Agreement Between User and BJ Consult LLC

Welcome to the website operated byBJ Consult LLC ("BJ Consult," "we," "our," or "us"). By accessing or using https://bjconsult.org (the “Site”), you agree to comply with and be bound by the following Terms and Conditions (the “Terms”), including our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, please do not use this Site.

Description of Services

BJ Consult LLC is a global financial services provider offering a wide range of solutions, including personal loans, home purchases, investment opportunities, business planning, merchant processing, and financial consulting. Through our network of affiliates and partners, we aim to deliver comprehensive, personalized financial services that support our clients at every stage of their financial journey.

Privacy

Your use of the Site is subject to our Privacy Policy. By using the Site, you acknowledge and consent to the collection, use, and disclosure of your personal information as described in that policy.

Electronic Communications

When you visit the Site or communicate with us electronically, you consent to receive electronic communications from us. You agree that such communications—whether by email, website notifications, or otherwise—satisfy any legal requirement that such communications be in writing.

Collection and Use of Credit Card Information

When you submit credit or debit card information through the Site, you authorize BJ Consult LLC and our third-party payment processors to collect, store (as applicable), and process your payment data. This includes authorization for us to charge your card for applicable fees such as service charges, application fees, or other costs associated with your requested services.

We use third-party payment processors that comply with the Payment Card Industry Data Security Standard (PCI-DSS), such as Stripe, Square, or equivalent providers. These processors use encryption and tokenization to help secure your payment information. BJ Consult LLC does not store full credit card numbers or CVV codes on our servers.

While we take commercially reasonable steps to safeguard your information, no data transmission or storage system can be guaranteed to be 100% secure. You acknowledge and agree that BJ Consult LLC shall not be liable for unauthorized access to your data that occurs beyond our reasonable control.

If you believe a payment has been processed in error, please contact us at [email protected] within seven (7) days of the transaction. You agree not to initiate chargebacks without first giving us the opportunity to resolve the issue.

Children’s Privacy

BJ Consult LLC does not knowingly collect or solicit personal information from individuals under the age of 13. If you are under 18 years of age, you may use the Site only with the involvement and permission of a parent or legal guardian.

Links to Third-Party Sites

The Site may include links to websites operated by third parties. We do not control or endorse the content, privacy practices, or accuracy of information found on those sites. Access to such third-party websites is at your own risk, and we encourage you to review the privacy policies and terms of those sites independently.

Permitted Use and Intellectual Property

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Site in accordance with these Terms. All content on the Site—including but not limited to text, images, graphics, software, logos, and other materials—is the property of BJ Consult LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, modify, distribute, transmit, or exploit any content without our prior written consent.

International Access

BJ Consult LLC operates from within the United States. If you access the Site from outside the U.S., you are solely responsible for complying with local laws and regulations.

Indemnification

You agree to indemnify, defend, and hold harmless BJ Consult LLC, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, losses, damages, or expenses—including reasonable legal fees—arising out of or related to your use of the Site or your violation of these Terms.

Arbitration Agreement

All disputes arising out of or relating to these Terms shall be resolved exclusively through final and binding arbitration, conducted in accordance with the rules of the American Arbitration Association and the Federal Arbitration Act. The arbitration shall take place in a mutually agreed location, and any judgment rendered by the arbitrator may be entered in a court of competent jurisdiction. Each party shall bear its own arbitration costs unless otherwise decided by the arbitrator.

Class Action Waiver

You agree that any claims or disputes will be pursued individually and not as part of any class or representative action. You expressly waive the right to participate in any class action or consolidated proceeding.

Disclaimer of Warranties and Limitation of Liability

The Site and all content, products, and services provided through it are offered "as is" and "as available" without warranties of any kind, either express or implied. BJ Consult LLC disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. To the maximum extent permitted by law, BJ Consult LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your use of the Site.

Termination

We reserve the right to suspend or terminate your access to the Site at any time, without prior notice, if we believe you have violated these Terms or for any other reason at our sole discretion.

Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in New York for the resolution of any legal matters not subject to arbitration.

Modifications to Terms

BJ Consult LLC may revise these Terms at any time. We will post updates on this page and indicate the effective date. Your continued use of the Site following any changes signifies your acceptance of the revised Terms.

Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us:

BJ Consult LLC

📧 Email: [email protected]
📞 Phone: (855) 913-0363

🌐 Website: https://bjconsult.org