Privacy Policy

Terms and Conditions

Welcome to 2nd Chance Financial Consulting. These Terms and Conditions govern your use of our website, services, and communication channels, including SMS messages. By accessing or using our website and services, you agree to comply with these terms. If you do not agree, you must refrain from using our website and services.

1. Acceptance of Terms

By accessing and using this website, you confirm that you have read, understood, and agree to abide by these Terms and Conditions. If you do not agree, please stop using the website.

2. Website Ownership and Copyright

All content on this website, including but not limited to text, images, logos, and graphics, is the exclusive property of 2nd Chance Financial Consulting or its licensors, unless otherwise stated. The website and its content are protected by intellectual property laws, including copyright and trademark laws. You are prohibited from reproducing, distributing, modifying, or otherwise exploiting any part of the website without prior written consent from 2nd Chance Financial Consulting.

3. Acceptable Use of the Website

You agree to use our website only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict or inhibit anyone else's use of the website. Prohibited activities include, but are not limited to:

Engaging in any activity that would violate any local, state, national, or international law.

Uploading or transmitting viruses, malware, or any other malicious code that may damage or interfere with the operation of the website or services.

Attempting to gain unauthorized access to any part of the website, its related systems, or networks.

Using the website for any fraudulent or harmful purposes, including providing false or misleading information.

4. SMS/MMS Messaging and Consent

By providing your phone number, you consent to receive SMS or MMS messages (text messages) from 2nd Chance Financial Consulting. These messages may include, but are not limited to:

Appointment reminders

Promotional offers

Updates on services and programs

Educational content related to credit repair and financial coaching

Message Frequency: Message frequency may vary. You may receive multiple messages per month depending on your interactions and service updates.

Opting In:

SMS opt-in and phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes under any circumstances.

Opting Out:

You may opt-out of receiving SMS messages at any time by replying “STOP” to any text message you receive from us. Upon opting out, you will receive a confirmation message, and you will no longer receive SMS communications from us. You can also contact us directly at consulting@2ndcfc.com or 757-734-3637 to unsubscribe from SMS communications.

Message and Data Rates:

Message and data rates may apply, depending on your mobile carrier and plan. By opting into SMS communications, you agree to pay any charges imposed by your mobile carrier.

Customer Support:

For help or more information regarding our SMS communications, reply “HELP” to any text message or contact us at consulting@2ndcfc.com or 757-734-3637.

5. Privacy Policy

We are committed to protecting your privacy. Please refer to our Privacy Policy  for details on how we collect, use, and protect your personal information when you visit our website or use our services.

6. Disclaimers and Limitation of Liability

Disclaimer of Warranties: The information, content, and services on this website are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, about the accuracy, reliability, or suitability of the content or services provided. Your use of the website and services is at your sole risk.

Limitation of Liability: To the fullest extent permitted by law, 2nd Chance Financial Consulting will not be liable for any damages, including direct, indirect, incidental, consequential, or punitive damages, arising out of your use or inability to use the website or services. This includes, but is not limited to, any errors, omissions, interruptions, or delays, or any loss of data or financial loss resulting from the use of the website.

7. Termination of Use

We reserve the right to terminate or suspend your access to the website and services, including SMS communications, without prior notice if we believe you have violated these Terms and Conditions, engaged in harmful conduct, or if required to do so by law. Termination does not affect any rights or liabilities accrued prior to termination.

8. Applicable Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of [Insert Your State/Region]. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts of [Insert Your State/Region].

9. Dispute Resolution

In the event of a dispute arising from your use of the website or services, both parties agree to make a good-faith effort to resolve the issue through informal negotiation. If the dispute cannot be resolved informally, it may be settled through binding arbitration in [Insert Your State/Region] or another mutually agreed-upon location. The arbitration will be conducted in accordance with the rules of the American Arbitration Association (AAA), and each party will bear its own costs.

10. Changes to Terms and Conditions

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Any changes will be effective immediately upon posting on this page. It is your responsibility to regularly review these terms to ensure you are aware of any updates.

11. Third-Party Links and Services

Our website may contain links to third-party websites or services, including our affiliate partners like SmartCredit. These links are provided for your convenience and do not imply endorsement by 2nd Chance Financial Consulting. We are not responsible for the content, privacy practices, or terms of use of third-party websites.

12. Indemnification

You agree to indemnify and hold harmless 2nd Chance Financial Consulting, its affiliates, officers, employees, and agents from any claims, damages, losses, or liabilities, including legal fees, arising from your use of the website, violation of these Terms and Conditions, or any violation of third-party rights.

13. Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at:

2nd Chance Financial Consulting

Email: consulting@2ndcfc.com 

Phone: 757-734-3637