Terms of Service | Credit Kingdom

SMS Messaging Terms & Compliance

1. Program Description:
This messaging program sends appointment confirmation, application status notifications, and reminder messages to customers who have contacted or submitted an inquiry with Credit Kingdom through our website at https://creditkingdom.org, or via our scheduling/application forms, and have explicitly opted in to receive SMS notifications. Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages include scheduling confirmations, application updates, advisory reminders, rescheduling updates, and customer support communications.

2. Cancellation Instructions:
You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

3. Support Information:
If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to rickardo@creditkingdom.org or call (952) 952-8239 during regular business hours.

4. Carrier Liability:
Carriers are not liable for delayed or undelivered messages.

5. Message & Data Rates:
Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.

6. Supported Carriers:
Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.

7. Age Restriction:
You must be 18 years or older to participate in our SMS program.

8. Privacy Policy:
For privacy-related inquiries, please refer to our Privacy Policy at https://creditkingdom.org/privacy-policy. We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.

General Terms

This website (the "Site") is owned and operated by Credit Kingdom ("COMPANY," "we" or "us"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Credit Kingdom.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to change these Terms of Service or to impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.

Intellectual Property Rights

Our Limited License to You:
This Site and all the materials available on the Site are the property of Credit Kingdom and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal non-commercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us.

Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium any material from the Site.

Your License to Us:
By posting or submitting any material (including comments, inquiries, contact form submissions, photos, and feedback) to us via the Site or other digital venues, you represent that you own the material or have obtained the necessary permissions. You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, and display such material for legitimate business execution.

Disclaimers & Financial Marketplace Representation

Credit Kingdom is an independent financing consulting and marketplace platform and is not a direct lender. We connect business owners with third-party financing institutions and guidance. Checking funding options utilizes a soft credit inquiry and will not impact your personal credit score. Proceeding with specific offers or lenders may require a formal application resulting in hard credit inquiries. Approval, interest rates, terms, and funding amounts are determined solely by participating lenders and are not guaranteed.

Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites or the information, products, or services offered on or through the sites. The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied.

You agree at all times to indemnify and hold harmless Credit Kingdom, its affiliates, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms of Service.

Governing Law & Contact Information

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which Credit Kingdom operates.

Credit Kingdom

Address: Eden Prairie, MN 55344, Eden Prairie, MN 55344

Phone: (952) 952-8239

Email: rickardo@creditkingdom.org

Website: https://creditkingdom.org