Terms and Conditions
Last Updated: October 23, 2025
1. Agreement to Terms
These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Business Enhancement Services LLC ("BES," "we," "us," or "our"). By accessing or using our website, services, or engaging with our credit repair and business funding services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our services.
2. Services Provided
BES provides the following services:
- Credit Repair Services: Analysis of credit reports, identification of inaccuracies, dispute filing with credit bureaus, and credit score improvement strategies
- Business Funding Services: Assistance with business loan applications, access to capital, funding consultation, and financial planning
- Credit Education: Educational resources and guidance on credit management and financial literacy
- Consultation Services: One-on-one consultations regarding credit and business financing strategies
3. Eligibility
You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are of legal age and have the legal capacity to enter into these Terms. You also agree to provide accurate, current, and complete information during the registration and application process.
4. User Obligations
As a user of our services, you agree to:
- Provide accurate, truthful, and complete information
- Maintain the confidentiality of your account credentials
- Notify us immediately of any unauthorized use of your account
- Comply with all applicable laws and regulations
- Not use our services for any illegal or unauthorized purpose
- Not interfere with or disrupt our services or servers
- Pay all fees associated with the services you select
5. Service Fees and Payments
Our services are provided for a fee, which will be disclosed to you before you commit to using our services. Payment terms, schedules, and methods will be communicated during the onboarding process.
Refund Policy: Refunds are provided in accordance with the Credit Repair Organizations Act (CROA) and applicable state laws. You may cancel services within three (3) business days of signing the contract for a full refund. After this period, refunds will be evaluated on a case-by-case basis.
Late Payments: Failure to make timely payments may result in suspension or termination of services. We reserve the right to charge late fees or interest on overdue accounts.
6. Credit Repair Organizations Act (CROA) Compliance
BES complies with the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. Under CROA, you have the right to:
- Cancel your contract without penalty or obligation within three (3) business days from the date you sign it
- Receive a written contract that includes the terms and conditions of payment and services
- Sue a credit repair organization that violates CROA
We do not guarantee specific results or improvements to your credit score. Results vary based on individual circumstances, credit history, and cooperation with the credit repair process.
7. Disclaimers and Limitations of Liability
No Guarantees: While we work diligently to improve your credit score and secure business funding, we cannot guarantee specific outcomes. Credit improvement depends on many factors, including the accuracy of information, creditor responses, and your financial behavior.
Service "As Is": Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
Limitation of Liability: To the fullest extent permitted by law, BES shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.
8. Intellectual Property Rights
All content on our website, including text, graphics, logos, images, software, and other materials, is the property of BES or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission.
9. Confidentiality
We maintain strict confidentiality of all client information in accordance with applicable privacy laws and our Privacy Policy. We will not disclose your personal or financial information to third parties except as necessary to provide our services, comply with legal obligations, or with your explicit consent.
10. Termination
Either party may terminate this agreement at any time:
- By You: You may cancel services at any time by providing written notice. Cancellation within three (3) business days of signing entitles you to a full refund under CROA.
- By Us: We may terminate or suspend your access to services immediately, without prior notice, for conduct that violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.
Upon termination, all licenses and rights granted to you will immediately cease, and you must stop using our services.
11. Dispute Resolution and Arbitration
Informal Resolution: In the event of any dispute, claim, or controversy arising out of or relating to these Terms or our services, the parties agree to first attempt to resolve the dispute informally by contacting us at info@bizenhancers.com.
Binding Arbitration: If informal resolution is unsuccessful, any dispute will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA). The arbitration will be conducted in the state where BES is headquartered, and judgment on the arbitration award may be entered in any court having jurisdiction.
Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which BES operates, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the courts located within that state for the purpose of litigating any disputes.
13. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
14. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on our website and updating the "Last Updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.
15. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and BES concerning our services and supersede all prior agreements and understandings.
16. Contact Information
If you have any questions about these Terms, please contact us:
Empowering individuals and businesses to achieve financial success with comprehensive credit solutions and business services.
(786) 966-9471
info@bizenhancers.com
© 2025 Business Enhancement Services. All rights reserved.