Terms and Conditions

Effective Date: August 6, 2026
Last Updated: August 6, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the website, products, communications, and services provided by ARH Development Inc DBA The Credit Desk (“The Credit Desk,” “Company,” “we,” “us,” or “our”).

By visiting our website, submitting a form, purchasing a service, scheduling a consultation, or otherwise using our services, you agree to these Terms. Please do not use our website or services if you do not agree to these Terms.

1. Our Services

The Credit Desk provides business-formation assistance, business consulting, document-preparation support, compliance assistance, business-credit education, and related business services.

The specific services included in your purchase will be described on the applicable website page, checkout page, order form, proposal, or service agreement.

Services may include:

Business entity formation assistance
Name availability and filing assistance
EIN application assistance
Registered-agent services
Business document preparation
Business structure and compliance education
Licensing and registration research
Business banking, merchant account, and credit education
Consultations and ongoing service reminders

Services may vary depending on your selected package, state, entity type, eligibility, and applicable legal requirements.

2. No Legal, Tax, Accounting, or Financial Advice

Information provided through our website, consultations, documents, emails, text messages, or other communications is intended for general educational and informational purposes.

Nothing provided by The Credit Desk should be interpreted as legal, tax, accounting, investment, or financial advice. Use of our services does not create an attorney-client, accountant-client, fiduciary, or other professional relationship.

You should consult a licensed attorney, accountant, tax professional, or financial adviser regarding decisions specific to your circumstances.

3. No Guarantee of Results

The Credit Desk does not guarantee:

Approval for financing, credit cards, business bank accounts, merchant accounts, or credit lines
A specific credit score or credit limit
Approval of a business name, license, permit, tax election, or government filing
A particular processing or completion date
Acceptance by a bank, lender, government agency, credit bureau, or other third party
Any specific financial, legal, tax, or business outcome

Decisions made by government agencies, lenders, banks, credit bureaus, payment processors, and other third parties are outside our control.

4. Customer Responsibilities

You agree to provide complete, current, and accurate information when using our services.

You are responsible for:

Reviewing information before it is submitted
Providing requested documents and signatures
Responding to requests within a reasonable period
Confirming the accuracy of names, addresses, ownership information, and other business details
Meeting ongoing filing, licensing, tax, and compliance obligations
Keeping your contact and payment information current

The Credit Desk is not responsible for delays, rejections, penalties, or other consequences caused by inaccurate information, missing documents, delayed responses, or failure to follow instructions.

5. Payments and Service Agreements

Prices and payment terms will be presented on the applicable checkout page, order form, invoice, proposal, or service agreement.

By submitting payment information, you represent that you are authorized to use the selected payment method and authorize us or our payment processor to charge the stated amount.

The exact scope of services, payment schedule, cancellation rights, and refund eligibility may also be addressed in a separate order form or service agreement. If a signed service agreement conflicts with these general Terms, the signed service agreement will control for that purchase.

6. Third-Party Services

Some services may require interaction with third parties, including government agencies, registered agents, financial institutions, payment processors, credit bureaus, software platforms, and other service providers.

Third parties operate under their own terms, policies, eligibility standards, processing schedules, and fees. The Credit Desk is not responsible for the acts, omissions, availability, decisions, security practices, or performance of third parties.

Links to third-party websites are provided for convenience and do not necessarily constitute an endorsement.

7. Intellectual Property

The website and its content, including text, graphics, branding, logos, designs, downloads, documents, videos, and other materials, are owned by or licensed to The Credit Desk and are protected by applicable intellectual-property laws.

You may use materials provided to you for your personal or internal business purposes. You may not copy, resell, distribute, publish, modify, or commercially exploit our materials without prior written permission.

8. Acceptable Use

You agree not to:

Use our website or services for fraudulent, deceptive, or unlawful purposes
Submit false or misleading information
Attempt to gain unauthorized access to our systems or accounts
Upload malicious software or interfere with website operation
Copy, scrape, or reproduce website content without permission
Impersonate another person or business
Use our services to violate another party’s rights

We may suspend or terminate access when we reasonably believe these Terms have been violated.

9. Email and Telephone Communications

By providing your contact information, you authorize The Credit Desk to contact you regarding your inquiry, appointments, purchases, account, requested services, and customer-support needs.

Your consent to receive marketing communications, when applicable, will be collected separately. You may unsubscribe from marketing emails by following the instructions included in the email.

10. SMS Terms and Conditions

Program name

The Credit Desk Appointment Reminders and Customer Updates

Description

When you expressly opt in, The Credit Desk may send text messages related to:

Responses to inquiries you submitted
Consultation confirmations
Appointment reminders
Scheduling and rescheduling
Requests for information related to your service
Account or service-status updates
Customer-support communications

Transactional SMS consent does not authorize unrelated promotional or third-party marketing messages.

How you opt in

You may opt in by entering your mobile telephone number on a The Credit Desk online form and affirmatively checking the SMS-consent checkbox.

The checkbox is optional and is not selected automatically. Consent to receive text messages is not a condition of purchasing any product or service.

Message frequency

Message frequency varies depending on your inquiries, appointments, requested services, and interactions with The Credit Desk.

Message and data rates

Message and data rates may apply according to the terms of your wireless service plan. The Credit Desk does not charge a separate fee for receiving its text messages, although your wireless carrier may charge you.

Opting out

You may stop receiving text messages at any time by replying STOP.

After replying STOP, you may receive one final confirmation stating that you have been unsubscribed. No additional messages will be sent unless you provide consent again.

Other reasonable opt-out requests will also be honored.

Help

For assistance, reply HELP or contact:

Email: info@creditdeskbusiness.com

Supported carriers and delivery

Wireless carriers are not responsible for delayed or undelivered messages. Message delivery may be affected by carrier availability, device compatibility, service coverage, and other conditions outside The Credit Desk’s control.

Mobile information and consent

Mobile telephone information, SMS opt-in records, and text-message consent will not be sold, rented, or shared with third parties or affiliates for their marketing or promotional purposes.

We may provide information to service providers that help us operate our messaging program, but only as necessary to provide the requested messaging services.

For additional information about how personal information is collected and used, please review our Privacy Policy.

11. Privacy

Your use of the website and services is also governed by our Privacy Policy.

12. Disclaimers

The website and services are provided on an “as available” and “as is” basis to the fullest extent permitted by law.

We do not warrant that:

The website will always be available or error-free
All content will always be complete or current
Third-party services will perform without interruption
Services will produce a particular business, credit, funding, or financial result

Nothing in these Terms excludes warranties or rights that cannot legally be excluded.

13. Limitation of Liability

To the fullest extent permitted by law, The Credit Desk and its officers, employees, contractors, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages resulting from your use of or inability to use the website or services.

Our total liability relating to a particular service will not exceed the amount you paid The Credit Desk for that service, except where such a limitation is prohibited by law.

14. Indemnification

You agree to indemnify and hold harmless The Credit Desk and its officers, employees, contractors, and representatives from claims, losses, liabilities, costs, or expenses arising from:

Information or instructions you provide
Your misuse of the website or services
Your violation of these Terms
Your violation of applicable law or another party’s rights

15. Termination

We may suspend or terminate services when:

Payments are not made as agreed
Required information or cooperation is not provided
False or fraudulent information is submitted
The website or services are misused
Continuing the service would violate applicable law or policy

Termination does not eliminate payment or other obligations incurred before termination.

16. Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law principles.

Before initiating a legal claim, both parties agree to make a reasonable good-faith effort to resolve the matter informally.

17. Changes to These Terms

We may update these Terms periodically to reflect changes to our services, business practices, technology, or legal requirements.

Updated Terms will be posted on this page with a revised “Last Updated” date. Continued use of the website or services following an update constitutes acceptance of the revised Terms.

18. Contact Us

Questions about these Terms may be directed to:

ARH Development Inc DBA The Credit Desk
445 Broadhollow Road, Suite 124
Melville, NY 11747

Email: info@creditdeskbusiness.com