These Terms of Service ("Terms") govern your access to and use of the website reepay-finance.com and the financial consulting services provided by Reepay Finance ("we," "our," or "us"). By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
1. Services Overview
Reepay Finance provides financial consulting services including, but not limited to:
- Debt consolidation guidance and planning
- Creditor negotiation and settlement facilitation
- Repayment strategy development
- Budget optimization and analysis
- Credit restoration assistance
- Financial freedom coaching
Our services are consultative in nature. We are a financial consulting firm, not a law firm, bank, or credit repair organization as defined under federal law. We do not provide legal, tax, or investment advice.
2. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Provide accurate, current, and complete information
- Have the legal capacity to enter into binding agreements
3. Consultations
Initial consultations are provided free of charge and carry no obligation. During the consultation, we will:
- Review your financial situation based on information you provide
- Discuss potential strategies and solutions
- Provide a preliminary assessment and recommendations
- Outline service options and associated fees, if applicable
Any ongoing services beyond the initial consultation will require a separate written agreement outlining scope, fees, and terms.
4. Client Responsibilities
As a client, you agree to:
- Provide truthful and complete information about your financial situation
- Notify us promptly of any changes to your financial circumstances
- Respond to communications in a timely manner
- Follow through on agreed-upon action items in your repayment plan
- Make payments as outlined in any service agreement
5. Fees and Payment
Our fee structure is transparent and will be clearly communicated before any paid services begin. Key points include:
- Initial consultations are always free
- Service fees vary based on the type and complexity of services
- Some programs use performance-based fees (you pay as results are delivered)
- All fees will be documented in a written service agreement
- No hidden fees or undisclosed charges
6. SMS/Text Messaging Terms
- You consent to receive text messages from Reepay Finance at the phone number you provide
- Messages may include appointment reminders, inquiry responses, financial tips, and service updates
- Message frequency varies; you may receive up to 10 messages per month
- Message and data rates may apply based on your carrier and plan
- You may opt out at any time by replying STOP to any message
- For help, reply HELP or email jesus@reepay-finance.com
- Consent to receive text messages is not a condition of purchasing any services
- We will not share your opt-in data or phone number with third parties for marketing
- Carriers are not liable for delayed or undelivered messages
- Compatible carriers include but are not limited to: AT&T, Verizon, T-Mobile, Sprint, and major MVNOs
7. No Guarantee of Results
While we have a strong track record of success, we cannot guarantee specific results. Financial outcomes depend on many factors including:
- Your total debt amount and types of debt
- Creditor willingness to negotiate
- Your adherence to the agreed repayment plan
- Changes in your financial circumstances
- Economic conditions and interest rate changes
Any projections, estimates, or examples provided are for illustrative purposes only and do not constitute guarantees of future performance.
8. Confidentiality
We treat all client information as confidential. We will not disclose your personal or financial information to third parties except:
- With your explicit written consent (e.g., when negotiating with creditors on your behalf)
- As required by law or legal process
- To trusted service providers bound by confidentiality agreements
9. Intellectual Property
All content on our website — including text, graphics, logos, icons, images, and software — is the property of Reepay Finance and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works from our content without written permission.
10. Website Use
When using our website, you agree not to:
- Use the website for any unlawful purpose
- Attempt to gain unauthorized access to our systems
- Transmit viruses, malware, or harmful code
- Scrape, harvest, or collect data without permission
- Interfere with the website's operation or security
11. Limitation of Liability
To the maximum extent permitted by law, Reepay Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability for any claim shall not exceed the amount you paid us for the specific service giving rise to the claim.
12. Indemnification
You agree to indemnify and hold harmless Reepay Finance, its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.
13. Dispute Resolution
Any disputes arising from these Terms or our services shall be resolved through:
- Good Faith Negotiation: We will first attempt to resolve disputes through direct communication
- Mediation: If negotiation fails, disputes will be submitted to mediation in the State of Florida
- Governing Law: These Terms are governed by the laws of the State of Florida
14. Termination
Either party may terminate the service relationship at any time with written notice. Upon termination:
- We will cease all services and negotiations on your behalf
- You will be responsible for any fees earned prior to termination
- We will provide you with documentation of all work performed
- Confidentiality obligations will survive termination
15. Modifications
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our website or services after modifications constitutes acceptance of the revised Terms.
16. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
17. Contact Information
For questions about these Terms of Service, please contact us:
- Reepay Finance
- Contact: Jesus Berra
- Email: jesus@reepay-finance.com
- Location: Florida, United States
- Website: reepay-finance.com