Terms of Service
KBCG
Effective Date: May 21, 2026
Welcome to Kiss Bad Credit Goodbye (KBCG LLC).
By accessing this website or purchasing our services, you agree to the following Terms of Service.
1. Services
KBCG LLC provides credit consulting, educational resources, credit restoration assistance, and related financial wellness services. Results may vary based on each individual consumer profile, creditor reporting practices, and compliance with requested documentation requirements.
We do not guarantee specific credit score increases, deletions, approvals, or financial outcomes.
2. Eligibility
By using this website and our services, you confirm that:
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You are at least 18 years old
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You are legally authorized to enter into agreements
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The information you provide is accurate and truthful
3. Enrollment & Payments
Clients may enroll directly through our website.
By purchasing services, you authorize KBCG LLC to charge the payment method provided for agreed-upon services and recurring payments where applicable. Failure to make payments may result in suspension or termination of services.
4. Refund Policy
Clients may request a refund within seventy-two (72) hours of enrollment. Refund requests submitted after the 72-hour period may not qualify for reimbursement.
Refund requests must be submitted in writing to: clientsupport@kissbadcreditgoodbye.info
5. SMS & Communication Consent
By submitting your phone number through our website, forms, or enrollment process, you consent to receive:
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Service-related communications
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Account updates
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Appointment reminders
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Promotional and marketing text messages
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Customer support communications
Message frequency may vary. Message and data rates may apply.
You may opt out of SMS communications at any time by replying:
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STOP to cancel
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HELP for assistance
Consent to receive text messages is not a condition of purchase.
6. Intellectual Property
All website content, branding, graphics, educational materials, text, logos, and service materials are the property of KBCG LLC and may not be copied, reproduced, distributed, or used without written permission.
7. Limitation of Liability
KBCG LLC shall not be liable for:
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Credit decisions made by lenders
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Changes to consumer credit scores
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Reporting actions by credit bureaus or furnishers
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Indirect, incidental, or consequential damages arising from use of our services or website
8. User Responsibilities
Clients agree to:
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Provide accurate information
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Respond to requests for documentation in a timely manner
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Avoid fraudulent or misleading submissions
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Use the website lawfully
9. Termination
We reserve the right to refuse or terminate services for:
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Fraudulent activity
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Abuse or harassment
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Violation of these Terms
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Nonpayment
10. Governing Law
These Terms shall be governed by the laws of the State of Georgia.
Privacy Policy
KBCG values your privacy and is committed to protecting your personal information.
1. We may collect:
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Name
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Email address
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Phone number
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Mailing address
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Payment information
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Credit-related information voluntarily submitted by clients
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Website usage information and analytics
2. How We Use Information
We use collected information to:
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Provide services
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Process enrollments and payments
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Communicate with clients
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Send updates and promotional messages
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Improve website functionality and customer experience
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Maintain legal and regulatory compliance
3. SMS & Mobile Information
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Text messaging originator opt-in data and consent information will not be shared with any third parties.
4. Cookies & Tracking
Our website may use cookies and analytics tools to improve functionality, user experience, and advertising performance.
Users may disable cookies through their browser settings.
5. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, or misuse.
6. Third-Party Services
We may use third-party providers for:
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Payment processing
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CRM systems
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SMS delivery
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Website hosting
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Analytics