Welcome to Credit Strategy Guide. These Terms of Service ("Terms") govern your access to and use of the website at creditstrategyguide.com (the "Site") and the advisory services we provide. By accessing the Site or engaging our services, you agree to be bound by these Terms. If you do not agree, please do not use the Site or our services.
Credit Strategy Guide is a financial advisory and loan brokerage firm based at 1154 N Jefferson St, Arlington, VA 22205, USA. We provide guidance, planning, brokerage, and settlement services in the areas of personal loans, credit loans, mortgages, wealth and investment planning, tax settlement, and insurance. We are an advisory and brokerage firm: loan approval, final rates, underwriting decisions, and policy underwriting are made solely by the lenders, insurers, and other third parties with whom we work. Nothing on the Site guarantees approval of any loan, credit, insurance policy, or tax settlement.
While we work diligently on every engagement, we make no guarantee or warranty — express or implied — that any specific financial outcome, credit score, interest rate, or settlement amount will be achieved. All projections shown during consultations are estimates based on information you provide and prevailing market conditions, and they may change without notice.
You agree to provide accurate, current, and complete information in all inquiries, applications, and consultations. You are responsible for promptly notifying us of any change in your financial circumstances that could affect an application or plan. Material inaccuracies may delay or void approvals, settlements, or coverage.
Consultations through this Site are free of charge. Fees for specific services (settlement negotiations, planning engagements, brokerage arrangements) are disclosed in a written engagement letter or quote before work begins. You are not obligated to pay any fee until you have received and accepted that written disclosure. Lenders and insurance carriers may charge their own fees, which will be separately disclosed to you in their documentation.
All content on the Site — including text, graphics, logos, imagery, and layout — is the property of Credit Strategy Guide or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without our prior written permission. You may share links to the Site for personal, non-commercial purposes.
You agree not to use the Site to: (a) transmit unlawful, defamatory, or misleading content; (b) attempt to disrupt or gain unauthorized access to the Site or its infrastructure; (c) submit false or fraudulent applications; or (d) interfere with the experience of any other user. We reserve the right to restrict access for misuse.
The Site and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-information. Information on the Site is general in nature and does not constitute individualized legal, tax, or investment advice. Financial decisions should always be confirmed with a qualified professional who knows your full circumstances.
To the maximum extent permitted by law, Credit Strategy Guide and its officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on its content, even if advised of the possibility of such damages. Our total liability for any claim shall not exceed the amount you paid us in fees for the specific service giving rise to the claim, or one hundred U.S. dollars if no fee was paid.
You agree to indemnify and hold harmless Credit Strategy Guide from any claims, damages, or expenses arising from your violation of these Terms or your misuse of the Site.
The Site may contain links to third-party websites or services. We do not control and are not responsible for the content, accuracy, or availability of third-party sites, and the inclusion of a link does not imply endorsement.
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms shall be resolved in the state or federal courts located in Arlington County, Virginia, and you consent to the exclusive jurisdiction and venue of those courts.
We may revise these Terms from time to time. The most current version will always be posted on this page. Material changes will be highlighted. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect, and the invalid provision will be reformed to the minimum extent necessary to make it enforceable.
Questions about these Terms of Service should be directed to: