Effective Date: [02/10/2026]

These Terms and Conditions (“Agreement”) govern your use of the website and services provided by RA & AA Consulting Services (“Company,” “we,” “us,” or “our”).

By accessing our website, purchasing services, or engaging in consultations, you agree to be legally bound by this Agreement.

If you do not agree, do not use our services.

1. Scope of Services

RA & AA Consulting Services provides business structuring assistance, including but not limited to:

LLC formation guidance

Nonprofit formation guidance

Corporation setup assistance

Business compliance guidance

Funding preparation and positioning guidance

We do not provide legal, tax, or financial advisory services. We are not attorneys, accountants, or licensed financial advisors.

All information provided is for educational and informational purposes only.

2. No Guarantees

We do not guarantee:

Business approval

Funding approval

Loan amounts

Credit score changes

Government approval timelines

Profitability or business success

Results vary based on individual circumstances, financial history, market conditions, and third-party decisions beyond our control.

3. No Refund Policy

All sales are final.

Due to the nature of consulting services, digital products, strategic guidance, and intellectual property shared during consultations, we do not offer refunds under any circumstances.

By purchasing our services, you acknowledge and agree to this no-refund policy.

4. Client Responsibility

You agree that:

You are responsible for the accuracy of all information you provide.

You are responsible for your own business decisions.

You understand that implementation and results depend on your actions.

We are not responsible for outcomes resulting from incomplete, inaccurate, or misleading information provided by you.

5. Limitation of Liability

To the fullest extent permitted by law, RA & AA Consulting Services shall not be liable for:

Indirect, incidental, or consequential damages

Loss of income or profits

Business interruption

Funding denials

Credit decisions made by lenders

Government filing rejections

Any decisions made based on consultation guidance

Our total liability shall not exceed the amount paid by the client for services rendered.

6. Indemnification

You agree to indemnify, defend, and hold harmless RA & AA Consulting Services, its owners, affiliates, employees, and contractors from any claims, damages, liabilities, losses, or expenses arising from:

Your misuse of our services

Your business operations

Your violation of this Agreement

Any third-party disputes related to your business activities

7. Dispute Resolution & Arbitration

Any dispute arising from or relating to these Terms shall be resolved through binding arbitration in the State of [Florida].

You agree to waive the right to participate in class actions or jury trials.

Each party shall bear its own legal fees unless otherwise required by law.

8. Intellectual Property

All content, materials, templates, strategies, and digital products provided by RA & AA Consulting Services remain the intellectual property of the Company.

You may not reproduce, distribute, resell, or share our materials without written consent.

9. Termination of Services

We reserve the right to refuse or terminate services at our discretion if:

A client becomes abusive or uncooperative

Fraudulent information is provided

Payment disputes are initiated

Termination does not entitle the client to a refund.

10. Modifications

We reserve the right to update these Terms at any time. Continued use of services constitutes acceptance of any modifications.

11. Governing Law

This Agreement shall be governed by the laws of the State of [Insert Your State], without regard to conflict of law principles.