Disclaimer

This Disclaimer applies to information or services delivered through:

• The 24K Wealth Enterprises website;
• Program, checkout, and consultation pages;
• Email, telephone, text message, and video consultations;
• Social-media accounts and direct messages;
• Educational guides, ebooks, templates, and resources;
• Credit-profile reviews and recommendations;
• Dispute strategy or dispute-related services where included;
• Personal and business funding-readiness guidance;
• Case studies, testimonials, screenshots, and client examples.

Depending on the selected program and signed service agreement, Company services may include financial education, credit literacy, credit-report review, credit-profile analysis, utilization guidance, reporting-accuracy review, dispute strategy, dispute execution where applicable, profile-development planning, business-credit education, and funding-readiness support.

The exact scope of a purchased service is determined by the applicable program description and signed agreement. General website content does not expand, replace, or alter the obligations stated in that agreement.

24K Wealth Enterprises LLC is not a consumer reporting agency, credit bureau, data furnisher, creditor, or government agency.

We do not create credit scores, control credit-scoring models, determine what information a consumer reporting agency reports, or control how a creditor, collector, lender, bureau, or furnisher responds to a dispute or request.

Consumers may dispute inaccurate or incomplete information directly with consumer reporting agencies and furnishers without purchasing third-party services.

Company does not promise that accurate, current, and verifiable negative information can or will be removed from a consumer report.

Company does not guarantee:

• A specific credit-score increase;
• A specific starting or ending credit score;
• Deletion, suppression, or modification of any account;
• Removal of a collection, charge-off, late payment, inquiry, bankruptcy, repossession, foreclosure, or other item;
• A specific investigation result;
• A specific creditor, bureau, or furnisher response;
• Completion within a particular number of days unless expressly guaranteed in writing;
• That a client’s profile will qualify for a particular product or opportunity.

Outcomes vary based on the accuracy and age of reported information, supporting documentation, account history, utilization, payment behavior, debt levels, creditor and bureau responses, reporting cycles, client participation, and other circumstances outside Company’s control.

24K Wealth Enterprises LLC is not a bank, credit union, lender, creditor, or financial institution and does not make final underwriting or credit decisions.

Funding-related services may include education, profile review, documentation preparation, readiness analysis, application strategy, banking guidance, positioning, or referral support as described in the applicable agreement.

Company does not guarantee:

• Approval for personal or business funding;
• Approval for a credit card, loan, lease, mortgage, vehicle, or line of credit;
• A particular credit limit or funding amount;
• A particular interest rate, term, fee, or repayment structure;
• Approval from a specific lender or institution;
• That a prequalification or preapproval will result in final approval;
• That lender criteria will remain unchanged.

Lenders and financial institutions independently evaluate applications using their own criteria, which may include credit history, income, revenue, debt, cash flow, identity verification, banking history, collateral, business records, inquiries, economic conditions, and internal risk policies.

Company is not a law firm, accounting firm, tax-preparation firm, registered investment adviser, securities broker, or government agency.

Website content, consultations, educational materials, and general recommendations do not constitute legal, tax, accounting, investment, or securities advice.

Questions involving litigation, legal claims, statutes of limitation, tax treatment, bankruptcy, estate planning, securities, investments, or professional licensing should be directed to a qualified professional.

No attorney-client, accountant-client, fiduciary, or investment advisory relationship is created through use of this website or purchase of a Company program.

Recommendations and services are based on information and documents available to Company. Clients are responsible for providing complete, truthful, accurate, current, and lawful information.

Clients remain responsible for:

• Reviewing documents before signing or submitting them;
• Confirming the accuracy of personal and financial information;
• Providing legitimate supporting documents;
• Making payments to creditors and lenders on time;
• Managing balances, utilization, debt, and account activity;
• Following lender, bureau, creditor, and legal requirements;
• Evaluating whether a financial product is appropriate;
• Making final financial and application decisions.

Company does not authorize or encourage false statements, altered records, fabricated identity-theft claims, fraudulent documents, or misuse of a dispute process.

Testimonials, score changes, approval screenshots, funding examples, credit-limit examples, case studies, and client transformations reflect individual experiences.

They are presented for illustrative purposes and are not promises, guarantees, or representations that another client will achieve the same or similar outcome.

Individual outcomes vary based on factors including:

• The client’s starting profile;
• Accuracy and completeness of reported information;
• Payment history and utilization;
• Account age, mix, balances, and inquiries;
• Client participation and documentation;
• Creditor, bureau, and lender criteria;
• Timing and market conditions;
• Changes made after receiving Company guidance.

The website or Company communications may reference or link to third-party services such as credit-monitoring providers, consumer reporting agencies, lenders, banks, credit unions, payment processors, scheduling platforms, software providers, or other external resources.

Third parties operate independently and maintain their own:

• Eligibility and underwriting criteria;
• Prices, fees, terms, and conditions;
• Privacy and security practices;
• Refund and cancellation policies;
• Service standards and response times;
• Approval and reporting decisions.

Company does not control and is not responsible for the accuracy, availability, security, performance, decisions, or conduct of an unaffiliated third party.

Company may maintain referral, affiliate, promotional, or business relationships with certain third-party platforms or service providers.

When applicable, Company may receive a commission, referral fee, credit, discount, or other benefit when a person purchases or enrolls through a Company link or referral.

Affiliate compensation does not increase the customer’s price unless clearly disclosed and does not guarantee that a third-party service is appropriate for every individual.

Clients should independently review third-party terms, costs, privacy policies, and service details before enrolling or purchasing.

Company attempts to maintain accurate and current website information, but laws, lender criteria, credit-scoring practices, interest rates, products, platform features, prices, promotions, and third-party policies may change.

Company does not guarantee that every website statement, external link, product reference, program description, or third-party detail will remain complete, current, or error-free at all times.

Website access may be interrupted by maintenance, software errors, internet outages, third-party failures, security measures, or events outside Company’s control.

Company may correct errors, update content, revise program details, or discontinue website features without prior notice, subject to existing contractual and legal obligations.

Clients are responsible for independently evaluating any loan, credit card, lease, banking product, funding opportunity, payment plan, or financial commitment before applying or accepting terms.

Consider:

• Interest rates and annual percentage rates;
• Origination fees, annual fees, and other charges;
• Repayment terms and payment amounts;
• Personal guarantees and collateral requirements;
• Credit inquiries and reporting effects;
• Default provisions and collection rights;
• Business and personal cash flow;
• Total cost over the life of the obligation.

Company is not responsible for losses resulting from a client’s independent decision to apply for, accept, use, refinance, or repay a third-party financial product.

This public website Disclaimer does not replace a signed client service agreement, consumer credit disclosure, Notice of Cancellation, payment authorization, onboarding authorization, or other required document.

When a purchased service is governed by federal or state credit-service law, the consumer retains all rights, disclosures, remedies, and cancellation protections provided by applicable law.

If this Disclaimer conflicts with mandatory law, the law controls. If it conflicts with a properly executed service agreement, the agreement controls the specific purchased service except where law provides otherwise.

To the maximum extent permitted by law, Company is not responsible for indirect, incidental, special, consequential, exemplary, or punitive damages arising from reliance on general website content or from decisions made by unaffiliated third parties.

Company is not responsible for:

• A credit bureau or furnisher’s investigation decision;
• A lender’s approval, denial, limit, rate, or term;
• A change to a credit-scoring model;
• A client’s missed or late payment;
• New negative reporting or collection activity;
• Identity theft or fraud not caused by Company;
• Third-party platform downtime or security incidents;
• A client’s use of incomplete, outdated, or inaccurate information;
• Actions taken outside the agreed service scope.

Nothing in this section limits liability or remedies that cannot lawfully be excluded or limited.

Company may revise this Disclaimer to reflect changes in services, business practices, technology, third-party relationships, or legal requirements.

Updates will be posted on this page with a revised “Last Updated” date.

An updated public Disclaimer will not retroactively eliminate rights or obligations established under an existing signed agreement or applicable law.

Direct questions concerning this Disclaimer, Company services, a program description, or a website statement to the contact methods below.