Terms & Conditions
These Terms govern use of The Financial Transformation website and services.
1) Acceptance of Terms
By accessing http://www.financialsc.us, submitting information, scheduling a consultation, purchasing a program, or using any services offered by The Financial Transformation (“Company,” “we,” “our,” “us”), you agree to these Terms & Conditions. If you do not agree, do not use the website or services.
2) Nature of Services
The Company provides educational resources, credit education, credit coaching, business credit guidance, and financial coaching (“Services”). The Services are informational and consultative in nature and are not legal advice, financial advice, credit scoring advice from a credit bureau, lending services, or debt relief.
3) No Guarantees / No Results Promised
Outcomes vary based on individual circumstances, consumer reporting data, creditor reporting practices, responsiveness of third parties, and client participation. The Company makes no guarantees regarding deletions, score increases, approvals, timelines, or specific outcomes.
4) Client Responsibilities
- Provide accurate, current, and complete information.
- Review documents and communications promptly and respond when needed.
- Maintain any required third-party accounts (e.g., credit monitoring) if applicable.
- Use the Services for lawful purposes only.
5) Payments, Billing, and Refunds
Fees, billing frequency, and program terms (if applicable) will be disclosed at checkout, in an invoice, or in a separate service agreement. Unless required by law or expressly stated in writing, all sales are final and refunds are not guaranteed. Chargebacks or payment disputes may result in suspension of access to Services.
6) Communication Consent
By providing your contact information, you consent to receive communications from us about your inquiry, account, services, and updates by email, phone, and/or text message. Message and data rates may apply. You may opt out of marketing messages at any time by following the unsubscribe/opt-out instructions.
7) Testimonials and Examples
Testimonials reflect individual experiences and are not a promise of typical results. Any examples, demonstrations, or educational content are for general informational purposes.
8) Intellectual Property
All website content, branding, text, graphics, videos, and materials are owned by the Company or licensed to the Company and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without prior written permission.
9) Prohibited Uses
- Using the website to violate laws or regulations.
- Attempting to gain unauthorized access to systems or data.
- Using the Services to promote fraud, deception, or unlawful activity.
- Posting or transmitting malicious code or harmful content.
10) Third-Party Links
The website may contain links to third-party sites. We are not responsible for third-party content, policies, or practices. Use third-party sites at your own risk.
11) Disclaimer of Warranties
The website and Services are provided “as is” and “as available.” We disclaim all warranties to the fullest extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
12) Limitation of Liability
To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill arising from or related to your use of the website or Services.
13) Indemnification
You agree to indemnify and hold harmless the Company from any claims, damages, liabilities, and expenses arising out of your use of the website or Services, your violation of these Terms, or your violation of any rights of another.
14) Changes to Terms
We may update these Terms from time to time. Changes are effective upon posting on this page. Your continued use of the website or Services constitutes acceptance of the updated Terms.
15) Governing Law
These Terms are governed by the laws of the state in which the Company operates, without regard to conflict of law principles. Any disputes shall be resolved in a court of competent jurisdiction.