Terms of Service

Eligibility

You must be at least 18 years old and able to enter into legally binding agreements to use our services or submit information through our website.

Accuracy of Information

You agree to provide current, complete, and accurate information when using our website, requesting a consultation, or enrolling in services. You are responsible for the accuracy of the information you provide.

Consultations & Website Submissions

Submitting a form or requesting a consultation does not create a client relationship and does not guarantee acceptance for services. We may decline or limit services at our discretion, subject to applicable law.

Fees & Payment

Any fees for paid services will be disclosed to you before you purchase or enroll. Any payment terms, refund terms, or service-specific terms will be set out in a separate service agreement where applicable.

Credit Repair Disclosures

Results vary based on your individual credit profile, the accuracy of reported information, creditor and bureau responses, and other factors outside our control.

If applicable under the Credit Repair Organizations Act, you may have the right to cancel a signed agreement within three business days without charge or penalty. Any such cancellation rights will be described in your service agreement.

7. SMS Messaging Terms

By providing your mobile phone number and expressly opting in, you agree to receive recurring text messages from Essential Credit Solutions regarding consultation requests, appointment reminders, service notifications, account updates, document reminders, and customer support.

• Message frequency varies. Message and data rates may apply.
• To opt out, reply STOP at any time.
• For help, reply HELP or call +1 214-714-1281.
• Consent to receive SMS messages is not a condition of purchase.
• Mobile opt-in information and text messaging consent are not shared with third parties or affiliates for marketing or promotional purposes.
• Essential Holdings LLC and its mobile carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your network operator and cannot be guaranteed.

Permitted Use

• Do not misuse this website or interfere with its operation.
• Do not attempt unauthorized access to any part of our systems.
• Do not submit false information or use the website in violation of applicable law.

Intellectual Property

All website content, branding, text, graphics, logos, and materials on this site are owned by or licensed to the Company and may not be copied, reproduced, distributed, or used without permission, except as allowed by law.

Third-Party Services

We may use third-party tools, software, payment processors, scheduling platforms, analytics providers, and communication vendors to operate the website and deliver services. Your use of certain third-party features may also be subject to those providers' terms.

Disclaimers

This website and all services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the fullest extent permitted by law, Essential Credit Solutions and Essential Holdings LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the website or services.

Indemnification

You agree to indemnify and hold harmless Essential Credit Solutions, Essential Holdings LLC, and their officers, employees, contractors, and agents from claims, liabilities, damages, losses, and expenses arising from your misuse of the website, violation of these Terms, or violation of applicable law.

Governing Law

These Terms & Conditions are governed by the laws of the State of Texas and applicable federal law, without regard to conflict-of-law rules.

Changes to These Terms

We may update these Terms & Conditions from time to time. Updated terms will be posted on this page with a revised effective date.