Terms of Use

Acceptance of These Terms

By using this website, you agree to these Terms of Use. If you do not agree, please do not use the website. SCS may update these terms from time to time, and continued use after an update constitutes acceptance of the revised terms.

Educational Information

Website content is provided for general educational and informational purposes. It is not individualized legal, tax, or investment advice and should not be treated as a substitute for advice from a qualified professional who has reviewed your complete circumstances.

No Client Relationship Through Website Use

Viewing this website, sending an email, or submitting a consultation request does not by itself create a client, advisory, fiduciary, or contractual relationship. Any services accepted by SCS are governed by a separate written agreement.

No Guaranteed Outcome

Examples, estimates, projected payments, potential savings, timelines, and educational comparisons are illustrations only. Actual results depend on individual circumstances and decisions made by independent creditors, lenders, service providers, and other third parties. Results are not guaranteed.

Your Use of the Website

You may use the website for lawful, personal, and noncommercial purposes. You may not attempt to disrupt the site, gain unauthorized access, introduce malicious code, misuse contact forms, scrape content in a manner that burdens the site, or use the content to misrepresent SCS or its services.

Contact-Form Information

You are responsible for providing accurate contact information. Do not submit account numbers, Social Security numbers, passwords, or other sensitive financial information through the website form or ordinary email.

Intellectual Property

Unless otherwise identified, website text, graphics, branding, arrangement, and original materials belong to SCS or are used with permission. No content may be reproduced, distributed, republished, or used commercially without prior written permission, except for limited personal use permitted by law.

Third-Party Links and Services

Links to Google, the Better Business Bureau, creditors, lenders, or other external resources are provided for convenience. SCS does not control and is not responsible for third-party content, availability, security, decisions, or privacy practices. A link does not imply endorsement.

Website Availability

SCS works to keep website information useful and current, but does not warrant that every page will always be available, error-free, or complete. Content and features may be updated, corrected, suspended, or removed without notice.

Limitation of Responsibility

To the fullest extent permitted by applicable law, SCS is not responsible for losses arising solely from reliance on general website information, inability to access the site, or use of a third-party website. Nothing in these terms limits rights or responsibilities that cannot lawfully be limited.

Questions

Questions about these terms may be directed to SCS@specsfinancial.com or 1-855-711-5151.