Terms & Conditions

1. Agreement to These Terms

These Terms & Conditions (“Terms”) are a binding agreement between you and Tradeline Associates Inc. (“TLA,” “we,” “us” or “our”). They apply to tradelineassociates.com and its subdomains (the “Site”) and to every product or service you buy from us (the “Services”). By using the Site, submitting a form, checking the agreement box at checkout or paying for a Service, you agree to these Terms and our Privacy Policy.

You must be at least 18 years old and able to enter a binding contract. If you act for a business, you confirm that you are authorized to bind that business. Some Services also require a separate written agreement or order form; if that document conflicts with these Terms, the separate document controls for that Service.

2. About Tradeline Associates

TLA is a business credit and funding consulting firm. We provide credit-building products, business entity products, analysis and consulting services. We are not a bank, lender, credit bureau, law firm, investment adviser or credit counseling agency. We do not make loans or credit decisions, and we do not provide legal advice. Where a Service such as tax preparation is provided, it is limited to the scope stated in that Service’s engagement.

Nothing on the Site or in our communications is legal, tax, accounting or investment advice unless it is expressly provided as part of a paid engagement for that purpose. You should consult your own attorney, CPA or financial professional before making decisions.

3. Important Disclosures

• No guaranteed results. We do not guarantee any credit score, score increase, credit limit, loan or funding approval, funding amount, interest rate, settlement or timeframe. Credit bureaus, lenders, creditors and funders make their own independent decisions.
• Results vary. Examples, case studies or testimonials describe individual experiences and are not typical or promised outcomes.
• Accurate credit information only. We never create, alter or remove accurate information on a credit report. Where we provide credit repair services, they address only items you believe are inaccurate, incomplete or unverifiable, and are provided under a separate written contract that includes the disclosures, your right to cancel within three business days, and the other protections required by the Credit Repair Organizations Act and applicable state law. We do not charge for credit repair services before they are fully performed.
• Honest use only. You agree to provide truthful information and to use our products only for lawful purposes. You will not use any tradeline, shelf company or document from us to misrepresent your identity, ownership, income, business history or creditworthiness to any lender, creditor or government agency.
• Third parties. Some Services are fulfilled with independent partners (for example, tradeline providers, shelf company suppliers and registered agents). Their performance and the reporting practices of credit bureaus are outside our control.

4. Our Services and Products

Service descriptions, inclusions, pricing and delivery estimates appear on the Site or in your order form. In summary:

Authorized user (AU) tradelines

You are added as an authorized user on an existing credit card account held by an independent cardholder. You will not receive a card, account number or any ability to use the account. The listed price includes the tradeline price plus a TLA service charge for processing your order. Tradelines are added for a set reporting period and are then removed. Reporting depends on the card issuer and the credit bureaus; posting dates are estimates.

Business tradeline packages

Packages help a business establish trade or credit accounts that report to business credit bureaus (such as Dun & Bradstreet, Experian Business or Equifax Business). Account approval, credit limits and reporting are determined by the vendors and bureaus. Your business must meet the stated eligibility requirements and keep accounts in good standing.

Aged shelf companies

A shelf company is a previously formed entity, maintained in good standing, whose ownership is transferred to you. Its formation date is not operating history, revenue or credit history. Unless stated in writing, it has no EIN, bank account, assets, revenue or credit file. You are responsible for operating it lawfully, keeping state filings and fees current after transfer, and truthfully disclosing the change of ownership whenever asked. Inventory, availability and pricing can change without notice until your reservation is confirmed.

Funding Readiness Audit (FRA)

The FRA is a paid analysis of your personal and business credit and funding profile, delivered as a written report and recommendations, generally within the timeframe stated on the FRA page after we receive your complete information. It is an assessment only. It is not a loan application, pre-approval or promise of financing.

Funding consulting and business credit building

We help prepare and position your business for funding and may introduce you to third-party funders. Fees are for our consulting and preparation work, not for approval. Any success or performance fee applies only if stated in your written agreement.

Business cash flow recovery and MCA restructuring

We assist businesses in reviewing merchant cash advance obligations and negotiating restructured terms with funders, and we may refer you to independent attorneys. We cannot guarantee that any funder will agree to new terms, stop collection or reduce a balance. You remain responsible for your obligations unless and until a funder agrees otherwise in writing. These Services are for businesses only, not for personal or household debts.

Business tax preparation

Provided under a separate engagement that defines the scope, the documents you must supply and the fees. You are responsible for the accuracy and completeness of the information you provide.

Digital products

eBooks, guides, templates and bundles are licensed to you for your personal or internal business use only. You may not resell, share, copy or publish them. They are educational and are not individualized advice.

5. Orders, Pricing and Payment

• Prices are in U.S. dollars and may change at any time before your order is placed. We may correct pricing or description errors and may cancel an affected order with a full refund of any amount collected.
• Your order is accepted when we confirm it. We may decline or cancel any order, for example if a product is unavailable, information cannot be verified or we suspect fraud. If we cancel before starting work, you receive a full refund.
• Payment is due at the time of order unless your written agreement says otherwise. Online payments are processed by Commas (formerly FanBasis), which acts as merchant of record. The charge on your statement may show the processor’s name, and the processor’s terms also apply to the payment transaction.
• By paying, you confirm that you are authorized to use the payment method.
• Payment plans or financing offered through the processor or its partners are agreements between you and that provider.

6. Your Responsibilities

• Provide complete, accurate and timely information and documents. Delays or errors in your information may delay delivery and do not entitle you to a refund.
• Keep your contact information current and respond to our requests.
• For AU tradelines, make sure your name, date of birth, address and Social Security number exactly match your credit file, and do not apply for new credit in a way that could affect reporting during the posting period.
• Comply with all laws that apply to you and your business.
• Keep any login credentials secure.

7. Refund & Cancellation Policy

Our Services involve immediate work, third-party costs and information that cannot be returned once delivered. For that reason, fees for any Service that has been provided, or that we have started providing, are non-refundable. The rules for each product are below.

How to request a cancellation or refund

Email info@tradelineassociates.com with your name, order number and reason. Approved refunds are returned to the original payment method, usually within 5–10 business days after approval. Duplicate charges or charges made in error are always refunded.

This policy does not limit any non-waivable right you have under applicable law. Where a law requires a cancellation period or refund right for a particular Service, we will honor it.

8. Payment Disputes and Chargebacks

If you have a concern about a charge, please contact us first so we can resolve it quickly. Filing a chargeback for a Service that was delivered as described, or that falls under the non-refundable terms above, is a breach of these Terms. We will respond to the dispute with records of your order, your acceptance of these Terms and our delivery of the Service. We may suspend pending work while a dispute is open and may seek to recover amounts owed through lawful means.

9. Electronic Communications and Text Messages

You agree that we may send agreements, notices and disclosures electronically, and that electronic signatures and checkbox acceptances are binding. By providing your phone number and opting in, you agree to receive calls and text messages from TLA about your inquiry, orders and, if you separately consent, offers. Messages may be sent using automated technology. Consent is not a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP to opt out or HELP for help. See our Privacy Policy for how mobile information is handled.

10. Intellectual Property

The Site, our reports, guides, templates, digital products, branding and content are owned by TLA or its licensors and protected by intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use materials delivered to you for your own personal or internal business purposes. You may not copy, resell, distribute or create derivative works without our written permission.

11. Acceptable Use of the Site

You agree not to: submit false information or another person’s information without authorization; interfere with the Site’s security or operation; scrape or harvest data; upload malicious code; or use the Site for any unlawful, fraudulent or deceptive purpose. We may suspend access for any violation.

12. Broker and Referral Partners

Broker and referral partners are independent contractors, not employees or agents of TLA, and may not make promises or guarantees on our behalf. Partner relationships, compensation and conduct are governed by a separate partner agreement.

13. Third-Party Services and Links

We may rely on or link to third parties, including payment processors, tradeline providers, registered agents, funders, scheduling tools and other websites. We do not control and are not responsible for their content, policies or performance.

14. Disclaimer of Warranties

Except as expressly stated in these Terms, the Site and Services are provided “as is” and “as available.” To the fullest extent permitted by law, TLA disclaims all other warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty regarding credit scores, credit reporting, approvals or funding outcomes.

15. Limitation of Liability

To the fullest extent permitted by law, TLA and its officers, employees and partners will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost funding opportunities or credit decisions made by third parties. Our total liability for any claim relating to the Site or Services will not exceed the amount you paid to TLA for the specific Service giving rise to the claim.

Some jurisdictions do not allow certain limitations, so some of these limits may not apply to you.

16. Indemnification

You agree to defend and indemnify TLA against claims, losses and expenses (including reasonable attorneys’ fees) arising from information you provided that was false or incomplete, your misuse of any product or Service, or your violation of these Terms or the law.

17. Governing Law

These Terms are governed by the laws of the State of Wyoming and applicable federal law, without regard to conflict-of-law rules.

18. Dispute Resolution, Arbitration and Class Action Waiver

Informal resolution first. Before starting any claim, you agree to contact us at info@tradelineassociates.com and give us 30 days to try to resolve it.

Binding arbitration. Any dispute that is not resolved informally will be decided by binding individual arbitration administered by the American Arbitration Association under its applicable rules, rather than in court. Arbitration may be conducted by video or in the county where you live or do business. Either party may instead bring an individual claim in small claims court if it qualifies.

Class action waiver: you and TLA each agree to bring claims only in an individual capacity, not as a plaintiff or class member in any class, collective or representative proceeding.

Opt-out. You may opt out of this arbitration agreement by emailing us within 30 days of first accepting these Terms with your name and a statement that you opt out.

19. General Terms

• Changes. We may update these Terms; the “Last updated” date shows the latest version. The Terms in effect when you place an order apply to that order.
• Entire agreement. These Terms, the Privacy Policy and any written order form or engagement are the entire agreement about their subject.
• Severability. If any part is found unenforceable, the rest remains in effect.
• No waiver. Our failure to enforce a provision is not a waiver.
• Assignment. You may not assign these Terms without our consent; we may assign them in connection with a business transfer.
• Force majeure. We are not responsible for delays caused by events beyond our reasonable control, including actions or delays by credit bureaus, card issuers, government agencies or partners.