TERMS OF SERVICE
Effective date: November 1, 2026
These Terms of Service ("Terms") apply to your use of the website brown-financialsolutions.com and any services offered by Brown Financial Solutions, doing business as Brown Credit Consultation ("we," "us," or "our"). By using this website or booking a consultation, you agree to these Terms. If you do not agree, please do not use the website.
1. Our services
We help clients review their credit reports, identify items they believe are inaccurate, incomplete or unverifiable, and prepare disputes with the credit bureaus and creditors. We also provide credit education and guidance.
You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the credit bureau directly. You are not required to hire a credit repair company to do this.
2. No guaranteed results
We cannot guarantee any specific result, credit score increase, or removal of any item. Accurate, timely and verifiable information can legally remain on your credit report. Results depend on your individual credit history and on decisions made by the credit bureaus and creditors, which we do not control.
3. How services begin
No credit repair services begin until you have:
Received a separate written statement of your rights under state and federal law
Signed a written client agreement that lists the services, total fees and estimated timeframe
Been given your right to cancel within 5 business days, as described in Section 5
Booking a free consultation does not create a client relationship or any obligation to buy.
4. Fees and payment
Our fees are set out in your signed client agreement. We do not charge or collect any fee for a credit repair service until that service has been fully performed.
Your first fee is charged only after your first month of services has been performed. After that, a monthly fee is charged for each following month of service. The amounts and number of payments are listed in your client agreement.
Payments are processed by a secure third-party payment processor. We do not store full card numbers.
5. Your right to cancel
You may cancel your client agreement without penalty or obligation at any time before midnight of the 5th business day after the date you signed it. After that period, you may cancel at any time by giving written notice to [email protected]. You will not be charged for any service that has not been performed.
If you cancel within the cancellation period, any payment you have made will be returned within 15 days of our receiving your notice of cancellation.
6. Your responsibilities
As a client, you agree to:
Give us complete and truthful information
Keep an active credit monitoring account if your agreement requires one (SmartCredit)
Forward any letters you receive from the credit bureaus or creditors as soon as possible
Tell us about any changes to your contact details
We will never advise you to make a false statement to a credit bureau or creditor, or to change your identity to hide your credit history. Doing so may be illegal.
7. Communications
By submitting a form on this website, you agree that we may contact you by email and by phone at the number you provide, including calls made with automated or AI-assisted technology, about your inquiry and our services. Consent is not a condition of purchase. You can opt out at any time by telling us during a call or by emailing [email protected]. Standard call charges from your phone provider may apply.
8. Third-party services
Some services rely on third parties, such as credit monitoring providers, dispute software, payment processors and scheduling tools. Their own terms and privacy policies apply to your use of their services.
9. Website content
Information on this website is for general education only. It is not legal, financial or tax advice. Please speak to a qualified professional about your specific situation.
10. Limitation of liability
To the extent allowed by law, we are not liable for indirect, incidental or consequential damages arising from your use of this website or our services. Nothing in these Terms limits any right you have under the Credit Repair Organizations Act or other consumer protection laws, and any waiver of those rights is void.
11. Governing law
These Terms are governed by the laws of the State of Alabama, and applicable federal law.
12. Changes to these Terms
We may update these Terms from time to time. The effective date at the top of this page shows when they were last changed.
13. Contact us
Brown Financial Solutions (Brown Credit Consultation)
2100 Southbridge Pkwy, Suite 650, Birmingham, AL 35209
[email protected]
(478) 239-1968