Terms and Conditions
Valora Consulting Group LLC Last Updated: [10-01-2026]
Welcome to Valora Consulting Group LLC (“Valora,” “we,” “us,” or “our”). By using our website, requesting a consultation, enrolling in our services, or opting in to our text messages, you agree to these Terms and Conditions. If you do not agree, please do not use our website or services.
Contact: Valora Consulting Group LLC 701 Tillery St, Austin, TX 78702 Email: info@valoraconsultingsolutions.com Phone: +1 512-702-5905
1. Eligibility (18+)
You must be at least 18 years old to use our website, services, or SMS program. By using them, you confirm you are 18 or older and have the legal capacity to enter into this agreement. If you are acting for a business, you confirm you are authorized to bind it.
2. Our Services
Valora provides personalized credit-education and credit-report review services, dispute assistance for eligible items, business-credit building guidance, and funding-readiness consulting. Specific services, timelines, and fees are explained before enrollment and set out in your service agreement.
Important disclosures:
- Valora Consulting Group LLC is not a lender and does not guarantee approval, funding amounts, interest rates, or credit limits.
- We do not guarantee any specific credit-score increase, deletion of any item, or specific outcome. Accurate and current negative information cannot be guaranteed for removal.
- We review and dispute information believed to be inaccurate, incomplete, unverifiable, outdated, or the result of identity theft.
- Our content is educational and is not legal, tax, or financial advice. You are responsible for your financial decisions.
- You have the right to dispute inaccurate information on your credit reports yourself, at no cost, directly with the credit bureaus.
- Testimonials reflect individual experiences. Results vary.
3. Client Responsibilities
You agree to provide accurate, complete, and current information; respond promptly to requests for documents or authorizations; and not submit false or misleading information. Delays or inaccurate information may affect results and timelines.
4. Fees and Payment
Fees are disclosed before you enroll and in your written service agreement. No services are charged before they are performed except as permitted by applicable law. Late or failed payments may result in suspension of services.
5. Cancellation
You may cancel your service agreement as described in your signed agreement and as provided by applicable federal and Texas law, including any right to cancel within three (3) business days of signing. To cancel, send written notice to info@valoraconsultingsolutions.com or our mailing address above. Our full cancellation policy is provided at enrollment.
6. SMS / Text Messaging Program Terms
Program description. Valora Consulting Group LLC’s text-messaging program sends messages related to our services, including appointment and consultation reminders, follow-ups to inquiries, document requests, service and progress updates, account notifications, and, if you opted in to them, informational or promotional messages.
Consent. By providing your mobile number and agreeing to receive texts (for example, by checking the SMS consent box on our forms), you consent to receive recurring text messages from Valora, including messages sent using automated technology. Consent is not a condition of purchase of any goods or services.
Message frequency. Message frequency varies.
Message and data rates. Message and data rates may apply, according to your mobile plan. Please contact your wireless carrier for details.
How to opt out. You can cancel the SMS service at any time. Text STOP to any message from us. You will receive a confirmation message and will receive no further texts unless you opt in again. You may also opt out by contacting us at info@valoraconsultingsolutions.com or +1 512-702-5905.
Help / support. For help, text HELP or contact us: Email: info@valoraconsultingsolutions.com Phone: +1 512-702-5905
Carrier liability disclaimer. Wireless carriers and their affiliates are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your carrier and is not guaranteed.
Supported carriers and changes. The program is available on participating carriers. We may modify or discontinue the SMS program at any time.
Privacy. Your mobile number and opt-in information are handled according to our Privacy Policy. We do not sell, rent, or share SMS opt-in data or mobile numbers with third parties or affiliates for marketing purposes.
7. Intellectual Property
All website content, including text, graphics, logos, and materials, belongs to Valora Consulting Group LLC or its licensors and is protected by law. You may not copy, reproduce, distribute, or create derivative works without our written permission. Materials we provide to you are for your personal or internal business use only.
8. Acceptable Use
You agree not to misuse the website or services, including by attempting unauthorized access, submitting false information or documents, using our materials unlawfully, or interfering with site operation.
9. Third-Party Services and Links
Our website may link to or rely on third-party services (credit bureaus, scheduling and payment tools). We do not control and are not responsible for third-party content, policies, or actions.
10. Disclaimer of Warranties
Our website and services are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose and non-infringement, and do not warrant that results will be achieved or that the site will be uninterrupted or error-free.
11. Limitation of Liability
To the fullest extent permitted by law, Valora and its owners, employees, and contractors are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or opportunities, arising from your use of the website or services. Our total liability for any claim will not exceed the amount you paid us for the services giving rise to the claim in the twelve (12) months before the claim. Nothing in these Terms limits rights you have under applicable consumer-protection law that cannot be waived.
12. Indemnification
You agree to indemnify and hold harmless Valora from claims, losses, and expenses arising from your breach of these Terms, your submission of false information, or your misuse of the services, to the extent permitted by law.
13. Governing Law
These Terms are governed by the laws of the State of Texas and applicable federal law, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Travis County, Texas, unless otherwise stated in your service agreement or required by law.
14. Privacy
Your use of our website and services is also governed by our Privacy Policy, which explains what we collect, how we use it, and your rights.
15. Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date shows the latest revision. Continued use after changes means you accept them.
16. Severability and Entire Agreement
If any provision is found unenforceable, the rest remain in effect. These Terms, together with your signed service agreement and our Privacy Policy, form the entire agreement between you and Valora.
17. Contact Us
Valora Consulting Group LLC 701 Tillery St, Austin, TX 78702 Email: info@valoraconsultingsolutions.com Phone: +1 512-702-5905