Terms of Service

Last Updated: August 11th, 2025

Welcome to the APL Consulting Co. website (“Site”). These Terms of Service (“Terms”) govern your use of our Site, products, and services. By accessing or using our Site, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Site.


1. Company Information

APL Consulting Co. (“we,” “our,” “us”) provides credit repair, funding preparation, and financial education services to clients seeking to improve their credit profile and achieve financial goals.


2. Use of Our Services

You must be at least 18 years old to use our services. By using our Site or engaging our services, you represent and warrant that you meet this requirement and that all information you provide is truthful, accurate, and complete.


3. No Guarantee of Results

While we strive to help you improve your credit and achieve your financial objectives, we cannot and do not guarantee specific results. Credit repair outcomes vary depending on individual credit histories, creditor responses, and credit bureau policies.


4. Client Responsibilities

To work with us effectively, you agree to:

  • Provide accurate and complete personal and financial information.
  • Respond promptly to our requests for documents or information.
  • Follow the agreed-upon plan and recommendations.
  • Not use our services for fraudulent or illegal purposes.

5. Payments & Refunds

All fees for our services will be disclosed before work begins. Payments are due as outlined in your service agreement. Refunds, if applicable, will be handled in accordance with the specific terms of your signed client agreement.


6. Intellectual Property

All content, materials, and resources provided on this Site—including text, graphics, logos, and service descriptions—are the property of APL Consulting Co. and protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute our materials without prior written consent.


7. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these websites. You access them at your own risk.


8. Disclaimer of Warranties

Our services and Site are provided “as is” and “as available,” without warranties of any kind, either express or implied. We disclaim all warranties to the fullest extent permitted by law.


9. Limitation of Liability

APL Consulting Co. will not be liable for any damages, losses, or expenses arising from the use of our Site or services, except as required by applicable law.


10. Governing Law

These Terms are governed by the laws of the State of [Your State], without regard to its conflict of law principles.


11. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting to our Site. Continued use of our Site or services after changes means you accept the updated Terms.


12. Contact Us

If you have any questions about these Terms, please contact us:

APL Consulting Co.
Email: cmckay1511@gmail.com
Phone: 410-508-0476

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