TERMS OF SERVICE
A&R Enterprise
Effective Date: 01/11/2026
1. Agreement to Terms
By accessing or using the services provided by A&R Enterprise ("Company," "we," "our," or "us"), you ("Client," "you") agree to be bound by these Terms of Service. If you do not agree, do not use our services.
2. Services Provided
A&R Enterprise provides online consulting services to business owners related to:
Business credit education
Business funding strategies
General guidance on improving creditworthiness and funding readiness
All services are educational and advisory in nature.
3. No Guarantees
You acknowledge and agree that:
We do not guarantee approval for credit, loans, or funding.
Funding decisions are made solely by third-party lenders, creditors, or financial institutions.
Results vary based on individual business profiles, credit history, and lender requirements.
4. Not Financial or Legal Advice
Our services do not constitute legal, financial, tax, or accounting advice. You are encouraged to consult with licensed professionals before making financial decisions.
5. Client Responsibilities
You agree to:
Provide accurate and complete information
Use our services for lawful business purposes only
Not misrepresent your identity or business information
6. Payments & Fees
Fees for consulting services are disclosed prior to purchase.
All payments are due as agreed at the time of booking or enrollment.
Unless otherwise stated, all sales are final and non-refundable.
7. Intellectual Property
All content, materials, strategies, documents, and branding provided by A&R Enterprise are our intellectual property and may not be copied, shared, or resold without written permission.
8. Limitation of Liability
To the fullest extent permitted by law, A&R Enterprise shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of our services.
9. Termination
We reserve the right to suspend or terminate services if these terms are violated or if misuse is suspected.
10. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of Nevada/America.
11. SMS Communications
By providing your phone number and submitting our web form, you consent to receive SMS text messages from A&R Enterprise. These messages may include appointment confirmations, reminders, and follow-up communications related to your consulting services.
Program: A&R Enterprise appointment and service updates
Frequency: 2–4 messages per month; frequency may vary based on your activity
Cost: Message and data rates may apply. Contact your wireless carrier for details.
To opt out: Reply STOP to any message at any time. You will receive one final confirmation, then no further messages.
To get help: Reply HELP or contact us at [email protected]
Carriers are not liable for delayed or undelivered messages. You must be 18 years of age or older to opt in to SMS communications.
12. Contact Information
A&R Enterprise Email: [email protected]