HomeHL Hunt Marketplace Terms and Conditions

HL Hunt Marketplace Terms and Conditions

HL Hunt Marketplace

Terms and Conditions

Effective Date: August 10, 2025


1. Introduction

Welcome to the HL Hunt Marketplace (“Marketplace”), operated by HL Hunt Inc. (“HL Hunt,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of the Marketplace platform, including all products, services, features, and content offered therein (collectively, “Services”). Please read these Terms carefully before using the Marketplace. By accessing or using our Services, you (“User,” “you,” or “your”) agree to be legally bound by these Terms and all applicable laws and regulations. If you do not agree, do not use the Services.


2. Eligibility and Account Registration

2.1 Eligibility. You affirm that you are of legal age to enter into binding contracts in your jurisdiction (at least 18 years old or the age of majority) and possess the legal capacity to use the Marketplace. Use by any individual or entity barred under law is prohibited.

2.2 Account Creation. To access certain Services, you must create a user account, providing truthful, accurate, and complete information. You agree to keep your account information current and confidential. You are responsible for all activity under your account, including any unauthorized use.

2.3 Account Security. You agree to immediately notify HL Hunt of any unauthorized use of your account or other security breaches. HL Hunt is not liable for any loss or damage arising from your failure to protect your account credentials.


3. Description of Services

HL Hunt provides a proprietary, closed-loop marketplace primarily focused on credit-building membership products and tradeline services, which allow users to improve their credit profiles through designated financial products available exclusively on the platform.


4. Payment Terms and Billing

4.1 General Billing Terms

All Services accessed or purchased via the Marketplace require recurring payments according to the subscription plan or product pricing in effect at the time of purchase. All fees are stated in U.S. dollars unless otherwise noted and are exclusive of applicable taxes, which you are responsible for paying.

4.2 Billing Cycle and Payment Due Date

Your billing cycle recurs every thirty (30) days from the date you first purchase or renew a subscription or service (“Billing Cycle”). The full outstanding balance for all Services rendered during the preceding period shall be due on each Billing Cycle date. Payment must be made in full to maintain uninterrupted access.

4.3 Payment Methods and Authorization

By subscribing or purchasing Services, you authorize HL Hunt to automatically charge your designated payment method (credit card, debit card, ACH, or other approved methods) on each Billing Cycle date for the full balance owed. If payment fails, we may retry the charge and will notify you of any failures.

4.4 Payment Failure and Account Suspension

If payment is not received within five (5) calendar days of the Billing Cycle due date, HL Hunt reserves the right to suspend or terminate your access to the Services without prior notice. Continued failure to remit payment may result in permanent account termination and referral to collections.

4.5 Taxes

You are responsible for any applicable sales, use, value-added, or other taxes associated with your use of the Services, excluding taxes based on HL Hunt’s net income.


5. No Refunds and Payment Finality

5.1 No Refund Policy

ALL PAYMENTS MADE THROUGH THE MARKETPLACE ARE FINAL AND NON-REFUNDABLE. HL Hunt DOES NOT PROVIDE REFUNDS, CREDITS, OR CHARGEBACKS UNDER ANY CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO:

  • Partial or non-use of Services;

  • User dissatisfaction or change of mind;

  • Technical difficulties or service interruptions beyond HL Hunt’s reasonable control;

  • Mistaken purchases or billing errors not reported within seven (7) days of the charge;

  • Cancellation or termination of Services by the User or HL Hunt.

5.2 Waiver of Chargebacks

By agreeing to these Terms, you waive any right to dispute charges with your payment provider or financial institution. Any chargebacks initiated without prior authorization may incur penalties, including termination of your account and legal action.


6. Customer Acknowledgment of Billing and Payment Terms

6.1 Billing Disclosure

Upon registration, Users will be provided with clear, conspicuous disclosures regarding billing frequency, amounts due, and no-refund policies. These disclosures are incorporated into these Terms and by accepting them, you acknowledge full understanding and agreement.

6.2 Affirmative Acknowledgment

Prior to activating your account or confirming any purchase, you will be required to provide affirmative acknowledgment (e.g., clicking “I Agree”) confirming that you:

  • Understand payments are due in full every thirty (30) days;

  • Agree to automatic billing on the payment method provided;

  • Accept that all payments are non-refundable and final;

  • Consent to receive electronic invoices and communications regarding billing.

6.3 Invoice and Payment Records

HL Hunt will provide electronic invoices summarizing charges and payments after each Billing Cycle. You agree to review your invoices promptly and report any discrepancies within seven (7) calendar days.


7. Suspension, Termination, and Account Closure

7.1 Suspension for Non-Payment or Breach. HL Hunt reserves the right to suspend or limit your access to the Marketplace immediately upon non-payment or violation of these Terms.

7.2 Termination by HL Hunt. HL Hunt may terminate or restrict your account at its sole discretion for any reason, including misuse, fraudulent activity, or breach of these Terms.

7.3 Effect of Termination. Upon termination, all rights granted to you under these Terms immediately cease. You remain liable for any outstanding fees incurred before termination.


8. User Responsibilities and Conduct

You agree to use the Marketplace solely for lawful purposes and in accordance with these Terms. Prohibited conduct includes but is not limited to:

  • Violating laws or regulations;

  • Fraudulent or deceptive practices;

  • Attempting to bypass or manipulate payment or security systems;

  • Interfering with other Users’ access or HL Hunt’s infrastructure;

  • Using the Services to infringe on intellectual property rights.


9. Intellectual Property

All content, trademarks, logos, software, and materials on the Marketplace are owned by or licensed to HL Hunt and are protected by applicable intellectual property laws. Your use of the Marketplace does not grant you any ownership rights.


10. Disclaimers and Limitation of Liability

10.1 Disclaimer of Warranties. The Marketplace and Services are provided “as is” and “as available” without warranties of any kind. HL Hunt expressly disclaims all implied warranties including merchantability and fitness for a particular purpose.

10.2 Limitation of Liability. To the fullest extent permitted by law, HL Hunt shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Marketplace or inability to access Services.


11. Indemnification

You agree to indemnify and hold harmless HL Hunt, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses arising from your breach of these Terms or misuse of the Marketplace.


12. Governing Law and Dispute Resolution

These Terms and your use of the Marketplace shall be governed by the laws of the Commonwealth of Kentucky, without regard to conflict of law principles. Any disputes arising hereunder shall be resolved by binding arbitration conducted in Louisville, Kentucky, pursuant to the rules of the American Arbitration Association.


13. Amendments to Terms

HL Hunt reserves the right to amend or update these Terms at any time. Changes will be communicated via email and posted on the Marketplace website. Continued use after notice constitutes acceptance of the modified Terms.


14. Contact Information

For billing inquiries, support, or to report disputes, please contact:
HL Hunt Inc.
6844 Bardstown Rd, Louisville, KY 40291
Email: support@hlhunt.org


Customer Acknowledgment Clause

By clicking “I Agree,” registering for the HL Hunt Marketplace, or using any Services:

  • You acknowledge that you have read, understand, and agree to the full Terms and Conditions.

  • You expressly agree that all payments are due every thirty (30) days in full without proration.

  • You understand and accept that payments are non-refundable and final, with no exceptions.

  • You authorize HL Hunt to charge your designated payment method automatically on each billing date.

  • You waive any rights to dispute or chargeback payments without prior written authorization from HL Hunt.

  • You consent to receive electronic invoices and billing communications related to your account.


Thank you for choosing HL Hunt. We look forward to supporting your financial growth through our innovative Marketplace platform.