Terms & Conditions
Terms & Conditions
Effective Date: May 14, 2026
These Terms & Conditions (“Terms”) govern your use of PCT Pro Services LLC websites, forms, appointment links, client portals, digital products, tools, email communications, SMS/text messaging services, and related service platforms.
PCT Pro Services LLC (“PCT Pro Services,” “PCT,” “we,” “us,” or “our”) provides professional support services, client intake, tax preparation support, credit restoration services, life insurance information, estate planning resources, digital products, appointment scheduling, document collection, and related financial organization tools.
By using our website, submitting a form, booking an appointment, purchasing a product, opting into emails or text messages, uploading documents, or requesting services, you agree to these Terms.
1. Use of Our Website and Services
You agree to use our website, forms, portals, tools, and services for lawful purposes only. You agree not to misuse our website, submit false information, attempt unauthorized access, interfere with website operations, copy protected content without permission, or use our services for fraudulent or unlawful activity.
You agree that the information you provide to PCT Pro Services LLC is accurate, complete, and current to the best of your knowledge.
2. Appointment-Only Service Model
PCT Pro Services LLC operates by appointment. Initial consultations may be conducted by phone, online scheduling, virtual meeting, or other approved communication method.
Submitting a form, leaving a voicemail, sending an email, texting, or booking an appointment does not guarantee service acceptance, approval, eligibility, completion, or a specific outcome.
3. Communication
PCT Pro Services LLC may communicate with you by phone, email, text message, client portal, scheduling platform, HoneyBook, secure upload link, or other business communication tools.
You agree to keep your contact information updated and to monitor your email, text messages, and client portals for important updates.
4. Email Communication Terms
By providing your email address, you agree that PCT Pro Services LLC may send emails related to inquiries, appointments, service updates, document requests, invoices, receipts, digital product delivery, educational content, reminders, and occasional promotional messages.
You may unsubscribe from marketing emails at any time using the unsubscribe link included in our email campaigns. Service-related or transactional emails may still be sent when needed for active services, appointments, purchases, payments, compliance, or client support.
5. SMS/Text Messaging Terms
By opting in to receive SMS/text messages from PCT Pro Services LLC, you agree to receive text messages related to appointments, service updates, intake reminders, document upload reminders, follow-up messages, tax season reminders, credit restoration reminders, life insurance or estate planning follow-up, digital product updates, and occasional promotional messages.
Message frequency varies. Message and data rates may apply.
You may opt out at any time by replying STOP. After replying STOP, you will no longer receive SMS messages from PCT Pro Services LLC unless you opt in again.
For help, reply HELP or contact PCT Pro Services LLC at 470-568-1007 or support@pctproservices.com.
Consent to receive text messages is not required to purchase services from PCT Pro Services LLC.
PCT Pro Services LLC does not sell, rent, or share your mobile phone number, SMS opt-in information, or text messaging consent with third parties or affiliates for their marketing or promotional purposes.
The above excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties.
6. Tax Preparation and Tax Support Services
PCT Pro Services LLC may provide tax preparation support, tax intake review, tax document review, tax quote preparation, draft return review, e-file support, refund-related guidance, IRS letter intake support, and other tax-related services.
Clients are responsible for providing accurate, complete, and timely tax documents and information. PCT Pro Services LLC relies on the information provided by the client.
PCT Pro Services LLC does not guarantee a specific refund amount, tax outcome, refund timeline, IRS processing time, acceptance of a return, approval of credits, or avoidance of audits, notices, offsets, delays, or IRS/state review.
Tax fees, software fees, technology fees, e-file fees, bank product fees, refund transfer fees, or other service-related fees may vary and will be disclosed during the applicable service process.
If a client chooses a pay-by-refund or bank product option, approval and funding are subject to the rules, eligibility, timing, and decisions of the applicable bank or third-party provider.
A tax return is not filed until required client approvals, signatures, identity confirmations, payment arrangements, and applicable authorizations are completed.
7. Tax Document Uploads and Secure Information
Clients should use approved secure upload links, portals, or forms when submitting sensitive tax documents or identity documents.
PCT Pro Services LLC may decline to accept sensitive documents by unsecured methods when a secure upload option is required or recommended.
Clients are responsible for ensuring they submit complete and accurate documents before deadlines.
8. Credit Restoration Services
PCT Pro Services LLC may provide credit restoration services, dispute processing support, credit education, credit profile review, dispute letter preparation, certified mail or tracking support, client portal access, tradeline or credit-building resources, and related credit improvement tools.
Credit restoration services do not guarantee credit score increases, specific item removals, deletions, approvals, funding, tradeline results, lender decisions, credit report changes, or a specific timeline.
Results vary based on individual credit history, creditor responses, credit bureau investigations, client participation, documentation, account status, payment behavior, and applicable laws.
Clients may be required to maintain active credit monitoring through an approved provider while participating in credit restoration services. Failure to maintain required monitoring may delay or pause service.
Clients are responsible for providing accurate information, reviewing reports, uploading bureau responses, following instructions, and avoiding new harmful credit activity during the process.
9. Life Insurance Services
PCT Pro Services LLC may provide life insurance information, appointment follow-up, digital quote access, and support in connecting individuals with life insurance options.
Insurance rates, eligibility, approval, coverage, underwriting, policy terms, and issue decisions are determined by the applicable insurance carrier, underwriting process, or third-party insurance platform.
PCT Pro Services LLC does not guarantee approval, coverage, premium amount, underwriting outcome, or policy issuance.
10. Estate Planning Resources
PCT Pro Services LLC may provide access to estate planning resources, including digital will, trust, power of attorney, healthcare directive, or related planning tools through third-party platforms.
PCT Pro Services LLC is not a law firm and does not provide legal advice. Estate planning resources may be provided through third-party platforms, and those platforms may have their own terms, pricing, guarantees, refund policies, and legal disclaimers.
Users are responsible for reviewing all documents carefully and seeking legal advice from a licensed attorney when needed.
11. Digital Products, Tools, and Educational Resources
PCT Pro Services LLC may sell or provide access to digital products, financial tools, calculators, guides, templates, worksheets, courses, planning resources, and educational materials through PCT Wealth Academy, The Money System Shop, or related platforms.
Digital products are for educational, planning, and organizational purposes only. They do not guarantee financial results, savings, income increases, debt payoff, credit improvement, business growth, or any specific outcome.
Because digital products may be delivered instantly, refund eligibility may be limited and will depend on the specific product, offer, checkout terms, or stated refund policy.
12. Payments, Fees, and Refunds
Fees, payment terms, refund rules, service windows, credits, memberships, processing fees, software fees, technology fees, bank product fees, and cancellation terms may vary by service.
Specific payment and refund details will be disclosed during the applicable service process, invoice, checkout page, service agreement, membership description, or product page.
By purchasing a service or product, you agree to the payment and refund terms presented at the time of purchase.
Chargebacks, payment disputes, or unpaid invoices may result in paused service, canceled access, collection activity, or termination of services.
13. No Guarantees
PCT Pro Services LLC does not guarantee:
- Tax refund amounts
- IRS or state processing timelines
- Tax return acceptance
- Refund advances or bank product approval
- Credit score increases
- Credit report deletions
- Debt removal
- Loan, credit card, mortgage, or funding approvals
- Insurance approval or premium rates
- Estate planning legal outcomes
- Financial results
- Business results
- Digital product outcomes
- Specific timelines or third-party decisions
All services and products depend on individual facts, documentation, eligibility, third-party decisions, client participation, applicable laws, and platform availability.
14. Client Responsibilities
Clients are responsible for:
- Providing accurate and complete information
- Responding to requests in a timely manner
- Uploading documents through approved methods
- Reviewing drafts, forms, documents, and communications
- Keeping contact information current
- Reading service agreements, disclosures, and instructions
- Paying required fees on time
- Maintaining required monitoring or account access when applicable
- Seeking legal, tax, financial, or insurance advice from the appropriate licensed professional when needed
15. Third-Party Platforms and Links
PCT Pro Services LLC may use or link to third-party platforms, including but not limited to:
- Scheduling tools
- HoneyBook
- Tax portals
- Secure upload platforms
- Payment processors
- Credit monitoring providers
- Insurance quote/application platforms
- Estate planning platforms
- Email marketing platforms
- SMS/text messaging providers
- Digital product platforms
- Website hosting providers
- Analytics tools
PCT Pro Services LLC is not responsible for third-party platform outages, pricing, policies, errors, delays, security practices, eligibility decisions, approvals, denials, refunds, or service interruptions.
Your use of third-party platforms may be governed by their own terms and privacy policies.
16. Intellectual Property
All PCT Pro Services LLC website content, branding, service descriptions, digital products, graphics, guides, templates, worksheets, calculators, tools, text, designs, videos, systems, and materials are owned by or licensed to PCT Pro Services LLC unless otherwise stated.
You may not copy, resell, reproduce, distribute, modify, share, upload, or commercially exploit PCT Pro Services LLC content or digital products without written permission.
17. Limitation of Liability
To the fullest extent permitted by law, PCT Pro Services LLC is not liable for indirect, incidental, special, consequential, punitive, or financial damages related to your use of our website, services, digital products, third-party platforms, communications, or tools.
PCT Pro Services LLC is not responsible for delays, errors, missed messages, incorrect client-provided information, incomplete documents, third-party platform issues, internet outages, carrier filtering, email delivery issues, text message delivery issues, government processing delays, bank delays, credit bureau delays, insurance carrier decisions, or outcomes outside our control.
18. Service Refusal or Termination
PCT Pro Services LLC reserves the right to refuse, pause, or terminate service when necessary, including but not limited to situations involving incomplete information, nonpayment, abusive conduct, suspected fraud, unlawful activity, missed requirements, failure to maintain required monitoring, or violation of these Terms.
19. Privacy
Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, protect, and share information.
20. Changes to These Terms
PCT Pro Services LLC may update these Terms & Conditions at any time. Updates will be posted on this page with a revised effective date. Continued use of our website, forms, portals, services, digital products, emails, or SMS/text messages after updates means you accept the updated Terms.
21. Contact Information
For questions about these Terms & Conditions, contact:
PCT Pro Services LLC
Phone: 470-568-1007
Email: support@pctproservices.com
Website: https://www.pctproservices.com