Terms of Use

1) Acceptance

By using this site, you agree to these Terms. If you do not agree, do not use the site.

2) Educational Content — Not Advice

Information on this site is for educational purposes only and is not financial, tax, or legal advice. Decisions you make are your responsibility. Consult qualified professionals for advice specific to your situation.

3) No Offer to Lend or Refinance

We are not a mortgage lender. The strategy described is not a refinance, HELOC “trick,” or insurance-only program. Any banking products are provided by third-party institutions that make all final decisions.

4) Eligibility & Results

Eligibility depends on factors such as income, expenses, equity, credit, and discipline. Outcomes vary and are not guaranteed.

5) User Conduct

You agree not to misuse the site, attempt to access data without authorization, or submit false information.

6) Intellectual Property

All content on this site is owned by Client Advantage System or its licensors and may not be copied or distributed without permission.

7) Third-Party Links & Services

We may link to third-party sites or use third-party services. We are not responsible for their content or practices.

8) Disclaimers

To the fullest extent permitted by law, the site is provided “as is” without warranties of any kind.

9) Limitation of Liability

We are not liable for indirect, incidental, special, or consequential damages arising from your use of the site.

10) Indemnification

You agree to indemnify and hold us harmless from claims arising out of your use of the site or violation of these Terms.

11) Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules.

12) Changes

We may update these Terms at any time. Continued use after changes means you accept the updated Terms.

13) Contact

Questions? Email [email protected] or call (650) 667-0889.

Last Updated: August 2025