The Limitless Ideas Membership Benefits are Next Level.

As a member, you’re invited to special events and networking opportunities, including in-person gatherings, virtual masterminds, and VIP experiences. These events are designed to foster community, collaboration, and direct access to expert mentors and industry insiders. Such experiences extend far beyond simple shopping rewards; they reinforce your development and reinforce the value of your commitment.

Moreover, memberships offer ongoing, personalized support combined with the advantage of in-store financing and credit reporting. From one-on-one guidance to strategic tools like business planning, tax-exemption assistance, and project evaluation, each program presents a holistic ecosystem designed to empower your journey. By joining, you’re not just accessing additional products; you’re entering a structured environment dedicated to your sustained success and community impact.

Finally, the membership experience fosters a sense of belonging and shared purpose. You’re joining a community of like-minded individuals focused on personal and professional advancement. This exclusive member environment encourages collaboration, word-of-mouth support, and long-term loyalty, aligning your aspirations with a network that stands behind your vision. 

I. Program Overview & Eligibility Requirements

1. Program Options

Limitless Ideas Store (“LIS”) offers multiple Membership Programs, each tailored to different customer needs and goals (Subject to credit approval). All programs provide access to:

• Signature In-store financing is designed for our unique customer needs

• Ongoing credit reporting that will continue to grow with on-time payments and program incentive completion milestones.

• Structured support services (e.g., coaching, exclusive products purchasing opportunities, other membership benefits).

Program selection and specific benefits will be communicated upon approval. No additional lines of credit beyond the approved program will be offered without a formal upgrade.

2. Prerequisites for Membership

Before acceptance into any Membership Program, the following conditions must be met:

1. Verification of Identity
   By applying, you authorize LIS to verify your identity using personal information (e.g., name, date of birth, social security number, address). This is necessary for compliance with federal identity verification standards.

2. Credit Application Submission
   Applicants must complete and submit the LIS Credit Application form, granting LIS permission to:

   • Obtain and review your consumer credit report(s) from nationally recognized credit reporting agencies, consistent with the Fair Credit Reporting Act (“FCRA”) and Regulation V purposes 

   • Report your credit account history—including positive and negative payment activity—to applicable credit bureaus, in accordance with LIS’s furnisher obligations under FCRA .

   • Each Membership program has a membership application fee that is non-refundable unless no membership option is available for the applying customer. This fee is not counted towards the balance of any membership program.

Both identity verification and credit application are mandatory conditions precedent before formal membership approval.

II. Approval Process & Notification

3. Evaluation and Communication

• Upon receipt of your completed application and identity verification, LIS will initiate credit evaluation in compliance with FCRA permissible purposes (account opening, credit limit decisions).

• Upon approval, LIS will provide written notice via email or telephone that:

  • specifies which Membership Program you were approved for,

  • confirms your assigned line of credit limit,

  • outlines program benefits and obligations, and

  • Includes any additional instructional or activation steps.

This notification constitutes the official communication of your membership terms. No purchases under LIS financing should be made until receipt of this communication.

III. Program Operation & Customer Responsibilities

4. Membership Terms and Benefits

Once enrolled in your designated program (e.g., Fresh Start, ReStart, Entrepreneur):

• You may purchase products under your approved credit limit.

• You will receive access to program‑specific services, including credit education, coaching, or business advisory support as applicable.

• Your payment performance and balance will be reported monthly to credit bureaus. Both timely and missed payments will be included in your overall credit record 

5. Payment Obligations

• Payment defaults or delinquencies may result in adverse credit reporting and possible adjustment, suspension, or termination of your membership credit privileges.

6. Limit Adjustments & Program Changes

• As you demonstrate timely payment performance and program compliance, you may become eligible for increased credit limits or elevated program tiers.

• Any such changes will require:

  1. Submission of supplemental identity or credit documentation; and

  2. LIS’s internal approval consistent with FCRA and applicable underwriting standards.

IV. Legal and Compliance Considerations

7. Compliance with Consumer Rights

• LIS complies with FCRA and Regulation V, including providing:

  • notices regarding your rights to obtain free credit reports annually,

  • dispute and correction options for inaccurate information,

  • formal notice and explanation in the event of adverse actions (e.g., denial or material changes) 

• You may revoke consent for future credit pulls or reporting; however, such revocation will not invalidate prior data obtained or reported, and may result in suspension of your credit benefits.

8. Privacy & Data Security

• LIS adheres to federal privacy laws (FCRA, GLBA) and applicable state regulations to safeguard your personal and credit information. A separate Privacy Disclosure is available for your review.

V. Applicant Acknowledgement

By submitting your Membership Application, you hereby certify and agree that:

• You authorize LIS to verify your identity and obtain your personal credit reports for eligibility evaluation and account management purposes.

• You understand that your payment performance will be reported to credit bureaus and that both positive and negative information may be furnished.

• You will receive official notification of your approved Membership Program and credit terms only after LIS completes its evaluation.

• You acknowledge and accept your responsibility to comply with program terms, payment schedules, and LIS’s policies.

• You recognize your rights under FCRA and understand how to exercise them.