1. Scope of Services: Echols Financial LLC (“the Company”) provides credit repair and business credit profile creation services to individuals and businesses seeking to improve their creditworthiness. The Company’s services include but are not limited to credit analysis, dispute resolution, and financial guidance.

1. 1. Client Responsibilities: Clients agree to provide accurate and up-to-date information necessary for providing services by the Company. Clients are responsible for maintaining timely payments on their existing accounts and adhering to any recommendations provided by the Company to improve their credit profile.

1. 1. Guarantee of Results: While the Company strives to achieve positive outcomes for its clients, it cannot guarantee specific results or improvements to credit scores. Results may vary based on individual circumstances and the accuracy of information provided by credit bureaus and creditors.

1. 1. Fees and Payment: Clients agree to pay the Company for services rendered following the fee structure outlined in their service agreement. Fees are non-refundable and must be paid in full before the commencement of services.

1. 1. Confidentiality: The Company respects the privacy and confidentiality of its clients’ information. Client data will be handled under applicable privacy laws and will not be disclosed to third parties without consent, except as required by law.

1. 1. Termination of Services: Either party may terminate the service agreement at any time with written notice. In the event of termination, clients may be responsible for payment of fees for services rendered up to the termination date.

1. 1. Indemnification: Clients agree to indemnify and hold harmless the Company, its officers, employees, and affiliates from any claims, damages, or liabilities arising out of or related to the services provided, including but not limited to inaccuracies in credit reports, disputes with creditors, or financial losses.

1. 1. Governing Law: These terms and conditions shall be governed by and construed in accordance with the laws of the state of Texas. Any disputes arising under this agreement shall be subject to the exclusive jurisdiction of the courts of Texas.

1. 1. Amendment of Terms: The Company reserves the right to amend these terms and conditions at any time without prior notice. Clients will be notified of any changes to the terms and conditions, and continued use of the Company’s services constitutes acceptance of the amended terms.

By engaging the services of Echols Financial LLC, clients acknowledge that they have read, understood, and agree to abide by these terms and conditions.