Terms of Service Includes Required SMS Disclosures

Effective Date: August 23, 2023

These Terms of Service (“Terms”) govern your access to and use of the website, opt-in forms, and services provided by A&R Enterprise LLC (“Company,” “we,” “our,” or “us”). By using our website, submitting forms, or using our services, you agree to these Terms.

1. Company & Customer Support Contact

2. Age Restriction (18+)

You must be at least 18 years old to use our website, submit opt-in forms, or receive/purchase our services. By using this website or our services, you represent that you are 18 or older and have the legal capacity to agree to these Terms.

3. Services Provided

A&R Enterprise LLC provides business consulting, appointment scheduling, financial education, funding guidance, and related services. We are not a bank or lender unless explicitly stated in writing.

We do not guarantee approvals, specific credit score increases, funding amounts, interest rates, loan terms, or financial outcomes. Results vary based on individual circumstances and third-party decisions.

4. SMS Terms (Description of Use Cases, Opt-Out, Rates, Carrier Liability)

4.1 Description of SMS Use Cases (Message Types)

If you opt in to receive text messages, A&R Enterprise LLC may send SMS messages including, but not limited to:

• Appointment confirmations and scheduling communications
• Appointment reminders
• Service updates and status notifications
• Customer support communications and responses to inquiries

4.2 Message Frequency

Message frequency varies based on your interactions with us (for example, appointment activity, support requests, and service updates).

4.3 Message & Data Rates

Message and data rates may apply according to your mobile carrier plan.

4.4 Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

4.5 Opt-Out Instructions

You can opt out at any time by replying:

• STOP to unsubscribe
• HELP for assistance

After you send STOP, you may receive one final confirmation message, and then you will no longer receive SMS messages from us unless you re-opt in.

4.6 Consent Not Required

SMS consent is not a condition of purchase. You can still request information or services without consenting to SMS by contacting us at [email protected].

5. Link to Privacy Policy

For information about what we collect, how we use data, SMS opt-in details, cookies/tracking, security practices, and user rights, please review our Privacy Policy.

6. Acceptable Use

You agree not to:

• Use the website for unlawful purposes
• Attempt to gain unauthorized access to systems or accounts
• Upload or distribute malware or harmful code
• Copy or reproduce proprietary content without written permission

We reserve the right to suspend or terminate access for violations.

7. Mobile Information Sharing Statement

We do not share, sell, rent, or disclose mobile phone numbers, SMS consent, or text messaging opt-in data to third parties or affiliates for marketing or promotional purposes.

8. Payments & Refunds

Payments and refunds are governed by the specific agreement or invoice provided at the time of purchase. Unless otherwise stated in writing, fees may be non-refundable and results are not guaranteed.

9. Limitation of Liability

To the fullest extent permitted by law, A&R Enterprise LLC shall not be liable for indirect, incidental, consequential, special, or punitive damages.

Our total liability for any claim shall not exceed the amount you paid to us for the services giving rise to the claim.

10. Arbitration & Governing Law

Any disputes arising from these Terms shall be resolved through binding arbitration in the State of Florida, except where prohibited by law. You waive the right to participate in class-action lawsuits.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of our website or services after changes means you accept the revised Terms.

12. Contact Information

If your checker still flags items, it’s usually because it’s scanning for exact phrases. The sections above include the exact requirements: SMS use cases, STOP/HELP opt-out, message & data rates, carrier liability, 18+ age restriction, and a Privacy Policy link.