Effective Date: July 21, 2026
These Terms and Conditions ("Terms") govern your access to and use of the website located at consult.vittoroholdings.info and the services offered by Vittoro Holdings LLC, doing business as Vittoro Credit Consulting ("Vittoro," "we," "us," or "our"). By using our Site, requesting a consultation, or enrolling in our services, you agree to these Terms.
1. Services
Vittoro provides credit consulting, credit education, dispute-management assistance, and funding-readiness guidance. Our services are educational and consultative in nature. We do not guarantee any specific credit score increase, removal of any item from a credit report, loan approval, or funding amount. Results vary based on each individual's circumstances.
2. Payments
Fees for paid services, including the Credit Consulting Membership, are disclosed at the time of purchase and are charged using the payment method you provide. By submitting payment information, you authorize us to charge the applicable fees in accordance with these Terms and any service-specific agreement you sign.
3. Membership
Our Credit Consulting Membership is offered on a month-to-month basis. Membership details, including price and included services, are described on the applicable order page and in your Membership Service Agreement. Membership renews automatically each month until cancelled.
4. Billing
Membership fees are billed in arrears, after the agreed services for that period have been performed, unless otherwise stated. You agree to keep your payment information current. Additional or optional services outside the standard membership will be disclosed and approved by you before being performed and billed.
5. Cancellations
You may cancel your membership at any time, for any reason, with no cancellation fee, by contacting [email protected]. To avoid being billed for the next service period, cancellation requests should be submitted at least 5 business days before your next scheduled billing date. Cancellation takes effect at the end of the current paid service period.
6. Refunds
Monthly membership fees are generally non-refundable once the services for that period have been performed, because the fee is payment for work already completed. Refunds will be provided where required by law, including cancellation within any applicable three-business-day right-to-cancel period, billing errors or duplicate charges, charges collected after a valid cancellation, or charges collected before the corresponding services were performed. Refund requests can be sent to [email protected] and will be reviewed in accordance with the applicable service agreement.
7. Intellectual Property
All content on our Site, including text, graphics, logos, and materials we provide as part of our services, is owned by or licensed to Vittoro Holdings LLC and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute our content without prior written permission.
8. Limitation of Liability
To the maximum extent permitted by law, Vittoro Holdings LLC and its owners, employees, and representatives will not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Site or services. Our total liability for any claim relating to our services is limited to the amount you paid to us for the services giving rise to the claim in the preceding 12 months.
9. SMS Messaging Terms
Vittoro Credit Consulting SMS Program
Vittoro Holdings LLC, doing business as Vittoro Credit Consulting, provides an SMS messaging program for individuals who expressly opt in to receive text messages. Messages may include appointment confirmations, appointment reminders, consultation follow-ups, document requests, client account notifications, requested service updates, educational updates, consultation availability, and information about credit consulting and funding strategy services. Promotional messages are sent only to individuals who separately consent to receive marketing communications.
Message frequency varies. Message and data rates may apply.
Opt-Out: You may cancel the SMS service at any time by replying STOP to any message. After you send STOP, you may receive a confirmation message stating that you have been unsubscribed. After that, you will no longer receive SMS messages from this program unless you opt in again.
Rejoining: After opting out, you may rejoin the SMS program by completing the applicable opt-in form again or by using another lawful opt-in method offered by Vittoro Credit Consulting.
Help: Reply HELP for assistance, email [email protected], or call 615-645-2716.
Carrier Liability: Mobile carriers are not liable for delayed or undelivered messages.
Privacy: Your participation in the SMS program is governed by our Privacy Policy: https://consult.vittoroholdings.info/privacy-policy-page
Consent to receive SMS messages is not a condition of purchase.
Vittoro Credit Consulting's messaging program is intended for individuals who are at least 18 years old. By opting in, you represent that you are at least 18 years of age or otherwise have legal authority to consent.
The SMS program is operated in accordance with applicable federal and state laws, carrier requirements, and industry messaging standards.
10. Changes to These Terms
We may update these Terms from time to time. Continued use of our Site or services after changes are posted constitutes acceptance of the updated Terms.
11. Governing Law
These Terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws principles.
12. Contact Information
Questions about these Terms can be directed to: [email protected]
Vittoro Holdings LLC d/b/a Vittoro Credit Consulting
4015 Travis Drive, Suite 211 #2051, Nashville, TN 37211