E&J CREDIT CONSULTING LLC
DBA EPOINT CREDIT LLC
Effective Date: 1/01/2026
Welcome to E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC (“Company,” “we,” “our,” or “us”).
By accessing or using our website, services, or products, you agree to comply with and be bound by the following Terms of Service (“Agreement”). Please read these Terms carefully, particularly the sections regarding Services Provided, Payments and Refunds, and Limitation of Liability.
If you do not agree to these Terms, you must not use our website or services.
Term of Agreement
The term of this Agreement is twelve (12) months beginning on the Effective Date (the “Term”), unless earlier terminated in accordance with this Agreement and applicable laws.
1. Acceptance of Terms
By using this website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service.
These Terms apply to all visitors, users, customers, and clients of E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC.
2. Services Provided & Limitation of Guarantees
E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC provides educational and business consulting services, including but not limited to:
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Financial education resources
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Coaching and strategy sessions
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Guidance on responsible credit utilization
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Information regarding funding opportunities
The scope of services may change or be updated at any time without prior notice.
Crucial Disclaimer
You acknowledge and agree that:
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We are not a Credit Repair Organization as defined under federal or state law.
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We are not a licensed financial advisor, lender, broker, or credit issuer.
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We do not provide legal, tax, or investment advice.
We make no promise, guarantee, or warranty regarding:
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Specific financial outcomes
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Credit score increases
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Loan approvals
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Funding approvals
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Debt resolution results
All services are educational and consultative only. Your results depend entirely on your individual circumstances, financial behavior, and actions.
3. Eligibility
By using this website or purchasing services, you represent and warrant that:
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You are at least 18 years of age, and
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You are legally capable of entering into binding agreements under applicable law.
4. Use of Website
You agree to use this website only for lawful purposes.
You must not:
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Use the website in any way that violates any applicable law or regulation
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Attempt to gain unauthorized access to systems or data
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Interfere with the website’s functionality, performance, or security
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Copy or misuse proprietary materials
5. Payments, Billing & Refund Policy
All payments must be made in accordance with the terms presented at the time of purchase.
You agree to provide accurate, current, and complete billing and account information.
Refund Policy
Due to immediate access to proprietary digital content and the scheduling of consultative time:
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All sales are generally final and non-refundable.
However, refunds may be considered if:
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Services were demonstrably not rendered as described; OR
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A written refund request is submitted within 48 hours of the initial purchase, AND
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No substantial portion of proprietary content (including guides, recordings, coaching sessions, or strategy calls) has been accessed, delivered, or scheduled.
Refunds, if approved:
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Are granted solely at the Company’s discretion
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May be subject to a reasonable administrative fee
6. Intellectual Property
All content on this website, including but not limited to:
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Text
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Graphics
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Logos
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Images
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Videos
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Digital downloads
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Software
is the exclusive property of E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC or its licensors and is protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, modify, or exploit any material without prior written consent.
7. Privacy Policy
Your use of this website is also governed by our Privacy Policy.
By using our services, you consent to the collection, storage, and use of your information as outlined in our Privacy Policy.
8. Limitation of Liability & Financial Responsibility
To the fullest extent permitted by law:
E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC, including its officers, employees, contractors, and affiliates, shall not be liable for any:
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Direct damages
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Indirect damages
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Incidental damages
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Consequential damages
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Financial losses
arising from your use of or inability to use our website or services.
No Financial or Legal Advice
All content and services are provided for educational and informational purposes only and do not constitute:
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Financial advice
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Legal advice
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Tax advice
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Investment advice
You are solely responsible for your financial decisions and outcomes. We strongly recommend consulting qualified licensed professionals before making any financial or credit-related decisions.
9. Indemnification
You agree to indemnify, defend, and hold harmless E&J CREDIT CONSULTING LLC DBA EPOINT CREDIT LLC and its officers, employees, affiliates, and agents from and against any claims, damages, liabilities, losses, costs, or expenses arising from:
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Your use of the website or services
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Your violation of these Terms
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Your violation of any applicable law or third-party rights
10. Governing Law & Jurisdiction
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Orange County, Florida.
11. Modifications to Terms
We reserve the right to update or modify these Terms of Service at any time without prior notice.
Your continued use of the website or services after changes are posted constitutes your acceptance of the revised Terms.
12. Contact Information
If you have questions regarding these Terms of Service, please contact:
E&J CREDIT CONSULTING LLC
DBA EPOINT CREDIT LLC
Email: support@epointcredits.com
Phone: (407) 675-0860
Address: 9594 NW 41ST ST STE 210, Doral, FL 33178