Effective Date: January 1, 2026
Welcome to King Credit Services Inc. These Terms and Conditions ("Terms") govern your access to and use of our website king-credit-services.com and our financial services. By accessing our website or using our services, you agree to be bound by these Terms.
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree to these Terms, please do not use our services.
King Credit Services Inc is a direct business lender providing various financing solutions including, but not limited to:
All funding is subject to credit approval and our internal underwriting criteria. We reserve the right to decline any application at our sole discretion.
To apply for funding through King Credit Services Inc, you must:
When you submit a funding application, you represent and warrant that:
Submission of an application does not guarantee approval or funding. We may request additional documentation or information at any time during the evaluation process.
If your application is approved, specific terms including interest rates, fees, repayment schedules, and collateral requirements will be outlined in a separate loan agreement. You are not obligated to proceed with funding until you have reviewed and signed the final loan agreement.
Each loan is subject to its own terms and conditions as specified in the individual loan agreement, which takes precedence over these general Terms for matters specific to that loan.
By opting in to receive SMS/MMS messages from King Credit Services Inc, you agree to the following terms:
Program Description: King Credit Services Inc offers a text messaging program that provides subscribers with recurring marketing and promotional messages about our financial products and services. Messages are sent using an automated telephone dialing system (ATDS).
Consent: You are not required to consent to receiving marketing text messages as a condition of purchasing any goods or services. Consent is NOT a condition of purchase or use of our lending services.
Message Frequency: Message frequency varies depending on your interaction with our services. You may receive up to 4 messages per month. We do not charge for messages, but message and data rates may apply based on your mobile carrier's plan.
Supported Carriers: The program is supported by major U.S. wireless carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Message delivery is not guaranteed and is subject to carrier limitations, network availability, and your device's capabilities.
Opt-Out Instructions: You may opt out of receiving text messages at any time by:
After opting out, you will receive one final confirmation message, and then no further messages will be sent unless you opt back in.
Help Information: For assistance with the text messaging program, reply HELP to any message or contact us at juan@king-credit-services.com. Help response: "King Credit Services Inc: Msg&Data rates may apply. Reply STOP to unsubscribe. Help: juan@king-credit-services.com"
Privacy: We respect your privacy. Information collected through the text messaging program is subject to our Privacy Policy. We do not share mobile opt-in information with third parties for their marketing purposes.
Changes to Program: We reserve the right to modify or discontinue the text messaging program at any time with or without notice. We may change message frequency, content, or supported carriers at our discretion.
User Responsibilities: You are responsible for:
We may charge various fees in connection with our services, including but not limited to:
All applicable fees will be disclosed in your loan agreement. You are responsible for all fees and charges incurred in connection with your loan.
You agree to repay all amounts borrowed according to the terms specified in your loan agreement. This includes:
Failure to meet your repayment obligations may result in additional fees, negative credit reporting, collection actions, and legal proceedings.
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:
All content on our website, including text, graphics, logos, images, and software, is the property of King Credit Services Inc or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.
Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party sites is at your own risk and subject to their terms and policies.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:
To the fullest extent permitted by law, King Credit Services Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
Our total liability for any claims related to our services shall not exceed the amount you paid to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless King Credit Services Inc, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of:
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.
Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in Houston, Texas, in accordance with the rules of the American Arbitration Association. You waive any right to a jury trial or to participate in a class action.
We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website with a new effective date. Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
For questions about these Terms or our services, please contact us:
King Credit Services Inc
10855 Telephone Rd
Houston, TX 77075
Email: juan@king-credit-services.com
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.