Disclaimer

Effective Date: 04/01/2026

The information provided by The Juel Affect ("we," "us," or "our") on this website, in our digital products, during consultations, and through our services is for educational and informational purposes only. By using our website or purchasing our products and services, you agree to this Disclaimer.

Not Legal or Financial Advice

The Juel Affect is not a law firm, and we do not provide legal advice. Our team consists of credit education specialists and credit repair consultants, not attorneys or financial advisors. The information contained in our guides, dispute templates, and communications should not be construed as legal, financial, or tax advice.

While we provide strategies based on consumer protection laws such as the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Credit Repair Organizations Act (CROA), you should consult with a qualified attorney or financial professional regarding your specific legal or financial situation.

No Guarantee of Results

Credit repair is a complex process, and every individual's credit profile is unique. While we use proven, law-based strategies to dispute inaccurate, unverified, or outdated information, we cannot and do not guarantee specific outcomes.

We do not guarantee:

• That any specific negative item will be removed from your credit report.

• That your credit score will increase by a certain number of points.

• That you will be approved for loans, credit cards, mortgages, or other financial products.

• That results will be achieved within a specific timeframe.

Any testimonials, reviews, or success stories featured on our website or social media channels represent the experiences of specific clients. These results are not typical, and your individual results may vary based on your financial history, ongoing credit habits, and the responses of the credit bureaus and furnishers.

Tradeline Services Disclaimer

The Juel Affect facilitates the addition of clients as authorized users to third-party credit card accounts ("tradelines"). We do not guarantee that the addition of a tradeline will improve your credit score or result in credit approvals. The impact of a tradeline on your credit profile depends on various factors, including the credit scoring model used by lenders and the existing information on your credit report.

Lenders and credit card issuers may change their policies regarding authorized user accounts at any time. We are not responsible for any adverse actions taken by lenders, including fraud investigations or account closures, resulting from your association with a tradeline.

Digital Products — Educational Purpose Only

All digital products sold by The Juel Affect are provided strictly for educational and informational purposes. They do not guarantee any specific results, including but not limited to the removal of negative items from your credit report, credit score increases, or approval for any financial product. Our digital products, including dispute templates and guides, are provided "as is" without any warranties, express or implied. The effectiveness of these materials depends on how you use them and the specific circumstances of your credit file. You are solely responsible for any actions you take based on the information provided in our digital products.

FTC Sweep Guide — Specific Disclaimer

The FTC Sweep guide provides educational information about the identity theft dispute process under FCRA § (b). This product is intended exclusively for individuals who are legitimate victims of identity theft. Filing a false identity theft report or affidavit is a federal crime under U.S.C. § and may result in criminal prosecution, fines, and imprisonment. The Juel Affect does not encourage, endorse, or condone the filing of false identity theft claims. We are not responsible for any legal consequences resulting from the misuse of this guide. By purchasing this product, you confirm that you are a genuine victim of identity theft and accept full responsibility for how you use the information provided.

Assumption of Risk

By using our website, products, and services, you acknowledge and agree that you are assuming all risks associated with credit repair and the use of authorized user tradelines. You agree that The Juel Affect shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from your use of our services or reliance on our educational materials.