1. Acceptance of Terms

By purchasing any service from Above The Average Consulting Agency LLC ("ATAC Agency"), you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

2. Consultation Requirement

All clients are required to schedule and attend a consultation after payment has been submitted.

Failure to schedule a consultation within 30 days of purchase may result in delays in service completion.

ATAC Agency is not responsible for delays caused by:

• Failure to book a consultation

• Failure to submit required documents

• Failure to respond to emails or communication requests

• Submission of incorrect information

Services cannot begin until all required information has been received.

3. Service Timeline

Service timelines begin only after:

• Payment has been received

• Consultation has been completed

• Required documents have been submitted

Estimated processing times may vary based on:

• State filing times

• IRS processing times

• Third-party processing companies

• Client response times

ATAC Agency does not guarantee approval, processing speed, funding approval, grant approval, or business credit approval.

All timeline estimates are approximate and subject to change.

4. Third-Party Fees

Service package prices do not always include third-party fees.

Additional fees may include but are not limited to:

• State filing fees

• EIN filing fees (when applicable)

• Registered agent fees

• Business address fees

• Publication requirements

• Licensing fees

• Permit fees

• Banking fees

• Credit monitoring services

• Website hosting fees

• Domain registration fees

These fees are determined by third-party organizations and are subject to change without notice.

ATAC Agency has no control over these charges.

5. No Refund Policy

Due to the nature of consulting, business formation, digital products, and administrative services, all sales are final.

NO REFUNDS will be issued once:

Payment has been submitted

Consultation has been completed

Work has begun

Documents have been prepared

Digital products have been delivered

Clients are responsible for reviewing all services before purchasing.

6. Client Responsibilities

The client agrees to:

• Provide accurate information

• Respond promptly to requests

• Submit required documents in a timely manner

• Review submitted applications before filing

ATAC Agency is not responsible for delays, rejections, penalties, or issues resulting from inaccurate information provided by the client.

7. No Legal or Financial Advice

ATAC Agency provides business consulting and administrative support services.

We are not attorneys, accountants, financial advisors, tax professionals, or investment advisors.

Clients should seek professional legal, tax, or financial advice when necessary.

8. Funding Disclaimer

Funding opportunities, grants, loans, and business credit approvals are determined solely by the funding institution.

ATAC Agency does not guarantee:

• Grant approval

• Loan approval

• Business credit approval

• Specific funding amounts

Results vary based on each client's qualifications and circumstances.

9. Communication Policy

All communication will be conducted through approved channels, including:

• Email

• Scheduled consultations

• Official business phone communication

Response times may vary but are generally within 1–3 business days.

10. Limitation of Liability

ATAC Agency shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use of our services.

By purchasing services, clients agree to hold ATAC Agency harmless from claims arising from decisions made based on consulting recommendations.

11. Changes to Terms

ATAC Agency reserves the right to modify these Terms and Conditions at any time without prior notice.

Continued use of our services constitutes acceptance of any updates.