Terms of Use
Effective Date: July 1, 2025
Terms & Conditions
Welcome to LaRoyalSolutions.com! We provide services to assist you with restoring your personal credit and/or building
business credit to obtain funding. The following is a list of terms and conditions that you agree to in order to use our services.
By working with LaRoyal Solutions, you agree to these Conditions of Use. Please read them carefully.
When you use a LaRoyal Solutions Service, you are subject to these Conditions of Use and you also will be subject to the guidelines,
terms, and agreements applicable to that LaRoyal Solutions Service (“Service Terms”). If these Conditions of Use are inconsistent with the Service Terms, those Service Terms will control.
Electronic Communications
When you use LaRoyal Solutions Services, or send e-mails, text messages, and other communications from your desktop or mobile device to us, you may be communicating with us electronically. You consent to receive communications from us electronically, such as e-mails, texts, or notices and messages on this site or through the other LaRoyal Solutions Services, and you can retain copies of these
communications for your records. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
STANDARD SERVICE TERMS
1. Scope of Services
LaRoyal Solutions LLC provides professional consulting services in areas including, but not limited to, personal credit and business credit/funding. LaRoyal Solutions LLC does not provide financial, tax, or legal advice. All services, communications, and materials are for educational and informational purposes only and should not be interpreted as financial advice. Clients are encouraged to consult with a licensed financial advisor or other qualified professional before making any financial decisions.
2. Client Responsibilities
Clients agree to provide all necessary information, documentation, and cooperation required to deliver services effectively. Failure to do so may delay or hinder results, for which LaRoyal Solutions LLC is not responsible.
3. Fees and Payment Terms
Fees will be communicated in advance and are due according to the agreed payment schedule. Payments are non-refundable unless otherwise stated. Services will not be rendered until payment has been received as agreed.
4. Confidentiality
Both parties agree to maintain the confidentiality of all proprietary and sensitive information exchanged during the engagement, unless disclosure is required by law.
5. No Guarantees
LaRoyal Solutions LLC makes no guarantees regarding specific results or outcomes. Consulting involves professional guidance and recommendations; results depend on client implementation and external factors beyond our control.
6. Limitation of Liability
LaRoyal Solutions LLC shall not be held liable for any indirect, incidental, special, or consequential damages arising from the use of our services. Total liability is limited to the amount paid by the client for the specific service. LaRoyal Solutions LLC is not responsible for any interactions, agreements, or outcomes between the client and any third-party entities, whether or not those entities were referred or mentioned by LaRoyal Solutions.
7. Termination
Termination policies vary depending on the specific service and will be clearly communicated to the client prior to payment. Clients are responsible for reviewing and understanding the applicable termination terms before engaging in services. To terminate services or cancel any agreement, you may send an email notice to [email protected].
8. Intellectual Property
All materials, tools, and content provided by LaRoyal Solutions LLC remain the intellectual property of the company. Clients may not reproduce, resell, or distribute them without prior written consent.
9. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida.
10. Amendments
LaRoyal Solutions LLC reserves the right to modify these Terms and Conditions at any time. Clients will be notified of significant changes, and continued use of services constitutes acceptance of any updates.
CREDIT CONSULTING SERVICE AGREEMENT
The following pages contain:
1. Credit Consulting Service Agreement
2. Authorization for Credit Repair Services
3. Consumer Credit File Rights (CROA Statement)
4. Right of Cancellation Notice
Credit Consulting Service Agreement
I [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME], hereby enter into the following agreement with LaRoyal Solutions where LaRoyal Solutions hereby agrees to:
(a) Evaluate the Customer's credit reports from relevant credit reporting agencies to determine any inaccurate, erroneous, false, or obsolete information. We will then advise the Customer of the necessary steps to be taken jointly with Our Company to dispute such information.
(b) Create all essential correspondence to challenge any inaccurate, erroneous, false, or obsolete information in the customer's credit reports.
(c) Review and examine the credit profile status from credit reporting agencies including Experian, Equifax, and TransUnion. Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or any other form of communication during normal business hours.
In exchange, I, [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME], agree to pay LaRoyal Solutions a consulting and processing fee to be billed at the initiation of services. Applicable fees are as follows.
For Individuals: $649
For Couples: $999
Authorization for Credit Consulting & Processing Action
1. I, [CLIENT_FIRST_NAME] [CLIENT_LAST_NAME], henceforth referred to as "client," authorize LaRoyal Solutions to act on my behalf in matters related to improving my credit. This includes making, receiving, signing, endorsing, executing, acknowledging, delivering, and possessing any applications, correspondence, contracts, or agreements required to improve my credit. Such written instruments shall be limited to the three credit reporting agencies, namely TransUnion, Experian, Equifax, as well as any other reporting agencies or creditors listed, as deemed necessary or appropriate in exercising the rights and powers granted herein.
2. The undersigned may revoke this authorization at any time by providing written notice to the authorized party. Any actions taken in reliance upon this authorization prior to revocation shall not be considered a violation of the client's rights. If not revoked earlier, this authorization will automatically terminate 12 months from the date of signature.
3. The individual or entity designated above to receive the information is prohibited from making any additional release or disclosure of the information. This authorization solely permits the release or disclosure of information as outlined herein and does not authorize any other information to be released or disclosed.
4. I authorize LaRoyal Solutions to act on my behalf and undertake any actions necessary to repair my credit with the three credit reporting agencies: TransUnion, Experian, Equifax, as well as any other reporting agencies or creditors listed. LaRoyal Solutions is authorized to perform any acts and take any steps deemed necessary or appropriate to repair my credit as if I were present and acting in person.
5. By signing this agreement, I release LaRoyal Solutions from any and all actions, causes of action, suits, proceedings, debts, dues, contracts, judgments, damages, claims, and demands, whether in law or equity, arising from any matter, cause, or circumstance related to this contract.
(A) This Credit Consulting and Processing Service Agreement between LaRoyal Solutions and the undersigned “Client” is to purchase credit consulting services (The “Services”). The Services will include the preparation of correspondence to the Credit Bureaus requesting the removal of errors, misrepresentations, and unverifiable information, which the Client states appear on their credit reports, which the Client has furnished LaRoyal Solutions. This is not a Debt Consolidation or Bill Payment Program. Federal Law requires that any unverifiable, outdated or erroneous information must be removed from consumer credit reports by Reporting Agencies. LaRoyal Solutions agrees to use its best efforts to provide the Services and will perform them in accordance with Federal and State Laws.
(B) LaRoyal Solutions will perform an audit of the Client’s credit reports and develop an action plan to educate the client and assist in the process of disputing inaccurate, incomplete, unverifiable, and obsolete items under current Federal and State laws during this agreement. A Consulting and processing fee will be billed at the initiation of all services. Applicable fees are as follows.
For Individuals: $649
For Couples: $999
All correspondence associated with the credit improvement process, the review for changes requested by the Client to the Client’s credit reports because of contacts made on the Client’s behalf with each applicable Credit Bureau, Creditor, or Public Record Holder, phone consultations with the Client and the continuing planning and creation of documents for the purpose of credit restoration.
(C) CREDIT MONITORING REQUIREMENT & TERMINATION POLICY
Client understands and agrees that active credit monitoring is mandatory for the duration of services provided by LaRoyal Solutions. Credit monitoring allows for accurate analysis, legal enforcement, and timely dispute updates essential to the credit repair process.
If the Client's credit monitoring account is canceled, suspended, or remains unpaid for more than ten (10) consecutive days, this shall be considered a material breach of this Agreement. As a result, all services will be permanently terminated without notice and without refund. No credits, prorated fees, or future services will be provided under any circumstances following such termination.
By signing this agreement, Client acknowledges that failure to maintain active credit monitoring directly prevents LaRoyal Solutions from performing its obligations and justifies immediate service cancellation with no reimbursement.
(D) UNAUTHORIZED CREDIT APPLICATIONS & TERMINATION WITHOUT REFUND
Client agrees not to apply for any new credit—including credit cards, auto loans, mortgages, or any other form of financing—during the credit repair process, unless expressly recommended in writing by LaRoyal Solutions.
Applying for credit without authorization may interfere with dispute investigations, trigger additional inquiries, or result in denials that can negatively impact the Client’s credit profile.
If the Client applies for any form of credit without prior written consent, LaRoyal Solutions reserves the right to immediately terminate all services without refund. This includes forfeiture of any remaining service term, credits, or future assistance.
Client understands that any resulting damage to their credit file from unauthorized applications is solely their responsibility, and LaRoyal Solutions shall not be held liable for adverse outcomes caused by such actions.
(E) CLIENT RESPONSIBILITIES & NONCOMPLIANCE TERMINATION POLICY
Client agrees to uphold the following responsibilities for the duration of this Agreement:
Payment Conduct: Client shall not miss or be late on any personal or business financial obligations, and shall refrain from making unnecessary major purchases or increasing balances on existing credit cards unless absolutely necessary.
Document Submission: Client must submit, via email, all credit reports, score updates, and any correspondence received from credit bureaus or creditors within five (5) days of receipt. Timely communication is critical for legal enforcement and program results.
Failure to Receive Reports: If the Client does not receive any credit reports or bureau correspondence within sixty (60) days of program start, the Client is required to notify LaRoyal Solutions immediately so corrective steps can be taken.
Failure to comply with any of the responsibilities above shall constitute a material breach of this Agreement and may result in immediate termination of services without refund. No portion of unused services will be credited, and LaRoyal Solutions shall bear no responsibility for any delays or diminished results caused by the Client’s noncompliance.
Client agrees not to apply for any new credit—including credit cards, auto loans, mortgages, or any other form of financing—during the credit repair process, unless expressly recommended in writing by LaRoyal Solutions.
(F) By executing this Contract to obtain LaRoyal Solutions Services, Client grants LaRoyal Solutions during the term of this Contract, a limited power of attorney, by and through its authorized representatives, to: (1) Use the Customer Information that the Client provides in order to obtain from credit bureaus, creditors, collection agencies and other holders of records of Client's credit reports, Client's credit history or other creditor information for the Services; (2) Sign correspondence to the record holders; (3) Use Client's name to sign correspondence addressed to creditors; (4) Obtain credit information over the telephone, fax, and or through the internet from record-holders; (5) To discuss information with any record-holders to help resolve a debt if mediation of a debt is necessary.
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for up to 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violated the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of the information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge a fee for this service. You should give the credit bureau any pertinent information and copies of all documents concerning an error.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580.
Notice of Right to Cancel
You may cancel this contract without penalty or obligation until midnight on the 3rd day following the date you signed the contract.
All Rights Reserved LAROYAL SOLUTIONS, LLC
