M-F 9:30a-6:30p
    Mesa Group Consulting
    Join
    Legal Document

    Disclaimer

    Effective Date: [TBD — date of publication]
    Last Updated: [TBD — date of publication]

    Please read these disclaimers carefully before using Mesa Group Consulting's website or services. By accessing our website or engaging our services, you acknowledge and agree to the following:

    Table of Contents

    1
    GENERAL DISCLAIMER

    The information provided on www.mesagroupconsulting.com and through Mesa Group Consulting's services is for general informational and educational purposes only. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website for any purpose.

    Any reliance you place on such information is strictly at your own risk. In no event will Mesa Group Consulting be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website or services.

    2
    NO GUARANTEED RESULTS

    2.1 Credit Repair Results

    Mesa Group Consulting provides credit repair services designed to help you address inaccurate, erroneous, false, or obsolete information on your credit reports. However, we do not guarantee specific results, including but not limited to:

    • Deletion of negative items from your credit reports
    • Improvement in your credit score by a specific number of points
    • Approval for credit, loans, or financing
    • Reduction in interest rates or monthly payments
    • Specific timelines for achieving results

    2.2 Business Funding Results

    Mesa Group Consulting provides business funding consulting and referral services. However, we do not guarantee approval for business loans, lines of credit, or other financing products. Lending decisions are made by third-party lenders, and approval depends on your business's creditworthiness, financial health, and lender criteria.

    2.3 Factors Beyond Our Control

    Credit repair and business funding results depend on many factors beyond Mesa Group Consulting's control, including:

    • •Your credit history, payment history, and credit utilization
    • •Credit bureau and creditor policies and responses
    • •The accuracy and verifiability of negative items on your credit reports
    • •Your cooperation and responsiveness during the process
    • •Your financial behavior during the service period (e.g., new debts, missed payments)
    • •Lender underwriting criteria and risk tolerance
    • •Economic conditions, interest rates, and market factors

    Prior results obtained for other clients do not predict, warrant, or guarantee a similar outcome for you.

    3
    CREDIT REPAIR DISCLAIMERS

    3.1 CROA Compliance

    Mesa Group Consulting is a credit repair organization as defined under the federal Credit Repair Organizations Act (CROA) (15 U.S.C. § 1679 et seq.) and complies with all applicable federal and state laws governing credit repair services.

    3.2 Right to Dispute on Your Own

    You have the right to dispute inaccurate information on your credit reports yourself, at no cost, by contacting the credit bureaus (Experian, Equifax, TransUnion) directly. You may also contact creditors directly to dispute inaccuracies. Mesa Group Consulting provides credit repair services as a convenience, but you are not required to hire us to exercise your rights.

    3.3 Results Vary

    Results from credit repair services vary by individual. While Mesa Group Consulting uses established strategies and works diligently on behalf of clients, we cannot guarantee:

    • Removal of negative items (late payments, charge-offs, collections, bankruptcies, foreclosures, etc.)
    • Specific credit score increases
    • Approval for credit, loans, mortgages, or financing
    • Specific timelines for achieving results

    3.4 Credit Repair Organizations Act (CROA) Notice

    Consumer Credit File Rights Under State and Federal Law

    You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

    You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

    You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

    You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

    Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

    You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

    If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

    The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

    The Public Reference Branch
    Federal Trade Commission
    Washington, D.C. 20580

    For a complete copy of your rights under CROA, please refer to our Terms & Conditions. A standalone CROA Disclosure is also provided to you at the time of enrollment as a separate document, in compliance with 15 U.S.C. § 1679c.

    3.5 Consumer Attestation Requirement

    Before Mesa Group Consulting submits any disputes on your behalf, you will be required to attest in writing to the specific items appearing on your credit report that you do not recognize, that you believe to be inaccurate, erroneous, false, or obsolete, or that you otherwise have grounds to dispute. We do not dispute information that you know to be accurate. See our Terms & Conditions for full details.

    4
    BUSINESS FUNDING DISCLAIMERS

    4.1 No Guarantee of Funding Approval

    Mesa Group Consulting provides business funding consulting and referral services to help you explore financing options. However, we do not guarantee approval for business loans, lines of credit, merchant cash advances, equipment financing, or other funding products. All lending decisions are made by third-party lenders based on their underwriting criteria.

    4.2 Lender Decisions

    Lenders make independent decisions based on:

    • Your business credit profile and personal credit profile
    • Your business's financial health (revenue, profit, cash flow)
    • Time in business and industry risk
    • Collateral, assets, or guarantees
    • Economic conditions and market factors

    4.3 Funding Terms

    Mesa Group Consulting does not control or guarantee:

    • •Loan amounts or credit limits
    • •Interest rates, APR, or factor rates
    • •Repayment terms, monthly payments, or payment schedules
    • •Fees, origination costs, or closing costs
    • •Approval timelines or funding speed

    5
    NOT A LENDER

    Important Notice

    Mesa Group Consulting is not a lender and does not make credit decisions or provide financing. We are a consulting and referral service that connects clients with third-party lenders, funding partners, and financial service providers.

    Mesa Group Consulting does not:

    • •Issue loans, lines of credit, or financing
    • •Make credit decisions or approve/deny applications
    • •Set interest rates, fees, or loan terms
    • •Control lender underwriting criteria or approval processes

    All lending decisions are made by third-party lenders. Mesa Group Consulting may receive referral fees or commissions from lending partners, but this does not affect your cost or loan terms. See our Affiliate Disclosure for full details on our partner relationships.

    6
    NO ATTORNEY-CLIENT RELATIONSHIP

    6.1 Mesa Group Consulting Is Not a Law Firm

    Mesa Group Consulting is a financial consulting and credit repair services company. We are not a law firm, and our employees, agents, and representatives are not attorneys. Engaging our services does not create an attorney-client relationship between you and Mesa Group Consulting.

    6.2 No Legal Advice

    Information, analyses, action plans, dispute letters, and communications provided by Mesa Group Consulting are not legal advice and are not a substitute for advice from a licensed attorney.

    6.3 No Privilege

    Communications between you and Mesa Group Consulting are not subject to attorney-client privilege. While we maintain the confidentiality of your information in accordance with our Privacy Policy and applicable law (including the Gramm-Leach-Bliley Act), our communications do not carry the same legal protections as communications with a licensed attorney.

    6.4 When to Consult an Attorney

    If at any point you believe you need legal representation — for example, if a creditor has filed suit against you, if you are considering bankruptcy, or if you suspect you are a victim of identity theft requiring legal action — we recommend you consult with a qualified attorney licensed in your state.

    Federal Regulator Referral: The Federal Trade Commission regulates credit bureaus and credit repair organizations. For information on your rights, see our CROA Disclosure page or contact the FTC's Public Reference Branch in Washington, D.C. 20580.

    7
    NO LEGAL, TAX, OR INVESTMENT ADVICE

    7.1 Not Legal Advice

    Mesa Group Consulting is not a law firm and does not provide legal advice. Nothing on our website or in our services should be construed as legal advice. For legal advice regarding:

    • Credit disputes or lawsuits
    • Debt collection or creditor harassment
    • Consumer rights or FCRA violations
    • Business legal matters
    • Contracts or agreements

    Please consult a licensed attorney.

    7.2 Not Tax Advice

    Mesa Group Consulting is not a tax preparation service and does not provide tax advice. For questions regarding:

    • Tax implications of debt settlement or forgiveness
    • Business tax planning or deductions
    • IRS reporting requirements
    • Tax consequences of financial decisions

    Please consult a Certified Public Accountant (CPA) or tax professional.

    7.3 Not Investment Advice

    Mesa Group Consulting is not a registered investment advisor (RIA) and does not provide investment advice. Our services do not constitute:

    • Investment recommendations
    • Securities analysis or portfolio management
    • Financial planning or wealth management
    • Retirement planning or investment strategy

    For investment advice, please consult a licensed financial advisor or registered investment advisor (RIA).

    7.4 Not Insurance Advice

    Mesa Group Consulting is not a licensed insurance agent or broker. Our life insurance referral services connect you with PolicyGenius and various life insurance carriers who are responsible for underwriting, issuing, and servicing policies. For insurance advice specific to your situation, consult a licensed insurance agent or broker.

    8
    THIRD-PARTY SERVICES AND PARTNERSHIPS

    Mesa Group Consulting partners with third-party service providers to deliver certain services, including:

    Service Partners

    • SmartCredit: Credit monitoring services
    • Novae: Business funding and debt relief (business and personal)
    • SuperMoney: Financial product comparisons (personal loans, auto refinancing, student loans, debt consolidation, credit cards)
    • Ava Finance, CreditStrong, Self: Credit building platforms
    • RentReporters, Rental Kharma, BoomPay, Experian Boost: Credit building and rent reporting services
    • PolicyGenius: Life insurance comparison platform
    • Various Life Insurance Carriers: For life insurance applications and policy issuance
    • Trust & Will: Estate planning document platform
    • Various Lenders: Through SuperMoney and other lending networks

    Important Disclaimers:

    • •Mesa Group Consulting is not responsible for the actions, services, products, terms, privacy practices, or policies of third-party partners
    • •Third-party services are subject to their own terms and conditions and privacy policies
    • •Mesa Group Consulting does not guarantee the accuracy, reliability, or performance of third-party services
    • •Issues with third-party services should be directed to the third-party provider

    Recommendation: Review the terms, conditions, and privacy policies of any third-party service before using it. For full details on partner compensation, see our Affiliate Disclosure.

    9
    AFFILIATE MARKETING DISCLOSURE

    Mesa Group Consulting participates in affiliate marketing programs and may receive compensation from third-party partners when clients enroll in services or products offered by those partners.

    How Affiliate Marketing Works

    • When you click on certain links or enroll in partner services, Mesa Group Consulting may receive a commission or referral fee
    • This compensation is paid by the partner company, not by you
    • Your cost for services is the same whether or not Mesa Group receives compensation

    Affiliate Relationships

    Mesa Group Consulting has affiliate relationships with:

    • Lending partners (business funding)
    • Credit monitoring services (SmartCredit)
    • Financial product comparison platforms (SuperMoney)
    • Life insurance comparison and carrier services (PolicyGenius and various carriers)
    • Estate planning services (Trust & Will)
    • Other financial service providers

    Our Commitment

    Despite these affiliate relationships, Mesa Group Consulting is committed to:

    • Providing honest, balanced recommendations
    • Disclosing affiliate relationships clearly
    • Recommending only services we believe are beneficial to clients
    • Complying with FTC affiliate disclosure requirements

    For more details, see our dedicated Affiliate Disclosure page.

    10
    CREDIT BUREAU AND CREDITOR RESPONSES

    10.1 Independent Decisions

    Credit bureaus (Experian, Equifax, TransUnion) and creditors make independent decisions regarding credit disputes and investigations. Mesa Group Consulting cannot control or influence these decisions.

    10.2 Possible Outcomes

    When credit disputes are submitted, credit bureaus and creditors may:

    • Verify Information as Accurate: Negative items remain on credit reports
    • Delete Information: Negative items are removed from credit reports
    • Update Information: Negative items are corrected or modified
    • Refuse to Investigate: Bureaus may deem disputes frivolous or lacking merit
    • Request Additional Documentation: Bureaus may require further proof before investigating

    10.3 Verification Process

    Credit bureaus are required to investigate disputes within 30 days (or 45 days in certain cases). However:

    • •Bureaus may accept creditor verification without independent investigation
    • •Creditors may re-report previously deleted items if they later verify accuracy
    • •Bureaus may refuse to investigate disputes that appear frivolous

    11
    WEBSITE CONTENT AND ACCURACY

    11.1 General Information

    The content on www.mesagroupconsulting.com is provided for general informational and educational purposes only. While we strive for accuracy, we make no guarantees that:

    • All information is current, complete, or error-free
    • Website content is suitable for your specific situation
    • Information has not changed since it was last updated

    11.2 No Substitute for Professional Advice

    Website content is not a substitute for personalized professional advice from:

    • Licensed attorneys (for legal matters)
    • Certified Public Accountants (for tax matters)
    • Registered investment advisors (for investment matters)
    • Certified financial planners (for financial planning)
    • Licensed insurance agents (for insurance matters)

    11.3 Updates and Changes

    Mesa Group Consulting reserves the right to update, modify, or remove website content at any time without notice. We are not obligated to update information or notify users of changes.

    12
    LIMITATION OF LIABILITY

    TO THE MAXIMUM EXTENT PERMITTED BY LAW:

    Mesa Group Consulting, its officers, directors, employees, agents, affiliates, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to:

    • •Use or inability to use our website or services
    • •Errors, omissions, or inaccuracies in website content or service delivery
    • •Unauthorized access to or alteration of your data
    • •Third-party conduct or content
    • •Reliance on information provided on our website or in our services
    • •Denial of credit, loans, or financial products
    • •Higher interest rates or unfavorable lending terms
    • •Damage to credit scores or credit reports
    • •Financial losses or lost business opportunities
    • •Emotional distress or mental anguish

    This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and whether or not Mesa Group Consulting has been advised of the possibility of such damages.

    See our full Terms & Conditions for complete liability limitations.

    13
    EXTERNAL LINKS

    Our website may contain links to third-party websites, services, or resources. Mesa Group Consulting:

    • Does not endorse, approve, or certify third-party websites
    • Is not responsible for the content, accuracy, or reliability of third-party sites
    • Is not liable for any damages or losses resulting from your use of third-party sites
    • Does not control the privacy practices of third-party sites

    Recommendation: Review the terms, conditions, and privacy policies of any third-party website before using it.

    14
    TESTIMONIALS AND RESULTS

    14.1 Individual Results May Vary

    Testimonials, case studies, and results displayed on our website or in marketing materials represent individual experiences and may not be typical. Your results may differ significantly based on:

    • •Your unique credit situation
    • •The accuracy and verifiability of negative items on your credit reports
    • •Your cooperation and responsiveness
    • •Your credit behavior during the service period
    • •Factors outside Mesa Group Consulting's control

    14.2 Not a Guarantee

    Testimonials and results are not guarantees, promises, or predictions of future performance. Past results do not guarantee future success.

    14.3 Endorsements

    Some testimonials may be from clients who received compensation, discounts, or other incentives for providing feedback. All testimonials represent genuine client experiences but may not reflect typical results.

    15
    EDUCATIONAL CONTENT

    15.1 General Information Only

    Educational content provided through our DIY training programs, blog posts, videos, webinars, and other materials is for general informational and educational purposes only. It is not personalized advice tailored to your specific situation.

    15.2 Responsibility for Implementation

    If you choose to implement strategies or techniques learned through our educational content, you do so at your own risk. Mesa Group Consulting is not responsible for:

    • •Results or outcomes from self-directed credit repair efforts
    • •Mistakes or errors made during implementation
    • •Negative consequences from misapplication of information
    • •Disputes rejected by credit bureaus or creditors

    15.3 Professional Guidance

    For personalized advice, consider consulting with licensed professionals (attorneys, CPAs, financial advisors, insurance agents) who can evaluate your specific circumstances.

    16
    CALIFORNIA-SPECIFIC NOTICES

    16.1 California Contract Term

    Pursuant to California law, credit repair service contracts in California may not exceed one hundred eighty (180) days. The Mesa360 Credit Repair Program, when entered into by California residents, is structured as a service term not to exceed 180 days from the date of enrollment.

    16.2 California Cancellation Rights

    In addition to the federal three (3) business day right to cancel under CROA, California residents may cancel a credit repair service contract at any time. Upon cancellation, Mesa Group Consulting will cease all work and you will not be charged for services not yet performed. A standalone Notice of Cancellation form is provided at enrollment as a separate document. See our Right to Cancel page for the full form and instructions.

    16.3 California Complaint Assistance

    California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at:

    1625 North Market Blvd., Suite N-112
    Sacramento, CA 95834

    or by telephone at (916) 445-1254 or (800) 952-5210.

    For additional resources, see our Consumer Complaint Policy and California Privacy Policy.

    For full California-specific provisions, see our Terms & Conditions Section 28.

    17
    PRE-DISPUTE MEDIATION AND ARBITRATION NOTICE

    By engaging Mesa Group Consulting's services, you agree to attempt to resolve disputes through informal mediation before pursuing arbitration or other formal dispute resolution.

    Mediation is conducted via video conference (Zoom or comparable platform) for approximately 20 minutes, and Mesa Group Consulting pays all costs associated with the mediation session.

    If mediation does not resolve the dispute, disputes will be resolved through binding arbitration administered by JAMS, except as otherwise provided in our Terms & Conditions.

    For full details, see Sections 21 and 22 of our Terms & Conditions, and our standalone Mediation Notice page.

    18
    CONTACT INFORMATION

    If you have questions about these disclaimers or need clarification, contact us:

    MESA & CO CONSULTING LLC, doing business as Mesa Group Consulting

    Mailing Address

    5001 California Ave, Suite 219

    Bakersfield, CA 93309

    Compliance Department

    For compliance-related questions or complaints:

    Hours of Operation

    Monday – Friday: 9:30 AM – 6:30 PM Pacific Time

    Saturday: 10:30 AM – 2:30 PM Pacific Time

    Sunday: Closed

    Changes to This Disclaimer

    Mesa Group Consulting reserves the right to update this Disclaimer at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website or services after changes become effective constitutes acceptance of the revised Disclaimer.

    Acknowledgment

    By using our website or services, you acknowledge that you have read, understood, and agree to this Disclaimer.

    © 2026 Mesa Group Consulting. All Rights Reserved.