Terms & Conditions for FLC Financial LLC

Last Updated: July 31, 2026

Welcome to FLC Financial LLC! These Terms of Service ("Terms") govern your access to and use of our credit repair services, including our website and SMS messaging program. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

1. Acceptance of Terms

By using our services, you confirm that you are at least 18 years of age and legally capable of entering into a binding agreement. If you do not agree to these Terms, you may not use our services.

2. Description of Services

FLC Financial LLC provides credit repair services aimed at helping individuals improve their credit scores to achieve financial goals, such as purchasing a home. Our services include credit analysis, dispute resolution, and guidance on credit building strategies. We may also offer SMS messaging services for important updates, reminders, and promotional offers, subject to your explicit consent.

3. Privacy Policy

Your privacy is important to us. Our Privacy Policy, available at https://flcfinancialgroup.com/privacy-policy, explains how we collect, use, and protect your personal information. By using our services, you agree to the terms of our Privacy Policy.

4. SMS Communications

By providing your mobile number and opting into our SMS program, you agree to receive text messages from FLC Financial LLC.

•Program Name and Description: You may receive SMS messages related to your credit repair progress, appointment reminders, service updates, and, if you opt-in, marketing messages about special offers and discounts from FLC Financial LLC.

•Opt-In: You may opt in to receive SMS messages by (a) providing your phone number during enrollment or account setup, and (b) confirming consent via a checkbox on our website or by texting a keyword like JOIN to our designated number.

•Message Frequency: Message frequency will vary depending on your service plan and opted-in preferences.

•Message and Data Rates: Standard message and data rates may apply to any messages sent to you from us and to us from you, depending on your mobile carrier and plan. For questions about your text or data plan, please contact your wireless provider.

•Opt-Out Instructions: You can cancel the SMS service at any time. Just text STOP to (732) 425-8307. Upon sending "STOP," we will send you an SMS message to confirm your unsubscribe status. After this confirmation, you will no longer receive SMS messages from us.

•Rejoining Instructions: If you wish to rejoin our SMS program after opting out, simply sign up as you did initially (e.g., by checking the consent box on our website or texting JOIN again), and we will resume sending SMS messages to you.

•Help Instructions: If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or you can get help directly at [email protected] or (732) 425-8307.

•Carrier Liability Disclaimer: Carriers are not liable for delayed or undelivered messages.

5. User Responsibilities

You agree to provide accurate and complete information when using our services. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

6. Prohibited Conduct

You agree not to use our services for any unlawful purpose or in any way that could damage, disable, overburden, or impair our services. This includes, but is not limited to, transmitting any material that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable.

7. Disclaimer of Warranties

Our services are provided "as is" and "as available" without any warranties, express or implied. We do not guarantee that our services will be uninterrupted, error-free, or secure.

8. Limitation of Liability

To the fullest extent permitted by law, FLC Financial LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your access to or use of or inability to access or use the services; (b) any conduct or content of any third party on the services; or (c) unauthorized access, use, or alteration of your transmissions or content.

9. Indemnification

You agree to indemnify and hold harmless FLC Financial LLC and its affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of these Terms or your violation of any law or the rights of a third party.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of NJ, without regard to its conflict of law provisions.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms.

12. Contact Us

If you have any questions about these Terms, please contact us at:

FLC Financial LLC
925 E Jersey St, East Jersey Street, Elizabeth NJ 07201
[email protected]
(732) 425-8307
https://flcfinancialgroup.com