Terms & Conditions
Last updated: August 2026
Introduction
These Terms and Conditions govern your use of the New Guidance Group website and services. By accessing or using this website, submitting inquiries, or communicating with New Guidance Group, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.
Please read these Terms carefully. They contain important information about your rights and obligations, including limitations on liability and dispute resolution provisions.
Nature of Services
New Guidance Group reviews business debt situations and connects owners with independent servicing companies. We do not negotiate, communicate with creditors, coordinate servicing, or provide fulfillment. Our services may include:
- Reviewing merchant cash advance and commercial debt obligations
- Analyzing payment pressure, business cash flow, and available resources
- Identifying the owner’s needs and priorities for a servicing-company connection
- Reviewing relevant documents and business circumstances
- Connecting business owners with independent servicing companies that handle all fulfillment
Critical Disclaimer:
New Guidance Group is not a lender and does not extend credit or approve financing. Creditors and independent third-party providers make their own decisions about proposals, revised terms, services, costs, timing, and outcomes. New Guidance Group cannot require any creditor or provider to accept a proposal or deliver a particular result.
No Guarantees; No Advice
No Guarantees of Creditor Acceptance or Terms: New Guidance Group makes no guarantees, representations, or warranties that a creditor will accept, reduce, modify, settle, or otherwise change an obligation. All proposals, responses, and final terms depend on the specific circumstances and the decisions of the parties involved.
No Financial, Legal, or Tax Advice: Nothing on this website or provided through our services constitutes legal, tax, accounting, or regulated financial advice. Website information is general in nature. You should consult an appropriately qualified professional for decisions requiring that expertise.
No Promises of Outcomes: New Guidance Group does not promise or guarantee a reduction, revised payment, creditor agreement, timeline, cash-flow improvement, business result, or any other particular outcome.
User Responsibilities
By using our website and services, you agree to:
- Provide accurate, complete, and truthful information
- Use the website and services only for lawful purposes
- Not misrepresent yourself or your business
- Not use the website to transmit malicious code or interfere with its operation
- Independently evaluate any creditor proposal or third-party service you choose to pursue
- Read and understand any agreements or revised terms before signing
- Seek advice from your own professional advisors as needed
Text Messaging and Communication Terms
Program Name: New Guidance Group Alerts
By submitting a form on our website and providing your consent, you agree to receive SMS text messages and email communications from New Guidance Group at the phone number and email address you provide. These communications may include information about your inquiry, follow-up questions, reminders, updates, and related information about our services.
Standard SMS Terms:
- Message and data rates may apply
- Message frequency varies based on your interaction with us
- To opt out of text messages, reply STOP to any message
- For help, reply HELP or contact info@newguidancegroup.com
- Your consent to receive text messages is not a condition of any purchase or services
- Carriers are not liable for delayed or undelivered messages. Delivery of messages is subject to carrier limitations and technical factors beyond our control.
- Supported carriers include AT&T, T-Mobile, Verizon, Sprint, and other major U.S. carriers. Check with your carrier for details.
Intellectual Property
All content on this website, including text, graphics, logos, images, design elements, and software, is the property of New Guidance Group or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any content on this website without our prior written permission.
Third-Party Links and Providers
Our website may contain links to third-party websites, and we may connect you with independent servicing companies or other providers. New Guidance Group is not responsible for:
- The content, accuracy, or practices of third-party websites
- The services, terms, costs, or conditions offered by third-party providers
- The decisions, actions, or omissions of third-party providers
- Any disputes between you and third-party providers
A third-party engagement is governed by that provider's own terms and privacy practices. Review them carefully before agreeing to any service.
Compensation Disclosure
New Guidance Group may receive compensation from certain third-party providers if you choose to engage their services. Any applicable New Guidance Group fees or material third-party compensation arrangements should be disclosed in the relevant engagement terms before you decide to proceed.
Limitation of Liability
To the maximum extent permitted by law, New Guidance Group and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising from or related to:
- Your use of or inability to use our website or services
- Any information, content, or materials on our website
- Any actions or omissions of third-party providers
- Any creditor proposal, negotiation, arrangement, or third-party service
- Any errors, inaccuracies, or delays in website content
In no event shall New Guidance Group's total liability to you exceed the amount of fees, if any, you paid to New Guidance Group in the six months preceding the event giving rise to the liability.
Indemnification
You agree to indemnify, defend, and hold harmless New Guidance Group and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any rights of another party
- Any false or misleading information you provide
Changes to These Terms
New Guidance Group reserves the right to update or modify these Terms at any time without prior notice. We will post the updated Terms on this page with a revised "Last updated" date. Your continued use of our website or services after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.
Governing Law and Disputes
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved in the state or federal courts located in New York, and you consent to the personal jurisdiction of such courts.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and New Guidance Group regarding your use of our website and services, and supersede all prior agreements and understandings.
Contact Information
If you have questions or concerns about these Terms, please contact us:
Email: info@newguidancegroup.com
Phone: +1 (786) 239-9308
Acknowledgment
By using this website or our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these Terms, you must not use our website or services.