Terms Of Service

Welcome to E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC. By accessing or using our website, services, or products, you agree to comply with and be bound by the following Terms of Service. Please read them carefully, particularly the sections regarding Services Provided, Payments and Refunds, and Limitation of Liability. If you do not agree, you must not use our website or services.

1. Acceptance of Terms

By using this website, you acknowledge that you have read, understood, and agree to these Terms of Service. These terms apply to all visitors, users, and clients of E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC.

2. Services Provided and Limitation of Guarantees ⚠️

E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC provides educational and business consulting services, including resources, coaching, and strategies focused on financial management, responsible credit utilization, and understanding funding opportunities. The scope of services is subject to change.

Crucial Disclaimer: You acknowledge that we are not a Credit Repair Organization as defined under federal or state law, nor are we a licensed financial advisor, lender, or credit issuer. We do not make any promise, guarantee, or warranty regarding specific financial outcomes, credit score increases, loan approvals, or debt resolution. Our services are educational and consultative only. Your results depend on your individual circumstances and actions.

3. Eligibility

By using this website, you confirm that you are at least 18 years of age and legally able to enter into binding agreements under applicable law.

4. Use of Website

You agree to use this website only for lawful purposes. You must not use the website in any way that could damage, disable, or interfere with the website’s functionality or security.

5. Payments, Billing, and Refund Policy 💰

All payments for services must be made in accordance with the terms provided at the time of purchase. You agree to provide current, complete, and accurate purchase and account information.

Refund Policy: Due to the immediate access to proprietary, digital content and the scheduling of consultative time, all sales are generally final and non-refundable. However, we are committed to customer satisfaction. Refunds may be considered only if the services were demonstrably not rendered or if the request is submitted within 48 hours of the initial purchase and no substantial part of the proprietary content (e.g., guides, recordings, coaching calls) has been accessed or scheduled. Refunds, if granted, will be processed at the company’s discretion and may be subject to a reasonable administrative fee.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any material without written consent.

7. Privacy Policy

Your use of this website is also governed by our Privacy Policy. By using our services, you consent to the collection and use of your information as outlined in the Privacy Policy.

8. Limitation of Liability and Financial Responsibility ⚖️

E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC, its officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use or inability to use our services or website.

No Financial or Legal Advice: Our services and content are for informational and educational purposes only and do not constitute professional financial, legal, tax, or investment advice. You are solely responsible for your own financial decisions and outcomes. We strongly recommend consulting a qualified professional before making any financial or credit-related decisions.

9. Indemnification

You agree to indemnify and hold harmless E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC, its officers, employees, and expenses resulting from your use of the website or services.

10. Governing Law

These Terms of Service shall be governed by and construed under the laws of the State of Florida, United States, without regard to its conflict of law principles. Any disputes shall be resolved in the state or federal courts located in Orange County, Florida.

11. Modifications to Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Continued use of the website after changes constitutes acceptance of the new terms.

12. Contact Information

For questions about these Terms of Service, please contact us at:

Email: [email protected]

Address: 9594 NW 41ST ST STE 210 Doral FL 33178

Phone: (407) 675-0860