Terms and Conditions

Introduction

These Terms and Conditions (“Terms”) govern your use of the products and services offered by Premium Merchant Funding (“we,” “us,” or “our”), including the purchase of the e-book “Who Stole My Identity?” by Kid Kredit and the free one-year Equifax Complete™ Premier membership. By purchasing our e-book and utilizing our services, you agree to these Terms.

1. Acceptance of Terms

By accessing our website and purchasing our products, you accept and agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

2. Products and Services

2.1 E-Book Purchase: When you purchase the e-book “Who Stole My Identity?” by Kid Kredit for $75, you will receive an instant download of the e-book. This e-book provides valuable information on identity theft prevention and financial literacy.

2.2 Free Equifax Complete™ Premier Membership: Your purchase of the e-book includes a complimentary one-year Equifax Complete™ Premier membership. Please note that you are not paying for the Equifax membership; it is provided free of charge for one year as a bonus with your e-book purchase.

3. Instant Download and Service Render

3.1 Instant Download: Upon successful payment, you will receive an email with a link to download the e-book instantly. As the e-book is a digital product, the service is rendered immediately upon download, fulfilling our obligation to deliver the product.

3.2 Non-Refundable Purchase: Due to the nature of digital products and the instant access provided, all sales of the e-book are final. We do not offer refunds or accept chargebacks for the e-book purchase. By completing the purchase, you acknowledge and agree to this policy.

4. Equifax Complete™ Premier Membership

4.1 Activation: Instructions to activate your free one-year Equifax Complete™ Premier membership will be provided with your e-book download. It is your responsibility to follow these instructions to activate the membership.

4.2 Free Period: The Equifax Complete™ Premier membership is free for one year from the date of activation. You are not required to enter payment information or make any payments for this membership during the free period.

4.3 Renewal and Charges: At the end of the one-year free period, Equifax may offer you the option to renew the membership for a fee. Any decision to renew and any associated charges will be communicated to you by Equifax directly. Premium Merchant Funding is not responsible for any renewal charges or ongoing subscription management.

5. User Responsibilities

5.1 Accuracy of Information: You agree to provide accurate and complete information during the purchase and activation process. Failure to provide accurate information may result in the inability to access the e-book or activate the Equifax membership.

5.2 Compliance: You agree to comply with all applicable laws and regulations when using our products and services.

6. Limitation of Liability

To the maximum extent permitted by law, Premium Merchant Funding shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of the products and services provided, including but not limited to the e-book and Equifax Complete™ Premier membership.

7. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of our products and services constitutes acceptance of the updated Terms.