TERMS & CONDITIONS

(Owned by Demure Holdings, LLC)

Effective Date: ___________________

These Terms and Conditions (“Agreement”) govern the relationship between the client (“Client”) and T. Denise Consulting, a subsidiary of Demure Holdings, LLC (“Consultant”). By engaging Consultant’s services, Client agrees to the following terms:

1. SCOPE OF SERVICES
T. Denise Consulting assists clients with the credit process by providing administrative, educational, and strategic support. Consultant does not act as a credit repair company, law firm, or financial institution, and does not directly contact credit bureaus or creditors on behalf of the Client.

2. SERVICE FEES
All fees are due as outlined in the Client’s selected service plan. Payments made to T. Denise Consulting are final and non-refundable under any circumstances, including but not limited to dissatisfaction with services, delays, or voluntary withdrawal.

3. NO GUARANTEES OR WARRANTIES
Consultant provides assistance on a best-effort basis. No results, deletions, credit score increases, or financial approvals are guaranteed. Client acknowledges that outcomes depend on individual circumstances and third-party agencies.

4. CLIENT RESPONSIBILITIES
Client agrees to:
- Provide accurate, truthful, and complete information;
- Submit only legitimate documents (no fake IDs, SSNs, or altered documents);
- Respond promptly to communications from Consultant;
- Forward all credit-related correspondence received during the service period;
- Avoid submitting duplicate disputes or engaging other services while under this Agreement.

Providing fraudulent, falsified, or misleading information is grounds for immediate termination without refund and may result in legal action.

5. NON-DISCLOSURE & CONFIDENTIALITY
Both parties agree to maintain the confidentiality of all shared information. Client may not reproduce or distribute proprietary templates, forms, or educational materials created by T. Denise Consulting or Demure Holdings, LLC. This confidentiality obligation remains in effect indefinitely.

6. INTELLECTUAL PROPERTY
All materials, documents, templates, and systems provided by Consultant are the exclusive property of T. Denise Consulting and Demure Holdings, LLC. Unauthorized reproduction or distribution is strictly prohibited.

7. LIMITATION OF LIABILITY
Consultant shall not be held liable for any losses or damages resulting from third-party actions, delayed responses, or Client’s failure to follow instructions. Consultant’s total liability shall not exceed the amount paid by the Client for services rendered.

8. GOVERNING LAW
This Agreement shall be governed by and construed under the laws of the State of Texas. Any disputes arising from this Agreement shall be resolved exclusively in the courts of Harris County, Texas.

9. TERMINATION
Either party may terminate this Agreement in writing. Upon termination, Client remains responsible for any outstanding balances. No refunds will be issued under any circumstances.

10. PRIVACY POLICY
All personal and financial information collected is governed by the T. Denise Consulting Privacy Notice. Client acknowledges receipt and understanding of the Privacy Notice.

11. UPDATES TO TERMS
T. Denise Consulting reserves the right to modify these Terms and Conditions at any time. Updates will be effective immediately upon posting or written notice to the Client.

12. ACKNOWLEDGEMENT
By signing below, Client acknowledges that they have read, understood, and agreed to abide by these Terms and Conditions.