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Terms & Conditions

Effective Date: September 1, 2025
Last Updated: September 1, 2025

Welcome to TwelveOne Financial Solutions (“we,” “our,” or “us”). By accessing or using our website, digital platforms, or related services, you agree to comply with and be bound by the following Terms and Conditions. Please read this policy carefully, as it governs your use of our content, materials, and credit repair services.

1. Purpose of Website Content
The materials, resources, and information provided on this website are for educational and informational purposes only. They are designed to help you understand the credit repair, financial literacy, and credit-building services that TwelveOne Financial Solutions offers to its clients.

These materials do not constitute legal, financial, or professional advice, nor are they a substitute for consultation with a licensed attorney, accountant, or financial advisor. The results of any credit-related matter may vary depending on individual circumstances, credit history, and applicable law.

No reader, visitor, or client should act solely based on the information contained on this website without seeking appropriate professional guidance relevant to their specific situation.

2. No Attorney-Client or Fiduciary Relationship
The use of this website or communication with TwelveOne Financial Solutions through this site does not create an attorney-client, fiduciary, or professional advisory relationship. Our company is not a law firm and does not provide legal representation or services.

TwelveOne Financial Solutions accepts clients only through its formal onboarding process, which includes completion of the Client Enrollment Form, signing of a Service Agreement, and payment of the required fees or retainer. Until these steps are completed, no professional relationship or obligation exists between you and TwelveOne Financial Solutions.

3. Service Eligibility and Client Obligations
Our credit repair and financial services are intended for individuals 18 years of age or older who are residents of the United States. By enrolling in our services, you confirm that all information you provide is accurate, complete, and truthful.

Clients are required to:

  • Maintain an active credit monitoring account (such as IdentityIQ) throughout the service period.

  • Provide necessary documentation promptly for verification and dispute processes.

  • Refrain from misrepresentation, falsification, or withholding of relevant information.

  • Communicate professionally and respond to correspondence in a timely manner.
     

Failure to comply with these obligations may result in delayed results or termination of services without refund.

4. Limitation of Liability
TwelveOne Financial Solutions strives to ensure the accuracy and reliability of the content on this website; however, we make no warranties or guarantees regarding:

  • The accuracy, completeness, or reliability of any information or materials;

  • Any specific outcome or improvement in credit scores;

  • The continuous availability or error-free operation of our website; or

  • The accuracy of information obtained from third-party links or resources.
     

Under no circumstances shall TwelveOne Financial Solutions, its owners, employees, affiliates, or contractors be liable for any losses, damages, or expenses (direct, indirect, incidental, or consequential) arising from the use or inability to use this website, services, or related materials.

5. Intellectual Property Rights
All website content—including text, graphics, images, videos, logos, and documents—is the exclusive property of TwelveOne Financial Solutions and protected under applicable copyright, trademark, and intellectual property laws.

You may view or print content for personal, non-commercial use only. Reproduction, distribution, modification, or unauthorized use of any materials without written permission from TwelveOne Financial Solutions is strictly prohibited.

6. Third-Party Links and Resources
Our website may contain links to external websites or third-party services for your convenience. These links do not constitute endorsement or approval by TwelveOne Financial Solutions. We are not responsible for the content, accuracy, or privacy practices of any third-party websites. Visiting linked sites is done at your own risk.

7. No Guarantees or Promises
While our goal is to help clients improve their credit profile and financial standing, TwelveOne Financial Solutions does not guarantee specific deletions, score increases, or credit approvals.
Credit repair results vary depending on individual circumstances, creditor cooperation, and compliance with program requirements.

8. Modifications to Terms
TwelveOne Financial Solutions reserves the right to modify, update, or replace these Terms and Conditions at any time without prior notice. Updated versions will be posted on our website with a revised “Effective Date.” Your continued use of our website or services after changes have been made constitutes acceptance of the updated terms.

9. Governing Law and Jurisdiction
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any dispute arising under or related to this policy shall be subject to the exclusive jurisdiction of the courts located in Dallas County, Texas.

10. Contact Information
If you have questions or concerns about these Terms and Conditions, please contact us directly:
TwelveOne Financial Solutions
Email: contact@twelveonefinancial.com
Phone: 877-408-0244
Business Hours: Tuesday–Thursday 10 AM–8 PM | Friday 9 AM–5 PM

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