Terms & Conditions

Effective Date: July 8, 2026

Last Updated: July 8, 2026

These Terms & Conditions ("Terms") govern your use of the Vittoro Credit Consulting website and consulting services. Vittoro Credit Consulting ("Vittoro," "we," "us," or "our") is a DBA of Vittoro Holdings LLC. By using this website or engaging our services, you agree to these Terms. These Terms do not constitute legal advice.

Nature of Services

Vittoro provides credit consulting and business funding strategy consulting and educational services. We are not a lender, bank, credit bureau, law firm, or accounting firm. We do not guarantee any specific credit score outcome, funding approval, or financial result.

Website Use

This website is provided for informational purposes about our services. You agree to use the site lawfully and not to misuse, disrupt, or attempt to gain unauthorized access to it.

Consulting Relationship

Engaging in a consultation or purchasing services does not create an attorney-client, fiduciary, or lending relationship. Our consulting relationship begins only upon mutual agreement to a separate consulting or service agreement.

Client Responsibilities

Clients are responsible for the following: providing accurate information; making their own final financial decisions; and complying with any third-party lender, creditor, or program requirements referenced during consulting.

Payment

Fees for services, when applicable, will be described in a separate consulting or service agreement prior to payment. Payment processing will be handled through our designated payment provider once active.

Intellectual Property

All website content, including text, graphics, and branding, is the property of Vittoro Holdings LLC and may not be copied or reused without permission.

Limitation of Liability

To the fullest extent permitted by law, Vittoro shall not be liable for indirect, incidental, or consequential damages arising from use of this website or our services. Results vary and are not guaranteed.

No Guarantees

Nothing on this website or in a consultation constitutes a promise or guarantee of credit improvement, funding approval, or any specific financial outcome.

Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles.

Changes to Terms

We may update these Terms from time to time. Continued use of the website after changes constitutes acceptance of the updated Terms.

Contact Information

Questions about these Terms may be directed to us through our website contact form.

Vittoro Credit Consulting is a DBA of Vittoro Holdings LLC. We provide consulting and educational services. We are not a lender, bank, credit bureau, law firm, or accounting firm. Funding approvals and financial outcomes vary based on individual circumstances.