Website Terms and Conditions

2.1 Acceptance & Terms

By accessing this website, you agree to be bound by these Website Terms and Conditions. If you do not agree, please do not use the website. These Terms govern public website use. Purchased services are additionally governed by a separately signed Service Agreement. If the documents conflict regarding paid services, the Service Agreement controls.

2.2 Eligibility

You must meet the following criteria to use our website:

• Be at least 18 years old
• Be legally capable of entering into a contract
• Use the website only for lawful purposes
• Provide accurate, truthful information

Our website and services are designed for U.S. consumers and businesses unless we expressly agree otherwise.

2.3 Educational Nature of Website

Website content is provided for general educational and informational purposes only. It does not constitute legal, tax, accounting, lending, mortgage, investment, immigration, or financial planning advice. No attorney-client, lender-borrower, fiduciary, or consumer reporting agency relationship is created by your use of this site.

2.4 No Guaranteed Outcomes

We do not guarantee or promise specific credit results. In particular, we do not guarantee:

• A credit score increase
• Deletion or modification of any credit item
• Completion within a specific period
• Approval of a loan, apartment application, credit card, mortgage, or funding
• A specific interest rate or credit limit
• Acceptance of any request by a creditor, collector, lender, or credit bureau

Accurate, current, and verifiable negative information generally cannot lawfully be removed from a credit report merely because it is unfavorable.

2.5 Consumer Rights

You have a right to dispute inaccurate or incomplete credit report information yourself directly with credit reporting agencies and creditors for free, without paying LVC or any third party. Government and consumer reporting agency resources are available to assist you.

2.6 Permitted Use & Restrictions

You may use the website for personal, lawful, non-commercial purposes relating to evaluating or obtaining our services. You agree not to misrepresent your identity, submit fraudulent documents or another person's information without authorization, scrape or copy site materials, introduce malicious code, or use our services to deceive lenders, landlords, or government entities.

2.7 Intellectual Property

The website, brand, text, graphics, designs, logos, processes, and materials are owned by or licensed to LVC and are protected by intellectual property laws. No license is granted except a limited, revocable right to use the website as intended.

2.8 Disclaimer of Warranties & Limitation of Liability

To the maximum extent permitted by law, the website is provided “as is” and “as available,” without warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability.

LVC will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from your website use. Any limitation is subject to applicable consumer protection laws. Paid service liability is addressed separately in the Service Agreement.

2.9 Governing Law & Dispute Resolution

These Website Terms are governed by the laws of the State of **Texas**, without regard to conflict-of-law principles, except where another state's non-waivable consumer laws apply.

Before filing any formal legal claim, you agree to contact us at info@lvc-solutions.com and provide a written description of the issue. The parties will attempt informal dispute resolution in good faith for 30 days.

2.10 Contact

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