Terms of Service

Last Updated: September

Welcome to KM Opulence Solutions LLC (“Company,” “we,” “our,” or “us”). By accessing our website, funnels, services, or products (collectively, the “Services”), you (“Client,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”). Please read them carefully before using our Services.

1. Services Provided

KM Opulence Solutions LLC provides credit education, credit repair assistance, credit monitoring support, business funding consultations, and related services, including but not limited to:

The Credit-to-Cash Plan™ framework

Credit profile analysis and recommendations

Business credit profile building

Credit repair and dispute support

Funding consultation calls and strategies

Referrals to trusted lenders, credit monitoring, and related third-party services

⚠️ We do not guarantee any specific credit score increase, approval amount, or funding outcome.

2. Eligibility

To use our Services, you must:

Be at least 18 years of age

Provide accurate, current, and complete information

Not use our Services for fraudulent or unlawful purposes

3. Payment & Fees

Clients are responsible for all fees as outlined in their agreements.

For funding approvals, a service fee (typically 10% of funding approved) will be due, unless otherwise stated in writing.

Payments must be made on time as agreed. Late or missing payments may result in suspension of Services.

Some Services may include recurring subscription fees, which will be disclosed at the time of purchase.

4. Refund Policy

Due to the nature of our Services (credit education, consultations, digital products, and access to proprietary systems), all payments are non-refundable, except where prohibited by law or explicitly stated in writing.

5. Client Responsibilities

You agree to:

Provide truthful and accurate personal, financial, and business information

Maintain your own credit monitoring accounts as required

Follow the action steps outlined in your funding roadmap

Understand that failure to follow instructions may affect your results

6. No Guarantees & Disclaimers

We do not guarantee funding approvals, credit score increases, or specific outcomes.

Results will vary based on your individual credit history, financial profile, and business circumstances.

We are not a financial institution, lender, or credit bureau. We do not extend credit.

All funding decisions are made by independent third-party lenders.

Our content and consultations are for educational purposes only and do not constitute financial, legal, or tax advice. Please consult with a licensed professional for such matters.

7. Limitation of Liability

To the fullest extent permitted by law, KM Opulence Solutions LLC shall not be held liable for:

Any denial of credit, funding, or financing by lenders

Any damages, losses, or expenses related to your use of our Services

Any actions or decisions made by third-party lenders, credit bureaus, or financial institutions

8. Third-Party Services

We may recommend or provide links to third-party services such as credit monitoring, lenders, or affiliates. We are not responsible for their performance, accuracy, or results. Your use of third-party services is subject to their terms and conditions.

9. Termination

We reserve the right to suspend or terminate your access to our Services at any time if you:

Provide false or misleading information

Fail to pay required fees

Violate these Terms

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of [Insert State where business is registered], without regard to conflict of law principles.

11. Updates to Terms

We may update these Terms at any time. Updates will be posted on our website/funnel with the revised “Last Updated” date. Your continued use of our Services constitutes acceptance of the updated Terms.

Contact Us

For any questions regarding these Terms, please contact us at:
📧 [email protected]
📍 KM Opulence Solutions LLC