Terms of Use

Thanks for Visiting Our Website

Smart Finance Publishing LLC d.b.a. CreativeFinancingFormula.com and other websites that properly link to this Terms of Use (the “Sites”) are owned by Smart Finance Publishing LLC. These Terms of Use, along with the Privacy Policy, and the Disclaimer connected to the Sites are considered one complete document and compliance with one part of these terms is implied compliance with all terms of this website.

Agreement with Our Terms and Conditions

By using the Sites, you agree to accept these terms and conditions, so please be sure to read them carefully. If you do not agree with them, please do not use the Sites. We reserve the right, at our discretion, to change, modify, add or remove portions of these terms and conditions at any time. Please check this page periodically for changes. Unless the law requires otherwise, your continued use of the Sites following the posting of changes to these terms will mean that you accept those changes. Please be advised that content on the Sites is provided for informational purposes and should not be construed as professional or financial advice.

User Information

In the course of using the Sites, you may provide or we may collect information about you. We are committed to protecting the privacy of our customer information and explain our policies with respect to the use and disclosure of such information in our Privacy Policy, which are incorporated into these terms and conditions.

Feedback & Accessibility

We welcome all feedback! We cannot guarantee that all the features and functions of our Sites will be fully accessible by all people. If you notice any content, feature or functionality of the Sites that is not properly accessible or have feedback for us, please email us at support@CreativeFinancingFormula.com and provide a description of the specific feature you feel is not accessible or a suggestion for improvement. We can’t promise that we’ll make the changes you suggest, but we can assure you that we take your input seriously and will consider it as we evaluate ways to accommodate all of our customers and our overall accessibility policies.

We welcome any comments you may have regarding the Sites, merchandise, and services. Any comments you submit to us through the Sites, such as remarks, suggestions, ideas, graphics, or other information becomes and remains our exclusive property, even if this agreement is later terminated. This means that we do not have to treat any such submission (including, but not limited to, product or advertising ideas) as confidential. We will not pay you or anyone else for any information that you provide which is used by us.

Additionally, you acknowledge that you have full responsibility for any such submission you make, including its legality, reliability, appropriateness, originality, and copyright.

Restrictions on the Use of the Materials in our Sites

The Sites and all of their content are copyrighted materials, protected by copyright laws. The compilation of content on our Sites is the exclusive property of Smart Finance Publishing LLC. and may not be used for any purpose other than browsing, shopping, and using the services and information provided for your own private use.

Our trademarks and service marks, including but not limited to the “Creative Financing Formula” logo and the “CreativeFinancingFormula.com” logo, are protected by law.  These trademarks and service marks may not be used by any party other than Smart Finance Publishing LLC and its affiliated companies without express written consent. Also, to the extent that we include certain trademarks owned by other parties in our Sites, these trademarks are property of their respective owners. You agree not to copy, reproduce, or modify any portion of the Sites. This restriction includes copying, reproducing, or modifying any names, trademarks and logos which Smart Finance Publishing LLC owns or has the right to use.

Material can be downloaded onto one computer for personal, non-commercial use only, provided copyright, trademark, or other proprietary notices are not changed or deleted. Any modification of the materials on our Sites or use of them for any other purpose will violate our intellectual property rights.

Be aware that sometimes we provide access from our Sites to other websites that are not under our control. We don’t endorse or approve any products or information offered at sites you reach through our Sites. These links may include the use of so-called “share links” or similar feature. A “share link” feature is a button and/or text link appearing on our Sites that enables the launch of a sharing mechanism whereby you can post links to, and content from, the Sites onto social networking websites such as Facebook. Please be aware that the terms of use of such other websites govern your use of those sites, including your use of share links or other posting of our content on those websites. As a result, you are fully responsible for your own use of such websites including your use of share links to link our site and/or post its content. As such, you agree to defend, indemnify and hold Smart Finance Publishing LLC, its affiliates, and their directors, officers, employees and agents harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from your use of such websites or a share link.

Prohibited Conduct

Any conduct by you that in our sole discretion restricts or inhibits any other user from using or enjoying our Sites will not be permitted. You agree to use our Sites only for lawful purposes. You are prohibited from posting on or transmitting through the Sites any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, sexually explicit, discriminatory or otherwise objectionable material of any kind, including but not limited to any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law. In addition, you shall not post any materials that (i) violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, trade secret, confidentiality, contract, patent, rights of privacy or publicity or any other proprietary right, (ii) contain a virus, spyware, or other harmful component, (iii) contain embedded links, advertising, chain letters or pyramid schemes of any kind, or (iv) constitute or contain false or misleading indications of origin, endorsement or statements of fact. You further agree not to impersonate any other person or entity, whether actual or fictitious, including anyone from the Sites or Smart Finance Publishing LLC. You alone are responsible for the content and consequences of any of your activities.

Disclaimer and Limitation of Liability

THE CONTENT ON THE SITES IS PROVIDED ON AN “AS IS” “AS AVAILABLE” BASIS AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITES, THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS INCLUDED ON THE SITES. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SMART FINANCE PUBLISHING LLC DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE SITES OR THEIR CONTENTS, WHETHER EXPRESS OR IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

SMART FINANCE PUBLISHING LLC WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES THAT ACCOMPANY OR RESULT FROM YOUR USE OF OUR SITES OR ANY OTHER WEBSITE. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY USE OF (OR INABILITY TO USE) OUR SITES OR ANY OTHER WEBSITE TO WHICH YOU HYPERLINK OR SHARE LINK (AS DESCRIBED ABOVE) FROM OUR SITES, FAILURE OF PERFORMANCE, ERROR, OMISSION, INACCURACY, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE FAILURE.

FURTHERMORE, SMART FINANCE PUBLISHING LLC IS NOT LIABLE EVEN IF WE’VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPTION: IN CERTAIN STATES THE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR THESE “INCIDENTAL” OR “CONSEQUENTIAL” DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY.

THE SITES MAY CONTAIN TYPOGRAPHICAL ERRORS OR INACCURACIES AND MAY NOT BE COMPLETE OR CURRENT SMART FINANCE PUBLISHING, LLC THEREFORE RESERVES THE RIGHT TO CORRECT ANY ERRORS, INACCURACIES OR OMISSIONS (INCLUDING AFTER AN ORDER HAS BEEN SUBMITTED) AND TO CHANGE OR UPDATE INFORMATION AT ANY TIME WITHOUT PRIOR NOTICE. PLEASE NOTE THAT SUCH ERRORS, INACCURACIES OR OMISSIONS MAY RELATE TO PRICING AND AVAILABILITY. WE APOLOGIZE FOR ANY INCONVENIENCE.

Governing Law, Arbitration, and Class Action Waiver 

These terms and conditions and the agreement they create, shall be governed by and interpreted according to the laws of the State of Florida. Except as otherwise provided by applicable law, any and all controversies and disputes arising in connection with use of the Sites, these Terms of Use, the Privacy Policy, and/or their interpretation shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The place of arbitration shall be in Florida. Arbitration hereunder shall be conducted by one neutral arbitrator appointed by the AAA. The United States Federal Arbitration Act shall govern the interpretation, enforcement, and proceedings pursuant to this arbitration clause. Any disputes, including any threshold disagreement about the arbitrability of any claim, shall be delegated to the arbitrator (and not a court).  In no event shall the arbitrator have any authority to award punitive or other damages not measured by the prevailing party’s actual damages, except as may be required by statute.  Irrespective of the outcome of arbitration, each party shall bear its own costs and expenses, including its own attorney’s fees, and an equal share of the arbitrator’s fees and administrative fees of arbitration.  The arbitrator shall not determine or award any alternative allocation of costs and expenses, including any attorneys’ fees.  Judgment upon the arbitration award may be entered in any court having jurisdiction thereof. You agree and submit to the personal jurisdiction and venue of any such court of competent jurisdiction. In the event that this arbitration clause is deemed to be invalid or otherwise unenforceable or illegal, the remaining terms of this Agreement shall remain in full force and effect, including the waiver of the right to proceed in a class action. THE PARTIES AGREE TO WAIVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CONSOLIDATED OR CLASS ACTION AND AGREE THAT ALL FORMS OF CLASS ACTION OR CLASS WIDE ARBITRATION ARE EXPRESSLY PROHIBITED. THE PARTIES UNDERSTAND THEY WILL NOT HAVE THE RIGHT TO A TRIAL BY A COURT OR A JURY AND THAT THE INFORMATION THAT CAN BE OBTAINED IN DISCOVERY FROM EACH OTHER OR FROM THIRD PERSONS IN ARBITRATION IS GENERALLY MORE LIMITED THAN IN A LAWSUIT. IN ADDITION, OTHER RIGHTS THAT THE PARTIES WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to your use of the Sites, any products or services offered through the Sites, the Privacy Policy, and/or these Terms of Use must be brought within one (1) year after such claim or cause of action arose or be forever barred.

Our Guarantee: Locate your first real estate investment in fifty-six (56) days or less, with the Creative Financing Formula. If you do not have a deal under contract within fifty-six (56) days from your start date of the Creative Financing Formula, you may continue to attend the live weekly mentorship calls until you have a deal under contract. All sales are final, and Smart Finance Publishing LLC does not offer any money-back guarantee. You agree that you shall not be entitled to a refund for any purchase under any circumstances.

Commercial Transactions

This Site may contain products for sale, either from Creative Financing Formula directly, or from third parties. In the event you wish to purchase or to subscribe for any of these products or services, you will be required to provide information, including without limitation, your full name, address, telephone number and credit card information. You agree to provide Smart Finance Publishing LLC, or such third party with the foregoing information as well as any other mandatory information as may be necessary. You agree that any such information provided shall be accurate, complete and current. You agree to comply with the terms and conditions of any agreement that you may enter into governing your purchase of the product or service. You shall be responsible for all charges incurred through your account as well as for paying any applicable taxes. By providing Creative Financing Formula with your credit card number and associated payment information, you agree that Smart Finance Publishing LLC and/or our third party service providers are authorized to immediately invoice your account for all fees and charges due and payable to us as a result of your order, including but not limited to service fees, subscription fees or any other fee or charge associated with your access to the Services and/or purchase of products.

Additional Points about the Terms and Conditions of this User Agreement

If any provision of these terms and conditions is unlawful, void or unenforceable, it will not affect the validity and enforceability of any remaining provisions. Smart Finance Publishing LLC may modify these terms and conditions, and the agreement they create, at any time, simply by updating this posting and without notice to you. This is the entire agreement regarding all the matters that have been discussed in the preceding paragraphs.

If you have any questions or concerns regarding our privacy policy please direct them to: Support@creativefinancingformula.com