TERMS OF SERVICE

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Introduction

Welcome to the Terms of Service (“Terms”) for DAB Credit Repair DBA DB Legacy Group (“we,” “us,” “our”). These Terms govern your access to and use of our website, services, and any SMS/MMS communications you receive from us. By opting in, accessing, or using our services — including SMS — you agree to be bound by these Terms.

Please read them carefully. If you do not agree, please do not use our services or opt into SMS messaging.

Business Identity & Contact Information

Business Name: DAB Credit Repair DBA DB Legacy Group (DBA as applicable)
Website: dawnbowe.com
Support Email: dawn@dawnbowe.com
Phone Number: 404-917-3495
Business Address: 4920 Bells Ferry Rd, Ste 134-2293

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Program Name & Description

Program Name: DAB Credit Repair DBA DB Legacy Group SMS Communications
Description: 
This program sends SMS messages to users who have opted in via our website form. Messages may include appointment reminders, service updates, account notifications, and educational information related to credit services. Message frequency varies. Msg & data rates may apply. To unsubscribe, reply STOP at any time and you will be opted out of SMS messages. To rejoin, resubmit the form and opt in again. For assistance, reply HELP or contact us at [dawn@dawnbowe.com] or [404-917-3495]. Carriers are not liable for delayed or undelivered messages. For privacy info, see our Privacy Policy [link].
By consenting, you will receive messages from DB Legacy Group regarding:

• Appointment reminders

• Service updates

• Account notifications

• Educational information related to credit consulting and financial services

Message frequency may vary based on interactions and account activity.

SMS Opt-Out / STOP Instructions

You may cancel or stop receiving SMS messages at any time.
To opt out, simply reply STOP to any message you receive from us. After opting out, we may send you one final confirmation message.

Rejoining Instructions

If you previously opted out and would like to rejoin, you can resubscribe by submitting your mobile number again through our website forms and checking the SMS consent box. Message frequency varies. Message & data rates may apply.

HELP Instructions

If you need assistance, reply HELP to any SMS message or contact us at dawn@dawnbowe.com or 404-917-3495 for support.

Message & Data Rates Disclaimer

Message frequency may vary. Message & data rates may apply. You are responsible for any fees charged by your wireless provider.

Carrier Liability Disclaimer

Carriers such as AT&T, T-Mobile, Verizon, etc., are not liable for any delay or failure to deliver messages sent through our service. We are not responsible for your wireless provider’s performance or delivery issues.

Privacy Policy

Your use of our services, including SMS, is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
Read it here: [link]

This Privacy Policy is incorporated into these Terms by reference and is essential to how we provide services.

Compliance With Industry Standards & Laws

We operate according to applicable industry standards, including SMS compliance requirements and applicable U.S. and state laws. This includes adherence to consumer protection, data privacy, and communications laws such as the TCPA (Telephone Consumer Protection Act), CAN-SPAM Act, and all carrier messaging policies.

You agree not to use our services in any unlawful manner or in violation of these Terms.

Website & Opt-In Form Requirements

Our Terms and Privacy Policy are publicly accessible and linked from all opt-in forms and the website footer. This ensures transparency about how SMS consent is collected and processed.

Changes to Terms

We may update these Terms from time to time. When changes are made, the “Last Updated” date at the top of this page will be revised. Continued use of our services after changes constitutes acceptance of the updated Terms.

Limitation of Liability

To the fullest extent permitted by law, DB Legacy Group, LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Governing Law

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

We are committed to achieving full compliance with accessibility standards and welcome feedback from users. If you encounter any accessibility barriers on our site, please let us know so that we can promptly address the issue.