Terms of Service

By accessing our website, scheduling a consultation, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

If you do not agree to these terms, please do not use our website or services.

Thomas & Company Solutions provides credit literacy education and assistance services, including but not limited to:

• Education about rights under the Fair Credit Reporting Act (FCRA)
• Assistance in reviewing credit reports for inaccurate, incomplete, or unverifiable information
• Guidance on challenging credit report items through factual and Metro 2 challenging methods
• Financial literacy education and credit management strategies
• Support in working toward regaining financial standing

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information
• Reside in the United States
• Agree to comply with all applicable laws and regulations

As a client, you agree to:

• Provide truthful, accurate, and complete information about your credit and financial situation
• Review your credit reports and identify items you believe are inaccurate, incomplete, or unverifiable
• Respond promptly to requests for information or documentation
• Follow our guidance and recommendations in good faith
• Notify us immediately of any changes to your contact information
• Not use our services for any unlawful or fraudulent purpose
• Not misrepresent information to credit bureaus or creditors

Our free initial consultation includes:

• Review of your credit situation and concerns
• Education about your rights under the FCRA
• Discussion of potential strategies and approaches
• Explanation of our services and processes
• No obligation to proceed with paid services

Consultations are scheduled through our Zoom Scheduler and conducted via video conference. By scheduling a consultation, you consent to the recording of the session for quality assurance and training purposes.

We expressly disclaim any guarantees or warranties regarding:

• Specific credit score improvements or increases
• Removal of accurate negative items from credit reports
• Timeline for credit bureau responses or outcomes
• Approval for loans, credit cards, or other financial products
• Future creditworthiness or lending decisions

Results vary significantly based on individual circumstances, the accuracy of challenged information, credit bureau responses, creditor cooperation, and numerous other factors beyond our control.

To the fullest extent permitted by law:

• Thomas & Company Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services
• Our total liability for any claims shall not exceed the amount paid by you for our services in the 12 months preceding the claim
• We are not responsible for actions or inactions of credit bureaus, creditors, or other third parties
• We are not liable for any credit decisions made by lenders or financial institutions
• We are not responsible for technical issues, website downtime, or data loss beyond our reasonable control

All content on this website, including text, graphics, logos, and images, is the property of Thomas & Company Solutions or its licensors and is protected by copyright and intellectual property laws.

You may not:

• Copy, reproduce, or distribute our content without written permission
• Use our trademarks, logos, or branding without authorization
• Modify, reverse engineer, or create derivative works from our materials
• Use automated systems to scrape or extract data from our website

We maintain strict confidentiality of all client information in accordance with FCRA requirements and our Privacy Policy. However, you acknowledge that:

• We may be required to disclose information pursuant to legal process or government requests
• Information may be shared with service providers necessary to deliver our services
• Anonymized, aggregated data may be used for statistical or business purposes

Your Rights: You may terminate our services at any time by providing written notice. If you are a client with a service agreement, cancellation terms will be governed by that agreement and CROA requirements.

Our Rights: We reserve the right to terminate or suspend services if you:

• Violate these Terms of Service
• Provide false or misleading information
• Engage in fraudulent or illegal activities
• Fail to cooperate or respond to reasonable requests
• Abuse, harass, or threaten our staff

Informal Resolution: If you have a concern or complaint, please contact us first at [email protected] or (205) 718-8858. We will work in good faith to resolve the issue.

Arbitration: Any disputes that cannot be resolved informally shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Alabama.

Class Action Waiver: You agree to resolve disputes on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to our website. Material changes will be communicated via:

• Prominent notice on our website
• Email notification to active clients
• Updated "Effective Date" at the top of this page

Your continued use of our services after changes constitutes acceptance of the modified terms.