These Terms & Conditions (“Terms”) govern your use of Loyalty Concepts Consulting LLC’s website, services, and communication channels. By using our services, you agree to these Terms.

1. No Guarantee of Results

Loyalty Concepts Consulting LLC does not guarantee:

The removal of any specific negative item

An increase in credit score

Approval for loans, funding, or credit

A specific outcome within a specific timeframe

Results vary by individual credit profile, creditor/bureau response times, and client participation.

2. Client Responsibilities

Clients agree to:

Provide accurate, truthful information

Maintain an active credit monitoring service

Respond promptly to communications

Upload, mail, or deliver all credit bureau letters received

Review and sign necessary documents

Follow action plans to support improvement

Failure to participate may delay or limit results.

3. Payments & Refund Policy

All payments made are for services rendered and are non-refundable, unless otherwise required by Colorado law.

Monthly service fees cover ongoing work, not guaranteed results.

Chargebacks or payment disputes may result in immediate termination of service.

4. Description of Services

Our services may include:

Credit analysis

Identifying inaccurate, outdated, or unverifiable items

Creating and mailing dispute letters

Credit-building education

Budgeting and financial guidance

We are not a law firm and do not provide legal, tax, or investment advice.

5. Authorization

By enrolling, you authorize us to:

Access your credit reports through your monitoring service

Generate and send dispute communications on your behalf

Share your information with approved partners listed in our Privacy Policy

Use third-party platforms to support business operations

6. No Legal, Tax, or Financial Advice

All information provided is for educational purposes only and should not be considered legal, financial, or tax advice.

7. Cancellation Policy

You may cancel at any time by emailing:
📧 [email protected]

Cancellation stops future service but does not refund previously billed amounts.

8. Limitation of Liability

Loyalty Concepts Consulting LLC is not liable for:

Credit bureau actions, delays, or errors

Client failure to follow action steps

Financial decisions made by clients

Losses resulting from factors outside our control

9. Dispute Resolution

Any disputes must first be addressed through good-faith communication.
If unresolved, disputes shall be governed by the laws of the State of Colorado.

10. Governing Law

These Terms are governed by the laws of the State of Colorado.

11. Contact Information

Loyalty Concepts Consulting LLC
📍 985 Pico Pt, Colorado Springs, Colorado 80905
📧 [email protected]