Terms and Conditions

TERMS AND CONDITIONS

Last Updated: 06/24/2025

1. ACCEPTANCE OF TERMS

• By accessing and using thekmconsulting.com (the "Website") and services provided by KM Consulting LLC ("Company," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Website or services.

2. COMPANY INFORMATION

• KM Consulting LLC Location: Charlotte, NC 
• Website: thekmconsulting.com 
• Services: Credit repair, business credit consulting, and financial education

3. SERVICES DESCRIPTION

We provide:

• Personal credit repair and analysis
• Business credit consulting
• Credit education and coaching
• Financial literacy training
• Digital courses and educational materials

4. USER RESPONSIBILITIES

You agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account information
• Use our services for lawful purposes only
• Not interfere with the Website's functionality
• Comply with all applicable laws and regulations

5. SERVICE LIMITATIONS

Important Disclaimers

• We cannot guarantee specific credit score improvements
• Results vary based on individual circumstances
• Credit repair is a process that takes time
• We are not a law firm and do not provide legal advice
• We are not a credit counseling agency as defined by federal law

6. PAYMENT TERMS

• All fees must be paid as agreed upon in service contracts
• Payments are non-refundable unless otherwise specified
• We reserve the right to suspend services for non-payment
• Prices are subject to change with notice

7. INTELLECTUAL PROPERTY

All content on this Website, including:

• Text, graphics, logos, and images
• Course materials and educational content
• Software and website design
• Trademarks and service marks

Are the exclusive property of KM Consulting LLC and protected by copyright and trademark laws.

8. PRIVACY AND DATA PROTECTION

Your privacy is important to us. Please review our Privacy Policy, which governs the collection and use of your personal information. By using our services, you consent to our data practices as described in our Privacy Policy.

9. WEBSITE USAGE

Permitted Uses:

• Accessing information about our services
• Submitting contact forms and inquiries
• Purchasing and accessing digital products

Prohibited Uses:

• Attempting to hack or disrupt the Website
• Uploading malicious software or content
• Violating any applicable laws
• Infringing on intellectual property rights

10. THIRD-PARTY SERVICES

Our Website utilizes:

• Google reCAPTCHA (subject to Google's Terms of Service)
• GoDaddy Website Builder platform
• Payment processing services

Use of these services is subject to their respective terms and conditions.

11. DISCLAIMERS

SERVICE DISCLAIMER: Our services are provided "as is" without warranties of any kind. We make no guarantees regarding:

• Specific credit score improvements
• Timeline for results
• Approval for credit or loans

WEBSITE DISCLAIMER: We strive to keep information accurate but make no warranties regarding:

• Website availability or uptime
• Accuracy of information
• Freedom from errors or viruses

12. LIMITATION OF LIABILITY

To the maximum extent permitted by law, KM Consulting LLC shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Damages exceeding the amount paid for services
• Issues arising from third-party services or websites

13. INDEMNIFICATION

You agree to indemnify and hold harmless KM Consulting LLC from any claims, damages, or expenses arising from:

• Your use of our services or Website
• Your violation of these Terms and Conditions
• Your violation of any third-party rights

14. TERMINATION

We reserve the right to:

• Terminate or suspend your access to services
• Modify or discontinue the Website
• Refuse service to anyone at our discretion

You may terminate your use of our services at any time by discontinuing use of the Website.

15. GOVERNING LAW

These Terms and Conditions are governed by the laws of North Carolina, United States. Any disputes will be resolved in the courts of North Carolina.

16. CHANGES TO TERMS

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services constitutes acceptance of modified terms.

17. SEVERABILITY

If any provision of these Terms and Conditions is found to be unenforceable, the remaining provisions will remain in full force and effect.

18. CONTACT INFORMATION

For questions about these Terms and Conditions, please contact us through:

• Website: thekmconsulting.com
• Contact form available on our website

19. ENTIRE AGREEMENT

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and KM Consulting LLC regarding use of our Website and services.