Lakay Finance / Terms of Service

Terms of Service

Last updated: April 1, 2026

Welcome to Lakay Finance. These Terms of Service ("Terms") govern your access to and use of the lakayfinance.com website and services operated by JRICKSS Financial Services LLC ("we," "our," or "us"). By accessing or using our website and services, you agree to be bound by these Terms.

1. Services Overview

Lakay Finance provides financial education resources, tools, and access to professional services including credit repair, tax preparation, immigration consulting, real estate services, life insurance, and business formation. Services are provided through JRICKSS Financial Services LLC and its licensed professionals.

2. Eligibility

You must be at least 18 years old to use our services. By using our website, you represent that you meet this age requirement and that the information you provide is accurate and complete.

3. Account Registration

Some features of our services may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to your account.

4. Free and Paid Services

We offer both free and paid tiers of service. Free tools and resources are available without payment. Paid services (Lakay Plus, Lakay Pro) are billed on a recurring monthly basis. You may cancel your subscription at any time. Professional services (credit repair, tax preparation, etc.) are billed separately according to the rates listed on our website or provided during consultation.

5. Professional Services Disclaimer

Our team includes licensed professionals in their respective fields: licensed realtors, IRS enrolled agents, insurance agents, and paralegal/immigration consultants. However, the information provided through our website, tools, and educational content is for general informational purposes only and does not constitute legal, financial, or tax advice. For specific advice, we recommend scheduling a consultation with our team or an appropriate licensed professional.

6. User Conduct

You agree not to:

7. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of JRICKSS Financial Services LLC or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, or create derivative works from our content without our express written consent.

8. Limitation of Liability

To the fullest extent permitted by law, JRICKSS Financial Services LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the amount you have paid us in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless JRICKSS Financial Services LLC and its employees from any claims, damages, or expenses arising from your use of our services or your violation of these Terms.

10. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of the State of New Jersey.

12. Changes to Terms

We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on this page. Your continued use of our services after changes are posted constitutes your acceptance of the updated Terms.

13. Contact Us

If you have any questions about these Terms, please contact us at:

Lakay Finance (JRICKSS Financial Services LLC)
Plainfield, NJ 07062
Email: info@lakayfinance.com
Phone: (844) 200-8027