Terms of service

1.Services Provided: Opulent Credit & Wealth Management provides educational and credit support services designed to help clients better understand their credit profiles, consumer rights, and financial positioning. We are not a law firm and do not provide legal advice. 

2. Right to Cancel (Credit Services – CROA:  In accordance with the Credit Repair Organizations Act (CROA), clients have the right to cancel credit services within three (3) business days of signing the agreement for any reason and without penalty. No services will be performed and no fees will be charged until the three-day cancellation period has expired.

3. Digital Products & Educational Materials: Digital products, including but not limited to e-books, guides, templates, courses, workshops, downloads, and educational resources, are provided for educational purposes only. • All digital product sales are final and non-refundable once access or delivery has been granted. • Digital products are not credit repair services and do not include individualized credit analysis, disputes, or ongoing support unless explicitly stated. • Purchasing a digital product does not establish a client-service relationship. 

4. No Guarantees: Results vary based on individual circumstances. Opulent Credit & Wealth Management does not guarantee specific credit score increases, deletions, approvals, or outcomes.

5. Client Responsibility: Clients agree to provide accurate, complete, and truthful information. Opulent Credit & Wealth Management is not responsible for delays or outcomes caused by incomplete, inaccurate, or withheld information.

6. Payment & Billing: All fees must be paid according to the selected service package or program. Monthly programs require the agreed commitment term (3, 6, or 12 months). Payments become non-refundable once the CROA cancellation period has expired and services begin.

7. Cancellations & Termination: Clients may cancel services after fulfilling their minimum commitment period. Opulent Credit & Wealth Management reserves the right to terminate services for non-payment, non-cooperation, or abusive or fraudulent behavior.

8. Tradelines: Authorized user tradelines, when included, are subject to eligibility, availability, and third-party reporting. Tradeline results are not guaranteed and may be removed at any time by the issuing creditor.

9. Limitation of Liability: Opulent Credit & Wealth Management shall not be held liable for any indirect, incidental, or consequential damages arising from the use of services or digital products.

10. Confidentiality: Client information is kept confidential and used solely for the purpose of providing services, except where disclosure is required by law.

11. Changes to Terms: Opulent Credit & Wealth Management reserves the right to update these Terms of Service at any time. Continued use of services or digital products constitutes acceptance of the updated terms. 

12. Governing Law: These Terms of Service are governed by the laws of the applicable state in which Opulent Credit & Wealth Management operates, in conjunction with applicable federal law.