Terms of Service

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Last Updated: January 2026

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These Terms of Service ("Terms") govern your access to and use of the website and services provided by Everpoint Financial ("Company," "we," "us," or "our"). By accessing our website, submitting information through our forms, or engaging our services, you agree to be bound by these Terms.

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1. Scope of Services

Everpoint Financial provides professional consulting in:

  • Personal and Business Funding Assistance: Guidance and preparation for accessing financial products and capital.

  • Credit Analysis and Repair: Credit Repair Organization (CRO) services designed to assist clients in identifying and disputing inaccurate information on credit reports.

  • Financial Consulting: General advisory on credit health and financial positioning.

2. Funding Consulting Disclaimer

Everpoint Financial acts strictly as a consultant.

  • Not a Lender: We are not a bank, lender, or mortgage broker. We do not make credit decisions.

  • No Guarantees: We do not guarantee that any lender will approve a loan, credit line, or specific amount of funding. All approvals, interest rates, and terms are determined solely by third-party financial institutions based on their own criteria.

3. Credit Repair Organizations Act (CROA) Disclosure

In compliance with Federal Law (CROA), we hereby notify you:

  • You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly.

  • Neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from a credit report.

  • You have the right to cancel your contract with us for any reason within three (3) business days from the date of signing.

4. User Obligations

By using our services, you agree to:

  • Provide truthful, accurate, and complete information and documentation.

  • Maintain the confidentiality of any account credentials.

  • Grant Everpoint Financial and its authorized service providers (including processing platforms like StarPoint and Credit Repair Cloud) the necessary authorization to act on your behalf regarding the services requested.

5. SMS and Telecommunications Policy (TCPA Compliance)

By providing your phone number and opting in:

  • Consent: You grant express written consent to receive recurring transactional and promotional messages (SMS/MMS) from Everpoint Financial and its authorized service providers.

  • Terms: Message frequency varies (approx. 1–2 per week). Message and data rates may apply.

  • Opt-Out: Reply "STOP" to unsubscribe at any time. Reply "HELP" for assistance.

6. Fees and Payment Policy

In accordance with the Credit Repair Organizations Act:

  • Everpoint Financial does not charge or receive payment for credit repair services before such services have been fully performed.

  • Any initial "Setup" or "Analysis" fees are strictly for the comprehensive audit and review of credit reports already performed and delivered to the client.

7. Limitation of Liability

To the maximum extent permitted by law, Everpoint Financial and its partners shall not be liable for any indirect, incidental, or consequential damages resulting from the use of our services, any delays in the credit dispute process, or the denial of funding by third-party lenders.

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8. Third-Party Links and Tools

Our website and CRM may contain links to or integrations with third-party tools (e.g., Credit Hero Score). Everpoint Financial is not responsible for the privacy practices, terms, or performance of these external entities.

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9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State where Everpoint Financial is legally registered.

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10. Contact Information

If you have any questions regarding these Terms, please contact us:

Everpoint Financial

Phone: 1 (954) 352-1111

Email: [email protected]