Disclaimer | Freedom Formation

1. NOT a Credit Repair Organization

Freedom Formation is NOT a credit repair organization as defined under the Credit Repair Organizations Act (CROA).

We do NOT:

Repair bad credit or remove negative items from credit reports
Dispute credit report items or challenge credit bureaus
Promise to fix poor credit scores
Engage in activities regulated under CROA

We DO:

Provide credit building education and consulting for clients with GOOD credit (680+)
Help optimize existing good credit to excellent credit (740+)
Teach business credit building strategies
Assist with business credit card applications and funding strategies

Our services are designed for business owners who already have good personal credit and want to build business credit and access business funding.

2. No Guarantees or Warranties

We make NO guarantees or warranties regarding:

Credit Score Increases: We cannot guarantee any specific credit score improvement
Credit Approvals: We cannot guarantee approval for any credit cards or loans
Credit Limits: We cannot guarantee specific credit limits or funding amounts
Interest Rates: We cannot guarantee 0% APR or any specific interest rates
Cashback/Rewards: We cannot guarantee specific cashback or rewards earnings
Timeline: We cannot guarantee results within a specific timeframe
Return on Investment: We cannot guarantee financial returns

3. Individual Results Vary

Results from our programs vary significantly based on individual circumstances, including but not limited to:

Your current personal credit score and credit history
Your business age, revenue, and financial statements
Your industry, business structure, and tax situation
Your implementation of our strategies and recommendations
Current lending criteria of financial institutions
Economic conditions and market factors
Changes in credit bureau scoring models
Your existing debt and credit utilization

Past results of other clients do not predict or guarantee your future results.

4. Third-Party Decisions

All credit decisions are made by third-party lenders, credit card issuers, and financial institutions based on their own proprietary criteria. We have no control over:

Approval or denial of credit applications
Credit limits offered
Interest rates and fees charged
Terms and conditions of credit accounts
Changes to existing credit accounts

We are not responsible for decisions made by third-party lenders or credit bureaus.

5. Educational and Consulting Services

Our services are educational and consultative in nature. We provide:

Credit building education and strategies
Business formation consulting
Application guidance and support
Financial planning and optimization advice

We are NOT:

Licensed attorneys providing legal advice
Certified Public Accountants (unless specifically stated)
Registered investment advisors
Licensed financial planners

You should consult with appropriate licensed professionals for legal, tax, or investment advice.

6. FTC Earnings Disclaimer

Any earnings, revenue, or profit examples shared in our marketing materials, testimonials, or case studies are not typical results. These are exceptional cases and should not be expected by average users.

The Federal Trade Commission requires us to disclose that: Individual results will vary and no specific results are guaranteed. Your level of success depends on factors including your effort, implementation, current situation, and circumstances beyond our control.

7. Risk Disclosure

Applying for credit carries risks:

Hard Inquiries: Credit applications result in hard inquiries that may temporarily lower your credit score
Debt Risk: Accessing credit increases your available debt and must be managed responsibly
Interest and Fees: Credit cards and loans may carry interest, fees, and penalties
Credit Utilization: High credit utilization can negatively impact your credit score
Default Risk: Failure to repay credit can damage your credit and financial standing

You are responsible for managing any credit you obtain and making timely payments. We are not responsible for mismanagement of credit or financial losses.

8. Compliance with Laws

You are responsible for ensuring your use of our services and strategies complies with all applicable laws, including:

Fair Credit Reporting Act (FCRA)
Truth in Lending Act (TILA)
Equal Credit Opportunity Act (ECOA)
State and federal tax laws
Business licensing and registration requirements

9. Testimonials and Reviews

Any testimonials, case studies, or success stories represent the individual experiences of specific clients and do not represent a guarantee or promise of similar results. These individuals may have received compensation or benefits for their testimonials. Results are not typical and will vary.

10. No Financial or Legal Advice

Information provided through our services is for educational purposes only and should not be construed as financial, legal, or tax advice. We recommend consulting with licensed professionals before making significant financial decisions.

11. Website Content

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the accuracy, completeness, or reliability of any information on our website. Information may change without notice.

12. External Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Links do not constitute endorsement.

13. Changes to Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance.

14. Contact Us

If you have questions about this disclaimer, please contact us:

Freedom Formation

Email: legal@freedomformation.com

Phone: +1 (234) 567-890

Address: Cheyenne, Wyoming, USA

By using our services, you acknowledge that you have read, understood, and agree to this disclaimer.

If you do not agree with any part of this disclaimer, please do not use our services.