Terms of service

Effective Date: 7/23/2025


Welcome to ASB Financial Solutions. These Terms of Service (“Terms”) govern your access to and use of our website and credit repair services. By purchasing a service, enrolling in a program, or using our site, you agree to be bound by these Terms and our Privacy Policy. Please read them carefully.





1. Eligibility



By using our site and services, you confirm that:


  • You are at least 18 years old and legally able to enter into a binding contract.
  • You are requesting services on your own behalf or as a legally authorized agent for another individual.






2. Credit Repair Services



ASB Financial Solutions offers credit consulting and repair services which may include:


  • Reviewing credit reports from the major credit bureaus (Experian, TransUnion, Equifax)
  • Disputing inaccurate or unverifiable information
  • Providing credit education and personalized action plans



We do not guarantee specific outcomes or deletions, as credit repair results depend on multiple factors including your personal credit history, responsiveness of credit bureaus and creditors, and your participation in the process.





3. Payment Terms



All services must be paid in full at the time of purchase unless otherwise specified in a written agreement.


We accept payment via Shopify’s secure checkout system. By submitting payment, you authorize us to begin the dispute process and provide credit repair services as described.


You agree not to file chargebacks or payment disputes without first contacting us to resolve any issues.





4. Refund Policy



Refunds are available within 3 business days of purchase. If any disputes have been initiated on your behalf during that time, you will only be eligible for a partial refund.


After 3 business days, all sales are final and non-refundable.


Please review our full Return & Refund Policy for additional details.





5. No Guarantee of Results



Credit repair is not an overnight solution. While we are committed to helping improve your credit profile, we do not and cannot guarantee:


  • A specific score increase
  • Approval for any loan or financial product
  • Permanent deletion of any account or record



Any testimonials or success stories shared on our site are individual results and not promises.





6. Client Responsibilities



To receive the full benefit of our services, you agree to:


  • Provide accurate and complete personal and financial information
  • Submit necessary documentation in a timely manner
  • Refrain from any fraudulent activity during the service process



Failure to cooperate or communicate may limit our ability to assist you.





7. Intellectual Property



All content, tools, materials, and resources provided by ASB Financial Solutions are protected by intellectual property laws. You may not copy, share, or distribute our content without written consent.





8. Prohibited Use



You may not use our services or site:


  • For illegal or fraudulent purposes
  • To impersonate another person or submit false documentation
  • To interfere with or disrupt our services or platform






9. Limitation of Liability



ASB Financial Solutions is not liable for:


  • Delays caused by third-party credit bureaus, creditors, or mail services
  • Negative results due to client inaction or misinformation
  • Any incidental or consequential damages



Our total liability, under any circumstance, is limited to the amount you paid for the service in question.





10. Changes to Terms



We may update these Terms at any time. Any changes will be posted on this page with a new effective date. Your continued use of our services means you accept the revised Terms.





11. Contact Information



For questions or concerns, please contact:


📧 Email: asbfinancialsolutions@gmail.com