TERMS OF SERVICE

Terms of Service

Last Updated: August 23, 2026

These Terms of Service (“Terms”) govern your use of the MMJP GROUP LLC website, forms, communications, and services. By accessing this website, submitting information, scheduling a consultation, requesting services, or otherwise interacting with MMJP GROUP LLC (“MMJP GROUP,” “we,” “us,” or “our”), you agree to these Terms.

If you do not agree with these Terms, please do not use this website or submit information through our forms.

1. About MMJP GROUP LLC

MMJP GROUP LLC provides education, coaching, consulting, credit-readiness support, business-related guidance, and related services designed to help individuals and organizations better understand financial and credit-related factors and prepare for future opportunities.

Specific services may be subject to separate written agreements, disclosures, authorizations, or service terms.

2. No Guarantee of Results

MMJP GROUP does not guarantee:

Credit-score increases

Removal of any specific credit-report item

Mortgage qualification

Loan approval

Business funding approval

Credit-card approval

Specific funding amounts

Specific interest rates or financing terms

Any particular financial outcome

Results vary based on individual circumstances and actions taken by consumers, creditors, lenders, credit reporting agencies, financial institutions, and other third parties.

3. Educational and Informational Purpose

Information provided through this website, consultations, educational materials, or communications is intended for general educational and informational purposes.

MMJP GROUP does not provide legal, tax, accounting, investment, or mortgage-lending advice unless expressly stated in a separate written agreement and provided by an appropriately qualified professional.

You should consult an appropriate licensed professional when advice specific to your individual circumstances is required.

4. Credit-Readiness and Related Services

Credit-readiness services may involve reviewing information provided by the consumer, discussing credit reports and financial factors, identifying potential barriers, providing education, and developing individualized action plans.

Where a separate credit-related service agreement is required by applicable law, that agreement will govern the specific service relationship.

Nothing on this website replaces or modifies rights provided to consumers under applicable federal or state law.

5. Community Partnerships and Referrals

Submission of a community partnership inquiry does not create a partnership, agency relationship, joint venture, exclusivity arrangement, or contractual relationship with MMJP GROUP.

Any formal partnership, referral arrangement, compensation agreement, or collaboration may require a separate written agreement signed by the appropriate parties.

MMJP GROUP reserves the right to accept or decline any partnership or referral relationship.

6. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting forms, requesting services, or communicating with MMJP GROUP.

You are responsible for updating information when necessary.

MMJP GROUP is not responsible for delays, errors, or outcomes caused by inaccurate, incomplete, or outdated information supplied by a user or third party.

7. Communications

By providing your email address or phone number, you authorize MMJP GROUP to communicate with you regarding inquiries, appointments, requested services, partnerships, referrals, and administrative matters.

Text message communications are subject to any consent language presented when you submit your information.

Message frequency may vary. Message and data rates may apply.

You may reply STOP to opt out of text messages and HELP for assistance.

Consent to receive marketing text messages is not a condition of purchasing services.

8. Third-Party Services

MMJP GROUP may use or provide links to third-party platforms, credit monitoring services, financial institutions, scheduling tools, payment processors, lenders, service providers, or other third-party resources.

MMJP GROUP does not control and is not responsible for the availability, accuracy, privacy practices, security, products, services, decisions, or actions of third parties.

Your use of third-party services may be governed by separate terms and privacy policies.

9. Payments and Separate Service Agreements

Certain MMJP GROUP services may require payment.

Pricing, payment schedules, cancellation rights, refund terms, scope of services, and other service-specific conditions may be contained in a separate agreement provided before or during enrollment.

If a separate signed agreement conflicts with these website Terms regarding a specific paid service, the terms of the signed agreement will control for that service.

10. Intellectual Property

Unless otherwise stated, website content, branding, graphics, written materials, educational materials, logos, and other original content owned by MMJP GROUP are protected by applicable intellectual-property laws.

You may not copy, reproduce, distribute, sell, modify, publish, or commercially exploit MMJP GROUP content without prior written permission, except as permitted by law.

11. Acceptable Use

You agree not to:

Use the website for unlawful, fraudulent, or abusive purposes

Attempt unauthorized access to systems, accounts, or data

Interfere with website security or operation

Submit false, misleading, or fraudulent information

Impersonate another person or organization

Use MMJP GROUP content in a manner that infringes intellectual-property rights

MMJP GROUP may restrict access when misuse is reasonably suspected.

12. Website Availability

We make reasonable efforts to maintain the website and services, but we do not guarantee uninterrupted or error-free access.

Features may be updated, suspended, changed, or discontinued when reasonably necessary.

13. Limitation of Liability

To the fullest extent permitted by applicable law, MMJP GROUP LLC will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to use of the website, reliance on general information provided through the website, or actions of third parties.

Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

14. Indemnification

To the extent permitted by law, you agree to be responsible for losses, claims, or expenses resulting from your unlawful misuse of the website, violation of these Terms, or infringement of another party’s rights.

15. Privacy

Your use of this website is also subject to the MMJP GROUP LLC Privacy Policy.

The Privacy Policy explains how we collect, use, store, and share personal information.

16. Changes to These Terms

MMJP GROUP may update these Terms periodically.

The current version will be posted on this page with an updated “Last Updated” date.

Continued use of the website after changes become effective constitutes acceptance of the updated Terms to the extent permitted by law.

17. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles, except where federal law or other applicable law controls.

18. Contact Information

Questions about these Terms may be directed to:

MMJP GROUP LLC

Email: [email protected]
Phone: (725) 800-0059
Mailing Address:
4 South Orange Avenue, Unit #1296
South Orange, NJ 07079

For correspondence and mailed documents only.