Terms of Service

Business Name: Spotlight Advisors LLC

Website: creditwithmatty.com

Type of Business: Consulting Services — credit advisory, business funding consulting, and financial education

Contact: [email protected]  |  530-586-1149

These Terms of Service constitute a legally binding agreement between you and Spotlight Advisors LLC, a consulting services company. By accessing our website or using any of our consulting services, you agree to be bound by these terms. If you do not agree, do not use our services.

Table of Contents

1. Acceptance of Terms
2. Services Provided
3. Eligibility
4. No Guarantee of Results
5. SMS Communication Terms
6. Payments & Refunds
7. User Conduct
8. Intellectual Property
9. Disclaimer of Warranties
10. Limitation of Liability
11. Indemnification
12. Termination
13. Governing Law
14. Changes to Terms
15. Contact Us

1 Acceptance of Terms

Spotlight Advisors LLC is a consulting services company operating at creditwithmatty.com. We provide credit advisory, business funding consulting, and financial education services to individuals and businesses.

By visiting our website, scheduling a consultation, purchasing any consulting service, or otherwise engaging with Spotlight Advisors LLC, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

If you are using our consulting services on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.

2 Services Provided

Spotlight Advisors LLC is a consulting services company. We do not provide legal, accounting, or licensed financial advisory services. Our consulting services include, but are not limited to:

• Credit advisory consulting — reviewing credit profiles and providing educational guidance on credit improvement strategies
• Business funding consulting — advising clients on funding options, application strategies, and lender requirements
• Financial education — providing informational content, coaching sessions, and resources to help clients understand credit and funding
• Referrals — connecting clients with third-party lenders, funding programs, or complementary service providers

Spotlight Advisors LLC reserves the right to modify, suspend, or discontinue any consulting service at any time without prior notice.

3 Eligibility

Spotlight Advisors LLC's consulting services are intended for individuals who are 18 years of age or older. By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

We do not knowingly provide consulting services to minors. If we discover that a minor has engaged our services without parental consent, we reserve the right to terminate the engagement immediately.

4 No Guarantee of Results

Credit-related outcomes depend on the accuracy of information in your credit reports, your payment history, and decisions made independently by creditors and credit bureaus.

Past client results shared in testimonials or marketing materials reflect individual experiences, are not typical, and should not be interpreted as a guarantee of similar outcomes.

5 SMS Communication Terms

Carriers are not liable for delayed or undelivered messages.

6 Payments & Refunds

All fees for consulting services provided by Spotlight Advisors LLC are outlined at the time of purchase or in a separate consulting service agreement.

• All sales are final unless otherwise specified in a written consulting service agreement.
• Refund requests must be submitted in writing within 3 days of purchase where no separate agreement exists.
• Refunds are not provided for consulting sessions already completed, services already rendered, or digital products already delivered.
• Chargebacks initiated without first contacting Spotlight Advisors LLC may result in termination of services and potential legal action.

7 User Conduct

By using Spotlight Advisors LLC's consulting services, you agree not to:

• Provide false, misleading, or fraudulent information in any form, application, or consulting session
• Use our consulting services for any unlawful purpose or in violation of any applicable law
• Attempt to circumvent, hack, or disrupt our website or systems
• Harass, threaten, or abuse our staff, contractors, or other clients
• Reproduce, resell, or distribute our proprietary consulting materials without written permission
• Misrepresent your identity or affiliation with any person or entity

8 Intellectual Property

All content produced by Spotlight Advisors LLC — including text, graphics, logos, consulting frameworks, templates, educational materials, scripts, and videos — is the property of Spotlight Advisors LLC and protected by applicable copyright and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our content for personal, non-commercial purposes only. You may not copy, reproduce, distribute, or create derivative works without our express written consent.

9 Disclaimer of Warranties