Absolutely. I’ve tailored this for RS Financial and kept the language appropriate for a credit-services website. Because this is a regulated area, I recommend having a consumer-law attorney review it before publishing.

TERMS & CONDITIONS

Effective Date: September 8, 2026
Last Updated: September 8, 2026

Welcome to RS Financial (“RS Financial,” “Company,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website, www.rsfinancial.org (the “Website”), and any services, consultations, educational resources, credit-related services, business-credit services, or other services provided by RS Financial (collectively, the “Services”).

By accessing our Website, submitting your information, scheduling a consultation, enrolling in our Services, or otherwise using our Services, you acknowledge that you have read, understood, and agreed to these Terms.

If you do not agree with these Terms, please do not use our Website or Services.

1. ABOUT RS FINANCIAL

RS Financial provides credit-related education, credit optimization assistance, dispute guidance, business-credit development assistance, funding-readiness education, and related financial education services.

Our Services are designed to help clients better understand their credit profiles, identify information that may warrant review or dispute, develop responsible credit-management strategies, and improve their overall financial and funding readiness.

RS Financial does not control credit reporting agencies, creditors, lenders, banks, data furnishers, or other third parties and therefore cannot guarantee the actions or decisions of those entities.

2. ELIGIBILITY

You must be at least 18 years old and legally capable of entering into a binding agreement to use our Services.

By using our Website or Services, you represent that:

• You are providing accurate and truthful information.

• You have the legal authority to provide the information and documents you submit.

• You will not knowingly provide fraudulent, misleading, or fabricated information.

• You will comply with applicable laws and these Terms.

3. DESCRIPTION OF SERVICES

Depending on the program or package selected, RS Financial may provide services that include:

• Credit profile education and analysis.

• Credit optimization strategies.

• Assistance identifying potentially inaccurate, incomplete, or unverifiable information.

• Guidance regarding credit-report disputes.

• Credit-building education.

• Business-credit development education and assistance.

• Funding-readiness education and preparation.

• Financial education and related consulting.

• General guidance regarding responsible credit management.

The specific Services available to you will depend on the program, package, or service agreement you select.

RS Financial reserves the right to modify, discontinue, or change portions of its Services, subject to applicable law and any separate written agreement between you and RS Financial.

4. NO GUARANTEE OF RESULTS

RS Financial does not guarantee any specific result.

We do not guarantee:

• A specific increase in your credit score.

• Removal of any item from a credit report.

• Deletion of negative information.

• Approval for a credit card, loan, mortgage, business loan, line of credit, or other financial product.

• A particular interest rate or credit limit.

• Business-credit approval.

• Funding approval.

• A particular funding amount.

• A particular time frame for achieving any credit or funding objective.

Credit scores and credit reports are affected by many factors outside our control, including payment history, account balances, utilization, age of accounts, inquiries, creditor reporting practices, consumer reporting agency procedures, and other information.

Past results and testimonials are not guarantees of future results.

Your results will vary based on your individual circumstances, credit history, financial behavior, the accuracy of information provided, and the actions of third parties.

5. ACCURATE INFORMATION

RS Financial does not encourage clients to provide false, misleading, fabricated, or fraudulent information to credit reporting agencies, creditors, lenders, banks, government agencies, or any other organization.

You agree that all information and documentation you provide to RS Financial will be truthful and accurate to the best of your knowledge.

You are responsible for notifying RS Financial if information you previously provided becomes inaccurate or changes.

RS Financial may refuse to submit or assist with any request that we reasonably believe contains fraudulent, misleading, or inaccurate information.

6. CREDIT REPORT DISPUTES

Where applicable, RS Financial may provide education, guidance, or assistance relating to the review and dispute of information appearing on consumer credit reports.

Disputes must be based on legitimate concerns regarding the accuracy, completeness, or verifiability of information.

RS Financial does not guarantee that a credit reporting agency, creditor, data furnisher, or other third party will modify, remove, verify, investigate, or otherwise change disputed information.

You remain responsible for reviewing your credit reports and notifying us of errors or changes that may affect your Services.

7. CREDIT SCORES

Credit scores are calculated by third parties using proprietary models and information contained in consumer credit files.

RS Financial does not create, control, or determine your credit score.

A credit score may change for reasons unrelated to our Services.

Any credit-score examples, estimates, case studies, testimonials, or educational illustrations presented by RS Financial are for informational purposes only and should not be interpreted as a promise of a particular outcome.

8. BUSINESS CREDIT AND FUNDING SERVICES

RS Financial may provide education and assistance relating to business credit, business credit profiles, funding readiness, business structure, vendor accounts, financial preparation, and other business-finance topics.

RS Financial does not guarantee that a business will qualify for financing, credit, vendor accounts, loans, lines of credit, credit cards, or any other financial product.

Approval decisions are made by independent lenders, financial institutions, creditors, vendors, and other third parties according to their own underwriting requirements.

9. THIRD-PARTY PROVIDERS

Some Services may involve third-party companies, consumer reporting agencies, credit-monitoring services, lenders, financial institutions, software providers, or other service providers.

RS Financial does not control the policies, availability, decisions, security, or practices of third parties.

Your use of third-party services may be subject to separate terms, agreements, fees, and privacy policies.

RS Financial is not responsible for decisions, delays, errors, outages, denials, or actions taken by third parties.

10. CLIENT RESPONSIBILITIES

You agree to:

• Provide accurate and complete information.

• Provide requested documentation in a timely manner.

• Review your credit reports and other information provided to you.

• Respond to requests from RS Financial when necessary.

• Notify RS Financial of changes to your contact information.

• Make timely payments on your existing accounts.

• Avoid knowingly submitting false or fraudulent information.

• Follow applicable laws and the terms of any agreements you enter into.

• Review all documents before signing or submitting them.

You understand that your participation and cooperation may affect the ability of RS Financial to provide Services.

11. FEES AND PAYMENT

Fees for RS Financial Services will be disclosed before enrollment or purchase.

By purchasing or enrolling in a Service, you authorize RS Financial or its authorized payment processor to charge the payment method you provide according to the applicable payment arrangement.

You are responsible for providing accurate payment information and maintaining a valid payment method.

If a payment is declined, reversed, returned, or otherwise not received, RS Financial may suspend or terminate Services, subject to applicable law and the terms of your service agreement.

Any separate service agreement or enrollment agreement provided to you will govern specific pricing, billing schedules, and payment terms where applicable.

12. CANCELLATION AND REFUNDS

Cancellation and refund rights are governed by your applicable service agreement and all applicable federal and state laws.

Nothing in these Terms is intended to eliminate or restrict any cancellation, refund, cooling-off period, or other consumer rights that cannot legally be waived.

To request cancellation or inquire about a refund, contact:

RS Financial
Website: www.rsfinancial.org
Email: [INSERT COMPANY EMAIL]
Phone: [INSERT COMPANY PHONE]

Please retain confirmation of any cancellation request.

13. ELECTRONIC COMMUNICATIONS

By providing your email address or telephone number, you agree that RS Financial may contact you regarding your account, Services, appointments, documents, transactions, and other service-related matters, subject to applicable law.

You may receive communications by email, telephone, text message, or other electronic methods where permitted.

You may opt out of marketing communications at any time by following the instructions provided in the applicable communication.

Opting out of marketing communications does not necessarily stop transactional or service-related communications.

14. TEXT MESSAGE CONSENT

If you separately consent to receive text messages from RS Financial, you may receive messages relating to appointments, account information, Services, or promotional communications, depending on the consent provided.

Message and data rates may apply.

You may opt out of text messages by replying STOP, where supported.

Consent to receive marketing text messages is not a condition of purchasing Services.

15. PRIVACY

RS Financial may collect personal information necessary to operate the Website and provide Services.

Information may include contact information, credit-related information, business information, identification information, financial information, and other information voluntarily provided by you.

Our collection, use, storage, and disclosure of personal information are governed by our Privacy Policy.

You should review our Privacy Policy before using our Services.

16. CONFIDENTIALITY AND SECURITY

RS Financial takes reasonable measures designed to protect information provided to us.

However, no website, electronic transmission, database, or storage system can be guaranteed to be completely secure.

You acknowledge that electronic communications and transmission of information involve certain risks.

You agree to provide information through the methods and platforms designated by RS Financial whenever reasonably possible.

17. WEBSITE CONTENT

The content provided on our Website is intended for general informational and educational purposes.

Website content may include articles, educational materials, examples, testimonials, graphics, videos, calculators, and other information.

We make reasonable efforts to provide useful information but do not guarantee that all Website content is complete, current, accurate, or applicable to your individual circumstances.

You should not rely solely on Website content when making significant financial, legal, business, or credit decisions.

18. NO LEGAL, TAX, OR INVESTMENT ADVICE

Unless specifically stated otherwise, RS Financial's Services do not constitute legal, tax, accounting, investment, or individualized financial advice.

If you require legal, tax, accounting, investment, bankruptcy, debt-settlement, or other professional advice, you should consult a qualified professional.

19. TESTIMONIALS AND CASE STUDIES

Testimonials and case studies appearing on the Website may describe the experiences of individual clients.

Individual results vary.

A testimonial or case study should not be interpreted as a guarantee that another client will achieve the same or similar results.

Results may depend on factors including an individual's credit history, financial circumstances, cooperation, existing accounts, creditor practices, reporting practices, and other factors outside RS Financial's control.

20. PROHIBITED USE

You may not use the Website or Services to:

• Violate any applicable law or regulation.

• Submit fraudulent or misleading information.

• Impersonate another person or entity.

• Attempt unauthorized access to our systems.

• Introduce viruses, malware, or other harmful code.

• Interfere with the operation or security of the Website.

• Copy or commercially exploit Website content without permission.

• Use automated systems to scrape or collect Website information without written authorization.

• Engage in conduct that could damage RS Financial or its reputation.

21. INTELLECTUAL PROPERTY

The Website and its contents, including logos, branding, text, graphics, images, videos, designs, educational materials, and other content, are owned by or licensed to RS Financial unless otherwise stated.

You may access and use Website content for your personal, non-commercial purposes.

You may not copy, reproduce, modify, distribute, publish, sell, license, or commercially exploit our content without prior written permission.

22. THIRD-PARTY LINKS

The Website may contain links to third-party websites or services.

These links are provided for convenience and informational purposes.

RS Financial does not control or guarantee the accuracy, availability, security, privacy practices, or content of third-party websites.

Your use of third-party websites is subject to the terms and policies of those websites.

23. DISCLAIMER OF WARRANTIES

To the maximum extent permitted by applicable law, the Website and Services are provided on an “AS IS” and “AS AVAILABLE” basis.

RS Financial does not warrant that:

• The Website will always be available.

• The Website will be error-free.

• The Website will be uninterrupted.

• All information will always be current or accurate.

• Any particular credit or funding result will occur.

• Third parties will respond within a particular time period.

• Credit-report information will be removed or modified.

Nothing in these Terms is intended to waive any rights or protections that cannot legally be waived.

24. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, RS Financial and its owners, officers, employees, contractors, affiliates, agents, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of the Website or Services.

To the extent permitted by applicable law, RS Financial's total liability arising from your use of the Services will be limited to the amount you actually paid to RS Financial for the specific Services giving rise to the claim.

This limitation does not apply to liability that cannot legally be limited or excluded.

25. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify and hold harmless RS Financial, its owners, officers, employees, contractors, affiliates, agents, and service providers from claims, liabilities, damages, losses, costs, and expenses arising from:

• Your violation of these Terms.

• Your misuse of the Website.

• Your violation of applicable law.

• Your submission of false, fraudulent, or misleading information.

• Your violation of the rights of another person or entity.

26. DISPUTE RESOLUTION

Before initiating formal legal proceedings regarding a dispute arising from the Website or Services, the parties are encouraged to attempt to resolve the dispute informally by contacting RS Financial.

Any dispute-resolution, arbitration, venue, or class-action provisions contained in a separate written service agreement between you and RS Financial will govern to the extent applicable.

Nothing in these Terms is intended to waive any consumer rights or remedies that cannot legally be waived.

27. GOVERNING LAW

These Terms will be governed by applicable federal law and the laws of the state in which RS Financial is legally organized or operates, except to the extent that applicable law requires otherwise.

Any applicable consumer-protection laws that cannot legally be waived will remain fully applicable.

28. CHANGES TO THESE TERMS

RS Financial may update these Terms from time to time.

When changes are made, we may update the “Effective Date” and “Last Updated” dates at the top of this page.

Your continued use of the Website following the posting of revised Terms constitutes acceptance of the revised Terms to the extent permitted by applicable law.

29. SEVERABILITY

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be modified or removed to the minimum extent necessary, and the remaining provisions will remain in effect.

30. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any applicable service agreement, enrollment agreement, disclosures, or other written agreements between you and RS Financial, constitute the agreement governing your use of the Website and Services.

If a conflict exists between these Terms and a separate signed service agreement, the applicable service agreement will control to the extent of the conflict.

31. CONTACT RS FINANCIAL

If you have questions regarding these Terms or our Services, please contact us:

RS Financial
Website: www.rsfinancial.org
Email: [INSERT EMAIL ADDRESS]
Phone: [INSERT PHONE NUMBER]
Business Address: [INSERT BUSINESS ADDRESS]

IMPORTANT CREDIT-SERVICES DISCLOSURE

RS Financial does not guarantee that your credit score will increase, that negative or inaccurate information will be removed from your credit reports, or that you will qualify for credit, loans, business funding, or other financial products.

Credit outcomes vary by individual and depend on information maintained by consumer reporting agencies, creditors, lenders, and other third parties.

You should not provide false or misleading information in connection with any credit-report dispute or financial application.

RS Financial encourages consumers to review their credit reports regularly and to make informed financial decisions based on their individual circumstances.

Before you paste this onto the site, replace the four [INSERT ...] fields with RS Financial's actual contact information. Also, I would strongly recommend creating a separate Privacy Policy and a separate Client Service Agreement / Credit Services Agreement rather than relying on website Terms & Conditions alone. The latter is particularly important for a credit-repair business because website terms aren't necessarily a substitute for legally required consumer disclosures or contract provisions.