Marketing & Advertising Disclosures

The disclosures in this section apply to work with credit unions, community banks and other financial-services organizations.

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 our sites 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 or FDIC insurance statements as applicable to the institution type, 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.

For credit-union and bank 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.

BUILD by Market Climb provides digital growth services — websites, content, online visibility, lead generation, advertising support, and practical AI support — to manufacturers, commercial contractors, and family-owned and local service businesses. BUILD is a service line of Market Climb Consulting, LLC and is not a separate legal entity. The disclosures below apply to BUILD engagements and to content on build.marketclimbconsulting.com.

BUILD does not guarantee search rankings, visibility or recommendations in AI assistants, lead volume, lead quality, cost per lead, conversion rates, advertising performance, social reach, revenue, or platform approval. Results depend on market conditions, competition, budget, offer strength, sales follow-up, and factors outside our control.

Search engines and AI assistants control their own ranking, indexing, and recommendation systems. Their algorithms, features and policies change without notice. No agency or consultancy can guarantee a position, citation, answer, or inclusion in any search result or AI-generated response.

Media budget is separate from service fees. Advertising platform charges are paid directly by the client unless the applicable statement of work provides otherwise. The client approves audiences, offers, claims, landing pages and creative, and remains responsible for offer fulfillment and any industry-specific disclosures. Advertising platforms may reject, pause, or restrict campaigns under their own policies.

Prospect lists and outreach programs must be lawfully sourced and used. The client is responsible for compliance with applicable communication laws, including CAN-SPAM, the Telephone Consumer Protection Act (TCPA), state calling and texting rules, and do-not-call requirements, and for maintaining suppression and consent records. BUILD may coordinate with specialist partners where appropriate.

Website builds rely on third-party platforms, hosting, domains, themes, plugins, fonts and licensed assets, each subject to its own terms, licenses and fees. Ownership, subscription responsibility, hosting, domain control, maintenance, security after launch, and accessibility scope are defined in the applicable statement of work. Third-party components are not automatically owned or transferable.

BUILD configures third-party AI platforms and workflows; it does not build or modify the underlying foundation model. AI output may be incomplete, inaccurate or inappropriate and must be reviewed by a person before it is sent, posted, quoted or relied upon. The client is responsible for final decisions, quotes, estimates and commitments. Third-party AI platform terms and costs apply. Practical AI support is an optional part of a BUILD engagement.

Pricing shown or discussed is subject to review and confirmation in a written statement of work. Where pricing requires review, we describe the next step as a request rather than an instant quote. Any example project, mockup, or scenario shown on our sites is labeled as a concept and does not represent an actual client, engagement, or result.

The disclosures below apply to both Section A and Section B.

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 nonpublic personal information to train their foundation models.

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 our sites accessible and aim to follow the principles of WCAG 2.1 Level AA. We have not completed a formal third-party accessibility certification. If you encounter a barrier, see our Accessibility Statement or contact connect@marketclimbconsulting.com and we will work to assist you.

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