1. Agreement to Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your") and Equilance LLC ("Equilance," "we," "us," "our"), a limited liability company registered in the State of Michigan. By accessing or using our website at equilance.co and any related services, you agree to be bound by these Terms.
If you do not agree to these Terms, you must not access or use our website or services.
2. Description of Services
Equilance provides management consulting services focused on business systems, funding readiness, credit profile optimization, documentation systems, and capital access strategy. Our services include but are not limited to:
- Funding readiness assessments and scorecards
- Credit audit breakdowns and dispute kits
- Business profile engineering and documentation systems
- Capital access strategy and advisory retainers
- Educational resources and digital products
3. Eligibility
You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. By using our services, you represent and warrant that you meet these requirements.
4. Account and Registration
Certain services may require you to provide information or create an account. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
5. Purchases and Payments
All purchases made through our website are processed by Stripe, our third-party payment processor. By making a purchase, you agree to Stripe's terms of service in addition to these Terms.
- All prices are listed in U.S. dollars and are subject to change without notice
- Payment is due at the time of purchase unless otherwise agreed in writing
- You are responsible for any applicable taxes
6. Refund Policy
Due to the nature of our consulting services and digital products:
- Digital Products (Credit Audit Breakdown, Dispute Kit, etc.): All digital product sales are final. No refunds will be issued once the product has been delivered.
- Consulting Services: If you are unsatisfied with a consulting engagement, contact us within 7 days of service delivery to discuss resolution options.
- Discovery Calls: Free discovery calls carry no financial obligation.
7. Intellectual Property
All content on our website — including text, graphics, logos, designs, frameworks, methodologies, and digital products — is the property of Equilance LLC and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.
8. User Conduct
You agree not to:
- Use our services for any unlawful purpose
- Misrepresent your identity or provide false information
- Interfere with or disrupt the operation of our website
- Attempt to gain unauthorized access to our systems
- Redistribute, resell, or share purchased digital products
- Use our consulting frameworks or methodologies commercially without authorization
9. Consulting Disclaimer
Equilance provides management consulting services, including credit profile analysis and funding readiness assessments. We are not a credit repair organization as defined under the Credit Repair Organizations Act (CROA), a law firm, a licensed financial advisor, or a lender. Our services are educational and strategic in nature.
We do not guarantee any specific credit score improvements, funding approvals, or financial outcomes. Results vary based on individual circumstances, and past results do not guarantee future performance. See our Income Disclaimer for more information.
10. SMS Communications
By opting in to SMS communications, you agree to receive text messages from Equilance LLC regarding your consultation, order updates, funding readiness updates, and account progress. Message frequency varies. Message and data rates may apply. Reply STOP to opt out. SMS consent is not a condition of any purchase. See our SMS Terms & Conditions for full details.
11. Limitation of Liability
To the fullest extent permitted by law, Equilance LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, regardless of the cause of action. Our total liability for any claim arising from these Terms or our services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.
12. Indemnification
You agree to indemnify, defend, and hold harmless Equilance LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of a third party.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Michigan.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
15. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.
16. Contact Us
If you have questions about these Terms, contact us at:
Equilance LLC
Michigan, United States
Email: [email protected]