Dum It Down Credit – Terms & Conditions

Effective Date: [11/9/2025] No Reoccurring Subscription Mentorship Program Policy The Dum It Down Credit Mentorship Program is a six-month educational service focused on financial literacy and credit building. The program fee is $1,000, which is a one-time, non-refundable payment. Enrollment in the mentorship program includes access to personalized support and all relevant educational materials. This is not a subscription service; there are no recurring charges. Educational Materials Policy Start to Finish E-Book: Available for a one-time, non-refundable fee of $100. This e-book provides a comprehensive guide to credit building from start to finish. All-in-One E-Book: Available for a one-time, non-refundable fee of $250. This resource includes three books in one, covering all major aspects of credit education and financial literacy. All educational material purchases are final and non-refundable. No ongoing subscription is required or provided for any e-book product. Pay-As-You-Go Credit Builder Program Dum It Down Credit offers a pay-as-you-go program. Customers are only required to pay if they are satisfied with their results. This program is designed to provide flexibility and confidence in our services, ensuring you only pay for value received. General Terms All fees are clearly stated and non-refundable unless otherwise specified in the pay-as-you-go program. By enrolling in any Dum It Down Credit program or purchasing materials, you agree to these terms and conditions. Programs and materials are for educational purposes only and do not guarantee specific credit outcomes. For questions or concerns, please contact us at Ejames@DumitDownCredit.com Dum It Down Credit Committed to empowering you with knowledge and practical tools for financial success.