Terms and Conditions

Welcome to Expedio Personal Services (“Company,” “we,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our educational services, consultation sessions, workshops, webinars, Discord community, and related offerings.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, do not access our services.

1. Services Provided

We offer business education, consultation, credit education, funding preparation, and merchant readiness services designed to improve your business structure and financial awareness. We do not guarantee credit score improvements or funding approvals.

2. No Financial or Legal Advice

Our services are for informational and educational purposes only. We are not a law firm, financial advisor, CPA, or credit repair organization. All decisions made by the user are their sole responsibility.

3. User Obligations

You agree to:

• Provide accurate business and personal information during intake.
• Use our services only for lawful purposes.
• Not upload or share confidential data unless required and secured via encrypted forms or portals.
• Abide by our community guidelines on Discord (no spam, abuse, or illegal content).

4. Payment and Refunds

All fees must be paid in advance. Refunds are not guaranteed and will be assessed on a case-by-case basis depending on service delivery status. Payment does not guarantee funding or credit outcome.

5. Discord Community Use

Use of our Discord server is optional and governed by our internal moderation policy. We reserve the right to remove users who violate rules or disrupt the community.

6. Intellectual Property

All content we provide, including handouts, slides, templates, and guides, remains our intellectual property. You may not copy, resell, or distribute this content without written permission.

7. Limitation of Liability

We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of our services or any actions you take based on our content. You use our services at your own risk.

8. Changes to Terms

We may update these Terms periodically. Continued use of our services indicates your agreement with the updated Terms.