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Terms and conditions

Effective Date: August 8, 2024 

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Welcome to Consumers Road to Wealth. By accessing or using our services, you agree to comply with and be bound by the following Terms and Conditions. Please read these terms carefully before using our services. 

 

1. Acceptance of Terms 

By using our website or engaging with 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. 

 

2. Services Offered 

Consumers Road to Wealth provides a range of financial services, including but not limited to credit repair, loan consulting, and financial education. Our services are designed to assist individuals and businesses in achieving their financial goals. 

 

3. Eligibility 

You must be at least 18 years of age to use our services. By using our services, you represent that you are of legal age and have the authority to enter into these Terms and Conditions. 

 

4. User Responsibilities 

As a user of our services, you agree to: 

  • Provide accurate, current, and complete information when engaging with our services. 

  • Maintain the confidentiality of your account information and be responsible for all activities that occur under your account. 

  • Notify us immediately of any unauthorized use of your account or any other breach of security. 

  • Use our services only for lawful purposes and in accordance with these Terms and Conditions. 

 

5. Payment and Fees 

  • Fees: Our services may involve fees that are disclosed to you prior to service provision. By using our services, you agree to pay all applicable fees. 

  • Payment Terms: Payments are due upon receipt of the invoice, unless otherwise stated. We reserve the right to charge late fees on overdue payments. 

 

6. No Guarantees 

While we strive to provide effective services, we do not guarantee specific results, including improvements to your credit score or loan approval. All services are provided based on the information you provide, and results may vary based on individual circumstances. 

 

7. Privacy Policy 

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the practices described in our Privacy Policy. 

 

8. Limitation of Liability 

To the fullest extent permitted by law, Consumers Road to Wealth shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services. Our total liability to you shall not exceed the amount you paid for the services. 

 

9. Indemnification 

You agree to indemnify, defend, and hold harmless Consumers Road to Wealth and its affiliates, officers, agents, and employees from any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorney's fees) arising out of your use of our services, violation of these Terms and Conditions, or any infringement of any rights of another party. 

 

10. Modifications to Terms 

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any modifications constitutes your acceptance of the new terms. 

 

11. Governing Law 

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles. Any disputes arising out of or related to these terms shall be resolved in the state or federal courts located in Atlanta, Georgia. 

 

12. Contact Information 

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

Consumers Road to Wealth 
Phone: (706) 588-6355 
Email: contact@consumersroadtowealth.com 
Address: 1100 Peachtree St NE, Suite 200, Atlanta, GA 30309 

 

Refund Policy for Consumers Road to Wealth 

At Consumers Road to Wealth, we are committed to providing our clients with effective credit repair services. Our refund policy is designed to ensure clarity and fairness in our processes. We offer a money-back guarantee for our credit repair services if no deletions are made from your credit report within 90 days of service. This guarantee reflects our confidence in our ability to help improve your credit situation. 

However, please note that refunds will not be issued if any deletions have been successfully made from your credit report during the service period. Additionally, if clients fail to fulfill their responsibilities under their credit repair program—such as timely submitting required documentation or maintaining ongoing payments for credit monitoring services with Smart Credit (which are billed separately and are not included in the one-time fee for credit repair)—the refund policy may be affected. Active participation is crucial to the success of your credit rehabilitation, and failure to uphold these commitments may result in your account being marked as inactive. 

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If your account becomes inactive due to non-compliance, a reactivation fee of $99 will apply should you wish to continue receiving services. Furthermore, if a client becomes unresponsive or "goes missing" for a period exceeding 30 days while enrolled in our credit repair program, this will be considered a breach of the client agreement signed within the client portal. In such cases, the client will no longer be eligible to return to our services. 

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We encourage all clients to maintain open communication and adhere to the program requirements to ensure the best possible outcomes. If you have any questions or need further clarification regarding our refund policy, please do not hesitate to contact us. 

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