Terms and Conditions

Vision Unlimited Consulting
Effective Date: January 1, 2026

By engaging Vision Unlimited Consulting (“Company,” “we,” “us,” or “our”) for consulting services, you (“Client,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use our services.

We provide educational and consulting services related to financial literacy and cost reduction strategies, including:

• Analysis of student loan portfolios 
• Guidance on income-driven repayment (IDR) plans and forgiveness programs (including PSLF) 
• Assistance with application preparation and submission support 
• Bill reduction strategies across essential services (utilities, telecom, security, etc.) 
• Financial education and consulting for individuals and small businesses 
• Access to tools, resources, and service providers within our network 

We do not:

• Provide legal advice or act as attorneys 
• Guarantee specific financial outcomes, savings amounts, or loan forgiveness 
• Make payments on your behalf to loan servicers or creditors 
• Provide tax or comprehensive financial planning advice outside the scope of our services 

You agree to:

• Provide complete and accurate information regarding your financial situation 
• Notify us of any changes that may impact your services 
• Respond promptly to requests for documentation 
• Maintain communication throughout the service process 

You remain responsible for:

• Making all required loan payments until officially notified otherwise by your loan servicer 
• Maintaining active accounts related to services being reviewed 

You are responsible for reviewing all documents prior to submission and confirming accuracy.

All fees will be clearly disclosed prior to engagement and may include:

• Consultation fees 
• Service or processing fees 
• Ongoing support or monitoring fees 

• Payment is due as agreed upon at the time of service 
• Certain services may require upfront payment 
• Refunds, if applicable, are governed by Section 7 

We comply with applicable federal and state regulations regarding consulting and debt-related services. Fees are charged only for services rendered and not for guaranteed outcomes.

We do not guarantee:

• Approval for loan forgiveness or repayment programs 
• Specific savings amounts or financial outcomes 
• Timelines for processing or resolution 

All final decisions are made by third parties, including:

• Loan servicers 
• Government agencies 
• Utility providers or service vendors 

We have no control over these decisions.

Our services are educational and consultative in nature. You are encouraged to seek licensed legal, tax, or financial advice when appropriate.

All materials, content, and resources provided by Vision Unlimited Consulting are the property of the Company and may not be copied, distributed, or used without written permission.

You may terminate services at any time with written notice. Refunds, if applicable, will be prorated based on services completed.

We reserve the right to terminate services if:

• You violate these Terms 
• Required information is not provided 
• Payment obligations are not met 
• We determine we cannot effectively support your situation 

• Refunds are based on work completed 
• Consultation fees are generally non-refundable 
• Third-party fees are non-refundable 

We are committed to protecting your personal information in accordance with our Privacy Policy.

You authorize us to:

• Communicate with relevant service providers on your behalf (if applicable) 
• Submit documentation as needed for services 
• Use your information solely to deliver services 

All services are provided “as is” without warranties of any kind.

Our total liability shall not exceed the total fees paid for services. We are not responsible for indirect or consequential damages.

We are not liable for decisions made by external organizations or providers.

We comply with all applicable consumer protection laws, including:

• Telephone Consumer Protection Act (TCPA) 
• Telemarketing Sales Rule (TSR) 
• A2P 10DLC messaging compliance standards 

By opting into SMS communications from Vision Unlimited Consulting:

• You consent to receive text messages related to your inquiry, services, or updates 
• Message frequency may vary 
• Message and data rates may apply 

You may opt out at any time by replying:

• STOP to unsubscribe 
• HELP for assistance 

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

These Terms are governed by the laws of the State of North Carolina.

Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

You agree to resolve disputes individually and waive participation in class action claims.

• These Terms constitute the full agreement between you and the Company 
• We may update these Terms at any time 
• If any provision is invalid, the remaining Terms remain in effect 
• You may not transfer your rights without written consent 

Vision Unlimited Consulting
Website: www.visionunlimitedconsulting.com
Email: admin@visionunlimitedconsulting.com
Phone: 336-252-8839

You may cancel services within three (3) business days of enrollment by providing written notice.

You may access free resources directly through:

• Your loan servicer 
• studentaid.gov 

You may file complaints with:

• Your state’s Attorney General 
• Consumer Financial Protection Bureau (CFPB)