1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and Silverback Consulting Group LLC (“Company,” “we,” “us,” or “our”). By accessing our website at silverbackconsultinggroup.com, contacting us, or engaging our services, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our website or services. We reserve the right to update these Terms at any time, and your continued use constitutes acceptance of any changes.

2. Description of Services

Silverback Consulting Group LLC provides financial consulting services to individuals and business owners. Our services include but are not limited to:

• Credit & Debt Consulting: Financial profile analysis, score-building strategy, debt reconstruction consultation, and tradeline advisory services
• Funding & Entity Structuring: Business and personal funding assistance, LLC formation, entity structuring, and EIN registration
• Insurance & Wealth Protection: Life insurance planning, mortgage protection insurance, and infinite banking consultation
• Tax Strategy & Planning: Tax preparation, planning, and strategy for individuals and business owners

All services are subject to a separate service agreement or engagement letter that outlines the specific scope, fees, and terms applicable to your engagement.

3. No Guarantee of Results

Any examples of results shared on our website or in marketing materials represent the experiences of specific clients and are not a guarantee that you will achieve similar results. Past performance is not indicative of future results.

We will perform all agreed-upon services with professional care and in accordance with industry best practices. However, we make no warranties, express or implied, regarding the outcome of our services.

4. Client Responsibilities

To receive our services, you agree to:

• Provide accurate, complete, and truthful information when requested
• Respond to communications from our team in a timely manner
• Pay all agreed-upon fees according to your service agreement
• Notify us promptly of any changes to your financial situation that may affect our services
• Not engage in any fraudulent, illegal, or deceptive activities in connection with our services
• Review and sign all required service agreements before work begins

Failure to fulfill your responsibilities may result in delays, reduced effectiveness of services, or termination of your engagement at our discretion.

5. Fees & Payment Terms

General Payment Terms

Fees for our services are outlined in your individual service agreement. Payment terms vary by service type and are as follows unless otherwise specified in your agreement:

• Credit & Debt Consulting: Monthly retainer as specified in your enrollment agreement
• LLC Formation: One-time fee of $499 due prior to filing
• Business Funding: 10% backend fee due only upon successful funding approval — no upfront fees
• Credit Card Liquidation: 6% of total amount liquidated, due upon completion
• Tax Services: Fee based on complexity, due prior to filing

Refund Policy

All fees are non-refundable once work has commenced unless otherwise specified in your service agreement. If we are unable to perform the agreed-upon services due to circumstances within our control, we will provide a pro-rated refund for work not yet performed.

Late Payments

Late or missed payments may result in suspension or termination of services. We reserve the right to charge a late fee of up to 1.5% per month on overdue balances.

6. SMS Communications Terms

Consent

By providing your phone number and opting in to receive SMS communications from Silverback Consulting Group, you consent to receive automated and non-automated text messages from us. These messages may include appointment reminders, service updates, client onboarding information, and general communications related to your engagement.

Message Frequency & Rates

Message frequency varies. You may receive up to 4–6 messages per month. Message and data rates may apply. You are responsible for any charges from your mobile carrier.

Opting Out

You may opt out of SMS communications at any time by replying STOP to any message. After opting out, you will receive one final confirmation message. You can opt back in at any time by contacting us directly.

No Third-Party Sharing

Your mobile number will not be shared with or sold to third parties for marketing purposes. It is used solely to communicate with you about your services with Silverback Consulting Group.

7. Confidentiality

We understand that you may share sensitive financial and personal information with us in the course of our engagement. We treat all client information as strictly confidential and will not disclose your information to third parties except as necessary to perform our services, as required by law, or as outlined in our Privacy Policy.

By engaging our services, you acknowledge that we may need to share limited information with third-party service providers (such as credit bureaus, lenders, or government agencies) as a necessary part of delivering our services. We will always seek your consent before making any disclosure not directly required for service delivery.

8. Intellectual Property

All content on our website including text, graphics, logos, images, and software is the property of Silverback Consulting Group LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Silverback Consulting Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of income, loss of profits, loss of business, or loss of data, arising out of or in connection with our services or these Terms.

Our total liability to you for any claim arising out of or related to our services shall not exceed the total amount paid by you to us in the three (3) months preceding the claim.

10. Disclaimer of Warranties

Our services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that our services will meet your specific requirements, that results will be achieved within any particular time frame, or that any particular outcome will be achieved.

11. Indemnification

You agree to indemnify, defend, and hold harmless Silverback Consulting Group LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any false or inaccurate information you provide to us

12. Termination

Either party may terminate a service engagement at any time with written notice. Upon termination:

• All outstanding fees become immediately due and payable
• We will provide you with any documents or files related to your case that are in our possession
• We will cease all active work on your behalf
• Confidentiality obligations survive termination indefinitely

We reserve the right to terminate your engagement immediately and without notice if we believe you have violated these Terms, provided false information, or engaged in fraudulent or illegal activity.

13. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions.

Any dispute arising out of or related to these Terms or our services shall first be addressed through good-faith negotiation. If the parties cannot resolve the dispute through negotiation, it shall be submitted to binding arbitration in Las Vegas, Nevada in accordance with the rules of the American Arbitration Association.

You waive any right to participate in a class action lawsuit or class-wide arbitration against Silverback Consulting Group LLC.

14. Entire Agreement

These Terms, together with our Privacy Policy and any applicable service agreements, constitute the entire agreement between you and Silverback Consulting Group LLC regarding our services and supersede all prior agreements, understandings, and representations.

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Us

If you have questions about these Terms of Service, please contact us: