Client Service Contract

CLIENT SERVICE AGREEMENT

Purpose of Services

J Financial Solutions provides financial education, guidance, and support services designed to help clients better understand their financial profile, credit standing, budgeting practices, and financial goals.

The Client understands that J Financial Solutions provides educational and informational services only and does not provide legal, tax, accounting, lending, or financial advisory services.

Client Responsibilities

The Client agrees to:

• Provide accurate and truthful information.
• Submit requested documentation in a timely manner.
• Maintain communication throughout the service period.
• Review all materials and recommendations provided.
• Understand that personal participation is essential to achieving desired outcomes.

No Guarantee of Results

The Client understands and agrees that:

• Results vary from person to person.
• J Financial Solutions cannot guarantee specific outcomes, score increases, approvals, account openings, or financial results.
• Any examples shared are for informational purposes only and should not be interpreted as guaranteed outcomes.

Service Delivery

The Client acknowledges that services may include:

• Financial profile reviews
• Credit education and guidance
• Budgeting support
• Banking profile guidance
• Financial planning support
• Consultations
• Educational resources
• Personalized recommendations

Services are tailored to each client’s circumstances and may vary based on the package selected.

Payment Policy

The Client agrees to pay all fees associated with the selected service package.

Payments must be made in full before services begin unless otherwise agreed in writing.

Failure to make payment may result in delayed or suspended services.

Refund Policy

Due to the time, resources, and personalized nature of services provided, all sales are final.

Refunds will not be issued for:

• Completed consultations
• Services already rendered
• Failure to provide requested documentation
• Failure to participate in the service process

Communication Authorization

The Client authorizes J Financial Solutions to communicate via phone, email, and/or text regarding their services.

Confidentiality

J Financial Solutions agrees to maintain the confidentiality of all client information and will not disclose information to third parties except as required by law or with written authorization from the client.

Limitation of Liability

The Client agrees that J Financial Solutions shall not be liable for:

• Decisions made by creditors, lenders, financial institutions, or reporting agencies.
• Changes to financial standing resulting from client actions or omissions.
• Any indirect, incidental, or consequential damages arising from services provided.

Electronic Signature Agreement

By signing below, the Client acknowledges that:

• They have read and understood this agreement.
• They agree to all terms and conditions.
• They understand that results are not guaranteed.
• They authorize J Financial Solutions to provide services as described.