Luxe Solutions Consulting
Last Updated: 11/20/2025
1. Introduction
Luxe Solutions Consulting (“Company,” “we,” “us,” or “our”) provides financial education, consumer report review, and document-preparation assistance. By accessing our website, purchasing any service, or communicating with us, you agree to the Terms & Conditions below.
Our services follow all requirements of the Credit Repair Organizations Act (CROA) and all applicable federal and state laws. We do not provide legal advice, financial advice, or guarantee any specific outcome regarding your consumer reports.
2. No Guarantees or Promises
Under CROA, we cannot and do not guarantee:
An increase in any score
Removal of accurate, verifiable information
Approval for loans, housing, credit cards, or financing
Any specific change within a specific timeframe
All results vary based on your personal history, the actions of creditors, and the responses of consumer reporting agencies.
3. Description of Services
We offer:
Consumer report analysis
Financial education
Assistance preparing documentation for dispute purposes
Guidance on understanding consumer protection laws
Support in communicating with reporting agencies and creditors
You are responsible for maintaining your accounts, making payments, and following any recommended action steps.
4. Your Rights Under CROA
As required by law:
You may cancel your service at any time within THREE (3) business days of signing your agreement.
You do not have to purchase any services to review or dispute items in your consumer reports.
You may dispute inaccurate information yourself at no cost by contacting reporting agencies directly.
You are entitled to a written contract detailing all services before any payment is made.
5. Payment & Billing
By enrolling, you authorize the Company to charge the payment method provided for:
Enrollment fee (if applicable)
Monthly service fee
Any optional add-on services
Monthly fees are billed in arrears for the previous month’s services. You may cancel at any time by submitting a written request.
6. Cancellation Policy
You may cancel services at any time by emailing:
[email protected]
or submitting a cancellation request through your client portal.
There are no refunds for services already performed.
7. Client Responsibilities
By using our services, you agree to:
Provide accurate and truthful information
Maintain active monitoring of your consumer reports
Follow recommended action steps
Update us if your personal information changes
Avoid submitting fraudulent or misleading disputes
Fraudulent activity may result in immediate termination of services.
8. No Legal or Financial Advice
We are not attorneys, financial advisors, CPAs, or tax professionals.
All information is for educational purposes only and should not be considered legal or financial advice.
For legal questions, consult a licensed attorney.
9. Communication Consent
By providing your email or phone number, you authorize us to contact you via:
Phone calls
Text messages
Automated messaging systems
You may opt out at any time.
10. Limitation of Liability
To the fullest extent permitted by law, Luxe Solutions Consulting is not liable for:
Actions taken by reporting agencies or creditors
Delays in agency responses
Failure to follow recommended steps
Denials for loans, housing, employment, or credit products
Loss of income or financial decisions made by the client
All services are provided “as-is” without warranties.
11. Privacy & Data Security
We maintain reasonable measures to protect your personal information.
We do not sell or share your information with unauthorized third parties.
Your data is stored securely and used only for service-related purposes.
12. Governing Law
These Terms & Conditions are governed by the laws of your state of residence.
13. Updates to These Terms
We may update these terms periodically. Continued use of our services confirms acceptance of any updates.