On Your Feet Investigation and Consultancy Terms & Conditions
Effective Date: August 9, 2026
These Terms & Conditions ("Terms") govern your use of websites, consultations, communications, and services provided by On Your Feet Investigation and Consultancy ("On Your Feet," "we," "us," or "our").
By using our website or purchasing or using our services, you agree to these Terms.
Using our website or submitting a service request does not, by itself, constitute consent to receive SMS marketing or non-marketing text messages. SMS consent must be provided separately where applicable.
1. Services
On Your Feet Investigation and Consultancy provides consultation and related services that may include financial-readiness analysis, credit-related consultation, financial planning support, homebuyer-readiness preparation, funding-readiness consultation, document review, and related consulting services.
The exact scope of services depends on the service or engagement selected by the client.
2. No Guarantee of Financial Outcome
Information, analysis, recommendations, projections, strategies, and consultations provided by On Your Feet Investigation and Consultancy are intended for educational and consulting purposes.
Unless expressly stated otherwise in a separate written agreement, we do not guarantee:
Credit score increases
Funding approval
Loan approval
Mortgage approval
Specific interest rates
Specific credit limits
Specific funding amounts
Specific underwriting decisions
Home purchase approval
Specific financial outcomes
Banks, lenders, credit unions, credit bureaus, financial institutions, and other third parties make their own independent decisions.
3. Client Information
You agree to provide information that is accurate to the best of your knowledge.
Our analysis and recommendations may depend on information and documents you provide.
Changes to income, credit, debt, employment, assets, reserves, financial obligations, or other circumstances may affect previous analyses or recommendations.
Updated information may require a new analysis or consultation.
4. Third-Party Products and Services
Our services may discuss or reference products or services offered by independent third parties.
Unless expressly stated otherwise, On Your Feet Investigation and Consultancy does not control third-party underwriting, eligibility requirements, pricing, approval decisions, terms, or service performance.
Third-party terms and privacy policies may apply when you interact with those providers.
5. SMS/Text Messaging Terms
SMS Enrollment
SMS/text messaging is optional.
Providing your telephone number, submitting an inquiry, requesting a consultation, using our website, or purchasing a service does not automatically constitute SMS consent.
You must separately opt in before receiving SMS messages from an On Your Feet Investigation and Consultancy messaging program where consent is required.
Types of Non-Marketing Messages
If you opt in to non-marketing/service SMS communications, messages may include:
Inquiry follow-up
Appointment confirmations
Appointment reminders
Document reminders
Credit report upload reminders
Consultation status updates
Client portal instructions
Service follow-up
Customer support
Marketing Messages
Marketing or promotional text messages will be sent only when appropriate consent has separately been obtained for marketing communications.
Consent to receive marketing messages is not required to purchase our services.
Message Frequency
Message frequency varies depending on your interactions with On Your Feet Investigation and Consultancy.
Message and Data Rates
Message and data rates may apply.
Your wireless carrier's standard messaging and data charges may apply.
Opt-Out
You may stop receiving SMS messages at any time by replying:
STOP
After opting out, you will not receive additional messages from the applicable messaging program unless you subsequently provide valid consent to re-enroll.
Help
For assistance, reply:
HELP
or contact:
Carrier Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
Carrier availability and support may vary.
SMS Privacy
We do not sell or share mobile telephone numbers or SMS opt-in information with third parties or affiliates for their own marketing or promotional purposes.
SMS information may be processed by telecommunications providers, messaging platforms, aggregators, or service providers solely as necessary to provide communications you have authorized.
For additional information, review our Privacy Policy.
6. Communication Consent
Consent to one communication channel does not automatically constitute consent to another.
For example:
Providing an email address does not automatically constitute SMS consent.
Providing a telephone number does not automatically constitute SMS consent.
Non-marketing SMS consent does not automatically constitute marketing SMS consent.
You may update your communication preferences at any time.
7. Electronic Communications
You consent to receiving electronic documents, notices, agreements, and communications when you choose to conduct business electronically with us, subject to applicable law and your communication preferences.
8. Payment Terms
Fees, payment schedules, cancellation provisions, or refund terms applicable to a particular service may be stated in the applicable service agreement, checkout page, invoice, or other written agreement.
You agree to pay authorized charges associated with services you purchase.
9. Client Responsibilities
You are responsible for:
Providing accurate information
Reviewing documents provided to you
Asking questions when information is unclear
Notifying us of material changes affecting your consultation
Making your own final financial decisions
Complying with agreements you enter into with third parties
10. Intellectual Property
Unless otherwise stated, website materials, reports, methodologies, graphics, branding, written materials, templates, and other proprietary materials provided by On Your Feet Investigation and Consultancy are owned by or licensed to us.
You may use client-facing reports and materials provided specifically to you for your personal or authorized business purposes.
You may not reproduce, resell, publish, distribute, reverse engineer, or commercially exploit proprietary materials without authorization.
11. Confidentiality
We use reasonable measures to protect confidential information provided in connection with our services.
Clients are also responsible for protecting credentials, portal access information, reports, and other sensitive materials provided to them.
12. Disclaimer of Warranties
To the extent permitted by law, our website and services are provided on an "as available" basis.
We do not warrant that websites or electronic systems will operate without interruption or error.
Nothing in these Terms excludes rights that cannot lawfully be excluded.
13. Limitation of Liability
To the extent permitted by applicable law, On Your Feet Investigation and Consultancy will not be liable for indirect, incidental, special, consequential, or punitive damages arising from the use of our website or services.
Nothing in these Terms limits liability where limitation is prohibited by law.
14. Third-Party Decisions
On Your Feet Investigation and Consultancy does not control decisions made by:
Credit bureaus
Banks
Credit unions
Lenders
Mortgage companies
Government agencies
Insurance companies
Other third parties
Any approval, denial, rate, limit, term, or eligibility decision issued by a third party is that party's decision.
15. Termination or Suspension
We may suspend or terminate access to services when reasonably necessary due to:
Nonpayment
Fraud
Abuse
Misuse
Illegal activity
Violation of these Terms
Security concerns
Rights and obligations intended to survive termination will remain in effect.
16. Changes to These Terms
We may update these Terms periodically.
The current version will be posted with its effective date.
Your continued use of services following an applicable update constitutes acceptance to the extent permitted by law.
17. Governing Law
These Terms are governed by applicable laws of the jurisdiction governing On Your Feet Investigation and Consultancy and the particular transaction, without limiting consumer rights that may apply under other applicable laws.
18. Contact Information
Questions regarding these Terms may be directed to:
On Your Feet Investigation and Consultancy
Email: [email protected]
Phone: 813-518-8825
Age Restriction
You must be 18 years or older to participate in our SMS messaging program.