Terms and Conditions

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

These terms apply to all visitors, users, and customers of Solvency's credit repair services, including but not limited to:

• Website visitors and users
• Credit repair service clients
• Consultation and audit service recipients
• Educational program participants
• Business credit service users

Solvency provides credit repair and financial consulting services, including:

• Credit Repair Services: Analysis and dispute of inaccurate credit report items
• Credit Audits: Comprehensive review of credit reports and identification of issues
• Credit Education: Educational resources and guidance on credit management
• Business Credit Services: Assistance with establishing and improving business credit
• Financial Consulting: Professional advice on financial planning and credit strategies

We do not guarantee specific results, as credit repair outcomes depend on various factors including the accuracy of disputed items and individual circumstances.

As a client of our services, you agree to:

• Provide accurate and complete information about your credit situation
• Cooperate with our credit repair process and respond to requests promptly
• Maintain current contact information and notify us of any changes
• Pay all agreed-upon fees for services rendered
• Not engage in any fraudulent activities or provide false information
• Follow our recommendations and guidance for optimal results

Failure to fulfill these responsibilities may result in termination of services without refund.

Service Fees

All fees for our services are clearly stated in our service agreements and pricing plans. Payment is required as follows:

• Initial consultation fees are due at the time of booking
• Credit repair service fees are typically charged monthly or as agreed
• One-time services must be paid in full before service delivery
• All fees are non-refundable unless otherwise specified

Late Payments

Late payments may result in service suspension and additional fees. We reserve the right to charge interest on overdue amounts.

Important limitations and disclaimers regarding our services:

• No Guaranteed Results: We cannot guarantee specific credit score improvements or removal of specific items
• Individual Results May Vary: Success depends on individual circumstances and credit history
• Legal Compliance: We operate within applicable laws and regulations
• Third-Party Dependencies: Results depend on credit bureaus and creditors' responses
• Timeframes: Credit repair is a process that typically takes several months

We provide professional services but cannot control external factors that may affect outcomes.

All content on our website and materials provided as part of our services are protected by intellectual property laws:

• Website content, design, and functionality are owned by Solvency
• Educational materials and resources are for personal use only
• You may not reproduce, distribute, or modify our materials without permission
• Our trademarks and service marks are protected under applicable laws

You agree not to engage in any of the following prohibited activities:

• Providing false or misleading information to us or credit bureaus
• Attempting to access unauthorized areas of our website or systems
• Interfering with the proper functioning of our services
• Using our services for any illegal or fraudulent purposes
• Sharing your account credentials with unauthorized persons
• Attempting to reverse engineer or copy our proprietary technology

Violation of these prohibitions may result in immediate termination of services and legal action.

To the maximum extent permitted by law, Solvency's liability is limited as follows:

• We are not liable for indirect, incidental, or consequential damages
• Our total liability shall not exceed the amount paid for services
• We are not responsible for decisions made based on our advice
• We do not guarantee specific financial outcomes or credit score improvements
• We are not liable for delays caused by third parties or external factors

Services may be terminated under the following circumstances:

• By Client: You may cancel services with written notice as per your service agreement
• By Solvency: We may terminate services for non-payment, violation of terms, or fraudulent activity
• Automatic Termination: Services may end upon completion of agreed-upon work

Upon termination, you will remain responsible for any outstanding fees and we will provide you with a final summary of work completed.

These terms are governed by the laws of the jurisdiction where Solvency operates. Any disputes will be resolved through:

• Good faith negotiation between parties
• Mediation if direct resolution is not possible
• Arbitration as a final resolution method
• Legal action only as a last resort

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Continued use of our services after changes constitutes acceptance of the new terms.

If you have questions about these Terms and Conditions, please contact us:

Last Updated: January 15, 2024