Terms of Use

Our classes, toolkit, website and other materials are for educational purposes only. They are not financial, legal, tax or investment advice. Always verify information with the appropriate creditor, credit bureau, financial institution or lender, and consult a licensed professional about your specific situation.

J11 does not guarantee credit-score increases, deletion of accurate information, credit approvals, business-bank approvals, funding or income. Results vary based on each person's credit profile, business situation, lender requirements and individual actions. Results and testimonials shown on this website are specific to those individuals, are not typical and are not a promise of future results.

Funding is debt and carries risk. Approvals, amounts and terms are set by lenders, not by J11. You are solely responsible for any credit you apply for or accept and for repaying it.

Digital products, including the Weaponized Credit Toolkit, are delivered immediately after purchase. Due to the immediate digital delivery, all digital product purchases are final. Mentorship programs are governed by the enrollment agreement you sign at enrollment. Please see our Refund Policy for details.

Some links on this website are affiliate links. J11 may earn a commission if you sign up through them, at no extra cost to you.

You agree to provide accurate information on our forms and not to misuse the website, interfere with its operation, or copy, resell or redistribute our content without permission.

All content on this website and in our classes and products, including text, videos, checklists, templates and the Educate II Elevate name and badge, belongs to J11 Consulting LLC and is for your personal use only.

We use and link to third-party services such as Zoom, Telegram, Stripe, Calendly and MyFreeScoreNow. Your use of those services is governed by their own terms.

To the fullest extent allowed by law, J11 Consulting LLC is not liable for any indirect, incidental or consequential damages, or for any decisions you make based on our educational content. Our total liability for any claim related to a purchase will not exceed the amount you paid for that purchase.

We may update these terms from time to time. The effective date above shows when they were last changed. Continuing to use the website after an update means you accept the updated terms.

Questions about these terms? Email j11consulting@gmail.com.