Terms & Conditions

Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the site.

Educational Nature of Services

369 Consulting provides financial education and consulting focused on consumer credit literacy, consumer rights awareness, and personal finance knowledge. All content, courses, resources, and consultations are provided for educational purposes only.

369 Consulting is not a law firm, credit repair organization, credit services organization, lender, or financial advisory firm. Nothing on this site constitutes legal, tax, investment, or credit repair advice.

We do not promise or guarantee any specific credit score increase, the removal or deletion of any information from any credit report, or any particular financial outcome.

Intellectual Property

All content on this site — including text, graphics, logos, courses, and downloadable resources — is the property of 369 Consulting and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

Purchased or downloaded resources are licensed for your personal, non-commercial use only.

Payments and Refunds

Where paid courses, resources, or consultations are offered, pricing is displayed at the time of purchase. Unless otherwise stated, digital products are not refundable once delivered. Consultation cancellation and rescheduling terms will be communicated at booking.

User Responsibilities

You agree to provide accurate information when submitting forms, to use the site lawfully, and not to attempt to disrupt or compromise the site's security or availability.

Limitation of Liability

To the fullest extent permitted by law, 369 Consulting shall not be liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on its educational content. Decisions about your finances are your own; consider consulting a licensed professional for advice specific to your situation.

Third-Party Links

This site may link to third-party websites for reference or convenience. We are not responsible for the content, accuracy, or practices of third-party sites.

Changes to These Terms

We may revise these Terms & Conditions at any time. Continued use of the site after changes are posted constitutes acceptance of the revised terms.