Propel Terms & Conditions, Monthly Subscription Model 

There are important terms and conditions associated with the Propel program offered by Consumer Credit Counseling Service of the Midwest, Inc. dba Apprisen (Apprisen). You must read, understand, and accept these terms and conditions before enrolling in and using Propel program services. You should review these terms and conditions regularly, as they may change from time to time. If Apprisen amends this Agreement or other terms of services, you will be notified before the changes take effect by any reasonable means, including by posting the change here, or by e-mail. Should you not agree to the change, you must cancel your subscription prior to the effective date of the change. Otherwise, the new terms will apply to you.

Subscriber Terms and Conditions

1. Description of Services

The term “services” means the services offered in connection with your subscription to the Propel program. By subscribing, you will be provided with a toll-free telephone number and email address to receive personalized financial coaching on demand from an Apprisen’s Financial Services Specialist. The services also include an annual financial health check-up with an Apprisen Financial Services Specialist and access to exclusive financial education content.

2. Enrolling In the Program

When registering for services, you must provide us with accurate, complete and current information. It is your responsibility to inform us of any changes to your subscription service details. You may update your information by contacting the Propel team at 800-677-9098 or via e-mail at [email protected]. By submitting your address and/or e-mail address, you understand that you may receive promotional offers from Apprisen. You may opt out of receiving any such offers at any time by contacting the Propel team at the phone number or e-mail address provided above.

3. Billing and Fees

With the purchase of a subscription, the credit/debit card you provided will be charged the first monthly subscription fee on the date you subscribe, and then monthly thereafter on or about the same day of the month as your initial subscription payment. Your subscription will remain in effect, and you will be charged on a monthly basis until you notify Apprisen to cancel your subscription.

You remain responsible for all charges in the event your credit/debit card expires or otherwise becomes invalid. Your subscription does not automatically terminate.

Apprisen is not responsible for fees and charges that you may incur to access the services provided in connection with the Propel program. This includes, but is not limited to Telephone, Internet Service Provider, or other Telecommunications related fees, charges, and taxes.

4. Privacy Policy

By enrolling and using our Services, you agree to our Privacy Policy.

5. Changes, Cancellations, and Refunds

Apprisen may add, delete, or change features of the Propel program at any time for any reason. Apprisen may also cancel or suspend your subscription at any time without notice and for any reason, including breach of this contract or your failure to pay fees you owe to us. If your subscription is canceled, your right to receive services ceases immediately. Cancellation of your subscription will not relieve you of your existing obligation to pay charges due on your account. If Apprisen terminates your subscription without cause, you will be refunded a pro-rate portion of payments you have previously made for future services to occur after the termination of your subscription. No refunds will be made related to time periods during which your subscription was active.

You may cancel your subscription at any time and for any reason. Apprisen’s Propel program subscription services are continuous in nature. To avoid additional charges, you must cancel your subscription by contacting our Propel team at 800-677-9098 or via e-mail at [email protected]. If your subscription is cancelled after your credit/debit card was charged, a pro-rated refund may be due, based upon your cancellation date.

6. Client Rights

We pledge that our clients have the right:

• To prompt counseling services for managing money based on their financial situation;
• To be treated with dignity and respect;
• To be actively involved in a comprehensive assessment of their financial situation including an appropriate action plan;
• To express dissatisfaction through a Complaint Resolution Process;
• To discontinue their relationship with our agency at any time;
• To ask questions and have concerns addressed.

7. Nondiscrimination Policy

Apprisen serves all members of the community. We do not engage in the practices of discrimination in the selection and participation of clients in our programs or services with respect to race, religion, color, gender, national origin, or handicap.

8. Complaint Resolution

We are committed to providing you with high quality professional service. However, if you are not satisfied with the services provided or if you want to make a complaint, we ask that you follow these guidelines:

• Step One: Try to resolve the issue with the staff member involved giving him or her specific information about your complaint.
• Step Two: If Step One is not possible or the issue is not resolved to your satisfaction call (800) 355-2227 and ask to be directed to the appropriate supervisor.  The supervisor may request a meeting with you (phone or face-to-face) or seek more information from a staff person.  The supervisor will respond within 3 business days to inform you that the issue is being researched.
• Step Three: If your issue is still unresolved you may appeal in writing directly to the President, at 690 Taylor Rd. Ste 150, Gahanna, OH 43230. After additional fact finding, you will receive a concluding decision within 15 days.

9. Limitation of Liability

You agree to hold Apprisen, its employees, agents, and volunteers harmless from any claim, suit, action or demand of my creditors, myself, or any other person resulting from advice or counseling. Apprisen is not qualified to and does not provide legal or tax advice.

10. Notice

Any notices or communications required or permitted to be given under these Terms and Conditions must be given in writing and personally delivered, mailed, or transmitted by electronic mail transmission to the other party. Notices to Apprisen must be sent by mail to 690 Taylor Rd. Ste 150, Gahanna, OH 43230 or e-mail transmission to [email protected]. Apprisen will provide notices and communications required or permitted by these Terms and Conditions to you by e-mail at the address specified during the registration process, or to any other e-mail address you may have subsequently provided to us.

11. Entire Agreement

These Terms and Conditions set forth the understanding among the Parties concerning the subject matter of these Terms and Conditions. No covenants, promised, agreements, conditions or understandings, either oral or written, exist between the Parties relating to the subject matter of these Terms and Conditions other than those set forth herin.

12. Severability

In the event that any term or provision of these Terms and Conditions is declared invalid or void by statute or judicial decision, the remaining parts shall not be affected and shall remain in full force and effect.

13. Applicable Law

The laws of the State of Ohio will govern with regard to the interpretation of these Terms and Conditions or of any dispute arising thereunder. The parties hereto agree that the venue for any action concerning, relating to or involving these Terms and Conditions shall be Franklin County, Ohio, and the parties hereby consent to the jurisdiction of the courts in Franklin County, Ohio.