Terms & Conditions

These Terms form a binding agreement between you and 24K Wealth Enterprises LLC concerning use of this website and any related content, forms, consultations, resources, programs, or services.

Your use of this website is also subject to our Privacy Policy, Refund, Cancellation & Service Delivery Policy, Disclaimer, and any program-specific agreement presented to you.

You must be at least 18 years old and legally capable of entering into a binding agreement to purchase or use our services.

When acting on behalf of a business or other entity, you represent that you have authority to bind that entity to the applicable terms.

Depending on the program selected and the signed service agreement, Company services may include:

• Financial education and credit literacy resources;
• Credit-report and credit-profile review;
• Profile optimization and utilization guidance;
• Reporting-accuracy analysis;
• Dispute strategy and dispute execution where applicable;
• Personalized profile-development recommendations;
• Personal and business funding-readiness education;
• Business credit and banking-readiness guidance;
• Consultations, educational materials, and digital resources.

The exact scope, price, expected duration, deliverables, and client obligations are defined by the applicable program description and signed service agreement.

Purchasing a program may require completion of a separate written and dated client service agreement, onboarding form, payment authorization, consumer disclosure, or cancellation notice.

If a conflict exists between these website Terms and a properly executed program-specific service agreement, the service agreement controls with respect to that specific service, except where applicable law provides otherwise.

These website Terms alone do not authorize Company to begin services that legally require a signed written contract or expiration of a statutory cancellation period.

Consumers may dispute inaccurate or incomplete information directly with consumer reporting agencies and data furnishers without paying a third party. Company does not represent that consumers are required to purchase our services to exercise their legal rights.

Where a purchased service is governed by federal or state credit-repair or credit-service-organization law, the consumer will receive the disclosures, written agreement, cancellation notice, and other protections required by applicable law.

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

Results depend on individual circumstances and factors outside the Company’s control, including reporting accuracy, account history, utilization, payment behavior, creditor and bureau responses, documentation, underwriting criteria, market conditions, and client participation.

Company does not guarantee:

• A particular credit-score increase;
• Deletion or modification of any account or reporting item;
• Removal of collections, charge-offs, inquiries, or late payments;
• Approval for a loan, credit card, lease, mortgage, or other account;
• A particular credit limit, interest rate, term, or funding amount;
• Approval for personal or business funding;
• Completion of a service by a specific date unless expressly guaranteed in writing.

Testimonials, case studies, screenshots, examples, and prior client outcomes are illustrative only and do not guarantee that another client will receive the same or similar result.

Clients agree to:

• Provide complete, accurate, and truthful information;
• Review documents before signing or submitting them;
• Provide legitimate supporting documentation when requested;
• Respond to Company communications within a reasonable time;
• Maintain current contact and billing information;
• Notify Company of material changes affecting the client’s profile;
• Follow lawful and reasonable action steps applicable to the selected service;
• Use Company materials and services only for lawful purposes.

Clients must not submit fabricated documents, false identity-theft claims, altered reports, fraudulent statements, or knowingly false information. Company may refuse or terminate services when fraud, deception, abuse, or unlawful conduct is reasonably suspected.

Do not send passwords for third-party banking, financial, or credit-monitoring accounts through public forms, ordinary email, or any channel not specifically approved by Company.

Prices are displayed in United States dollars unless otherwise stated. The total price, payment schedule, billing method, and service-specific payment terms are provided before purchase and, where applicable, in the signed service agreement.

Fees will be charged only as permitted by applicable law and according to the terms disclosed in the applicable agreement.

By submitting an authorized payment, you represent that you are authorized to use the selected payment method and that the billing information supplied is accurate.

A failed payment, reversed payment, unauthorized payment, or breach of an agreed payment arrangement may result in suspension of services, subject to applicable law and the signed agreement.

Cancellation and refund eligibility is governed by the applicable service agreement, our Refund, Cancellation & Service Delivery Policy, and any mandatory rights provided by law.

Certain credit-related services may include a statutory right to cancel within three business days after signing the applicable agreement. When that right applies, the signed agreement and cancellation notice will explain how and when cancellation may be exercised.

Clients should contact Company promptly regarding billing errors, duplicate charges, unauthorized transactions, service concerns, or cancellation requests.

Nothing in these Terms requires a client to waive lawful rights concerning refunds, cancellations, card disputes, or consumer remedies.

Services may be delivered through email, telephone, video meeting, electronic forms, online portals, digital documents, educational materials, or other approved communication channels.

The start date and expected service period depend on the purchased program, completion of required agreements and onboarding, expiration of any mandatory cancellation period, receipt of required information, and applicable law.

Estimated timelines are not guarantees unless expressly identified as a written guarantee. Third-party response times, reporting cycles, bureau investigations, creditor actions, lender decisions, and client delays may affect delivery.

By submitting contact information, scheduling a consultation, purchasing a program, or signing an agreement, you consent to receive service-related communications through email, telephone, text message, electronic forms, and online platforms.

Service-related communications may include onboarding instructions, appointment notices, document requests, account updates, educational information, billing notices, and support responses.

Consent to receive promotional communications is handled separately where required. You may request changes to your communication preferences by contacting Company.

Company may use or link to third-party payment processors, scheduling providers, form providers, credit-monitoring services, software platforms, consumer reporting agencies, financial institutions, lenders, and other external services.

Third parties operate under their own terms and privacy policies. Company does not control and is not responsible for third-party underwriting, approvals, denials, reporting decisions, response times, system availability, fees, security practices, or content.

Company is not a lender and does not make final credit or underwriting decisions.

Company branding, logos, website content, written materials, graphics, videos, guides, frameworks, templates, educational resources, and other original content are owned by or licensed to 24K Wealth Enterprises LLC and are protected by applicable intellectual-property law.

Purchasing a service grants the client a limited, personal, non-exclusive, non-transferable license to use provided materials for the client’s own lawful purposes.

Materials may not be copied, resold, republished, distributed, licensed, publicly displayed, modified for commercial use, or used to create a competing service without prior written permission.

Testimonials, screenshots, case studies, score changes, approvals, and funding examples reflect individual experiences and are not promises or representations of typical results.

Individual outcomes depend on each client’s profile, history, documentation, conduct, third-party decisions, and participation. Past performance does not guarantee future results.

You may not:

• Use the website or services for fraud or another unlawful purpose;
• Misrepresent your identity, accounts, income, documents, or circumstances;
• Attempt unauthorized access to Company systems or client information;
• Upload malicious code or interfere with website functionality;
• Copy, scrape, reproduce, or exploit Company content without authorization;
• Harass, threaten, abuse, or impersonate Company personnel or another person;
• Use Company resources to submit information you know is false.

Company may refuse, pause, or terminate access to services for material breach of these Terms or a signed agreement, nonpayment, fraud, suspected unlawful activity, abusive conduct, failure to cooperate, security concerns, or misuse of Company resources.

Any termination, fee, refund, document-delivery, or continuing obligation will be handled according to applicable law and the signed service agreement.

Collection, use, retention, and disclosure of personal information is governed by our Privacy Policy.

Company uses reasonable administrative and technical safeguards, but no website, email system, online platform, or electronic storage method can be guaranteed to be completely secure.

Clients should use approved channels and avoid transmitting unnecessary sensitive information through ordinary email or public forms.

Company provides educational, administrative, strategic, and consulting-based services within the scope described in the applicable agreement.

Company is not a consumer reporting agency, lender, bank, credit union, law firm, accounting firm, tax adviser, investment adviser, or government agency.

Information supplied through this website or our services is not a substitute for individualized legal, tax, accounting, or investment advice from a properly licensed professional.

To the maximum extent permitted by applicable law, Company will not be responsible for indirect, incidental, special, consequential, or punitive damages arising from use of the website or services, including lost opportunities, lost profits, lender decisions, third-party reporting, third-party platform failures, or actions taken contrary to Company guidance.

Nothing in this section limits liability or remedies that cannot lawfully be limited or excluded, including applicable statutory consumer protections.

To the extent permitted by law, you agree to be responsible for losses, claims, liabilities, or expenses arising from your unlawful use of the website, intentional misrepresentation, fraudulent documentation, infringement of another party’s rights, or material violation of these Terms.

This provision does not waive or reduce any non-waivable consumer protection or statutory right.

These Terms are governed by the laws of the State of Florida and applicable federal law, without applying rules that would require use of another jurisdiction’s laws.

Before filing a non-emergency legal claim, the parties are encouraged to make a good-faith effort to resolve the issue through written communication. This does not restrict a consumer from contacting a regulator, payment provider, attorney, court, or other lawful forum.

Company may update these Terms to reflect changes in services, technology, business operations, or legal requirements.

The updated version will be posted on this page with a revised “Last Updated” date. Changes will not retroactively eliminate rights or obligations established under an already signed agreement unless permitted by law and agreed to where required.

If any portion of these Terms is held invalid or unenforceable, the remaining provisions remain effective to the extent permitted by law.

A delay or failure by Company to enforce a provision does not waive the right to enforce it later.

Electronic records, acknowledgments, checkboxes, and signatures may be used to document acceptance, subject to applicable law.

Headings are provided for convenience and do not change the meaning of these Terms.

Questions concerning these Terms, a purchase, billing, cancellation, or service delivery should be directed to 24K Wealth Enterprises LLC.