Effective Date: July 2026
Last Updated: July 2026

Welcome to Scrumptious Enterprises LLC (“Scrumptious Enterprises,” “Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, products, services, consultations, funding assistance, credit repair services, business credit consulting, educational resources, and related offerings.

By accessing our website or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use of our website and services.

1. Company Information

Scrumptious Enterprises LLC is a veteran-owned financial consulting company that provides services including, but not limited to:

Business Funding Consulting
Funding Readiness Assessments
Business Credit Building
Credit Repair Services
Credit Consulting
Working Capital Consulting
Equipment Financing Assistance
Merchant Cash Advance Assistance
Startup Funding Guidance
Financial Education

Unless expressly stated otherwise in writing, Scrumptious Enterprises LLC is not a bank, credit union, or direct lender. We assist clients in evaluating financing options and connecting with third-party funding providers where appropriate.

2. Eligibility

You must be at least eighteen (18) years of age and legally capable of entering into binding contracts to use our services.

By using our services, you represent that:

The information you provide is truthful and accurate.
You have authority to act on behalf of your business.
You will not use our services for unlawful purposes.

3. No Guarantee of Funding

Submitting an inquiry, application, consultation request, or funding assessment does not guarantee:

Loan approval
Business funding
Credit approval
Specific funding amounts
Interest rates
Financing terms
Funding timelines

All lending decisions are made solely by participating financial institutions, funding providers, or financing partners according to their underwriting guidelines.

4. Credit Repair Services

If you purchase credit repair services, additional agreements and disclosures required under applicable federal and state law, including the Credit Repair Organizations Act (CROA), may apply.

Results vary based on each client’s unique circumstances. Scrumptious Enterprises LLC cannot guarantee specific credit score increases, removal of particular items, or approval for future financing.

5. Business Credit Consulting

Business credit building services are educational and consulting services designed to help clients establish and strengthen business credit profiles.

Individual results depend on numerous factors, including but not limited to:

Credit history
Business structure
Lender requirements
Financial management
Timely payment history

No specific funding or credit outcomes are guaranteed.

6. Educational Content

Information provided through our website, consultations, blogs, guides, calculators, videos, webinars, emails, or other educational materials is intended solely for informational and educational purposes.

Nothing on this website should be interpreted as:

Legal advice
Tax advice
Accounting advice
Investment advice
Financial planning advice

You should consult qualified professionals before making financial, legal, tax, or business decisions.

7. Fees and Payments

Certain products and services require payment before services begin.

By purchasing services, you authorize Scrumptious Enterprises LLC or its payment processor to charge the payment method provided.

Unless otherwise stated in a signed agreement:

Fees are non-refundable once services have commenced.
Subscription services renew according to the selected plan until canceled, if applicable.
Payment processing is handled securely through third-party providers.

8. Appointments and Consultations

Clients are responsible for scheduling consultations through our booking platform.

We reserve the right to reschedule appointments due to unforeseen circumstances.

Repeated missed appointments or excessive cancellations may result in service termination.

9. User Responsibilities

You agree to:

Provide accurate information
Promptly respond to document requests
Maintain confidentiality of your account credentials
Use our website lawfully
Refrain from submitting false or misleading information

Failure to cooperate may delay or prevent services from being completed.

10. Third-Party Providers

We may introduce clients to third-party service providers, lenders, payment processors, software providers, or business partners.

Scrumptious Enterprises LLC is not responsible for:

Third-party underwriting decisions
Lending terms
Funding timelines
Third-party policies
Products or services provided by external organizations

Your relationship with those providers is governed by their own agreements and policies.

11. Intellectual Property

All website content, including but not limited to:

Logos
Branding
Graphics
Icons
Videos
Photography
Website design
Blog content
Educational materials
Downloads
Software
Copywriting

is the property of Scrumptious Enterprises LLC or its licensors and is protected under applicable intellectual property laws.

No content may be copied, reproduced, modified, distributed, or used without prior written permission.

12. Website Use

You agree not to:

Attempt unauthorized access to our systems.
Upload malicious code or malware.
Use automated tools to scrape website content.
Misrepresent your identity.
Interfere with website operations.

We reserve the right to suspend or terminate access for violations of these Terms.

13. Limitation of Liability

To the fullest extent permitted by law, Scrumptious Enterprises LLC and its owners, employees, contractors, affiliates, and partners shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to:

Use of our website
Funding decisions
Credit decisions
Business losses
Lost profits
Lost opportunities
Delays in funding
Third-party actions
Technical interruptions

Our total liability for any claim shall not exceed the amount paid by the client for the specific service giving rise to the claim.

14. Indemnification

You agree to indemnify and hold harmless Scrumptious Enterprises LLC, its officers, employees, contractors, and affiliates from any claims, liabilities, damages, losses, or expenses arising from:

Your use of our services
Violation of these Terms
Misrepresentation of information
Violation of applicable laws

15. Disclaimer of Warranties

All services and website content are provided on an “as is” and “as available” basis.

We make no warranties, express or implied, regarding:

Website availability
Funding approvals
Credit outcomes
Business success
Financial performance
Accuracy of third-party information

16. Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Nevada, without regard to conflict of law principles.

Any disputes shall be resolved exclusively in the state or federal courts located in Clark County, Nevada.

17. Changes to These Terms

We reserve the right to modify these Terms at any time.

Updated Terms will be posted on this page with a revised “Last Updated” date.

Continued use of our website constitutes acceptance of any revised Terms.

18. Contact Information

If you have questions regarding these Terms of Service, please contact us:

Scrumptious Enterprises LLC

Email: eugplm77@gmail.com

Phone: (725) 210-4747

Legal Notice

These Terms of Service are intended to establish the general legal relationship between Scrumptious Enterprises LLC and its website users. Because the company operates in the financial services industry, additional agreements, disclosures, lender-specific terms, credit repair disclosures, funding agreements, or other legally required documents may apply depending on the services requested. Scrumptious Enterprises LLC recommends that these Terms be reviewed by qualified legal counsel familiar with financial services, consumer protection, privacy, and Nevada business law prior to publication.