Terms & Conditions

1. Acceptance of Terms

By accessing this website, contacting Better Life Credit LLC, or using our services, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, do not use the website or services.

2. Services

Better Life Credit LLC provides financial consultation, planning support, and educational guidance as described on this website or in a separate written agreement. The scope, fees, timing, and deliverables for any paid engagement may be stated in a separate service agreement.

3. Educational Purpose and No Professional Advice

Website content and consultation services are provided for general educational and informational purposes. They are not legal, tax, accounting, securities, investment, or other licensed professional advice. You should consult an appropriately qualified professional regarding decisions requiring regulated advice.

4. No Guaranteed Results

Financial circumstances vary. Better Life Credit LLC does not promise or guarantee any particular financial outcome. Any examples or illustrations are for educational purposes and are not guarantees of future results.

5. Client Responsibilities

You agree to provide accurate and complete information, review recommendations carefully, make your own decisions, and comply with applicable laws and contractual obligations. You remain responsible for decisions made based on information discussed during a consultation.

6. Fees, Payments, Cancellations, and Refunds

Fees and payment terms will be disclosed before paid services begin or included in a separate service agreement. Any cancellation, rescheduling, or refund terms stated in that agreement will control. Unless otherwise required by law, fees for completed services are non-refundable.

7. SMS Messaging Terms

When you expressly opt in, Better Life Credit LLC may send service-related SMS messages, including consultation confirmations, appointment reminders, requested document notices, service updates, and customer-support communications. SMS Communications By providing your mobile phone number, you agree that BETTER LIFE CREDIT LLC may send you SMS text messages related to the services you request. Transactional (Non-Marketing) Messages If you provide your phone number while requesting information, scheduling an appointment, completing a form, or becoming a client, you consent to receive transactional text messages regarding: Appointment confirmations and reminders Account updates Document requests Service notifications Customer support communications Billing or payment reminders Important updates related to your account or services These messages are necessary to provide the requested services and are not promotional. Marketing Messages (Optional) If you separately opt in, you may receive marketing and promotional text messages, including: Special offers Promotions Educational financial tips New services Company news and announcements Event invitations Marketing consent is optional and is not a condition of purchasing any goods or services. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of marketing messages at any time. Reply HELP for assistance. Your consent to receive SMS messages is not shared with third parties for their marketing purposes.

• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to opt out.
• Reply HELP for assistance or email [email protected].
• Consent to receive SMS messages is not a condition of purchase.
• Carriers are not liable for delayed or undelivered messages.

8. Privacy

Our collection and use of personal information are described in our Privacy Policy. Mobile opt-in information and consent records are not sold or shared with third parties or affiliates for marketing or promotional purposes.

9. Intellectual Property

Unless otherwise stated, website text, branding, graphics, layouts, educational materials, and other original content are owned by or licensed to Better Life Credit LLC. You may not reproduce, distribute, modify, or commercially exploit them without prior written permission.

10. Acceptable Use

You may not misuse the website, interfere with its operation, attempt unauthorized access, upload malicious code, impersonate another person, or use the website for unlawful, fraudulent, or abusive activity.

11. Third-Party Services and Links

The website may reference or link to third-party services. Better Life Credit LLC does not control and is not responsible for their availability, content, security, or practices. Your use of third-party services is governed by their own terms.

12. Disclaimer of Warranties

To the extent permitted by law, the website and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied. We do not warrant that the website will always be available, uninterrupted, secure, or error-free.

13. Limitation of Liability

To the extent permitted by law, Better Life Credit LLC and its owners, employees, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the website or services. Nothing in these terms excludes liability that cannot lawfully be excluded.

14. Indemnification

You agree to indemnify and hold Better Life Credit LLC harmless from claims, losses, liabilities, and expenses arising from your unlawful use of the website, breach of these terms, or violation of another person’s rights.

15. Governing Law

These Terms & Conditions are governed by the laws applicable in the State of California, without regard to conflict-of-law principles, except where another law must apply.

16. Changes to These Terms

We may update these terms periodically. The current version will be posted on this website with its revised effective date. Continued use after an update constitutes acceptance of the revised terms.

17. Contact Information