Terms of Service

Effective Date: May 1, 2026 | Last Updated: July 1, 2026

Welcome to TCFA LLC (“Company,” “we,” “us,” or “our”). These Terms of Service (“Agreement”) govern your access to and use of our financial consulting services, including wealth building strategies, debt management assistance, business planning, retirement preparation, and related financial guidance offerings. By using our services, you agree to comply with these terms.

If you do not agree with these Terms, do not use our services.

TCFA LLC provides personalized financial roadmaps and consulting strategies tailored to your unique financial goals, which may include:

• Financial Planning & Guidance: Reviewing your current financial state and identifying clear, long-term wealth strategies.
• Debt Management & Credit Solutions: Designing practical milestones and actionable plans for reducing debt, understanding credit improvement, and regaining financial control.
• Investment & Wealth Building: Advising on smart wealth-building strategies, asset diversification models, and long-term asset protection.
• Business & Retirement Planning: Offering dedicated corporate strategies to maximize growth for entrepreneurs alongside secure retirement planning.

To use our services, you must:

• Be at least 18 years old (or the legal age of majority in your state).
• Provide accurate, current, and truthful information when onboarding or filling out intake forms.
• Comply with all applicable local, state, and U.S. federal laws and regulations.

• Service Fees: Fees vary based on the specific consulting tier, custom plan, or retainer structure selected.
• Payment Processing: All payments must be made via our secure online transaction methods (credit/debit cards, ACH, etc.).
• Refund Policy: Fees for consulting packages, custom assessments, or ongoing advisory retainers are governed by your individual signed service agreement and are generally non-refundable once service delivery or analysis has commenced.

As a professional consulting firm, TCFA LLC maintains strict clarity in its expectations:

• We do not guarantee specific investment returns, market outcomes, or explicit credit score points.
• All planning materials, guides, and suggestions are educational and advisory tools intended to assist you in making your own informed financial decisions.
• We will not charge upfront fees without a clearly outlined, written service contract detailing the scope of work.

Users and clients must not:

• Provide fraudulent, false, or misleading financial information during assessments.
• Engage in or attempt to use our consulting strategies for illegal activities, including tax evasion or fraud.
• Use our proprietary resources, worksheets, or consulting materials for unauthorized resale or public distribution.
• Attempt to hack, breach, interfere with, or disrupt our secure digital consulting platforms.

We collect and process your personal and financial data securely in accordance with our Privacy Policy. Key protections include:

• SSL encryption for all secure digital transmissions.
• Restricted access to your secure personal financial folders and records.
• Strict compliance parameters ensuring no unauthorized data sharing.

All proprietary materials, including planning worksheets, training materials, custom financial templates, and layout graphics, are protected under copyright laws. You are granted a limited license to use these materials for your personal or internal business growth but may not reproduce, distribute, or modify them for external commercial use without prior authorization.

TCFA LLC, its members, and its staff are not responsible for:

• Unpredictable fluctuations or volatility in macroeconomic markets affecting investments.
• Independent business or personal financial decisions made outside the direct parameters of our advisory scope.
• Actions taken by third-party entities, such as banks, credit bureaus, lenders, or federal regulatory decisions.

Any disputes arising from these Terms or our services will be resolved through:

• Good-faith mediation, or binding arbitration in accordance with U.S. arbitration laws.
• Legal proceedings governed strictly by the laws of the State of Florida.

By interacting with our platform, you agree to receive informational messages, appointment updates, secure account notifications, and reminders from TCFA LLC. Message frequency varies based on your consultation pipeline. Message and data rates may apply. For help, reply HELP or email us at info@tcfallc.com. You can opt out at any time by replying STOP.

We reserve the right to update these Terms at any time. Continued use of our website or consulting services following updates constitutes explicit acceptance of the revised terms.

For questions or concerns regarding these Terms, contact us at:

• Email: info@tcfallc.com
• Phone: +1 (800) 587-5152
• Address: 200 MLK JR BLVD, Belle Glade, FL 33430