Effective Date: 07/25/2026
Welcome to Botello Credit Group (a DBA of OTC Consulting LLC). These Terms and Conditions ("Terms") govern your use of our website (https://botellocreditgroup.com), our services, and any communications you receive from us. By accessing our website, engaging our services, or opting in to communications, you agree to be bound by these Terms.
Your use of our website and services is also governed by our Privacy Policy, available at https://botellocreditgroup.com/privacy-policy, which is incorporated into these Terms by reference. By accepting these Terms, you also accept the terms of our Privacy Policy.
1. About Our Services
Botello Credit Group (a DBA of OTC Consulting LLC) provides financial consulting services, including personalized consultations and financial guidance to consumers in the United States. Services include:
Financial consultations and account reviews
Financial education and guidance
Personalized planning and recovery strategies
Ongoing consultation support
We do not guarantee specific results. Outcomes depend on individual circumstances and client cooperation.
2. Eligibility
You must be at least 18 years of age and a legal resident of the United States to use our services. By using our website or services, you represent and warrant that you meet these requirements.
3. Consumer Rights
You have the right to cancel any service agreement within the timeframe specified in your individual contract with us. You are not required to use our services to address your financial situation, and you retain full rights to communicate directly with any financial institution or creditor on your own behalf at no cost.
4. SMS/Text Messaging Terms
By providing your phone number and opting in through the consent checkbox on our website, you consent to receive SMS text messages from Botello Credit Group (a DBA of OTC Consulting LLC).
Program Description: Our SMS program sends appointment confirmations, appointment reminders, consultation follow-ups, service updates, and account notifications.
Message Frequency: Message frequency varies based on your engagement with our services. You may receive up to 10 messages per month.
Message and Data Rates: Message and data rates may apply per your mobile carrier's plan. Botello Credit Group is not responsible for any carrier charges.
Opt-In: You opt in by submitting your phone number through the contact form on our website and actively checking the consent checkbox next to the phone number field.
Opt-Out: You can opt out of SMS messages at any time by replying STOP to any message. After replying STOP, you will receive one final confirmation message. You will no longer receive SMS messages from us unless you opt back in.
Help: For assistance, reply HELP to any message or contact us at [email protected] or +1 817-809-9679.
Supported Carriers: Our SMS program is compatible with major U.S. wireless carriers, including AT&T, Verizon, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Cricket, and others.
Carrier Liability Disclaimer: Carriers are not liable for delayed or undelivered messages.
No Third-Party Sharing: Your mobile phone number and SMS opt-in information will never be shared, sold, or rented to third parties or affiliates for any purpose.
5. Use of Our Website
You agree not to:
Use the website for any unlawful purpose
Attempt to gain unauthorized access to any part of the website or its systems
Interfere with the security or functionality of the website
Copy, reproduce, or distribute any content from the website without written permission
Submit false, misleading, or fraudulent information
We reserve the right to suspend or terminate access to our website or services for violations of these Terms.
6. Payments and Fees
Fees for our services are disclosed during your consultation and outlined in your service agreement. Payment terms, refund policies, and cancellation rights are detailed in the individual service agreement you sign. All payments are non-refundable except as required by law or expressly stated in your contract.
7. Intellectual Property
All content on our website — including text, graphics, logos, images, videos, and software — is the property of Botello Credit Group (OTC Consulting LLC) or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not use, copy, or distribute any content without our prior written consent.
8. Disclaimers
Our services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of our website or services.
We do not guarantee specific outcomes from our consulting services. Results depend on individual circumstances, cooperation, and factors outside our control.
9. Limitation of Liability
To the fullest extent permitted by law, Botello Credit Group, OTC Consulting LLC, and its owners, employees, contractors, and affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, including but not limited to lost profits, data loss, or business interruption.
10. Indemnification
You agree to indemnify, defend, and hold harmless Botello Credit Group, OTC Consulting LLC, and its officers, employees, and agents from any claims, damages, losses, or expenses (including attorneys' fees) arising from your use of our services, your violation of these Terms, or your violation of any law or third-party rights.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of laws principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Tarrant County, Texas.
(Note: I set this to Texas / Tarrant County based on your business phone number's area code (817 = Fort Worth, TX). If OTC Consulting LLC is registered in a different state, replace with your actual state of incorporation and the county where your registered agent is located.)
12. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Effective Date." Continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.
13. Privacy Policy
Our collection, use, and disclosure of your personal information — including phone numbers submitted for SMS communications — is governed by our Privacy Policy. Please review our full Privacy Policy at:
https://botellocreditgroup.com/privacy-policy
The Privacy Policy is incorporated into these Terms by reference. By accepting these Terms, you acknowledge that you have read and understood our Privacy Policy.
14. Contact Us
If you have questions about these Terms, please contact:
Botello Credit Group (a DBA of OTC Consulting LLC)
Email: [email protected]
Phone: +1 817-809-9679
Website: https://botellocreditgroup.com
Privacy Policy: https://botellocreditgroup.com/privacy-policy