TERMS OF SERVICE

1st Priority Consulting LLC

Effective Date: April 2026 | Last Updated: April 2026

Please read these Terms of Service ('Terms') carefully before using our website or services. By accessing our website at https://1stpriorityconsulting.org/ or engaging our services, you agree to be bound by these Terms.

1. Services Provided

1st Priority Consulting LLC provides financial consulting services including, but not limited to:

• Mortgage Readiness Audits and coaching

• Business credit building guidance

• Financial documentation preparation support

• Credit behavior coaching and milestone-based accountability

2. No Legal or Financial Advice Disclaimer

The information and services provided by 1st Priority Consulting LLC are for educational and consulting purposes only. We are not attorneys, licensed financial advisors, or credit repair organizations as defined under federal or state law. Nothing provided by us constitutes legal, financial, or investment advice. Results vary based on individual circumstances, and we make no guarantees of specific outcomes.

3. SMS Communications Consent

By submitting your phone number through our website forms and checking the consent checkbox, you expressly agree to receive text messages (SMS) from 1st Priority Consulting LLC. These messages may include appointment reminders, consultation follow-ups, and informational content. Message frequency varies. Standard message and data rates may apply.

To opt out at any time, reply STOP. To request support, reply HELP. Opting out will not affect your ability to receive services from us through other channels.

4. Payment and Refunds

Service fees, payment schedules, and refund policies are outlined in individual client agreements signed prior to the commencement of services. 1st Priority Consulting LLC reserves the right to modify service offerings and pricing at any time, with reasonable notice to existing clients.

5. Intellectual Property

All content on our website including text, graphics, logos, and educational materials is the intellectual property of 1st Priority Consulting LLC and may not be reproduced, distributed, or used without express written permission.

6. Limitation of Liability

To the fullest extent permitted by law, 1st Priority Consulting LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services. Our total liability in any matter arising out of or related to these Terms shall not exceed the total fees paid by you in the three months preceding the claim.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Hampton, Virginia.

8. Changes to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted to our website with a revised effective date. Continued use of our services after any modification constitutes your acceptance of the new Terms.

9. Contact

For questions regarding these Terms, contact us at:

Email [email protected]

Phone 757-839-1993

Address 110 Coliseum Xing, Hampton, Virginia 23666

10. SMS Program — Additional Disclosures

Carrier Liability: Carriers, including but not limited to AT&T, T-Mobile, and Verizon, are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission from your mobile carrier and is outside the control of 1st Priority Consulting LLC.

Age Restriction: You must be 18 years of age or older to opt in to or use this SMS messaging service. By submitting your phone number and checking the consent box, you confirm that you are at least 18 years old.

Privacy Policy: Our SMS practices are governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our full Privacy Policy at https://1stpriorityconsulting.org/privacy-policy for details on how we collect, use, and protect your information.