By accessing and using this website or purchasing any services or products offered, you agree to the following terms and conditions:

1. Service Agreement

By purchasing a consultation, credit repair service, or any digital product, you understand and agree that all services are based on the information you provide. You agree to provide truthful, accurate, and up-to-date information during the intake process.

2. Results Disclaimer

While we aim to assist you in improving your credit profile, results may vary based on individual credit reports, history, and the responsiveness of the credit bureaus. We do not guarantee specific results or credit score increases.

3. Digital Product Policy

All services and products (including e-books and consultations) are digital or service-based. Once purchased, they are non-refundable and non-transferable.

4. Chargebacks and Fraudulent Disputes

We take chargebacks and payment fraud seriously. Any attempt to dispute a legitimate charge or file a fraudulent claim will result in immediate termination of services and legal action. All fraudulent disputes will be fully prosecuted to the maximum extent of the law.

5. Client Responsibility

You are responsible for reviewing all materials provided to you, responding in a timely manner, and staying actively involved in your credit repair process. Failure to do so may delay results or hinder progress.

6. Communication

You agree to receive communications related to your services via email, phone, and text. It is your responsibility to ensure your contact information remains updated.

7. Modifications

We reserve the right to update or change these Terms and Conditions at any time. Any changes will be posted on this page, and it is your responsibility to review them periodically.