Last updated: August 9, 2026
1. Introduction
These Terms & Conditions govern your use of https://dunbarand.associates and your requests for services from Dunbar & Associates. By using the website, you agree to these terms. They are intended for legal review and may be supplemented by a written service agreement.
2. Business Identity
Dunbar & Associates is a DBA of OHP Group. Dunbar & Associates is the customer-facing brand and OHP Group is the underlying legal/business entity.
3. Description of Services
Dunbar & Associates provides document preparation and related administrative support based on information and instructions you provide. We do not promise that a particular service is appropriate for your circumstances.
4. Document Preparation Services
We may organize information, prepare forms or documents at your direction, and provide administrative support related to a requested service. You are responsible for reviewing documents and submitting them to the appropriate recipient.
5. No Legal Advice
Dunbar & Associates is not a law firm. We are not attorneys and do not provide legal advice, legal representation, legal opinions, or advice about your legal rights. Consider consulting a licensed attorney for legal advice.
6. No Guarantee of Results
We make no guarantee of any outcome, including loan modification approval, foreclosure prevention, reduced payments, lender action, or any other result. We do not claim to negotiate with lenders or represent you before them.
7. User Responsibilities
You agree to provide accurate and complete information, promptly review prepared materials, follow instructions, protect your account and documents, and meet deadlines imposed by third parties. Do not submit information you are not authorized to provide.
8. Fees and Payments
Fees, scope, payment timing, and any cancellation or refund terms will be disclosed in the applicable written service agreement or checkout information. You are responsible for charges you authorize.
9. Communications
We may contact you about inquiries and requested services by email, phone, or other communication method you select. Providing a phone number does not automatically enroll you in SMS messages.
10. SMS Messaging Program
The Dunbar & Associates SMS Messaging Program is operated by Dunbar & Associates, a DBA of OHP Group. You must be 18 years of age or older to use this SMS service. If you affirmatively opt in, you may receive consultation scheduling, appointment confirmations and reminders, case-related administrative communications, document preparation updates, service-related notifications, responses to inquiries, follow-ups, and other informational messages related to a requested service. SMS is not legal advice. Message frequency may vary. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
11. SMS Consent
SMS consent must be affirmative and is optional. SMS consent is not a condition of purchasing services or submitting an inquiry, where applicable. You can choose whether to receive messages and may withdraw consent at any time. See our Privacy Policy for how SMS information is handled.
12. SMS Opt-Out
You can cancel the SMS service at any time by replying STOP. After you send STOP, you will receive a confirmation message and will no longer receive SMS messages from us unless you opt in again. To rejoin, submit a new SMS consent request through an available Dunbar & Associates opt-in form.
13. SMS Help
Reply HELP for assistance. You may also email info@dunbarand.associates or call +1 (877) 610-8185.
14. Message Frequency
Message frequency may vary based on your requests, appointments, and service activity.
15. Message and Data Rates
Message and data rates may apply. Contact your wireless carrier for information about your plan and charges.
16. Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages. Delivery may depend on your carrier, device, network coverage, and other factors outside our control.
17. Privacy Policy
Our Privacy Policy explains how we collect, use, and share information, including mobile information and SMS consent.
18. Intellectual Property
The website, its text, design, branding, and other content belong to Dunbar & Associates, OHP Group, or their licensors. You may use the website for personal, lawful purposes and may not copy or exploit its content without permission.
19. Website Use
You agree to use the website lawfully, provide truthful information, and avoid interfering with its operation or security. Website content is general information and may change without notice.
20. Prohibited Use
You may not use the website to impersonate another person, submit malicious or unauthorized material, attempt unauthorized access, distribute spam, or violate applicable law or another person’s rights.
21. Disclaimers
The website and services are provided on an as-available basis. We do not warrant uninterrupted availability, error-free operation, or any particular service result. Nothing here creates an attorney-client relationship.
22. Limitation of Liability
To the extent permitted by law, Dunbar & Associates and OHP Group will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the website or services. Any limitation is subject to rights that cannot legally be limited.
23. Changes to Terms
We may update these terms by posting a revised version on this page. The updated date will identify the latest version. Continued use after changes means the revised terms apply.
24. Contact Information
Dunbar & Associates, a DBA of OHP Group, can be reached at info@dunbarand.associates, +1 (877) 610-8185, or dunbarand.associates.