Terms & Conditions

Agreement to Terms

These Terms and Conditions ("Terms") govern your access to and use of the website and consulting services provided by Safe Haven Consulting, LLC ("Safe Haven," "we," "our," or "us"). By accessing our website, requesting a consultation, or engaging our services, you agree to be bound by these Terms.

Nature of Our Services

Safe Haven Consulting provides advisory and consulting services related to Merchant Cash Advance (MCA) restructuring, MCA debt relief, settlement negotiation, business debt restructuring, cash flow stabilization, and financial recovery strategies for small businesses.

We are not a law firm, debt-settlement company, lender, or accounting firm. We do not provide legal advice, tax advice, or credit repair services. Where appropriate, we recommend that clients consult independent legal, tax, or financial professionals.

No Guarantees

Every business situation is unique. While we work diligently on every engagement, outcomes depend on many factors outside of our control, including creditor cooperation, your business's financial condition, and applicable law. We make no guarantees regarding specific results, settlement amounts, timelines, credit outcomes, or the prevention of legal action by creditors.

Client Responsibilities

To engage our services, you agree to:

• Provide accurate, complete, and timely information about your business and obligations
• Respond promptly to communications and requests from our team
• Refrain from making material financial decisions affecting your case without consulting us
• Pay all agreed-upon fees on time and according to your engagement agreement

Fees & Payment

Specific fees, payment schedules, and scope of work for each engagement are set forth in a separate written consulting agreement. The website does not constitute an offer to provide services at any specific price.

Confidentiality

We treat the information you share with us as confidential and use it only to evaluate and deliver our services, as further described in our Privacy Policy.

Intellectual Property

All content on this website — including text, graphics, logos, and the Safe Haven name and marks — is the property of Safe Haven Consulting, LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

Limitation of Liability

To the maximum extent permitted by law, Safe Haven Consulting, LLC and its principals, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of our website or services. Our total liability for any claim arising out of an engagement shall not exceed the fees actually paid by you to Safe Haven for the services giving rise to the claim.

Third-Party Links & Communications

Our website or communications may include links to third-party websites or resources. We are not responsible for the content, accuracy, or practices of any third party.

Termination

Either party may terminate an engagement in accordance with the terms set out in the applicable consulting agreement. We reserve the right to refuse service or to terminate access to our website at our discretion.

SMS / Text Messaging Terms

Program name: Safe Haven Consulting, LLC ("Safe Haven") client messaging program.

Purpose: By opting in, you agree to receive text (SMS) messages from Safe Haven related to your engagement, including case updates, appointment reminders, document and information requests, service notifications, and replies from our support team. We do not send marketing or promotional texts to numbers enrolled in this program.

Message frequency: Message frequency varies based on your engagement and case activity (typically a few messages per week; more during active negotiations).

Message and data rates may apply. Standard message and data rates from your mobile carrier apply to all messages sent and received. Safe Haven is not responsible for carrier fees.

Opt out: You can cancel the SMS service at any time by replying STOP to any message. After you send STOP, we will send a confirmation message and will not send further SMS messages. To rejoin, opt in again through the original opt-in method.

Help: Reply HELP to any message for assistance, or contact our support team at +1 (201) 637-1411 or michaelsgordon0224@gmail.com.

Carriers: Supported carriers are not liable for delayed or undelivered messages.

Privacy: Mobile phone numbers and SMS opt-in consent are not shared with third parties or affiliates for marketing or promotional purposes. For more information on how we handle your information, see our Privacy Policy.

Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or our services shall be resolved in the state or federal courts located in New Jersey.

Changes to These Terms

We may update these Terms from time to time. The "Last updated" date above indicates when the most recent changes were made. Continued use of our website or services after updates constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms can be directed to: