• By visiting mrthen.biz, carlosthen.com, misterthen.com, mrthen.com (the “Site”), you, the visitor of the Site, agree to the terms of this agreement. This agreement is subject to change at any time by Mr. Then Consulting LLC, (Carlos Ariel Then). This agreement contains the entire agreement between the visitor and Mr. Then Consulting LLC, regarding the use of the site.

    The agreement shall be governed pursuant to the laws of the state of Rhode Island. The visitor hereby warrants and represents that he or she is in all respects qualified and competent to enter into this agreement.

  • No warranty is made by Mr. Then Consulting, regarding any information, services or products provided through, or in connection with, the Site, unless expressly agreed otherwise in another written agreement for a particular product or service. Mr. Then Consulting, hereby expressly disclaims any and all warranties, including without limitation: any warranties as to the availability, accuracy, or content of information, products, or services; any warranties of merchantability or fitness for a particular purpose. Some states/provinces do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. Please see DISCLAIMER FOR MORE.

  • The material on the Site is meant to be shared for informational, non-commercial use only. Site visitors are allowed to download and distribute banner graphics and promotional materials only for the express purpose of promoting the Site. Videos appearing on Mr. Then Consulting's YouTube channel may be inserted into private non-commercial blogs and websites, but must link directly to the official Mr. Then Consulting video on YouTube. In no event, shall any video or material be used in any manner that implies any false association between Mr. Then Consulting and any other third party or in connection with the promotion of any product or service.

  • The Site and web-based services are intended for access and use within the United States only. The Site and web-based services are not intended for or directed to citizens, domicile, or residents of the European Union. Accordingly, our sites and web-based services comply with applicable United States privacy laws. By accessing the Site and web-based services, you affirm that you are not a citizen, domicile, or resident of the European Union.

  • Mr. Then Consulting does not sell or share your email address to third-parties, except to deliver any services you have requested. Unsubscribing from any email list does not necessarily unsubscribe you from other email lists within Mr. Then Consulting or outside of our database with third-parties. Users agree to provide Mr. Then Consulting, with an up-to-date email address.

  • The Site provides links to other third-party websites (in all cases “Linked Sites”). These Linked Sites are provided solely as a convenience to you and may perhaps be based upon the content that you elect to view or the information that you provide. Such Linked Sites are not under our control, and we are not responsible for and do not endorse, monitor, review, investigate, verify, or validate the content of such Linked Sites, including any products, information, or materials contained on such Linked Sites. We are not responsible for the accuracy or reliability of any information on the Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites. It is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of the content of these Linked Sites. Some of the content served by us may be from merchant sites, and sales or activities through these sites may generate a commission payable to us. We accept no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or reliability of third-party web sites, including, without limitation, Linked Sites and websites linking to this website or its content. You should review applicable terms and policies, including privacy and data gathering practices, of third-party web sites, and should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third-party.

  • PolicyProtect SMS Program

    By opting in through the PolicyProtect insurance quote form or client portal, you agree to receive transactional text messages from Mr Then Consulting / PolicyProtect about insurance quote confirmations and status updates, verification codes, appointments, document requests, and policy service.

    Message frequency varies, typically no more than six messages per month. Message and data rates may apply. Consent is not a condition of purchasing goods or services. Carriers are not liable for delayed or undelivered messages.

    For help, reply HELP or contact carlos@mrthen.biz or 401-267-8436. To opt out, reply STOP at any time.

  • Service Agreement & Disclosures

    Prior to starting credit education and document preparation services, you will be required to sign a Client Agreement along with the following documents:

    • Service Agreement

    • Authorization for Credit Coaching Action

    • Consumer Credit File Rights (CROA Disclosure)

    • Right of Cancellation Notice

    • Limited Power of Attorney

    Services We Provide

    Our services may include document preparation and credit education. Specifically, we will:

    • Evaluate your current credit reports from the applicable credit reporting agencies.

    • Work with you to identify inaccurate, erroneous, false, or obsolete information.

    • Allow you to choose which items you wish to dispute.

    • Advise and coach you on steps to dispute selected items.

    • Prepare all necessary correspondence to dispute inaccurate or obsolete information.

    • Review correspondence you receive from credit reporting agencies and assist with follow-up communication.

    Consulting, coaching, and monitoring services may be provided through personal meetings, webinars, video conferencing, telephone, email, or other forms of communication during normal business hours.

    Fees & Cancellation

    In exchange for the above services, you agree to pay the fees outlined in your Client Agreement. You have the right to cancel your contract for any reason within 5 business days from the date of signing. Written notice must be submitted as outlined in your agreement.

    Additional Disclosures

    • Insurance Affiliates: We may share limited client information with our trusted insurance affiliates in order to help you secure better insurance rates.

    • Legal Disclaimer: We provide credit information and coaching services. While we make every effort to ensure accuracy and explain your available options, we do not provide legal advice (the application of law to individual circumstances). For legal matters, please consult a licensed attorney.

  • By filling out any form on our website or forms related to Mr. Then Consulting LLC, you agree by electronic signature to (1) be contacted about coaching or coaching marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

  • All sales are final unless otherwise stated. No refunds will be afforded outside of the terms below. 

    Subscriptions will not be prorated if cancellation occurs during a billing cycle.

    90 Day Money Back Guarantee on Credit Coaching Service*

    To qualify for the 90-Day Money-Back Guarantee on our credit coaching service, the following conditions must be met:

    • It must have been at least 6 months since any credit repair efforts were made on your behalf, whether by you personally or by another company.

    • Your credit repair process must have begun less than 2 years ago.

    If your credit has been worked on within the last 6 months, or if your credit repair process began more than 2 years ago, you are not eligible for a refund.

    Non-Refundable Items

    • Digital books

    • Digital courses

    • Digital items

  • DELIVERY POLICY

    1. General Information

    All orders are subject to product availability. If an item is not in stock at the time you place your order, we will notify you and refund you the total amount of your order, using the original method of payment.  

    2. Delivery Location

    Items offered on our website are only available for delivery to addresses in the United States. Any shipments outside of the United States are not available at this time.

    3. Delivery Time

    An estimated delivery time will be provided to you once your order is placed. Delivery times are estimates and commence from the date of shipping, rather than the date of order. Delivery times are to be used as a guide only and are subject to the acceptance and approval of your order.

    Unless there are exceptional circumstances, we make every effort to fulfill your order within [15] business days of the date of your order. Business day mean Monday to Friday, except holidays.

    Please note we do not ship on [Sundays].

    Date of delivery may vary due to carrier shipping practices, delivery location, method of delivery, and the items ordered. Products may also be delivered in separate shipments.

    4. Delivery Instructions

    [You can provide special delivery instructions on the check-out page of our website.]

    5. Shipping Costs

    Shipping costs are based on the weight of your order and the delivery method. To find out how much your order will cost, simple add the items you would like to purchase to your cart, and proceed to the checkout page. Once at the checkout screen, shipping charges will be displayed.

    Additional shipping charges may apply to remote areas or for large or heavy items. You will be advised of any charges on the checkout page.

    Sales tax is charged according to the province or territory to which the item is shipped.

    6. Damaged Items in Transport 

    If there is any damage to the packaging on delivery, contact us immediately at support@mrthen.biz.

    7. Questions

    If you have any questions about the delivery and shipment or your order, please contact us at support@mrthen.biz.

Company policies

Terms and Conditions

The ground rules for using this website, communicating with Mr Then Consulting, and purchasing or participating in a service.

Last updated August 30, 2026

A clear starting point

By using mrthen.biz or purchasing a service, you agree to these terms and any signed agreement that applies to that service. A signed client agreement controls if it conflicts with general website language. Services are educational, coaching, administrative, document-preparation, tax, insurance, or consulting services as specifically described—not legal representation or guaranteed outcomes.

1. Website use and agreement

These Terms apply to mrthen.biz and pages, portals, forms, or services operated by Mr Then Consulting LLC (the “Company”). By accessing or using the website, you represent that you are legally able to enter this agreement. If you do not agree, do not use the website.

We may update these Terms as the website, services, or law changes. Updated Terms apply after they are posted. These Terms are governed by Rhode Island law, without regard to conflict-of-law rules, except where another law must apply.

2. No warranty and no guaranteed result

Website information and general educational materials are provided “as is” and “as available.” To the extent permitted by law, we disclaim implied warranties, including merchantability, fitness for a particular purpose, accuracy, availability, and non-infringement.

Unless a signed agreement expressly says otherwise, no income, credit-score increase, deletion, approval, tax refund, liability reduction, insurance premium, coverage decision, business result, or other outcome is promised. Results depend on individual facts and decisions by third parties outside our control.

3. Permitted use and intellectual property

You may use the website and materials for personal, lawful, non-commercial purposes. You may not copy, resell, republish, scrape, reverse engineer, misrepresent, or use materials in a way that implies a false association with Mr Then Consulting. Promotional materials expressly made available to approved affiliates may be shared only as authorized and without altering required disclosures.

Company names, logos, content, processes, courses, documents, and other materials remain the property of their respective owners. No license is granted except the limited permission needed to use the website or a purchased service.

4. Eligibility and geographic limits

The website and web-based services are intended for users in the United States. Service availability, insurance authority, tax obligations, credit-service requirements, and other rules vary by state. We may limit or decline a service where it cannot be offered lawfully or practically.

5. Accounts, email, and electronic communication

You agree to provide accurate, current contact information and protect any login credentials. You are responsible for activity under your account. Notify us promptly about suspected unauthorized use.

When you submit a form or separately opt in, you consent to receive relevant email, telephone, or text communications as described at the point of collection. Marketing consent is not a condition of purchase. You may unsubscribe from marketing email or reply STOP to eligible SMS messages, but essential transactional or service communications may continue.

6. Text messaging terms

By opting in through a quote form, client portal, booking form, or another clear consent process, you agree to receive transactional messages about confirmations, status updates, verification codes, appointments, document requests, and service activity. Message frequency varies; message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

Reply HELP for help or STOP to opt out. You may also contact carlos@mrthen.biz or 401-267-8436. SMS opt-in and consent data is not sold or shared with third parties or affiliates for their own marketing.

7. Linked sites, affiliates, and commissions

The website may link to third-party providers for monitoring, insurance, financial products, payments, portals, or other services. We do not control those sites and do not guarantee their content, availability, security, price, eligibility decisions, or results. Review the third party’s terms and privacy policy before proceeding.

Some links or referrals may generate a commission for Mr Then Consulting. Where applicable, that relationship is disclosed. A commission does not change the price unless stated and does not replace your independent evaluation of the product or provider.

8. Credit education and document-preparation services

Before credit education or document-preparation work begins, you may be required to sign a Client Agreement, authorization, Consumer Credit File Rights disclosure, cancellation notice, or limited power of attorney. Services may include reviewing reports, helping you identify information you believe is inaccurate or obsolete, explaining dispute options, preparing correspondence at your direction, and reviewing responses.

You choose which items to address. Accurate, timely negative information cannot be removed merely because it is negative. We do not guarantee deletions or a score change. Consulting may occur by meeting, webinar, video, phone, email, or other agreed communication method.

You may cancel a covered credit-services agreement within five business days when that right is stated in the signed agreement and applicable disclosure. Follow the notice instructions in your agreement.

9. Tax, insurance, financial coaching, and documents
  • Tax: Services depend on the records you provide and current law. You remain responsible for reviewing filings and supplying complete, accurate information. No refund or tax result is guaranteed.
  • Insurance: Quotes are estimates until confirmed and bound in writing by the carrier. Coverage, price, availability, underwriting, and claims are controlled by the carrier. Licensed activity is limited to states and lines where authority exists.
  • Financial coaching: Coaching is educational and is not investment advisory, brokerage, fiduciary, or asset-management service.
  • Document preparation: Documents are prepared from your instructions for administrative purposes. The Company is not a law firm and does not select legal strategy or provide legal advice.
10. Fees, subscriptions, cancellation, and refund policy

Fees, setup charges, billing frequency, included work, and cancellation requirements appear on the checkout page or signed agreement. Subscriptions are not prorated when cancellation occurs during a billing cycle unless required by law or expressly stated.

90-day satisfaction guarantee for eligible credit coaching: the guarantee applies only under the written program terms. To qualify, at least six months must have passed since credit-repair efforts were performed by you or another company, and your credit-repair process must have begun less than two years ago. If your credit was worked on within the prior six months, or the process began more than two years ago, the guarantee does not apply.

Digital books, digital courses, downloads, and other digital items are non-refundable unless otherwise stated or required by law. Affiliate products, monitoring services, insurance products, and other third-party purchases are governed by the provider’s own refund rules.

11. Delivery and service fulfillment

Digital confirmations, reports, documents, and service communications are delivered electronically to the address or portal you provide. Appointment and project timing depends on availability, complete intake information, payment, and any required signed agreement. Estimated timing is not a guarantee.

If a physical item is offered, available destinations, shipping fees, carrier estimates, and special restrictions will be shown at checkout. Report damaged or missing deliveries promptly to support@mrthen.biz.

12. Accuracy, client responsibilities, and prohibited conduct

You agree to provide complete and truthful information, review documents and filings before authorization, attend or reschedule appointments reasonably, and use services only for lawful purposes. You may not impersonate another person, submit information without authority, interfere with security, abuse staff or systems, or use services to commit fraud or evade legal obligations.

We may pause or end access for nonpayment, suspected fraud, threats, misuse, legal risk, or material breach, subject to any rights in a signed agreement or applicable law.

13. Limitation of liability and disputes

To the fullest extent permitted by law, Mr Then Consulting LLC is not liable for indirect, incidental, special, exemplary, punitive, or consequential loss arising from the website, third-party services, or general educational information. Any liability that cannot be excluded is limited as stated in the applicable signed agreement or, if none applies, to the amount paid for the product or service giving rise to the claim.

Nothing here limits rights that cannot legally be waived. Before filing a claim, contact us so both sides can try to resolve the issue informally. Venue and dispute procedures in a signed agreement control for that service.

14. Privacy, severability, and entire agreement

The Privacy Policy explains data practices. If part of these Terms is unenforceable, the remaining provisions continue to apply. Failure to enforce a provision is not a waiver. These Terms, the Privacy Policy, relevant disclosures, checkout terms, and any signed client agreement form the complete agreement for the applicable use or service.

Questions about these terms?

Email carlos@mrthen.biz or call 401-267-8436. For service-specific questions, review your signed agreement first because it may contain additional rights, deadlines, or cancellation instructions.