Terms of Service
Effective Date: April 30, 2026
These Terms of Service ("Terms") govern your purchase and use of products, services, and educational content offered by Break the Chains Group, LLC ("BTCG", "we", "us", "our"), a Wyoming limited liability company. By purchasing any product or accessing any service, you ("Customer", "you") agree to these Terms.
1. Who We Are
Break the Chains Group, LLC is an education and consulting company. We provide consumer credit education, FCRA (Fair Credit Reporting Act) education, and creative real estate finance education. We are not a credit repair organization. We do not draft, sign, send, or track dispute correspondence on your behalf. You, the consumer, are the actor in every action you take with credit bureaus, furnishers, regulators, or courts. We educate. You execute.
We are not a lender. We are not a real estate broker. We are not a law firm. We are not an attorney. Nothing in our products, services, calls, posts, books, videos, or community is legal, financial, real estate, or tax advice.
2. Products and Services
2.1 The $17 FCRA Ebook (BTCG-17-BOOK)
A digital ebook delivered as a downloadable PDF immediately after payment. One-time charge of $17.00 USD. No subscription. No automatic renewal.
2.2 The $59 Strategy Call (BTCG-59-CALL)
A 30-minute one-on-one strategy call with Brian Madsen by Zoom or telephone, scheduled at a time you select. One-time charge of $59.00 USD. No recording is provided unless you record the call yourself.
2.3 The $99/Month Community Tier (BTCG-99-COMMUNITY)
A recurring monthly subscription to the BTCG community area, including weekly office hours, content drops, and member-to-member discussion. $99.00 USD per month. Charged monthly to your stored payment method until you cancel. Cancel anytime by emailing brian@breakthechainsgroup.com or via your account portal. Cancellation stops future charges but does not refund the current billing period.
2.4 The $497 FCRA Deep Consult (BTCG-497-CONSULT)
A 60-minute deep-dive consultation with Brian Madsen reviewing your credit reports and developing a custom dispute strategy. One-time charge of $497.00 USD. Includes the consultation itself and the written summary delivered after. Does not include letter drafting, mailing, or follow-up dispute work. You execute on your own file.
3. Refund Policy
3.1 The $17 Ebook
Refunds are issued within 30 days of purchase only if a technical issue prevented you from downloading the ebook. Once successfully downloaded, the ebook is final-sale.
3.2 The $59 Strategy Call
Full refund if you cancel at least 24 hours before your scheduled call time. No refund after the call has been delivered. Reschedules are free with at least 24 hours notice.
3.3 The $99/Month Community Tier
This subscription is month-to-month. Cancel anytime to stop future charges. We do not refund partial months. If you cancel on day 20 of a billing period, your access continues through day 30, then stops.
3.4 The $497 FCRA Deep Consult
Refund within 24 hours of purchase if the consultation has not yet been delivered. Once the consultation is delivered, no refund is issued because BTCG has performed the contracted service.
3.5 How to Request a Refund
Email brian@breakthechainsgroup.com with your order number and the reason for the refund. We respond within 3 business days.
4. What You Are Responsible For
You, the Customer, are solely responsible for:
- Reading any educational content we provide and applying it to your own situation
- Drafting your own dispute letters using BTCG templates as educational examples
- Mailing your own correspondence using your own postage and proof of delivery
- Tracking your own dispute timelines and outcomes
- Filing your own complaints with the CFPB, state attorneys general, or courts
- Engaging your own attorney if you require legal representation
- Reviewing your credit reports and making your own decisions about what to dispute
- All consequences, costs, and outcomes of actions you take based on what you learn from BTCG
BTCG provides education. We do not represent you. We do not act as your agent.
5. No Guarantees
BTCG makes no guarantees about credit score outcomes, dispute outcomes, lender approvals, settlement amounts, or financial results. Past examples cited in BTCG content (case studies, anonymized client outcomes, public legal filings) are illustrative, not predictive. Federal credit law gives consumers powerful tools, but outcomes depend on facts, documentation, jurisdiction, and many factors outside BTCG's control.
We do not promise to "remove" any item from any credit report. We educate you about your rights under the Fair Credit Reporting Act and other consumer-protection laws so you can exercise those rights yourself.
6. Communications and TCPA Consent
When you submit a form on the BTCG website, you provide express written consent for BTCG to contact you by phone, text, or email at the number and address you provided, including via automated dialing systems, for the purpose of delivering the products and services you requested and related educational content. Message and data rates may apply. Reply STOP to any text message to opt out. Click the unsubscribe link in any email to opt out of marketing email. Consent to marketing is not a condition of purchasing any product.
7. Intellectual Property
All BTCG content, including books, videos, slide decks, dispute templates, course materials, podcast episodes, and community discussion threads, is the intellectual property of Break the Chains Group, LLC, except where otherwise noted (for example, public-record case citations). You receive a non-transferable, non-exclusive license to use BTCG content for your personal education. You may not redistribute, resell, sublicense, publish, or claim authorship of BTCG content. You may not feed BTCG content into AI training pipelines.
8. Acceptable Use
You agree not to use BTCG products or services to:
- Harass, threaten, or defame any person, including BTCG staff, agents, or other community members
- Submit false information on forms or in payment processing
- Reverse-engineer, scrape, or extract bulk data from BTCG digital properties
- Resell, white-label, or otherwise commercialize BTCG content without written permission
- Engage in any conduct that violates federal, state, or local law
BTCG may suspend or terminate access for violations of this section without refund.
9. Disclaimer of Warranties
BTCG products and services are provided "as is" and "as available". To the maximum extent permitted by law, BTCG disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that BTCG content is error-free, complete, or current. Federal and state credit law changes; BTCG content reflects our understanding at the time of publication.
10. Limitation of Liability
To the maximum extent permitted by law, BTCG's total aggregate liability to you for any claim arising from or relating to these Terms or any BTCG product or service is limited to the amount you paid BTCG for the product or service that gave rise to the claim, in the 12 months before the claim arose. BTCG is not liable for indirect, incidental, consequential, special, or punitive damages, including lost profits, lost data, or business interruption.
11. Indemnification
You agree to indemnify and hold harmless BTCG, its members, managers, employees, and agents, from any claim, demand, loss, or expense, including reasonable attorney's fees, arising from your use of BTCG products or services, your violation of these Terms, or your violation of any law or third-party right.
12. Governing Law
These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws principles.
13. Dispute Resolution and Arbitration
Read this section carefully. It affects your rights.
13.1 Mandatory Arbitration
Any dispute arising from or relating to these Terms or any BTCG product or service shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. Arbitration takes place in Sheridan, Wyoming, or, at your election, in your home state. Judgment on the award may be entered in any court of competent jurisdiction.
13.2 Class Action Waiver
You and BTCG agree that any arbitration shall be conducted on an individual basis only. You waive the right to participate in any class, collective, or representative action.
13.3 30-Day Opt-Out
If you do not want to be bound by this arbitration agreement, you may opt out by emailing brian@breakthechainsgroup.com within 30 days of your first purchase, stating your full name, the email address used for the purchase, and a clear statement that you opt out of arbitration. Opt-out does not affect the rest of these Terms.
13.4 Carve-Out
This arbitration agreement does not apply to small-claims-court actions, individual injunctive relief for intellectual property infringement, or any claim that cannot be arbitrated as a matter of law.
14. Service of Process
Service of legal process on Break the Chains Group, LLC shall be sent to brian@breakthechainsgroup.com and, if certified mail is required, to:
Break the Chains Group, LLC
30 N Gould St, Ste R
Sheridan, WY 82801
15. Changes to These Terms
BTCG may update these Terms from time to time. Material changes will be posted on this page with a new Effective Date and, where the change affects existing customers, communicated by email at least 14 days before taking effect. Your continued use of BTCG products or services after the Effective Date constitutes acceptance.
16. Entire Agreement; Severability
These Terms, together with our Privacy Policy and Refund Policy, are the entire agreement between you and BTCG regarding BTCG products and services. If any provision is held unenforceable, the remaining provisions remain in full force.
17. Contact
Questions, refund requests, or service of process:
Break the Chains Group, LLC
30 N Gould St, Ste R
Sheridan, WY 82801
brian@breakthechainsgroup.com
Last reviewed by counsel: TBD
Break the Chains Group, LLC, a Wyoming limited liability company