TERMS AND CONDITIONS
Effective Date: 06/21/2025
Welcome to stephenonwenu.com (the “Site”), operated by Onwenu Financial Service Inc. (“Company,” “we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use the Site.
1. Services Provided
We provide credit repair and related services, including credit analysis, dispute resolution, credit education, and 90-day personalized action plans. All services are subject to applicable federal and state laws.
2. Eligibility
You must be at least 18 years old and a legal resident of the United States to use our services. By using our Site, you confirm that you meet these requirements.
3. No Guarantee
We do not guarantee specific outcomes. Credit repair involves a variety of factors beyond our control, including creditor and bureau policies, payment history, and overall financial behavior.
4. Payment Terms
All fees are disclosed prior to the purchase of services. You agree to pay all fees as described and authorize us to charge your provided payment method. No refunds are issued after services begin unless otherwise specified in writing.
5. Intellectual Property
All content, branding, and materials on the Site are the property of Onwenu Financial Service Inc. or its licensors. You may not copy, reproduce, or distribute any content without our written permission.
6. User Conduct
You agree not to use this Site for any unlawful purpose, including but not limited to fraud, unauthorized access, or interfering with the operation of the Site.
7. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the Site or services.
8. Modifications
We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Site after changes constitutes your acceptance of the new terms.
9. Governing Law
These Terms are governed by the laws of the State of Tennessee, without regard to conflict of law principles.
10. Contact
For questions about these Terms, contact us at: