Terms of Service and Privacy Policy of Carlos Melo Consulting LLC
1. Introduction
At Carlos Melo Consulting LLC, we are committed to providing educational and financial consulting services to the Hispanic community in the United States. We protect your privacy and ensure the security of your personal information in every interaction. By using our website, www.carlosmeloconsulting.com, subdomains derived from .carlosmeloconsulting.com, and our services, you agree to the terms described below.
________________________________________
2. Description of Products and Services
Carlos Melo Consulting LLC specializes in:
• Financial and Business Education: We offer mentorship programs, workshops, and courses designed to optimize credit profiles, access strategic financing, and build sustainable businesses.
• Educational Materials: We provide audiobooks, digital resources, and practical guides, such as our program on the Fair Credit Reporting Act (FCRA).
• Personalized Consulting: We design tailored strategies for entrepreneurs and individuals seeking to improve their financial situation in the United States.
• Webinars and Mentorship Programs: These include advanced technological tools and continuous support.
Our services are designed to provide the knowledge and tools needed to achieve financial success.
________________________________________
3. Information We Collect
3.1 Types of Information Collected
• Personal Information: Name, email address, phone number, and other contact details.
• Financial Information: Credit and financial history necessary to tailor our services.
• Technical Information: IP address, browser type, and website usage data.
• Service Interactions: History of enrollments, purchases, and access to educational materials.
3.2 Purpose of Collection
We use this information to:
• Provide Services: Ensure a personalized and effective educational experience.
• Enhance User Experience: Optimize the functionality of our website and services.
• Communications: Inform you about promotions, updates, and new services.
• Legal Compliance: Ensure adherence to applicable laws and regulations.
________________________________________
4. Use and Sharing of Information
4.1 Service Providers
We may share your information with:
• Payment Processors: Stripe securely manages our transactions in compliance with PCI DSS standards.
• Hosting Providers: Ensure the continuous and secure operation of our website.
4.2 Legal Compliance and Security
We may disclose information if required by law or necessary to protect our rights, prevent fraud, or ensure the safety of our users.
________________________________________
5. Information Security
We implement technical and organizational measures to protect your information, including:
• Data Encryption: Protects financial and personal information during transactions.
• Access Control: Strict restrictions to ensure only authorized personnel access information.
• Continuous Monitoring: Oversees activities in our system to prevent unauthorized use.
However, no transmission over the internet is entirely secure; we recommend caution when sharing sensitive information.
________________________________________
6. Data Retention and Deletion Policies
We retain your personal information only for as long as necessary to fulfill the purposes outlined. Upon user request, we will delete personal data in compliance with applicable laws.
________________________________________
7. Your Rights
You have the right to:
• Access: Request details about the personal information we hold.
• Rectification: Correct inaccurate or incomplete information.
• Deletion: Request the removal of your data.
• Restriction: Limit the processing of your information.
• Portability: Obtain a copy of your data in a structured format.
To exercise these rights, contact us at info@carlosmeloconsulting.com.
________________________________________
8. Changes to Terms and Privacy Policy
We may update these terms to reflect changes in our practices or legal regulations. We will notify you of significant updates via our website or email.
________________________________________
9. Contact Information
For questions about these terms or our privacy policy, you can contact us:
Carlos Melo Consulting LLC
Email: info@carlosmeloconsulting.com
Phone: +1 470 349 6088
Address: 1688 Meridian Avenue, Suite 600, Miami Beach, FL 33139
________________________________________
10. Subscription Plans and Payment Processing
At Carlos Melo Consulting LLC, we offer monthly subscription plans for our educational services, including the Fénix Mentorship Program, designed to transform our clients' financial lives. The following policies apply to our subscriptions:
10.1 Subscription Description
• The Fénix Mentorship Program includes access to exclusive educational content, practical tools, live and recorded sessions, and continuous support for clients' financial development.
• Subscription plans provide continuous access to resources, including modules on credit, personal finance, business formation (LLCs), and capital strategies.
10.2 Payment Options
• We offer monthly, quarterly, and annual payment options.
• Payments are processed automatically through our secure system using Stripe, ensuring maximum protection of your financial information.
10.3 Cancellation Policy
• Clients may cancel their subscription at any time through their account on our website. Cancellations will take effect in the next billing cycle.
• Payments already processed are non-refundable, but clients will retain access to services until the end of the paid period.
10.4 Automatic Renewal
• All subscriptions renew automatically at the end of the billing period unless canceled before the renewal date.
10.5 Free Trials
• We may offer free trials for new clients. Free trials are subject to specific terms and conditions provided at the time of enrollment.
10.6 Payment Failures
• If a payment fails due to issues with the credit card or other payment methods, we will attempt to process the payment again within seven days. If the payment remains unsuccessful, the subscription may be suspended until the client updates their payment information.
11. Appropriate Security Features for Customer Protection
We are committed to protecting our clients' personal and financial information through the following security measures:
Secure Transactions:
• All transactions are conducted through an encrypted connection (SSL/TLS) to safeguard financial information during payment processing.
Secure Data Storage:
• We do not store sensitive credit card information in our systems. All payments are securely processed by Stripe.
Restricted Access:
• Only authorized personnel at Carlos Melo Consulting LLC have access to client information, which is used solely for the purposes outlined in our privacy policy.
Staff Training:
• Our team undergoes continuous training on security practices and data protection to ensure the proper handling of client information.
Continuous Monitoring and Updates:
• We regularly review and update our policies and security measures to align with industry best practices and regulatory changes.
________________________________________
12. Clear Descriptions of Products and Services
Offered Products and Services:
• Fénix Mentorship Program: A comprehensive program that includes modules on credit optimization, strategic capital access, business formation, and advanced financial and business strategies.
• Educational Audiobooks: Detailed materials covering credit laws, credit repair strategies, and financial empowerment.
• Webinars and Workshops: Live educational sessions designed to guide participants in the practical implementation of our methodologies.
Educational Value Guarantee:
• We strive to provide updated and relevant content that meets the highest educational quality standards to ensure our clients' success.
Refund Policy:
• While we do not offer refunds for processed subscriptions, we guarantee clients full access to the resources paid for until the end of their subscription period.
________________________________________
13. Contact for Support and Inquiries
If you have questions or need assistance related to your subscription or any other service, you can contact us through the following channels:
• Email: info@carlosmeloconsulting.com
• Phone: +1 470 349 6088
• Contact Form: Available on our official website.
________________________________________
14. Terms of Use for the Fénix Mentorship Program
1. Educational Purpose:
• The Fénix Mentorship Program is an educational initiative designed exclusively to provide information and strategies related to finance, business, and credit. Specific outcomes are not guaranteed, as success depends on individual effort and application.
2. Participant Responsibility:
• Participants are responsible for implementing the strategies and methodologies provided during the mentorship. Carlos Melo Consulting LLC is not liable for financial, business, or personal decisions made by participants based on the mentorship content.
3. Eligibility to Participate:
• Only individuals aged 18 or older may enroll in the mentorship. By registering, participants confirm they meet this requirement.
4. Intellectual Property:
• All content in the Fénix Mentorship Program, including modules, resources, recordings, and written materials, is the exclusive property of Carlos Melo Consulting LLC. Copying, sharing, or distributing this content without prior written authorization is strictly prohibited.
________________________________________
15. Financial Disclaimer
1. No Guarantee of Financial Results:
• The Fénix Mentorship Program provides proven strategies based on experience and expertise but does not guarantee income, credit approval, or access to specific amounts of capital.
2. Financial Risks:
• All financial decisions carry inherent risks. Carlos Melo Consulting LLC will not be held responsible for financial losses resulting from the implementation of the strategies taught.
3. Additional Professional Consultation:
• The materials and advice provided do not replace the guidance of financial, legal, or credit professionals. It is recommended to seek additional advice as needed.
________________________________________
16. Privacy and Data Use Policy
1. Participant Confidentiality:
• Participants agree to maintain confidentiality regarding any information shared during group sessions or private forums.
2. Data Use by Carlos Melo Consulting LLC:
• We may use anonymized data to improve our services. This does not include personally identifiable information without the participant's explicit consent.
3. Testimonials:
• By providing testimonials, participants grant permission for their use in promotional materials, subject to prior written approval.
________________________________________
17. Program Modifications
1. Content Updates:
• Carlos Melo Consulting LLC reserves the right to modify program content to keep it up to date.
2. Fee and Policy Changes:
• We reserve the right to modify fees or policies with reasonable prior notice.
3. Suspension or Cancellation:
• In cases of force majeure, we may temporarily or permanently suspend the mentorship. Refunds will be evaluated based on current policies.
________________________________________
18. Dispute Resolution
1. Amicable Resolution:
• It is recommended to resolve any disputes amicably before pursuing legal action.
2. Applicable Jurisdiction:
• These terms will be governed by the laws of the State of Florida, and any disputes will be handled in the courts of Miami Beach, Florida.
________________________________________
19. Technical and Academic Support Policy
1. Support Channels:
• Technical and academic support is provided through email and group Q&A sessions.
2. Response Time:
• The support team responds to inquiries within 48 business hours.
3. Access to Materials:
• Participants will have access to purchased content during their subscription period.
________________________________________
20. Refund Policy
1. Satisfaction Guarantee:
• Participants may request a full refund within the first 14 days after initial enrollment.
2. Monthly Subscriptions:
• Monthly subscription payments are non-refundable once processed. Subscription cancellations will apply to the next billing cycle.
3. Flexible Payment Plans:
• Flexible payment plans are subject to the terms agreed upon at the time of enrollment and are non-refundable after the first payment.
________________________________________
21. Security Policies
1. Secure Payment Processing:
• All transactions are processed through Stripe, a secure system compliant with PCI-DSS standards. We do not store payment information on our servers.
2. Protection Measures:
• We implement technical and organizational measures to safeguard personal data against unauthorized access.
At Carlos Melo Consulting LLC, we are committed to providing educational and financial consulting services to the Hispanic community in the United States. We protect your privacy and ensure the security of your personal information in every interaction. By using our website, www.carlosmeloconsulting.com, subdomains derived from .carlosmeloconsulting.com, and our services, you agree to the terms described below.
________________________________________
2. Description of Products and Services
Carlos Melo Consulting LLC specializes in:
• Financial and Business Education: We offer mentorship programs, workshops, and courses designed to optimize credit profiles, access strategic financing, and build sustainable businesses.
• Educational Materials: We provide audiobooks, digital resources, and practical guides, such as our program on the Fair Credit Reporting Act (FCRA).
• Personalized Consulting: We design tailored strategies for entrepreneurs and individuals seeking to improve their financial situation in the United States.
• Webinars and Mentorship Programs: These include advanced technological tools and continuous support.
Our services are designed to provide the knowledge and tools needed to achieve financial success.
________________________________________
3. Information We Collect
3.1 Types of Information Collected
• Personal Information: Name, email address, phone number, and other contact details.
• Financial Information: Credit and financial history necessary to tailor our services.
• Technical Information: IP address, browser type, and website usage data.
• Service Interactions: History of enrollments, purchases, and access to educational materials.
3.2 Purpose of Collection
We use this information to:
• Provide Services: Ensure a personalized and effective educational experience.
• Enhance User Experience: Optimize the functionality of our website and services.
• Communications: Inform you about promotions, updates, and new services.
• Legal Compliance: Ensure adherence to applicable laws and regulations.
________________________________________
4. Use and Sharing of Information
4.1 Service Providers
We may share your information with:
• Payment Processors: Stripe securely manages our transactions in compliance with PCI DSS standards.
• Hosting Providers: Ensure the continuous and secure operation of our website.
4.2 Legal Compliance and Security
We may disclose information if required by law or necessary to protect our rights, prevent fraud, or ensure the safety of our users.
________________________________________
5. Information Security
We implement technical and organizational measures to protect your information, including:
• Data Encryption: Protects financial and personal information during transactions.
• Access Control: Strict restrictions to ensure only authorized personnel access information.
• Continuous Monitoring: Oversees activities in our system to prevent unauthorized use.
However, no transmission over the internet is entirely secure; we recommend caution when sharing sensitive information.
________________________________________
6. Data Retention and Deletion Policies
We retain your personal information only for as long as necessary to fulfill the purposes outlined. Upon user request, we will delete personal data in compliance with applicable laws.
________________________________________
7. Your Rights
You have the right to:
• Access: Request details about the personal information we hold.
• Rectification: Correct inaccurate or incomplete information.
• Deletion: Request the removal of your data.
• Restriction: Limit the processing of your information.
• Portability: Obtain a copy of your data in a structured format.
To exercise these rights, contact us at info@carlosmeloconsulting.com.
________________________________________
8. Changes to Terms and Privacy Policy
We may update these terms to reflect changes in our practices or legal regulations. We will notify you of significant updates via our website or email.
________________________________________
9. Contact Information
For questions about these terms or our privacy policy, you can contact us:
Carlos Melo Consulting LLC
Email: info@carlosmeloconsulting.com
Phone: +1 470 349 6088
Address: 1688 Meridian Avenue, Suite 600, Miami Beach, FL 33139
________________________________________
10. Subscription Plans and Payment Processing
At Carlos Melo Consulting LLC, we offer monthly subscription plans for our educational services, including the Fénix Mentorship Program, designed to transform our clients' financial lives. The following policies apply to our subscriptions:
10.1 Subscription Description
• The Fénix Mentorship Program includes access to exclusive educational content, practical tools, live and recorded sessions, and continuous support for clients' financial development.
• Subscription plans provide continuous access to resources, including modules on credit, personal finance, business formation (LLCs), and capital strategies.
10.2 Payment Options
• We offer monthly, quarterly, and annual payment options.
• Payments are processed automatically through our secure system using Stripe, ensuring maximum protection of your financial information.
10.3 Cancellation Policy
• Clients may cancel their subscription at any time through their account on our website. Cancellations will take effect in the next billing cycle.
• Payments already processed are non-refundable, but clients will retain access to services until the end of the paid period.
10.4 Automatic Renewal
• All subscriptions renew automatically at the end of the billing period unless canceled before the renewal date.
10.5 Free Trials
• We may offer free trials for new clients. Free trials are subject to specific terms and conditions provided at the time of enrollment.
10.6 Payment Failures
• If a payment fails due to issues with the credit card or other payment methods, we will attempt to process the payment again within seven days. If the payment remains unsuccessful, the subscription may be suspended until the client updates their payment information.
11. Appropriate Security Features for Customer Protection
We are committed to protecting our clients' personal and financial information through the following security measures:
Secure Transactions:
• All transactions are conducted through an encrypted connection (SSL/TLS) to safeguard financial information during payment processing.
Secure Data Storage:
• We do not store sensitive credit card information in our systems. All payments are securely processed by Stripe.
Restricted Access:
• Only authorized personnel at Carlos Melo Consulting LLC have access to client information, which is used solely for the purposes outlined in our privacy policy.
Staff Training:
• Our team undergoes continuous training on security practices and data protection to ensure the proper handling of client information.
Continuous Monitoring and Updates:
• We regularly review and update our policies and security measures to align with industry best practices and regulatory changes.
________________________________________
12. Clear Descriptions of Products and Services
Offered Products and Services:
• Fénix Mentorship Program: A comprehensive program that includes modules on credit optimization, strategic capital access, business formation, and advanced financial and business strategies.
• Educational Audiobooks: Detailed materials covering credit laws, credit repair strategies, and financial empowerment.
• Webinars and Workshops: Live educational sessions designed to guide participants in the practical implementation of our methodologies.
Educational Value Guarantee:
• We strive to provide updated and relevant content that meets the highest educational quality standards to ensure our clients' success.
Refund Policy:
• While we do not offer refunds for processed subscriptions, we guarantee clients full access to the resources paid for until the end of their subscription period.
________________________________________
13. Contact for Support and Inquiries
If you have questions or need assistance related to your subscription or any other service, you can contact us through the following channels:
• Email: info@carlosmeloconsulting.com
• Phone: +1 470 349 6088
• Contact Form: Available on our official website.
________________________________________
14. Terms of Use for the Fénix Mentorship Program
1. Educational Purpose:
• The Fénix Mentorship Program is an educational initiative designed exclusively to provide information and strategies related to finance, business, and credit. Specific outcomes are not guaranteed, as success depends on individual effort and application.
2. Participant Responsibility:
• Participants are responsible for implementing the strategies and methodologies provided during the mentorship. Carlos Melo Consulting LLC is not liable for financial, business, or personal decisions made by participants based on the mentorship content.
3. Eligibility to Participate:
• Only individuals aged 18 or older may enroll in the mentorship. By registering, participants confirm they meet this requirement.
4. Intellectual Property:
• All content in the Fénix Mentorship Program, including modules, resources, recordings, and written materials, is the exclusive property of Carlos Melo Consulting LLC. Copying, sharing, or distributing this content without prior written authorization is strictly prohibited.
________________________________________
15. Financial Disclaimer
1. No Guarantee of Financial Results:
• The Fénix Mentorship Program provides proven strategies based on experience and expertise but does not guarantee income, credit approval, or access to specific amounts of capital.
2. Financial Risks:
• All financial decisions carry inherent risks. Carlos Melo Consulting LLC will not be held responsible for financial losses resulting from the implementation of the strategies taught.
3. Additional Professional Consultation:
• The materials and advice provided do not replace the guidance of financial, legal, or credit professionals. It is recommended to seek additional advice as needed.
________________________________________
16. Privacy and Data Use Policy
1. Participant Confidentiality:
• Participants agree to maintain confidentiality regarding any information shared during group sessions or private forums.
2. Data Use by Carlos Melo Consulting LLC:
• We may use anonymized data to improve our services. This does not include personally identifiable information without the participant's explicit consent.
3. Testimonials:
• By providing testimonials, participants grant permission for their use in promotional materials, subject to prior written approval.
________________________________________
17. Program Modifications
1. Content Updates:
• Carlos Melo Consulting LLC reserves the right to modify program content to keep it up to date.
2. Fee and Policy Changes:
• We reserve the right to modify fees or policies with reasonable prior notice.
3. Suspension or Cancellation:
• In cases of force majeure, we may temporarily or permanently suspend the mentorship. Refunds will be evaluated based on current policies.
________________________________________
18. Dispute Resolution
1. Amicable Resolution:
• It is recommended to resolve any disputes amicably before pursuing legal action.
2. Applicable Jurisdiction:
• These terms will be governed by the laws of the State of Florida, and any disputes will be handled in the courts of Miami Beach, Florida.
________________________________________
19. Technical and Academic Support Policy
1. Support Channels:
• Technical and academic support is provided through email and group Q&A sessions.
2. Response Time:
• The support team responds to inquiries within 48 business hours.
3. Access to Materials:
• Participants will have access to purchased content during their subscription period.
________________________________________
20. Refund Policy
1. Satisfaction Guarantee:
• Participants may request a full refund within the first 14 days after initial enrollment.
2. Monthly Subscriptions:
• Monthly subscription payments are non-refundable once processed. Subscription cancellations will apply to the next billing cycle.
3. Flexible Payment Plans:
• Flexible payment plans are subject to the terms agreed upon at the time of enrollment and are non-refundable after the first payment.
________________________________________
21. Security Policies
1. Secure Payment Processing:
• All transactions are processed through Stripe, a secure system compliant with PCI-DSS standards. We do not store payment information on our servers.
2. Protection Measures:
• We implement technical and organizational measures to safeguard personal data against unauthorized access.