Terms of Service

Last updated: January 2025

1. Acceptance of Terms

By accessing or using the Consumer Finance Services website (consumerfinanceservices.com) and our services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

Consumer Finance Services provides financial services including but not limited to consumer lending, financial planning, debt solutions, credit counseling, account management, and consumer education. The specific terms of any financial product or service will be provided in a separate agreement.

3. Eligibility

Our services are available to individuals who are at least 18 years of age and reside in the United States. By using our services, you represent and warrant that you meet these eligibility requirements.

4. User Responsibilities

When using our services, you agree to:

5. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from Consumer Finance Services:

  • You consent to receive automated and non-automated text messages at the phone number provided.
  • Messages may include account notifications, service updates, appointment reminders, and promotional content.
  • Message frequency varies. Message and data rates may apply.
  • Text STOP to cancel at any time. Text HELP for assistance.
  • Consent is not required as a condition of purchasing any goods or services.
  • No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.
  • Carriers are not liable for delayed or undelivered messages.

6. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Consumer Finance Services and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

7. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not guarantee that our website will be uninterrupted, error-free, or free of harmful components. Information provided on this website is for general informational purposes and does not constitute financial advice.

8. Limitation of Liability

To the fullest extent permitted by law, Consumer Finance Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the amount paid by you for services in the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Consumer Finance Services, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising from these terms shall be resolved in the courts of the State of Texas.

11. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page. Your continued use of our website or services after changes are posted constitutes your acceptance of the modified terms.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13. Contact Information

For questions regarding these Terms of Service, please contact us:

Consumer Finance Services

Email: roy@consumerfinanceservices.com

Texas, United States