Skip to Content

Terms & Conditions

Business Credit Builder Program

Terms and Conditions

Last Updated: July 15, 2024

Welcome to SSMJ Holdings, LLC ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our Dun & Bradstreet (D&B) Tradeline Reporting services, offered through our Business Credit Builder Program ("Services"). By purchasing a plan and accessing our Services, you agree to be bound by these Terms in their entirety. Please read them carefully.

1. Description of Services

Our Business Credit Builder Program offers D&B Tradeline reporting services at three levels: Beginner, Professional, and Expert. Our service involves the manual reporting of payment experiences to Dun & Bradstreet to assist in building your business's credit profile and influencing your PAYDEX® score.

2. Service Acknowledgment

You, the Client, understand and acknowledge the following:

  • Tradeline Visibility: Manually reported tradelines on a D&B (Dun & Bradstreet) report generally remain visible for 24 months of payment experiences. This applies to both positive and negative payment information that contributes to the D&B PAYDEX® score. The Company makes no guarantees regarding the exact duration of visibility as this is ultimately controlled by Dun & Bradstreet's policies.
  • No Guarantees on Outcome: While our Services are designed to assist in building business credit, we do not guarantee any specific credit score, funding approval, or financial outcome. The D&B PAYDEX® score is calculated based on numerous factors, and our service is only one component of your overall credit-building strategy.

3. Client Obligations and Prerequisites

To be eligible for and to maintain our Services, you must adhere to the following:

  • Mandatory eCourse: All clients, regardless of the plan selected, are required to successfully complete our "The Cashless Business" eCourse and read the accompanying eBook before the commencement of tradeline reporting. Proof of completion may be required.
  • Business Compliance: The Client is solely responsible for maintaining their business in good standing. This includes, but is not limited to:
    • Maintaining a valid physical business location (P.O. Boxes and virtual addresses may not be acceptable).
    • Keeping all federal, state, and local tax obligations, permits, and business licenses current and valid.
  • Accurate Information: You agree to provide accurate, complete, and current information as required for the setup and maintenance of your account and tradeline reporting. Providing false or misleading information is a material breach of these Terms.

4. Plan Structure and Commitments

  • Plan per Entity: Each unique business formation (e.g., LLC, Corporation, Sole Proprietorship) requires its own separate service plan. Services cannot be shared or transferred between different business entities, regardless of common ownership.
  • Minimum Commitment: All plans (Beginner, Professional, and Expert) require an initial, non-cancelable commitment period of six (6) months.
  • Reporting Limits:
    • A maximum of $50,000 in total tradeline value will be reported per business entity within any rolling 6-month commitment period.
    • To increase the reporting limit to $100,000, the client must enter into a new, separate 6-month commitment. This option is available only after the successful completion of the initial 6-month term and is subject to approval. This subsequent commitment is per person, per business.

5. Payment, Refund, and Chargeback Policy

  • 14-Day Money-Back Guarantee (Beginner Plan Only): We offer a 14-day money-back guarantee exclusively for the Beginner plan, calculated from the date of purchase. To be eligible, a refund request must be submitted in writing within this 14-day window. This guarantee is void if any tradeline reporting has already been initiated on your behalf.
  • No Refunds: Except for the 14-day guarantee on the Beginner plan, all fees are non-refundable. There will be no refunds or credits for partial months of service, plan downgrades, or unused months on a committed plan.
  • Chargeback Policy: You agree to contact us to resolve any billing disputes before initiating a chargeback. Initiating a chargeback for a valid charge is a breach of these Terms. In the event of a chargeback, your Services will be immediately terminated, and we reserve the right to pursue recovery of the disputed amount plus any associated fees (including legal and collection fees) to the fullest extent of the law. We may report information about the chargeback to credit bureaus and other relevant agencies.
  • Fraudulent Activity and Prohibited Conduct: We have a zero-tolerance policy for fraud. No refunds will be issued for accounts terminated due to being flagged as inactive, fraudulent, or high-risk by our payment processing system or internal compliance team. Fraudulent activity includes, but is not limited to, using stolen payment information, providing false business documentation, or attempting to manipulate the credit reporting process. Furthermore, any client engaging in abusive, threatening, or invective communication with our staff will have their account terminated immediately without a refund. We will cooperate fully with law enforcement in all suspected cases of fraud.

6. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

7. Third-Party Services and Links

Our Services may utilize, contain links to, or be integrated with third-party services, websites, and applications that are not owned or controlled by SSMJ Holdings, LLC (e.g., Dun & Bradstreet, payment processors). We do not have control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party services. You acknowledge that your use of such third-party services is subject to the terms and conditions and privacy policies of the third-party providers.

SSMJ Holdings, LLC is not liable for any loss or damage which may be incurred by you as a result of the availability of those external sites or resources, or as a result of any reliance placed by you on the completeness, accuracy, or existence of any advertising, products, or other materials on, or available from, such websites or resources. You expressly relieve SSMJ Holdings, LLC from any and all liability arising from your use of any third-party service.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SSMJ Holdings, LLC, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SERVICE.

9. Indemnification

You agree to defend, indemnify, and hold harmless SSMJ Holdings, LLC and its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Service; (ii) your violation of any term of these Terms; (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your actions caused damage to a third party. This defense and indemnification obligation will survive these Terms and your use of the Service.

10. Dispute Resolution by Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.

Most customer concerns can be resolved quickly and to the customer's satisfaction by contacting us. In the unlikely event that our customer service team is unable to resolve a complaint you may have to your satisfaction, we each agree to resolve those disputes through binding arbitration or small claims court instead of in courts of general jurisdiction.

  • Arbitration Procedure: The arbitration will be conducted by the American Arbitration Association (AAA) under its rules, including the AAA's Supplementary Procedures for Consumer-Related Disputes. The AAA's rules are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules.
  • Class Action Waiver: We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial.

11. Governing Law and Venue

These Terms shall be governed by and construed in accordance with the laws of the State of Nebraska, without regard to its conflict of law principles. You agree that for any disputes not otherwise subject to the arbitration agreement in Section 10, the sole and exclusive jurisdiction and venue for any action or proceeding arising out of or related to this Agreement shall be an appropriate state or federal court located in the State of Nebraska. You hereby submit to the exclusive jurisdiction and venue of such courts. This choice of law and venue provision applies to all clients, regardless of their state or country of residence or business operation.

12. Force Majeure

Neither party shall be liable for any failure or delay in performance under these Terms for causes beyond that party's reasonable control and occurring without that party's fault or negligence, including, but not limited to, acts of God, acts of government, flood, fire, civil unrest, acts of terror, strikes or other labor problems, or computer-related attacks or malicious acts, such as attacks on or through the internet, any internet service provider, telecommunications or hosting facility, or failure of third-party systems (including Dun & Bradstreet).

13. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

14. Entire Agreement

These Terms, together with any other legal notices and agreements published by us, shall constitute the entire agreement between you and SSMJ Holdings, LLC concerning the Service. It supersedes all prior and contemporaneous agreements, proposals or representations, written or oral, concerning its subject matter.

15. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

16. Contact Us

If you have any questions about these Terms, please contact us at: 12020 Shamrock Plaza #200 Omaha, NE 68134

Contact us