Terms of Service
The terms and conditions governing your use of the Affirm Consult website and services.
1. Acceptance of Terms
By accessing or using the website located at affirmconsult.org ("Website") or engaging any services offered by Affirm Consult LLC ("Affirm Consult," "we," "us," or "our"), you ("Client," "User," or "you") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms in their entirety, you must not use our Website or services.
These Terms constitute a legally binding agreement between you and Affirm Consult LLC. Please read them carefully.
2. Description of Services
Affirm Consult provides the following categories of services:
- Real Estate Consulting: Strategic advisory for real estate firms, developers, and homeowners, including market analysis, portfolio strategy, development feasibility, and transaction advisory.
- Corporate Consulting: Business strategy, operational improvement, and growth advisory for organizations.
- Loan Advisory Services: Assistance with loan pre-qualification, program identification, application preparation, and coordination with licensed lending partners — for clients who meet qualification criteria.
- Premium Advisory Retainer: Ongoing, dedicated advisory relationships with senior consultants.
Specific service terms, scope, deliverables, and fees are set forth in individual engagement agreements or statements of work ("SOW") executed between Affirm Consult and the client. In the event of conflict between these Terms and an SOW, the SOW controls with respect to the specific engagement.
3. Not Legal, Financial, or Investment Advice
The information provided on this Website and through our consulting services is for general informational and advisory purposes only. It does not constitute legal advice, financial advice, investment advice, tax advice, or any other professional regulated advice. You should consult qualified licensed professionals — including attorneys, accountants, licensed financial advisors, and licensed mortgage brokers or lenders — before making any significant legal, financial, or real estate decisions.
Affirm Consult is not a licensed real estate broker, attorney, CPA, or registered investment advisor unless separately disclosed. Loan services are facilitated in partnership with licensed lending entities.
4. Loan Services — Important Disclosure
Loan advisory services are subject to separate terms and disclosures provided at the time of engagement. Key points:
- All loans are subject to underwriting approval and are not guaranteed.
- Rates, terms, and program availability are subject to change without notice.
- Loan services are available only to clients who meet qualifying criteria.
- Affirm Consult acts as an advisory intermediary; loan origination is conducted through licensed third-party lenders.
- Equal Housing Opportunity. We do not discriminate on the basis of any protected characteristic.
5. User Obligations
By using our Website or services, you agree to:
- Provide accurate, complete, and current information in all inquiries and applications.
- Use our Website and services only for lawful purposes and in accordance with these Terms.
- Not attempt to gain unauthorized access to any portion of the Website or its related systems.
- Not engage in any conduct that could damage, disable, or impair the Website or interfere with others' use.
- Not use automated tools to scrape, extract, or harvest content from the Website without our written consent.
- Not misrepresent your identity or affiliation when contacting Affirm Consult.
6. Intellectual Property
All content on this Website — including text, graphics, logos, images, data, and software — is the property of Affirm Consult LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content without our express prior written consent.
Limited personal, non-commercial use is permitted for informational purposes only, provided you retain all copyright and proprietary notices.
7. Confidentiality
In connection with our consulting engagements, both parties may share confidential information. We will not disclose your confidential business information to third parties except as described in our Privacy Policy or as required to perform the services. Specific confidentiality obligations may be set forth in a separate Non-Disclosure Agreement (NDA) or engagement agreement.
8. Fees and Payment
Consulting and advisory fees are specified in individual engagement agreements or SOWs. Unless otherwise agreed:
- Fees are due as stated in the engagement agreement.
- Late payments may be subject to interest at the rate of 1.5% per month or the maximum rate permitted by law.
- Affirm Consult reserves the right to suspend services for non-payment.
- All fees are non-refundable unless expressly stated otherwise in writing.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:
- AFFIRM CONSULT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES OR WEBSITE.
- OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATED TO OUR SERVICES SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO AFFIRM CONSULT IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
- AFFIRM CONSULT DOES NOT GUARANTEE ANY SPECIFIC OUTCOME, RESULT, OR RETURN ON INVESTMENT FROM OUR CONSULTING OR LOAN ADVISORY SERVICES.
10. Disclaimer of Warranties
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
11. Indemnification
You agree to indemnify, defend, and hold harmless Affirm Consult LLC, its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of our services or Website; (b) your violation of these Terms; or (c) your violation of any applicable law or the rights of any third party.
12. Termination
Either party may terminate a consulting engagement as specified in the applicable engagement agreement. We reserve the right to terminate or suspend your access to our Website or services at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to our interests or the interests of others.
13. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or our services shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to binding arbitration in New York, New York, under the rules of the American Arbitration Association (AAA), except that either party may seek injunctive relief in a court of competent jurisdiction. The parties waive the right to a jury trial and to participation in class action proceedings.
14. Modifications to Terms
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the revised Terms on this page with an updated effective date. Your continued use of our Website or services after such changes constitutes acceptance of the revised Terms.
15. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms shall otherwise remain in full force and effect.
16. Entire Agreement
These Terms, together with our Privacy Policy and any applicable engagement agreements, constitute the entire agreement between you and Affirm Consult with respect to your use of our services and Website, and supersede all prior communications and proposals.
17. Contact Information
For questions about these Terms of Service, please contact:
- Affirm Consult LLC
- Email: legal@affirmconsult.org
- Mailing: 1601-1 N Main St #3159, Jacksonville, FL 32206
- Phone: (Add your phone here)