Effective Date: April 16, 2025

Last Updated: April 16, 2025

Welcome to O and R Consulting. These Terms and Conditions ("Terms") govern your use of the services offered by O and R Consulting, operated by O&R DIGITAL LLC, doing business as (D.B.A.) O and R Consulting.

By accessing or using our platform, services, or website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

1. About O and R Consulting

O and R Consulting provides financial consulting services including debt relief support, credit improvement planning, personal and business budgeting, retirement preparation, and financial education. Our services are intended for individual clients and businesses seeking guidance on personal or commercial financial matters.

2. Eligibility

You must be at least 18 years old to use our services. By engaging with our platform, you confirm that you are legally able to enter into a binding agreement and are not barred from using such services under applicable laws.

3. User Responsibilities

By using our services, you agree to:

Provide accurate and truthful information at all times

Keep your login credentials confidential and secure

Use our services only for lawful and personal/business financial purposes

Not misuse the platform or attempt unauthorized access to data or systems

You are solely responsible for any activity that occurs under your account.

4. Prohibited Uses

You may not:

Use the platform to send spam or fraudulent content

Upload, transmit, or post content that is misleading, offensive, or unlawful

Attempt to breach or test the vulnerability of our system

Use our services in a way that violates any local, state, or federal laws

We reserve the right to take appropriate action against violations.

5. Communications and Messaging

By providing your phone number and email address, you agree to receive communications from us, including service updates, SMS messages, email notifications, and promotional content (if you opt in). You may opt out at +1 (724) 494-6303 any time by replying "STOP" to a text message or contacting us directly.

Carrier Liability Clause Carriers are not liable for delayed or undelivered messages.

Help & Support Clause Reply "HELP" to any text message for assistance, or contact us directly at +1 (724) 494-6303. Customer support is available during regular business hours.

Message Frequency Clause As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

6. Intellectual Property

All content, graphics, logos, and intellectual property provided by O and R Consulting are owned by O&R DIGITAL LLC. You may not copy, reuse, modify, or distribute any content without written permission from us.

7. Service Availability

We aim to provide consistent and uninterrupted service but do not guarantee that our platform will always be operational. We may change, suspend, or discontinue any portion of the service at any time, without prior notice.

8. Limitation of Liability

To the maximum extent allowed by law, O&R DIGITAL LLC and its affiliates shall not be liable for any indirect, incidental, or consequential damages that result from your use of the platform or services.

This includes, but is not limited to, financial losses, delays, data loss, or disruptions caused by third-party vendors or service failures beyond our control.

9. Privacy and Data Protection

We respect your privacy. Please refer to our [Privacy Policy] for details on how we collect, use, and protect your personal information. By using our services, you agree to the terms outlined in that policy.

10. Termination

We reserve the right to suspend or permanently terminate your access to the platform or services at our sole discretion, without prior notice, if we determine that you have violated these Terms or applicable laws.

11. Modifications to Terms

We may update or revise these Terms at any time. Material changes will be communicated via email or posted on our website. Your continued use of our services after changes have been made constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict of laws principles. Any legal action or proceeding shall be brought exclusively in the courts located in OH.

13. Contact Us

If you have any questions regarding these Terms or our services, you may contact us at:

Email: [email protected] Phone: +1 (724) 494-6303 Company: O&R DIGITAL LLC (D.B.A. O and R Consulting)

Thank you for choosing O and R Consulting as your trusted financial partner.