Terms & Conditions
Last Updated: March 20, 2026
Welcome to Erbar Consulting INC. By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully.
1. Acceptance of Terms
By accessing, browsing, or using this website or any services provided by Erbar Consulting INC ("we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.
2. Use of Website
Eligibility
You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. By using this website, you represent and warrant that you meet these requirements.
Permitted Use
You may use this website for lawful purposes only. You agree not to:
- Use the website in any way that violates any applicable federal, state, local, or international law or regulation
- Attempt to gain unauthorized access to any portion of the website or any systems or networks connected to the website
- Transmit any viruses, malware, or other malicious code
- Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website
- Collect or harvest any personal information from other users without their consent
3. Financial Services
No Guarantee of Approval
Submission of an application for financing does not guarantee approval. All lending decisions are made at our sole discretion based on our underwriting criteria, creditworthiness evaluation, and other factors we deem relevant.
Loan Terms
The specific terms of any financing arrangement, including interest rates, fees, repayment schedules, and collateral requirements, will be set forth in a separate loan agreement. These Terms & Conditions do not constitute a loan agreement or commitment to lend.
Accuracy of Information
You agree to provide accurate, current, and complete information in all applications and communications with us. Providing false or misleading information may result in denial of your application or termination of any existing financing relationship.
4. SMS Terms & Conditions
If you opt in to receive SMS/text messages from Erbar Consulting INC:
By providing your mobile phone number and consent through our website, you agree to receive recurring marketing and promotional SMS/MMS messages from Erbar Consulting INC about our financial products, services, offers, and updates. These messages may be sent using an automated telephone dialing system (ATDS).
Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though the actual number may be higher or lower depending on your interactions with us and current promotions.
Message and Data Rates: Message and data rates may apply. Check with your mobile carrier for details on your text messaging plan.
Opt-Out / STOP: You may opt out of SMS messages at any time by replying STOP to any text message you receive from us. Upon sending STOP, you will receive a confirmation message, and no further messages will be sent unless you opt in again. Opting out of SMS messages will not affect your ability to receive services from Erbar Consulting INC through other channels.
HELP: For help or more information about our SMS program, reply HELP to any message or contact us at monika@erbar-consulting.com.
Consent is NOT a Condition of Purchase: You are not required to agree to receive promotional text messages as a condition of purchasing any goods or services from Erbar Consulting INC. Your decision to opt in or opt out of SMS messages will not affect your eligibility for our financial products or services.
Supported Carriers: Our SMS service is available on most major U.S. carriers. Message delivery is subject to your carrier's network availability and any limitations they may impose.
Changes to SMS Program: We reserve the right to modify or terminate our SMS program at any time without prior notice. We may also modify the frequency of messages or the content of messages as we deem appropriate.
5. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Erbar Consulting INC or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.
6. Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by Erbar Consulting INC. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party content or services.
7. Disclaimer of Warranties
This website and all services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that:
- The website or services will be uninterrupted, timely, secure, or error-free
- The information provided on the website is accurate, complete, or current
- Any defects or errors will be corrected
8. Limitation of Liability
To the fullest extent permitted by law, Erbar Consulting INC, its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website or our services, even if we have been advised of the possibility of such damages.
9. Indemnification
You agree to indemnify, defend, and hold harmless Erbar Consulting INC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:
- Your use of the website or services
- Your violation of these Terms & Conditions
- Your violation of any rights of another party
- Any false or misleading information you provide
10. Governing Law and Jurisdiction
These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any legal action or proceeding arising out of or related to these Terms & Conditions shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the jurisdiction of such courts.
11. Changes to Terms
We reserve the right to modify or replace these Terms & Conditions at any time at our sole discretion. We will provide notice of any material changes by posting the new Terms & Conditions on this page and updating the "Last Updated" date. Your continued use of the website after any changes constitutes your acceptance of the new terms.
12. Severability
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
13. Entire Agreement
These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and Erbar Consulting INC regarding the use of this website and supersede all prior agreements and understandings.
14. Contact Information
If you have any questions or concerns about these Terms & Conditions, please contact us:
Erbar Consulting INC
3155 Montrose Ave Apt 107
La Crescenta, CA 91214
Email: monika@erbar-consulting.com