Disclaimers

Last Updated: July 16, 2025

At Be Whole Financial, we are committed to providing educational and advisory services that empower consumers to better understand and manage their credit. However, it is important that all visitors, leads, clients, and participants fully understand the limitations, legal boundaries, and expectations surrounding the use of our services.

By using our website or engaging with our programs, consultations, or educational resources, you acknowledge and agree to the following:

1. No Guarantees of Results

Be Whole Financial does not guarantee:

  • Specific credit score increases.

  • Deletion of any specific item(s) from your credit report.

  • Approval for credit cards, loans, mortgages, or other financial products.

  • Any particular outcome within a set period of time.

Any examples, case studies, timelines, or testimonials shared on this site or during a consultation are for illustrative and educational purposes only and are not promises or forecasts of your individual results.

2. Educational & Advisory-Only Services

We provide credit education, financial wellness coaching, and consumer advocacy services. We do not:

  • Write or file disputes on your behalf.

  • Represent you to credit bureaus or creditors.

  • Guarantee legal remedies or changes to your credit reports.

All tools, templates, and consultations are intended for DIY (do-it-yourself) use by you as the consumer. You are solely responsible for how you choose to act on any information provided.

3. CROA & FTC Compliance Statement

Be Whole Financial operates in full compliance with the Credit Repair Organizations Act (CROA) and Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive practices.

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for up to 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee if you have been turned down for credit, insurance, employment, or rental housing because of information in your credit report within the last 60 days.

You have a right to receive a free copy of your credit report if you are unemployed and intend to apply for employment within 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you sign it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

In accordance with these laws:

  • We do not charge upfront fees for credit repair services.

  • We do not advise clients to mislead or falsify information on credit applications.

  • We do not make false or misleading statements about the services we offer.

  • You have the right to cancel any agreement with us for credit advisory services within three business days (72 hours) of signing without penalty.

You may review the full CROA law here:
👉 https://www.ftc.gov/legal-library/browse/statutes/credit-repair-organizations-act

3.1 - A Consumers Right To Cancel Credit Repair Services:

You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date you sign it.

To cancel this agreement, mail or deliver a signed and dated notice to:

[Insert Business Name]
[Insert Business Address]
[Insert Email Address]
[Insert Phone Number]

I hereby cancel this contract.
Signature: _________________________
Date: _____________________________

4. Ohio Compliance & Disclosures

Be Whole Financial is based in Ohio and operates in accordance with Ohio Revised Code Section 4712, which governs Credit Services Organizations (CSOs).

Per Ohio law:

  • We do not provide services that require state licensure unless properly registered.

  • We do not collect fees for unperformed services.

  • All contracts are offered with clear, written disclosure of your consumer rights, and services are only rendered with informed, signed consent.

For more information on Ohio consumer protection laws:
👉 https://www.ohioattorneygeneral.gov

5. No Legal or Financial Advice

The information provided through our website, consultations, documents, or downloads is not legal, tax, investment, or credit repair advice and should not be construed as such.

Always consult a licensed attorney, certified financial planner, or accredited credit counselor if you require legal representation or financial advice for your specific situation.

6. User Responsibility

By engaging with Be Whole Financial, you acknowledge that:

  • You are responsible for your own credit decisions and actions.

  • You understand the risks and responsibilities involved in taking financial or credit-related steps.

  • You release Be Whole Financial and Kelly Armstrong from liability for any outcomes resulting from your personal decisions, use of our tools, or reliance on our content.

7. Contact Us

If you have questions or concerns about this disclaimer or our services, contact:

Be Whole Financial
📧 Kelly@BeWholeEnt.com
🌐 www.BeWholeFinancial.com