Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") govern your use of the websites, services, programs, digital products, communications, and content provided by Pinder Professional Group, operating under the brands PPG / AI Credit Helps / Pinder's Prosperity Group (collectively, "PPG," "we," "us," or "our").

By using our services in any capacity — including visiting our website, completing any form, booking a consultation, purchasing a service, enrolling in a program, joining our community platforms, or opting in to receive SMS or email communications — you confirm that you:

• Are at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Have read and agree to these Terms in their entirety
• Agree to our Privacy Policy, which is incorporated into these Terms by reference

If you are accessing our services on behalf of a business entity, you represent that you have authority to bind that entity to these Terms.

Description of Services

Pinder Professional Group provides financial education, business consulting, and funding guidance services, including but not limited to:

• Financial Education & Coaching: One-on-one and group sessions focused on budgeting, debt management, credit education, and wealth-building principles
• Business Growth Consulting: Strategy, systems, and operational guidance for entrepreneurs and small business owners
• Business Credit Education: Educational content and guidance on building and understanding business credit profiles
• Funding Readiness Guidance: Education on preparing financial profiles and business structures for potential funding opportunities
• Debt Reduction Planning: Guidance and strategy for managing and reducing personal and business debt obligations
• Digital Resources: Free and paid educational guides, workbooks, templates, and online content
• Community Programs: Membership in our Skool community (Prosperity Group) and related programs
• Broker/Partner Opportunities: Information and enrollment in referral partner programs

The specific terms, pricing, deliverables, and scope of each service are described at the point of purchase or enrollment. These Terms apply to all services unless a separate written agreement expressly supersedes them.

Educational Disclaimer — Not Financial, Legal, or Credit Advice

3.1 No Financial Advice

We are a financial education company, not a licensed financial advisor, investment advisor, credit counselor, attorney, or accountant. The information we provide is general in nature and based on publicly available information. Individual financial situations vary significantly. Before making any financial decision — including but not limited to taking on debt, investing, applying for credit, or enrolling in financial products — we strongly encourage you to consult with a licensed professional who can evaluate your specific circumstances.

3.2 No Guarantee of Results

Any testimonials, case studies, client results, or outcome examples we share are illustrative of what some clients have achieved and are not guarantees of future results. Individual results will vary based on a wide range of factors including but not limited to: your financial situation, credit history, income level, existing debt, business model, market conditions, and the effort you invest.

Pinder Professional Group makes no warranty, express or implied, that you will achieve any specific financial outcome, credit improvement, business growth, or funding approval as a result of using our services.

3.3 Credit Education

Our credit-related services are educational in nature. We are not a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. We do not directly dispute items on your behalf, pull your credit reports, or represent you in dealings with credit bureaus or creditors. We provide education about credit systems, dispute processes, and financial profile-building strategies so you can take informed action on your own behalf.

3.4 Business Funding

We provide education and guidance on how business funding works, how to prepare a business for funding, and how lenders evaluate applicants. We do not guarantee funding approval, act as a lender, broker loans on your behalf, or make representations about the availability or terms of any specific funding product. Funding decisions are made exclusively by the lenders and institutions you apply to.

SMS / Text Messaging Terms

By providing your mobile phone number and opting in to receive text messages from Pinder Professional Group, you agree to the following terms governing our SMS communications program.

4.1 Consent to Receive SMS

By checking the SMS opt-in checkbox on any of our forms (which is unchecked by default), you expressly consent to receive recurring automated and non-automated text messages from Pinder Professional Group at the mobile phone number you provide. This consent is not required as a condition of purchasing any product or service.

4.2 Opt-Out

You may opt out of receiving SMS messages at any time by:

• Replying STOP, CANCEL, END, QUIT, UNSUBSCRIBE, or STOP ALL to any message
• Emailing [email protected] with your opt-out request and phone number

After opting out, you will receive one final confirmation message. No further messages will be sent to that number unless you subsequently opt back in. Opting out of SMS does not cancel your enrollment in any paid services.

4.3 Help

For help with our SMS program, reply HELP to any message or contact us at [email protected].

4.4 Message and Data Rates

Standard message and data rates may apply based on your mobile carrier plan. Pinder Professional Group does not charge for SMS messages sent or received.

4.5 Supported Carriers

Our SMS program is supported by all major US wireless carriers. Carrier support is not guaranteed for all carriers. Carriers are not responsible for delayed or undelivered messages.

4.6 Accuracy of Phone Number

You represent that the mobile phone number you provide is your own and that you are authorized to consent to receive SMS messages at that number. You agree to notify us immediately if your phone number changes to avoid messages being sent to someone else at your former number.

4.7 TCPA Compliance

Our SMS program complies with the Telephone Consumer Protection Act (TCPA), CTIA Messaging Principles and Best Practices, and applicable state laws. We maintain records of all SMS consents and opt-outs as required by law.

Accounts and Registration

Some of our services require you to create an account or provide registration information. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your account credentials confidential and not share them with others
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activities that occur under your account

We reserve the right to suspend or terminate accounts that contain false information or that are used in violation of these Terms.

Fees and Payments

6.1 Pricing

Current pricing for our services is listed on our website and booking pages. All prices are in US dollars. We reserve the right to change pricing at any time, with changes effective upon posting to our website. Price changes will not affect services you have already purchased.

6.2 Current Service Pricing

• 60-Minute Financial Strategy Session: $99 (paid at time of booking)
• 15-Minute Discovery Call: Complimentary — no charge
• Other program and service pricing as listed on our website and enrollment pages

6.3 Payment Processing

Payments are processed through secure third-party payment processors (Stripe or other processors). By providing payment information, you authorize us to charge the applicable fees. We do not store your full credit card number on our servers.

6.4 Subscription Services

For subscription-based services (such as monthly program memberships), you authorize recurring charges at the stated frequency until you cancel. You may cancel your subscription at any time following the process described in Section 7.

6.5 Taxes

You are responsible for any applicable taxes on services purchased. Where required by law, applicable sales tax will be added to your purchase.

Refund and Cancellation Policy

7.1 Strategy Sessions

For paid strategy sessions: You may cancel or reschedule without charge up to 24 hours before your scheduled appointment. Cancellations within 24 hours of the appointment are non-refundable. No-shows are non-refundable.

7.2 Digital Products and Resources

Due to the immediate delivery nature of digital products, guides, and downloadable resources, all sales of digital products are final and non-refundable once the content has been accessed or downloaded.

7.3 Monthly Programs and Memberships

Monthly subscription programs may be cancelled at any time before the next billing date. No partial-month refunds are provided. Cancellation takes effect at the end of the current billing period.

7.4 Other Services

For coaching packages, consulting engagements, or other multi-session services: A refund may be requested within 7 days of purchase if no sessions have been delivered. Once a session has been conducted, the fee for that session is earned and non-refundable. Remaining unused sessions in a package may be refunded on a pro-rated basis at our discretion.

7.5 Refund Process

To request a refund where eligible, contact us at [email protected] with your name, purchase details, and reason for the refund request. Approved refunds are processed within 5–10 business days to your original payment method.

User Conduct and Prohibited Activities

By using our services, you agree not to:

• Provide false, misleading, or inaccurate information in any form or registration
• Use our services for any unlawful purpose or in violation of any applicable law
• Attempt to gain unauthorized access to our systems, accounts, or data
• Reproduce, distribute, or create derivative works from our content without written permission
• Use our educational content to provide financial, legal, or credit advice to third parties in a professional capacity without appropriate licensure
• Harass, threaten, or abuse our staff, representatives, or other clients
• Submit spam, unsolicited messages, or malicious code through our contact forms or chat systems
• Misrepresent your identity or impersonate another person or entity
• Use our services or content to compete directly with us without our written permission

Violation of these conduct standards may result in immediate termination of your access to our services without refund.

Intellectual Property

9.1 Our Content

All content on our website and in our materials — including but not limited to text, graphics, logos, images, audio clips, video content, digital downloads, course materials, templates, and the overall design and compilation — is the property of Pinder Professional Group and is protected by applicable copyright, trademark, and other intellectual property laws.

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our content for your personal, non-commercial educational purposes only. This license does not include:

• The right to copy, reproduce, or distribute our content to others
• The right to modify or create derivative works from our content
• The right to use our content for commercial purposes without written permission
• The right to remove any copyright, trademark, or other proprietary notices

9.3 Trademarks

"Pinder Professional Group," "PPG," "AI Credit Helps," "Pinder's Prosperity Group," and associated logos are trademarks or service marks of Pinder Professional Group. You may not use these marks without our prior written consent.

9.4 User-Generated Content

If you submit testimonials, reviews, comments, or other content to us, you grant us a non-exclusive, royalty-free, perpetual license to use, reproduce, and display that content in connection with our marketing and operations, subject to our Privacy Policy.

Third-Party Services and Links

Our services integrate with and link to various third-party platforms and services. Your use of those third-party services is governed by their own terms and privacy policies, not ours.

Third-party services we use or link to include:

• GoHighLevel (GHL): CRM, scheduling, forms, and SMS — subject to GHL's Terms of Service
• Skool: Community platform — subject to Skool's Terms of Service
• Facebook/Meta, LinkedIn, YouTube: Social media platforms with their own terms
• FreedomPath / BCA Enrollment: Third-party enrollment platforms
• Stripe: Payment processing — subject to Stripe's Terms of Service

We are not responsible for the content, practices, or policies of any third-party services. Links to third-party sites do not constitute an endorsement.

Disclaimers and Limitation of Liability

11.1 Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that the educational information we provide is complete, accurate, or up-to-date for your specific situation.

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PINDER PROFESSIONAL GROUP, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITIES, OR ANY OTHER LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATED TO OUR SERVICES EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

11.3 Financial Outcome Disclaimer

We are not responsible for any financial decisions you make based on our educational content. Results you achieve — including any changes to your credit profile, business funding outcomes, debt reduction, or wealth accumulation — depend entirely on your individual circumstances, actions, and factors outside our control.

Indemnification

You agree to defend, indemnify, and hold harmless Pinder Professional Group, its owners, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your violation of these Terms
• Your use of our services in any manner not authorized by these Terms
• Your violation of any applicable law or regulation
• Any content you submit to us
• Your violation of any third party's rights

Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. You agree that any dispute arising from these Terms or our services shall be subject to the exclusive jurisdiction of the state and federal courts located in Franklin County, Ohio.

13.2 Informal Resolution

Before initiating any formal dispute process, we encourage you to contact us directly at [email protected] to attempt to resolve the issue informally. We commit to responding to all complaints within 10 business days and to working in good faith to resolve disputes promptly.

13.3 Arbitration

For disputes that cannot be resolved informally, you agree that any claim or controversy arising out of or related to these Terms or our services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may bring claims in small claims court if the claims qualify.

13.4 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

13.5 Time Limitation on Claims

Any claim arising out of or related to these Terms must be brought within one (1) year after the cause of action accrues, or such claim shall be permanently barred.

Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason including but not limited to violation of these Terms, fraudulent activity, abusive behavior, or non-payment.

You may terminate your use of our services at any time by ceasing to access our website and services, cancelling any active subscriptions, and opting out of all communications.

Upon termination:

• Your right to access our services ceases immediately
• Any outstanding payment obligations remain due
• Provisions of these Terms that by their nature should survive termination shall survive, including Sections 3, 9, 11, 12, and 13

Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page
• Post notice of the changes on our website
• Notify active clients via email for significant changes that affect purchased services

Your continued use of our services after any changes to these Terms constitutes your acceptance of the updated Terms. We recommend reviewing these Terms periodically. If you do not agree to the updated Terms, you must discontinue use of our services.

Contact Information

If you have questions about these Terms, please contact us:

• Pinder Professional Group
• Email: [email protected]
• Website: pinderspg.com
• Location: Columbus, Ohio (serving clients nationwide)

For SMS opt-out or communication-related requests, reply STOP to any text message or email [email protected] with your name and phone number.