These Terms of Service ("Terms") govern your use of the Lionel Group Strategies website, client portal, consultations, educational resources, and related services.
By accessing our website, scheduling a consultation, purchasing services, or using our client portal, you agree to these Terms.
1. Company Information
Lionel Group Strategies ("Company," "we," "our," or "us") is a financial strategy and credit services company that provides:
- credit-related consulting
- financial education
- credit report analysis
- dispute assistance
- strategic financial guidance
- client communication and document management tools
- onboarding and consultation services
Lionel Group Strategies is not a law firm, lender, credit bureau, debt collector, or financial institution.
2. Eligibility
By using our services, you confirm that:
- you are at least 18 years old
- you are legally able to enter binding agreements
- all information provided is accurate and truthful
- you are authorized to provide any documents submitted to us
We reserve the right to refuse service, terminate accounts, or discontinue services if false, misleading, fraudulent, abusive, or incomplete information is provided.
3. No Guaranteed Results
Lionel Group Strategies does not guarantee:
- specific credit score increases
- approval for financing
- loan approvals
- deletions of negative items
- specific timelines
- removal of accurate information
- overnight or immediate results
Credit restoration and financial positioning are strategic processes that vary based on:
- individual credit history
- creditor reporting
- client participation
- response timelines from third parties
- legal and regulatory factors
All services are provided on a best-effort basis.
4. Educational & Strategic Services
Our services are intended to provide:
- educational guidance
- strategic recommendations
- organizational assistance
- credit report analysis
- dispute support
- financial habit coaching
- consultation services
Clients remain responsible for:
- reviewing their own credit reports
- maintaining timely payments
- managing financial obligations
- verifying submitted information
- following financial recommendations
Lionel Group Strategies does not make decisions on behalf of creditors, lenders, bureaus, or financial institutions.
5. Audit & Education Package
All new clients begin with a required Audit & Education Package.
The audit includes:
- consultation
- financial review
- document analysis
- educational guidance
- strategic planning
- onboarding evaluation
The audit fee is not payment for credit repair services themselves.
Any membership pricing, monitoring requirements, or promotional adjustments are subject to current written service terms.
Audit fees are generally non-refundable once services have begun, consultations are completed, or analysis work has started.
6. Membership Services
Lionel Group Strategies may offer multiple service tiers.
Membership benefits, pricing, communication frequency, strategic support, and included services may vary by tier.
We reserve the right to:
- modify tier structures
- update pricing
- revise features
- discontinue plans
- limit availability of certain plans
Any changes will not retroactively affect active agreements already in force unless otherwise stated.
7. Client Responsibilities
Clients agree to:
- provide accurate information
- upload requested documents promptly
- communicate honestly
- review notices and communications
- maintain active payment methods
- participate in the process responsibly
- avoid submitting fraudulent disputes
Clients understand that credit restoration is a partnership and that their own financial habits directly impact outcomes.
Failure to cooperate may delay or negatively affect services.
8. Communication Policy
Lionel Group Strategies may communicate through:
- SMS/text messaging
- phone calls
- client portal notifications
- Zoom meetings
- automated systems
By using our services, you consent to receiving communications related to:
- account activity
- scheduling
- billing
- service updates
- educational materials
- support responses
Message and data rates may apply.
Clients may opt out of marketing communications at any time.
9. Scheduling & Appointments
Consultations are scheduled in designated time blocks.
Clients are responsible for:
- attending scheduled sessions
- arriving on time
- submitting requested documentation before meetings
Missed appointments, repeated no-shows, or excessive rescheduling may result in:
- delayed services
- cancellation fees
- termination of services
Lionel Group Strategies reserves the right to reschedule appointments when necessary.
10. Billing & Payments
Payments are processed securely through third-party payment processors.
By enrolling in recurring services, clients authorize recurring billing according to their selected plan.
Clients are responsible for:
- maintaining valid payment methods
- ensuring sufficient funds
- reviewing invoices and billing notices
Failed payments may result in:
- paused services
- restricted portal access
- account suspension
- cancellation
We reserve the right to charge reasonable late fees where permitted by law.
11. Refund Policy
Lionel Group Strategies values transparency, communication, and client satisfaction.
Refund requests are evaluated fairly and in good faith.
Refund eligibility may depend on:
- services already rendered
- completed consultations
- completed strategic work
- document review completion
- dispute processing already initiated
We encourage clients to communicate concerns promptly so issues may be addressed professionally.
Chargebacks filed without first attempting resolution may result in account termination and supporting documentation being provided to the payment processor.
12. Client Portal & Technology
Clients may receive access to a secure client portal.
Portal features may include:
- account updates
- status tracking
- messaging
- scheduling
- billing access
- educational materials
- document uploads
We strive to maintain platform availability but do not guarantee uninterrupted access.
Temporary outages, maintenance periods, software updates, and third-party interruptions may occur.
Clients are responsible for maintaining the confidentiality of their login credentials.
13. Third-Party Services
Our systems may integrate with third-party services, including but not limited to:
- payment processors
- scheduling systems
- document providers
- messaging services
- credit-related platforms
- analytics providers
Lionel Group Strategies is not responsible for outages, errors, or actions caused by third-party providers.
Use of third-party services may also be governed by those providers' own terms and policies.
14. Intellectual Property
All website content, branding, systems, educational materials, graphics, workflows, portal designs, and written content are the property of Lionel Group Strategies unless otherwise stated.
Clients may not:
- reproduce
- redistribute
- resell
- copy
- modify
- exploit
any materials without written permission.
15. Acceptable Use
Clients and visitors may not:
- abuse support staff
- harass employees or representatives
- submit fraudulent information
- attempt unauthorized system access
- upload malicious software
- misuse the platform
- interfere with operations
Violation of these rules may result in immediate termination of services.
16. Limitation of Liability
To the fullest extent permitted by law, Lionel Group Strategies shall not be liable for:
- indirect damages
- consequential damages
- lost profits
- financing denials
- credit score fluctuations
- decisions made by lenders or bureaus
- delays caused by third parties
- inaccurate information supplied by clients
All services are provided "as is" and "as available."
17. Indemnification
Clients agree to indemnify and hold harmless Lionel Group Strategies, its owners, contractors, employees, and affiliates from claims arising out of:
- misuse of services
- false information submitted
- violation of laws
- breach of these Terms
18. Termination
Lionel Group Strategies reserves the right to terminate services or portal access for:
- abusive behavior
- fraud
- non-payment
- excessive chargebacks
- failure to cooperate
- violations of these Terms
Clients may cancel services according to the cancellation procedures outlined in their service agreement.
19. Privacy
Use of our services is also governed by our Privacy Policy.
Clients acknowledge that financial and personal information may be collected, stored, and processed for operational purposes.
Reasonable safeguards are used to protect client data.
20. Compliance Disclaimer
Lionel Group Strategies operates in accordance with applicable laws and regulations governing financial consulting and credit-related services.
Nothing on this website or within our services should be interpreted as:
- legal advice
- tax advice
- guaranteed financial outcomes
- guaranteed credit score increases
Clients should consult licensed professionals when appropriate.
21. Modifications to Terms
Lionel Group Strategies reserves the right to update or modify these Terms at any time.
Updated versions will be posted on the website with a revised effective date.
Continued use of services after changes constitutes acceptance of the revised Terms.
22. Governing Law
These Terms shall be governed by and interpreted under the laws of the State of Connecticut, without regard to conflict of law principles.
Any disputes arising from these Terms or services shall be resolved in the appropriate courts located within Connecticut.
23. Contact Information
Lionel Group Strategies
36 Russ Street, 3rd Floor Hartford CT 06106
Business mailing address only. Lionel Group Strategies does not accept in-person visits at this location.
Website: lionelgroupstrategies.com
General questions: hello@lionelgroupstrategies.com
Policy and compliance questions: compliance@lionelgroupstrategies.com
Phone: (203) 856-8005