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

This Membership Program Credit Application Disclosure sets forth the terms, conditions, and legal authorizations associated with applying for a Membership Credit Account through Limitless Ideas. By submitting an application for participation in any of Limitless Ideas’ proprietary membership programs—specifically, but not limited to, the ReStart, Fresh Start, or Entrepreneur Membership Programs—the applicant acknowledges and consents to the performance of identity verification protocols and a soft inquiry (commonly referred to as a “soft pull”) of the applicant’s credit report for the sole purpose of determining eligibility for an internal credit arrangement. Limitless Ideas is not a financial institution or lender but operates a credit system for use exclusively within its designated store and platform.

Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681b(c), a soft inquiry is permissible where the consumer has provided explicit written or electronic consent for pre-qualification and account review purposes. A soft inquiry does not affect the applicant’s credit score and is not visible to third-party users of the applicant’s credit profile. Additionally, in accordance with the Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. § 6801, Limitless Ideas has a legal duty to safeguard consumer financial information and disclose how that information is used and stored. Accordingly, by submitting this application, the applicant authorizes Limitless Ideas to access their credit information and personal identifiers solely for evaluating eligibility for a Membership Credit Account.

As a condition precedent to the review and processing of the application, the applicant must remit the full membership fee applicable to the selected Membership Program. This membership fee is mandatory, non-waivable, and is not to be construed as a deposit or credit toward the applicant’s in-store credit limit. Failure to remit payment of the appropriate membership fee at the time of application will result in the application being deemed incomplete and administratively rejected without further review. The membership fee covers internal processing, identity verification, account structuring, onboarding into the selected membership tier, and access to exclusive membership credit privileges.

Upon receipt of a completed application and full membership fee, Limitless Ideas will evaluate the submission within seventy-two (72) business hours. Notification of the application outcome, including whether the applicant has been approved and, if so, the initial credit limit and terms of use, will be delivered via the contact information provided. Applicants are advised to ensure that their email address and telephone number are accurate and monitored regularly. Any approval granted is conditional and revocable and shall remain subject to ongoing compliance with Limitless Ideas’ Terms of Use, Privacy Policy, Membership Program Rules, and internal creditworthiness assessments.

By submitting the application and rendering payment of the applicable membership fee, the applicant affirms their full understanding and acceptance of all Limitless Ideas policies, agrees to the performance of a soft credit inquiry in accordance with federal law, and consents to Limitless Ideas reporting payment activity to one or more consumer credit reporting agencies. Further, the applicant acknowledges that the Membership Credit Account shall be utilized exclusively for Limitless Ideas products, services, and related benefits, and shall not be transferrable, shareable, or redeemable outside of the Limitless Ideas platform. The submission of the application constitutes a binding agreement to the terms herein, and no review of the application shall occur in the absence of full and timely payment of the required membership fee.

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.

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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.

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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.

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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.

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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.