Terms & Conditions

Terms & Conditions

1. Scope of Services

A.D. Tasker Advisory (“Consultant”) will provide financial consulting services to the Client as selected in the chosen service tier. These may include, but are not limited to:

• Personal or business credit analysis and optimization strategies
  
• Business funding advisory and consulting
  
• Access to third-party credit monitoring tools (e.g., SmartCredit)
  
• Basic financial planning and lender pre-qualification insight
  
  

Core Services and Deliverables
For the purpose of this Agreement, “core services” refer to the specific actions and deliverables included in the Client’s selected consulting tier. These may include, but are not limited to:

• A full credit profile analysis using data from credit monitoring platforms (e.g., SmartCredit)
  
• A personalized funding strategy and action plan based on credit, business, and income profile
  
• Referral to our network qualified lenders, funding partners, or underwriters based on client qualifications and lender underwriting criteria
  
• Feedback on fundability factors and optimization suggestions
  
• Ongoing support during the funding or application cycle, limited to the consulting window

All services are consultative in nature. Consultant is not a licensed financial advisor, credit repair organization, or legal advisor under federal or state law, unless otherwise disclosed. Consultant does not offer financial, legal, or tax advice unless explicitly stated.

2. Tiered Consulting Packages

Clients select service tiers based on their target funding outcomes. Each tier includes defined deliverables aligned with reasonable funding expectations. Service tier pricing is disclosed at checkout before payment is collected after the client is qualified internally.

Clients understand that:

• Selecting a lower tier may limit access to certain services or funding strategies.
  
• Upgrades may be requested in writing and are subject to additional fees and approval.
  
• Consultant will only fulfill obligations included in the Client’s purchased tier.
  

Client affirms that all information provided to Consultant, including but not limited to credit history, income, assets, liabilities, and business documentation, is complete, truthful, and accurate to the best of their knowledge.

Client further agrees not to intentionally misrepresent any material information—such as overstating income or assets—for the purpose of qualifying for a higher consulting tier or more favorable funding strategy.

Any such misrepresentation is considered a material breach of this Agreement and may result in immediate termination of services without refund. Consultant reserves the right to downgrade services or report suspicious conduct to relevant authorities or lenders, as appropriate.

Consultant reserves the right to enforce service boundaries to prevent abuse of tier-level benefits. Timelines for completion of consulting services are based on and subject to client responsiveness. 

3. Fees & Payment Terms

Client agrees not to initiate chargebacks and acknowledges that all payments are final, except as outlined in Section 4.

• All fees are due in full at the time of agreement acceptance via the website.
  
• Payments are non-refundable unless specified under the “Money-Back Guarantee” section.
  
• Client agrees that payment authorizes the Consultant to begin services and allocate resources accordingly.
  

4. Money-Back Guarantee

Client may be eligible for a full or partial refund if:

• The Consultant fails to deliver the core services explicitly listed in the purchased tier, within 45 days, due to Consultant negligence or unavailability.
  
• The Client has fully cooperated by providing all required documents, credit access, and accurate personal/business information within 7 days of onboarding.
  

Refund Exclusions:

• If funding is not obtained due to lender decisions, inaccurate client information, credit score changes, or missed client deadlines, no refund is due.
•  A refund, if issued, will be prorated based on the work completed and time spent
• Refunds are not due for subjective dissatisfaction or client failure to follow recommendations.
• Refunds will not be issued for delays caused by third parties or unforeseen technical issues outside the Consultant’s control.
  
• Refund requests must be made in writing within 30 calendar days of the service window ending.
  

5. Pre-Approval and Lender Relationship Disclaimer

• Any pre-approval or funding estimate is non-binding, based solely on provided data.
  
• Consultant is not a direct lender and makes no guarantee of funding approvals, loan amounts, or terms.
  
• All final decisions are made solely by third-party lenders.
  

6. Credit Monitoring Requirement

Client agrees to:

• Enroll in a credit monitoring platform (e.g., SmartCredit) at their own expense
  
• Provide login credentials to the Consultant via secure portal for analysis purposes only
  
• Maintain active access during the consulting period
  

Credit Login Credential Handling and Mandatory Access

To deliver personalized credit and funding consulting services, the Client is required to provide login credentials to their selected credit monitoring platform (e.g., SmartCredit) via a secure portal. This access is essential for analysis, pre-qualification, and lender referrals.

• Credentials are stored using industry-standard encryption and are accessible only to authorized members of the Consultant’s team for consulting purposes.
  
• Consultant does not share or store credentials outside of secure systems and does not alter or modify the Client’s credit profile.
  
• Client agrees not to revoke credit monitoring access during the consulting engagement. Doing so may result in immediate suspension of services, as credit access is required to complete analysis, verify progress, and provide lender referrals.
  
• Consultant will delete any stored credentials upon full completion of services or at the conclusion of the consulting term.
  

Without active credit monitoring access, the Consultant cannot fulfill key services, including lender introductions or funding guidance, and assumes no liability for delays or missed opportunities resulting from revoked or inactive access. Failure to maintain SmartCredit access forfeits the money-back guarantee, since analysis is not possible

Your data is accessed via encrypted storage and used solely for consulting purposes. Failure to comply may delay or hinder service delivery, and Consultant is not liable for resulting limitations.

Third-Party Platform Disclaimer and Waiver

Consultant relies on third-party credit monitoring services (e.g., SmartCredit) to perform certain aspects of the credit analysis and funding strategy.

Client acknowledges that such services are provided by independent platforms and are subject to their own terms and availability.

Consultant makes no representations or warranties regarding the accuracy, availability, or performance of any third-party credit monitoring tool.

Client agrees to hold Consultant harmless from any claims, damages, or service limitations arising from:

a) Errors or delays in data provided by third-party platforms

b) Platform outages or technical issues

c) Inaccurate or incomplete credit reporting from the platform

Consultant shall not be liable for any impact on funding opportunities or consulting services resulting from these limitations.

7. No Hard Credit Pulls by Consultant

• Consultant will not perform any hard credit inquiries.
  
• Any hard inquiries will be performed by lenders only after the Client’s express authorization.
  

8. Funding Offers and Client Autonomy

• Consultant may provide strategic lender referrals or pre-approval options.
  
• Client is under no obligation to accept any loan or credit product presented.
  

Client is solely responsible for reading and understanding loan terms presented by third-party lenders.

No Guarantee of Results
Consultant provides strategy, guidance, and support based on the information provided by the Client, industry experience, and reasonable efforts.
However, Client acknowledges and agrees that:

• Funding approvals, credit score improvements, or business financing outcomes are influenced by multiple external factors beyond Consultant’s control, including but not limited to lender discretion, market conditions, and individual financial behavior.
  
  
• Consultant does not and cannot guarantee specific funding amounts, lender approvals, or timeline outcomes.
  Client’s success is ultimately dependent on their own credit profile, financial behavior, responsiveness, and adherence to recommendations.
  No verbal or written statements shall be interpreted as a promise, warranty, or guarantee of any specific outcome.

9. Lender Fees & Backend Compensation

• Client understands that lenders may deduct fees ranging from 10–12% of the funded amount.
  
• These are not fees charged by Consultant and are payable only if/when Client accepts lender funding.
  
• Consultant may receive referral commissions, which do not impact Client costs.
  

10. Confidentiality & Data Protection

• Both parties agree to maintain the confidentiality of all non-public information.
  
• Consultant will not share Client information with third parties except:
  a) With written Client consent
  b) As necessary for service execution
  c) As required by law
  

Client also agrees not to share proprietary methods, strategies, or documents outside the scope of this Agreement. All data will be stored securely in accordance with industry practices.

11. Limitation of Liability

Consultant shall not be held liable for:

• Third-party lender decisions, credit score impacts, or funding outcomes
  
• Any indirect, incidental, or consequential losses
  
• Client actions, omissions, or misrepresentations that impact funding outcomes
  

Consultant is not responsible for indirect losses including lost opportunities, reputation damage, or funding that doesn’t materialize despite eligibility. Total liability for any claim shall not exceed the amount paid by the Client for the services.

12. Termination

Either party may terminate this agreement via written notice. Upon termination:

• Consultant will cease services
  
• Client remains responsible for payment of services rendered prior to termination
  
• No refunds are issued unless eligible under Section 4
  

Consultant reserves the right to terminate service if the Client violates the agreement. Termination does not waive Consultant’s right to enforce any rights or pursue damages for Client’s prior breaches.

13. Dispute Resolution

In the event of a dispute, both parties agree to attempt good-faith mediation before pursuing formal legal action. Any unresolved disputes will be subject to binding arbitration in Atlanta, Georgia under the rules of the American Arbitration Association (AAA).

14. Governing Law

This Agreement is governed by the laws of the State of Georgia, without regard to conflict-of-law principles.

15. Entire Agreement

This Agreement, including any supporting service descriptions or policies referenced herein, represents the entire understanding between the Client and Consultant and supersedes all prior oral or written communications.

16. Electronic Consent and Acceptance

By checking the box during the sign-up process, the Client:

• Acknowledges full understanding and acceptance of this Agreement
  
• Confirms electronic consent to contract under the Electronic Signatures in Global and National Commerce Act (ESIGN)
• Waives any future claims of not having received or understood these terms
  

I have read, understood, and agree to the A.D. Tasker Advisory Agreement & Terms of Service

Privacy Policy

_{1. Data Collection and Use}

We collect personal and business information to deliver our capital advisory services, credit analysis, and funding programs. This includes:

• Personal Identification: Name, email, phone number, address, DOB
  
• Financial Information: Income, credit score, credit utilization, inquiries, tradelines
  
• Business Data: Entity name, EIN, business revenue, start date, banking status
  
• Funding Objectives: Desired loan amounts, funding type, timelines, and use of funds
  

Purpose of Collection:

• Qualification for funding and strategic consultation
  
• Credit and business profile analysis
  
• Pre-underwriting and lender submissions
  
• Compliance and internal reporting
  

We use this data solely to deliver personalized financial solutions and never sell or lease your data.

_{2. Data Sharing and Third Parties}

We may share information with:

• Lenders and Underwriters – For funding qualification and deal structuring
  
• Credit Platforms – For analysis and monitoring (e.g., SmartCredit, IdentityIQ)
  
• Internal Advisors and Processors – For compliance, underwriting, and support
  
• Authorized Vendors – CRM, automation, secure hosting, analytics providers
  

All third-party access is restricted to legitimate operational purposes and governed by confidentiality and data protection agreements.

_{3. Communication Consent}

By providing your information, you consent to receive:

• SMS and email updates on your application status
  
• Strategy emails, consultation requests, reminders
  
• Educational and promotional communications
  

You may opt out of marketing communications at any time by using the unsubscribe link or emailing support@adtasker.co.

_{4. Data Security}

We implement appropriate technical and organizational security measures to protect your information, including:

• Encrypted data transmission and storage
  
• Firewalled, access-controlled systems
  
• Internal audits and compliance controls
  
• Role-based access for authorized personnel only
  

While we take reasonable steps to secure your information, no system can be guaranteed 100% secure. We encourage users to take precautions on their end as well.

_{5. Your Rights}

Under applicable privacy laws, you may:

• Request access to your data
  
• Correct inaccuracies
  
• Request data deletion or portability
  
• Withdraw consent for data processing (where permitted)
  

Submit your request by emailing support@adtasker.co. Verification of identity may be required.

_{6. Cookies and Tracking Technologies}

We use cookies, tracking pixels, and similar tools to improve your experience, optimize performance, and deliver tailored marketing content.

a. Types of Cookies We Use

• Essential Cookies – Enable secure logins and site functionality
  
• Performance Cookies – Help analyze traffic and behavior using platforms like Google Analytics
  
• Functionality Cookies – Remember preferences and enhance user experience
  
• Marketing & Retargeting Cookies – Track engagement for targeted advertising
  

b. Tracking Pixels

We use:

• Meta Pixel (Facebook/Instagram)
  
• Google Ads Pixel
  
• LinkedIn Insight Tag
  
• TikTok Pixel
  

These technologies measure campaign performance and allow us to re-engage users with relevant offers.

c. Your Choices

Upon visiting our site, you may accept or decline cookies. You may also:

• Adjust browser settings to block cookies
  
• Opt out of targeted advertising via:
  
  • Digital Advertising Alliance
    
  • Your Online Choices
    

Disabling cookies may affect functionality and personalization.

_{7. Data Retention}

We retain client data as long as necessary to fulfill legal, operational, and strategic functions, including:

• Consulting agreements and financial records
  
• Regulatory documentation
  
• Dispute resolution or compliance
  

You may request early deletion, subject to our legal obligations.

_{8. Policy for Minors}

Our services are not intended for children under 18. We do not knowingly collect or process information from minors. If we discover such information, we will delete it promptly.

_{9. Changes to This Policy}

We may update this policy periodically. Revisions will be posted on this page with a new effective date. Material changes will be communicated via email or website notice.

_{10. Contact Us}

If you have questions or requests related to this Privacy Policy, contact:

A.D. Tasker Privacy Office
📧 Email: support@adtasker.co
🌐 Website: www.adtasker.co

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User Policy

1. Authorized Use

By engaging A.D. Tasker services, users agree to:

• Provide truthful and accurate information
  
• Use the services solely for personal or business financial improvement
  
• Respect proprietary materials, processes, and intellectual property
  

Misrepresentation or misuse may result in termination of services and legal recourse.

2. No Guarantees or Warranties

While we use our best efforts to secure funding and optimize credit, A.D. Tasker does not guarantee:

• Specific funding amounts or lender decisions
  
• Credit score improvements within a fixed timeframe
  
• Outcomes from third-party services (e.g., lenders, credit bureaus)
  

Outcomes are based on client profile, responsiveness, and market conditions.

3. Accountability

Clients are responsible for:

• Timely submission of documents and responses
  
• Maintaining updated contact and credit information
  
• Complying with recommendations and action plans
  

Failure to act on strategic steps may limit results and forfeit money-back guarantees.

4. Use of Tools and Content

All templates, scripts, strategies, and documents shared through the A.D. Tasker platform are:

• For client use only
  
• Protected by copyright and trade practice
  
• Prohibited from redistribution, resale, or replication without written permission
  

Violators will be subject to service termination and intellectual property enforcement.

5. Dispute Resolution

All disputes are governed by the laws of the State of Florida, with mandatory arbitration as the exclusive remedy before any formal legal action. Any disputes must be filed within one (1) year from the event triggering the complaint.

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