Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a flex loan for a trip. I had to cancel the trip. I immediately contacted the company to request a refund. I was told that once the monies have been returned to their account then I could request my down payment. Once I saw the money was returned to their account I called in on July 31st and was told its been escalated to the payment department. Called again on August 5th inquiring about the same money owed. I was then I told I had to wait ************************* their account. Then it could be released to mine in which I had to wait another 3-5 days. Now today August 9th I called and I am being told that the first escalation didnt go through. That theyve received the request on August 5th and now there isnt a release date. On August 5th I was told that I have to wait 60 days to even see that money. Every time I call its something new. This company will hold on to people deposit and refuse to return the funds back to the consumer. I have never experienced this before in my life. I would like my deposit back without any issue. IMMEDIATELY

  

  Business Response

  Date: 08/18/2025

  Hi ********,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 6839.
  
  We sincerely apologize for the experience you've had and thank you for letting us know that our service did not meet your expectations.
  
  After a careful review, we would like to provide clarification regarding your refund.
  
  Our records indicate that the refund was issued to the bank account we have on file on August 11, 2025. Please allow 5 to 7 business days to appear in your account. 
  
  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************.
  
  We appreciate the opportunity to address your concerns.
  
  Thank you,
  
  The Upgrade Team

• Initial Complaint

  Date:08/09/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made two payments to Uplift before my flight was cancelled. I later received confirmation from *************** they refunded my purchase to Uplift/Flexpay. I then recieved an email confirmation from Uplift that they recieved the refund from United and were working to refund my payments minus Uplift interest. I chose to have these funds electronically credited to my bank account and was advised it would take up to ten days to land at my bank and how ever many days it would take my bank to process (3-4). Its been 6 weeks and despite my phone calls and emails with Uplift and their promises of a refund, even telling me in writing I would see the money in my bank account in 2 days, the funds have still not been deposited. This is theft!

  

  Business Response

  Date: 08/18/2025

  Hello Roisin,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 6840.
  
  We sincerely apologize for the experience you've had and thank you for letting us know that our service did not meet your expectations. We will use this feedback in order to improve our overall customer experience. We appreciate you taking the time to bring this to our attention.
  
  Regarding the refund from *************** in the amount of $2,102.81. After our review the refund was applied June 2, 2025. A refund has been sent to you via ACH in the amount of $188.63 on August 11, 2025.
  
  If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************.
  
  Thank you,
  
  The Upgrade Team

• Initial Complaint

  Date:08/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: UPLIFTINC Account #:3456****Balance:$0.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

  

  Business Response

  Date: 08/15/2025

  Hi ******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 6814.
  
  We would like to confirm that the loan ending in 4158 has been transferred to ************************** effective February 23, 2021. A notification regarding this change was sent to the email address associated with your account.
  
  Please note that Upgrade, Inc. will no longer be servicing your loan or accepting payments. Moving forward, *************************, or its authorized agent, will manage your account and reach out to you directly regarding the resolution of your remaining balance.
  
  For any inquiries regarding your account after this date, please refer to **************************
   **************************
   *************************
   Sandy, UT 84070
   Phone Number: ************
   Email Address: *************************
  
  Thank you,
  
  The Upgrade Team

• Initial Complaint

  Date:08/06/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 6/1/2025, I booked a cruise to sail on December 2025 with Carnival Cruise line. On the site Uplift(Flex) offers a payment, so I applied. On 6/4, I received an email stating that based on the information they received they were not able to process by requesting. I started receiving emails from this company about owning them a money payment of $615. In my mind. Thinking its a scam, I go to my Carnival App and theres a balance due and make a $200. On 8/4, my family decided that to cancel the trip, I call Carnival and I discover that this company has paid $3,000 towards this cruise. I called Uplift and they immediately tell me that they are sending my account to collections despite having an email that states that it was not approved. They have submitted it to the ************* for not making payments which I is something that I do not understand. I now how to call Carnival and refund the money to them and I will be responsible for paying any balance on a trip that I am no longer taking and for a loan that was never approved.

  

  Business Response

  Date: 08/15/2025

  Hi ******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 6791.
  
  We have reviewed your information and can confirm that a loan was approved on or about June 1, 2025. To clarify, the declined application as per the previously provided screenshot is in reference to a different application that was submitted July *******. We apologize for any confusion this may have caused.
  
  We are sorry to hear that your purchase did not work out this time. We looked into your account and here is the status: 
   Loan: 252208923073
   Merchant: Carnival Cruise Line
   Order Amount Paid to Merchant: $3,686.00
   Refund Amount from Merchant, as of current: $3,508.00 (one in the amount of $3208.00 and the other for $300.00)
  
  If you would like to discuss the refund amount or time frame from the Merchant; we suggest contacting the Merchant directly to discuss your situation. You can also keep track of your loan status online by logging into your account dashboard.
  
  Here are some common questions and answers for additional reference
  
   Will I get a refund of all the money I paid?
     This is based on your loan agreement and the amount that is refunded back to Upgrade from the Merchant. 
  - If the refund from the Merchant is more than the Balance Owed - Upgrade will apply funds to the balance of your loan. 
  - If the refunded amount is more than your outstanding balance, we will refund that money to you. Note: Interest Accrued and Origination fee are not eligible for refunds.
  - If the refund from the Merchant is less than the Balance Owed - Upgrade will apply the funds to the outstanding balance of your loan. 
  
   How will I get my refund?
     If you are due to receive a refund from Upgrade, we refund back to the original form of payment, for each individual transaction. We will first attempt to process the refund through the same method it was processed. If there are any limitations that prevent this from happening, we will then transition the refund to *****, and then a papercheck as a final solution.
  
   Do I continue to make my Monthly Payment, even if I'm waiting on a refund?
     Yes. Please continue to make your Monthly Payments, to ensure we can continue to report to ******* that the loan is in good standing. If there is a Balance Owed on the loan, this means the loan remains open and is eligible for reporting. 
  
   Why do I still have a balance, if the Merchant processed a refund?
     This is common when the Merchant does not process a full refund. Meaning, the amount Upgrade paid the Merchant, is not the same amount that was refunded back to Upgrade. The best option to find out why funds may have been held, is to reach out directly to the Merchant. 
  
  We hope this information helps address your concerns. If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  
  We appreciate your business and hope to help with your travel plans again in the future!
  
  Thank you,
  
  The Upgrade Team

• Initial Complaint

  Date:08/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received an email advising that my Carnival cruise loan provider changed names to Flexpay by Upgrade and to set up a new account. On Saturday, August 2nd, I created a new account and decided to go ahead and process my monthly payment one day early, for more than the minimum amount and through another bank account. I chose the option to pay more than the minimum to satisfy my monthly payment and I chose to pay on August 2nd when my payment was due on August 3rd. I received an email today advising that my payment was returned for the regular monthly amount. I checked my bank account (not the one I used to pay on 8/2) and sure enough, the payment for my minimum amount attempted to process through and caused an overdraft fee. I immediately called and questioned this with the business and he confirmed the payment I processed on the 2nd for more and through my new account, $233.66, was showing plus the regular monthly payment of $166.66 through my old bank account. I shared what I did on the web site and that verbiage on there led me to believe if I made a payment for more than the minimum amount of $166.66 that would satisfy my monthly payment and the overage would go toward my principal balance. I also shared that when the payment attempted to process through my old account it caused a $19.00 fee that I shouldn't be required to absorb because I followed the rules on their site, made a payment for more than my minimum and before the due date which was August 3rd. This lack of transparency caused me to incur an overdraft fee and the stress of dealing with an email and a phone call that shouldn't have occurred in the first place. My larger payment for $233.66 cleared and should have been sufficient.

  

  Business Response

  Date: 08/14/2025

  Hi *****,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 6789.
  
  We sincerely apologize for the inconvenience you experienced and appreciate you bringing this to our attention. Our goal is to provide every customer with a positive experience, and we hope to have the opportunity to serve you better moving forward.
  
  To review your request for a refund of the overdraft fee, please email a PDF copy of your bank statement clearly showing the fee in question to ************************************** and include the reference number listed above.
  
  We hope this helps address your concern. If you have any additional questions, our Customer Advocacy Team is available at **************, MondayFriday, 7:00 a.m.6:00 p.m. MST, or by email at ***************************************************************.
  
  Thank you,
  
  The Upgrade Team
  

• Initial Complaint

  Date:07/31/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used this service for an airfare that was then cancelled by the airlines, as of today which has been way more than the allowed 10 business days have not received my refund. I have called several times and spoke with 3 different supervisors and they all say they say that the previous supervisor didnt put the refund through and every week it is a new process that and I have to wait *********************************************************************************************************** some kind of interest charge for no reason, it was never used and I made my payments lke I was suppose to.

  

  Business Response

  Date: 08/06/2025

  Hi ******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 6740.
  
  Based on the available information you provided through the Better Business Bureau submission, we are unable to locate your account information to proceed with our investigation.
  
  Please contact our Customer Advocacy Team at **************, Monday- Friday, 7am-6pm MST, or by email at ************************************* so we can continue to review this matter.
  
  Thank you,
  
  The Upgrade Team 

  Customer Answer

  Date: 08/07/2025

   
  Complaint: 23683473
  
  I am rejecting this response because:

  I called in again in response to the issue for the refund, this response states they cant find my account. I called in and as of today they have not done one thing different about my account. I feel they are giving the run around and trying to avoid the BBB complaint. This is all fraud and will continue with all my complaint until this is all resolved.
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 08/12/2025

  Hi ******,
  
  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  Your reference number is 6740.
  
  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  
  We want to thank you for providing us with your feedback and letting us know that our service did not meet your expectations. We will use this feedback in order to improve our overall customer experience. We appreciate you taking the time to bring this to our attention.
  
  Our records indicate that on August 7, 2025, a third party calling on behalf of ****** ******* spoke with a member of our Customer Advocacy Team but declined to complete the authentication process. For security reasons, we were unable to provide assistance, as we cannot disclose or discuss any account information without proper authentication.
  
  If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************.
  
  Thank you,
  
  The Upgrade Team

  Customer Answer

  Date: 08/14/2025

   
  Complaint: 23683473
  
  I am rejecting this response because: I myself called in on this day and was told a refund amount was sent in mail, as of today its past 3 business days as they said it would be expedited and we have now reached middle of August and no money has reached me. They have had my money since July as of now I am under the impression a refund was never sent and probably never will.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:07/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Uplift is stating that I have a past due balance from 06/24/2025 but I paid on 07/11/2025 and they are stating they do show that but they show its past due 28 days to which I have then advised that makes no sense because I paid 07/11/2025 and even if they are showing its 28 days past due thats still not 30 days. No one is helping me I have spoke to about 4 different people regarding this issue. They have already reported to my credit bureau but it is false.

  

  Business Response

  Date: 07/25/2025

  Hi *****,
  
  Thank you for reaching out to us through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6617.

  We apologize for the inconvenience this may have caused.
  
  After a careful review of your account, we would like to provide the following details regarding your payment history: Your scheduled payment due date is the 24th of each month.

  Our records show several attempts to process your payments, with the following outcomes:
  

  - April 25, 2025 A payment attempt was made but returned due to insufficient funds.
  - May 2, 2025 Another payment attempt was made and also returned due to insufficient funds.
  - May 24, 2025 A third attempt was made, but it was again returned due to insufficient funds.
  - May 20, 2025 A successful payment of $186.30 was processed and applied to the April 24 due date.
  - July 11, 2025 A payment of $186.30 was received and applied to the May 24 due date.
  - July 23, 2025 A payment of $186.30 was applied to the June 24 due date.
  - July 23, 2025 An additional payment of $186.30 was received and applied to the July 24 due date.

  You can always view your payment activity and account details by logging into your portal and following the steps below:

  1. Go to the Members Portal - Uplift.
  2. Sign in using the mobile phone number you provided when you applied.
  3. You'll receive a verification code to ensure your information is secure.
  4. Enter the verification code.
  5. Navigate to Loan Details > Payment Activity to view the full payment history.
  

  We understand how important accurate credit reporting is, and we sincerely apologize for any frustration this situation may have caused. After a thorough review, we confirm that all payments have been reported accurately. In accordance with applicable laws and credit reporting regulations, we are required to report information as it appears on the account. Therefore, we are unable to make any changes to the credit reporting at this time.
  

  If you have any additional questions, please do not hesitate to contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 

  We appreciate the opportunity to address your concerns.

  Thank you,

  The Upgrade Team
  
  

  Customer Answer

  Date: 07/26/2025

   
  Complaint: 23643357
  
  I am rejecting this response because: When logging into my portal it only showed a late payment of 06/24/2025 it never shows any other late payment. When I received the notification of it being late on 06/24/2025 I paid it on 07/11/2025. I called and spoke with about 4-5 representatives all the way up to a supervisor when I received the notification of being reported to the credit bureaus. 2 out of the 4 who were extremely rude and not a single one could give me accurate information. They all had a different story about why I was being reported. Some said it was incorrect as i was technically only 28 days late and you all only report at 31 days past due.  and another said I was only 2 weeks late. Another said I was late all the way from March. None of the stories add up. The supervisor said it does not reflect on the portal when you are late and when you make a payment where it is being applied (which it does not) so how is someone supposed to know they are late if the portal shows I am current. Thats very deceitful. I have looked at the statements time and time again and no where does it show a recurring payment being due. Reporting someone when your system does not accurately reflect late payments/ whats owed is not good customer service and its deceptive. 
  
  Sincerely,
  
  ***** Bonfil ********

  

  Business Response

  Date: 07/30/2025

  Hi *****,
  

  Thank you for your additional correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6617.
  

  We sincerely apologize for any frustration or inconvenience this situation may have caused you, and please be assured that we take your concerns very seriously.
  

  We are currently investigating the issue(s) you reported and once we have concluded our investigation a Customer Advocacy Team member will reach out to you directly to discuss the findings and next steps.
  

  If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We appreciate your patience while we review this matter. 
  

  Thank you, 
  

  The Upgrade Team 

  Customer Answer

  Date: 07/31/2025

   
  Complaint: 23643357
  
  I am rejecting this response because: I need a time frame for this resolution.
  
  Sincerely,
  
  ***** Bonfil ********

• Initial Complaint

  Date:07/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Fraudulent charges, unable to be refunded by company.

  

  Business Response

  Date: 07/28/2025

  Hi Chelsea, 
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6599.
  

  We are sorry to hear about your experience and we are currently investigating the issue(s) you reported. Once we have concluded our investigation a Customer Advocacy Team member will reach out to you directly to discuss the findings and next steps within the next 1-3 business days.
  

  We appreciate your patience while we review this matter. If you have any additional questions, please contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  We look forward to speaking with you and resolving this matter!
  

  Thank you, 
  

  The Upgrade Team 
  

  
  

• Initial Complaint

  Date:07/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Flex pay charged me rent til wife in June which I mistakenly paid and they are refusing to refund my money. I spoke with Dayrise apartments manager ****** who advised all of June was paid in full therefore flex pay should not have billed me so I need to get the money back from them. Felt pay advised me that they cannot issue me a refund

  

  Business Response

  Date: 07/25/2025

  Hi *******,
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6579.
  

  We apologize for the confusion this may have caused.
  

  After careful review, the screenshots provided appear to refer to a different company called Get Flex. We are not associated with Get Flex, as we do not manage rental payment transactions.
  

  If you have any questions or concerns with rental payments, we recommend contacting Home - Flex: Rent Solutions and Financial Management  directly.
  

  If you have any additional questions regarding Flex Pay by Upgrade, please do not hesitate to contact our Customer Advocacy Team at ***************, Monday- Friday, 7am-6pm MST, or by email at ***************************************************************.
  
  Thank you,
  

  The Upgrade Team

• Initial Complaint

  Date:07/17/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company just went under new owner ship and will not provide me access to my account with sensitive personal information on it due to them having the wrong phone number on file. I have been trying to get this resolved since 7/3 and sent in all required documents and pictures requested and they just keep going in circles. I do not want this company having my information if they will not provide me access to their website

  

  Business Response

  Date: 07/22/2025

  Hi ****,
  

  Thank you for your correspondence through the Better Business Bureau. We appreciate the opportunity to address your concerns.
  

  Your reference number is 6556. 

  We apologize for the inconvenience this may have caused.

  After carefully reviewing your account we would like to confirm that your phone number was successfully updated on July 17, 2025. 
  

  If you have any additional questions, please contact our Customer Advocacy Team at **************, Monday-Friday, 7am-6pm MST, or by email at ***************************************************************. 
  

  Thank you, 
  

  The Upgrade Team