Terms & Conditions

Effective Date: April 3, 2026
Last Updated: April 10, 2026

Welcome to Charm City Credit DBA Charm City Consulting. By accessing or using our website or requesting our consulting and guidance services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our website or engaging our services.

1. Use of Our Website

By using this website, you confirm that you are at least 18 years of age or the age of legal majority in your jurisdiction, and that you agree to comply with all applicable laws and regulations.

You agree not to use this website for any unlawful, fraudulent, misleading, or unauthorized purpose. Any misuse of the website may result in restriction or termination of access to our services.

2. Guidance and Consulting Services

Charm City Credit DBA Charm City Consulting provides consulting, guidance, educational information, and related support based on the services offered by the company.

Information provided through our website or services is intended to provide general guidance and educational support. Unless expressly stated otherwise, our services do not constitute legal, tax, accounting, investment, lending, or other regulated professional advice.

You are responsible for evaluating your own circumstances and making your own decisions. Where appropriate, you should seek advice from a qualified professional regarding your specific legal, tax, investment, or other personal situation.

3. SMS Program Description

Charm City Credit DBA Charm City Consulting offers SMS messaging services that may include:

Consultation confirmations and scheduling updates
Customer support and service communications
Appointment reminders
Follow-up communications related to requested services
Guidance service updates
Promotional or educational updates, where consent is provided

4. SMS Communications & Consent

By providing your mobile phone number and opting in, you expressly consent to receive automated and non-automated SMS messages from Charm City Credit DBA Charm City Consulting, including but not limited to:

Consultation reminders and confirmations
Appointment scheduling and updates
Customer support communications
Follow-up messages related to requested services
Guidance service updates
Promotional or educational messages, where separately opted in

Message Frequency: Message frequency may vary depending on your interactions with our business.

Message & Data Rates: Standard message and data rates may apply depending on your mobile carrier.

Opt-Out: You may opt out at any time by replying STOP to any SMS message.

Help: Reply HELP for assistance.

Consent Not Required for Purchase: Consent to receive SMS messages is not a condition of purchasing any goods or services from Charm City Consulting.

5. Sharing of Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with trusted service providers only as necessary to operate our business, including appointment scheduling systems, customer support platforms, customer relationship management systems, website hosting providers, and SMS delivery providers.

All categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties except aggregators and providers of SMS services.

6. Intellectual Property

All content on this website, including text, images, logos, graphics, service descriptions, educational materials, and design elements, is the property of Charm City Credit DBA Charm City Consulting or its licensors and is protected under applicable copyright and intellectual property laws.

You may not reproduce, distribute, modify, publish, or exploit any content from this website without prior written permission.

7. Disclaimer of Warranties

All information, content, and services provided through this website are offered on an "as is" and "as available" basis.

We make no warranties or guarantees regarding the availability, accuracy, completeness, or reliability of the website or services.

While Charm City Credit DBA Charm City Consulting strives to provide useful and practical guidance, no specific outcome or result is guaranteed. Individual results may vary depending on personal circumstances, decisions, actions, and other factors.

8. Limitation of Liability

To the fullest extent permitted by law, Charm City Credit DBA Charm City Consulting shall not be liable for any indirect, incidental, special, consequential, or other damages arising from the use of, or inability to use, our website or services.

This includes, but is not limited to, reliance on general information provided through the website, service interruptions, communication delays, or decisions made by users based on information obtained through our website or services.

9. Governing Law

These Terms and Conditions are governed by and construed in accordance with applicable laws of the United States and the applicable laws of the jurisdiction in which Charm City Credit DBA Charm City Consulting operates.

Any disputes arising from the use of this website or services shall be subject to applicable federal and state laws.

10. Privacy Policy

Your use of our SMS services and website is also governed by our Privacy Policy. By opting into our SMS program or using our services, you acknowledge and agree to the collection and use of information as described in our Privacy Policy.

11. Modifications to Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice.

Any changes will be posted on this page with an updated "Last Updated" date. Continued use of our website or services after such changes constitutes acceptance of the revised Terms.

12. Contact Information

If you have any questions regarding these Terms and Conditions, please contact us:

Charm City Credit DBA Charm City Consulting
Phone: 410-504-7898
Address: 201 International Cir Ste 230, Hunt Valley, MD 21093
Email: customercare@charmcitycredit.com
Website: www.charmcityconsulting.com