PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE WEBSITE. 

By using the Website, you signify your agreement to everything in these Terms of Use and our Terms of Purchase and Refund Policy. If you do not agree to these Terms of Use, you may not use the Website. The program, services, and/or activities (the “Subscription) subscribed to by You (the "User" or “You”) through the Site (defined below) and provided by KEVIN CARTER™, When we say KEVIN CARTER™, we mean any and all companies affiliated with KEVIN CARTER™, including but not limited to: TDTIRES.COM LLC., MONEY FLOW UNIVERSITY, MONEY FLOW FILMS, MONEY FLOW CASH FLOW, any and all MONEY FLOW KING brand companies, and all affiliates is subject to the Terms of Service below (the “Agreement”) and effective as of the date of User’s Subscription (the Effective Date”). The Agreement governs the User’s access and use of this website (the “Site”), the Subscription and the User’s access to and use of the Services (defined below) provided by the Subscription. The Subscription and Services (defined below) are only offered to users who pay the requisite fee for the Subscription, who are of legal age, and are legally able to contract in the jurisdiction in which they reside. By subscribing to and accessing and using the Services (defined below), the User represents that he or she is of legal age to contract and is able to legally contract in the jurisdiction in which the User is located.

Subscription Fee. 

The fee to be paid by the User for the Subscription (the "Subscription Fee") will provide User with access to the services, training and/or resources specifically identified and listed on the Site for the specific program subscribed to by the User (collectively the “Services”). No other or additional services, training and/or resources other than those specifically identified and listed on the Site for the Subscription will be provided to the User. The Services listed on the Site for the Subscription will be the scope of the services provided by the Subscription and shall supersede any oral or other statements made by any representative of or on behalf of KEVIN CARTER™.

Payment of Subscription Fee Prior to Receipt of Services. The Services will not be provided until KEVIN CARTER™ has received the Subscription Fee and KEVIN CARTER™ will provide the Services as long as the User complies with the terms and conditions of this Agreement. THE SUBSCRIPTION FEE IS NON-REFUNDABLE AND ALL SALES ARE FINAL.

KEVIN CARTER™ and all affiliated companies currently provide users with access to training resources (training videos, training books, educational software, etc.), various reference and communication tools (videos, newsletters, blogs, articles, etc.), forums, shopping services, advertising and marketing services, social media services, and personalized content (collectively referred to as the “Services”). You also understand and agree that the Service may include sponsorships or advertisements. 

Any and all KEVIN CARTER™, services shall be subject to the Terms of Use. You understand and agree that any and all Service is provided “AS-IS” and that KEVIN CARTER™, assumes no responsibility for the timeliness, deletion, delivery problems or failure to store any user communications or personalization settings.

KEVIN CARTER™, is also an online store for training materials. You will be charged for any materials that you wish to purchase from us. Prices may vary. You are responsible for obtaining access to the Service and that access may involve third-party fees (such as Internet service provider or airtime charges). You are responsible for those fees, including those fees associated with the display or delivery of advertisements. In addition, you must provide and are responsible for all equipment necessary to access the Service.

Privacy Policy. Please review our Privacy Policy, which also governs your visit to our website and any purchases made on our website.

Terms of Purchase and Refund Policy. Please review our terms of purchase and refund policy as by purchasing from our Company you agree to be bound by those terms.

Restrictions on Use of Our Content. 

Intellectual Property Owned by KEVIN CARTER™. KEVIN CARTER™, its affiliates, and/or principals own all right, title and interest in the Site, the Subscription, and Services, including but not limited to (i) the visual interfaces, graphics, design, systems, methods, information, computer code, software, services, “look and feel”, organization, compilation of the content, code and data, and (ii) all content on the Site, as part of the Subscription, and included in the Services, including, without limitation, all articles, forms, documents, brochures, presentations, pictures, images, audiovisual works, other financial materials and any user comments (collectively the “KEVIN CARTER™ Materials”). The KEVIN CARTER™ Materials are protected by copyright, trademark, patent, trade secret, and other intellectual property laws and proprietary rights. User agrees to comply with all applicable laws by not copying or using proprietary content, including KEVIN CARTER™ Materials, except as allowed by this Agreement or written consent of KEVIN CARTER™. User’s access to or use of the Site and the Services does not grant or transfer to User an ownership interest or any rights in the KEVIN CARTER™ Materials other than those expressly granted by this Agreement.

The content contained on this Website (collectively, “Content“), such as logos, artwork, text and graphics, widgets, icons, images, audio and video clips, digital downloads, data compilations, and software, is the property of KEVIN CARTER™, or the property of our licensors or licensees, and the compilation of the Content on the Website is the exclusive property of KEVIN CARTER™, and protected by United States and international copyright laws, treaties, and conventions. All software used on the Website is also the property of KEVIN CARTER™, or the property of our software suppliers, and protected by United States and international copyright laws, treaties, and conventions.

Any and all logos, service marks, page headers, graphics, trademarks, service marks, widgets, icons, scripts, and trade names (each, a “Mark“) contained on the Website are proprietary to KEVIN CARTER™, or our licensors or licensees. Permission is NOT granted to us any of the Marks in connection with any product or service that is not ours or, in any manner that is likely to cause confusion among users or that disparages or discredits us or anyone else. If you see any other Marks not owned by KEVIN CARTER™, that appear on the Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us.

We grant you a limited license to access and make personal use of the Website. No Content of the Website or any other Internet site owned, operated, licensed, or controlled by us may be copied, reproduced, republished, downloaded (other than page caching), uploaded, posted, transmitted, or distributed in any way, or sold, resold, visited, or otherwise exploited for any commercial purpose, except that you may download one (1) copy of the Content that we make available to you for such purposes on a single computer for your personal, noncommercial, home use only, provided that you: (a) keep intact all copyright, trademark, and other proprietary rights notices; (b) do not modify any of the Content; (c) do not use any Content in a manner that suggests an association with any of our products, services or brands; and (d) do not download Content so as to avoid future downloads from the Website. Your use of Content on any other website or computer environment is strictly prohibited.

The license granted to you does not include, and specifically excludes, any rights to: resell or make any commercial use of the Website or any Content; collect and use any product listings, descriptions, or prices; make any derivative use of the Website or Content; download or copy account information for the benefit of anyone else; or use any form of data mining, robots, or similar data gathering and extraction tools. You may not frame, or utilize framing techniques to enclose, any Mark, Content or other proprietary information, or use any meta tags or any other “hidden text” utilizing any such intellectual property, without our and each applicable owner’s express written consent. Any unauthorized use automatically terminates the license granted to you hereunder. You are granted a limited, revocable, and non-exclusive right to create a hyperlink only to our home page provided that the link does not portray us or our licensors or licensees, or their respective products or services, in a false, misleading, derogatory, or otherwise offensive matter. You may not use any of our or any such party’s intellectual property as part of the link without our and each such party’s express written consent.

User Shall Protect Confidential Information. The term "Confidential Information" shall mean all information, any idea, any strategy, and any document in whatever form, tangible or intangible, whether disclosed to or learned by the User, pertaining in any manner to the Services and the Subscription, whether in written, oral, encoded, graphic, magnetic, electronic or in any other tangible or intangible form, and whether or not labeled as confidential by KEVIN CARTER™ or otherwise provided by the KEVIN CARTER™. "Confidential Information" includes, without limitation, the following: all trainings, sample forms, videos, training materials, homework assignments, training manuals, training materials, calls, recorded calls, usernames and passwords for any third-party site provided as a benefit or part of the Services, and all proprietary information and trade secrets as they may exist from time to time and all other information and data that is not generally known to third parties that have been or will be given to the User by KEVIN CARTER™, as well as written or verbal instructions or comments. User agrees to use the Confidential Information only for the User’s purpose of accessing the Subscription and accessing and using the Services. Except as otherwise provided in this Agreement, User shall not disclose the Confidential Information to third parties without the prior express written consent of KEVIN CARTER™. User agrees to use reasonable means to safeguard the Confidential Information. User’s duty of confidentiality under this Agreement regarding the Confidential Information shall survive the termination of this Agreement.

Changes to Terms. 

These Terms, or any part thereof, may be modified by us, including the addition or removal of terms at any time, and such modifications, additions, or deletions will be effective immediately upon posting. Your use of the Websites after such posting shall be deemed to constitute acceptance by you of such modifications, additions, or deletions.

Changes to Websites. We may change or discontinue any aspect, service, or feature of the Websites at any time, including, but not limited to, content, availability, and equipment needed for access or use.

Web Forums. 

KEVIN CARTER™, may provide its members with access to a forum for you and other users an opportunity to submit, post, display, transmit and/or exchange information, ideas, opinions, photographs, images, video, creative works or other information, messages, transmissions or material to KEVIN CARTER™, and other users via chat rooms, message boards or other means (“User Submissions”). User submissions do not reflect the views of KEVIN CARTER™, (the “Forum Moderators”), neither of which have any obligation whatsoever to monitor, edit, or review any User Submissions on the Website.

The Forum Moderators assume no responsibility or liability arising from the content of any User Submissions, nor any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within any User Submission on KEVIN CARTER™. You are strictly prohibited from submitting or transmitting to the Forum Moderators any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. The Forum Moderators will fully cooperate with any law enforcement authorities or court order requesting or directing it to disclose the identity of anyone posting any such information or materials.

All User Submissions will be treated as non-confidential and non-proprietary. Anything you submit or transmit to KEVIN CARTER™, or post shall be deemed the property of and may be used by the Forum Moderators for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, the Forum Moderators are free to use and shall be deemed to own, any ideas, concepts, know-how, or techniques contained in any User Submission you submit or transmit to KEVIN CARTER™, for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information. Disclosure, submission, or offer of any User Submissions to KEVIN CARTER™, shall constitute an assignment to the Forum Moderators of all worldwide rights, titles, and interests in all copyrights and other intellectual property rights in such User Submission.

The Forum Moderators may edit, copy, publish, distribute, translate, and otherwise use in any medium any User Submission that you submit or transmit to the Forum Moderators and will own exclusively all such rights, titles, and interest and shall not be limited in any way in its use, commercial or otherwise, of the submission. The Forum Moderators are and shall continue to be under no obligation to maintain any User Submission in confidence, to compensate you or any other user for any User Submission, or to respond to any of your or any other user’s User Submission.

You agree not to upload, post or otherwise transmit any User Content, software or other materials which contain a virus or other harmful or disruptive component.

You agree not to use any technology, service or automated system to post more User Content than an individual could upload in a given period of time. You also agree not to direct any third party to use these services, technologies or automated systems on your behalf. Any conduct that we, in our sole discretion, believe restricts or inhibits anyone else from using or enjoying the Websites will not be permitted. We reserve the right, in our sole discretion, to remove or edit User Content submitted by you.

We are not responsible for the accuracy or credibility of any User Content, and do not take any responsibility or assume any liability for any actions you may take as a result of reading User Content posted on the Websites. Through your use of Interactive Areas, you may be exposed to content that you may find offensive, objectionable, harmful, inaccurate or deceptive. There may also be risks of dealing with underage persons, people acting under false pretense, international trade issues and foreign nationals. By using Interactive Areas, you assume all associated risks. We have the right, but not the obligation, to monitor User Content posted or uploaded to the Websites to determine compliance with these Terms and any operating rules established by us and to satisfy any law, regulation or authorized government request. Although we have no obligation to monitor, screen, edit or remove any of the User Content posted or uploaded to the Websites, we reserve the right, and have absolute discretion, to screen, edit, refuse to post or remove without notice any User Content posted or uploaded to the Websites at any time and for any reason, and you are solely responsible for creating backup copies of and replacing any User Content posted to the Websites at your sole cost and expense. The decision by KEVIN CARTER™, to monitor and/or modify User Content does not constitute nor shall it be deemed to constitute any responsibility or liability in any manner on our part in connection with or arising from your use of Interactive Areas on the Websites.

By submitting User Content to the Websites, you automatically grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide right and license to use, publish, reproduce, modify, adapt, edit, translate, create derivative works from, incorporate into other works, distribute, sublicense (through multiple tiers) and otherwise exploit such User Content (in whole or in part) in any form, media or technology now known or hereafter developed, without payment to you or to any third parties. Additionally, to the fullest extent permitted under applicable law, you waive your moral rights in the User Content and agree not to assert such rights against us. You represent and warrant to us that you have the full legal right, power and authority to grant to us the license provided for herein, that you own or control the complete exhibition and other rights to the User Content you submitted for the purposes contemplated in this license and that neither the User Content nor the exercise of the rights granted herein shall violate these Terms, or infringe upon any rights, including the right of privacy or right of publicity, or constitute a libel or slander against, or violate any common law or any other right of, or cause injury to, any person or entity. You further grant to us the right, but not the obligation, to pursue at law any person or entity that violates your or our rights in the User Content by a breach of these Terms.

User Conduct Guidelines. 

The following terms apply to your conduct when accessing or using the Websites: (a) you agree not to interfere with or disrupt the Websites or the servers or networks connected to the Websites, or disobey any requirements, procedures, policies or regulations of networks connected to the Websites; (b) you agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purpose, any portion of the Websites, use of the Websites, or access to the Websites; (c) you agree not to engage in any activity that would constitute a criminal offense or give rise to a civil liability; (d) you agree not to impersonate any person or entity, including, but not limited to, KEVIN CARTER™, or any KEVIN CARTER™, employee, or falsely state or otherwise misrepresent your affiliation with any person or entity; and (e) you agree not to interfere with any other user’s right to privacy, including by harvesting or collecting personally-identifiable information about users of the Websites or posting private information about a third party.

No Guarantee of Results. 

KEVIN CARTER™ does not guarantee results or offer legal advice. Entrepreneurship and real estate investing involve risk and hard work. Always consult with your financial, tax, finance, legal and business professionals. 

No Guarantees of Success or Profit. 

User understands and agrees that KEVIN CARTER™ MAKES NO WARRANTIES, REPRESENTATIONS OR GUARANTEES THAT THE User WILL EARN ANY INCOME OR PROFIT FROM ITS BUSINESS AND/OR REAL ESTATE INVESTING DURING OR AFTER RECEIVING THE SERVICES. IT IS UNDERSTOOD THAT THIS AGREEMENT IS LIMITED TO PROVIDING THE SERVICES. KEVIN CARTER™ MAKES NO GUARANTEES, REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE, EXPRESS OR IMPLIED, WITH RESPECT TO THE SERVICES TO BE PROVIDED TO User PURSUANT TO THIS AGREEMENT.

We do not guarantee that you will achieve any specific health, personal relationships, financial, home-ownership, or other results or earn any specific amount of income or reach any particular goal from purchasing our products and/or services. The information provided is provided only on an informational basis and is only for your personal use. If you use such information, you do so at your own risk and are solely responsible for any decisions and actions that result from your decision to use of such information. We will never provide relationship, legal, investment, professional, home-ownership, tax or financial advice. There is no assumption of responsibility for any errors or omissions that may appear in any program materials or written information. You agree to take full responsibility for any results you receive from use of any products or services purchased from us.

No Financial or Investment Advice. 

User ACKNOWLEDGES AND AGREES THAT THE User IS SOLELY RESPONSIBLE FOR DETERMINING THE SUITABILITY OF ANY INVESTMENT, LENDING OR OTHER FINANCIAL STRATEGY AND ACCEPTS THE RISKS ASSOCIATED WITH SUCH DECISIONS, WHICH INCLUDES THE RISK OF LOSING ANY AMOUNTS INVESTED OR LOANED. ANY DECISION BY User TO MAKE ANY INVESTMENT, LOAN OR OTHER FINANCIAL STRATEGY OF ANY KIND SHALL BE BASED UPON THE User’s OWN CONSIDERATION AND ANALYSIS OF ANY PARTICULAR TRANSACTION AND MADE AT THE User’s OWN RISK. KEVIN CARTER™, ITS PRINCIPALS, MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, COACHES, ATTORNEYS, AGENTS, AFFILIATES, SUBSIDIARIES AND ASSIGNEES ARE NOT FINANCIAL ADVISORS AND NOTHING CONTAINED IN THE SERVICES IS INTENDED TO BE OR SHOULD BE CONSTRUED AS FINANCIAL ADVICE. KEVIN CARTER™, ITS PRINCIPALS, MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, COACHES, ATTORNEYS, AGENTS, AFFILIATES, SUBSIDIARIES AND ASSIGNEES ARE NOT INVESTMENT ADVISORS OR AN INVESTMENT ADVISORY SERVICE AND NOTHING CONTAINED IN THE SERVICES IS INTENDED TO BE OR SHOULD BE CONSTRUED AS INVESTMENT ADVICE. User shall seek independent advice from User’s attorney, accountant, and financial advisor regarding the User’s specific situation and prior to implementing any of the Services or any of the Services’ information, ideas, strategies, concepts, trainings, and sample forms. Advice from CPA, Financial Advisor and Attorney. USER UNDERSTANDS, ACKNOWLEDGES AND AGREES THAT KEVIN CARTER™ IS PROVIDING INFORMATION AND EDUCATION ONLY THROUGH THE SERVICES. THE INFORMATION CONTAINED IN THE SERVICES SHALL NOT BE DEEMED OR CONSTRUED AS LEGAL, TAX, OR FINANCIAL ADVICE. 

Limitation of Liability. 

IN NO EVENT SHALL KEVIN CARTER™ BE LIABLE FOR ANY INCIDENTAL, SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF GOODWILL, OR TORTIOUS CONDUCT RELATING TO, CAUSED BY OR ARISING OUT OF User’s RECEIPT AND USE OF THE SERVICES. ANY DAMAGES THAT KEVIN CARTER™ IS REQUIRED TO PAY FOR AND ANY AND ALL CAUSES, WHETHER FOR NEGLIGENCE, BREACH OF CONTRACT, OR OTHERWISE, AND REGARDLESS OF THE FORM OF THE ACTION IN THE AGGREGATE UNDER THIS AGREEMENT SHALL BE LIMITED TO THE SUBSCRIPTION FEE PAID BY User.

Disclaimer of Warranties. 

EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, KEVIN CARTER™ MAKES NO WARRANTIES, EITHER EXPRESS OR IMPLIED, REGARDING THE SERVICES.

Indemnity. 

User shall defend, indemnify and hold harmless KEVIN CARTER™, each of its principals, owners, employees, officers, attorneys, agents, contractors, licensors, suppliers, consultants, advisors, directors, managers, shareholders, successors, assigns, predecessors, affiliates, and members from any losses, claims, damages, costs, fees, awards, judgments, infringements, penalties, or injuries of any kind incurred by any third party, including reasonable attorney's fees and costs and expert fees, which arise from any alleged negligence, willful misconduct, infringement or breach by User in regards or in connection to this Agreement or in regards or in connection with User implementing any of the information, training, strategies and forms provided to User as part of the Services. This section shall survive the termination of this Agreement.

Sample Forms. 

User understands, acknowledges and agrees that in the event KEVIN CARTER™ is providing sample forms and contracts as part of the Services, such forms and contracts are for education and training purposes only. KEVIN CARTER™, ITS PRINCIPALS, MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, COACHES, ATTORNEYS, AGENTS, AFFILIATES, SUBSIDIARIES AND ASSIGNEES MAKE NO REPRESENTATIONS OR WARRANTIES AS TO THE VALIDITY, ENFORCEABILITY OR LEGAL COMPLIANCE OF THE SAMPLE FORMS AND CONTRACTS PROVIDED TO USER. KEVIN CARTER™ IS NOT PROVIDING ANY LEGAL ADVICE BY PROVIDING THE SAMPLE FORMS AND CONTRACTS TO User. User shall seek the advice of User’s attorney prior to using any of the sample forms and contracts and will have the sample forms and contracts reviewed by an attorney licensed in each state for which User intends to use such forms and contracts. Real estate contracts are important documents, so you should consult an attorney in your state before making any contractual commitment or signing any agreement. State laws vary and certain provisions in these sample contracts may not be enforceable. You may have a specific situation not addressed by these samples, and the attorney can address that particular issue for you. 

General Provisions.

Jurisdiction. This Agreement is governed by and shall be construed in accordance with the laws of the State of Virginia without regard to its principles of conflicts of law. In the event of a dispute arising under or relating to this Agreement, the Site or the Materials, you agree to the exclusive jurisdiction of the federal and state courts located in the State of Virginia, and waive any jurisdictional, venue, or inconvenient forum objections to such courts. The Site is controlled and operated by KEVIN CARTER™. from its principal office in Virginia and is not intended to subject KEVIN CARTER™, to the laws or jurisdiction or any state, country, or territory other than that of Virginia and of the United States of America.

KEVIN CARTER™, does not represent or warrant that the Site, or any aspect thereof, are appropriate or available for use in any particular jurisdiction. Those who choose to access the Site at their own risk and are responsible for complying with local laws. We may limit the availability of the Site to any person, geographic area, or jurisdiction we choose, at any time in our sole discretion. You agree not to transport, import, export, or re-export any Site content to a national or resident of any of the following countries: (i) Balkans, Burma (Myanmar), Cuba, Iran, Liberia, North Korea, Sudan, Syria, or any other country to which the United States has embargoed goods; or (ii) any person or entity on the United States Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders, and you represent, warrant, and covenant to us that you are not located in or under the control of any such country or on any such list. If any provision of this Agreement is found for any reason to be unlawful, void, or unenforceable, then that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of any remaining provision. Any heading, caption or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision hereof. A party’s failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. This, together with any of our policies referred to herein, constitutes the entire Agreement between you and KEVIN CARTER™, relating to your use of the Site; this Agreement supersedes any and all prior or contemporaneous written or oral Agreements between you and KEVIN CARTER™, regarding the same subject matter (except other written, fully-executed contracts between you and us). Neither the course of conduct between you and us, nor trade practice, shall act to modify any provision of this Agreement. This Agreement is not assignable, transferable or sub-licensable by you except with our prior written consent.

Digital Download Products, MONEY FLOW University and KEVIN CARTER™ on Demand For MONEY FLOW University Training Instant Access:

*There are no refunds at all on any digital products. All digital product purchases are non-refundable.

Again, be sure to return to these Terms periodically to review the most current version of the Policy. We reserve the right at any time, at our sole discretion, to change or otherwise modify this Policy without prior notice; however, the date of any effective changes shall be reflected at the top of this page and upon request we will provide you with information regarding any changes made.

Electronic Communications. 

When you visit the Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on the Website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. User acknowledges that KEVIN CARTER™ communicates with its users, clients, partners, vendors, employees, and agents electronically. User agrees and consents to receive electronically all invoices, communications, agreements, documents, notices, and any other document or correspondence (collectively "Communications") that KEVIN CARTER™ provides in connection with the Subscription and Services.

We may discontinue the Website at any time and for any reason, without notice. We may change the contents, operation, or features of the Website at any time for any reason, without notice.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of these Terms of Use or your use of the Website. Nothing contained in these Terms of Use is in derogation of our right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by us with respect to such use. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Our failure to enforce any provision of these Terms of Use or respond to a breach by you or others shall not constitute a waiver of our right to enforce any other provision of these Terms of Use as to that breach or any other.

If any provision of these Terms of Use is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect, and the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

These Terms of Use constitute the entire agreement between you and us regarding the Website and supersedes any prior or contemporaneous agreement regarding that subject matter.

By purchasing any item, product or event from this website, you acknowledge and agree to be bound by the terms and conditions set forth in this Policy as well as the Terms of Purchase and Refund Policy and Privacy Policy. If you do not agree to these Policies, please do not purchase anything and don’t enter into any transaction with us. 

Disclaimer.

KEVIN CARTER™ IS NOT A CPA, ATTORNEY, INSURANCE, CONTRACTOR, LENDER, OR FINANCIAL ADVISOR. THE CONTENT IN THIS DOCUMENT SHALL NOT BE CONSTRUED AS TAX, LEGAL, INSURANCE, CONSTRUCTION, ENGINEERING, HEALTH AND SAFETY, ELECTRICAL, FINANCIAL ADVICE, OR OTHER, AND MAY BE OUTDATED OR INACCURATE; IT IS YOUR RESPONSIBILITY TO VERIFY ALL INFORMATION YOURSELF. This content is intended to be used for educational and informational purposes only.

We recommend seeking the advice of a financial professional before you invest, and we accept no liability whatsoever for any loss or damage you may incur.

Be sure to return to these Terms periodically to review the most current version. We reserve the right at any time, at our sole discretion, to change or otherwise modify these Terms without prior notice; however, the date of any effective changes shall be reflected at the bottom of this page and upon request we will provide you with information regarding any changes made. This policy was last updated on November 3rd, 2025.