TRUTH-IN-LENDING DISCLOSURE NOTICE

Issued by Limitless Ideas LLC
Effective Date: 04/10/2025

Dear Customer,

This notice is provided to you pursuant to the Truth in Lending Act (TILA), Regulation Z, and applicable Georgia state laws, and is designed to inform you of your legal rights and our obligations regarding the use and extension of credit through Limitless Ideas programs. These disclosures apply to all membership credit accounts, installment purchases, revolving accounts, and financing options offered through our online store or business services.

Purpose of this Disclosure

Under federal and Georgia law, you are entitled to receive clear, understandable information about the cost of credit before you enter into a binding credit agreement. The information below outlines how Limitless Ideas provides credit to eligible customers and the disclosures we are required to make available to you.

Key Credit Terms We Must Disclose Before You Accept Credit

If you are approved for a Limitless Ideas credit membership account, installment account, or other financing product, you will be provided with a clear written agreement containing the following terms:

  1. Annual Percentage Rate (APR) – The cost of your credit as a yearly rate, including any interest and applicable finance charges.

  2. Finance Charge – The dollar amount the credit will cost you, including interest, service fees, or other costs associated with the credit.

  3. Amount Financed – The amount of credit provided to you or on your behalf, excluding finance charges.

  4. Total of Payments – The total amount you will have paid after you have made all scheduled payments, including the principal and finance charges.

  5. Payment Schedule – A breakdown of your payment due dates, the number of payments, and the amount of each payment (weekly, bi-weekly, or monthly, depending on the product).

  6. Late Payment Penalties – Any charges imposed if a scheduled payment is late, including the grace period, if applicable.

  7. Prepayment Policy – Your right to pay off the debt early without penalty, and how prepayment affects finance charges.

  8. Security Interest or Collateral (if any) – If applicable, a description of any asset or property that secures the credit obligation.

  9. Default Terms and Remedies – The rights Limitless Ideas may exercise if you fail to pay as agreed, including potential reporting to credit bureaus and third-party collections.

Timing and Method of Disclosure

  • These terms will be disclosed to you in writing before you become obligated under any Limitless Ideas credit agreement.

  • You will receive this information electronically through our secure application process, and you may also request a paper copy at no additional charge.

  • In accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and Georgia UETA, you must consent to receive these disclosures electronically before proceeding.

Right to Cancel

For certain credit agreements, you may have a legal right to cancel within three (3) business days of signing your agreement. If applicable, this right and instructions for canceling will be included in your contract.

Your Responsibilities as a Borrower

You are responsible for:

  • Review all Truth-in-Lending disclosures before accepting credit.

  • Making timely payments on all approved accounts.

  • Contact us immediately if you believe an error has occurred in your agreement or billing.

  • Retaining a copy of your signed agreement and all disclosure materials for your records.

Requesting Additional Information

You have the right to request further information regarding any disclosure, payment terms, or credit policies at any time. To make a request, contact:

Limitless Ideas LLC
Billing & Compliance Department
Mailing Address: 3000 Windy Hill Road, STE 671612
Marietta, Georgia 30006
Email: Disputes@limitlessideas.com
Business Hours: 10:00 AM to 4:30 PM, Monday through Friday

Acknowledgment

By submitting an application or agreeing to use a Limitless Ideas credit-based service, you acknowledge that:

  • You have received and understood the Truth-in-Lending disclosures.

  • You agree to the terms as presented to you.

  • You understand your rights under federal and Georgia law.

  • You can retain or request a copy of your disclosures at any time.

Important Note About State Law

In addition to federal Truth-in-Lending requirements, Limitless Ideas also complies with the Georgia Retail Installment and Home Solicitation Sales Act and, where applicable, the Georgia Industrial Loan Act. These laws may provide additional rights and protections beyond those described here. All agreements are structured to meet or exceed the minimum requirements under both federal and Georgia statutes.

Thank you for choosing Limitless Ideas. We are proud to offer transparent, compliant, and supportive financial products to help you build credit, grow your business, and pursue your goals with confidence.

Sincerely,
Limitless Ideas Compliance Team