Terms of Service
Effective date: April 17, 2026 · Last updated: April 17, 2026
1. Acceptance of terms
These Terms of Service ("Terms") form a legally binding agreement between you and Winter Leaf Financial ("Winter Leaf," "we," "us," or "our"). By accessing our website, submitting a lead form, booking a consultation, enrolling in a service plan, or communicating with us by phone, SMS, or email, you agree to be bound by these Terms and by our Privacy Policy.
If you do not agree, do not use our services.
2. Our services
Winter Leaf Financial provides:
- Credit-repair consulting and dispute services — reviewing your credit reports, identifying potentially inaccurate or unverifiable items, and corresponding with credit bureaus and creditors on your behalf when you grant written authorization.
- Dealer-referral concierge services — helping consumers who were denied or down-stroked at a partnering auto dealership reach a financing path that fits them.
- Scheduled consultations and educational content — free initial credit consultations, follow-up check-ins, and educational material about credit.
Specific deliverables, timelines, and fees are described in the separate service agreement you sign before enrollment. Nothing on this website or in any message we send constitutes legal, tax, or financial advice.
3. Eligibility & accounts
You must be at least 18 years old and a resident of the United States to use our services. By submitting your information, you represent that you meet these requirements and that the information you provide is accurate and belongs to you.
You are responsible for keeping your contact information up to date and for the confidentiality of any account credentials you create with us or with our partners.
4. SMS, voice & email communications
By checking the consent box on our lead form and submitting it, you expressly consent to receive calls, texts (SMS/MMS), and emails from Winter Leaf Financial at the phone number and email you provided, including messages sent via automated dialing systems and prerecorded messages.
4.1 Program & purpose
Winter Leaf sends service-related messages (appointment reminders, consultation confirmations, dispute updates, account notices) and — only with your separate marketing opt-in — promotional messages about products, services, and offers from Winter Leaf Financial and, where applicable, the partnering dealership that referred you.
4.2 Message frequency
Frequency varies based on where you are in the process. Typically you'll receive 1–8 messages per month from us. During active dispute cycles, transactional message volume may be higher.
4.3 Message & data rates
Standard message and data rates from your mobile carrier may apply. Winter Leaf does not charge for SMS; your carrier may.
4.4 Supported carriers
Our SMS program is compatible with U.S. mobile carriers including AT&T, T-Mobile, Verizon Wireless, Sprint, U.S. Cellular, Boost Mobile, Metro by T-Mobile, Cricket Wireless, and most MVNOs. Carriers are not liable for delayed or undelivered messages.
4.5 How to stop
- Text STOP to any SMS from us to unsubscribe. You will receive one final confirmation.
- Text HELP to any SMS or email tevin@winterleaf.financial for assistance.
- To stop phone calls, tell the caller or email us with "Do Not Call" in the subject line.
4.6 Consent is not a condition of purchase
You are not required to agree to receive marketing SMS or calls as a condition of purchasing any service. Transactional messages necessary to deliver a service you have requested may still be sent.
4.7 Call recording
Calls to or from Winter Leaf Financial may be recorded or monitored for quality-assurance, training, and compliance purposes. By communicating with us by phone, you consent to recording to the extent permitted by law in your state. If you do not consent, end the call and contact us by email instead.
4.8 Voice / telephony provider
We use GoTo Connect as our telephony provider for outbound and inbound voice calls. Call metadata (timestamps, duration, caller ID) is processed by GoTo under their terms. We do not share the content of your calls with third parties for marketing.
5. Your consumer credit file rights
Consumer Credit File Rights Under State and Federal Law — required notice:
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 seven (7) years old. Bankruptcy information can be reported for ten (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 sixty (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 three (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.
6. Fees & payment
The initial credit consultation is free. Any ongoing service plans, enrollment fees, or monthly subscription fees are disclosed in the separate service agreement you sign before enrollment.
Consistent with the Credit Repair Organizations Act, Winter Leaf does not require payment for any credit-repair service before that service has been fully performed. Monthly subscription fees are billed only in arrears for services already delivered in the prior period.
All fees are stated in U.S. dollars and exclude any applicable taxes, which are your responsibility.
7. Cancellation & refunds
Right to cancel (CROA §1679e(a)(2)): You may cancel your contract with us without penalty or obligation at any time before midnight of the third (3rd) business day after the date on which you signed the contract. To cancel, deliver written notice to the address or email listed in Contact below. A cancellation form is included with every service agreement.
After the 3-day rescission period, you may cancel ongoing services at any time by emailing tevin@winterleaf.financial. Unless otherwise specified in your service agreement, cancellations take effect at the end of the current billing period; fees already charged for services already performed are non-refundable.
8. Disclaimers & no guarantee of results
No guaranteed outcomes. Results vary based on individual circumstances, the accuracy of items on your credit report, and the cooperation of credit bureaus and furnishers. Winter Leaf makes no warranty that any specific item will be removed, that your score will increase by any specific amount, or that you will be approved for any particular loan or vehicle. Any case studies, testimonials, or example results shown on our site represent individual experiences and are not typical or promised outcomes.
Our services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, or statutory — including any warranty of merchantability, fitness for a particular purpose, or non-infringement.
We are not a law firm, a credit counseling agency, or a federally chartered financial institution. If you need legal advice about your specific situation, consult a licensed attorney. If you are considering bankruptcy, consult a bankruptcy attorney or a HUD-approved credit counselor.
9. Limitation of liability
To the maximum extent permitted by applicable law, Winter Leaf Financial (including its officers, employees, contractors, and service providers) shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, or reputational harm, arising from your use of our services — even if we were advised of the possibility of such damages.
Our total aggregate liability for any claim arising from or related to these Terms or your use of our services shall not exceed the greater of (a) the total fees you actually paid to us in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).
Nothing in this section limits liability that cannot be limited under applicable law — including, where it applies, liability for gross negligence, willful misconduct, or violations of the Credit Repair Organizations Act.
10. Intellectual property
All content on our website — including text, graphics, logos, and the Winter Leaf Financial name and marks — is owned by or licensed to Winter Leaf Financial and is protected by U.S. copyright and trademark law. You may not copy, reproduce, or use our marks without our prior written permission.
11. Dispute resolution
If you have a complaint, please email tevin@winterleaf.financial first. We commit to responding within 10 business days and working in good faith to resolve the issue.
If we cannot resolve a dispute informally, the parties agree to submit the dispute to binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may bring an individual action in small-claims court. You may opt out of this arbitration clause by emailing us within 30 days of first agreeing to these Terms, with the subject line "Arbitration Opt-Out" and your full name, phone number, and mailing address.
No class actions. Any arbitration or court action under these Terms shall be conducted only on an individual basis and not as a class action, collective action, or representative action.
12. Governing law
These Terms are governed by the laws of the State of Louisiana, without regard to its conflict-of-laws rules. Subject to Section 11 (Dispute Resolution), the state and federal courts located in Louisiana have exclusive jurisdiction over any action not subject to arbitration.
If you reside in a state whose consumer-protection statutes provide greater rights than those described here, those statutory rights apply to you.
13. Changes to these Terms
We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top. If changes are material, we will notify you by email or by a prominent notice on this site before the changes take effect. Continued use of our services after changes become effective constitutes your acceptance of the updated Terms.
14. Contact
- Company
- Winter Leaf Financial
- tevin@winterleaf.financial
- Phone
- (985) 205-8475
- Mailing address
- 🔁 ADD MAILING ADDRESS — required by FTC for CROA-regulated businesses and for A2P 10DLC brand registration.