1. Agreement to Terms

By accessing or using King & Co.’s services, or by executing any agreement or Power of Attorney (POA) authorizing King & Co. to act on their behalf, the Client expressly agrees to be legally bound by these Terms and Conditions without exception.

If Client does not accept all terms herein, Client must immediately cease use of King & Co.’s services.

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2. Scope of Services

King & Co. provides services solely related to:

• Personal credit building and maintenance

• Business credit development and maintenance

• Credit monitoring and reporting assistance

• Application assistance for financial products

• Real estate group underwriting and co-signing support

• Wealth management support (credit-focused)

King & Co. does not:

• Guarantee credit score improvements, specific funding, or investment success

• Offer legal, tax, or securities advice unless separately contracted and licensed

• Assume any client’s personal financial liabilities or payment obligations

All services are performed at the Client’s express request, under the terms of a limited agency via POA.

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3. Power of Attorney Authorization

By signing a POA, Client grants King & Co. authority to:

• Apply for credit, banking, or financial products

• Submit credit disputes or account changes

• Open tradelines and business credit accounts

• Act within the authorized scope necessary to perform contracted services

Limitations:

• POA use is strictly limited to the services agreed to.

• King & Co. will not assume ownership of any asset, property, loan, or financial account created on behalf of the Client.

• Client may revoke POA at any time with written notice; however, revocation does not entitle Client to any refund for services already rendered.

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4. Assumption of Risk and No Guarantees

Client acknowledges and expressly accepts the following risks:

• Credit scores are controlled by independent third-party bureaus (Experian, Equifax, TransUnion)

• Lender approval decisions are outside of King & Co.’s control

• Real estate, credit, and lending markets fluctuate and involve inherent risk

• Certain actions (such as new applications) may temporarily lower credit scores

No warranties, representations, or guarantees of credit outcomes, loan approvals, funding amounts, or investment returns are made or implied.

Client assumes all financial risks associated with the use of services.

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5. Client Obligations

Client agrees to:

• Provide complete, accurate, and updated information as required

• Cooperate fully with document requests and account setup needs

• Pay any charges or bills associated with credit cards, loans, vendor accounts, or utilities opened under their name

• Maintain active communication with King & Co.

Failure to comply with obligations may result in suspension or termination of services without refund.

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6. Fees, Payments, and Refunds

Unless otherwise specified in writing:

• All service fees are due prior to commencement of work

• All fees are non-refundable once services begin, regardless of results

• Partial work completed constitutes billable services, even if full program is not completed

Client waives the right to dispute charges for completed services, whether or not the intended outcome is fully achieved.

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7. Limitation of Liability

To the fullest extent permitted by law:

• King & Co. shall not be liable for any special, incidental, indirect, consequential, or punitive damages arising from use of its services.

• King & Co.'s maximum aggregate liability for any claim shall not exceed the total amount paid by Client for services within the six (6) months prior to the date of the claim.

• Client hereby waives any claims arising more than six (6) months after the cause of action first arose.

Indemnification:
Client agrees to indemnify, defend, and hold harmless King & Co., its officers, employees, contractors, and affiliates from and against any and all claims, damages, liabilities, and costs arising from the Client’s use of services.

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8. Third-Party Services Disclaimer

King & Co. may connect, recommend, or facilitate access to third-party services (such as banks, lenders, Net 30 vendors, Experian Boost, etc.).
Client acknowledges that:

• King & Co. is not responsible for actions or omissions by any third-party service provider.

• Client releases King & Co. from all claims arising from third-party decisions, account denials, adverse credit reporting, or service interruptions.

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9. Data Privacy and Communication Consent

Client authorizes King & Co. to collect, store, and use personal information for the purpose of providing services.

Client consents to receive communications via email, SMS, phone call, or other electronic methods related to service delivery.

King & Co. employs commercially reasonable security measures but does not guarantee against data breaches.

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10. Termination and Survival of Terms

Either party may terminate services at any time with written notice.

In the event of termination:

• Client remains responsible for payment of services already rendered

• All indemnity, limitation of liability, and dispute resolution provisions shall survive termination

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11. Dispute Resolution and Governing Law

Any disputes shall be governed exclusively by the laws of the State of Georgia.

Client agrees to first engage in good faith mediation before filing any legal action.
If legal action proceeds, venue shall lie exclusively in the courts of Paulding County, Georgia.

In any litigation, the prevailing party shall be entitled to recover reasonable attorney’s fees and costs.

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12. Amendments

King & Co. may update these Terms and Conditions at any time.
Client’s continued use of services constitutes acceptance of updated Terms.

 

✅ Final Acceptance

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By using King & Co.'s services, signing any Power of Attorney, submitting any intake forms, or otherwise engaging with King & Co., Client agrees to be legally bound by these Terms and Conditions without modification.