Last Updated: March 31, 2026
Welcome to S&J Consulting Services. These Terms and Conditions ("Terms") govern your access to and use of our website, services, and products. By accessing or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.
By submitting a loan application, accessing our website, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and S&J Consulting Services.
To use our services, you must:
We reserve the right to refuse service to anyone at our sole discretion.
When you submit a loan application, you authorize S&J Consulting Services to:
Loan approval is subject to our underwriting criteria and is not guaranteed. Approval timelines, loan amounts, interest rates, and terms are determined on a case-by-case basis. We reserve the right to decline any application without providing a reason.
You represent and warrant that all information provided in your application is true, accurate, and complete. Providing false or misleading information may result in immediate denial of your application and potential legal action.
Specific loan terms, including principal amount, interest rate, fees, repayment schedule, and term length, will be outlined in your loan agreement. You agree to review and sign the loan agreement before funds are disbursed.
You agree to repay the loan according to the terms specified in your loan agreement. Failure to make timely payments may result in:
You may prepay your loan in full or in part at any time. Prepayment terms, including any prepayment penalties or fees, will be specified in your loan agreement.
All applicable fees, including origination fees, processing fees, late fees, and other charges, will be disclosed in your loan agreement. You agree to pay all fees as outlined. We do not charge application fees unless explicitly stated during the application process.
You may use our website for lawful purposes only. You agree not to:
All content on this website, including text, graphics, logos, images, and software, is the property of S&J Consulting Services and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
If you opt in to receive SMS or text messages from S&J Consulting Services, the following additional terms apply:
Consent: By opting in, you consent to receive recurring marketing and promotional SMS/MMS messages from S&J Consulting Services sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, financing reminders, and information about our financial products and services.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though the actual number may be higher or lower depending on promotions and your account activity.
Message and Data Rates: Message and data rates may apply. Check with your mobile carrier for details about your messaging plan and any charges that may apply.
Opt-Out: You may opt out of receiving text messages at any time by replying STOP to any message. After opting out, you will receive one final confirmation message. You may also opt out by contacting us at scott@sjconsultingservices.com.
Help: For assistance or more information, reply HELP to any message, or email us at scott@sjconsultingservices.com.
Not a Condition of Purchase: Consent to receive text messages is NOT a condition of purchase or use of our services. You may decline to opt in or opt out at any time without affecting your eligibility for our financial products.
Supported Carriers: Our SMS program is supported by major U.S. carriers, including AT&T, Verizon, T-Mobile, Sprint, and others. Message delivery is subject to carrier limitations and may not be available in all areas.
Changes to Terms: We reserve the right to modify or terminate our SMS program at any time. We will notify you of material changes via text message or email.
Our website may contain links to third-party websites, services, or resources. We do not control or endorse these third parties and are not responsible for their content, privacy practices, or terms of service. Your use of third-party services is at your own risk.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or secure.
To the fullest extent permitted by law, S&J Consulting Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, including but not limited to loss of profits, data, or business opportunities.
You agree to indemnify, defend, and hold harmless S&J Consulting Services, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of or related to:
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any disputes arising out of or related to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
You agree to waive any right to a jury trial or to participate in a class action lawsuit.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.
We may suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination, your right to use our services will immediately cease, but any outstanding loan obligations will remain in effect.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy and any loan agreements you enter into, constitute the entire agreement between you and S&J Consulting Services regarding the use of our services.
If you have questions or concerns about these Terms, please contact us:
S&J Consulting Services
2200 N Commerce Pkwy, Suite 200
Weston, FL 33326
Email: scott@sjconsultingservices.com