TERMS & CONDITIONS
Last Updated: January 8, 2025
1. INTRODUCTION
These Terms and Conditions (“Terms”) govern your use of services provided by FortixOne LLC. By accessing our website or requesting services, you agree to these Terms.
FortixOne | Financial Strategy operates as a service offering under FortixOne LLC. All credit-related services are provided by FortixOne LLC in compliance with applicable federal consumer protection standards.
2. NATURE OF SERVICES
FortixOne | Financial Strategy provides:
– Credit report reviews
– Compliance-based analysis under federal consumer protection standards
– Educational guidance on consumer rights
– Financial literacy information
– Business credit education (as a separate service)
Our services are educational and informational in nature.
3. WHAT WE DO NOT PROVIDE
FortixOne | Financial Strategy does NOT provide:
– Legal advice or representation
– Financial planning or investment advice
– Tax advice
– Guaranteed outcomes or results
4. NO GUARANTEES
FortixOne LLC makes NO guarantees regarding:
– Credit score increases
– Removal of accurate negative items from credit reports
– Specific timeframes for any outcomes
– Loan or credit approvals
– Any particular results
Results vary based on individual circumstances, the accuracy of information in your credit report, and actions taken by credit bureaus and furnishers.
5. USER RESPONSIBILITIES
By using our services, you agree to:
– Provide accurate and truthful information
– Understand the educational nature of our services
– Not misrepresent your situation or intentions
– Comply with all applicable laws and regulations
– Take responsibility for decisions made based on our guidance
6. LEGAL FRAMEWORK
Our services operate in accordance with:
– Fair Credit Reporting Act (FCRA)
– Fair Debt Collection Practices Act (FDCPA)
– Federal consumer protection standards
– State regulations where applicable
7. NO AFFILIATION
FortixOne LLC is NOT affiliated with, endorsed by, or connected to:
– Any credit bureau (Equifax, Experian, TransUnion)
– Any financial institution or bank
– Any government agency
– Any credit card company or lender
8. SUBMISSION OF REQUESTS
Submission of consultation requests or forms on our website does not:
– Create a binding service agreement
– Guarantee acceptance of your case
– Guarantee any specific outcomes
We reserve the right to decline service for any reason.
9. SERVICE AVAILABILITY BY STATE
Service availability and specific offerings may vary by state due to different regulatory requirements. By submitting a request, you confirm that you have accurately provided your state of residence.
10. LIMITATION OF LIABILITY
To the fullest extent permitted by law, FortixOne LLC shall NOT be liable for:
– Indirect, incidental, or consequential damages
– Loss of profits or revenue
– Loss of data
– Damages resulting from use or inability to use our services
11. INDEMNIFICATION
You agree to indemnify and hold harmless FortixOne LLC and FortixOne | Financial Strategy from any claims, damages, or expenses arising from:
– Your use of our services
– Your violation of these Terms
– Your violation of any rights of another party
12. MODIFICATIONS TO TERMS
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Continued use of our services after changes constitutes acceptance of modified Terms.
13. GOVERNING LAW
These Terms are governed by the laws of the State of Florida and applicable federal laws, without regard to conflict of law principles.
14. SEVERABILITY
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
15. ENTIRE AGREEMENT
These Terms, along with our Privacy Policy and Disclaimer, constitute the entire agreement between you and FortixOne LLC.
16. CONTACT INFORMATION
For questions about these Terms:
Email: support@fortixone.com
FortixOne | Financial Strategy
A Division of FortixOne LLC
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CRITICAL STATEMENT:
FortixOne LLC provides credit report reviews and compliance-based analysis under federal consumer protection standards. No credit repair guarantees or score increases are offered. Results may vary based on individual circumstances.