Terms & Conditions for MIAMI CREDIT GOAT LLC

Effective Date:

October 23, 2026

Welcome to MIAMI CREDIT GOAT LLC ("we," "our," or "us"). These Terms of Service (the "Terms") govern your access to and use of our website miamicreditgoat.com (the "Site") and any services offered through the Site (collectively, the "Services"). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Site.

1. Acceptance of Terms

By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to Services provided by us. If you are using the Site on behalf of an organization, you represent that you have the authority to bind that organization to these Terms, and your acceptance of these Terms will bind that organization.

2. Changes to Terms

We reserve the right to modify these Terms at any time, at our sole discretion. We will notify you of any significant changes by posting the updated Terms on the Site with a new effective date. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms. It is your responsibility to review these Terms periodically for updates.

3. User Accounts

To access certain features of our Services, you may be required to create an account. When you create an account, you agree to:

Provide accurate, current, and complete information about yourself.

Maintain and promptly update your account information to keep it accurate, current, and complete.

Maintain the security of your password and accept all risks of unauthorized access to your account.

Notify us immediately of any unauthorized use of your account or any other breach of security.

Take responsibility for all activities that occur under your account.

4. User Conduct

You agree to use the Site and Services in accordance with all applicable laws and regulations, and in a manner that does not infringe the rights of any third party. You agree not to:

Use the Site for any illegal or unauthorized purpose.

Transmit any viruses, worms, or other harmful code.

Harass, abuse, or harm another person or group.

Impersonate any person or entity or falsely state or misrepresent your affiliation with a person or entity.

Engage in any conduct that restricts or inhibits any other user from using or enjoying the Site.

Attempt to gain unauthorized access to the Site or its related systems or networks.

5. Intellectual Property

The content, features, and functionality of the Site, including but not limited to text, graphics, logos, and software (the "Content"), are the exclusive property of MIAMI CREDIT GOAT LLC and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, modify, or distribute any Content from the Site without our express written permission.

6. Third-Party Links

Our Site may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we are not liable for any damages or losses caused or alleged to be caused by or in connection with your use of any third-party sites or services.

7. Disclaimer of Warranties

Our Site and Services are provided on an "as-is" and "as-available" basis. To the fullest extent permitted by law, we make no representations or warranties of any kind, express or implied, regarding the Site or Services, including but not limited to their reliability, availability, or suitability for your needs. We disclaim all warranties, express or implied, including any warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

In no event shall MIAMI CREDIT GOAT LLC, its affiliates, or their respective directors, officers, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:

Your access to or use of (or inability to access or use) the Site or Services.Any conduct or content of any third party on the Site.

Any content obtained from the Site.

Unauthorized access, use, or alteration of your transmissions or content.

9. Indemnification

You agree to indemnify, defend, and hold harmless MIAMI CREDIT GOAT LLC, its affiliates, and their respective officers, directors, employees, agents, and licensors from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

Your use of the Site or Services.

Your violation of these Terms.

Your violation of any rights of any third party, including without limitation any intellectual property rights.

Any claim that your content caused damage to a third party.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Florida, USA, without regard to its conflict of law principles. You agree that any dispute arising out of or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located within Arizona, USA, and you consent to the personal jurisdiction of those courts.

11. Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site, you agree to first attempt to resolve the dispute informally by contacting us at [email protected] If the dispute is not resolved within thirty (30) days, either party may initiate binding arbitration in accordance with the rules of the American Arbitration Association (AAA).

12. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms will remain in full force and effect.

13. Entire Agreement

These Terms, along with our Privacy Policy and any other legal notices or agreements published by us on the Site, constitute the entire agreement between you and MIAMI CREDIT GOAT LLC concerning your use of the Site and Services, superseding any prior agreements between you and MIAMI CREDIT GOAT LLC regarding the same.

14. Contact Us

If you have any questions about these Terms, please contact us at [email protected]

Halloween 2026 — Get One. Gift One. Promotion

1. The offer

Customers who qualify for this promotion and enroll in a Miami Credit Goat package at its regular price receive one additional, identical package free for a separate person of their choice.

Eligible packages are Imperial, Prestige, Elite, Expedited, and 1-1 VIP. The gifted package includes the same services and service duration as the selected package, including funding assistance and 1-1 business support from Alex where included in that tier.

The recipient is not required to purchase another package or pay an additional package, enrollment, or administration fee to receive the matching service.

2. Booking and enrollment deadlines

To qualify, the customer must:

Book their consultation between October 23, 2026, and October 31, 2026, at 11:59 p.m. Eastern Time.

Attend their consultation and enroll in an eligible package by November 6, 2026.

A qualifying consultation may take place after October 31, provided the attendance and enrollment deadline is met. Booking alone does not activate the gifted package.

Enrollment does not require payment before payment may lawfully be requested or collected. All billing remains subject to applicable law and the customer’s service agreement.

3. Choosing the recipient

The customer may book their consultation alone and nominate their gift recipient afterward. The recipient may be a family member, friend, partner, or another person the customer chooses.

The recipient must complete their own onboarding and provide any consent or authorization necessary to perform the services. Being nominated does not automatically subscribe the recipient to marketing communications.

One matching gift package is included per qualifying enrollment. The gift is a service package, not a cash payment or funding award.

4. Individual eligibility and results

Each person’s circumstances and eligibility are assessed separately. Receiving identical services does not mean both individuals will obtain identical results.

Funding assistance does not guarantee funding, approval, a particular amount, interest rate, or other lending terms. Funding is subject to each applicant’s eligibility and lender approval.

Credit repair does not guarantee a particular score increase, removal of accurate and current information, or a specific result. “Expedited” describes the service tier and does not guarantee a particular outcome or completion date.

5. Service agreements and consumer rights

Both individuals receive the applicable service agreement and required disclosures. This promotion does not replace those documents, authorize otherwise prohibited charges, or waive any statutory cancellation, refund, or other consumer rights.