FINAX CONSULTING LLC operates https://marianabolivar.com and provides professional financial consulting and advisory services. Services may include personal and business credit improvement, credit-repair consulting, business credit development, business formation and structuring guidance, capital funding assistance, banking strategies, and financial planning. These Terms & Conditions govern use of https://marianabolivar.com, consultation requests, purchases of services, communications with FINAX CONSULTING LLC, and participation in the SMS/MMS messaging program. By using the website or purchasing services, you agree to these Terms and any service-specific written agreement that applies to your engagement.

You may use the website only for lawful, personal, and legitimate business purposes. You may not interfere with website operation, attempt unauthorized access, misuse forms or communications, introduce malicious code, scrape or harvest data in a manner that violates law or these Terms, or use the website to harm others. Information provided through the website is intended to describe available services and facilitate consultations. Website content may be changed, corrected, updated, suspended, or removed at any time.

The website and services are intended for adults age 18 or older. By using the website or purchasing services, you represent that you are at least 18 years old and legally able to enter into a binding agreement.

The website does not currently require customers to create public user accounts. You are responsible for providing accurate and current information when submitting consultation requests, forms, payment information, or other communications.

Professional services are provided based on the scope discussed during consultation and, where applicable, a separate proposal, invoice, engagement agreement, or service agreement. Fees, deliverables, timelines, and client responsibilities may vary by engagement. Payments may be processed through Stripe, PayPal, Zelle, or another payment method expressly offered by FINAX CONSULTING LLC. Third-party payment providers have their own terms and privacy practices. FINAX CONSULTING LLC does not guarantee the availability of any particular payment method.

FINAX CONSULTING LLC may send SMS/MMS messages to users who expressly opt in. Permitted messages may include consultation scheduling, appointment reminders, confirmations, customer-care responses, administrative service updates, follow-ups, and other permitted business communications. Marketing and non-marketing consent are treated separately where applicable. Marketing SMS consent is collected through a separate, optional marketing checkbox within the website chat widget or another clearly disclosed consent mechanism. The checkbox must be affirmatively selected by the user and is not a condition of purchasing services. To remain consistent with carrier and messaging-provider restrictions, FINAX CONSULTING LLC does not use SMS/MMS to advertise or solicit prohibited financial messaging categories, including credit-repair promotions, debt-relief offers, lending or loan offers, or other content prohibited by applicable carrier or platform rules. Any promotional SMS sent under the program is limited to content permitted by applicable messaging rules.

By affirmatively opting in, you authorize FINAX CONSULTING LLC to send recurring SMS/MMS messages to the mobile number you provide. You may receive up to 4 messages per month. Message and data rates may apply. SMS consent is separate from general website use and separate from merely submitting a phone number. You may use the website, request information, or purchase services without agreeing to receive marketing text messages, unless a particular communication is strictly necessary to complete a request you initiated and is otherwise permitted by law.

You can cancel the SMS service at any time. Just text "STOP" to +1 321-321-1479. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected] or +1 321-368-6440.

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to 4 messages per month. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

If you have any questions regarding privacy, please read our Privacy Policy: https://marianabolivar.com/privacy-policy.

You must provide accurate contact and consultation information and promptly update information that becomes inaccurate. If you provide a mobile number, you represent that you are authorized to use that number. If your mobile number changes or you no longer own or control a number previously provided to FINAX CONSULTING LLC, you should notify us promptly so that communications can be updated or stopped.

You may not use the website, services, payment channels, forms, chat tools, or communications for unlawful, fraudulent, abusive, threatening, defamatory, infringing, deceptive, harmful, or disruptive conduct.

Unless otherwise stated, the website, branding, text, graphics, logos, design elements, downloadable materials, and other content made available by FINAX CONSULTING LLC are owned by or licensed to FINAX CONSULTING LLC and are protected by applicable intellectual property laws. You may view and use website content for your own lawful, non-commercial informational purposes. You may not copy, reproduce, republish, sell, distribute, create derivative works from, or commercially exploit protected content without prior written permission.

The website and business operations may use third-party providers, including Stripe, PayPal, Zelle, Google Analytics, Meta Pixel, TikTok Pixel, Google Ads, Facebook Ads, CRM systems, email platforms, and SMS providers. These providers operate under their own terms and privacy practices. Links to third-party websites, if present, are provided for convenience and do not imply that FINAX CONSULTING LLC controls or endorses every third-party site, service, statement, or practice.

To the fullest extent permitted by law, the website and general website content are provided on an 'as available' basis. FINAX CONSULTING LLC does not warrant that the website will be uninterrupted, error-free, or free of harmful components. Nothing on the website or in general marketing materials constitutes a guarantee of a particular financial, credit, business, or funding result.

To the fullest extent permitted by law, FINAX CONSULTING LLC will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from use of the website or services, loss of data, third-party decisions, or reliance on general website information. Where liability cannot lawfully be excluded, liability will be limited to the extent permitted by applicable law and any controlling written service agreement.

To the extent permitted by law, you agree to indemnify and hold harmless FINAX CONSULTING LLC and its owners, personnel, contractors, and service providers from claims, losses, liabilities, and reasonable costs arising from your unlawful misuse of the website, your breach of these Terms, your infringement of another person's rights, or inaccurate information you knowingly provide.

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law or another mandatory law applies. Any dispute that is not resolved informally shall be brought in a court of competent jurisdiction serving Osceola County, Florida, unless applicable law requires a different venue. Nothing in this section limits any non-waivable consumer right or remedy.

FINAX CONSULTING LLC may update these Terms from time to time. The revised version will be posted on the website with an updated Effective Date. Continued use of the website after an update constitutes acceptance of the revised Terms to the extent permitted by law.