Terms of Service

Welcome to Providence Gainz. By accessing our services, website, forms, consultations, or SMS communications, you agree to the following Terms of Service. Please read them carefully.

1. Services Provided

Providence Gainz provides services related to:

  • Credit education

  • Credit-building guidance

  • Credit repair assistance

  • Financial literacy resources

  • Consultation services

We do not guarantee specific credit score increases, approvals, or financial outcomes.

2. Eligibility

By using our services, you confirm that:

  • You are at least 18 years old

  • The information you provide is accurate and complete

  • You are authorized to enter into this agreement

3. Client Responsibilities

You agree to:

  • Provide truthful and accurate information

  • Submit requested documents in a timely manner

  • Maintain communication during the service process

  • Understand that results vary based on individual credit history and financial behavior

Failure to cooperate may affect service outcomes.

4. No Guaranteed Results

Providence Gainz does not guarantee:

  • Credit score increases

  • Loan approvals

  • Mortgage approvals

  • Removal of all negative items

  • Specific financial outcomes

Results depend on several factors, including creditor reporting practices and your financial activity.

5. Payments & Fees

All service fees must be paid according to the agreed payment terms.

  • Fees are non-refundable unless otherwise stated in writing

  • Missed or late payments may result in suspension of services

  • Providence Gainz reserves the right to change pricing at any time

6. SMS/Text Messaging Terms (A2P Compliance)

By providing your mobile number and opting in, you agree to receive text messages from Providence Gainz related to:

  • Appointment reminders

  • Account updates

  • Service notifications

  • Customer support

  • Promotional offers (if consented)

Message Frequency

Message frequency may vary.

Message & Data Rates

Message and data rates may apply.

Opt-Out

Reply STOP at any time to unsubscribe.
Reply HELP for assistance.

Consent to receive SMS messages is not a condition of purchase.

7. Intellectual Property

All content provided by Providence Gainz, including logos, branding, educational materials, graphics, documents, and website content, remains the property of Providence Gainz and may not be copied, reproduced, or distributed without written permission.

8. Limitation of Liability

Providence Gainz shall not be held liable for:

  • Financial losses

  • Credit denials

  • Decisions made by lenders or creditors

  • Indirect or consequential damages

  • Delays caused by third parties

You use our services at your own discretion and risk.

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

9. Privacy

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to the collection and use of information as outlined in the Privacy Policy.

10. Termination

Providence Gainz reserves the right to terminate or refuse service if:

  • Fraudulent information is provided

  • Abuse, harassment, or misconduct occurs

  • Payment obligations are not met

  • Terms are violated

11. Governing Law

These Terms of Service shall be governed by the laws of the State of New Jersey.

12. Changes to Terms

Providence Gainz may update these Terms of Service at any time. Continued use of our services after updates constitutes acceptance of the revised terms.

13. Contact Information

For questions regarding these Terms of Service, please contact:

Providence Gainz
Email: [email protected]
Location: Delaware, United States