IKA Enterprise LLC is committed to providing transparent, timely, and professional services to all our clients. This Fulfillment Policy outlines how we deliver our services and the terms governing service delivery.
Service Delivery Timeline
Consultation Services
For services requiring scheduled consultations:
Clients will receive a confirmation email within 24 hours to arrange suitable meeting times
Initial consultation calls will be scheduled within 3-5 business days of enrollment
Follow-up consultations will be scheduled based on service package requirements
Digital Products and Materials
Upon successful payment:
Clients will receive immediate access to digital products, including online resources and downloadable materials
Access details will be sent via email within one (1) hour of purchase
Login credentials and platform access will be provided promptly
Credit Stacking Services
Credit analysis will be completed within 5-7 business days of receiving all required documentation
Strategy recommendations will be provided within 7-10 business days
Ongoing support and guidance as outlined in your service agreement
Loan Brokerage Services
Initial lender matching will begin within 24-48 hours of application submission
Lender introductions will be made within 3-5 business days (subject to document completion)
Application support provided throughout the funding process
Credit Repair Services
Credit report analysis completed within 5-7 business days of receiving authorization
Dispute letters prepared and submitted within 10-14 business days
Monthly progress updates provided throughout the service period
Service Access and Validity
Digital Access
Clients will have access to purchased digital products for the duration specified in their service agreement
Access may be lifetime unless otherwise specified in writing
Platform access requires maintaining an active account in good standing
Service Validity Periods
Consultation Services: Must be utilized within six (6) months from the date of purchase
Credit Repair Services: Active for the term specified in your service agreement (typically 3-12 months)
Credit Stacking Programs: Valid for the duration outlined in your enrollment agreement
Unused services within the validity period may be forfeited unless otherwise agreed in writing
Appointment Scheduling
Clients are responsible for scheduling and attending scheduled appointments
Missed appointments without 24-hour notice may result in forfeiture of that session
Rescheduling is permitted with advance notice based on availability
Written Contracts and Agreements
Service Contracts
All services are accompanied by a written contract detailing:
Specific services to be performed
Payment terms and fee structure
Time frame for service completion
Client responsibilities and obligations
Cancellation and refund policies
Contract Review Period
Clients are encouraged to carefully review all contract terms before signing
Questions about contract terms should be directed to our team before execution
Contracts become binding upon client signature or electronic acceptance
Credit Repair Services Compliance
In accordance with the Credit Repair Organizations Act (CROA) and applicable state laws:
Right to Cancel
Clients have the right to cancel any credit repair services contract without penalty within three (3) business days of signing
A Notice of Cancellation form is provided with every credit repair contract
Cancellation must be submitted in writing to: [email protected]
No Advance Fees for Credit Repair
We do not charge or receive payment for credit repair services before they are fully performed
Fees for credit repair services are billed after services are rendered
Other services (consultation, credit stacking, loan brokerage) may require advance payment
Truthful Representation
We refrain from making any untrue or misleading statements regarding our services
We do not guarantee specific credit score improvements or timelines
All service descriptions are accurate and based on our actual capabilities
Client Rights Information
We provide all clients with a written statement of their rights under federal and state law
This includes the right to sue us for violations of the Credit Repair Organizations Act
We inform clients they have the right to dispute inaccurate information directly with credit bureaus at no cost
Fair Lending and Non-Discrimination
Equal Opportunity
We do not discriminate against applicants based on:
Race, color, religion, or national origin
Sex, gender identity, or sexual orientation
Marital status or family status
Age (provided applicant is of legal age)
Receipt of public assistance income
Disability status
Or any other protected class under federal or state law
Application Denials
If a client's application for funding assistance or services is denied, we will provide a written explanation upon request
Denial reasons may include incomplete documentation, failure to meet minimum requirements, or lender criteria
Clients may request reconsideration by providing additional documentation or information
Funding and Credit Terms Disclosure
Clear Disclosures
When facilitating funding opportunities, all credit terms are clearly disclosed to clients, including:
Annual Percentage Rates (APR) as provided by lenders
Total costs including fees, interest, and charges
Payment schedules and term lengths
Prepayment penalties if applicable
Late payment consequences
Any other material terms affecting the credit agreement
Third-Party Lender Terms
Final terms are determined by independent third-party lenders
IKA Enterprise LLC acts as a broker and does not set lending terms
Clients should carefully review all lender agreements before acceptance
Right of Rescission
For certain credit transactions, clients have the right to rescind within three (3) business days as required by federal law
This right is provided by the lender and governed by Truth in Lending Act regulations
We inform clients of this right when applicable
Client Responsibilities
Documentation and Information
Clients must provide accurate, complete, and timely documentation
Delays in providing required information may delay service delivery
False or misleading information may result in service termination
Communication
Clients must maintain open communication throughout the service period
Response to inquiries within reasonable timeframes is expected
Failure to respond may delay or prevent service completion
Compliance with Recommendations
Following our guidance and recommendations improves likelihood of success
Clients are ultimately responsible for their own financial decisions
We cannot guarantee results based on actions or decisions made by the client
Payment Terms
Accepted Payment Methods
Credit cards (Visa, Mastercard, American Express, Discover)
Debit cards
Bank transfers (ACH)
Other payment methods as agreed upon
Payment Processing
Payments are processed securely through trusted payment processors
Payment confirmation will be sent via email
Receipts are available upon request
Failed Payments
Failed or declined payments may result in service interruption
Clients will be notified of payment issues and given opportunity to resolve
Services will resume once payment is successfully processed
Refund and Cancellation Policy
General Refund Policy
Refunds are provided only as specifically outlined in your service agreement
Work already performed is generally non-refundable
Refund requests must be submitted in writing
Credit Repair Service Cancellations
Three (3) business day cancellation right as required by law
After the cancellation period, refunds are prorated based on work completed
No refund is provided for services already performed
Other Service Cancellations
Consultation services: Refundable before first consultation is scheduled
Digital products: Generally non-refundable after access is granted
Loan brokerage: Fees may be non-refundable after lender introductions are made
Force Majeure and Service Interruptions
We are not liable for delays or inability to perform services due to:
Acts of God, natural disasters, or extreme weather
Government actions, regulations, or legal requirements
Technology failures or internet service interruptions
Third-party service provider failures
Other circumstances beyond our reasonable control
In such events, we will make reasonable efforts to notify clients and resume services as soon as possible.
Modifications to This Policy
IKA Enterprise LLC reserves the right to modify this Fulfillment Policy at any time. Changes will be:
Posted on our website and communications channels
Sent via email to active clients when material changes occur
Effective immediately upon posting unless otherwise stated
Continued use of our services after modifications constitutes acceptance of the updated policy.
Contact Information
For questions about this Fulfillment Policy or our service delivery:
IKA Enterprise LLC
500 Marquette Ave Suit 1200-A, Albuquerque NM 87102
Email:
Business Hours:
Monday - Friday: 9:00 AM - 6:00 PM EST
Saturday: By Appointment
Sunday: Closed
Notice: This Fulfillment Policy is part of our Terms of Service and should be read in conjunction with our Privacy Policy and service agreements.