EFFECTIVE DATE: JULY 2025
THESE TERMS OF USE (“TERMS”) GOVERN YOUR ACCESS AND USE OF WEALTH WIRING FINANCIAL SERVICES LLC, doing business as (“DBA”) PreApproval Path (“COMPANY,” “WE,” “OUR,” OR “US”) WEBSITE, SERVICES, COACHING PROGRAMS, AND DIGITAL CONTENT.

1. ACCEPTANCE OF TERMS

BY USING THIS WEBSITE OR ENROLLING IN OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, PLEASE DO NOT USE OUR SITE OR SERVICES.

2. SERVICES OFFERED

WEALTH WIRING FINANCIAL SERVICES LLC PROVIDES CREDIT EDUCATION, PERSONAL FINANCE COACHING, AND GOAL-BASED ACCOUNTABILITY SUPPORT. WE DO NOT PROVIDE LEGAL OR FINANCIAL ADVICE AND WE DO NOT OFFER DIRECT CREDIT REPAIR SERVICES SUCH AS FILING DISPUTES ON YOUR BEHALF.

3. DISCLAIMER OF RESULTS

WE CANNOT GUARANTEE SPECIFIC OUTCOMES OR CREDIT SCORE IMPROVEMENTS. COACHING IS EDUCATIONAL IN NATURE, AND YOUR RESULTS DEPEND ON YOUR OWN IMPLEMENTATION AND FINANCIAL HABITS.

4. PAYMENTS & CANCELLATIONS

PAYMENT TERMS ARE CLEARLY LISTED AT THE TIME OF BOOKING. NO REFUNDS WILL BE PROVIDED AFTER SERVICES HAVE BEEN RENDERED UNLESS OTHERWISE STATED IN WRITING. YOU MAY CANCEL OR RESCHEDULE APPOINTMENTS BY PROVIDING AT LEAST 24 HOURS' NOTICE.

5. PROHIBITED USES

YOU AGREE NOT TO:

- USE OUR CONTENT FOR UNLAWFUL PURPOSES

- COPY OR REDISTRIBUTE PROPRIETARY MATERIALS WITHOUT PERMISSION

- MISREPRESENT YOUR IDENTITY OR FINANCIAL SITUATION

6. INTELLECTUAL PROPERTY

ALL CONTENT PROVIDED BY WEALTH WIRING FINANCIAL SERVICES LLC—INCLUDING VIDEOS, DOWNLOADS, COURSE MATERIAL, LOGOS, AND WRITTEN CONTENT—IS THE PROPERTY OF WEALTH WIRING FINANCIAL SERVICES LLC AND MAY NOT BE USED OR REPURPOSED WITHOUT WRITTEN CONSENT.

7. LIMITATION OF LIABILITY

WE ARE NOT LIABLE FOR ANY INDIRECT OR CONSEQUENTIAL LOSSES ARISING FROM YOUR USE OF THIS SITE, COACHING PROGRAMS, OR COMMUNICATIONS. YOU USE OUR SERVICES AT YOUR OWN RISK.

8. GOVERNING LAW

THESE TERMS ARE GOVERNED BY THE LAWS OF THE STATE OF NEW JERSEY. ANY DISPUTES WILL BE RESOLVED IN A COURT OF COMPETENT JURISDICTION IN [YOUR COUNTY, STATE].

9. CONTACT US

IF YOU HAVE QUESTIONS ABOUT THESE TERMS OR OUR SERVICES, PLEASE CONTACT:

WEALTH WIRING FINANCIAL SERVICES LLC

PHONE:  856-684-5625

EMAIL: [email protected]

10. COMPLIANCE WITH CROA

WEALTH WIRING FINANCIAL SERVICES LLC IS A COACHING AND EDUCATION PROVIDER. WE DO NOT PROVIDE CREDIT REPAIR SERVICES AS DEFINED UNDER THE CREDIT REPAIR ORGANIZATIONS ACT (CROA). WE DO NOT FILE CREDIT BUREAU DISPUTES OR REMOVE INFORMATION FROM YOUR CREDIT REPORT ON YOUR BEHALF. OUR ROLE IS TO EDUCATE AND SUPPORT CLIENTS IN LEARNING HOW TO TAKE INDEPENDENT ACTION TO IMPROVE THEIR CREDIT PROFILE AND FINANCIAL LITERACY

11. REFUND AND SERVICE COMPLETION TERMS (FOR REMOTE DELIVERY)

BECAUSE SERVICES ARE DELIVERED REMOTELY AND INCLUDE ACCESS TO INTELLECTUAL PROPERTY, SESSION-BASED TIME, AND DIGITAL DELIVERY, ALL SALES ARE FINAL ONCE SERVICE HAS COMMENCED. SERVICE IS CONSIDERED “COMMENCED” UPON THE DELIVERY OF ONBOARDING MATERIALS, SCHEDULING OF A SESSION, OR THE FIRST POINT OF CONTACT FOLLOWING PAYMENT. ANY REFUNDS OR CANCELLATIONS ARE MADE AT THE SOLE DISCRETION OF WEALTH WIRING FINANCIAL SERVICES LLC.

12. NO LEGAL OR FINANCIAL ADVICE

COACHING SERVICES AND CONTENT PROVIDED BY WEALTH WIRING FINANCIAL SERVICES LLC ARE FOR EDUCATIONAL PURPOSES ONLY AND ARE NOT A SUBSTITUTE FOR LEGAL, FINANCIAL, OR ACCOUNTING ADVICE. YOU SHOULD CONSULT WITH A LICENSED ATTORNEY, CPA, OR FINANCIAL ADVISOR BEFORE MAKING ANY CREDIT-RELATED DECISIONS.

13. CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

IN COMPLIANCE WITH THE CREDIT REPAIR ORGANIZATIONS ACT (CROA), WEALTH WIRING FINANCIAL SERVICES LLC PROVIDES THE FOLLOWING NOTICE TO ALL CLIENTS:

YOU HAVE A RIGHT TO DISPUTE INACCURATE INFORMATION IN YOUR CREDIT REPORT BY CONTACTING THE CREDIT BUREAU DIRECTLY. HOWEVER, NEITHER YOU NOR ANY "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 RECEIVING PUBLIC WELFARE ASSISTANCE, OR IF YOU 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.

THIS DISCLOSURE IS PROVIDED FOR COMPLIANCE PURPOSES AND DOES NOT CONSTITUTE LEGAL ADVICE.