TERMS & CONDITIONS BUSINESS & PERSONAL BRILLIANT FINISH FINANCIAL GROUP My Brilliant Finish | Brilliant Finish Financial Group **Effective Date: October 6, 2026 Last Updated: October 6, 2026 These Terms and Conditions (these **“Terms”**) constitute a legally binding agreement governing access to and use of the website, digital properties, content, programs, products and services operated or made available by Business & Personal Brilliant Finish Financial Group, including My Brilliant Finish and Brilliant Finish Financial Group (collectively, **“BFFG,” “Company,” “we,” “us,”** or **“our”**). PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE WEBSITE, SUBMITTING INFORMATION, SCHEDULING A CONSULTATION, REGISTERING FOR A PROGRAM, PURCHASING A PRODUCT OR SERVICE, OR OTHERWISE INTERACTING WITH BFFG THROUGH THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS AND ALL POLICIES EXPRESSLY INCORPORATED HEREIN. If you do not agree to these Terms, you should discontinue use of the Website. --- ## ARTICLE I ## DEFINITIONS; SCOPE; ACCEPTANCE ### Section 1.1 — Defined Terms. For purposes of these Terms: **(a) “BFFG”** means Business & Personal Brilliant Finish Financial Group and, where applicable, its trade names, including My Brilliant Finish and Brilliant Finish Financial Group. **(b) “Client”** means a person or entity that purchases, enrolls in, or enters into an agreement for a BFFG service. **(c) “Content”** means information, text, graphics, videos, recordings, downloads, educational materials, templates, courses, presentations, worksheets, frameworks, methodologies and other materials made available by BFFG. **(d) “Services”** means the educational, consulting, credit education, financial literacy, credit restoration, business, technology and other offerings made available by BFFG. **(e) “User,” “you,”** and **“your”** mean any person accessing or using the Website or interacting with BFFG through the Website. **(f) “Website”** means the BFFG website and any webpages, landing pages, portals or other online properties to which these Terms are posted or linked. ### Section 1.2 — Scope. These Terms govern general use of the Website and BFFG's online offerings. Certain Services may be governed by a separate client agreement, enrollment agreement, statement of work, authorization, disclosure, order form, cancellation notice or other written instrument (each, a **“Service Agreement”**). ### Section 1.3 — Priority of Agreements. If a duly executed Service Agreement conflicts with these Terms concerning the particular Service governed by that Service Agreement, the Service Agreement shall control solely with respect to that conflict, subject always to applicable law. Nothing contained in these Terms or any Service Agreement shall be construed to waive, restrict or eliminate any right or remedy that applicable law does not permit a consumer to waive. --- ## ARTICLE II ## NATURE AND SCOPE OF BFFG SERVICES ### Section 2.1 — General Services. BFFG provides educational, consulting and professional-development offerings that may include Credit Education, Financial Literacy, Credit Restoration, financial-readiness education, business education, business and funding-readiness education, workshops, consultations, assessments, courses, digital resources, business and institutional advisory services, AI integration, automation, digital systems consulting and related offerings. The availability, scope and price of any Service may vary and shall be determined by the applicable offer, enrollment materials or Service Agreement. ### Section 2.2 — Educational Nature of Information. Except where BFFG expressly undertakes a particular obligation in a Service Agreement, general Website Content is provided for educational and informational purposes. A User should not interpret general Website Content as an individualized determination that a particular financial, credit, legal, tax, investment, business or other strategy is appropriate for that User. ### Section 2.3 — No Expansion by Marketing Materials. Descriptions appearing in advertisements, social-media content, presentations, educational materials or other marketing communications shall not expand BFFG's contractual obligations beyond those expressly stated in an applicable Service Agreement. --- ## ARTICLE III ## CREDIT EDUCATION, FINANCIAL LITERACY AND CREDIT RESTORATION ### Section 3.1 — Nature of Credit-Related Services. BFFG's credit-related offerings may include Credit Education, Financial Literacy and Credit Restoration. Such offerings may include education regarding consumer reports, credit scores and scoring factors, payment history, credit utilization, consumer rights, financial habits, debt and budgeting principles, credit readiness, financial readiness and other subjects relating to responsible financial management. ### Section 3.2 — Credit Restoration. Where Credit Restoration is offered, such Services are intended to assist consumers in understanding and, where lawfully appropriate, addressing information that the consumer believes may be inaccurate, incomplete, outdated, unverifiable or otherwise subject to a lawful dispute. Nothing in these Terms constitutes a representation that accurate, current and verifiable adverse information can lawfully be removed merely because the information negatively affects a consumer's credit profile. ### Section 3.3 — Consumer's Independent Rights. Consumers may obtain information concerning their consumer reports and may dispute information they believe to be inaccurate or incomplete directly with applicable consumer reporting agencies without retaining BFFG. Nothing in these Terms is intended to suggest otherwise or to interfere with a consumer's independent statutory rights. ### Section 3.4 — Independent Third Parties. BFFG does not own or control Equifax, Experian, TransUnion or any other independent consumer reporting agency, creditor, lender, debt collector, data furnisher or financial institution. Any such third party remains responsible for its own investigations, reporting, underwriting, determinations and actions. --- ## ARTICLE IV ## NO GUARANTEES; NO PROMISE OF RESULTS ### Section 4.1 — No Credit Guarantee. BFFG MAKES NO REPRESENTATION, WARRANTY, PROMISE OR GUARANTEE THAT A CLIENT'S CREDIT SCORE WILL INCREASE, THAT A SCORE WILL INCREASE BY A PARTICULAR NUMBER OF POINTS, THAT A PARTICULAR CREDIT SCORE WILL BE ACHIEVED, OR THAT ANY RESULT WILL OCCUR WITHIN A PARTICULAR PERIOD. ### Section 4.2 — No Deletion Guarantee. BFFG does not guarantee that any particular tradeline, collection, late payment, inquiry, account, public record or other information will be removed, suppressed, changed or deleted from a consumer report. BFFG does not promise deletion of accurate, current and verifiable adverse information. ### Section 4.3 — No Approval or Funding Guarantee. BFFG does not guarantee approval for any credit card, mortgage, automobile loan, personal loan, lease, line of credit, business financing, grant or other financial product. BFFG further makes no guarantee regarding any particular: **(a)** funding amount; **(b)** credit limit; **(c)** interest rate; **(d)** repayment term; **(e)** lender; **(f)** underwriting determination; or **(g)** approval timeframe. ### Section 4.4 — No Financial or Business Guarantee. BFFG does not guarantee income, revenue, profitability, savings, debt reduction, wealth creation, customer acquisition, business growth, financial independence or any other financial or business outcome. ### Section 4.5 — Factors Beyond BFFG's Control. Results may depend upon numerous factors beyond BFFG's control, including a Client's prior financial history, current credit profile, debt, utilization, payment behavior, income, implementation, information supplied by third parties, lender underwriting standards, consumer reporting agency procedures, market conditions and changes in applicable law. --- ## ARTICLE V ## CONSUMER REPORTING AND LAWFUL CONDUCT ### Section 5.1 — No Consumer Reporting Agency Relationship. BFFG is not a consumer reporting agency and does not generate, own or control consumer credit scoring models. A credit score viewed through one source may differ from a score used by a particular lender or another scoring system. ### Section 5.2 — Truthful Information Required. A Client shall provide information that is truthful and accurate to the best of the Client's knowledge. A Client shall not knowingly request that BFFG submit, facilitate or participate in a statement that the Client knows to be false. ### Section 5.3 — Prohibited Conduct. BFFG does not authorize, endorse or participate in: **(a)** false identity-theft claims; **(b)** fraudulent disputes; **(c)** falsified financial or income documentation; **(d)** misrepresentation of identity or creditworthiness; **(e)** use of another person's Social Security number; **(f)** creation or use of a synthetic identity; **(g)** use of a so-called Credit Privacy Number or “CPN” as an unlawful substitute for a Social Security number; or **(h)** any other activity intended to deceive a creditor, lender, consumer reporting agency, government entity or other person. BFFG reserves the right to refuse or discontinue participation in activity it reasonably believes to be unlawful, fraudulent or materially deceptive. --- ## ARTICLE VI ## FUNDING AND FINANCIAL READINESS ### Section 6.1 — Independent Underwriting. Banks, credit unions, lenders, financing companies and other providers independently determine their underwriting standards. Education concerning financial or funding readiness does not constitute approval, preapproval or a commitment to lend. ### Section 6.2 — No Authority Over Lenders. Unless expressly and accurately disclosed otherwise, BFFG does not act as the underwriting department of an independent lender and cannot compel a lender to approve an application, extend credit or offer particular terms. ### Section 6.3 — Client Decisions. A Client is solely responsible for determining whether to apply for, accept or decline a financial product and for reviewing all rates, fees, repayment terms, collateral requirements and contractual obligations before accepting financing. --- ## ARTICLE VII ## PROFESSIONAL ADVICE LIMITATIONS ### Section 7.1 — No Legal Advice. Unless expressly provided pursuant to a separate engagement by an appropriately licensed attorney, BFFG does not provide legal advice or legal representation. ### Section 7.2 — No Tax or Accounting Advice. Unless expressly provided pursuant to a separate engagement by an appropriately qualified professional, BFFG does not provide individualized tax or accounting advice. ### Section 7.3 — No Investment, Securities or Insurance Advice. Unless expressly provided pursuant to an appropriately licensed relationship, BFFG does not provide individualized investment, securities or insurance advice. ### Section 7.4 — Professional Consultation. Users should consult appropriately licensed or qualified professionals concerning matters requiring specialized professional advice. --- ## ARTICLE VIII ## CLIENT RESPONSIBILITIES ### Section 8.1 — Cooperation. A Client shall provide information reasonably necessary to perform an agreed Service and shall timely review materials requiring the Client's attention. ### Section 8.2 — Independent Financial Obligations. Unless expressly agreed otherwise in writing, BFFG does not assume responsibility for paying a Client's debts, bills, taxes, loans or other financial obligations. ### Section 8.3 — Review of Documents. Clients remain responsible for reviewing applications, agreements and other documents before signing or submitting them. ### Section 8.4 — Security. Clients are responsible for protecting their own passwords, devices, account credentials and sensitive information and for promptly notifying BFFG of suspected unauthorized access to a BFFG-provided account or portal. --- ## ARTICLE IX ## DIGITAL PRODUCTS, EDUCATIONAL PROGRAMS AND CONSULTATIONS ### Section 9.1 — Educational Programs. BFFG may offer courses, workshops, classes, recordings, templates, guides, workbooks, downloads, memberships and other educational resources. Purchase or participation does not constitute a guarantee of implementation success or any particular financial result. ### Section 9.2 — Consultations and Assessments. An assessment, consultation, audit or strategy session reflects information reasonably available at the time it is performed. Recommendations may change as a Client's circumstances, applicable law, technology, lender requirements or market conditions change. ### Section 9.3 — Personal License. Unless a different license is expressly granted in writing, BFFG educational materials are licensed to the purchaser solely for the purchaser's personal use or internal business use and may not be resold or commercially redistributed. --- ## ARTICLE X ## ARTIFICIAL INTELLIGENCE, AUTOMATION AND TECHNOLOGY ### Section 10.1 — Technology Services. BFFG may provide education, consulting or implementation concerning artificial intelligence, automation, digital systems, workflows and other technologies. ### Section 10.2 — Third-Party Technology. Third-party technology providers may alter pricing, features, APIs, functionality, availability, terms or access without BFFG's control. ### Section 10.3 — AI Limitations. Artificial intelligence systems may generate inaccurate, incomplete, outdated or unexpected outputs. Clients remain responsible for appropriate human review before relying upon AI-generated information for consequential decisions. ### Section 10.4 — No Continuous-Availability Warranty. BFFG does not warrant that an independent software platform, AI model, social network, API, payment processor or other third-party technology will remain continuously available or unchanged. --- ## ARTICLE XI ## TESTIMONIALS, REVIEWS AND REPRESENTATIVE RESULTS ### Section 11.1 — Authenticity. Testimonials used by BFFG are intended to reflect the genuine opinions or experiences of the persons attributed to them. ### Section 11.2 — No Implied Guarantee. A testimonial, case study or success story does not create a contractual promise that another Client will obtain the same result. ### Section 11.3 — Material Disclosures. Where applicable law requires disclosure concerning the generally expected result, limited applicability of a testimonial, material connection between an endorser and BFFG, or another material circumstance, such disclosure should be made clearly and conspicuously in connection with the applicable representation. A general statement that “results vary” is not intended to substitute for a more specific disclosure when applicable law requires one. --- ## ARTICLE XII ## FEES, BILLING AND PAYMENT ### Section 12.1 — Prices. Prices are stated in United States dollars unless otherwise indicated. BFFG may modify prices prospectively. ### Section 12.2 — Payment Terms. Payment requirements for a particular Service shall be disclosed at checkout, enrollment or in the applicable Service Agreement. ### Section 12.3 — Mandatory Law Controls. Notwithstanding anything to the contrary contained on the Website, **BFFG shall not require, collect or retain payment at a time or in a manner prohibited by applicable law.** If applicable federal or state law establishes particular requirements governing when payment for a particular Service may be collected, such requirements shall control. ### Section 12.4 — Billing Disputes. Clients are encouraged to contact BFFG concerning legitimate billing concerns. Nothing herein restricts a consumer's lawful right to dispute an unauthorized or improper transaction. --- ## ARTICLE XIII ## REFUNDS, CANCELLATIONS AND RESCHEDULING ### Section 13.1 — Applicable Policy. Refund and cancellation terms may differ among consultations, educational products, events, digital products and other Services. Applicable terms shall be disclosed through the relevant offer, Refund & Cancellation Policy or Service Agreement. ### Section 13.2 — Statutory Rights Preserved. **No BFFG refund, cancellation, “all sales final,” or similar provision supersedes a cancellation, rescission or refund right that applicable law requires BFFG to provide.** ### Section 13.3 — Scheduled Services. BFFG may establish reasonable rescheduling, late-cancellation and no-show requirements for scheduled services, subject to applicable law and the terms disclosed at booking. --- ## ARTICLE XIV ## ELECTRONIC AND MARKETING COMMUNICATIONS ### Section 14.1 — Transactional Communications. By providing contact information in connection with an inquiry, appointment, transaction or existing Client relationship, a User authorizes BFFG to use such information for communications reasonably necessary to administer that interaction, subject to applicable law. ### Section 14.2 — Marketing Communications. Marketing communications shall be subject to applicable consent, disclosure and opt-out requirements. ### Section 14.3 — No Purchase Condition Where Prohibited. Consent to receive marketing communications shall not be made a condition of purchase where applicable law prohibits such a condition. ### Section 14.4 — Separate Terms. SMS communications and commercial email communications may be governed by BFFG's separate SMS Terms & Conditions and Email Communications Policy. --- ## ARTICLE XV ## PRIVACY AND INFORMATION SECURITY ### Section 15.1 — Privacy Policy. Collection and processing of personal information through the Website are further described in BFFG's Privacy Policy, which is incorporated herein by reference to the extent applicable. ### Section 15.2 — Sensitive Information. Users should not submit Social Security numbers, passwords, complete financial-account credentials or other highly sensitive information through an unsecured general Website form unless BFFG specifically directs the User to an appropriate method for providing such information. ### Section 15.3 — No Absolute Security Guarantee. No electronic transmission or information system can be guaranteed to be completely secure. Nothing in these Terms constitutes a guarantee against every possible unauthorized access, cyberattack or security incident. --- ## ARTICLE XVI ## INTELLECTUAL PROPERTY ### Section 16.1 — Ownership. Except for third-party materials, the Website and BFFG-created Content, including BFFG's original text, graphics, videos, courses, training, presentations, templates, worksheets, methodologies, frameworks and digital resources, are owned by or licensed to BFFG and are protected by applicable intellectual-property law. ### Section 16.2 — Restrictions. Without prior written authorization, no User may reproduce, republish, resell, sublicense, distribute or commercially exploit BFFG proprietary Content except as expressly permitted by an applicable license. ### Section 16.3 — No Transfer of Ownership. Purchase of access to Content does not transfer ownership of BFFG intellectual property. --- ## ARTICLE XVII ## THIRD-PARTY SERVICES AND LINKS ### Section 17.1 — Independent Providers. The Website may reference or link to lenders, consumer reporting agencies, software providers, payment processors, educational resources and other independent third parties. ### Section 17.2 — No Automatic Endorsement. A link, logo or reference does not by itself constitute an endorsement, sponsorship, partnership or guarantee. ### Section 17.3 — Independent Terms. Third-party products and services may be governed by separate terms and privacy policies. BFFG is not responsible for an independent third party's acts, omissions, underwriting decisions, security practices or availability except to the extent applicable law provides otherwise. --- ## ARTICLE XVIII ## ACCEPTABLE USE ### Section 18.1 — Lawful Use. Users shall not use the Website to commit fraud, impersonate another person, transmit malicious code, obtain unauthorized access, unlawfully harvest information, infringe intellectual-property rights or otherwise violate applicable law. ### Section 18.2 — Interference. Users shall not knowingly interfere with the Website's security, functionality or availability. --- ## ARTICLE XIX ## DISCLAIMERS OF WARRANTIES ### Section 19.1 — Website Availability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND GENERAL WEBSITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. ### Section 19.2 — No Absolute Warranty. BFFG does not warrant that the Website will be uninterrupted, error-free, free from every security vulnerability or compatible with every device or software environment. ### Section 19.3 — Non-Waivable Rights. Nothing in this Article disclaims a warranty or consumer right that applicable law prohibits BFFG from disclaiming. --- ## ARTICLE XX ## LIMITATION OF LIABILITY ### Section 20.1 — General Limitation. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BFFG SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES ARISING SOLELY FROM USE OF THE WEBSITE OR RELIANCE UPON GENERAL EDUCATIONAL WEBSITE CONTENT. ### Section 20.2 — Exceptions. Nothing in these Terms limits liability for fraud, intentional misconduct or any other liability that applicable law prohibits BFFG from limiting. ### Section 20.3 — Statutory Remedies Preserved. Nothing herein shall eliminate statutory damages, remedies or causes of action that applicable law does not permit a consumer to waive. --- ## ARTICLE XXI ## GOVERNING LAW AND DISPUTES ### Section 21.1 — Governing Law. These Terms shall be governed by applicable federal law and the laws of the State of Ohio, without regard to conflict-of-law principles, except to the extent another jurisdiction's mandatory law must apply. ### Section 21.2 — Good-Faith Resolution. Before commencing non-emergency litigation, the parties are encouraged to attempt in good faith to resolve the dispute informally. ### Section 21.3 — Preserved Rights. Nothing in this Article prevents a consumer from contacting a regulator, filing an administrative complaint, exercising a statutory right, seeking emergency relief or pursuing a remedy that applicable law does not permit the consumer to waive. --- ## ARTICLE XXII ## REGULATORY AND CONSUMER-PROTECTION SAVINGS CLAUSE ### Section 22.1 — Mandatory Law Controls. These Terms shall be construed consistently with applicable consumer-protection law. If a provision conflicts with a mandatory statutory requirement, the mandatory requirement shall control to the extent of the conflict. ### Section 22.2 — No Waiver of Statutory Rights. Nothing contained herein is intended to waive a consumer's rights under applicable federal or Ohio law where such rights cannot legally be waived. ### Section 22.3 — Separate Required Documents. These Website Terms do not replace any disclosure, authorization, consumer-rights statement, contract, cancellation notice or other instrument that applicable law requires to be provided separately in connection with a particular transaction. --- ## ARTICLE XXIII ## GENERAL PROVISIONS ### Section 23.1 — Eligibility. Except for educational programs expressly designed for minors with appropriate authorization, Users purchasing Services must be at least eighteen (18) years of age and legally capable of entering a binding agreement. ### Section 23.2 — Severability. If any provision is determined to be invalid or unenforceable, it shall be limited or severed to the minimum extent necessary, and the remaining provisions shall continue in effect. ### Section 23.3 — No Waiver. Failure to enforce a provision on one occasion shall not constitute a continuing waiver of that provision. ### Section 23.4 — Force Majeure. To the extent permitted by law, BFFG shall not be liable for reasonable delay caused by events materially outside its reasonable control, provided that this provision shall not excuse an obligation that applicable law requires BFFG to perform notwithstanding such event. ### Section 23.5 — Entire Website Agreement. These Terms, together with policies expressly incorporated herein, constitute the general agreement governing Website use. Applicable Service Agreements may supplement these Terms. ### Section 23.6 — Amendments. BFFG may modify these Terms prospectively. The “Last Updated” date shall identify the latest version. No amendment shall retroactively extinguish a vested statutory consumer right. --- ## ARTICLE XXIV ## CONTACT INFORMATION ### Section 24.1 — Contact. Questions concerning these Terms may be directed to: **Business & Personal Brilliant Finish Financial Group** **My Brilliant Finish | Brilliant Finish Financial Group** 2112 Central Ave Cincinnati, Ohio 45214 **Email:** itsyourturn@mybrilliantfinish.com --- ## ARTICLE XXV ## ACKNOWLEDGMENT By using the Website or purchasing an applicable BFFG offering, the User acknowledges that BFFG provides **Credit Education, Financial Literacy and Credit Restoration**, together with other educational and consulting offerings described by BFFG. The User further acknowledges that BFFG makes **no guarantee of any particular credit score, credit-score increase, deletion, financing approval, funding amount, credit limit, interest rate, financial outcome, business outcome or timeframe for results** and that independent consumer reporting agencies, creditors, lenders, data furnishers and other third parties make decisions BFFG does not control. Nothing in these Terms shall be construed to waive a consumer right that applicable law does not permit the consumer to waive.