Marketing & Advertising Disclosures

Market Climb is a marketing and advisory consultancy. We are not a bank, credit union, lender, or financial institution. We do not offer, originate, or service any deposit account, loan, credit product, or financial service. Any rates, offers, or product terms shown in demonstrations on this site are fictional examples used to illustrate a marketing workflow and are not real offers.

Marketing content developed for regulated clients is subject to that client's own legal, compliance, and audit review. Required disclosures — including Equal Housing Lender, NCUA/FDIC insurance statements, APR/APY and fee disclosures under the Truth in Lending Act (Regulation Z) and Truth in Savings Act (Regulation DD), Equal Credit Opportunity Act (Regulation B) and fair-lending requirements, UDAAP considerations, and state UDAP statutes — are the responsibility of the client and its counsel and must appear on the client's own published materials as applicable. Audience segmentation and targeting deliverables are designed to avoid use of prohibited bases under fair-lending laws, but the client remains responsible for final targeting decisions and prescreen practices.

When engagements involve nonpublic personal information (NPI) as defined by the Gramm-Leach-Bliley Act, handling of that information is governed by the applicable statement of work, data processing terms, and the client's own Safeguards Rule program. We limit access to NPI to personnel with a need to know and do not use NPI for any purpose other than the engagement.

Endorsements and testimonials reflect the honest opinions of the endorser and their experience with Market Climb. Where a material connection exists between Market Climb and an endorser (for example, a paid engagement, ongoing client relationship, or gifted services), that connection will be disclosed as required by the U.S. Federal Trade Commission's Endorsement Guides (16 C.F.R. Part 255). Client names and logos are used only with written permission.

Any results, metrics, or comparative claims described reflect specific past engagements and individual circumstances. They are based on client-reported data, are not independently verified unless stated, are not typical, are not guaranteed, and are not a prediction of future performance.

Our services may use artificial intelligence tools to assist in drafting and analysis. AI output is always reviewed by qualified people ("human-in-the-loop") and is not a substitute for professional legal or compliance review by the client. We do not permit third-party AI vendors to use client confidential information or NPI to train their foundation models.

For bank and credit-union clients, AI-assisted deliverables produced by Market Climb are provided as inputs to the client's own model risk management, third-party risk management, and change management processes (including, as applicable, principles consistent with Federal Reserve SR 11-7 and OCC Bulletin 2011-12). Market Climb's deliverables are not validated models and are not a substitute for the client's independent validation and governance.

Stock imagery, fonts, illustrations, data sources, and other third-party content used in creative deliverables are licensed under their respective terms. Third-party names, logos, and marks referenced in creative work belong to their respective owners and are used only for identification or with permission.

Booking confirmations, reminders, reschedule notices, and similar messages we send you are transactional communications and are exempt from the opt-out requirements of the CAN-SPAM Act. Any commercial marketing email we send will include an unsubscribe mechanism and a valid physical postal address as required by CAN-SPAM.

We are committed to making this site accessible and strive to conform to WCAG 2.1 AA. If you encounter a barrier, contact connect@marketclimbconsulting.com and we will work to assist you.

Compliance and marketing-disclosure questions: connect@marketclimbconsulting.com.