3. Scope, Fees, and Client Responsibilities
TSavvy will provide only the services described above or in an attached written scope. Client agrees to provide truthful, complete, and timely information; review deliverables for accuracy; and use all information lawfully. Any additional service requires client approval. Payment timing and refund rights are subject to applicable law; no term requires an unlawful advance payment.
4. No Guarantee; Third-Party Decisions
TSavvy does not guarantee a credit score, financing amount, lender approval, vendor approval, business funding, interest rate, deletion of accurate credit information, or any other specific outcome. Banks, lenders, credit bureaus, vendors, government agencies, and other third parties make independent decisions.
5. Prohibited Requests
Client may not request false statements, fabricated documents, identity misrepresentation, synthetic identities, misuse of an SSN or EIN, or use of a CPN as a substitute for an SSN. TSavvy may refuse or terminate any request it reasonably believes is deceptive, unlawful, or outside the agreed scope.
6. Privacy and Communication
TSavvy will use reasonable measures to protect client information and use it for service delivery, recordkeeping, compliance, and other authorized or lawful purposes. Client authorizes ordinary service communications using the contact information supplied. Separate consent may be required for marketing messages.
7. Cancellation, Refunds, and Termination
Client retains every cancellation, refund, and consumer right provided by applicable law. If a mandatory cooling-off period or cancellation notice applies, that law controls over conflicting language here. After any mandatory period, refunds are governed by the written service scope, work lawfully performed, and applicable law. Either party may terminate future services in writing, subject to non-waivable rights.
8. Professional-Services Disclaimer
Unless separately licensed and expressly engaged, TSavvy is not acting as the client's attorney, CPA, investment adviser, lender, or government representative. Services are educational, administrative, or business-consulting services. Client should obtain appropriately licensed advice for legal, tax, investment, or regulated matters.
9. Governing Law; Entire Agreement
This agreement is governed by applicable federal law and the laws of Georgia. If a provision is unenforceable, the remaining lawful provisions remain in effect. This agreement, the selected service scope, and any required disclosures constitute the parties' agreement. No provision waives a non-waivable consumer right.
