Terms & Conditions
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# Terms & Conditions
Effective Date: June 8, 2026
These Terms & Conditions (“Terms”) govern your use of PCT Pro Services LLC websites, affiliated websites, parent or related brands, service pages, lead magnet tools, calculators, quizzes, forms, appointment links, client portals, digital products, paid tools, courses, email communications, SMS/text messaging services, partner links, third-party redirects, and related service platforms.
PCT Pro Services LLC (“PCT Pro Services,” “PCT,” “we,” “us,” or “our”) provides professional support services, tax preparation support, financial education tools, PCT Learn tools, PCT Wealth Academy resources, Life Building School resources, Elite 800 information and support, life insurance education and quote-routing support, estate planning resources through partner platforms, digital products, appointment scheduling, document collection, client intake, and related business and financial organization tools.
By using our website, submitting a form, booking an appointment, purchasing a product, opting into emails or text messages, uploading documents, using a tool, clicking a partner link, or requesting services, you agree to these Terms.
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## 1. Business Information
PCT Pro Services LLC Headquarters
8735 Dunwoody Place, Ste R
Atlanta, GA 30350
United States
Phone: 470-568-1007
Email: [support@pctproservices.com](mailto:support@pctproservices.com)
Website: [https://www.pctproservices.com](https://www.pctproservices.com)
Important Location Notice:
Our headquarters address is a business mailing and administrative address. All appointments, consultations, service meetings, and client support sessions are conducted by phone, virtual meeting, secure portal, email, or approved online communication methods only. No in-person appointments, walk-ins, or document drop-offs are available at this location.
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## 2. Affiliated Websites, Brands, and Related Platforms
These Terms apply to PCT Pro Services LLC and all websites, pages, forms, tools, services, digital products, lead magnets, appointment links, client portals, checkout pages, email campaigns, SMS/text messaging programs, and related platforms owned, operated, powered by, affiliated with, or promoted by PCT Pro Services LLC.
This includes, but is not limited to:
* PCT Pro Services LLC
* PCT Professional Services LLC
* PCT Pro Services
* PCT Learn
* PCT Wealth Academy
* Life Building School
* Life Building 103
* The Money System Shop
* Pro in Your Pocket™
* Elite 800
* PCT QuickFile
* Any PCT-branded financial tools, calculators, scorecards, audits, forms, courses, lead magnet pages, service pages, digital products, or partner offer pages
These Terms also apply to the following websites and related pages, including any subpages, forms, embedded tools, checkout pages, redirects, or connected service platforms:
* [https://www.pctproservices.com](https://www.pctproservices.com)
* [https://pctproservices.com](https://pctproservices.com)
* [https://www.pctlearn.com](https://www.pctlearn.com)
* [https://pctlearn.com](https://pctlearn.com)
* [https://www.pctquickfile.com](https://www.pctquickfile.com)
* [https://pctquickfile.com](https://pctquickfile.com)
* [https://www.elite800creditprogram.com](https://www.elite800creditprogram.com)
* [https://elite800creditprogram.com](https://elite800creditprogram.com)
* [https://memberaccount.pctproservices.com](https://memberaccount.pctproservices.com)
* [https://www.mymelaninbroker.com](https://www.mymelaninbroker.com)
* [https://mymelaninbroker.com](https://mymelaninbroker.com)
These Terms also apply when PCT Pro Services LLC uses or links to third-party platforms for scheduling, payment processing, tax preparation, secure uploads, credit monitoring, life insurance quotes, estate planning products, digital product delivery, email marketing, SMS messaging, analytics, advertising, or client communication.
Some products, services, or purchases may be completed through third-party or partner platforms, including but not limited to insurance platforms, estate planning platforms, credit monitoring providers, tax technology platforms, checkout processors, and digital product platforms. Those third-party platforms may have their own terms, privacy policies, refund policies, pricing, eligibility rules, disclosures, and service limitations. By using a third-party or partner platform, you agree to review and follow that platform’s applicable terms.
PCT Pro Services LLC may receive compensation, referral fees, affiliate commissions, or partner compensation when users purchase, enroll, or apply through certain partner links. Any such relationship does not guarantee that a product, service, platform, or offer is right for every person. Users are responsible for reviewing pricing, terms, cancellation rules, eligibility requirements, privacy policies, and purchase details before completing any transaction.
If any affiliated website, brand, tool, or platform has additional terms, checkout terms, service agreements, consent forms, disclaimers, refund rules, or partner disclosures, those additional terms apply together with these Terms.
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## 3. Use of Our Websites, Tools, and Services
You agree to use our websites, forms, portals, calculators, quizzes, tools, digital products, and services for lawful purposes only.
You agree not to:
* Submit false, misleading, incomplete, or fraudulent information
* Attempt unauthorized access to our systems, portals, forms, or accounts
* Interfere with website or tool operations
* Copy, resell, distribute, or misuse our protected content
* Use our services or tools for unlawful, deceptive, abusive, or fraudulent activity
* Upload harmful files, viruses, malware, or prohibited content
* Misrepresent your identity, eligibility, financial information, tax information, or service needs
You agree that all information you provide to PCT Pro Services LLC is accurate, complete, and current to the best of your knowledge.
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## 4. Educational Tools and Lead Magnets
PCT Pro Services LLC may offer free or paid educational tools, calculators, quizzes, checklists, audits, readiness checks, and lead magnet resources through PCT Learn, PCT Wealth Academy, PCT Pro Services, or related platforms.
These tools may include, but are not limited to:
* Tax refund and filing readiness calculators
* Financial needs analysis tools
* Money clarity scorecards
* Financial profile readiness checks
* Life insurance fit checks
* Will and trust readiness tools
* Probate education tools
* Budgeting, paycheck, and financial organization tools
* Digital worksheets, planners, calculators, templates, and courses
Unless clearly stated otherwise, these tools are for educational, informational, planning, and organizational purposes only.
Tool results are based on the information you enter and may not reflect your complete financial, tax, legal, insurance, or personal situation. Tool results do not guarantee approval, eligibility, pricing, savings, refund amounts, tax outcomes, insurance coverage, legal outcomes, score changes, financial results, or any specific result.
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## 5. No Professional Advice Unless Specifically Engaged
Information provided through our websites, tools, emails, texts, social media, digital products, and educational resources is general information only.
Unless you have formally engaged PCT Pro Services LLC for a specific paid service and all required documents, agreements, approvals, and payments have been completed, no content should be treated as personalized tax, legal, financial, investment, insurance, or professional advice.
PCT Pro Services LLC is not a law firm and does not provide legal advice. Estate planning resources may be provided through third-party partner platforms.
You should consult the appropriate licensed professional when needed for tax, legal, financial, insurance, or business decisions.
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## 6. Appointment-Only and Virtual Service Model
PCT Pro Services LLC operates by appointment and virtual service process only.
Consultations, onboarding, document review, service support, and follow-up may be conducted by:
* Phone
* Online meeting
* SMS/text message
* Secure upload link
* Client portal
* Scheduling platform
* HoneyBook or similar business tools
* Partner platform or approved online service process
Submitting a form, using a tool, requesting information, leaving a voicemail, sending a message, booking a call, or clicking a service link does not guarantee service acceptance, eligibility, completion, approval, pricing, or a specific outcome.
No in-person services, appointments, consultations, meetings, or walk-ins are available at the PCT Pro Services LLC headquarters address.
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## 7. Communication Terms
PCT Pro Services LLC may communicate with you by phone, email, text message, voicemail, client portal, secure upload platform, scheduling platform, HoneyBook, website form, or other approved business communication tools.
You agree to keep your contact information updated and to monitor your email, text messages, voicemail, and client portals for important updates.
You understand that missed messages, outdated contact information, full voicemail boxes, email filtering, carrier blocking, spam folders, or failure to check communications may delay service.
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## 8. Email Communication Terms
By providing your email address, you agree that PCT Pro Services LLC may send emails related to:
* Inquiries
* Appointments
* Service updates
* Intake reminders
* Document requests
* Quotes
* Invoices
* Receipts
* Digital product delivery
* Educational content
* Tool results
* Checklist delivery
* Partner recommendations
* Follow-up messages
* Promotional offers
* PCT Learn and PCT Wealth Academy updates
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, purchases, appointments, payments, document collection, compliance, or client support.
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## 9. 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:
* Appointment reminders
* Intake reminders
* Document upload reminders
* Service updates
* Quote follow-up
* Digital product updates
* Tool result follow-up
* Tax season reminders
* Elite 800 follow-up
* Life insurance follow-up
* Estate planning follow-up
* PCT Learn and PCT Wealth Academy updates
* Occasional promotional messages
Message frequency varies. Message and data rates may apply.
You may opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to a text message from us. You may also contact us at [support@pctproservices.com](mailto:support@pctproservices.com) or 470-568-1007 to request removal from SMS communications.
For help, reply HELP or contact PCT Pro Services LLC at 470-568-1007 or [support@pctproservices.com](mailto:support@pctproservices.com).
Consent to receive text messages is not required to purchase services or products 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.
Text messaging originator opt-in data and consent will not be shared with third parties for marketing or promotional purposes.
Delivery of text messages is subject to carrier availability and is outside our full control. Wireless carriers are not responsible for delayed or undelivered messages.
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## 10. Advertising, Landing Pages, and Promotional Claims
PCT Pro Services LLC aims to present clear, truthful, and transparent information in advertisements, landing pages, tools, service pages, and promotional materials.
We do not guarantee specific outcomes, approvals, savings, refunds, score changes, financial results, tax results, insurance approval, legal outcomes, or business results.
Any examples, testimonials, educational scenarios, calculators, estimated results, or sample outcomes are for informational purposes only and do not guarantee that you will receive the same or similar results.
If a page, tool, or advertisement says a resource is “free,” the free resource will provide educational or informational value. Some tools may also recommend optional paid products, services, subscriptions, memberships, partner resources, or next steps.
Pricing, availability, service eligibility, partner offers, product details, and checkout terms may change and should be reviewed at the time of purchase or application.
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## 11. 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/state 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
* A maximum refund
* A tax outcome
* IRS or state processing time
* Refund timing
* Return acceptance
* Approval of credits
* Avoidance of audits, notices, offsets, delays, or reviews
* Refund advance or bank product approval
Tax fees, software fees, technology fees, e-file fees, bank product fees, refund transfer fees, payment processing fees, and other service-related fees may vary and will be disclosed during the applicable service process.
If a client chooses a pay-by-refund, refund transfer, advance, 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.
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## 12. Tax Document Uploads and Sensitive Information
Clients should use approved secure upload links, portals, or forms when submitting tax documents, identity documents, income records, or other sensitive information.
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, accurate, and timely documents before applicable deadlines.
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## 13. Elite 800, Financial Profile Education, and Related Support
PCT Pro Services LLC may provide information, education, tools, document organization, profile readiness support, guided next steps, partner resources, and service pathways related to Elite 800 and financial profile support.
No service, tool, program, or partner resource guarantees:
* Score changes
* Item updates
* Report changes
* Funding approvals
* Loan approvals
* Credit card approvals
* Mortgage approvals
* Deletions
* Specific timelines
* Specific lender decisions
* Specific financial outcomes
Results vary based on individual history, account status, documentation, creditor responses, bureau processes, client participation, payment behavior, applicable laws, and third-party decisions.
Clients may be asked to maintain active monitoring or provide report access through an approved provider when participating in certain services. Failure to maintain required monitoring or provide requested information may delay or pause service.
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## 14. Credit Monitoring and Partner Links
PCT Pro Services LLC may recommend third-party monitoring platforms or partner services for educational, visibility, or document review purposes.
Monitoring is optional unless specifically required for a particular service agreement.
PCT Pro Services LLC may receive compensation if you sign up through certain partner or affiliate links. Any such relationship does not guarantee that a partner product is right for every person.
You are responsible for reviewing the partner’s pricing, terms, cancellation rules, privacy policy, and product details before enrolling.
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## 15. Life Insurance Information and Quote Routing
PCT Pro Services LLC may provide life insurance education, quote-readiness tools, intake support, appointment follow-up, and support in connecting individuals with life insurance options.
Insurance availability, pricing, eligibility, approval, coverage, underwriting, policy terms, and issue decisions are determined by the applicable insurance carrier, underwriting process, state availability, or third-party insurance platform.
PCT Pro Services LLC does not guarantee:
* Approval
* Coverage
* Premium amount
* Underwriting outcome
* Policy issuance
* Eligibility
* Specific pricing
* Carrier acceptance
Life insurance tools are educational only and are not quotes, approvals, or offers of coverage.
PCT Pro Services LLC may only provide direct broker support in states where properly licensed or authorized. Users outside supported states may be routed to third-party or partner platforms where available.
Do not submit sensitive medical details through general website tools or unsecured forms. Any required health-related information should be provided only through approved insurance intake, quote, application, or carrier processes.
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## 16. Estate Planning Resources, Wills, Trusts, and Partner Platforms
PCT Pro Services LLC may provide access to estate planning education, readiness tools, plan comparison resources, and partner links for digital wills, trusts, powers of attorney, healthcare directives, medical consent documents, or related planning tools.
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, including Ethos or other partner providers. Those platforms may have their own terms, pricing, guarantees, refund policies, state availability rules, legal disclaimers, and document review options.
Estate planning needs vary by state, family structure, assets, beneficiaries, property ownership, and legal requirements.
Users are responsible for reviewing all documents carefully and seeking legal advice from a licensed attorney when needed.
PCT Pro Services LLC may receive compensation when you purchase through certain estate planning partner links.
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## 17. PCT Learn, PCT Wealth Academy, Digital Products, and Educational Resources
PCT Pro Services LLC may sell or provide access to digital products, tools, calculators, guides, templates, worksheets, courses, planning resources, memberships, and educational materials through PCT Learn, PCT Wealth Academy, The Money System Shop, or related platforms.
Digital products and educational resources are for educational, planning, and organizational purposes only.
They do not guarantee:
* Financial results
* Savings
* Income increases
* Debt payoff
* Business growth
* Tax outcomes
* Score changes
* Approval results
* Insurance coverage
* Legal outcomes
* Specific timelines
Because digital products may be delivered instantly, refund eligibility may be limited and will depend on the specific product, offer, checkout terms, membership terms, or stated refund policy.
You may not share, resell, reproduce, distribute, upload, or commercially exploit digital products, tools, templates, course materials, or paid resources without written permission.
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## 18. Payments, Fees, Memberships, and Refunds
Fees, payment terms, refund rules, service windows, membership access, credits, processing fees, software fees, technology fees, bank product fees, subscription fees, and cancellation terms may vary by service or product.
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, product, membership, tool, course, or digital resource, you agree to the payment and refund terms presented at the time of purchase.
Chargebacks, payment disputes, unpaid invoices, failed payments, or reversed payments may result in paused service, canceled access, collection activity, or termination of services.
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## 19. 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
* Elite 800 results
* Score changes
* Report changes
* Funding approvals
* Loan approvals
* Insurance approval or premium rates
* Policy issuance
* Estate planning legal outcomes
* Probate outcomes
* Financial results
* Business results
* Digital product outcomes
* Academy or course outcomes
* Specific timelines
* Third-party decisions
* Any specific result from using a tool, resource, service, or partner platform
All services and products depend on individual facts, documentation, eligibility, third-party decisions, client participation, applicable laws, and platform availability.
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## 20. Client and User Responsibilities
Clients and users 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
* Reviewing third-party partner terms before purchasing or applying
* Seeking legal, tax, financial, or insurance advice from the appropriate licensed professional when needed
Failure to meet these responsibilities may delay, pause, limit, or prevent services.
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## 21. 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
* Advertising platforms
* Affiliate or partner platforms
PCT Pro Services LLC is not responsible for third-party platform outages, pricing, policies, errors, delays, security practices, eligibility decisions, approvals, denials, refunds, cancellation rules, or service interruptions.
Your use of third-party platforms may be governed by their own terms and privacy policies.
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## 22. Privacy and Information Use
Your use of our website, tools, forms, services, portals, communications, and platforms is also governed by our Privacy Policy, which explains how we collect, use, protect, and share information.
By submitting information through a form, tool, intake page, quiz, calculator, checkout, appointment link, or partner path, you authorize PCT Pro Services LLC to use the information to respond to your inquiry, provide requested services, deliver tool results, recommend relevant next steps, process purchases, manage client communication, and follow up with you as permitted by law and your communication preferences.
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## 23. Intellectual Property
All PCT Pro Services LLC website content, branding, service descriptions, digital products, graphics, guides, templates, worksheets, calculators, tools, text, designs, videos, systems, course materials, marketing materials, and related content 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.
Purchasing or accessing a digital product, tool, course, or membership gives you personal-use access only unless written permission states otherwise.
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## 24. Service Refusal, Pausing, 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
* Missing documents
* Nonpayment
* Chargebacks
* Abusive, threatening, or inappropriate conduct
* Suspected fraud
* Unlawful activity
* Missed requirements
* Failure to maintain required monitoring or account access
* Failure to respond to important communications
* Violation of these Terms
* Requests outside our service scope or licensing authority
If service is refused, paused, or terminated, refund eligibility will depend on the service stage, work completed, product delivered, agreement terms, and applicable refund policy.
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## 25. 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 websites, services, digital products, tools, third-party platforms, communications, partner links, or resources.
PCT Pro Services LLC is not responsible for:
* Delays
* Errors caused by incorrect client-provided information
* Missed messages
* 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
* Estate planning platform decisions
* Partner platform issues
* Outcomes outside our control
Your use of our websites, tools, digital products, services, and partner links is at your own discretion and risk.
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## 26. Mobile Messaging Program Additional Terms
PCT Pro Services LLC may offer a mobile messaging program that allows users to receive SMS/MMS mobile messages by affirmatively opting into the program through online forms, service forms, appointment forms, tool forms, checkout pages, or other enrollment methods.
By participating in the mobile messaging program, you agree to receive mobile messages at the phone number associated with your opt-in. These messages may include service-related, transactional, educational, reminder, follow-up, and promotional messages.
Message and data rates may apply. Message frequency varies.
You may opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to a message from us. You may receive one additional message confirming your opt-out.
You understand that replying with words other than the listed opt-out keywords or making verbal requests may not be a reliable opt-out method. You may also contact [support@pctproservices.com](mailto:support@pctproservices.com) for assistance.
If you stop using or transfer the mobile number used to subscribe, you agree to opt out before discontinuing use of that number. If you fail to do so, you may be responsible for claims or costs resulting from messages sent to a person later assigned that number, to the fullest extent permitted by law.
You agree not to send prohibited content through any messaging platform, including fraudulent, defamatory, threatening, harassing, unlawful, obscene, discriminatory, harmful, or malicious content.
The mobile messaging program is offered on an “as-is” basis and may not be available in all areas at all times. Wireless carriers are not liable for delayed or undelivered messages.
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## 27. Age Restriction
You may not use or engage with our websites, tools, forms, platforms, services, or mobile messaging program if you are under thirteen (13) years of age.
If you are between thirteen (13) and eighteen (18) years of age, you may only use or engage with our platforms with the permission of a parent or legal guardian.
Certain services, purchases, applications, tax filings, insurance products, estate planning products, financial products, or contracts may require you to be at least eighteen (18) years of age or otherwise legally authorized to participate.
By using our websites, tools, forms, services, or platforms, you confirm that you are permitted by applicable law to do so.
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## 28. Dispute Resolution
In the event of any dispute, claim, or controversy between you and PCT Pro Services LLC arising out of or relating to these Terms, our websites, tools, services, digital products, communications, mobile messaging program, partner links, or related transactions, the parties agree to first attempt to resolve the matter informally by contacting PCT Pro Services LLC at [support@pctproservices.com](mailto:support@pctproservices.com).
If the matter cannot be resolved informally, disputes may be handled through binding arbitration to the fullest extent permitted by law, unless prohibited by applicable law.
Any arbitration shall be conducted on an individual basis only. Class actions, collective actions, and representative proceedings are not permitted to the fullest extent allowed by law.
If any part of this dispute resolution section is found invalid or unenforceable, the remaining provisions shall remain in effect to the fullest extent permitted by law.
If a dispute proceeds in court rather than arbitration, the parties waive any right to a jury trial to the fullest extent permitted by law.
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## 29. Governing Law
These Terms shall be governed by and interpreted according to the laws of the State of Georgia, without regard to conflict-of-law principles, unless another law is required to apply.
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## 30. 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 websites, forms, tools, portals, services, digital products, emails, SMS/text messages, partner links, or platforms after updates means you accept the updated Terms.
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## 31. Contact Information
For questions about these Terms & Conditions, contact:
PCT Pro Services LLC Headquarters
8735 Dunwoody Place, Ste R
Atlanta, GA 30350
United States
Phone: 470-568-1007
Email: [support@pctproservices.com](mailto:support@pctproservices.com)
Website: [https://www.pctproservices.com](https://www.pctproservices.com)
Location Notice:
This is a headquarters mailing and business address only. All appointments, consultations, and client support are conducted by virtual meeting, phone, secure portal, email, or approved online communication methods. No in-person appointments or walk-ins are available at this location.