TERMS & CONDITIONS

Latoya Denise Brands LLC

Effective Date: 1-1-2026

1. Overview

By accessing this website and purchasing from Latoya Denise Brands LLC, you agree to these Terms & Conditions.

2. Digital Products

All products sold (PDFs, guides, meal plans, credit repair kits) are:

• Digital downloads only

• Non-refundable

• Delivered immediately after purchase

3. Intellectual Property

All content is owned by Latoya Denise Brands LLC and may not be:

• Resold

• Shared

• Reproduced

• Distributed

Unauthorized use may result in legal action.

4. No Guarantees

We do not guarantee:

• Weight loss results

• Credit score increases

• Financial outcomes

Results vary based on individual effort and circumstances.

5. Health Disclaimer

The information provided in meal plans and fitness content is for educational purposes only and is not medical advice.

Consult a healthcare professional before starting any program.

6. Credit Repair Disclaimer

Latoya Denise Brands LLC provides educational information and tools only.

We do not:

• Act as a law firm

• Guarantee credit deletions

• Provide legal advice

All users are responsible for their own credit decisions.

7. User Responsibilities

You agree:

• To provide accurate information

• Not to misuse the website

• Not to attempt fraud or chargebacks after receiving digital products

8. Limitation of Liability

We are not liable for:

• Any damages resulting from use of our products

• Financial loss

• Credit decisions made by users

9. Refund Policy

Due to the nature of digital products:
👉 ALL SALES ARE FINAL

10. Changes to Terms

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

11. Governing Law

These Terms are governed by the laws of the State of South Carolina.

12. Contact Information

Latoya Denise Brands LLC
Email: latoyamilliganbrands@yahoo.com