Terms Of Use

This Website Terms of Use Agreement (“Website Terms”) is between you and All In One Consulting, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) (“All in one consulting, “we” or “us”), with a principal place of business at 7901 4th St N, STE 300 St. Petersburg , FL 33702 Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as an agreement in writing and govern your use of this site and its content (the “Website”), your engagement of us, our credit and or legal services, your request that we contact you about services, and/or your participation in our Email and or Text Message Program which further includes sending emails and text message(s) to us and/or receiving emails and text message(s) from us.

BY USING THE WEBSITE, ENGAGING IN OUR CREDIT REPAIR SERVICES, REQUESTING THAT WE CONTACT YOU ABOUT ITS SERVICES, AND/OR PARTICIPATING IN ANY OF OUR ELECTRONIC AND OR SOCIAL MEDIA PLATFORM CREDIT EDUCATION OPTIONAL PROGRAMS,YOU SIGNIFY YOUR AGREEMENT TO THE FOLLOWING WEBSITE TERMS.

Our Privacy Policy applies to your use of our website, all services provided by us, your request that we contact you about our services, and/or your participation in our Email and or Text Message Program, and its terms are made a part of the Website Terms. Using our services, requesting that we contact you about our services, and/or participating in our optional credit education program, you acknowledge you have reviewed our Privacy Policy and agree to all respective terms found within.

1. About The Website Terms

The Website is a service made available by All In One Consulting. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, discontinue using our services, rescind your request that we contact you about our services, and/or discontinue your participation  in our credit education program before the changes take effect. Your continued use of the Website, use of our services, request that we contact you about our services, and/or participation in our credit education program after any such changes take effect constitutes your acceptance to such changes. Each time you visit or log in to the Website, continue using our services, continue your request that we contact you about our services, and/or participate in our Text Message Program, you reaffirm your acceptance of the Website Terms. You are responsible for regularly reviewing the Website Terms, by clicking on the “Terms of Use” link on our website. The Website Terms may be supplemented by additional terms and conditions applicable to privacy, specific areas of this Website, or to where particular content or transactions are posted in particular areas of the Website and, together with the Website Terms, govern your use of those areas, content, or transactions.

2. About the Website

The Website gives users information about our services, general educational and informational resources about credit, and the ability to sign up for and engage in our services.

3. Engagement of Our Services

You are not required to engage in our services in order to visit and read material on the Website; however, you will need to engage our services if you want us to assist you in your efforts to remove inaccurate, incorrect, and obsolete information off of your credit reports under the FCRA.. If you engage us, you agree to provide accurate and complete information. You must be legally capable to enter into contracts and over the age of 18 years old. It is your responsibility to make any updates to your sign-up information. Each engagement is for a single person only. We do not permit any other person to engage our services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify us immediately.

4. Client Files

Should you choose to engage our services, you will enter into a separate written agreement with us. Each credit file we create in conjunction with this separate written agreement is called a “Client File.” Your Client File will continue to be subject to the agreements otherwise governing them, except where so noted in the related agreement. Each Client File will be subject to the following:

  • The terms or instructions appearing on a screen when using any of our client portals or our 3rd party portals required in order to generate, maintain, and audit the most up to date information pertaining to your client file with us.
  • Our policies and procedures applicable to the Client File and the online service;
  • Applicable state and federal laws and regulations.

5. Access to Client Files

Credit report information can be accessed at any time through our 3rd party credit monitoring, credit report and score platform (IDIQ) and by engaging in our services you authorize us, and our team of staff to access this information electronically in order to collect necessary information in order to continue working on your file.  

For questions regarding your file please feel free to contact us during regular business hours and a member of our team will be happy to assist you.

6. Ownership

The Website contains information, content or advertisements text, photographs, designs, graphics, images, sound and video recordings, animation and other materials and effects (collectively, the “Content”) that are protected by copyrights, trademarks, service marks, trade dress, patents or other intellectual or proprietary rights owned by us or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, we retain all rights (including intellectual property rights), title and interest in the Website, technology, and all underlying technology and data including any enhancements, software, applications and improvements related to the Website (the “Technology”) (the terms Content and Technology collectively will be referred to as the “Materials”). You may not remove from any electronic or printed copy any copyright, trademark, or other proprietary notice.

7. Use of Website and Materials

We provide the Website and the Materials for your individual, non-commercial use and solely for the purpose of carrying out individual transactions with the Website. Any other use of the Website or the Materials is strictly prohibited without direct, written permission from our team.  This information directly or indirectly may include but is not limited to:

  • Modify, republish, redistribute, delete, resell, sublicense, publicly perform, cache by proxy the Website or Materials without the express written permission of us or the applicable rights holder;
  • Use the Materials for telemarketing, direct marketing, and commercial mass e-mail or by agents or representatives or e-mail spammers;
  • Reverse engineer, decompile, disassemble, merge, copy, use, disclose, rent, lease, loan, sell, sublicense or transfer the underlying source code or structure or sequence of the Technology or delete or alter author attributes or copyright notices;
  • Use any network monitoring or discovery software to determine Website architecture, or extract information about usage or users;
  • Re-format or frame any portion of the Website or Materials;
  • Use any device, software or routine that interferes with the proper working of the Website, or otherwise attempt to interfere with the proper working of the Website;
  • Take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure;
  • Attempt to gain unauthorized access to other computer systems;
  • Violate the Website Terms, applicable  or the rights of others; or disrupt or interfere with the security of, or otherwise cause harm to, the Website.

Any permitted use of the Website does not extend to using the Website or Materials for any illegal purpose, or to transmit to or through the Website or to or through any service any illegal, harmful, threatening, defamatory, obscene, hateful, pornographic or other objectionable material of any kind, or to interfere with, abuse or otherwise violate the legal rights of any third party using the Website or Materials.

Without limiting other remedies, we may limit, suspend, or terminate our service and user accounts, prohibit access to our website, remove hosted content, and take technical and legal steps to keep users off the Website if we think that they are creating problems, possible legal liabilities, or acting inconsistently with the letter or spirit of our policies. We also reserve the right to cancel unconfirmed accounts.

8. License

By using the Website, uploading content to or, submitting any materials for use on the Website, you grant (or warrant that the owner of such rights has expressly granted) us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from and distribute such materials and/or information generated through use of the Website or incorporate such materials and/or information generated through use of the Website into any form, medium, or technology now known or later developed throughout the universe. We need these rights to host and display your content.

Anonymous, aggregate information that does not contain personally identifiable information, comprising account information, or other available data that is collected through your use of the Website, may be used or licensed by us for various purposes including but not limited to conducting certain analytical research, performance tracking, benchmarking, helping to improve products and services and to assist in troubleshooting and technical support.

9. Automated Activity

The Website may use robot exclusion methods, which include robots.txt files and HTML meta tags, which expressly allow and/or exclude specified automated programs from accessing certain portions of the Website. Much of the information on the Website is updated on a real time basis and is proprietary or is licensed to us by our users or third parties. You agree that you will not use any robot, spider, scraper or other automated means to access the Website for any purpose, including but not limited to performing “offline” searches and mirroring, without our express written permission as indicated in the then current robots.txt file or HTML meta tags on the Website.  

Additionally, you agree that you will not bypass our robot exclusion methods or other measures we may use to prevent or restrict access to the Website.

10. Linking

You may provide links only to the homepage of this Website, provided (a) you do not remove or obscure, by framing or otherwise, any portion of the homepage, (b) you give us notice and (c) you discontinue providing links to this Website if requested by us. If you wish to provide links to a section within the Website, you should forward your request to us and we will notify you if, within its sole and unfettered discretion, permission is granted, and, if so, the terms and conditions of the permission. 

Blog Article Linking:  We welcome external linking opportunities, and aims to be a credit resource center for both consumers into the future.  If you would like to link to one of our articles you may do so without express permission from us.

Please note that our management team is additionally open to providing credit education interviews, guest posts and podcast appearances.  Please contact us using our contact form and a member of our team will reach out to you in order to work with you on media planning needs and guest appearances across the state of Texas.

11. Representations

You represent and warrant to us that (a) you are over the age of 18 years old, and are legally capable to enter into contracts, (b) you are providing us at all times true, accurate and up to date information about yourself, (c) you will comply at all times with the Website Terms and applicable  and (d) your use of the Website and any transactions that you make with us will not violate the rights of any third party.

Our services and Website, the underlying information, software and technology are subject to U.S. export controls. None of the Website services or content may be downloaded, or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, North Korea, Iran, Sudan, Syria or any other country subject to U.S. sanctions applicable to the export or re-export of goods, (ii) to anyone on the U.S. Treasury Department’s List of Specially Designated Nationals and Blocked Persons List, or the U.S. Commerce Department’s Denied Persons List, Unverified List, Entity List or Nonproliferation Sanctions List. By using our services and Website, you agree to the foregoing and you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list, and that you acknowledge you are responsible to obtain any necessary U.S. government authorization to ensure compliance with U.S. .

12. Disclaimer

We make every effort to ensure the information presented in, on or through its Website is accurate; however, we make no guarantee as to such information, and is not responsible for any resulting loss or damage.

13. Warranty, Liability, Indemnification

We make no representations regarding the availability and performance of its Website. You hereby acknowledge that any use of the Website and reliance upon any Materials shall be at your sole risk and that we shall not be liable for any loss of data, lost profits or any other damages or losses resulting from such use.

THE WEBSITE AND MATERIALS ARE PROVIDED BY US ON AN “AS IS” BASIS AND AS AVAILABLE, WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE. L&R ASSOCIATES LLC EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND THE IMPLIED CONDITIONS OF SATISFACTORY QUALITY AND ACCEPTANCE AS WELL AS ANY LOCAL JURISDICTIONAL ANALOGUES TO THE ABOVE AND OTHER IMPLIED OR STATUTORY WARRANTIES. WE MAKE NO REPRESENTATIONS THAT THE WEBSITE OR MATERIALS WILL MEET YOUR REQUIREMENTS, OR THE RESULTS THAT YOU MAY GAIN FROM YOUR USE OF THE WEBSITE.

IN NO EVENT SHALL ALL IN ONE CONSULTING, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR CONTRACTORS BE LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, OR ANY CLAIMS OF YOU OR OTHER THIRD PARTIES WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE MATERIALS REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE OR FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM AN ACT OF GOD, COMMUNICATIONS FAILURE, THEFT OR OTHERWISE. ALL IN ONE CONSULTING SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER RESULTING FROM ANY FAILURE OF THE INTERNET. 

Some states do not allow the exclusion or limitation of liability of consequential or incidental damages, so the above exclusions may not apply to all users; in such states liability is limited to the fullest extent permitted by .

ALL IN ONE CONSULTING DOES NOT GUARANTEE THAT ANY CONTENT, INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE THROUGH THE WEBSITE WILL BE FREE OF VIRUSES, “WORMS”, “TROJAN HORSES”, OR THEIR HARMFUL COMPONENTS. KEY POINT FUNDING’S ENTIRE LIABILITY AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE USE OF ANY SERVICES PROVIDED BY US SHALL BE IN CANCELLATION OF YOUR ACCOUNT.

14. Indemnity

You agree to indemnify, defend, and hold harmless All In One Consulting, its officers, directors, employees, agents, representatives, vendors and distributors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that such parties may incur as a result of or arising from your (or anyone using your account’s) violation or breach of any representation or obligation under the Website Terms. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with our defense of such claim.

15. Privacy

We may, subject to and in accordance with our Privacy Policy for marketing and other purposes, collect, process and transmit certain data obtained from and about you in the course of your accessing the Website or during a phone consultation, including information collected in the course of an abandoned transaction. By agreeing to the Website Terms you agree to such data being so used and further agree that it may be transmitted to others whether or not within the United States in accordance with our Privacy Policy and under applicable privacy and data protection legislation. Information on how and what type of data (if any) is held about you can be obtained by clicking here to review our Privacy Policy or by contacting us.

16. Electronic Notices and Transactions

You agree to transact with us electronically. This means you agree to accept any terms and conditions and to transact any business with us by electronic means, which includes receiving all documents in HTML or PDF format and communicating over the Internet. You also certify that you are at least 18 years of age and have access to the Internet to receive our communication, and to request that we contact you about its services, to participate in our Text Message Program, and to view, print and retain all documentation. You authorize us to send you important notices about the Website and any pending transactions to an email address you provide to us, if you are a client of ours or have requested that we contact you about our services. It is your duty to keep your email address up to date and to maintain a valid email address and to ensure that emails we send you are not filtered or stopped by spam filters or other types of email blocking functionalities. If you no longer desire to communicate electronically with us, you may no longer use the Website or our services. You can retrieve and review the Website Terms at any time by visiting our terms of use, privacy policy, and applicable required disclosures and may receive paper copies by calling us during regular business hours.

17. Access

You are responsible for obtaining at your own expense all equipment and services needed to access and use the Website, including all devices, Internet browsers and Internet access. If you access the Website or a Website application through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging and other wireless access or communications services.

18. Notice Regarding Technology

Your use of the Website must comply with all applicable laws in the territory in which you access and use the Website.

19. Miscellaneous

We reserve the right to investigate complaints or reported violations of the Website Terms and to take any action that we deem appropriate including but not limited to reporting any suspected unful activity to  enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, e- mail addresses, usage history, posted materials, IP addresses and traffic information. Our team further, reserves the right to seek all remedies available at and in equity for violations of the Website Terms, including but not limited to the right to block access from a particular Internet address to our website. These incorporate by reference any notices contained on the Website and constitute the entire agreement with respect to access to and use of the Website, your request that we contact you about our services, and/or your participation in our Text Message Program. You agree that the provisions and covenants set forth herein are reasonable. In the event that any provision or covenant of the Website Terms shall be held invalid, illegal or unenforceable by a court or arbitrator of competent jurisdiction for any reason, including but not limited to the scope thereof, then such provision will be severed and replaced with a new provision that most closely reflects the original intention thereof, and the remaining provisions of the Website Terms will remain in full force and effect for the greatest time period and for the broadest scope permitted by applicable . Without limiting the foregoing, you agree and request that if any court or arbitrator of competent jurisdiction considers any provision or covenant of the Website Terms to be overly broad based on the circumstances at the time enforcement is requested, that such court or arbitrator construe and enforce the provision or covenant to the fullest extent that such court or arbitrator deems reasonable.

THE WEBSITE TERMS SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE SECRETARY OF THE STATE OF FLORIDA, USA, AS THEY APPLY TO AGREEMENTS MADE SOLELY THEREIN, PROVIDED, HOWEVER, THAT THE ARBITRATION CLAUSE IS GOVERNED BY FEDERAL LAW . The Arbitration Clause, the obligations in the first four paragraphs of the Website Terms, Sections 5 through 8, 10 through 15 and 17 through 20, shall survive termination of the Website Terms.

We shall not be deemed to have waived any rights or remedies in the Website Terms unless such waiver is in writing and signed by us. No delay or omission on the part of us in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a waiver of any rights or remedies on future occasions.

The Website Terms constitute the entire agreement and understanding between you and All In One Consulting, except as you and All In One Consulting may later agree in writing to modify the Website Terms. The Website Terms supersedes any and all prior agreements and understandings, oral or written, relating to the subject matter contained herein.

20. Confidentiality of Information / Creation of Attorney-Client Relationship

The information presented on the Website does not create a business-client relationship. ALL ARTICLES AND MATERIAL DISPLAYED BY US ON THE WEBSITE ARE FOR INFORMATION ONLY (EXCEPTING OUR PRIVACY POLICY AND THE WEBSITE TERMS, WHICH ARE BINDING CONTRACTS), ARE NO SUBSTITUTE FOR SPECIFIC ADVICE, AND ARE IN NO MANNER TO BE CONSIDERED LEGAL ADVICE OR OTHER LICENSED PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR. FOR SPECIFIC LEGAL ADVICE REGARDING YOUR PARTICULAR CIRCUMSTANCES, YOU MUST RETAIN LEGAL COUNSEL. 

We do not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Website. You acknowledge that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole risk. We reserve the right, in its sole discretion, to correct any errors or omissions in any portion of the Website.

Any information contained on the Website with respect to results obtained by us is not meant to indicate that the same or similar results can or will be obtained in other cases or situations. Results will vary depending on the facts and circumstances of each individual matter. Prior results do not predict, warrant or guarantee a similar outcome. References to past or present clients or the circumstances of their specific matters do not constitute testimonials or endorsements by such clients, nor are they a guarantee, warranty or prediction of the outcome of your legal matter.

Electronic mail or other communications through this site to us (or any of its lawyers, other employees, agents or representatives) are not secure and are not subject to the attorney-client privilege. Accordingly, we do not guarantee the confidentiality of such communications. You acknowledge that transmissions to and from the Website are not confidential and your communications may be read or intercepted by others. Any unprotected e-mail communication over the Internet is subject to possible interception or loss, is not confidential and is also subject to possible alteration. We are not responsible for and will not be liable to you or any third party for damages in connection with an e-mail sent by you to us or an e-mail sent by us to you, or anyone you designate, at your request. Violators of this section who use our services for any illegal purpose including but not limited to repeated unwanted emails or “Spam,” may be prosecuted to the full extent of the . You acknowledge that by submitting communications to us, no confidential, fiduciary, contractually implied or other relationship is created between you and us other than pursuant to the Website Terms and any subsequent written agreement entered into with us.

You are solely responsible for (a) maintaining the confidentiality and security of your login information, passwords, and any other security or access information used by you or anyone you authorize on your behalf to access the Website and your account information, (b) preventing unauthorized access to or use of the information, files, or data that you store or use in or with our Website, (c) all electronic communications, including account registration and other account holder information, email and financial, accounting and other data entered using our Website, and (d) without limiting the foregoing, any and all activities that occur under your account. We will assume that any communications received through the use of our Website was sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft, or unauthorized use of our Website or your account information,

Please do not use the information on our Website to distribute unsolicited bulk e-mails, solicitations or inquiries. The foregoing acts will constitute a violation of the Website Terms.

21. Use of Financial Application Services

Our Website will allow you access to third party provider services (“Provider Services”). We have no control over the Provider Services or your access to the Provider Services. We do not guarantee the Provider Services. By using the Provider Services, you acknowledge L&R Associates LLCdisclaims any and all liability whatsoever for any actions or inactions of Provider Services.

We provide the Website for your convenience. You use and rely on the information therein at your sole risk. Neither us nor any of our affiliates, third party providers, partners, licensors, employees, distributors or agents are responsible or liable for, or makes any representations or warranties as to the following, without limitation:

  • Any representations, promises, recommendations or inducements that may be made by or through any party (including vendors) found at, on, through or from the Website;
  • The timeliness, accuracy, reliability, completeness, legality, copyright compliance or decency of the Website;
  • Any inaccuracy, omission, error or delay in the services offered on the Website;
  • Non-performance of or interruption to the Website or its services due to (i) any act or omission by any disseminating party, (ii) any force majeure or any other cause beyond the control of any disseminating party, or (iii) outages, 
  • transmission quality or malfunctions of telephone circuits or computer systems, including any defects or failures with respect to your software computer systems or Internet access provider;
  • Any loss resulting from, including any unauthorized access by a third party, arising out of or related to your access and/or use of or interaction with the Website.

22. Affiliate Link Disclosure Notice

We have partnered with a 3rd party credit monitoring service to provide you with the most up to date access to your 3 bureau credit reports and credit scores that are needed in order to stay up to date with your credit reports and scores as we work with you and consult you with the intention of helping you get you to your goals.  It is with that said, that the link that we have provided to you is an affiliate link, and we do receive a small fee for your participation in the program. Further – we retain the right for the best interest of our clients to change our preferred partner in credit monitoring at any time.