1. Acceptance of Terms

 

By accessing or using this website, services, consultations, communications, or programs provided by DNA Financial Advisors, LLC (“Company,” “we,” “our,” or “us”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must discontinue use of the website and services immediately.

These Terms constitute a legally binding agreement between you and DNA Financial Advisors, LLC.

2. Nature of Services

 

DNA Financial Advisors, LLC provides financial education, credit consulting, credit-related advisory services, financial strategy guidance, and related support services.

 

The Company is not:

• A bank;

• A lender;

• A law firm;

• A credit bureau;

• A debt settlement company;

• A tax advisory firm; or

• An investment advisor registered under the Investment Advisers Act unless otherwise expressly stated.

 

No information provided through this website or services shall be construed as legal, tax, investment, or financial guarantee advice.

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3. Credit Repair Organizations Act (“CROA”) Compliance

 

Pursuant to the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq.:

 

You acknowledge and understand:

• You have the right to dispute inaccurate information directly with consumer reporting agencies at no cost.

• You have the right to obtain a free copy of your consumer report under applicable federal law.

• The Company cannot guarantee the removal of accurate, timely, or verifiable information from your credit reports.

• The Company cannot guarantee any specific increase in credit score, approval outcome, or financial result.

 

The Company shall not:

• Make misleading representations;

• Charge or receive payment for credit repair services before such services are fully performed where prohibited by law; or

• Advise consumers to provide false or misleading information to any creditor or consumer reporting agency.

 

4. Fair Credit Reporting Act (“FCRA”) Notice

 

Under the Fair Credit Reporting Act, consumers have the right to:

• Obtain a copy of their credit report;

• Dispute inaccurate or incomplete information;

• Request reinvestigation of disputed items;

• Place fraud alerts or security freezes when applicable.

 

The Company acts solely as a consultant and facilitator and does not control the reporting practices of consumer reporting agencies, creditors, or furnishers of information.

 

5. Equal Credit Opportunity Act (“ECOA”) Disclaimer

 

DNA Financial Advisors, LLC does not discriminate on the basis of:

• Race;

• Color;

• Religion;

• National origin;

• Sex;

• Marital status;

• Age;

• Receipt of public assistance; or

• Exercise of rights under the Consumer Credit Protection Act.

 

All services shall be offered in compliance with the Equal Credit Opportunity Act, 15 U.S.C. § 1691 et seq.

 

6. Truth in Lending Act (“TILA”) Disclosure

 

The Company does not originate loans or extend consumer credit unless expressly disclosed otherwise.

Any financing-related examples, educational materials, estimated savings, approval discussions, or rate discussions provided through this website are illustrative only and do not constitute a lending offer, commitment, or guarantee.

Actual lending terms are determined solely by third-party lenders and financial institutions.

 

7. California Consumer Privacy Act (“CCPA”) Notice

 

For California residents, the Company provides disclosures consistent with the California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”).

 

California residents may have rights to:

• Know what personal information is collected;

• Request deletion of personal information;

• Request correction of inaccurate information;

• Limit use of sensitive personal information where applicable; and

• Opt out of certain data-sharing practices.

 

Requests may be submitted using the contact information listed below.

8. No Guarantee of Results

 

The Company makes no guarantee regarding:

• Credit score increases;

• Loan approvals;

• Interest rates;

• Deletion of negative items;

• Financial outcomes; or

• Timeframes for results.

 

Past performance is not indicative of future results.

 

9. Client Responsibilities

 

You agree to:

• Provide truthful and accurate information;

• Cooperate with reasonable requests for documentation;

• Review all communications and disclosures;

• Maintain responsibility for your financial decisions; and

• Refrain from submitting fraudulent or misleading information.

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Failure to provide accurate information may limit the Company’s ability to provide services.

 

10. Electronic Communications Consent

 

By submitting information through this website, booking appointments, or engaging with the Company, you consent to receive communications electronically, including:

• Emails;

• SMS/text messages;

• Appointment reminders;

• Service updates; and

• Marketing communications where permitted by law.

 

Message and data rates may apply. Consent is not a condition of purchase.

 

You may opt out of marketing communications at any time.

 

11. Intellectual Property

 

All website content, branding, graphics, logos, text, designs, service marks, and proprietary materials are owned by DNA Financial Advisors, LLC and protected under applicable intellectual property laws.

Unauthorized reproduction or use is prohibited.

 

12. Limitation of Liability

 

To the maximum extent permitted by law, DNA Financial Advisors, LLC shall not be liable for:

• Indirect damages;

• Consequential damages;

• Lost profits;

• Credit denials;

• Lending decisions;

• Reporting actions by third parties; or

• Consumer reporting agency actions.

 

All services are provided “as is” and “as available.”

 

13. Indemnification

 

You agree to indemnify and hold harmless DNA Financial Advisors, LLC, its owners, affiliates, contractors, employees, and agents from any claims, liabilities, damages, or expenses arising from:

• Your misuse of services;

• Your violation of these Terms; or

• Your violation of applicable law.

 

14. Governing Law

 

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict of law principles.

Any disputes shall be resolved exclusively in the appropriate state or federal courts located within Illinois.

 

15. Mandatory Pre-Dispute Resolution & Binding Arbitration

 

As a condition precedent to the initiation of any formal legal claim, lawsuit, arbitration demand, regulatory complaint (to the extent permitted by law), or other dispute proceeding, the Client and DNA Financial Advisors, LLC agree to participate in a mandatory pre-dispute resolution conference.

 

Mandatory Pre-Dispute Resolution Conference

 

The parties agree that:

• The conference shall occur live via Zoom or comparable video conferencing platform;

• The conference shall be scheduled within a commercially reasonable timeframe after written notice of dispute is provided by either party;

• The conference shall last no less than thirty (30) minutes unless mutually concluded earlier;

• The conference shall be attended by the Client and an authorized representative of DNA Financial Advisors, LLC;

• The conference may be audio and/or video recorded by the Company for documentation, compliance, quality assurance, and dispute resolution purposes;

• The Company shall bear the reasonable cost of the video conferencing platform utilized for the conference; and

• Both parties shall participate in good faith in an effort to resolve the dispute informally prior to arbitration.

 

Failure by either party to participate in the mandatory pre-dispute resolution conference in good faith may be asserted in any subsequent arbitration proceeding.

 

Binding Arbitration Agreement

 

If the dispute is not resolved through the mandatory pre-dispute resolution conference, the parties agree that any claim, dispute, controversy, or cause of action arising out of or relating to:

• these Terms;

• the website;

• services provided;

• communications between the parties; or

• the relationship between the parties,

 

shall be resolved exclusively through final and binding arbitration.

 

Arbitration Rules & Venue

 

Arbitration shall:

• Be administered by JAMS or a mutually agreed private arbitrator;

• Be conducted in Champaign County, Illinois, or the county in which DNA Financial Advisors, LLC maintains its principal place of business at the time the dispute arises;

• Be governed by the Federal Arbitration Act (“FAA”) to the maximum extent permitted by law; and

• Be conducted before a single arbitrator.

 

If JAMS is unavailable, unwilling, or unable to administer the arbitration, the parties agree that a substitute private arbitration provider or arbitrator located within the applicable county may be selected by the Company.

 

Waiver of Jury Trial & Class Actions

 

To the fullest extent permitted by law, both parties knowingly and voluntarily waive:

• Any right to trial by jury; and

• Any right to participate in a class action, class arbitration, representative action, or consolidated proceeding.

All disputes must be brought solely in an individual capacity.

 

Exceptions

 

Nothing in this section shall prohibit either party from:

• Seeking temporary injunctive relief;

• Filing a claim in small claims court where jurisdictionally appropriate; or

• Complying with lawful governmental or regulatory inquiries.

 

Severability

 

If any portion of this arbitration provision is found unenforceable, the remaining portions shall remain in full force and effect to the maximum extent permitted by law.

 

15. Modifications

 

The Company reserves the right to modify these Terms at any time without prior notice. Continued use of the website or services following modifications constitutes acceptance of revised Terms.

 

16. Contact Information

 

DNA Financial Advisors, LLC
Email: ross@dnafinancialadvisors.com
Phone: 888-635-0035
Website: www.dnafinancialadvisors.com