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 Outcomes

We do not guarantee any specific results, including but not limited to:
• Changes to financial profiles or scores
• Updates to reported information
• Approval for financial products or funding opportunities
• Insurance eligibility or pricing outcomes
• Tax results or refund amounts

All outcomes vary based on individual circumstances, financial history, and third-party determinations.

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Financial Profile Improvement Disclaimer

We provide assistance based on your rights under applicable laws. However:
• We do not create false information or alter accurate data
• We do not guarantee deletion of accurate negative items
• You may exercise your rights independently at no cost

Business Strategy Solutions Disclaimer

We are not a lending institution. We support clients by facilitating access to potential third-party providers.
• All approvals are made solely by third-party providers
• Terms, conditions, and decisions are set by those providers
• We do not influence or control external approval outcomes

Insurance Solutions Consultancy 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

Strategic Tax Planning and Preparation Disclaimer

We provide tax preparation and guidance; 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 clearly shared before services begin
• Payment terms are agreed upon in advance
• Fees may be non-refundable unless otherwise specified
• Services may be paused if payments are not completed as agreed

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 and scheduling updates
• Important service-related updates
• Customer support communications and follow-ups

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.