECTION

    18.1 Privacy Policy

    Your privacy is important to us. Our collection, use, storage, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the practices described in our Privacy Policy.

    18.2 Confidential Information

    Mesa Group Consulting agrees to maintain the confidentiality of your personal and financial information in accordance with applicable law, including the Gramm-Leach-Bliley Act (GLBA) and California Consumer Privacy Act (CCPA).

    18.3 Credit Bureau Authorization

    By engaging credit repair or credit monitoring services, you authorize Mesa Group Consulting and our designated representatives to obtain your consumer credit reports from one or more credit bureaus for the purposes of providing services. This authorization continues throughout the duration of our service relationship.

    18.4 Third-Party Sharing

    Mesa Group Consulting may share your information with third parties only as necessary to provide services (e.g., credit bureaus, creditors, lending partners) or as required by law. We do not sell your personal information to third parties.

    18.5 Data Security

    We implement industry-standard security measures to protect your information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

    18.6 Recordkeeping

    In compliance with the Telemarketing Sales Rule (TSR) and other applicable regulations, Mesa Group Consulting retains business records for a minimum of five (5) years. Some records may be retained for longer periods (up to seven years) for legal, tax, or operational reasons as described in our Privacy Policy.

    19
    LIMITATION OF LIABILITY

    19.1 Maximum Liability Cap

    TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF MESA GROUP CONSULTING FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR OUR SERVICES, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO MESA GROUP CONSULTING IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY.

    19.2 Exclusion of Consequential Damages

    TO THE MAXIMUM EXTENT PERMITTED BY LAW, MESA GROUP CONSULTING SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

    • •Lost profits, lost revenue, or lost business opportunities
    • •Loss of data or information
    • •Cost of substitute services
    • •Business interruption or work stoppage
    • •Loss of goodwill or reputation
    • •Emotional distress or mental anguish
    • •Denial of loan applications or credit products
    • •Higher interest rates or unfavorable lending terms

    THIS LIMITATION APPLIES REGARDLESS OF WHETHER MESA GROUP CONSULTING HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED.

    19.3 Basis of the Bargain

    You acknowledge and agree that these limitations of liability are fundamental elements of the agreement between you and Mesa Group Consulting. Our fees and service pricing reflect these limitations.

    19.4 Jurisdictional Limitations

    Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by applicable law.

    20
    INDEMNIFICATION

    You agree to indemnify, defend, and hold harmless Mesa Group Consulting, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind (including reasonable attorneys' fees) arising from or relating to:

    • Your use or misuse of our services or website
    • Your breach of these Terms or any representation, warranty, or covenant herein
    • Your violation of any law, regulation, or third-party rights
    • Any false, inaccurate, or misleading information you provide
    • Your User Content or any content you submit
    • Any dispute between you and any third party
    • Any negligent or willful misconduct on your part

    This indemnification obligation will survive termination of these Terms and your use of our services.

    21
    PRE-DISPUTE MEDIATION

    21.1 Good Faith Mediation Required

    Before filing any arbitration demand or initiating any other formal dispute resolution proceeding, you and Mesa Group Consulting agree to attempt in good faith to resolve any dispute through informal mediation conducted via video conference (Zoom or comparable platform).

    21.2 Mediation Procedure

    • Either party may initiate mediation by providing written notice to the other party describing the dispute and requesting mediation
    • The mediation will be scheduled within thirty (30) days of the request, at a mutually agreeable date and time
    • The mediation session will last approximately twenty (20) minutes via video conference
    • Mesa Group Consulting will pay all costs associated with the mediation session, including any third-party mediator fees
    • Each party may appear with or without counsel
    • The mediation will be informal and confidential, and statements made during mediation may not be used in any subsequent proceeding

    21.3 If Mediation Does Not Resolve the Dispute

    If the dispute is not resolved through mediation, either party may proceed to arbitration as described in Section 22. Participation in mediation is a prerequisite to filing arbitration, except where applicable law requires otherwise or where injunctive or equitable relief is sought.

    21.4 Notice Address for Mediation Requests

    Written mediation requests should be sent to:

    Mesa Group Consulting

    Attn: Compliance Department

    5001 California Ave, Suite 219

    Bakersfield, CA 93309

    Email: compliance@mesagroupconsulting.com

    For more information about the mediation process, see our Mediation Notice.

    22
    DISPUTE RESOLUTION AND ARBITRATION

    22.1 Mandatory Arbitration Agreement

    YOU AND MESA GROUP CONSULTING AGREE THAT, FOLLOWING THE MEDIATION PROCESS DESCRIBED IN SECTION 21, ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES (COLLECTIVELY, "DISPUTES") WILL BE SETTLED BY BINDING ARBITRATION, EXCEPT AS PROVIDED BELOW. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING.

    22.2 Arbitration Procedures

    Any Dispute will be resolved through final and binding arbitration administered by JAMS under its Comprehensive Arbitration Rules and Procedures (or its Streamlined Arbitration Rules for claims under $250,000) then in effect, except as modified by this Agreement. The arbitration will be conducted in Kern County, California, or at another mutually agreeable location, unless the parties agree to conduct the arbitration by telephone, video conference, or based solely on written submissions.

    22.3 Arbitration Costs

    Each party will be responsible for paying their own attorneys' fees and costs unless otherwise required by applicable law or the arbitrator's award.

    Mesa Group Consulting will reimburse you up to three hundred dollars ($300.00) of your arbitration filing fee upon request and proof of payment.

    22.4 Individual Arbitration Only

    YOU AND MESA GROUP CONSULTING AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE ACTION OR PROCEEDING. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST MESA GROUP CONSULTING IN A COURT OF LAW, EXCEPT AS PROVIDED BELOW.

    22.5 Exceptions to Arbitration

    The following matters are not subject to arbitration:

    • Individual actions brought in small claims court if the claim qualifies
    • Claims for injunctive or equitable relief in court to prevent infringement of intellectual property rights or unauthorized access to our systems
    • Claims that applicable law prohibits from being submitted to arbitration

    22.6 Opt-Out Right

    You have the right to opt out of this arbitration agreement by sending written notice within thirty (30) days of first accepting these Terms to:

    Mesa Group Consulting

    Attn: Compliance Department

    5001 California Ave, Suite 219

    Bakersfield, CA 93309

    Email: compliance@mesagroupconsulting.com

    22.7 Governing Law

    These Terms and any Disputes will be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles, except that the arbitration provisions are governed by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.). If arbitration does not apply for any reason, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Kern County, California.

    23
    POWER OF ATTORNEY

    Each engagement is for a single individual only. Mesa Group Consulting does not permit any other person to engage our services on behalf of another individual unless the engaging party holds an appropriate Power of Attorney or other lawful authorization to act on the other person's behalf.

    If you wish to engage our services on behalf of another person, you must:

    • Provide a valid, executed Power of Attorney or comparable legal authorization
    • Provide identification documents for both yourself and the person on whose behalf you are engaging services
    • Acknowledge that you are responsible for ensuring that all communications, decisions, and obligations under these Terms are properly conveyed to and authorized by the person represented

    You are responsible for preventing unauthorized use of your account. If you believe there has been unauthorized use, you should notify Mesa Group Consulting immediately by emailing compliance@mesagroupconsulting.com.

    24
    CONSUMER COMPLAINT PROCESS

    Mesa Group Consulting is committed to addressing consumer concerns promptly and fairly. Our complete Consumer Complaint Policy is available on our website and is provided to clients at enrollment.

    24.1 How to Submit a Complaint

    You may submit a complaint to the Compliance Department through any of the following methods:

    24.2 Response Timeline

    Mesa Group Consulting will acknowledge receipt of your complaint promptly and will provide a substantive response within ten (10) business days. If a complaint requires additional investigation, we will provide you with a status update and an estimated timeline for resolution.

    24.3 Right to External Resolution

    Submitting a complaint to Mesa Group Consulting does not waive your right to pursue external resolution through regulatory bodies, including the Better Business Bureau, the California Department of Consumer Affairs, the Federal Trade Commission, the Consumer Financial Protection Bureau, or other applicable agencies. We encourage you to attempt internal resolution first, as this often produces the fastest outcome.

    25
    TERMINATION

    25.1 Termination by Client

    You may terminate your service agreement at any time by providing written notice to Mesa Group Consulting. Credit repair clients have the right to cancel within three (3) business days without penalty as required by CROA. After the cancellation period, fees for services already rendered are non-refundable unless otherwise specified in your service agreement or covered by the 90-Day Money-Back Guarantee. See our Right to Cancel page for additional information.

    25.2 Termination by Mesa Group

    Mesa Group Consulting reserves the right to suspend or terminate your access to services immediately, without notice, for any reason, including:

    • Breach of these Terms
    • Providing false or misleading information
    • Failure to pay fees when due
    • Non-cooperation or failure to respond to communications (30+ days unresponsive)
    • Failure to maintain required credit monitoring (30+ days inactive)
    • Fraudulent activity or illegal conduct
    • Abusive, threatening, or disrespectful behavior toward staff
    • Any conduct that we determine, in our sole discretion, is harmful to our business or reputation

    25.3 Effect of Termination

    • Your right to access and use our services will immediately cease
    • You remain responsible for all fees incurred prior to termination
    • Sections of these Terms that by their nature should survive termination will continue to apply, including intellectual property rights, disclaimers, limitations of liability, indemnification, dispute resolution, and governing law provisions
    • Mesa Group Consulting will cease all credit repair work on your behalf but is not required to reverse actions already taken

    26
    MISCELLANEOUS PROVISIONS

    26.1 Entire Agreement

    These Terms, together with any service-specific agreements, our Privacy Policy, California Privacy Policy, Cookie Policy, TCPA Consent Policy, Disclaimer, Affiliate Disclosure, Accessibility Statement, Right to Cancel, Consumer Complaint Policy, CROA Disclosure, Mediation Notice, and any other policies referenced herein, constitute the entire agreement between you and Mesa Group Consulting and supersede all prior or contemporaneous communications or understandings.

    26.2 Amendments

    Mesa Group Consulting reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date or by sending notice to the email address associated with your account. Your continued use of our services after changes become effective constitutes acceptance of the modified Terms.

    26.3 Severability

    If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a new provision that most closely reflects the original intention of the parties.

    26.4 Waiver

    No waiver of any provision of these Terms will be deemed a further or continuing waiver. Mesa Group Consulting's failure to enforce any right or provision will not constitute a waiver of that right or provision.

    26.5 Assignment

    You may not assign, transfer, or delegate these Terms without Mesa Group Consulting's prior written consent. Mesa Group Consulting may assign these Terms without restriction.

    26.6 Force Majeure

    Mesa Group Consulting will not be liable for any delay or failure to perform obligations under these Terms due to causes beyond our reasonable control, including but not limited to: acts of God; natural disasters; fire, flood, or earthquake; war, terrorism, or civil unrest; pandemics or public health emergencies; government actions, orders, or restrictions; labor disputes or strikes; failures or interruptions of telecommunications, internet, or power infrastructure; cyberattacks or other security incidents; shortages of transportation, facilities, fuel, energy, labor, or materials; or any other event beyond our reasonable control.

    26.7 Independent Contractors

    Nothing in these Terms creates a partnership, joint venture, agency, employment, or franchise relationship between you and Mesa Group Consulting.

    26.8 No Third-Party Beneficiaries

    These Terms are for the sole benefit of you and Mesa Group Consulting and do not create any third-party beneficiary rights.

    26.9 Headings

    The headings and section titles in these Terms are for convenience only and have no legal or contractual effect.

    26.10 Language

    If these Terms are translated into any language other than English, the English language version will control in the event of any conflict or discrepancy, except as required by applicable law in jurisdictions where translated versions are legally binding.

    27
    CONTACT INFORMATION

    If you have any questions, concerns, or complaints about these Terms or our services, please contact us:

    Mesa Group Consulting — General

    Mailing Address

    5001 California Ave, Suite 219

    Bakersfield, CA 93309

    Compliance Department

    Hours of Operation:

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

    Client Portal:

    https://portal.mesagroupconsulting.com/

    28
    CALIFORNIA-SPECIFIC NOTICES

    28.1 California Residents

    Under California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights information:

    Complaint Assistance:

    The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

    28.2 California Consumer Privacy Act (CCPA)

    California residents have specific rights under the CCPA regarding their personal information. For details on how we collect, use, and protect your information, and your rights under the CCPA, please review our California Privacy Policy.

    28.3 California Credit Services Act

    Under California Civil Code Section 1789.15, you have the right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not exceeding eight dollars ($8). There is no fee if you have been turned down for credit, employment, insurance, or a rental dwelling within the preceding 60 days.

    28.4 Maximum Contract Term

    Pursuant to California law, credit repair service contracts in California may not exceed one hundred eighty (180) days. The Mesa360 Credit Repair Program, when entered into by California residents, is structured as a service term not to exceed 180 days from the date of enrollment.

    If you wish to continue receiving credit repair services beyond the initial 180-day term, you and Mesa Group Consulting may enter into a new written service agreement at that time. No automatic renewal of the initial term will occur for California residents.

    28.5 California Cancellation Rights

    In addition to the federal three (3) business day right to cancel under CROA (Section 3.2), California residents may cancel a credit repair service contract at any time. Upon cancellation, Mesa Group Consulting will cease all work and you will not be charged for services not yet performed. A standalone Notice of Cancellation form is provided at enrollment as a separate document. See our Right to Cancel page for additional information.

    29
    ACKNOWLEDGMENT

    BY ACCESSING OUR WEBSITE, CREATING AN ACCOUNT, ENGAGING OUR SERVICES, OR CLICKING "I AGREE," YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS & CONDITIONS IN THEIR ENTIRETY, INCLUDING THE CREDIT REPAIR SERVICES PROVISIONS, 90-DAY MONEY-BACK GUARANTEE, CLIENT RESPONSIBILITIES, ARBITRATION AGREEMENT, AND ALL INCORPORATED POLICIES.

    IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE OUR WEBSITE OR SERVICES.

    For Credit Repair Clients:

    By enrolling in Mesa Group Consulting's credit repair services, you specifically acknowledge and agree to:

    • The credit repair fee structure (enrollment fee, monthly service fees, and credit monitoring subscription) as detailed in the Fee Disclosure Exhibit
    • The Consumer Attestation requirement before disputes are submitted
    • The requirement to maintain active SmartCredit credit monitoring throughout the service period
    • The 90-Day Money-Back Guarantee terms and conditions
    • Client responsibilities including portal monitoring, 24-hour document response, and cooperation
    • Your rights under CROA, including the right to cancel within 3 business days
    • The pre-dispute mediation and binding arbitration provisions
    • For California residents, the 180-day maximum contract term

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