Terms of Service

1. Acceptance of Terms

By accessing and using the Volotogo website (volotogo.com) and services, you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Nature of Services

Volotogo, operated by Agency 305, LLC, provides financial education and consultation services only. We are not a credit repair organization as defined under the Credit Repair Organizations Act (CROA) or any similar state law. We do not:

• Dispute items on your credit report on your behalf
• Contact credit bureaus or creditors on your behalf
• Guarantee any specific improvement in your credit score
• Provide legal or financial advice
• Act as your agent or representative in any financial matter

Our services consist solely of educating you about credit, credit reports, consumer rights, and personal finance strategies so that you may take action independently.

3. No Guarantees of Results

Individual results vary significantly based on a person's unique financial situation, consistency of effort, and other factors outside our control. Any success stories, testimonials, or average improvements mentioned on our website represent the experiences of specific clients and are not guarantees that you will achieve similar results.

4. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use our services. By using our services, you represent that you meet these requirements.

5. User Responsibilities

By using our services, you agree to:

• Provide accurate and truthful information in all forms and communications
• Use our educational content for lawful personal purposes only
• Not misuse or exploit our consultation services
• Take full personal responsibility for any financial decisions you make

6. Intellectual Property

All content on this website, including text, graphics, logos, and educational materials, is the property of Agency 305, LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Communications

By submitting your contact information, you consent to receive calls, emails, or text messages from Volotogo financial educators regarding your consultation request. Message and data rates may apply. You may opt out of communications at any time by replying STOP to any text message or contacting us at support@volotogo.com.

8. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that our services will meet your specific needs, that educational information will produce specific results, or that the website will be error-free or uninterrupted.

9. Limitation of Liability

To the fullest extent permitted by law, Agency 305, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or your reliance on any information provided.

10. Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Miami-Dade County, Florida.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of our services after changes constitutes acceptance of the updated Terms.

12. Contact

Agency 305, LLC
126 Sidonia Ave #7
Coral Gables, FL 33134
Email: support@volotogo.com
Phone: (800) 555-6535