{"id":1211,"date":"2025-11-25T16:50:25","date_gmt":"2025-11-25T16:50:25","guid":{"rendered":"https:\/\/mzccadvocacy.com\/?page_id=1211"},"modified":"2026-03-17T03:53:47","modified_gmt":"2026-03-17T03:53:47","slug":"terms-of-service","status":"publish","type":"page","link":"https:\/\/mzccadvocacy.com\/fr\/terms-of-service\/","title":{"rendered":"Terms of service"},"content":{"rendered":"<style>.elementor-1211 .elementor-element.elementor-element-6ec5e7d0{--display:flex;--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:space-between;--align-items:center;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--overflow:hidden;--padding-top:30px;--padding-bottom:30px;--padding-left:20px;--padding-right:20px;}.elementor-1211 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data-elementor-id=\"1211\" class=\"elementor elementor-1211\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec5e7d0 e-flex e-con-boxed e-con e-parent\" data-id=\"6ec5e7d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ad78c60 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6ad78c60\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Terms of Service<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-459a247a elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"459a247a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/mzccadvocacy.com\/fr\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cookies Policy<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c62bf6e e-flex e-con-boxed e-con e-parent\" data-id=\"7c62bf6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13b8174 elementor-widget elementor-widget-heading\" data-id=\"13b8174\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Last Updated: November 25, 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d619cfb elementor-widget elementor-widget-text-editor\" data-id=\"d619cfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Welcome to <span class=\"TextRun SCXW261526971 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261526971 BCX0\"><span class=\"NormalTextRun SCXW235049434 BCX0\">Mahlah Zelophehad<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">Credit Consulting &amp; Advocacy<\/span><\/span><\/span> (\u201cM.Z.C.C.A\u201d, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d). 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.<\/p><p><strong>1. Acceptance of Terms<\/strong><br \/>By using our website, requesting consultations, submitting forms, or purchasing our services, you confirm that:<\/p><ul><li>You are at least 18 years of age.<\/li><li>You have the legal capacity to enter into binding agreements.<\/li><li>All information you provide is accurate and truthful.<\/li><li>You will comply with all applicable laws when using our services.<\/li><\/ul><p><strong>2. Services Provided<\/strong><br \/><span class=\"TextRun SCXW261526971 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261526971 BCX0\"><span class=\"NormalTextRun SCXW235049434 BCX0\">Mahlah Zelophehad<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">Credit Consulting &amp; Advocacy<\/span><\/span><\/span> offers:<\/p><ul><li>Credit repair consulting<\/li><li>Financial education and advocacy<\/li><li>Credit profile assessments<\/li><li>Assistance with financial disputes<\/li><li>Small business consulting services<\/li><\/ul><p>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\u2019s history, participation, responsiveness, and actions taken with credit bureaus or creditors.<\/p><p><strong>3. No Legal or Financial Advice<\/strong><br \/>Information shared on our website, social media, blog, or consultations <strong>does not constitute legal, financial, investment, or tax advice.<\/strong> You should consult with a licensed attorney, accountant, or financial professional if you require such services.<\/p><p><strong>4. User Responsibilities<\/strong><br \/>You agree to:<\/p><ul><li>Provide accurate information during consultations or onboarding.<\/li><li>Avoid submitting fraudulent, misleading, or illegally obtained documents.<\/li><li>Actively participate in your own credit repair or consulting process.<\/li><li>Keep your account login details secure.<\/li><\/ul><p>You understand that failure to follow instructions, provide documents, or engage in the process may affect the quality and results of the services.<\/p><p><strong>5. Payments, Billing, and Refunds<\/strong><br \/>All prices are clearly listed on our website or provided in writing via email or contract.<\/p><p>Unless stated otherwise:<\/p><ul><li>Payments are due prior to service delivery or in accordance with your service agreement.<\/li><li>Some services may require deposits.<\/li><li>All fees are non-refundable once a service has been initiated, delivered, or work has begun.<\/li><\/ul><p>Refunds may be considered <strong>only if no work has been performed or if required by applicable consumer protection laws.<\/strong><\/p><p>Chargebacks filed without attempting resolution through customer support may result in:<\/p><ul><li>Account termination<\/li><li>Cancellation of services<\/li><li>Suspension of future support<\/li><li>Potential collection proceedings for unpaid invoices<\/li><\/ul><p><strong>6. Client Communication and Consent<\/strong><br \/>By contacting us or submitting forms, you consent to receive:<\/p><ul><li>Service-related communications<\/li><li>Appointment confirmations<\/li><li>Educational information<\/li><li>Updates regarding your account<\/li><\/ul><p>You may opt out of promotional messages at any time.<\/p><p><strong>7. Intellectual Property<\/strong><br \/>All content on this website, including:<\/p><ul><li>Text<\/li><li>Branding<\/li><li>Layout<\/li><li>Graphics<\/li><li>Articles<\/li><li>Website design<\/li><li>Digital materials<\/li><\/ul><p>is the exclusive property of <strong><span class=\"TextRun SCXW261526971 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261526971 BCX0\"><span class=\"NormalTextRun SCXW235049434 BCX0\">Mahlah Zelophehad<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">Credit Consulting &amp; Advocacy<\/span><\/span><\/span><\/strong>\u00a0or our licensors. You may not copy, reuse, reproduce, sell, or distribute our content without written permission.<\/p><p>Unauthorized use may result in legal action.<\/p><p><strong>8. Use of Our Website<\/strong><br \/>You agree not to misuse our platform. You may not:<\/p><ul><li>Attempt unauthorized access to servers or systems.<\/li><li>Upload malicious software, spam, or harmful content.<\/li><li>Publish vulgar, defamatory, or fraudulent information.<\/li><li>Engage in activity that interferes with website functionality.<\/li><\/ul><p>Violation of these rules may lead to suspension of your access and potential legal consequences.<\/p><p><strong>9. Third-Party Links and Services<\/strong><br \/>Our website may contain links to third-party websites, tools, or platforms such as Google Analytics or payment processors.<\/p><p>We have no control over these third-party services and are <strong>not responsible for their policies, actions, or inaccuracies.<\/strong> You use them at your own risk.<\/p><p><strong>10. Limitation of Liability<\/strong><br \/>To the maximum extent permitted by law, <span class=\"TextRun SCXW261526971 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261526971 BCX0\"><span class=\"NormalTextRun SCXW235049434 BCX0\">Mahlah Zelophehad<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">Credit Consulting &amp; Advocacy<\/span><\/span><\/span> is <strong>not liable<\/strong> for:<\/p><ul><li>Loss of profits, income, or revenue<\/li><li>Credit application denials<\/li><li>Credit score changes<\/li><li>Missed financial opportunities<\/li><li>Indirect or consequential damages of any kind<\/li><li>Damages resulting from misuse of our website or services<\/li><\/ul><p>Our services are offered <strong>as-is<\/strong>, without warranties unless explicitly stated in writing.<\/p><p><strong>11. Indemnification<\/strong><br \/>You agree to indemnify and hold harmless <span class=\"TextRun SCXW261526971 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261526971 BCX0\"><span class=\"NormalTextRun SCXW235049434 BCX0\">Mahlah Zelophehad<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">Credit Consulting &amp; Advocacy<\/span><\/span><\/span> and its team members against claims resulting from:<\/p><ul><li>Misuse of services<\/li><li>Breach of this agreement<\/li><li>Misrepresentation of submitted information<\/li><li>Violations of applicable laws<\/li><\/ul><p><strong>12. Credit Repair Compliance<\/strong><br \/>We comply with U.S. credit repair regulations including:<\/p><ul><li>The Credit Repair Organizations Act (CROA)<\/li><li>Fair Credit Reporting Act (FCRA)<\/li><li>Applicable state consumer protection laws<\/li><\/ul><p>We do <strong>not<\/strong>:<\/p><ul><li>Falsify credit history<\/li><li>Create synthetic identities<\/li><li>Ask clients to mislead credit bureaus<\/li><li>Dispute legitimate debts unlawfully<\/li><\/ul><p><strong>13. Termination of Services<br \/><\/strong>We reserve the right to suspend or terminate service if:<\/p><ul><li>Abuse, harassment, or inappropriate behavior occurs<\/li><li>Fraudulent or illegal documentation is submitted<\/li><li>Payment disputes or chargeback threats are made<\/li><li>You violate these Terms of Service<\/li><\/ul><p>Termination may occur without refund depending on circumstances.<\/p><p><strong>14. Changes to These Terms<\/strong><br \/>We may update these Terms of Service from time to time. We will post the new version on this page and update the \u201cLast Updated\u201d date. Continued use of our website or services indicates acceptance of the updated terms.<\/p><p><strong>15. Governing Law<\/strong><br \/>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.<\/p><p><strong>16. Contact Us<\/strong><br \/>If you have questions about these Terms or your account, contact us:<\/p><p><strong><span class=\"TextRun SCXW261526971 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW261526971 BCX0\"><span class=\"NormalTextRun SCXW235049434 BCX0\">Mahlah Zelophehad<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW235049434 BCX0\">Credit Consulting &amp; Advocacy<\/span><\/span><\/span><\/strong><br \/>1713 N 28th Street, Philadelphia, PA 19121<br \/>Email: <a href=\"mailto:info@mzccadvocacy.com\">info@mzccadvocacy.com<\/a><br \/>Phone: (267) 302-0907 | Fax: (267) 302-0908<br \/>Website: <a href=\"https:\/\/mzccadvocacy.com\/fr\/\">www.mzccadvocacy.com<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Terms of Service Home Cookies Policy Last Updated: November 25, 2025 Welcome to Mahlah Zelophehad\u00a0Credit Consulting &amp; Advocacy (\u201cM.Z.C.C.A\u201d, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d). 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, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-1211","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mzccadvocacy.com\/fr\/wp-json\/wp\/v2\/pages\/1211","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mzccadvocacy.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mzccadvocacy.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mzccadvocacy.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mzccadvocacy.com\/fr\/wp-json\/wp\/v2\/comments?post=1211"}],"version-history":[{"count":13,"href":"https:\/\/mzccadvocacy.com\/fr\/wp-json\/wp\/v2\/pages\/1211\/revisions"}],"predecessor-version":[{"id":1321,"href":"https:\/\/mzccadvocacy.com\/fr\/wp-json\/wp\/v2\/pages\/1211\/revisions\/1321"}],"wp:attachment":[{"href":"https:\/\/mzccadvocacy.com\/fr\/wp-json\/wp\/v2\/media?parent=1211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}