Terms & conditions

1. Acceptance

These terms govern use of our website and consultation-request features. Please review these terms and our Privacy Policy. Website use does not create a paid service agreement.

2. Consultation workflow

Submitting an inquiry does not create a debt settlement services contract. Formal service obligations begin only after a separate written agreement is signed.

3. Accuracy and verification

You agree that submitted information is true, current, and complete. Submitting an inquiry does not authorize account access. Verification with institutions or other parties requires separate appropriate authorization.

4. Inquiry communications

We may respond using the contact details you provide. A phone number is optional. This form does not request consent to automated marketing calls or text messages. Call (863) 733-5396 or email nereidafinancialcollective@gmail.com to stop inquiry communications.

5. No legal or tax advice

Site information is educational and is not legal, tax, or accounting advice.

6. Intellectual property

Site content is owned by Nereida & Wynn Financial Collective or its licensors and protected by applicable law.

7. Prohibited uses

Do not submit fraudulent information, scrape without permission, interfere with security, or use the site unlawfully.

8. Warranty disclaimer

The site is provided “as is” and “as available,” without warranties to the fullest extent permitted by law.

9. Limitation of liability

Any limitation of liability applies only to the extent permitted by law. Nothing in these terms waives statutory consumer remedies, liability that cannot lawfully be limited, or rights to seek a refund or dispute a charge.

10. Governing law

These website terms are governed by Florida law and applicable federal law, subject to any mandatory consumer protections that apply where you live. Nothing in these terms limits rights that cannot be waived under applicable law.

11. Changes and severability

We may update these terms by posting a revision. If any provision is unenforceable, the remainder continues.

12. Contact