Terms of service
OVERVIEW
This website is operated by Fresh Start Relief Solutions LLC, and may also provide services under The Filing Factory. Throughout this website, the terms “we,” “us,” and “our” refer to Fresh Start Relief Solutions LLC and, where applicable, The Filing Factory.
By visiting this website, purchasing a product or service, completing an intake, downloading a resource, or otherwise using the website, you agree to these Terms of Service (“Terms”).
These Terms apply to all website visitors, customers, clients, purchasers, and users of our services.
Our online store is hosted by Shopify Inc., which provides the e-commerce platform used to offer certain products and services.
1. ELIGIBILITY AND ACCEPTABLE USE
By using this website, you represent that you are legally capable of entering into an agreement in your jurisdiction.
You may not use this website, its products, resources, forms, or services for any unlawful, fraudulent, abusive, or unauthorized purpose.
You may not attempt to interfere with the security, operation, functionality, or integrity of this website or any third-party platform connected to it.
We reserve the right to refuse, suspend, or terminate access to our services when reasonably necessary to protect our business, clients, systems, or legal interests.
2. SERVICES OFFERED
Services and resources available through this website may include:
- credit education and credit-rebuilding services
- credit profile reviews
- digital credit resources
- tax preparation services through The Filing Factory
- individual and self-employed tax preparation
- business tax preparation
- prior-year tax return services
- notary or loan-signing services when offered
- Re-Entry Solutions and educational resources
- digital guides, checklists, workbooks, and downloadable products
The availability, scope, pricing, and requirements of individual services may change from time to time.
3. CREDIT-RELATED SERVICES
Fresh Start Relief Solutions provides credit education, analysis, dispute-related assistance where applicable, and credit-rebuilding guidance.
Purchasing a credit-related service does not guarantee:
- deletion of any account or item
- removal of accurate information
- a particular credit-score increase
- achievement of a particular credit score
- approval for a vehicle
- approval for housing
- approval for a mortgage
- approval for financing or credit
- a specific result within a specific period
Results depend on each client's individual credit profile, creditor or furnisher responses, credit-reporting activity, financial behavior, and other circumstances outside our control.
Clients are responsible for providing complete and accurate information and for completing required onboarding steps.
4. THIRD-PARTY CREDIT MONITORING AND ONBOARDING
Certain credit services may require or recommend the use of an independent credit-monitoring, identity-verification, onboarding, document-upload, or similar third-party platform.
When you create an account or purchase a service directly from a third-party provider, your relationship with that provider is governed by its own terms, pricing, privacy policies, and cancellation procedures.
We do not control third-party platforms and are not responsible for their availability, pricing changes, technical issues, service interruptions, or independent business practices.
5. TAX PREPARATION SERVICES
Tax services offered under The Filing Factory require clients to provide complete, accurate, and truthful information.
Clients remain responsible for the accuracy and completeness of information and documents supplied for preparation of a tax return.
Tax preparation services do not guarantee:
- a particular refund amount
- eligibility for a particular credit or deduction
- acceptance of a tax return
- avoidance of an audit
- a particular tax result
- a specific refund-processing timeframe
Tax outcomes depend upon applicable tax law, the taxpayer's individual circumstances, documentation provided, and determinations made by taxing authorities.
Additional acknowledgments, authorizations, disclosures, due-diligence forms, or consents may be required before a tax return can be completed or filed.
6. CLIENT RESPONSIBILITY FOR INFORMATION
You agree to provide accurate, current, and complete information when purchasing services, completing forms, submitting documents, or communicating with us.
You are responsible for reviewing information before submission.
We may delay or decline a service when required information or documentation has not been provided.
We are not responsible for delays or inaccurate outcomes caused by incomplete, inaccurate, misleading, altered, or omitted information supplied by a client.
7. DIGITAL PRODUCTS AND DOWNLOADS
Certain products are delivered electronically and no physical item will be shipped.
Digital products may include:
- guides
- checklists
- worksheets
- templates
- educational materials
- downloadable resources
Unless otherwise stated, digital materials are provided for the purchaser's personal use.
You may not reproduce, redistribute, resell, sublicense, upload, share, commercially exploit, or represent our digital materials as your own without written permission.
Free resources remain protected by applicable intellectual-property laws even when no purchase price is charged.
8. RE-ENTRY RESOURCES
Re-Entry Solutions and related resources are intended to provide education, planning tools, financial-literacy information, and practical guidance.
These materials do not guarantee employment, housing, transportation, financing, credit improvement, government benefits, legal outcomes, or successful completion of any particular re-entry objective.
Resources are not a substitute for individualized legal, financial, housing, employment, mental-health, or governmental assistance where such professional or agency assistance is needed.
9. PRICES AND PAYMENTS
Prices displayed on the website are subject to change.
The price shown at checkout at the time of purchase generally controls the transaction unless an obvious pricing or technical error has occurred.
We reserve the right to correct pricing errors and cancel or refund transactions affected by a material error.
You agree to provide accurate billing and payment information.
10. REFUNDS AND CANCELLATIONS
Refund eligibility is governed by our Refund Policy.
Digital-product purchases and professional-service purchases may be subject to different refund rules.
Professional-service payments may become non-refundable once onboarding, review, preparation, strategy development, research, administrative work, tax preparation, or other substantive services have begun.
If you believe you were incorrectly charged, please contact us promptly so the matter can be reviewed.
11. THIRD-PARTY LINKS AND SERVICES
Our website may contain links to third-party websites, software, monitoring services, government websites, tax resources, payment processors, document-upload systems, and other independent services.
Third-party websites operate independently from us.
We are not responsible for their content, accuracy, availability, security practices, pricing, privacy policies, terms, or actions.
Use of a third-party service is subject to that provider's terms and policies.
12. INFORMATIONAL CONTENT
Educational content available through this website is provided for general informational purposes.
Nothing on the website should be interpreted as a guarantee of a specific financial, credit, tax, lending, housing, employment, or legal outcome.
Where appropriate, clients should consult a qualified attorney, accountant, financial professional, lender, housing professional, government agency, or other relevant specialist.
13. INTELLECTUAL PROPERTY
Unless otherwise stated, website content, branding, digital resources, graphics, written materials, worksheets, guides, service descriptions, and other original materials are owned by or licensed to Fresh Start Relief Solutions LLC and/or The Filing Factory.
You may not copy, reproduce, republish, sell, distribute, modify, or commercially exploit our protected content without written permission.
14. PERSONAL INFORMATION
Collection and use of personal information are governed by our Privacy Policy.
Clients should use the designated secure intake, onboarding, and document-upload systems when submitting sensitive financial, tax, identification, or credit-related information.
15. WEBSITE ERRORS AND AVAILABILITY
We make reasonable efforts to provide accurate information, but the website may occasionally contain errors, outdated information, technical issues, pricing errors, broken links, or temporary service interruptions.
We reserve the right to correct errors, update content, change pricing, modify services, or discontinue website features.
16. PROHIBITED USES
You may not use this website or its content to:
- violate any law or regulation
- commit or facilitate fraud
- submit knowingly false or misleading information
- infringe intellectual-property rights
- transmit malicious software
- interfere with website security
- scrape or harvest information without authorization
- impersonate another person
- misuse another person's personal information
- resell or redistribute protected digital materials without authorization
We may terminate access for prohibited use.
17. DISCLAIMER OF WARRANTIES
To the fullest extent permitted by law, this website and its informational resources are provided on an “as is” and “as available” basis.
We do not guarantee that the website will always be uninterrupted, error-free, or available.
Except where expressly stated in writing, we do not guarantee specific outcomes from products, educational materials, credit services, tax preparation services, Re-Entry Solutions, or other professional services.
18. LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, Fresh Start Relief Solutions LLC, The Filing Factory, and their owners, employees, contractors, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages resulting from use of the website, products, digital materials, services, or third-party platforms.
Nothing in these Terms excludes liability that cannot lawfully be excluded.
19. INDEMNIFICATION
You agree to indemnify and hold harmless Fresh Start Relief Solutions LLC, The Filing Factory, and their officers, employees, contractors, and service providers from third-party claims arising from your unlawful use of the website, violation of these Terms, infringement of another person's rights, or submission of fraudulent or materially false information.
20. SEVERABILITY
If any provision of these Terms is determined to be unlawful or unenforceable, the remaining provisions will remain effective to the fullest extent permitted by law.
21. TERMINATION
These Terms remain effective while you use the website or our services.
We may suspend or terminate access to services when a user materially violates these Terms, engages in fraud or abuse, threatens website or client security, or otherwise uses the services unlawfully.
Obligations incurred before termination remain enforceable where applicable.
22. GOVERNING LAW
These Terms and transactions arising through this website will be governed by applicable federal law and the laws of the State of Florida, without regard to conflict-of-law principles, except where another jurisdiction's law is required to apply.
Your current policy only says “laws of United States,” which is unnecessarily vague.
23. CHANGES TO THESE TERMS
We may revise these Terms periodically to reflect changes in our services, operations, website, or legal obligations.
The current version will be posted on this website.
Continued use of the website after revised Terms become effective constitutes acceptance of the updated Terms to the extent permitted by law.
24. CONTACT INFORMATION
Questions regarding these Terms of Service may be directed to:
Fresh Start Relief Solutions LLC
Email: rochelle@freshstartrs.com
Phone: (407) 900-1550