Terms & Conditions

Terms & Conditions

Payment for services shall be paid to Provident Solutions through automatic payment (ACH) as described in paragraph 9 of this Agreement. Upon notice of cancellation, drafts will continue to be payable until the effective date of cancellation as described in Paragraph 2. If client fails to pay for services within 15 days after the date such payment is due, clients services will be cancelled.

Cancellation Rights

YOU HAVE FIVE DAYS TO CANCEL THIS AGREEMENT. Following those five days, client may also elect to cancel services at any time by contacting Provident Solutions at Contact. The effective date of cancellation shall be the date of Provident Solutions’s receipt of the notice. Services may not be sold, assigned or transferred by Client. Any such attempted sale, assignment or transfer by client shall be null and void.

Refund Policy

You have 5 days to cancel for any reason for a full refund. Thereafter you may cancel at any time for any reason.

Amendment

The Agreement may be amended or modified only by an instrument in writing; however, Provident Solutions or any assignee of the Agreement is authorized to correct patent errors in this Agreement (and in other related documents).

Governing Law

This Agreement is governed by Federal law and the laws of the state of California.

Miscellaneous

Client acknowledges and agrees that while client is a Provident Solutions client, and for a 12-month period after cancellation or termination of Provident Solutions service agreement, Provident Solutions may telephone, FAX, e-mail, and/or send prerecorded messages that are distributed by an automatic dialing service device or predictive dialer. These contacts will be limited to matters involving Client ship in Provident Solutions or to receive information of offers related to new services or products. Client further understands that client may revoke this authorization in writing at any time. The provisions of this Agreement are severable, and if any provision is determined to be illegal or unenforceable, the remaining provisions and any partially enforceable provision shall nevertheless be enforceable. Provident Solutions’s failure to enforce any remedy or provision of this Agreement shall not be construed a waiver of such remedy or provision.

Release, Indemnity, and Privacy

Client agrees to hold Provident Solutions and its officers, directors, employees, and agents harmless from any claim, suit, action or demand arising from Provident Solutions and its officers, directors, employees, and agents have no responsibility for, and client hereby releases and discharges them from, any and all claims, including but not limited to those arising from inaccuracies or omissions of information provided by client. Client acknowledges that Client has read and agreed to the Provident Solutions Privacy Policy, which is available on the Provident Solutions website at http://www.providentsolutions.org and is hereby incorporated by reference into this Agreement.

Arbitration

Any and all claims, disputes or controversies, whether common law, statutory, equitable or otherwise, which arise out of, or are in any way related to, Client’s Provident Solutions service agreement shall be resolved, at the option of either Client or Provident Solutions , by arbitration in accordance with the Provident Solutions Arbitration of Disputes Agreement. Class or collective actions shall not be permitted in arbitration. Client acknowledges that Client has read and agreed to the Provident Solutions Arbitration of Disputes Agreement, which is available on the Provident Solutions website at www.Provident Solutions and is hereby incorporated by reference into this Agreement. IF CLIENT DOES NOT WISH TO BE BOUND BY THE Provident Solutions ARBITRATION OF DISPUTES AGREEMENT, CLIENT MUST NOTIFY Provident Solutions IN WRITING BY MAIL TO Provident Solutions,

Contact

, , and ATTN: ARBITRATION OPT-OUT. CLIENT’S WRITTEN NOTIFICATION TO Provident Solutions MUST INCLUDE CLIENT’S NAME AND ADDRESS AS WELL AS A CLEAR STATEMENT THAT CLIENT DOES NOT WISH TO RESOLVE DISPUTES WITH Provident Solutions THROUGH ARBITRATION. CLIENT’S DECISION TO OPT OUT OF THIS ARBITRATION PROVISION WILL HAVE NO ADVERSE EFFECT ON CLIENT’S RELATIONSHIP WITH Provident Solutions OR THE DELIVERY OF SERVICES, INCLUDING THE CLIENT BENEFITS, TO CLIENT BY Provident Solutions. IF CLIENT HAS PREVIOUSLY NOTIFIED Provident Solutions OF CLIENT’S DECISION TO OPT OUT OF ARBITRATION, CLIENT DOES NOT NEED TO DO SO AGAIN. Exclusive jurisdiction for all such claims, disputes, or controversies for which either of the parties do not opt to resolve by arbitration, and for all other claims, disputes or controversies shall lie with the Federal and State courts in the State of California.

Referrals

Client authorizes Provident Solutions to refer Client to Professional Services Organizations ("PSOs"). Client agrees that as part of such referrals Provident Solutions may forward to such PSOs the personal financial information Client provided to Provident Solutions in Client's Provident Solutions Client ship Application. Client understands that there are many such PSOs and that Client is free to choose any such entity to serve Client. Any fees charged by Provident Solutions are not shared with any such entity. Client also understands that where allowed by law, such PSOs may charge a fee, whether hourly, monthly, or otherwise, that is separate from any fees paid to Provident Solutions. Provident Solutions does not provide investment advice, debt management/credit counseling, mortgage brokerage, legal or insurance services. In particular, Client understands and acknowledges that:

Provident Solutions is not a licensed financial institution or lending agency.

Provident Solutions does not negotiate with Clients' creditors to compromise or work out a payment structure for existing obligations, and Provident Solutions does not accept payments from Clients for creditors.

Clients' relationship(s) with any such PSOs are between Clients and those entities. Provident Solutions is not an agent of any such entity. Provident Solutions may provide certain information to its affiliates to enable Client to receive promotional offers that may be of interest to Client, provided that Client may direct Provident Solutions not to share such information by contacting Provident Solutions at 1 (888) 248-1236 or by writing Provident Solutions at Contact.

Automatic Payment

Provident Solutions Client service fees outlined in paragraph 1 of this Agreement will be paid automatically by electronic fund transfer from Client's checking or savings account. The details with respect to this electronic fund transfer and Client's rights with respect to such transfer are set forth in the Authorization for Electronic Funds Transfer of Provident Solutions Client ship Monthly Service Fees, for which Client has already provided his or her electronic or written consent.

Entire Agreement

This Agreement, including the Authorization for Electronic Funds Transfer of Provident Solutions Client ship Dues Payments, the Arbitration of Disputes Agreement and Provident Solutions Privacy Policy, all of which are incorporated by reference, is the entire understanding between Provident Solutions and Client and supersedes any other written or verbal agreements.