1. Scope of services

Creative Capital Strategies provides educational, informational, insurance-related, and consulting services. Website content does not constitute individualized legal, tax, or investment advice. Any insurance recommendation, application, or engagement is subject to separate disclosures, carrier requirements, and written agreements.

2. No guarantee of results

Examples, illustrations, calculators, and educational scenarios are hypothetical unless expressly identified otherwise. They do not guarantee performance, tax treatment, insurability, dividends, or financial outcomes.

3. User responsibilities

You are responsible for providing accurate information, reviewing policy and service documents, maintaining your own records, and consulting appropriate licensed professionals before acting.

4. Payments

If services are offered for a fee, applicable pricing and payment terms will be disclosed before purchase or stated in a separate written agreement.

5. Intellectual property

Unless otherwise stated, website text, graphics, educational materials, and branding are owned by or licensed to Creative Capital Strategies. You may use them for personal, noncommercial purposes only.

6. Third-party links and services

Links to third-party sites are provided for convenience. Creative Capital Strategies does not control and is not responsible for their content, security, availability, or practices.

7. Limitation of liability

To the extent permitted by law, Creative Capital Strategies will not be liable for indirect, incidental, special, or consequential damages arising from use of this website or reliance on educational content.

8. Communications

If you separately opt in to SMS communications, message frequency varies and message and data rates may apply. Reply STOP to opt out or HELP for assistance. Consent to receive text messages is not a condition of purchase.

9. Governing law

These terms are governed by the laws of the State of Utah, without regard to conflict-of-law principles.

10. Changes and contact

We may update these terms by posting a revised effective date. Questions may be sent to Admin@CreativeCapitalStrategies.com.