By using our services, you agree to the following:

1. Purpose of Service

Victorya LLC provides general education, guidance, and customer support. We do not offer lending, loans, or high-risk financial services.

2. Client Responsibility

You agree to provide accurate information and maintain access to any required accounts or tools needed for communication.

3. Payments & Fees

Any setup fee, monthly service charge, or optional product purchased is non-refundable once service has begun.

4. Communication Consent

By submitting your information, you consent to receive calls, emails, and SMS messages from Victorya LLC. Message & data rates may apply.

5. Cancellation

You may cancel service at any time by contacting us in writing. Cancellation stops future charges; past charges are not refunded.

6. Privacy

Your information is protected and used only to provide our services. See our Privacy Policy for details.

7. Legal Compliance

We operate in compliance with applicable consumer-protection laws.