This Agreement is entered into by and between Legacy Wealth Solutions, a credit and funding division of JB Prestigious Co (“Company”), and the undersigned Credit Repair Specialist (“Specialist”).

1. PURPOSE

This Agreement governs the Specialist’s access to Company-approved credit software and systems for the purpose of enrolling and servicing the Specialist’s own credit repair clients under the Specialist’s independent business.

2. ACCESS & ONBOARDING

  • Specialist may be granted access to the Company’s credit software during a promotional period at no upfront cost.

  • Access does not constitute ownership of the software, systems, data, workflows, or intellectual property.

  • Company reserves the right to approve, deny, suspend, limit, or revoke access at its sole discretion.

3. FEE STRUCTURE

  • Specialist agrees to pay $100 per client that the Specialist personally enrolls into the credit software.

  • No monthly fees. No recurring fees.

  • If no clients are enrolled, no payment is due.

4. CLIENT ACTIVATION & PAYMENT REQUIREMENT

  • All clients entered into the system—whether manually by the Specialist, through self-enrollment, or via a Specialist website—remain inactive until reviewed, approved, and activated by the Company.

  • A $100 per-client activation fee must be paid prior to activation.

  • No client will be assigned, activated, serviced, or disputed until payment has been received.

  • Payment is required per client, without exception.

5. PRICING, CONTRACTS & CLIENT PAYMENTS

  • Specialist retains full control over:

    • Client pricing

    • Client contracts

    • Client payment collection

  • Specialist shall collect all client fees through their own merchant account.

  • Company does not collect payments from Specialist’s clients and is not responsible for Specialist-client financial arrangements, refunds, or disputes.

6. INDEPENDENT CONTRACTOR STATUS

  • Specialist is an independent contractor and is not an employee, agent, partner, or joint venturer of Legacy Wealth Solutions or AC Tax & Wealth.

  • Specialist is solely responsible for their own taxes, licenses, insurance, and business compliance.

  • Nothing in this Agreement creates an employment relationship.

7. REGULATORY COMPLIANCE & LEGAL RESPONSIBILITY

The Specialist is solely responsible for full compliance with all applicable federal, state, and local laws, including but not limited to:

  • Credit Repair Organizations Act (CROA)

  • Fair Credit Reporting Act (FCRA)

  • Federal Trade Commission (FTC) rules and advertising regulations

  • Fair Debt Collection Practices Act (FDCPA), where applicable

  • State credit repair, consumer protection, and trade practice laws

8. FINES, PENALTIES & LIABILITY

  • Any fines, penalties, fees, sanctions, restitution, judgments, damages, investigations, or enforcement actions arising from the Specialist’s conduct are the sole responsibility of the Specialist and their business entity.

  • Under no circumstances shall Legacy Wealth Solutions or AC Tax & Wealth be held liable for any fines, fees, penalties, or legal claims arising from the Specialist’s actions.

  • No fines or liabilities may be passed through to or attributed to the Company.

9. INDEMNIFICATION

The Specialist agrees to defend, indemnify, and hold harmless Legacy Wealth Solutions, AC Tax & Wealth, and their owners, officers, employees, contractors, and affiliates from any claims, losses, fines, penalties, damages, or legal fees arising from:

  • Specialist’s non-compliance with laws

  • Client complaints or disputes

  • Marketing or advertising practices

  • Misrepresentations or omissions

  • Regulatory investigations or enforcement actions

10. MARKETING & BRANDING RESTRICTIONS

  • Specialist may not represent themselves as an employee, agent, or official representative of Legacy Wealth Solutions or AC Tax & Wealth.

  • Use of Company names, logos, branding, or marketing materials requires prior written approval.

  • Specialist may not imply Company guarantees, outcomes, or credit score increases.

11. NON-CIRCUMVENTION & NON-SOLICITATION

  • Specialist agrees not to solicit, divert, or attempt to bypass the Company’s software, systems, vendors, or processes.

  • Specialist may not attempt to access, copy, or recreate Company systems or workflows for competitive use.

12. TERMINATION

  • Either party may terminate this Agreement at any time.

  • Upon termination, Specialist access will be revoked immediately.

  • Outstanding per-client fees remain due for any clients previously enrolled.

13. SURVIVAL

Sections relating to fees, compliance, indemnification, liability, and non-circumvention shall survive termination of this Agreement.

14. ACKNOWLEDGMENT

By signing below, Specialist confirms they have read, understood, and agreed to all terms of this Agreement.

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