Terms of Service

1. AGREEMENT TO TERMS

By accessing or using this website, purchasing digital products, or engaging with services offered by 700 Noir Solutions, Inc. ("Company," "we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree, you must not use this website or our services.

2. SERVICES PROVIDED

700 Noir Solutions, Inc. provides:

• Financial literacy education
• Credit dispute educational resources
• Digital downloads (ebooks, templates, guides, checklists)
• Business consulting and educational tools
• Workshops, webinars, and training materials

All services and products are educational in nature only.

3. NO LEGAL OR FINANCIAL ADVICE

The information provided on this website and within our products is for educational and informational purposes only and does not constitute:

• Legal advice
• Financial advice
• Credit repair services
• Tax advice

You are responsible for consulting with licensed professionals regarding your individual situation.

4. ELIGIBILITY

You must be 18 years or older to use our website or purchase our products. By using this site, you represent that you meet this requirement.

5. DIGITAL PRODUCT PURCHASES

All digital products are delivered electronically.

By purchasing, you acknowledge:

• You will receive access/download instructions after payment
• Digital products are for personal use only
• You may not resell, share, distribute, or reproduce our materials without written permission

Unauthorized distribution may result in legal action.

6. REFUND POLICY

Due to the digital nature of our products, ALL SALES ARE FINAL.

We do not offer refunds, exchanges, or cancellations once a digital product has been delivered or accessed. If you experience technical issues accessing your purchase, contact us at the email listed below for assistance.

7. USER RESPONSIBILITIES

By using our website and materials, you agree:

• Not to misuse, copy, or distribute proprietary content
• Not to use our materials for unlawful purposes
• Not to misrepresent our company, services, or results

You are responsible for how you use any information provided.

8. INTELLECTUAL PROPERTY

All content on this website and within our products, including:

• Logos
• Branding
• Templates
• Guides
• Text, graphics, and downloads

are the property of 700 Noir Solutions, Inc. and are protected by copyright and intellectual property laws. Unauthorized use is strictly prohibited.

9. LIMITATION OF LIABILITY

700 Noir Solutions, Inc. is not responsible for:

• Credit score changes or financial outcomes
• Decisions made based on our educational materials
• Errors or omissions in user-submitted disputes
• Losses, damages, or claims arising from use of our products

Use of our website and materials is at your own risk.

10. THIRD-PARTY SERVICES

We may use third-party platforms such as:

• Gumroad
• Stripe
• PayPal
• Email marketing services
• Website analytics tools

We are not responsible for the policies, actions, or practices of these third-party providers.

11. MODIFICATIONS TO TERMS

We reserve the right to update or modify these Terms of Service at any time. Updated terms will be posted on this page with a revised effective date. Continued use of the website after updates constitutes acceptance of the revised terms.

12. TERMINATION

We reserve the right to:

• Refuse service
• Terminate access to our website
• Cancel transactions

if a user violates these Terms of Service.

13. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of the State of Texas, without regard to conflict of law principles.

14. CONTACT INFORMATION

If you have questions regarding these Terms of Service, contact: