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“In accordance with the Colorado Credit Services Organization Act (§ 12-14.5-101 et seq., C.R.S.), once a client signs the Credit Fit Boost service agreement and disclaimer, they acknowledge and accept the terms of service in full. This includes a clear understanding that all credit enhancement/repair efforts begin immediately upon enrollment, and therefore, no refunds shall be issued under any circumstances after the agreement is executed. By signing, the client enters a legally binding commitment to the process, and the transaction is considered final.”