Terms and Conditions – W&H Financial Solutions
Last Updated: May 23, 2026
These Terms and Conditions (“Terms”) govern your access to and use of the website, forms, communications, services, and related business activities of Whitfield-Hill & Associates LLC d/b/a W&H Financial Solutions (“W&H Financial Solutions,” “Company,” “we,” “us,” or “our”).
By using our website, submitting a form, requesting information, communicating with us, purchasing services, or opting in to receive communications from us, you agree to these Terms. If you do not agree with these Terms, please do not use our website, submit information, or use our services.
Important: Consent to receive marketing text messages is not a condition of purchase. You may use our services without agreeing to receive promotional SMS messages.
1. Services and Use of Website
W&H Financial Solutions provides business, financial, customer support, onboarding, communication, and related consulting services. Information on our website is provided for general informational and business purposes only.
We reserve the right to modify, suspend, refuse, or discontinue any service, website feature, offer, communication, or business activity at any time, subject to applicable law and any written agreement between you and us.
2. Eligibility
You must be at least 18 years old to use our services, submit information, enter into agreements with us, or consent to receive SMS/text communications from us.
By using our website or services, you represent that you are at least 18 years old and have the legal authority to provide the information submitted to us.
3. Accuracy of Information You Provide
You agree to provide true, accurate, current, and complete information when submitting forms, requesting services, communicating with us, or using our website. You are responsible for promptly notifying us of any changes to your contact information, account information, phone number, email address, mailing address, or other information necessary for us to provide services or communicate with you.
4. SMS/Text Messaging Program and Use Cases
By opting in to receive text messages from Whitfield-Hill & Associates LLC d/b/a W&H Financial Solutions, you agree to receive SMS/text messages related to customer care, customer support, responses to inquiries, appointment reminders, onboarding updates, account notifications, document reminders, service updates, payment or billing reminders where applicable, and other service-related communications.
If you separately consent to marketing or promotional text messages, you may also receive messages about special offers, promotions, service updates, event announcements, limited-time offers, or other marketing communications from us.
We may use SMS/text messaging to communicate with individuals who have voluntarily provided their phone number and opted in through our website forms, customer forms, service forms, or other approved opt-in methods. Each SMS consent checkbox is intended to be optional, unchecked by default, and separate from general form submission.
5. SMS Consent Is Not Required
You are not required to consent to marketing SMS/text messages as a condition of purchasing any goods or services. You may choose not to opt in to promotional text messages and may still use our services, subject to normal service communications that may be necessary to respond to your inquiry, manage your account, provide requested services, or comply with applicable obligations.
6. Message Frequency Disclosure
Message frequency may vary depending on your interactions with us, your account activity, appointments, service status, document submission status, support requests, promotions, or communication preferences.
You may receive recurring messages when you have an active inquiry, appointment, onboarding process, service request, support request, or active customer relationship with us.
7. Message and Data Rates Disclosure
Message and data rates may apply to SMS/text messages sent to or received from us. Charges may be billed by your mobile carrier. W&H Financial Solutions is not responsible for any charges imposed by your mobile carrier, wireless provider, or service plan.
8. SMS Opt-Out Instructions
You may cancel SMS/text messaging from us at any time by replying STOP to any text message you receive from us.
After you reply STOP, we may send one final confirmation message confirming that you have been unsubscribed. After that, you will no longer receive SMS/text messages from us unless you opt in again.
You understand that opting out of SMS/text messages may affect our ability to send reminders, updates, or service-related notifications by text. We may still contact you through other permitted communication methods, such as email, phone, mail, portal notifications, or other lawful business communications.
9. SMS Help Instructions and Support Contact
For help with SMS/text messages, reply HELP to any text message from us.
You may also contact us for support at:
10. Carrier Liability Disclaimer
Wireless carriers are not liable for delayed or undelivered messages. Delivery of SMS/text messages is subject to effective transmission by your mobile carrier and is not guaranteed.
11. Privacy and SMS Data Protection
Your personal information will be handled according to our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, store, protect, and disclose information.
We do not sell, rent, trade, or share SMS opt-in data, mobile phone numbers, or text messaging consent information with third parties or affiliates for their marketing or promotional purposes.
We may use trusted service providers to help operate our website, forms, CRM, communication systems, customer support tools, payment systems, and SMS/text messaging services. These providers may only use information as needed to provide services on our behalf and are not permitted to use SMS opt-in data for their own marketing or promotional purposes.
12. Email, Phone, and Other Communications
By submitting your contact information, requesting services, or communicating with us, you agree that we may contact you using the information you provide, including by email, phone, voicemail, customer portal, website form, or other lawful communication methods.
You may request that we update your communication preferences by contacting us at whitfieldhillassociates@gmail.com.
13. No Financial, Legal, Tax, or Credit Guarantee
Information provided through our website, communications, services, SMS/text messages, emails, consultations, or materials is for general informational and business purposes only. It does not constitute legal, tax, investment, financial, or professional advice.
We do not guarantee specific results, approvals, score increases, account outcomes, funding approvals, credit approvals, deletions, removals, or any specific financial result. Outcomes depend on many factors outside our control, including third-party decisions, consumer reporting agencies, creditors, lenders, client participation, documentation, account history, and applicable law.
14. Client Responsibilities
You are responsible for providing accurate information, timely documentation, updated contact details, required authorizations, and any information reasonably needed for us to provide services. Delays, incomplete information, inaccurate information, or failure to respond may affect service timelines and outcomes.
15. Payments, Fees, and Billing
Any fees, subscriptions, payments, retainers, or service charges are governed by the specific agreement, invoice, checkout page, payment authorization, or written arrangement provided to you. You agree to pay all authorized charges according to the terms presented at the time of purchase or enrollment.
Unless otherwise stated in a written agreement, fees paid for services already performed, setup work, administrative work, onboarding, consultations, software setup, document preparation, or completed service activity may be non-refundable.
16. Prohibited Use
You agree not to use our website, forms, communications, or services for unlawful, fraudulent, abusive, misleading, harmful, or unauthorized purposes. You may not submit false information, impersonate another person, interfere with our systems, misuse our communications, or violate applicable laws.
17. Third-Party Services and Links
Our website, forms, communications, or services may contain links to third-party websites, tools, payment processors, platforms, or services. We are not responsible for the content, privacy practices, security, availability, or policies of third-party websites or services. Your use of third-party services is subject to their own terms and policies.
18. Limitation of Liability
To the fullest extent permitted by law, W&H Financial Solutions, its owners, officers, employees, contractors, representatives, vendors, and affiliates will not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits, lost opportunities, lost data, service interruptions, communication failures, delayed messages, undelivered messages, third-party decisions, or outcomes outside our control.
Our total liability for any claim related to your use of our website, communications, or services will be limited to the amount you paid directly to us for the service giving rise to the claim, unless a different limit is required by applicable law.
19. Disclaimer of Warranties
Our website, communications, and services are provided on an “as available” and “as is” basis to the fullest extent permitted by law. We do not guarantee that our website, communications, SMS delivery, email delivery, forms, systems, or services will be uninterrupted, error-free, secure, or free from delays.
20. Indemnification
You agree to defend, indemnify, and hold harmless W&H Financial Solutions, its owners, officers, employees, contractors, representatives, vendors, and affiliates from and against any claims, damages, liabilities, losses, costs, or expenses arising from your misuse of our website or services, your violation of these Terms, your submission of inaccurate information, or your violation of applicable law or third-party rights.
21. Changes to These Terms
We may update these Terms at any time. Updated Terms will be posted on this page with a revised “Last Updated” date. Your continued use of our website, services, or communications after updated Terms are posted means you accept the updated Terms.
Contact Us
If you have questions about these Terms, SMS/text messaging, your communication preferences, or our services, contact us at:
Whitfield-Hill & Associates LLC d/b/a W&H Financial Solutions
Website: https://www.whfinancialsolutions.com
Email: whitfieldhillassociates@gmail.com
Thank you for using W&H Financial Solutions.
