TERMS AND CONDITIONS OF SERVICE

These Terms and Conditions govern the use of services provided by Creative Capital Strategies.

1. Scope of Services

Creative Capital Strategies provides educational, informational, and consulting services related to financial strategies. No services constitute legal, tax, or investment advice unless explicitly stated in a separate written agreement.

2. Payment Terms

If services are provided on a paid basis, invoices are payable within twenty-one (21) days of issuance unless otherwise stated in writing. Creative Capital Strategies reserves the right to suspend services for late payment. Late balances may accrue interest at a rate of up to 10% annually, where permitted by law.

3. No Guarantee of Results

Creative Capital Strategies agrees to use reasonable efforts to provide services in accordance with agreed timeframes. No obligation shall be construed as a guarantee of results or outcomes.

4. Limitation of Liability

Creative Capital Strategies shall not be liable for indirect, incidental, or consequential damages arising from the use of its services. The company shall not be required to participate as a third party in claims brought against the client by end consumers.

5. Claims and Disputes

Any claim relating to services must be submitted in writing within a reasonable timeframe after the issue becomes known. Written notice may be provided via email or postal mail.

6. Communications

If a client provides a mobile phone number and separately opts in, Creative Capital Strategies may send appointment-related communications via SMS. Message frequency varies. Message and data rates may apply. Clients may opt out at any time by replying STOP or request help by replying HELP.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to conflict of law principles.