Terms Of Service

1. Acceptance of Terms & Engagement Protocol

By executing an engagement letter, accessing digital portal resources, or commissioning advisory frameworks with Keys & Capital Consulting LLC ('the Firm', 'we', 'us', or 'our'), you ('Client', 'Party', or 'you') unreservedly acknowledge and agree to be contractually bound by these Terms of Service.

These terms govern all professional interactions, transactional strategies, algorithmic implementations, and consultative communications. If you do not consent to all provisions set forth herein, you must immediately cease all engagement with our representatives and digital interfaces.

2. Eligibility, Authority & Corporate Representation

Engagements are strictly limited to natural persons who have reached the age of majority within their governing jurisdiction (at minimum 18 years of age) and registered business entities possessing legal standing. Any individual executing an agreement on behalf of a corporation, partnership, or trust warrants full legal authority to bind said entity.

3. Comprehensive Scope of Advisory Services

Keys & Capital Consulting delivers institutional-grade consulting across specialized business verticals. Services encompass strategic credit profile optimization, commercial and residential real estate advisory, algorithmic operational integration, and corporate capital structuring. Individual scopes of work are further codified in bespoke Service Schedules executed per client engagement.

4. Credit Consulting & Strategic Underwriting Advisory

The Firm provides analytical review, audit services, and strategic advisory relating to enterprise and personal credit frameworks. Client explicitly acknowledges and covenants that:

• Keys & Capital Consulting operates strictly in compliance with applicable provisions of the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and corresponding Florida State consumer statutes.
• The Firm does not fabricate, alter, or misrepresent factual historical credit data, nor does it guarantee specific point-score enhancements or credit line approvals.
• Clients maintain complete responsibility for furnishing timely, unadulterated bureau reports, financial documentation, and operational disclosures necessary for thorough audit and strategy design.

5. Real Estate Advisory & Transactional Due Diligence

Real estate consultations, investment underwriting frameworks, and asset acquisition analyses are provided solely for informational and strategic planning purposes. Keys & Capital Consulting is an advisory practice and does not serve as a registered real estate brokerage, direct mortgage lender, or escrow holder unless explicitly licensed and designated under separate contractual addenda.

Clients are strictly advised to corroborate all financial models, capitalization rates, structural inspections, and zoning ordinances through independent licensed real estate professionals, appraisers, and title attorneys.

6. AI Automation, Workflow & Technical Integration

Where engagements entail bespoke artificial intelligence engineering, algorithmic automation pipelines, or third-party CRM integration, the Firm grants Client a non-exclusive, non-transferable operational license to the configured deployment. Client acknowledges that proprietary AI models, foundational APIs, and cloud services (including OpenAI, Anthropic, or proprietary LLMs) are subject to third-party uptime, token volatility, and algorithmic variance.

7. Client Responsibilities & Mandatory Disclosures

Client agrees to provide accurate, complete, and verifiable records within five (5) business days of an advisory request. Failure to furnish critical data—including balance sheets, credit reports, title deeds, or API credentials—relieves the Firm of project milestones and timeline obligations without liability or refund eligibility.

8. Professional Fees, Retainers & Payment Mechanics

All fee structures, retainer arrangements, milestone payments, and hourly consulting tariffs are invoiced per the designated payment schedule. Invoices are payable upon receipt via approved corporate wire, automated clearing house (ACH), or merchant credit infrastructure. Unpaid balances exceeding seven (7) business days incur interest at 1.5% per month or the maximum permissible statutory rate.

9. NO REFUND POLICY

All payments made to Keys & Capital Consulting are final. There are no refunds whatsoever for any services, packages, consultations, or digital products purchased.

10. Proprietary Information & Intellectual Property

All advisory deliverables, risk scoring matrices, automation scripts, underwriting rubrics, and strategic consulting blueprints generated by Keys & Capital Consulting remain the sole intellectual property of the Firm. Client receives a limited operational license for internal organizational usage only.

11. Confidentiality & Non-Disclosure Covenants

Both parties mutually covenant to safeguard all proprietary, financial, and operational information disclosed during the engagement with the highest degree of corporate care. Confidential Information shall not be disclosed to any third party without prior written authorization, barring legal or judicial compulsion.

12. Regulatory Compliance & Consumer Protection Laws

Services are executed in strict fidelity to United States federal frameworks, including the Dodd-Frank Wall Street Reform and Consumer Protection Act, Fair Credit Reporting Act (FCRA), and Florida Deceptive and Unfair Trade Practices Act (FDUTPA). Clients warrant that their engagement objectives strictly comply with all governing anti-money laundering (AML) and Know Your Customer (KYC) mandates.

13. Disclaimers of Warranties & Financial Advice Limitations

All services, strategic models, analyses, and software tools are provided on an 'as-is' and 'as-available' foundation without warranty of any kind, whether express, statutory, or implied. Keys & Capital Consulting does not furnish licensed securities trading advice, legal representation, or formal tax accounting opinions.

14. Comprehensive Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Keys & Capital Consulting LLC, its managing principals, employees, or affiliates be liable for indirect, incidental, consequential, special, punitive, or reliance damages. Aggregate liability arising under any claim shall not exceed the total fees paid by Client to the Firm during the three (3) calendar months immediately preceding the event.

15. Indemnification & Hold Harmless

Client agrees to defend, indemnify, and hold harmless Keys & Capital Consulting LLC from and against any third-party claims, liabilities, damages, judgments, or expenses (including reasonable legal fees) resulting from Client's breach of these Terms, misrepresentation of documentation, or violation of governing law.

16. Third-Party Platforms & Service Integrations

The Firm may integrate client processes with third-party software vendors, credit reporting repositories, banking portals, and cloud providers. The Firm disclaims all liability regarding third-party outages, privacy policy modifications, security breaches, or API depreciations.

17. Modifications & Iterations to Terms

We reserve the right to amend, modify, or update these Terms of Service at our sole discretion. Any material alterations shall become effective immediately upon digital publication. Continued utilization of advisory services following revisions constitutes full acceptance of the modernized agreement.

18. Dispute Resolution & Mandatory Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to this contract, or the breach thereof, shall be determined by final and binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. Both parties waive their constitutional right to a jury trial and class action participation.

19. Governing Law, Venue & Severability

These Terms and all operational relationships are governed exclusively by the laws of the State of Florida, without giving effect to conflict of law principles. Exclusive jurisdiction and venue for any permitted judicial proceeding shall lie within the state or federal courts located in Florida. If any clause is deemed unenforceable, remaining covenants remain fully operational.

20. Corporate Contact Information & Legal Inquiries

All formal notifications, legal correspondence, statutory demands, or compliance questions concerning these Terms of Service must be submitted directly to our corporate administration via registered mail or designated legal electronic transmittal.