Terms of Service
K&B Approvals
Effective Date: January 1, 2026
SMS Messaging Terms & Compliance
1. Program Description
This messaging program sends appointment confirmations, updates, and service-related notifications to users who have engaged with K&B Approvals through our website at https://kandbapprovals.com/, scheduling forms, or other communication channels and have explicitly opted in to receive SMS notifications.
Opt-in is collected through web forms with a dedicated checkbox for SMS consent. Messages may include:
• Appointment confirmations and reminders
• Application status updates
• Funding or approval notifications
• Customer support communications
• Important account or service-related updates
2. Cancellation Instructions
You can cancel the SMS service at any time by replying "STOP" to any message you receive from us.
After sending "STOP," you will receive a confirmation message, and you will no longer receive SMS communications from us.
To rejoin, simply opt in again through our website or forms.
3. Support Information
If you experience issues with our messaging program, reply with "HELP" or contact us directly at:
Email: [email protected]
Website: https://kandbapprovals.com/
4. Carrier Liability
Wireless carriers are not responsible for delayed or undelivered messages.
5. Message & Data Rates
Message and data rates may apply for messages sent to you from us and from you to us.
Message frequency may vary depending on your engagement, application status, and service usage.
For questions about your messaging or data plan, please contact your wireless provider.
6. Supported Carriers
Our messaging services are supported by major U.S. wireless carriers and most regional carriers. Compatibility may vary depending on your carrier and device.
7. Age Restriction
You must be at least 18 years old to use our services or participate in our SMS program.
8. Privacy Policy
For information on how we collect, use, and protect your data, please review our Privacy Policy at:
https://kandbapprovals.com/privacy-policy
We comply with applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.
General Terms
This website (the "Site") is owned and operated by K&B Approvals ("Company," "we," "us," or "our").
By accessing or using this Site, you agree to be bound by these Terms of Service, our Privacy Policy, and any additional terms that may apply to specific services or sections of the Site.
We reserve the right to update or modify these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of those changes.
Intellectual Property Rights
Our Limited License to You
All content on this Site, including text, graphics, logos, and digital materials, is the property of K&B Approvals or its licensors and is protected by intellectual property laws.
You are granted a limited, non-transferable license for personal, non-commercial use only.
You may not:
• Copy, reproduce, or distribute content
• Modify or create derivative works
• Use content for commercial purposes without written consent
Your License to Us
By submitting any content (including messages, testimonials, or media) to us, you represent that you own or have permission to share such content.
You grant us a worldwide, royalty-free, perpetual license to use, reproduce, modify, and distribute that content for business and marketing purposes.
Disclaimers
We may provide links to third-party websites. These links do not imply endorsement, and we are not responsible for their content or services.
All information, services, and materials on this Site are provided "as is" without warranties of any kind, either express or implied.
We disclaim all warranties, including but not limited to:
• Merchantability
• Fitness for a particular purpose
• Accuracy or reliability of information
Online Services & Third Parties
Certain services offered through this Site may involve third-party providers, including lenders, financial institutions, or service partners.
We do not guarantee:
• Approval for funding or credit
• Specific financial outcomes
• Terms offered by third parties
Any agreements or transactions you enter into with third parties are solely between you and that third party.
K&B Approvals is not responsible for any loss or damages resulting from such interactions.
Registration & Account Security
To access certain features, you may be required to provide personal information or create an account.
You agree to:
• Provide accurate and complete information
• Maintain the confidentiality of your login details
• Notify us immediately of unauthorized use
We are not responsible for any loss resulting from unauthorized access to your account.
No Financial or Legal Advice
The information provided on this Site is for informational purposes only and does not constitute financial, legal, or tax advice.
You should consult with a licensed professional before making any financial decisions.
Termination
We reserve the right to suspend or terminate your access to the Site at any time, without notice, if you violate these Terms or engage in unlawful or inappropriate conduct.
Upon termination, your right to use the Site will immediately cease.
Governing Law
These Terms shall be governed and interpreted in accordance with the laws of the jurisdiction in which K&B Approvals operates.
Any disputes shall be resolved through binding arbitration in that jurisdiction.
Changes to Terms
We may update these Terms of Service at any time. The latest version will always be available on our website with the updated effective date.
Contact Information
If you have any questions regarding these Terms of Service, please contact us:
K&B Approvals
Website: https://kandbapprovals.com/
Email: [email protected]
For privacy-related inquiries, please refer to our privacy policy.
By using our website and services, you acknowledge that you have read, understood, and agreed to these Terms of Service.