Terms of Service

Our website and services are intended for individuals who are at least 18 years of age.

By accessing this website, submitting an application, or requesting services, you represent that you are at least 18 years old and have the legal capacity to enter into binding agreements. Individuals under 18 should not submit personal information or apply for services through this website.

Doers Wealth Strategy provides credit education, credit analysis, personalized credit consulting, and applicable credit restoration assistance. Our services are designed to help consumers better understand their credit reports, identify potential reporting inaccuracies, learn responsible credit management practices, and develop strategies aligned with their financial goals.

Our educational content may also address credit utilization, collections, credit reporting, consumer rights, homeownership preparation, and financial readiness. DWS is not a credit bureau, lender, mortgage lender, law firm, or government agency. We do not issue credit, approve loans, or make lending decisions.

All information provided on this website, including articles, guides, blog posts, educational materials, and interactive resources, is intended for general informational and educational purposes. Website content does not constitute individualized legal, tax, investment, mortgage, or other regulated professional advice.

Although we make reasonable efforts to provide accurate and useful information, laws, credit reporting practices, and financial circumstances may change. Visitors are responsible for evaluating information in light of their individual circumstances and consulting appropriately qualified professionals when necessary. Accessing educational content does not establish a client relationship with DWS.

DWS may provide services involving credit report review and analysis; identification of potential credit-reporting inaccuracies; consumer credit education; personalized credit strategy recommendations; assistance with applicable credit reporting disputes; guidance regarding credit utilization and responsible credit management; and education relating to financial preparedness.

The scope of services provided to an individual client will be described in a separate written service agreement. Not all services are appropriate for every consumer, and submitting an application does not guarantee acceptance. DWS reserves the right to decline prospective engagements for legitimate business, compliance, or operational reasons, consistent with applicable law.

Visitors may submit a Credit Strategy Assessment or other inquiry through our website. By submitting a form, you agree to provide accurate, current, and complete information to the best of your knowledge.

Submitting an assessment does not establish a client relationship, guarantee acceptance into a service program, authorize DWS to access your credit reports, authorize DWS to begin credit restoration services, or guarantee any particular credit outcome. DWS generally aims to review new inquiries and communicate next steps within 24–48 hours. This timeframe refers to the initial inquiry review and communication process, not the completion of a credit audit or credit restoration service. Response times may vary during weekends, holidays, or periods of increased inquiry volume.

Before providing credit restoration services, DWS will provide applicable written agreements and legally required disclosures. Where the federal Credit Repair Organizations Act ("CROA") applies, clients will receive the disclosures and contractual protections required by law. These include applicable cancellation rights and a written contract describing the services to be performed, payment terms, and other required information.

DWS will not begin services before the expiration of any legally required waiting period. Clients retain all rights granted under applicable federal and state consumer protection laws. These website Terms do not replace, modify, or waive the requirements of a separate credit services agreement. If these Terms conflict with mandatory consumer protection laws, those laws control.

Consumers have the right to dispute inaccurate or incomplete information appearing on their credit reports directly with consumer reporting agencies. Consumers are not required to hire a credit restoration company to exercise these rights.

Accurate, current, and verifiable negative credit information generally cannot be required to be removed solely because it negatively affects a consumer's credit profile. DWS does not encourage consumers to submit false information, create fictitious identities, or dispute information they know to be accurate without a legitimate basis. Our services focus on lawful credit education, reporting accuracy, and applicable consumer rights.

Credit outcomes depend on individual circumstances and numerous factors outside DWS's control. DWS does not guarantee specific credit score increases; removal of particular credit accounts; deletion of accurate and verifiable negative information; approval for credit cards, loans, mortgages, or financing; specific interest rates or credit limits; particular credit reporting investigation outcomes; or results within a guaranteed timeframe.

Any educational examples, testimonials, or client results displayed on our website are not guarantees that other consumers will experience similar outcomes. Individual results vary.

Certain DWS services may require clients to maintain active credit monitoring through an approved or compatible third-party provider. Applicable requirements will be explained during onboarding.

Clients may be responsible for completing required agreements; providing accurate personal information; submitting requested documentation; maintaining required credit monitoring access; reviewing credit-related correspondence; communicating regarding relevant account changes; following applicable service instructions; and making payments according to their agreement. Credit monitoring subscriptions may be provided by independent third-party companies and may involve separate subscription charges, terms, and cancellation procedures. DWS is not responsible for third-party subscription charges or service interruptions outside its control, except as required by applicable law or expressly agreed in writing.

Fees for DWS services will be disclosed before a client enters into the applicable service agreement. Depending on the service, charges may include fees for completed credit analysis, consulting, or other contracted services. DWS will not charge or receive payment for credit repair services before those services have been fully performed, as required by applicable federal law.

Any billing arrangements must comply with applicable federal and state requirements. Invoices, payment deadlines, and billing terms will be described in the applicable service agreement or invoice. Payment processing may be handled through authorized third-party providers. Clients are responsible for reviewing their invoices and communicating promptly regarding billing questions.

If an invoice remains unpaid after its due date, DWS may issue payment reminders and, where permitted by the applicable agreement and law, pause future services until the account is brought current. A service pause may delay future credit consulting activities, document preparation, correspondence, or other contracted work.

DWS will not impose undisclosed fees or penalties. Any suspension or termination of services will be handled according to the applicable service agreement and consumer protection requirements.

Consumers have cancellation rights under applicable federal and state laws. Where CROA applies, consumers have the right to cancel a credit repair services contract without penalty or obligation before midnight of the third business day after the date the contract is signed. DWS will provide the required cancellation notice and instructions in the applicable written agreement.

Additional cancellation or refund rights may apply under Texas law or other applicable consumer protection laws. Clients seeking to cancel services should follow the cancellation instructions contained in their service agreement. Nothing in these Terms limits statutory cancellation rights or authorizes charges prohibited by law.

Doers Wealth Strategy offers SMS communications to individuals who provide the appropriate consent or otherwise request communications where legally permitted. Program Name: Doers Wealth Strategy SMS Communications. Program Operator: Doers Wealth Partners LLC, doing business as Doers Wealth Strategy.

Depending on your relationship with DWS and your communication preferences, messages may include responses to service inquiries; appointment confirmations and reminders; onboarding instructions; credit monitoring reminders; account and billing notifications; client service updates; educational information; and promotional offers and marketing communications, where separately authorized. Message frequency varies based on your inquiry, service activity, and communication preferences. Message and data rates may apply according to your wireless carrier and mobile plan.

You may opt out of SMS communications at any time by replying STOP to a message. After your opt-out request is processed, you may receive a final confirmation message. To resume receiving messages, you must provide valid consent again where required. Reply HELP to a DWS text message for assistance. You may also contact us by email or phone. Mobile carriers are not responsible for delayed or undelivered messages.

Consent to receive promotional or marketing SMS messages is voluntary and is not required as a condition of purchasing services. Where required, DWS obtains appropriate consent before sending automated marketing messages. No mobile information will be shared with third parties or affiliates for their own marketing or promotional purposes. Information may be shared with service providers and subcontractors supporting legitimate business operations, including customer service and message delivery. Text messaging originator opt-in data and consent will not be shared with third parties for their own marketing or promotional purposes. For more information, review our Privacy Policy.

DWS may communicate with website visitors, applicants, and clients through email. Communications may include responses to inquiries, application updates, appointment reminders, service notifications, educational information, billing notices, and marketing communications where permitted by law.

You may unsubscribe from promotional emails using the unsubscribe instructions included in those messages. Unsubscribing from promotional communications does not necessarily prevent essential account or service-related communications.

DWS respects the privacy of website visitors and clients. We may collect personal information necessary to respond to inquiries, provide authorized services, maintain business records, and communicate with clients. Information collected through our website is handled according to our Privacy Policy.

Visitors should not submit Social Security numbers, credit monitoring passwords, complete payment card information, or other highly sensitive information through ordinary contact forms. Sensitive client information should be submitted only through designated secure onboarding systems.

Our website uses or may use cookies, analytics tools, and similar technologies to support website functionality, evaluate performance, and improve the visitor experience. These technologies may include Google Analytics, Meta Pixel (if enabled), advertising conversion tracking, website performance tools, session recording or interaction analytics (if enabled), and essential website cookies.

Some third-party technologies may collect information regarding website visits, devices, interactions, or referral sources. DWS will provide applicable privacy notices and implement required consent or opt-out mechanisms based on the technologies used and applicable law. For additional details, including available privacy choices, please review our Privacy Policy.

DWS may provide credit simulators, calculators, assessments, and other educational tools. These resources are intended to help visitors understand potential credit-related scenarios.

Any estimates, projections, or simulated results are informational and may not reflect actual credit bureau scoring models, lender decisions, or future credit outcomes. DWS does not guarantee the accuracy of predictions generated by third-party tools. Visitors should not interpret simulated results as promises of credit approval, score improvement, or financial outcomes.

Unless otherwise stated, the DWS website, company branding, logos, original educational content, graphics, written materials, and digital resources are owned by DWS or used with appropriate authorization. Visitors may access publicly available content for lawful personal and educational purposes.

You may not reproduce, distribute, resell, modify, or commercially exploit protected materials without written authorization, except as permitted by law. The Doers Wealth Strategy name, logo, and associated branding may not be used in a manner that falsely suggests affiliation, endorsement, or authorization.

By using this website, you agree not to engage in fraudulent or unlawful activity; provide intentionally false information; attempt unauthorized access to website systems; interfere with website security; distribute malware or harmful code; misrepresent your identity; use automated systems to disrupt website operations; or infringe intellectual property rights.

DWS may restrict access or take appropriate action where necessary to protect its website, users, or legitimate business interests.

DWS may use or link to third-party platforms, including customer relationship management and communications platforms, credit service administration platforms, billing and accounting providers, credit monitoring providers, website analytics and advertising providers, and other authorized operational service providers.

These third parties may operate under their own terms, privacy policies, and security practices. DWS does not control all aspects of third-party platforms. Users should review applicable third-party terms before providing information or purchasing subscriptions. Nothing in this section eliminates DWS's legal responsibilities for its own activities or for matters for which it remains responsible under applicable law.

We make reasonable efforts to maintain website functionality and provide accurate information. However, website features may occasionally be unavailable due to maintenance, technical issues, service provider interruptions, or circumstances outside our control. We may modify website content, design, or functionality without prior notice, except where notice is required by law.

To the extent permitted by applicable law, DWS is not liable for losses arising solely from reliance on general educational website content, interruptions of website access, or unauthorized activities outside its reasonable control.

Nothing in these Terms excludes liability for fraud, willful misconduct, statutory violations, or other matters that cannot legally be excluded. Nothing in these Terms waives or limits rights available to consumers under CROA, the Fair Credit Reporting Act, Texas consumer protection laws, or other applicable statutes.

DWS may update these Terms to reflect changes in website functionality, business operations, applicable laws, or service practices. The effective date and last updated date will reflect the current published version. Where required by law, material changes will be communicated through appropriate notice. Continued use of the website following the effective date of revised Terms constitutes acceptance to the extent permitted by law. Changes to separate client service agreements will be governed by those agreements and applicable legal requirements.

These Terms are generally governed by the laws of the State of Texas, except where applicable federal law or mandatory consumer protection laws require otherwise. Nothing in this section limits a consumer's right to pursue remedies available under applicable law.