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Terms and Conditions

Terms and Conditions
Apex Debt Strategies LLC

  1. Acceptance of Terms
    Welcome to the website of Apex Debt Strategies LLC (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website, digital portals, online contact forms, and online consultation request features (collectively, the “Site”). By accessing, browsing, or submitting an online inquiry through our Site, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must immediately cease using the Site.
  2. Scope of Services & Consultation Workflow
    Apex Debt Strategies LLC provides debt strategy, debt consolidation advisory, and financial consultation guidance. Users of the Site acknowledge and agree to the following operational framework:

Online Inquiries: Submitting an inquiry form on our Site does not create a formal financial advisory, legal, or debt management contract between you and Apex Debt Strategies LLC.

Consultant Contact: Financial data and personal evaluation details are handled exclusively via a dedicated financial consultant who contacts the client directly after responding to an online inquiry.

Formal Financial Consultation Agreement: All formal debt analysis, financial evaluation, debt strategy planning, and binding service arrangements occur solely upon the execution of a separate, written Financial Consultation Agreement signed by both you and an authorized representative of Apex Debt Strategies LLC.

  1. Accuracy of User Information & Debt Verification
    You represent and warrant that all information you provide to Apex Debt Strategies LLC through the Site or during subsequent communications is true, accurate, current, and complete. Pursuant to our operational protocols and Privacy Policy, financial data provided under a consultation agreement is strictly verified:

Third-Party Verification: Information is only shared with third parties for debt verification and to prove the accuracy of the details provided, such as contacting financial institutions, creditors, credit bureaus, and applicable parties or members.

Consequences of Inaccurate Data: Inaccurate or fraudulent submissions may result in immediate termination of the consultation process or rejection of your inquiry.

  1. Telephone Communications & TCPA Consent
    By providing your phone number on our online inquiry form, you expressly consent to receive communications—including phone calls, voicemails, and text messages (SMS/MMS)—from a financial consultant representing Apex Debt Strategies LLC regarding your inquiry at 407-784-7679 or through our automated notification channels.

Consent to receive communications is not a required condition for purchasing any service.

Standard message and data rates may apply depending on your wireless carrier.

You may opt out of receiving SMS communications at any time by replying STOP to any text message or calling 407-784-7679.

  1. No Legal or Tax Advice
    The information provided on the Site is for informational and educational purposes only and does not constitute legal, tax, or formal accounting advice. You should consult with a qualified attorney, certified public accountant (CPA), or licensed financial advisor regarding your specific legal or tax obligations before entering into any debt restructuring or settlement arrangement.
  2. Intellectual Property Rights
    All content, branding, logos, graphics, text, layout, software, and materials displayed on or accessible through the Site are the exclusive property of Apex Debt Strategies LLC or its licensors and are protected under United States and international copyright, trademark, and trade secret laws. You may not copy, reproduce, distribute, modify, create derivative works of, or republish any Site content without prior written permission from Apex Debt Strategies LLC.
  3. Prohibited Uses
    When using our Site, you agree not to:

Submit false, misleading, or fraudulent information regarding your identity, income, or financial obligations.

Use any automated device, spider, robot, or scraper to monitor, gather, or extract data from the Site without explicit permission.

Attempt to interfere with the proper functioning, security, or network infrastructure of the Site.

Use the Site for any unlawful purpose or in violation of state or federal laws, including the Michigan Limited Liability Company Act and applicable financial regulations.

  1. Disclaimer of Warranties
    THE SITE AND ALL CONTENTS, MATERIALS, AND INFORMATION PROVIDED THEREIN ARE DELIVERED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. APEX DEBT STRATEGIES LLC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SITE WILL OPERATE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
  2. Limitation of Liability
    TO THE FULLEST EXTENT PERMITTED BY LAW, APEX DEBT STRATEGIES LLC, ITS SOLE MEMBER (JAMILLAH LLOYD), OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE, INABILITY TO ACCESS THE SITE, OR RELIANCE UPON ANY INFORMATION PROVIDED THEREON. IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY EXCEED ONE HUNDRED DOLLARS ($100.00 USD).
  3. Governing Law & Jurisdiction
    These Terms shall be governed by, construed, and enforced in accordance with the laws of the State of Michigan, without giving effect to its conflict of law principles. Any legal action, suit, or proceeding arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Wayne County, Michigan.
  4. Modifications to Terms
    Apex Debt Strategies LLC reserves the right to modify, update, or revise these Terms at any time without prior notice. Any changes will become effective immediately upon posting to the Site. Your continued use of the Site following the posting of updated Terms constitutes your binding acceptance of such changes.
  5. Severability
    If any provision of these Terms is found to be invalid, illegal, or unenforceable under Michigan law or federal regulations, such provision shall be severed from the remaining provisions, which shall continue in full force and effect.