Byte First Management LLC – Terms & Conditions

Terms & Conditions

Effective Date: 16 May 2025

1. Acceptance of These Terms

By accessing or using any products, courses, coaching programs, downloads, or other services (“Services”) offered by Byte First Management LLC (“we,” “us,” “our”), you (“you,” “Client,” or “User”) agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, you must not use the Services.

2. Nature of the Services

  1. Our programs provide educational content, coaching, and tools to help you understand and manage your own credit and finances.

  2. We do not perform credit‐repair services, dispute items on your behalf, negotiate with creditors, or guarantee any specific credit score increase.

  3. We are not a Credit Repair Organization as defined under the U.S. Credit Repair Organizations Act (“CROA”) and do not advertise or provide such services.

3. Eligibility

You must be at least 18 years old and legally capable of entering a binding contract. By using the Services, you represent that you meet these criteria.

4. Educational Use Only — No Professional Advice

Content is for informational and educational purposes only and should not be construed as legal, tax, or investment advice. Consult qualified professionals before making financial decisions.

5. Payment Terms

  1. Pay-as-you-go or post-service billing: We do not charge up-front “results” fees. Subscription or installment plans are billed at the start of each coaching period.

  2. Authorization: By providing a payment method, you authorize us and our payment processor to charge all applicable fees and taxes.

  3. Chargebacks: You agree to contact us first to resolve any billing issue before initiating a chargeback.

6. Refund & Cancellation Policy

  1. Three-Day Right to Cancel: You may cancel in writing within three (3) business days of purchase for a full refund.

  2. After the three-day period, unused months in a prepaid coaching package are refundable at our sole discretion, minus any materials already delivered.

  3. Downloadable products and completed coaching sessions are non-refundable.

7. Results Disclaimer

Individual outcomes depend on personal effort, credit history, and external factors outside our control. We make no guarantees that you will achieve any particular credit score, funding amount, or financial result.

8. User Responsibilities

You agree to:

  • Provide accurate information.

  • Complete recommended assignments and supply requested documentation on time.

  • Comply with all applicable laws and regulations, including CROA and the Telemarketing Sales Rule (“TSR”) where relevant.

9. Intellectual Property

All course materials, videos, templates, and trademarks remain our exclusive property. You receive a non-exclusive, non-transferable license for personal use only. Republishing or resale is prohibited without written consent.

10. Confidentiality & Privacy

We collect, use, and protect personal data in accordance with our Privacy Policy. Both parties agree to keep any non-public information shared during coaching confidential.

11. Third-Party Services

Links to third-party sites or tools are provided for convenience. We are not responsible for their content, policies, or services.

12. Limitation of Liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Services.

13. Indemnification

You agree to indemnify and hold harmless Byte First Management LLC, its officers, and employees from any claim or demand arising out of your breach of these Terms or misuse of the Services.

14. Termination

We may suspend or terminate your access for any material breach of these Terms. Upon termination, outstanding fees remain due and sections intended to survive (e.g., Intellectual Property, Limitation of Liability) will continue in effect.

15. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Commonwealth of Virginia, USA, without regard to conflict-of-law principles. Any dispute shall be resolved through binding arbitration in Fairfax County, Virginia, except that either party may seek injunctive relief in a court of competent jurisdiction.

16. Changes to These Terms

We may revise these Terms at any time by posting an updated version on our website. Continued use of the Services after changes constitute acceptance of the new Terms.

17. Contact

For questions about these Terms, billing, or compliance, contact:

Byte First Management LLC
8280 Willow Oaks Corporate Drive, Suite 600
Fairfax, VA 22031
+1 (888) 848-6827
llc@bytefirstmanagement.com

Last updated: 16 May 2025