Terms of Service

Acceptance of Terms

By accessing and using the website and services of Credit Optics Consulting LLC, doing business as Credit Optics Consulting (“we,” “our,” or “us”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

Services

Credit Optics Consulting LLC provides business funding consulting and advisory services to small and mid-sized businesses. We help owners assess funding readiness, package applications, and connect with funding partners. We are not a bank, lender, or credit repair organization, and we do not guarantee approval, amounts, rates, or terms. All funding decisions are made by third-party lenders.

Use of Website

You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others. You are responsible for ensuring that information you provide is accurate and complete, and that you are at least 18 years old and authorized to act on behalf of your business.

User Consent for SMS Communications

By using Credit Optics Consulting LLC's services, including signing up for text message communications, you expressly consent to the collection and use of your personal information as outlined in our Privacy Policy. You acknowledge that you have read, understood, and agree to our Terms of Service and Privacy Policy, including the terms related to data collection, communication, and security.

You further consent to receive text messages from Credit Optics Consulting LLC, including transactional and promotional messages, as separately opted in by you. You may opt out of receiving messages at any time by following the opt-out instructions provided.

Message frequency may vary. Message and data rates may apply.

Opt-Out Procedures

You may choose to stop receiving text messages from Credit Optics Consulting LLC at any time. To opt out, simply reply to any text message you receive from us with the word “STOP” or “UNSUBSCRIBE.” Once we receive your opt-out request, we will promptly remove your number from our messaging list. You will receive a one-time confirmation message confirming your opt-out.

For assistance, reply HELP to any message or contact us at (216) 409-1249 or admin@creditopticsconsulting.com.

Opting out of promotional messages will not affect your ability to receive important service-related communications if you have separately opted in to transactional messages.

Message Frequency & Content

By subscribing to Credit Optics Consulting LLC's text messaging service, you agree to receive the following types of messages:

• Transactional/Informational messages: application updates, document requests, funding status updates, appointment reminders, and customer care communications.
• Promotional/Marketing messages: funding offers, rate specials, program announcements, and business funding tips.

Message frequency varies based on your account activity and the message types you have opted into. Message and data rates may apply.

SMS Liability & Disclaimers

Credit Optics Consulting LLC is not responsible for any delays, failures in delivery, or any other issues related to the transmission or receipt of text messages. Delivery of text messages is subject to effective transmission by your mobile carrier and is not guaranteed.

Carriers including AT&T, Verizon, T-Mobile, and others are not liable for delayed or undelivered messages.

Regulatory Compliance

We comply with the Telephone Consumer Protection Act (TCPA), CTIA guidelines, and all applicable federal and state regulations governing SMS communications.

Data Security & Information Handling

Credit Optics Consulting LLC is committed to protecting the security of your personal information. We implement industry-standard security measures to safeguard your data against unauthorized access, use, or disclosure. You agree to notify us immediately of any unauthorized use of your account or any other security breach.

SMS Terms & Conditions

Our SMS/text messaging programs are additionally governed by our SMS Terms & Conditions. By opting in to our text messaging programs, you agree to those terms in addition to these Terms of Service.

Fees

Any consulting fees are disclosed to you in writing before engagement. Submitting the website form is free and creates no obligation for either party.

Disclaimer

The information provided on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. Actual funding terms, rates, and pricing are determined by the applicable lender or funding partner.

Limitation of Liability

Credit Optics Consulting LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or services.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Credit Optics Consulting LLC and is protected by applicable intellectual property laws.

Governing Law

These Terms are governed by the laws of the State of Ohio, United States, without regard to conflict of law rules.

Changes to These Terms

Credit Optics Consulting LLC may update these Terms of Service from time to time to reflect changes in our practices or legal requirements. When we make changes, we will update the “Last updated” date at the top of this page.

Contact Us

If you have questions about these Terms of Service, contact us at:
Credit Optics Consulting LLC (DBA Credit Optics Consulting)
2490 Lee Blvd, Suite 100B, Cleveland Hts, Ohio 44118, United States
Phone: (216) 409-1249
Email: admin@creditopticsconsulting.com