Terms of service

This store is operated by plant money habits LLC, 1650 Limekiln Pike, Ste B19 #223, Dresher, PA 19025. Phone +1 (484) 246-6676. Email pmh@plantmh.com.

By buying from this store you agree to what is below.

What you are buying

The products in this store are educational materials. Guides, letter templates, trackers, and written instructions, delivered as PDF files by email right after you pay.

You are not buying a credit repair service here. We are not working on your credit file for you, and we are not acting as your agent with any bureau or creditor. If you want us to do the work for you, that is a separate service with its own signed agreement.

Nothing in these materials is legal advice, tax advice, or financial advice.

What we do not promise

We do not promise any credit score. We do not promise any item will be removed, that a lender will approve you, or that you will get funded. Nobody can honestly promise those things, and results are different for every person.

These materials do not remove information that is true, current, and correctly reported.

Your rights

You have the right to do everything in these materials yourself, for free. Federal law gives you that right. You can contact the credit bureaus directly at no cost. What you are paying us for is the system, the letters, and the time you save.

You also have the right to get a free copy of your credit report from each bureau, and to challenge inaccurate information yourself.

Delivery

Your files are emailed to the address you enter at checkout, usually within a few minutes. Nothing ships. If your files do not arrive, check your spam folder, then email pmh@plantmh.com and we resend them.

The free call

Your purchase includes one free 15-minute call with Yordan. Booking is your choice and there is no time limit on using it. The call is educational. It is not a promise of any result, and you are never required to buy anything else.

How you can use the files

The files are for you, personally. You can print them and use them as many times as you want for your own credit.

You cannot resell them, share them publicly, post them online, or sell them as your own product. We keep the copyright.

Payment and refunds

Prices are in US dollars. Payment is taken at checkout. Refunds are covered by our refund policy, which gives you 30 days.

Privacy

What we collect and how we use it is covered in our privacy policy.

Changes and questions

We can update these terms. The version posted when you buy is the one that applies to your order.

Questions go to pmh@plantmh.com or +1 (484) 246-6676.