TERMS & CONDITIONS

Loyalty Concepts Consulting LLC

Effective Date: May 21, 2022

Welcome to Loyalty Concepts Consulting LLC (“Company,” “we,” “our,” or “us”). By accessing this website, scheduling consultations, purchasing services, downloading digital products, or otherwise using our website and services, you agree to comply with and be bound by the following Terms and Conditions.

If you do not agree with these Terms and Conditions, please do not use this website or our services.

1. SERVICES PROVIDED

Loyalty Concepts Consulting LLC provides financial wellness education, budgeting assistance, credit consulting, credit rebuilding guidance, financial literacy resources, homeownership readiness guidance, digital educational materials, resume assistance, and related consulting services.

Services are provided virtually to clients across the United States where permitted by law.

All services provided are educational and consulting-based in nature.

2. ELIGIBILITY

By using this website or our services, you confirm that:

you are at least 18 years old, you are legally able to enter into agreements, all information provided is accurate and truthful.

3. NO GUARANTEE OF RESULTS

Loyalty Concepts Consulting LLC does not guarantee:

specific credit score increases, account deletions, vender approvals, funding approvals, mortgage approvals, financial approvals, debt elimination, business funding, or any other specific financial outcome.

All results vary based on:

each client’s unique credit profile, financial behavior, payment history, participation, creditor reporting practices, and outside financial institutions.

Past results do not guarantee future outcomes.

4. EARNINGS & RESULTS DISCLAIMER

Any testimonials, examples, educational materials, marketing statements, or success stories shared by Loyalty Concepts Consulting LLC are provided for informational and illustrative purposes only.

Individual financial, business, or credit-related results will vary and are not guaranteed.

We do not make guarantees regarding:

income, earnings, funding, business success, financial growth, or credit outcomes.

Clients accept full responsibility for their own financial decisions and actions.

5. CLIENT RESPONSIBILITIES

Clients agree to:

provide truthful and accurate information, submit requested documentation in a timely manner, maintain communication throughout services, maintain required credit monitoring services if applicable, make payments according to agreed payment schedules, avoid submitting fraudulent, misleading, or false information.

Failure to cooperate may delay, limit, pause, or terminate services.

6. PAYMENT TERMS

Certain services require:

initial service fees, recurring monthly payments, consultation fees, digital product purchases, or other agreed payment arrangements.

By purchasing services, clients authorize Loyalty Concepts Consulting LLC to charge the payment method provided.

Failure to make timely payments may result in:

suspension of services, delayed processing, cancellation of services, denial of future services, collection efforts where permitted by law.

Prices and services are subject to change without notice.

7. CANCELLATION & REFUND POLICY

Clients may cancel services within three (3) business days of signing their agreement where applicable by law.

After the cancellation period:

payments made are non-refundable, consultation fees are non-refundable, digital product purchases are non-refundable, and fees paid for services already initiated are non- refundable.

Refunds are not guaranteed once:

administrative work, strategy preparation, onboarding, consultation time, or service processing has begun.

Chargebacks made without proper communication or valid justification may be disputed by the Company using documented agreements and communication records.

8. ELECTRONIC COMMUNICATIONS & CONSENT

By using our website or services, clients consent to receive:

emails, text messages, invoices, reminders, marketing communications, appointment confirmations, and electronic documents.

Electronic signatures, acknowledgments, agreements, and communications shall be considered legally binding to the fullest extent permitted by law.

Clients may opt out of marketing communications at any time.

9. THIRD-PARTY SERVICES

Loyalty Concepts Consulting LLC may utilize third-party platforms and providers including but not limited to:

payment processors, scheduling software, credit monitoring providers, CRM systems, communication tools, and affiliate services.

We are not responsible for: third-party outages, technical failures, data breaches, platform policy changes, interruptions, or actions taken by third-party providers.

Clients are encouraged to review all third-party policies separately.

10. DISCLAIMER OF WARRANTIES

All services, website content, digital products, and materials provided by Loyalty Concepts Consulting LLC are provided “as is” and “as available” without warranties of any kind, either express or implied.

We disclaim all warranties including but not limited to:

merchantability, fitness for a particular purpose, reliability, uninterrupted service, accuracy, non-infringement, or guaranteed results.

We do not warrant that services will meet every client’s expectations or financial goals.

11. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Loyalty Concepts Consulting LLC shall not be liable for:

indirect damages, incidental damages, consequential damages, special damages, punitive damages, lost profits, denied applications, lender decisions, financial losses, credit decisions, website interruptions, or third-party system failures.

Clients use services at their own discretion and risk.

12. INTELLECTUAL PROPERTY

All content owned by Loyalty Concepts Consulting LLC including:

l ogos, branding, graphics, digital products, worksheets, educational materials, forms, text, website designs, videos, and downloadable content

are protected intellectual property and may not be copied, reproduced, modified, distributed, sold, or reused without written permission.

13. WEBSITE USE RESTRICTIONS

Users agree not to:

misuse this website, commit fraud, attempt unauthorized access, upload malicious software, interfere with website functionality, impersonate others,

copy proprietary materials,

or use this website for unlawful purposes.

Violation of these Terms may result in termination of access and possible legal action.

14. PRIVACY

Use of this website is also governed by our Privacy Policy.

By using this website, you consent to the collection and use of information as described within the Privacy Policy.

15. GOVERNING LAW

These Terms and Conditions shall be governed by and interpreted under the laws of the State of Colorado, without regard to conflict of law principles.

Any disputes arising under these Terms shall be handled in the appropriate courts located within the State of Colorado where legally permitted.

16. MODIFICATIONS TO TERMS

Loyalty Concepts Consulting LLC reserves the right to modify, update, or change these Terms and Conditions at any time without prior notice.

Updated Terms become effective immediately upon posting to the website.

Continued use of the website or services constitutes acceptance of any revised Terms.

Loyalty Concepts Consulting LLC
Colorado Springs, Colorado
Phone: 346-552-7730
Email: [email protected]