Terms of Service

Welcome to Mahlah Zelophehad Credit Consulting & Advocacy (“M.Z.C.C.A”, “we”, “us”, or “our”). By accessing or using our website, services, or any related platforms, you agree to be bound by the following terms and conditions. If you do not agree with these Terms of Service, please discontinue use of our website and services.

1. Acceptance of Terms
By using our website, requesting consultations, submitting forms, or purchasing our services, you confirm that:

• You are at least 18 years of age.
• You have the legal capacity to enter into binding agreements.
• All information you provide is accurate and truthful.
• You will comply with all applicable laws when using our services.

2. Services Provided
Mahlah Zelophehad Credit Consulting & Advocacy offers:

• Credit repair consulting
• Financial education and advocacy
• Credit profile assessments
• Assistance with financial disputes
• Small business consulting services

These services are educational and advisory in nature. We do not guarantee specific financial outcomes, credit scores, loan approvals, or any other results. Improvements vary depending on a client’s history, participation, responsiveness, and actions taken with credit bureaus or creditors.

3. No Legal or Financial Advice
Information shared on our website, social media, blog, or consultations does not constitute legal, financial, investment, or tax advice. You should consult with a licensed attorney, accountant, or financial professional if you require such services.

4. User Responsibilities
You agree to:

• Provide accurate information during consultations or onboarding.
• Avoid submitting fraudulent, misleading, or illegally obtained documents.
• Actively participate in your own credit repair or consulting process.
• Keep your account login details secure.

You understand that failure to follow instructions, provide documents, or engage in the process may affect the quality and results of the services.

5. Payments, Billing, and Refunds
All prices are clearly listed on our website or provided in writing via email or contract.

Unless stated otherwise:

• Payments are due prior to service delivery or in accordance with your service agreement.
• Some services may require deposits.
• All fees are non-refundable once a service has been initiated, delivered, or work has begun.

Refunds may be considered only if no work has been performed or if required by applicable consumer protection laws.

Chargebacks filed without attempting resolution through customer support may result in:

• Account termination
• Cancellation of services
• Suspension of future support
• Potential collection proceedings for unpaid invoices

6. Client Communication and Consent
By contacting us or submitting forms, you consent to receive:

• Service-related communications
• Appointment confirmations
• Educational information
• Updates regarding your account

You may opt out of promotional messages at any time.

7. Intellectual Property
All content on this website, including:

• Text
• Branding
• Layout
• Graphics
• Articles
• Website design
• Digital materials

is the exclusive property of Mahlah Zelophehad Credit Consulting & Advocacy or our licensors. You may not copy, reuse, reproduce, sell, or distribute our content without written permission.

Unauthorized use may result in legal action.

8. Use of Our Website
You agree not to misuse our platform. You may not:

• Attempt unauthorized access to servers or systems.
• Upload malicious software, spam, or harmful content.
• Publish vulgar, defamatory, or fraudulent information.
• Engage in activity that interferes with website functionality.

Violation of these rules may lead to suspension of your access and potential legal consequences.

9. Third-Party Links and Services
Our website may contain links to third-party websites, tools, or platforms such as Google Analytics or payment processors.

We have no control over these third-party services and are not responsible for their policies, actions, or inaccuracies. You use them at your own risk.

10. Limitation of Liability
To the maximum extent permitted by law, Mahlah Zelophehad Credit Consulting & Advocacy is not liable for:

• Loss of profits, income, or revenue
• Credit application denials
• Credit score changes
• Missed financial opportunities
• Indirect or consequential damages of any kind
• Damages resulting from misuse of our website or services

Our services are offered as-is, without warranties unless explicitly stated in writing.

11. Indemnification
You agree to indemnify and hold harmless Mahlah Zelophehad Credit Consulting & Advocacy and its team members against claims resulting from:

• Misuse of services
• Breach of this agreement
• Misrepresentation of submitted information
• Violations of applicable laws

12. Credit Repair Compliance
We comply with U.S. credit repair regulations including:

• The Credit Repair Organizations Act (CROA)
• Fair Credit Reporting Act (FCRA)
• Applicable state consumer protection laws

We do not:

• Falsify credit history
• Create synthetic identities
• Ask clients to mislead credit bureaus
• Dispute legitimate debts unlawfully

13. Termination of Services
We reserve the right to suspend or terminate service if:

• Abuse, harassment, or inappropriate behavior occurs
• Fraudulent or illegal documentation is submitted
• Payment disputes or chargeback threats are made
• You violate these Terms of Service

Termination may occur without refund depending on circumstances.

14. Changes to These Terms
We may update these Terms of Service from time to time. We will post the new version on this page and update the “Last Updated” date. Continued use of our website or services indicates acceptance of the updated terms.

15. Governing Law
These Terms are governed by the laws of the Commonwealth of Pennsylvania and applicable federal law. Any disputes shall be resolved in the jurisdiction of Philadelphia, PA unless prohibited by local law.

16. Contact Us
If you have questions about these Terms or your account, contact us:

Mahlah Zelophehad Credit Consulting & Advocacy
1713 N 28th Street, Philadelphia, PA 19121
Email: info@mzccadvocacy.com
Phone: (267) 302-0907 | Fax: (267) 302-0908
Website: www.mzccadvocacy.com