Terms of Service,
Privacy Policy,
and Consumer Credit Rights
TERMS OF SERVICE AND CONDITIONS
Curiel Financial Services LLC
Last Updated: 02/02/2026
These Terms and Conditions govern the use of this website and the services provided by Curiel Financial Services LLC(“Company,” “CFS,” “we,” “our”). By accessing this website or engaging our services, you agree to these Terms in full.
1. Nature of Services
Curiel Financial Services LLC provides educational and support services related to personal credit education and support services, business formation and structure, and business credit education. Services do not constitute legal, tax, financial, or personalized credit advice.
2. Legal Compliance
All services are provided in compliance with the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and applicable federal and state laws.
3. No Guarantee of Results
No specific results, credit score increases, approvals, financing, or timelines are guaranteed. Results vary based on individual circumstances, third-party responses, and client cooperation.
4. No Advance Payment
Curiel Financial Services LLC does not charge for credit restoration services until such services have been fully performed, in accordance with CROA.
5. Educational Purpose
All information, guidance, tools, and materials provided are for educational and support purposes only. Clients are responsible for decisions made based on the information provided.
6. Excluded Services
Curiel Financial Services LLC does not provide:
• Legal representation or legal advice
• Debt settlement or debt consolidation
• Tax advice
• Lending, financing, or access to capital
• Guarantees of approval or outcomes
7. Client Responsibilities
Clients agree to:
• Provide accurate and truthful information
• Submit requested credit reports and documentation
• Refrain from submitting independent disputes without notice
• Comply with the service process and requirements
8. Service Cancellation
Clients may cancel services at any time by providing written notice, in accordance with the terms of the signed service agreement.
9. Right to Cancel
Under federal law, clients have the right to cancel the service agreement within three (3) business days of signing, without penalty.
10. Intellectual Property
All website content, including text, graphics, logos, and educational materials, is the property of Curiel Financial Services LLC and may not be reproduced without written authorization.
11. Website Use
This website must be used for lawful purposes only. Any unauthorized, fraudulent, or improper use is strictly prohibited.
12. Limitation of Liability
Curiel Financial Services LLC is not responsible for actions or decisions made by credit bureaus, creditors, lenders, or other third parties.
13. Indemnification
Clients agree to indemnify and hold harmless Curiel Financial Services LLC from any claims arising from misuse of services or violation of these Terms.
14. Privacy & Data Protection
Client information is handled in accordance with our Privacy Policy and applicable data protection laws.
15. Communications
Clients consent to receive communications from Curiel Financial Services LLC via electronic, phone, or written methods related to services.
16. Modifications
Curiel Financial Services LLC reserves the right to update or modify these Terms and Conditions at any time. Changes become effective upon posting on this website.
17. Termination
Curiel Financial Services LLC may suspend or terminate services for violations of these Terms or the signed service agreement.
18. Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.
19. Governing Law
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of Florida, United States.
20. Contact Information
For questions regarding these Terms and Conditions, please contact:
Curiel Financial Services LLC
📍 7228 Clarcona Ocoee Road, Suite 663
Clarcona, FL 32710
📧 info@curielfinancialservices.com
📞 (407) 779-1188
Curiel Financial Services LLC
Last Updated: 02/02/2026
Curiel Financial Services LLC (“Company,” “CFS”) is committed to protecting your privacy and handling personal information responsibly, in compliance with the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and applicable laws.
1. Information We Collect
We may collect personal information you voluntarily provide, including:
Full name
Email address
Phone number
Mailing address
Information submitted through forms
Credit-related information for educational and support purposes only
We do not collect information without your consent.
2. Use of Information
Information collected is used solely to:
Provide educational and support services
Respond to inquiries
Deliver educational materials
Comply with legal and regulatory obligations
No results are guaranteed.
3. Credit Information & Compliance
Any credit-related information is handled in compliance with CROA and FCRA.
Curiel Financial Services LLC does not alter credit data, misrepresent information, or guarantee results.
4. Information Sharing
We do not sell or trade personal information. Information may be shared only:
With service providers supporting educational services
When required by law
With explicit client consent
5. Data Security
We implement reasonable safeguards to protect personal information. No system is 100% secure.
6. Cookies
This website may use cookies for functionality and internal analytics. Cookies do not collect sensitive or credit information.
7. Communications Consent
By submitting your information, you consent to receive communications via email, phone, or text related to services.
8. Access and Corrections
You may request access, correction, or deletion of your information by contacting us in writing.
9. Data Retention
Information is retained only as long as necessary for educational purposes and legal compliance.
10. Children’s Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect information from minors.
11. Changes to This Policy
This Privacy Policy may be updated at any time. Changes become effective upon posting.
12. Contact
Curiel Financial Services LLC
📧 info@curielfinancialservices.com
📞 (407) 779-1188
PRIVACY POLICY
CONSUMER CREDIT FILE RIGHTS
Curiel Financial Services LLC
Last Update: 02/02/2026
Pursuant to the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA), you have the following rights regarding your credit file and credit information:
1. Right to Accurate Information
You have the right to have accurate, complete, and verifiable information reported in your credit file.
Accurate, current, and verifiable information cannot legally be removed from your credit report.
2. Right to Dispute Inaccurate Information
If you believe that information in your credit report is inaccurate, incomplete, outdated, or unverifiable, you have the right to dispute such information directly with the credit reporting agencies.
Credit reporting agencies are required by law to:
Investigate disputed items
Verify the information with the reporting source
Correct or delete information that cannot be verified
3. Right to a Timely Investigation
Credit reporting agencies must generally complete investigations of disputed information within a reasonable time frame as required by federal law.
4. Right to Know What Is in Your Credit File
You have the right to obtain a copy of your credit report and to know:
What information is contained in your credit file
Who has requested your credit report
How your credit information is used
5. Right to Correct or Delete Information
If an investigation determines that information is inaccurate or unverifiable, you have the right to have such information corrected or deleted from your credit file.
6. Prohibited Practices by Credit Repair Organizations
Federal law prohibits credit repair organizations from:
Making false or misleading statements
Guaranteeing specific results or credit score increases
Charging fees before services have been fully performed
Advising consumers to provide false or misleading information
7. Right to Cancel a Contract
If you enter into a contract with a credit repair organization, you have the right to cancel the contract within three (3) business days of signing, without penalty or obligation.
8. Consumer Responsibilities
You are responsible for:
Providing truthful and accurate information
Reviewing your credit reports
Making informed financial decisions
9. Important Information
No organization can:
Remove accurate and verifiable information
Guarantee results or outcomes
Promise approvals, financing, or specific timelines
10. Additional Resources
For more information about your credit rights, you may consult official federal government resources or contact the credit reporting agencies directly.
Important Notice
No results are guaranteed. Services are provided for educational and support purposes only, in compliance with the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA).
© 2026 Curiel Financial Services LLC. All rights reserved.
Curiel Financial Services LLC
Educational and support services related to personal credit, business structure, and business credit.
📍 7228 Clarcona Ocoee Road, Suite 663
Clarcona, FL 32710
📞 (407) 779-1188
📧 info@curielfinancialservices.com