These Website Terms of Service (“Terms”) govern your access to and use of the website, customer portal, online forms, communications tools, educational content, and other online services operated by AJS Financial Solutions, LLC, a limited liability company (“Company,” “we,” “us,” or “our”), including the website located at ajsfinancialsolutions.com and any related online features that link to these Terms (collectively, the “Site”).
By accessing or using the Site, submitting information through the Site, creating an account, scheduling a consultation, purchasing or enrolling in services, or otherwise communicating with us through the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Site.
Article 1 — Scope of These Terms
1.01 Website terms only. These Terms govern use of the Site and related online features. If you enroll in credit repair, credit monitoring assistance, document preparation, dispute support, or related services (collectively, “Services”), those Services may be governed by a separate written service agreement, disclosures, authorizations, payment terms, notice, and other required documents (collectively, the “Service Agreement”).
1.02 Conflict with Service Agreement. If these Terms conflict with the Service Agreement for paid Services, the Service Agreement shall govern solely with respect to the paid Services covered by that Service Agreement, and these Terms continue to govern your access to and use of the Site.
1.03 No waiver of consumer rights. Nothing in these Terms waives or limits any non-waivable rights you may have under applicable consumer protection, credit repair, credit services organization, consumer reporting, privacy, electronic communications, or other applicable laws.
Article 2 — Eligibility and Account Registration
2.01 Eligibility. You may use the Site only if you are at least eighteen years old, reside in the United States, and have the legal capacity to enter into these Terms.
2.02 Account information. If you create an account or customer portal you must provide current, complete, and accurate information and keep that information updated.
2.03 Account security. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You must promptly notify us at infos@ajsfinancialsolutions.com if you believe your account or credentials have been compromised.
2.04 No unauthorized access. You may not access or attempt to access another person’s account, impersonate another, or submit information on behalf of another person unless you have lawful authority to do so.
Article 3 — Credit Repair Services and Important Consumer Disclosures
3.01 Nature of Services. The Services may include any of those credit repair services expressly listed on the client’s Service Agreement, which may involve reviewing information you provide, assisting with preparation of credit-related correspondence, helping identify potentially inaccurate, unverifiable, incomplete, obsolete, or misleading information, and providing education regarding credit-reporting and credit-management topics.
3.02 No guaranteed results. We do not guarantee that your credit score will increase, that any specific item will be removed from or changed on any credit report, that any creditor, furnisher, collection agency, or consumer reporting agency will take any particular action, or that any specific financial benefit or product will be obtained.
3.03 Your right to dispute information yourself. You have the right to contact consumer reporting agencies, creditors, furnishers, and collection agencies directly and to dispute inaccurate, incomplete, unverifiable, obsolete, or misleading information yourself without a third party.
3.04 Accurate information may remain. Accurate, current, and verifiable negative information generally may remain on a credit report for the period permitted by law. We do not provide, endorse, or participate in any effort to create, alter, or misrepresent your identity, Social Security number, employer identification number, residence, income, debt obligations, or other material information.
3.05 No unlawful advance fees. We will not require or receive payment for credit repair services in a manner prohibited by applicable law. Specific pricing, billing, payment timing, and cancellation mechanics are set forth in the applicable Service Agreement and related disclosures.
i. Written disclosures and cancellation rights. Before you become obligated to pay for credit repair services, we may be required to provide written disclosures, a written contract, and a cancellation notice. Any legally required cancellation period, cancellation form, refund right, or related notice will be provided in the applicable Service Agreement or related documents.
ii. Customer cooperation. The effectiveness of the Services depends on your timely, truthful, and complete cooperation, including providing requested documents, reviewing correspondence, maintaining accurate contact information, and promptly notifying us of changes to your credit reports, accounts, disputes, addresses, contact information, or relevant circumstances.
Article 4 — No Legal, Tax, Financial, or Credit-Granting Advice
4.01 Educational and administrative services. The Site and Services are for credit education, credit repair support, document assistance, account administration, and related consumer-information purposes only.
4.02 No professional advice. We do not provide legal, tax, accounting, investment, bankruptcy, debt-settlement, lending, mortgage, real estate, or financial-planning advice unless expressly stated in a separate written agreement signed by us.
4.03 No lender or credit bureau relationship. We are not a consumer reporting agency, creditor, lender, mortgage broker, loan originator, debt collector, law firm, governmental agency, or credit bureau, unless expressly stated otherwise in a separate written disclosure.
4.04 Independent decisions. You are solely responsible for decisions regarding credit applications, payments, settlements, loans, mortgages, debt management, bankruptcy, taxes, legal claims, and financial transactions.
Article 5 — User Information, Authorizations, and Communications
5.01 Information you provide. You represent that all information, documents, authorizations, signatures, and communications you provide to us are truthful, accurate, complete, and submitted by you or with lawful authority.
5.02 Authorization to act. Certain Services may require written authorization for us to communicate with consumer reporting agencies, creditors, furnishers, collection agencies, identity-verification providers, portal providers, or other third parties. We will not use such authorization beyond the scope permitted by the applicable Service Agreement, authorization, and applicable law.
5.03 Electronic records and signatures. You consent to receive and sign disclosures, agreements, authorizations, notices, and other records electronically, subject to any separate electronic consent we provide. You may request paper copies or withdraw electronic consent as described in the applicable electronic consent disclosure, but withdrawal may affect our ability to provide Services.
5.04 Calls, texts, and emails. By providing contact information, you authorize us to contact you regarding inquiries, accounts, appointments, documents, billing, Services, and related matters by mail, telephone, email, text message, customer portal, or other lawful means. Marketing communications are subject to any required consent and opt-out rights.
5.05 Sensitive information. You should submit sensitive personal, financial, identity, or credit-related information only through methods we authorize. We are not responsible for the security of sensitive information you transmit through unauthorized channels.
Article 6 — Fees, Payments, Refunds, and Cancellations
6.01 Fees. Fees for Services, if any, are particularly described in the applicable Service Agreement, order form, checkout page, invoice, or pricing schedule.
6.02 Payment method. If you provide a payment method, you authorize us and our payment processors to charge that payment method for amounts due in accordance with the applicable payment terms, subject to all legally required restrictions.
6.03 Taxes and third-party charges. Unless otherwise stated, fees do not include taxes, credit report fees, identity verification charges, postage, notary charges, governmental charges, third-party subscription charges, or other third-party fees.
6.04 Refunds. Refund eligibility, if any, is governed by the applicable Service Agreement and legally required cancellation rights as set out in both the Texas and Federal Notices.
6.05 Cancellation. Your cancellation rights and procedures are described in the applicable Service Agreement and cancellation notice.
6.06 Chargebacks. You agree to contact us at infos@ajsfinancialsolutions.com before initiating a chargeback so that we may attempt to resolve billing issues, except where applicable law gives you a non-waivable right to proceed otherwise.
Article 7 — Acceptable Use of the Site
7.01 Permitted use. You may use the Site only for lawful personal, household, and consumer purposes related to evaluating or receiving our Services.
7.02 Prohibited conduct. You may not:
A. Misuse the Site. Use the Site for unlawful, fraudulent, deceptive, abusive, harassing, defamatory, infringing, or harmful purposes.
B. Submit false information. Submit false, altered, misleading, stolen, unauthorized, or incomplete information, documents, signatures, authorizations, identity credentials, financial records, credit records, or account information.
C. Interfere with operations. Interfere with, disrupt, overload, damage, reverse engineer, scrape, crawl, copy, monitor, or attempt to gain unauthorized access to the Site, our systems, or any user account.
D. Upload harmful code. Upload, transmit, or introduce malware, viruses, scripts, bots, or other harmful code.
E. Violate third-party rights. Infringe or misappropriate intellectual property, privacy, publicity, contractual, or other rights of any person.
F. Commercial exploitation. Resell, sublicense, copy, frame, mirror, or commercially exploit the Site or its content without our prior written consent.
7.03 Suspension. We may suspend, restrict, or terminate access to the Site if we reasonably believe you have violated these Terms, created legal or security risk, failed to pay undisputed amounts when due, or misused the Site.
Article 8 — Intellectual Property
8.01 Company materials. The Site, including text, graphics, templates, workflows, forms, software, page layouts, logos, trade names, service names, videos, audio, educational materials, and other content provided by us (collectively, “Company Materials”), is owned by us or our licensors and is protected by intellectual property and other laws.
8.02 Limited license. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site and Company Materials solely for your personal, lawful, non-commercial use in evaluating or receiving our Services.
8.03 Restrictions. You may not copy, modify, distribute, publish, transmit, display, perform, sell, license, create derivative works from, or exploit Company Materials except as expressly permitted by us in writing.
8.04 Feedback. If you provide suggestions, comments, reviews, ideas, or feedback regarding the Site or Services, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use that feedback for any lawful business purpose without compensation to you, provided that we will not publicly disclose your sensitive personal information except as permitted by our Privacy Policy and applicable law.
Article 9 — User Content and Submitted Materials
9.01 User content. “User Content” means information, documents, data, images, messages, dispute materials, account records, credit reports, identity documents, financial documents, and other content you submit, upload, transmit, or otherwise provide through or in connection with the Site or Services.
9.02 Your ownership. As between you and us, you retain ownership of your User Content, subject to the license granted in these Terms and any applicable Service Agreement.
9.03 License to use User Content. You grant us a non-exclusive, worldwide, royalty-free license to host, copy, transmit, display, process, store, use, and disclose User Content as reasonably necessary to operate the Site, provide Services, administer your account, communicate with you, process payments, comply with law, enforce agreements, prevent fraud, protect security, and otherwise perform our obligations.
9.04 Your responsibility. You are responsible for the accuracy, legality, and completeness of User Content and for obtaining any permissions required to provide it to us.
9.05 Retention. We may retain User Content in accordance with our Privacy Policy, Service Agreement, legal obligations, dispute-resolution needs, security requirements, and records-retention practices.
Article 10 — Privacy and Data Security
10.01 Privacy Policy. Our collection, use, disclosure, retention, and protection of personal information are described in our Privacy Policy, as updated from time to time.
10.02 No absolute security. We use administrative, technical, and physical safeguards designed to protect information, but no website, transmission, storage system, or electronic processing method is completely secure.
10.03 Third-party services. The Site may use third-party providers for hosting, payment processing, customer portals, identity verification, analytics, communications, scheduling, document management, or other business purposes. Third-party services may be governed by their own terms and privacy practices.
10.04 Security incidents. You must promptly notify us at infos@ajsfinancialsolutions.com if you believe your account, credentials, device, email account, or information submitted to us may have been compromised.
Article 11 — Third-Party Links, Tools, and Resources
11.01 Third-party resources. The Site may reference third-party websites, portals, tools, payment processors, credit report providers, educational materials, or other resources. We do not control and are not responsible for third-party content, products, services, policies, practices, or security.
11.02 No endorsement. References to third-party resources do not imply endorsement, sponsorship, agency, partnership, or responsibility for those resources.
11.03 Third-party charges. You are responsible for third-party fees or charges you authorize, including charges for credit reports, identity verification, postage, subscriptions, or other services not expressly included in our fees.
Article 12 — Disclaimers
12.01 Site provided as available. The Site and Company Materials are provided on an “as is” and “as available” basis, subject to any express written obligations in an applicable Service Agreement.
12.02 No implied warranties. To the fullest extent permitted by law, we disclaim all warranties not expressly stated in writing, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and uninterrupted or error-free operation.
12.03 No guarantee of outcomes. We do not warrant or guarantee credit score increases, tradeline deletion, creditor action, consumer reporting agency action, loan approval, interest rate reduction, debt resolution, employment outcome, housing approval, insurance approval, or any other financial or credit-related result.
12.04 Information may change. Educational content on the Site may not reflect the most current legal, credit, financial, or regulatory developments and may be changed or removed without notice.
12.05 Consumer law limitations. Some warranties or rights cannot be excluded under applicable law. The disclaimers in these Terms apply only to the fullest extent permitted by law.
Article 13 — Limitation of Liability
13.01 Excluded damages. To the fullest extent permitted by law, neither we nor our owners, officers, directors, managers, employees, contractors, agents, representatives, vendors, licensors, successors, or assigns will be liable for indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages; lost profits; lost revenue; lost business opportunity; loss of goodwill; loss of data; credit denial; financing denial; or reputational harm arising out of or relating to the Site, Services, these Terms, or any Service Agreement, even if advised of the possibility of such damages.
13.02 LIABILITY CAP. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SITE, SERVICES, THESE TERMS, OR ANY SERVICE AGREEMENT WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID TO US FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE THREE MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.
13.03 Exceptions. The limitations in this Article do not limit liability to the extent such limitation is prohibited by applicable law, including liability arising from intentional misconduct, fraud, or other claims that cannot lawfully be limited.
13.04 Basis of bargain. You acknowledge that the disclaimers, exclusions, and limitations in these Terms are material terms and that we would not make the Site or Services available on the same economic terms without them.
Article 14 — Indemnification
14.01 Your indemnity. To the fullest extent permitted by law, you will indemnify, defend, and hold harmless the Company and its owners, officers, directors, managers, employees, contractors, agents, representatives, vendors, licensors, successors, and assigns from and against all claims, demands, actions, losses, liabilities, damages, judgments, penalties, fines, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:
A. Your breach. Your breach of these Terms or any applicable Service Agreement.
B. Your information. User Content or other information you provide that is false, misleading, unauthorized, incomplete, infringing, or unlawful.
C. Your misuse. Your misuse of the Site or Services.
D. Third-party rights. Your violation of any third-party rights or applicable law.
14.02 Indemnity procedures. We may control the defense and settlement of any indemnified claim. You must cooperate reasonably in the defense. You may not settle any claim in a manner that imposes liability, admission, obligation, or restriction on us without our prior written consent.
Article 15 — Termination
15.01 Termination by you. You may stop using the Site at any time. Termination or cancellation of paid Services is governed by the applicable Service Agreement and legally required cancellation procedures.
15.02 Termination or suspension by us. We may suspend or terminate your access to the Site if we reasonably determine that you violated these Terms, failed to pay undisputed amounts when due, created legal or security risk, interfered with Site operations, or submitted false or unauthorized information.
15.03 Effect of termination. Upon termination, your right to access the Site and Company Materials ceases immediately, but provisions that by their nature should survive will survive, including provisions concerning intellectual property, payment obligations, disclaimers, limitations of liability, indemnification, dispute resolution, governing law, and miscellaneous terms.
15.04 Data retention after termination. Termination does not require us to delete records that we retain for legal compliance, accounting, security, fraud prevention, dispute resolution, backup, or legitimate business purposes, subject to our Privacy Policy and applicable law.
Article 16 — Dispute Resolution, Arbitration, and Class Action Waiver
16.01 Informal resolution. Before filing any lawsuit, arbitration, or other proceeding, you and we agree to attempt in good faith to resolve disputes by written notice and informal discussion for at least thirty days after notice is received, unless emergency equitable relief is necessary or applicable law prohibits such a requirement.
16.02 Notice of dispute. A dispute notice must describe the nature of the dispute, the relief requested, and the facts supporting the claim, and must be sent in accordance with Article 19.
16.03 Arbitration. The parties agree that any dispute, claim, or controversy arising out of or relating to the Site, Services, these Terms, or any Service Agreement will be resolved by binding arbitration conducted under the rules of the American Arbitration Association, except for claims that may be brought in small claims court and claims for emergency injunctive or equitable relief.
16.04 Arbitration Location & Procedures. The arbitration will occur in Bexar County, Texas, unless the parties agree otherwise or the arbitration administrator requires a different consumer-protective procedure. The arbitrator may award any relief available in court on an individual basis, subject to these Terms and applicable law.
16.05 Class Action Waiver. To the fullest extent permitted by law, disputes must be brought only on an individual basis, and neither party may bring or participate in any class, collective, consolidated, private attorney general, or representative proceeding.
Article 17 — Governing Law
17.01 Texas law. These Terms are governed by the laws of the State of Texas, without regard to any conflict-of-law rules that would attempt to apply the laws of another jurisdiction.
17.02 Consumer protections. Nothing in these Terms deprives you of mandatory consumer protection rights that apply under the law of your state of residence if those rights cannot lawfully be waived or limited.
Article 18 — Changes to the Site or Terms
18.01 Site changes. We may modify, suspend, or discontinue all or part of the Site at any time, with or without notice, subject to any express obligations in a Service Agreement.
18.02 Terms changes. We may update these Terms from time to time by posting revised Terms on the Site or by providing other notice as appropriate.
18.03 Effective date of changes. Updated Terms are effective as of the stated effective date. Your continued use of the Site after updated Terms become effective constitutes acceptance of the updated Terms, except where applicable law requires additional consent.
18.04 Service Agreement changes. Changes to these Terms do not amend a signed Service Agreement unless the Service Agreement permits amendment in that manner or you otherwise agree in writing.
Article 19 — Notices and Contact Information
19.01 Notices to us. Notices to us must be sent to:
AJS Financial Solutions, LLC
12370 Potranco Rd., Suite 207 #465
San Antonio, Texas 78253
Email: infos@ajsfinancialsolutions.com
19.02 Notices to you. We may provide notices to you by email, customer portal, mail, text message, in-product notice, or posting on the Site, using the contact information associated with your account or inquiry.
19.03 Customer support. Questions regarding the Site or Services may be directed to infos@ajsfinancialsolutions.com.
19.04 Billing support. Questions regarding billing may be directed to infos@ajsfinancialsolutions.com.
19.05 Privacy and security. Privacy or security questions may be directed to infos@ajsfinancialsolutions.com.
Article 20 — Miscellaneous
20.01 Entire agreement. These Terms, together with any policies or terms incorporated by reference, constitute the entire agreement between you and us regarding use of the Site. Any Service Agreement constitutes the entire agreement regarding the paid Services covered by that Service Agreement, subject to its terms.
20.02 Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, change of control, or transfer of business operations, or to an affiliate or successor.
20.03 No waiver. No waiver of any provision of these Terms is effective unless in writing and signed by the party granting the waiver. Failure to enforce a provision is not a waiver.
20.04 Severability. If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions will remain in effect, and the invalid, illegal, or unenforceable provision will be modified to the minimum extent necessary to make it valid, legal, and enforceable, if permitted by law.
20.05 Force majeure. We are not liable for delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, labor disputes, war, terrorism, civil unrest, governmental action, utility failures, telecommunications failures, cyberattacks, vendor outages, payment network failures, or other events beyond our reasonable control.
20.06 Relationship of parties. These Terms do not create a partnership, joint venture, agency, fiduciary, employment, or franchise relationship between you and us.
20.07 Headings. Headings are for convenience only and do not affect interpretation.
20.08 Construction. The words “including,” “include,” and similar terms mean “including without limitation.” The singular includes the plural and the plural includes the singular as the context requires.
20.09 Survival. Any provision that by its nature should survive termination survives termination, including payment obligations, intellectual property rights, disclaimers, limitations of liability, indemnities, governing law, dispute resolution, and notice provisions.