THESE TERMS OF USE (“TERMS”) GOVERN YOUR ACCESS AND USE OF Fx your score’S WEBSITE, SERVICES, COACHING PROGRAMS, AND DIGITAL CONTENT. 

1. ACCEPTANCE OF TERMS 

BY USING THIS WEBSITE OR ENROLLING IN OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, PLEASE DO NOT USE OUR SITE OR SERVICES. 

2. HOW WE USE YOUR INFORMATION

We use your data to:

- Set up and manage your account

- Provide customer support via SMS or email

- Deliver coaching and educational services

- Analyze service usage and improve our offerings

3. Communication Consent

BY PROVIDING YOUR PHONE NUMBER OR EMAIL AND CHECKING THE APPROPRIATE OPT-IN BOX, YOU AGREE TO RECEIVE COMMUNICATION FROM fx your score LLC, INCLUDING APPOINTMENT REMINDERS, UPDATES, AND AnY PROMOTIONal MESSAGES.

By submitting your contact information, you agree to receive communications from FX your Score LLC, including educational updates, account information, and service announcements via email or SMS.

You can unsubscribe from these communications at any time by clicking the “unsubscribe” link in any email or replying “STOP” to SMS messages.

We comply with the CAN-SPAM Act and applicable state/federal regulations to protect your privacy.

4. Opt-Out and Help

To opt out of SMS messages, reply STOP. To receive support, reply HELP or contact us via email or phone. Opting out may affect service communications.

5. SERVICES OFFERED 

FX your score llc. PROVIDES CREDIT EDUCATION, PERSONAL FINANCE COACHING, AND GOAL-BASED ACCOUNTABILITY SUPPORT. WE DO NOT PROVIDE LEGAL OR FINANCIAL ADVICE AND WE DO NOT OFFER DIRECT CREDIT REPAIR SERVICES SUCH AS FILING DISPUTES ON YOUR BEHALF. 

6. DISCLAIMER OF RESULTS 

WE CANNOT GUARANTEE SPECIFIC OUTCOMES OR CREDIT SCORE IMPROVEMENTS. COACHING IS EDUCATIONAL IN NATURE, AND YOUR RESULTS DEPEND ON YOUR OWN IMPLEMENTATION AND FINANCIAL HABITS. 

7. PAYMENTS & CANCELLATIONS 

PAYMENT TERMS ARE CLEARLY LISTED AT THE TIME OF BOOKING. NO REFUNDS WILL BE PROVIDED AFTER SERVICES HAVE BEEN RENDERED UNLESS OTHERWISE STATED IN WRITING. YOU MAY CANCEL OR RESCHEDULE APPOINTMENTS BY PROVIDING AT LEAST 24 HOURS' NOTICE. 

8. PROHIBITED USES 

YOU AGREE NOT TO:

● USE OUR CONTENT FOR UNLAWFUL PURPOSES 

● COPY OR REDISTRIBUTE PROPRIETARY MATERIALS WITHOUT PERMISSION

● MISREPRESENT YOUR IDENTITY OR FINANCIAL SITUATION 

9. INTELLECTUAL PROPERTY 

ALL CONTENT PROVIDED BY FX Your Score LLC —INCLUDING VIDEOS, DOWNLOADS, COURSE MATERIAL, LOGOS, AND WRITTEN CONTENT—IS THE PROPERTY OF FX Your Score LLC AND MAY NOT BE USED OR REPURPOSED WITHOUT WRITTEN CONSENT. 

10. LIMITATION OF LIABILITY 

WE ARE NOT LIABLE FOR ANY INDIRECT OR CONSEQUENTIAL LOSSES ARISING FROM YOUR USE OF THIS SITE, COACHING PROGRAMS, OR COMMUNICATIONS. YOU USE OUR SERVICES AT YOUR OWN RISK. 

11. GOVERNING LAW 

THESE TERMS ARE GOVERNED BY THE LAWS OF THE STATE OF TEXAS ANY DISPUTES WILL BE RESOLVED IN A COURT OF COMPETENT JURISDICTION IN Williamson county, Texas 

12. CONTACT US 

IF YOU HAVE QUESTIONS ABOUT THESE TERMS OR OUR SERVICES, PLEASE CONTACT: 

FX Your Score LLC

PHONE: 512-755-2429 

EMAIL:[email protected] 

WEBSITE: FXYourscore.com 

13. COMPLIANCE WITH CROA 

FX Your Score LLC IS A COACHING AND EDUCATION PROVIDER. WE DO NOT PROVIDE CREDIT REPAIR SERVICES AS DEFINED UNDER THE CREDIT REPAIR ORGANIZATIONS ACT (CROA). WE DO NOT FILE CREDIT BUREAU DISPUTES

OR REMOVE INFORMATION FROM YOUR CREDIT REPORT ON YOUR BEHALF. OUR ROLE IS TO EDUCATE AND SUPPORT CLIENTS IN LEARNING HOW TO TAKE INDEPENDENT ACTION TO IMPROVE THEIR CREDIT PROFILE AND FINANCIAL LITERACY.

15. NO LEGAL OR FINANCIAL ADVICE 

COACHING SERVICES AND CONTENT PROVIDED BY FX Your Score LLC ARE FOR EDUCATIONAL PURPOSES ONLY AND ARE NOT A SUBSTITUTE FOR LEGAL, FINANCIAL, OR ACCOUNTING ADVICE. YOU SHOULD CONSULT WITH A LICENSED ATTORNEY, CPA, OR FINANCIAL ADVISOR BEFORE MAKING ANY CREDIT-RELATED DECISIONS. 

16. CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW 

IN COMPLIANCE WITH THE CREDIT REPAIR ORGANIZATIONS ACT (CROA), FX Your SCORE LLC PROVIDES THE FOLLOWING NOTICE TO ALL CLIENTS: 

YOU HAVE A RIGHT TO DISPUTE INACCURATE INFORMATION IN YOUR CREDIT REPORT BY CONTACTING THE CREDIT BUREAU DIRECTLY. HOWEVER, NEITHER YOU NOR ANY "CREDIT REPAIR" COMPANY OR CREDIT REPAIR ORGANIZATION HAS THE RIGHT TO HAVE ACCURATE, CURRENT, AND VERIFIABLE INFORMATION REMOVED FROM YOUR CREDIT REPORT. THE CREDIT BUREAU MUST REMOVE ACCURATE, NEGATIVE INFORMATION FROM YOUR REPORT ONLY IF IT IS OVER 7 YEARS OLD. BANKRUPTCY INFORMATION CAN BE REPORTED FOR 10 YEARS. 

YOU HAVE A RIGHT TO OBTAIN A COPY OF YOUR CREDIT REPORT FROM A CREDIT BUREAU. YOU MAY BE CHARGED A REASONABLE FEE. THERE IS NO FEE, HOWEVER, IF YOU HAVE BEEN TURNED DOWN FOR CREDIT, EMPLOYMENT, INSURANCE, OR A RENTAL DWELLING BECAUSE OF INFORMATION IN YOUR CREDIT REPORT WITHIN THE PRECEDING 60 DAYS.

THE CREDIT BUREAU MUST PROVIDE SOMEONE TO HELP YOU INTERPRET THE INFORMATION IN YOUR CREDIT FILE. 

YOU ARE ENTITLED TO RECEIVE A FREE COPY OF YOUR CREDIT REPORT IF YOU ARE UNEMPLOYED AND INTEND TO APPLY FOR EMPLOYMENT IN THE NEXT 60 DAYS, IF YOU ARE RECEIVING PUBLIC WELFARE ASSISTANCE, OR IF YOU BELIEVE THAT THERE IS INACCURATE INFORMATION IN YOUR CREDIT REPORT DUE TO FRAUD. 

YOU HAVE A RIGHT TO SUE A CREDIT REPAIR ORGANIZATION THAT VIOLATES THE CREDIT REPAIR ORGANIZATIONS ACT. THIS LAW PROHIBITS DECEPTIVE PRACTICES BY CREDIT REPAIR ORGANIZATIONS. 

YOU HAVE THE RIGHT TO CANCEL YOUR CONTRACT WITH ANY CREDIT REPAIR ORGANIZATION FOR ANY REASON WITHIN 3 BUSINESS DAYS FROM THE DATE YOU SIGNED IT. 

CREDIT BUREAUS ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ENSURE THAT THE INFORMATION THEY REPORT IS ACCURATE. HOWEVER, MISTAKES MAY OCCUR. 

YOU MAY, ON YOUR OWN, NOTIFY A CREDIT BUREAU IN WRITING THAT YOU DISPUTE THE ACCURACY OF INFORMATION IN YOUR CREDIT FILE. THE CREDIT BUREAU MUST THEN REINVESTIGATE AND MODIFY OR REMOVE INACCURATE OR INCOMPLETE INFORMATION. THE CREDIT BUREAU MAY NOT CHARGE ANY FEE FOR THIS SERVICE. ANY PERTINENT INFORMATION AND COPIES OF ALL DOCUMENTS YOU HAVE CONCERNING AN ERROR SHOULD BE GIVEN TO THE CREDIT BUREAU. 

IF THE CREDIT BUREAU’S REINVESTIGATION DOES NOT RESOLVE THE DISPUTE TO YOUR SATISFACTION, YOU MAY SEND A BRIEF STATEMENT TO THE CREDIT BUREAU TO BE KEPT IN YOUR FILE, EXPLAINING WHY YOU THINK THE RECORD IS INACCURATE. THE CREDIT BUREAU MUST INCLUDE A SUMMARY OF YOUR STATEMENT ABOUT DISPUTED INFORMATION WITH ANY REPORT IT ISSUES ABOUT YOU. 

THIS DISCLOSURE IS PROVIDED FOR COMPLIANCE PURPOSES AND DOES NOT CONSTITUTE LEGAL ADVICE.