Privacy Policy

Effective Date: 12/14/2024

TopTier Solutions values your privacy and is committed to protecting your personal information.

1. Information We Collect

We may collect personal and financial information, including:

• Name, contact details, and identification documents.

• Financial data, credit history, and banking information.

• Business information for loan or payment processing applications.

2. How We Use Your Information

Your information is used solely to:

• Provide credit repair, business loans, and merchant credit card processing services.

• Communicate updates or respond to your inquiries.

• Fulfill legal and regulatory obligations.

3. Data Security

We implement reasonable safeguards to protect your data from unauthorized access or breaches. However, we cannot guarantee complete security.

4. Disclaimer of Liability for Data Breaches

By using our services, you acknowledge and agree that TopTier Solutions is not liable for any data breaches, leaks, or unauthorized access caused by external factors, including cyberattacks or third-party providers.

5. Sharing of Information

We may share your information with:

• Credit bureaus, financial institutions, and payment processors.

• Third-party service providers bound by confidentiality agreements.

• Legal authorities if required by law.

6. Your Rights

You may access or request corrections to your personal data by contacting us at [email protected].

7. Updates to this Policy

We may revise this Privacy Policy. Continued use of our services signifies acceptance of any changes.

8. Contact Information

For privacy-related concerns, email us at [email protected].

Terms of Service

Effective Date: 12/14/2024

These Terms of Service govern your use of TopTier Solutions services, including credit repair, business loans, merchant credit card processing, and other offerings.

1. Acceptance of Terms

By using our services, you agree to these Terms of Service. If you do not agree, discontinue use immediately.

2. Services Provided

• Credit Repair: We assist in disputing inaccuracies on your credit report.

• Business Loans: We help secure financing for your business needs.

• Merchant Credit Card Processing: We provide solutions for secure payment processing.

• Additional services may be offered at our discretion.

3. Fees and Payments

• Payment is required upfront for most services.

• No Refund Policy: All payments are final after three (3) calendar days of the transaction. Refund requests made after this period will not be honored.

4. Limitation of Liability

To the maximum extent permitted by law:

• TopTier Solutions is not responsible for any indirect, incidental, or consequential damages.

• We are not liable for outcomes, including unsuccessful credit repair, loan denial, or payment processing issues.

• You agree not to hold TopTier Solutions or its employees liable for any claims arising from service use.

5. Indemnification

You agree to indemnify and hold harmless TopTier Solutions, its employees, and affiliates from any claims, damages, or expenses arising from your use of our services.

6. Dispute Resolution

All disputes must be resolved through arbitration in New York and you waive your right to file lawsuits or join class actions against TopTier Solutions

7. Termination of Services

We reserve the right to terminate services at our discretion for any reason, including non-compliance with these terms.

8. Governing Law

These Terms are governed by the laws of New York.

9. Contact Information

For any inquiries, contact us at [email protected]