Effective Date: April 1, 2026
1. Agreement to Terms
By accessing or using services provided by The Kingsphere Financial Group ("we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.
2. Eligibility (18+ Requirement)
You must be at least 18 years old to use our services.
By using our services, you represent and warrant that:
• You are at least 18 years of age
• You have the legal capacity to enter into a binding agreement
We do not knowingly provide services to individuals under 18.
3. Services Provided
The Kingsphere Financial Group provides services including, but not limited to:
• Credit repair and credit education
• Business and personal funding assistance
• Insurance-related services
• Tax preparation and tax-related support
All services are subject to availability and may be modified or discontinued at any time.
4. Important Financial & Legal Disclaimers
No Guarantee of Results
We do not guarantee any specific outcomes, including but not limited to:
• Credit score increases
• Removal of negative items
• Approval for loans or funding
• Insurance approval or rates
• Tax outcomes or refunds
Results vary based on individual circumstances, credit history, financial behavior, and third-party decisions.
Credit Repair Disclaimer
We provide assistance based on your rights under applicable credit laws. However:
• We do not create false information or alter accurate credit data
• We do not guarantee deletion of accurate negative items
• You may exercise your credit rights independently at no cost
Funding Disclaimer
We are not lenders. We assist in connecting you with potential funding sources.
• Approval is determined by third-party lenders
• Terms, rates, and approvals are not controlled by us
• We are not responsible for lender decisions
Insurance Disclaimer
Insurance services are subject to underwriting and approval by licensed carriers.
• Coverage, premiums, and eligibility are determined by insurers
• We do not guarantee approval or specific pricing
Tax Services Disclaimer
We provide tax preparation and support services; however:
• We do not guarantee specific tax outcomes or refunds
• You are responsible for the accuracy of the information you provide
• Tax laws are subject to change
5. User Responsibilities
You agree to:
• Provide accurate, truthful, and complete information
• Submit required documentation in a timely manner
• Maintain communication when necessary
• Use our services only for lawful purposes
Failure to do so may impact your results.
6. Payments & Fees
• All fees will be disclosed prior to purchase
• Payments are due as agreed upon at the time of service
• Fees may be non-refundable unless otherwise stated
• We reserve the right to suspend services for non-payment
7. SMS Messaging Terms
Consent to Receive Messages
By providing your phone number and opting in, you agree to receive SMS messages from The Kingsphere Financial Group, including:
• Appointment reminders
• Service updates
• Customer support messages
Message Frequency
• Message frequency varies
Message & Data Rates
• Standard carrier rates may apply
Opt-Out
• Reply "STOP" to unsubscribe at any time
• You will receive a final confirmation message
Help
• Reply "HELP" or contact: [your email address]
Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages.
Data Protection
We do not share SMS opt-in data with third parties for marketing purposes.
8. Intellectual Property
All content, branding, materials, and systems are owned by The Kingsphere Financial Group.
Unauthorized use, reproduction, or distribution is prohibited.
9. Limitation of Liability
To the fullest extent permitted by law, The Kingsphere Financial Group shall not be liable for:
• Any financial losses or missed opportunities
• Decisions made by lenders, credit bureaus, insurers, or tax authorities
• Indirect or consequential damages
10. Third-Party Services
We work with third-party providers (lenders, insurers, payment processors, etc.).
We are not responsible for their:
• Decisions
• Terms
• Actions or policies
11. Termination
We may suspend or terminate services at any time for:
• Violation of these Terms
• Fraudulent or misleading information
• Non-payment
12. Arbitration & Dispute Resolution (Recommended Protection)
Any disputes arising from use of our services shall be resolved through binding arbitration, rather than court litigation, where permitted by law.
You agree to waive the right to participate in class action lawsuits.
13. Governing Law
These Terms shall be governed by the laws of your operating jurisdiction.
14. Changes to Terms
We may update these Terms at any time. Continued use of our services constitutes acceptance of the updated Terms.
15. Contact Information
The Kingsphere Financial Group
Phone: +1 (856) 416-6310
Email: [email protected]
Website: https://www.thekingspherefinancial.com/
16. Entire Agreement
These Terms, along with our Privacy Policy, constitute the full agreement between you and The Kingsphere Financial Group.