TERMS OF SERVICE

Effective Date: March 24, 2025
Arcana Solution LLC,

DBA Icon818 Consulting

Welcome to Arcana Solution LLC, DBA Icon818 Consulting("Website," "we," "us," or "our"). By accessing or using our financial consulting services, tools, resources, or website, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Agreement"). If you disagree, you must immediately stop using the Website and our services.

1. ACCEPTANCE OF TERMS

By accessing the Icon818 website or using our services, you acknowledge that you have read, understood, and agree to these Terms of Service, along with our Privacy Policy.

2. ELIGIBILITY

You must be at least 18 years old to use our services. By using Icon818, you represent that you meet this requirement and have the legal authority to enter into this Agreement.

3. MODIFICATION OF TERMS

We may update these terms periodically. Continued use of the services after updates indicates your acceptance of these changes. It is your responsibility to review these terms periodically.

4. SERVICES PROVIDED

Icon818 provides financial consultation services, including but not limited to:

  • Credit repair guidance

  • Personal and business funding consultation

  • Financial literacy education and resources

Icon818 does not guarantee specific outcomes as financial results can vary based on individual circumstances.

5. USER RESPONSIBILITIES
  • You agree to provide accurate and truthful information at all times.

  • You acknowledge that financial decisions are solely your responsibility, and our services are educational in nature and not a substitute for personalized financial, legal, or professional advice.

6. COMMUNICATION (SMS & PHONE CALLS)

Icon818 strictly complies with federal laws including the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, A2P, and relevant telecommunications regulations:

  • SMS/Text messages and phone calls will only be sent to users who provide explicit consent.

  • You may opt out at any time by replying "STOP" or by contacting support at [email protected]

  • Communication records and consent verification are securely maintained in compliance with regulations.

7. PAYMENT TERMS
  • Payment methods include secure third-party providers (Stripe, PayPal, etc.).

  • Fees for services must be paid prior to service provision.

  • Icon818 does not store payment card details on its servers.

8. ACCOUNT SECURITY

You are responsible for maintaining the confidentiality of your account information, and you agree to immediately notify us if unauthorized account activity occurs.

9. PROHIBITED ACTIVITIES

You agree NOT to:

  • Violate any applicable law or regulation.

  • Impersonate Icon818 or misrepresent your affiliation.

  • Engage in unauthorized data mining or attempt to disrupt or compromise our services.

  • Attempt to bypass any security measures or access unauthorized information.

10. DATA PRIVACY AND SECURITY

Icon818 maintains high standards for data privacy as outlined in our Privacy Policy. Your personal information is never sold or shared for marketing purposes without your explicit consent.

11. INTELLECTUAL PROPERTY

All website content, tools, materials, and resources provided by Icon818 are proprietary and protected under intellectual property laws. You may not redistribute, reproduce, or commercially exploit this content without explicit written permission from Icon818.

12. DISCLAIMER OF WARRANTIES

Services provided by Icon818 are on an "as-is" basis, without warranties of any kind, either expressed or implied. Icon818 specifically disclaims warranties of merchantability, fitness for particular purposes, or non-infringement.

13. LIMITATION OF LIABILITY

Icon818 will not be liable for indirect, consequential, special, or incidental damages arising from or related to your use of our services, even if advised of the possibility of such damages. In all cases, liability shall be limited to the total amount you have paid to Icon818.

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Icon818, its officers, directors, employees, and agents from any claims or liabilities arising from your use of the services or breach of this Agreement.

15. TERMINATION

Icon818 reserves the right to terminate your access to services at any time without notice, should you breach any terms of this Agreement.

16. GOVERNING LAW & DISPUTE RESOLUTION

This Agreement is governed by the laws of the United States and the state in which Icon818 is registered. Any disputes shall be resolved through binding arbitration in accordance with American Arbitration Association (AAA) rules, without resorting to class action.

17. SMS & A2P COMPLIANCE POLICY

Icon818 strictly adheres to federal A2P messaging regulations:

  • Explicit user consent required for all SMS communications.

  • Mandatory disclosure: You may opt-out at any time.

  • SMS opt-in data will never be shared or sold.

  • Full compliance with carrier and federal regulations.

18. GENERAL CONDITIONS

  • If any provision is deemed invalid or unenforceable, all remaining provisions remain fully enforceable.

  • This Agreement, along with the Privacy Policy, represents the entire agreement between Icon818 and you, superseding all previous agreements.

19. CONTACT INFORMATION

For questions regarding these Terms of Service, please contact us at:

Arcana Solution LLC, DBA Icon818 Consulting

Email: [email protected]

Address: 1820 lancaster Street Baltimore MD 21231

By accessing or using Icon818’s services, you explicitly acknowledge and agree to the entirety of these Terms of Service.

Last Updated: April 24, 2025