Effective Date: October 30,2025
Business Location: Philadelphia, Pennsylvania
Welcome to PB3 Consulting LLC (“Company,” “we,” “us,” or “our”). By accessing or using our services, website, or communication channels—including text messages, phone calls, and emails—you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully before engaging our services.
1. Services
PB3 Consulting LLC provides credit consulting, education, and improvement services to help individuals understand, organize, and enhance their credit profiles.
We are not a law firm and do not provide legal advice. Any information shared is for educational and informational purposes only.
2. No Guarantee of Results
We strive to deliver accurate guidance and proven strategies; however, credit results depend on each individual’s financial history and circumstances.
PB3 Consulting LLC cannot guarantee specific credit score increases, deletions, or approvals.
3. Client Responsibilities
You agree to:
Provide truthful, complete, and current information during consultations.
Follow the steps and instructions provided by PB3 Consulting LLC.
Promptly notify us of any updates that could affect your credit profile or services.
Failure to cooperate may limit the results of your program.
4. Payments and Refunds
All payments are due as agreed in your service plan or invoice.
Once services have begun, payments are non-refundable, except where required by Pennsylvania law or explicitly stated otherwise in writing.
Late or missed payments may result in suspension of services.
5. Communication Consent
By providing your phone number or email, you consent to receive communications from PB3 Consulting LLC, including:
Service updates
Appointment reminders
Promotional offers
Educational materials
Message and data rates may apply.
You may opt out at any time by replying STOP to text messages or emailing [email protected].
6. Limitation of Liability
PB3 Consulting LLC and its affiliates are not liable for any indirect, incidental, or consequential damages arising from your use of our services.
Our total liability, if any, shall not exceed the total amount paid for services rendered.
7. Governing Law
These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-law provisions.
Any disputes shall be handled in the appropriate state or federal courts located in Philadelphia County, Pennsylvania.
8. Updates to Terms
We may modify or update these Terms at any time. The latest version will be posted on our website or sent directly to clients. Continued use of our services after changes indicates your acceptance.
Effective Date: October 30,2025
Business Location: PB3 Consulting LLC 1500 CHESTNUT ST, SUITE 2 #1772 Philadelphia, PA 19102
At PB3 Consulting LLC, your privacy matters. This Privacy Policy explains how we collect, use, protect, and store your personal information.
1. Information We Collect
We may collect:
Personal Information: Name, address, phone number, email, date of birth, or similar identifiers.
Financial Information: Credit reports or related documents you voluntarily provide for consulting purposes.
Communication Data: Emails, texts, or call records exchanged with PB3 Consulting LLC.
2. How We Use Your Information
We use your information to:
Provide and manage your credit consulting services
Contact you regarding updates or service details
Send educational and promotional messages (if opted in)
Improve our internal processes and communication
3. SMS and Email Communications
By submitting your contact information, you agree to receive text messages and/or emails from PB3 Consulting LLC.
You can opt out anytime by replying STOP to text messages or clicking Unsubscribe in emails.
We comply with the Telephone Consumer Protection Act (TCPA) and other applicable marketing laws.
4. Information Sharing
We do not sell, rent, or trade personal data.
We may share limited information only with trusted third-party vendors who assist us in operating our business (e.g., payment processors, CRM systems, or credit reporting partners). These parties are bound by confidentiality agreements.
5. Data Security
We implement administrative, technical, and physical safeguards to protect your data from unauthorized access or disclosure. However, no system is completely secure, and we cannot guarantee absolute security.
6. Data Retention
We retain your information as long as necessary to fulfill the purposes outlined in this policy or as required by law.
Afterward, data is securely deleted or anonymized.
7. Your Rights (Under Pennsylvania and Federal Law)
You have the right to:
Request access to your personal data
Request correction or deletion of inaccurate data
Withdraw consent for marketing communications
To exercise these rights, email [email protected].
8. Policy Updates
PB3 Consulting LLC may update this Privacy Policy periodically. The most recent version will always be available upon request or posted on our website.
Contact Information
If you have questions about our Terms or Privacy Policy, contact us at:
PB3 Consulting LLC
Email: [email protected]
Location: PB3 Consulting LLC 1500 CHESTNUT ST, SUITE 2 #1772 Philadelphia, PA 19102