Privacy Policy
Effective Date:03/07/2025
Last Updated: 03/07/2025
At T&S Business Consulting we are committed to protecting your personal information and your right to privacy. This Privacy Policy outlines how we collect, use, and protect your personal data when you visit our website or use our credit repair services.
1. Information We Collect
When you visit our website or sign up for our services, we may collect the following information:
Personal Information – Name, email address, phone number, mailing address, and payment details. Credit Information – Credit reports, credit scores, and related financial details required for credit repair services. Technical Data – IP address, browser type, and website interaction data to improve user
experience.
2. How We Use Your Information
We use the information collected for the following purposes:
To provide and improve our credit repair services To communicate updates, special offers, and important service-related information To comply with legal obligations and industry regulations To prevent fraud, security threats, and unauthorized access
3. How We Protect Your Information
We implement strict security measures to protect your personal information from unauthorized access, misuse, or disclosure. This includes encryption, secure databases, and access controls.
4. Sharing of Information
We do not sell, trade, or rent your personal information to third parties. However, we may share necessary details with credit bureaus, financial institutions, and legal authorities when required by law.
5. Your Rights and Choices
You have the right to:
Request a copy of the personal data we hold about you. Request corrections to any inaccurate information. Opt-out of marketing communications at any time.
For inquiries regarding your personal data, email us at [email protected].
Terms and Conditions
By accessing and using T&S Business Consulting’s website and services, you agree to the following terms and conditions:
1. Services Provided:
We provide credit repair services, including credit report analysis, dispute processing, and credit-building guidance. Our services are designed to assist clients in improving their credit profiles but do not guarantee specific results such as score increases or loan approvals.
2. Client Responsibilities To ensure successful credit repair, clients must: Provide accurate and complete personal and credit information. Follow all credit-building advice and financial recommendations. Avoid applying for excessive credit during the repair process. Refrain from disputing accounts on their own while enrolled in our services.
3. No Guarantees or Financial Advice
T&S Business Consulting does not offer legal or financial advice. Credit repair results vary based on
individual credit profiles, creditor responses, and other external factors. We do not guarantee credit
score improvements or specific deletions from credit reports.
4. Refund Policy
Clients may be eligible for a refund under the conditions outlined in our Refund Policy. Refunds will
not be issued for services already rendered.
5. Limitation of Liability
T&S Business Consulting is not responsible for any financial decisions, loan denials, or adverse actions taken by creditors, lenders, or financial institutions based on your credit profile. Clients acknowledge that credit repair is a process that requires patience and cooperation.
6. Termination of Services
We reserve the right to terminate services if:
A client provides false or misleading information. A client engages in fraudulent activities or disputes accounts dishonestly. A client fails to follow our instructions regarding credit-building recommendations.
7. Governing Law
These Terms and Conditions are governed by the laws of South Carolina/USA. Any disputes shall be resolved through arbitration.
8. Changes to This Policy
We reserve the right to update these Terms and Conditions at any time. Clients will be notified of significant changes.
Questions? Contact us at [email protected]
Refund Policy
At T&S Business Consulting, we are committed to providing high-quality credit repair services designed to help you improve your financial standing. While we strive to deliver results, we understand that circumstances may arise where a refund request is necessary. Please review our Refund Policy below.
Eligibility for a Refund:
You may qualify for a refund if ALL of the following conditions are met: You have actively participated in the program for at least 120 days and followed all required steps. We have not successfully removed any inaccurate, outdated, or unverifiable negative items from your credit report. You have not added new negative accounts (such as late payments, collections, or excessive inquiries) during the service period. You have submitted all required documents and followed our guidance on maintaining positive credit habits. You have not disputed items on your own during the service period.
Non-Refundable Circumstances:
If you cancel services before the 120-day minimum service period has been completed. If you fail to provide the necessary documents or information needed to complete disputes. If you add new late payments, collections, charge-offs, or negative items while enrolled in our services. If you dispute accounts on your own or take actions that interfere with the dispute process. If you decide to stop services on your own without allowing time for disputes to process. If you were previously informed that certain accounts were valid and unlikely to be removed, but you chose to continue services.
Refund Request Process:
If you meet the refund criteria, you may submit a refund request by emailing
[email protected] with the subject line: “Refund Request – [Your Name]. Your request will be reviewed, and you will receive a response within 10 business days. Approved refunds will be processed within 14 business days to your original form of payment.
We Are Here to Help!
We take pride in providing honest, ethical, and effective credit repair services. If you have concerns
about your progress, please reach out to our team before requesting a refund so we can assist you
further. Got questions? Contact us anytime at [email protected].
Money-Back Guarantee
At T&S Business Consulting, we are committed to providing high-quality credit repair services with integrity and transparency. Your success is our priority, and we stand behind our work with a 100% Money-Back Guarantee.
Our Promise to You:
If we do not successfully remove any inaccurate, outdated, or unverifiable negative items from your credit report within 120 days of actively working on your file, you are eligible for a full refund of our service fees.
Eligibility for a Refund:
You have completed the full 120-day program and followed all recommendations. You have not added any new negative accounts (such as late payments, collections, or inquiries). You have maintained all financial responsibilities, such as paying bills on time and not defaulting on current accounts. You have not disputed any items on your own during our service period. You have submitted all necessary documentation in a timely manner.