Terms of Service — White Sand

1. Acceptance of these Terms

By accessing the Site or using any of our Services, you confirm that you are entering into a legally binding agreement with White Sand, an independent business operating from Denton, Texas.

If you are using the Services on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms, and "you" refers to both you personally and that entity.

2. The Services we provide

White Sand is an independent credit strategist. We offer consulting, coaching, and related services that may include:

Personal and business credit profile analysis and optimization guidance
Strategy for applying for third-party business credit cards and lines of credit, including no-document and full-document pathways
Tradeline placement services (authorized-user accounts on third-party trade lines)
Credit repair consulting, including dispute strategy for inaccurate or unverifiable items
Shelf corporation placement (transfer of pre-formed, aged business entities)
Corporate credit building, including Dun & Bradstreet profile establishment
Ongoing coaching and education on managing and leveraging credit lines

The exact scope of Services we deliver to you will be described in a separate written service agreement, statement of work, or engagement confirmation between you and us.

3. Important — we are not a lender

White Sand is not a lender, bank, or financial institution.

All credit, loans, lines of credit, business credit cards, and other financial products referenced on the Site or discussed during your engagement are issued by independent third-party financial institutions. We do not underwrite, approve, fund, or guarantee any application or extension of credit. All credit decisions are made solely by the issuing third party in accordance with its own underwriting standards.

Our role is limited to education, consulting, and helping you prepare and present your credit profile. We do not provide legal, tax, accounting, or investment advice. You should consult appropriate licensed professionals before making material financial decisions.

4. Eligibility

To use the Services, you must:

Be at least 18 years of age
Be a legal resident of the United States
Be a business owner, principal, or authorized representative of a U.S. business entity (or be in the process of forming one)
Provide accurate, current, and complete information about yourself and your business
Have the legal capacity to enter into a binding contract

Eligibility for any specific credit product depends entirely on the underwriting criteria of the third-party issuer and your individual creditworthiness. We do not guarantee that you will qualify for any product.

5. Your information & representations

You represent and warrant that:

All information you provide (including credit score range, business name, credit goal, income, time in business, and any other application data) is true, accurate, current, and complete
You will promptly update us if any information you provided becomes inaccurate
You have the right to share any personal or business information you provide
You will not use the Services for any unlawful, fraudulent, or deceptive purpose
You will not misrepresent your identity, business activities, income, or creditworthiness to any third-party lender or service we introduce you to

We may verify your information through public records, credit-reporting agencies (with your authorization), or other reasonable means. If you provide false or misleading information, we may immediately terminate the engagement and you forfeit any refund.

6. Fees, payment & refunds

The fees, payment schedule, and refund policy applicable to your engagement will be set forth in your written service agreement or engagement confirmation. The specific fee structure for your engagement will be set forth in your written service agreement and quoted to you during your strategy call.

Unless your written agreement provides otherwise:

All fees are payable in U.S. dollars
Fees are non-refundable once work has begun, except where required by applicable law
You are responsible for any applicable taxes, bank fees, or chargeback fees
We reserve the right to suspend the Services if payment is not received when due

If you are a California resident, you have rights under the California Credit Services Act of 1984 (Cal. Civ. Code § 1789.10 et seq.), where applicable.

7. Third-party services & products

Our Services involve helping you interact with third-party financial institutions, credit bureaus, and service providers (collectively, "Third Parties"). You acknowledge and agree that:

Third-party products and services are governed by their own terms, conditions, and privacy policies
We do not control, endorse, or guarantee any Third Party's product, service, or conduct
We are not responsible for the acts, omissions, decisions, fees, interest rates, or terms of any Third Party
Any contract you enter into with a Third Party is solely between you and that Third Party
We may receive compensation, commissions, or referral fees from certain Third Parties for introductions or placements; the existence of such compensation does not affect the price you pay for our Services unless disclosed

8. No guarantee of results

Past results are not a guarantee of future outcomes.Credit amounts, approval rates, interest rates, timelines, and credit-score improvements vary widely based on each individual's credit profile, income, debt-to-income ratio, time in business, entity structure, prior banking relationships, lender criteria, market conditions, and other factors outside our control.

Any specific dollar figures, timeframes, or score-improvement examples shown on the Site or discussed during the engagement are illustrative only and do not constitute a representation, warranty, or guarantee of similar results for you.

9. Prohibited conduct

You agree not to, and not to allow any third party to:

Use the Site or Services to engage in any unlawful, fraudulent, or deceptive activity
Misrepresent your income, occupation, business activity, identity, or creditworthiness to lenders or other Third Parties
Use shelf corporations or tradelines to evade legal obligations, conceal material facts from creditors, or otherwise circumvent applicable laws
Interfere with, disrupt, or attempt to gain unauthorized access to the Site, its servers, or any related systems
Reverse engineer, decompile, scrape, or harvest content from the Site
Use the Site or Services to harass, abuse, threaten, or defame any person
Violate any applicable federal, state, or local law or regulation

We reserve the right to refuse Services, terminate the engagement, and report misconduct to appropriate authorities.

10. Intellectual property

All content on the Site — including text, graphics, logos, icons, images, audio, video, software, and the "White Sand" brand — is the property of White Sand or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual-property laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your personal or internal business purposes. You may not copy, modify, distribute, sell, lease, or create derivative works of any part of the Site or Services without our prior written consent.

Any feedback, suggestions, or ideas you provide about the Services may be used by us without compensation or obligation to you.

11. Privacy

Our collection, use, and sharing of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Electronic communications & consent to be contacted

By providing your phone number, email address, or other contact information, you expressly consent to receive communications from us by email, phone, SMS, voicemail, and pre-recorded message, including communications sent using an automatic telephone dialing system (ATDS), in connection with the Services. Message and data rates may apply. You may opt out of marketing communications at any time by replying STOP to an SMS or using the unsubscribe link in an email. Opting out of marketing does not stop service-related transactional messages (such as booking confirmations).

You also consent to receive notices and other communications from us in electronic form, including via the Site or email to the address you provide.

13. Disclaimers

The site and the services are provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, white sand disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the site or services will be uninterrupted, error-free, secure, or free of viruses or other harmful components; that defects will be corrected; that any results, approvals, credit, or outcomes will be achieved; or that any information provided is complete, accurate, or current.

No advice or information, whether oral or written, obtained from us creates any warranty not expressly stated in these Terms.

14. Limitation of liability

To the maximum extent permitted by applicable law, in no event will white sand, its affiliates, officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including loss of profits, revenue, data, business opportunities, or goodwill — arising out of or relating to your use of the site or services, even if we have been advised of the possibility of such damages.

Our aggregate liability to you for all claims arising out of or relating to these Terms or the Services will not exceed the greater of (a) the total fees you actually paid to us in the six (6) months preceding the event giving rise to the claim, or (b) $500.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

15. Indemnification

You agree to defend, indemnify, and hold harmless White Sand and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

Your breach of these Terms or any service agreement with us
Your violation of any law or the rights of any third party
Inaccurate, misleading, or fraudulent information you provided to us or to any Third Party
Your use of the Site or Services

16. Termination

We may suspend or terminate your access to the Site or Services, with or without notice, if we believe you have violated these Terms or applicable law, or if we believe termination is necessary to protect ourselves, our other clients, or any Third Party.

You may stop using the Site at any time. Provisions of these Terms that by their nature should survive termination — including intellectual-property, disclaimers, limitations of liability, indemnification, and dispute-resolution provisions — will survive.

17. Governing law & dispute resolution

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved as follows:

Informal resolution. Before filing any claim, you agree to first contact us at kan@skyfah.com and attempt to resolve the dispute informally for at least 30 days.
Binding arbitration. If informal resolution fails, the dispute will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, in Denton, Texas or another mutually agreed location. [Attorney to confirm whether to retain this arbitration clause]
Class-action waiver. You and we agree that any dispute will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.
Small-claims exception. Either party may bring an individual action in small-claims court if the dispute qualifies.

Where arbitration is not enforceable, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Denton County, Texas.

18. Changes to these Terms

We may update these Terms from time to time. When we make material changes, we will update the "Effective date" at the top of this page and, where appropriate, provide additional notice. Your continued use of the Site or Services after the effective date constitutes your acceptance of the updated Terms.

19. How to contact us

For questions about these Terms, please contact us at:

White Sand
Attn: Legal
624 W University Dr #440, Denton, TX 76201

Email: kan@skyfah.com