Welcome to Burning Cactus Solutions LLC (“Company,” “we,” “our,” or “us”). By accessing or using our website, booking a consultation, enrolling in our credit-education or credit-repair programs, or communicating with us electronically, you agree to these Terms of Service and our Privacy Policy.
If you do not agree with these terms, you must not use our website or services.
2. Compliance with the Credit Repair Organizations Act (CROA)
Burning Cactus Solutions operates in full compliance with the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and applicable state consumer-protection laws.
Under federal law:
We do not collect or accept any payment until services have been performed in full.
You have a three (3)-business-day right to cancel your contract without charge.
We make no guarantee of specific results, credit-score increases, or removal of accurate information.
You have the right to dispute inaccurate information with credit bureaus on your own at no cost.
We provide education, coaching, and professional assistance to help you understand and exercise your consumer rights.
3. Compliance with the Telemarketing Sales Rule (TSR)
We strictly adhere to the FTC Telemarketing Sales Rule (16 C.F.R. Part 310):
No fees are charged before services are fully performed.
All material terms of the offer are disclosed clearly before payment.
Clients are informed of their cancellation rights in writing.
All calls and SMS communications comply with Do Not Call (DNC) registry requirements.
You may opt out of communications at any time by replying STOP to an SMS or contacting us at [email protected].
We maintain internal DNC lists and honor all opt-out requests promptly.
4. Eligibility
You must be 18 years of age or older and a U.S. resident to enroll in our services or submit personal information. By using this site, you represent that all information you provide is accurate and truthful.
5. Description of Services
Burning Cactus Solutions provides:
Credit-education and financial-literacy programs.
Credit-report analysis and consultation.
Credit-repair assistance through dispute preparation and document management.
We are not a credit bureau, lender, or law firm, and we do not offer legal advice.
6. Enrollment and Payment
You will receive a written agreement describing all services and pricing before any work begins.
Payments (if applicable) are processed only after performance of initial services, in accordance with CROA and TSR requirements.
All billing is handled through secure, PCI-compliant processors.
7. Client Responsibilities
By enrolling, you agree to:
Provide accurate and complete information.
Review and sign any required authorization forms.
Maintain open communication and promptly respond to requests.
Use your own identity and refrain from submitting fraudulent or false information.
8. No Guarantee of Results
While our services aim to help you improve your credit profile, we cannot and do not guarantee any specific outcome, score increase, or removal of verified items. Results vary based on individual credit histories, lender reporting, and bureau response times.
9. Electronic Communications Consent
By providing your contact information, you consent to receive emails, SMS messages, and phone calls from Burning Cactus Solutions LLC regarding your inquiry or enrollment. Message and data rates may apply. You may withdraw consent at any time by replying “STOP” to text messages or emailing us at [email protected].
10. Affiliate and Third-Party Links
Our site and forms may include affiliate or referral links to third-party platforms such as Credit Hero Score or MyScoreIQ. When you click those links or enroll, we may receive a commission. All partners maintain their own privacy policies and terms of service; we are not responsible for their content or actions.
11. Intellectual Property
All content, logos, and materials on this site are the property of Burning Cactus Solutions LLC. You may not copy, reproduce, or distribute any material without written permission.
12. Limitation of Liability
To the fullest extent permitted by law, Burning Cactus Solutions LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services. Our total liability shall not exceed the amount paid for the specific service giving rise to the claim.
13. Indemnification
You agree to indemnify and hold harmless Burning Cactus Solutions LLC, its officers, employees, and affiliates from any claim or demand arising from your use of our website, services, or violation of these terms.
14. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any disputes will be resolved in the appropriate state or federal court located in Bexar County, Texas.
15. Changes to These Terms
We may update these Terms from time to time. The revised version will be posted with a new effective date. Continued use of our site or services constitutes acceptance of any changes.
16. Contact Information
If you have any questions regarding these Terms or your consumer rights, please contact us:
