Terms & Conditions

1. Acceptance of terms

By using this website, submitting a form, watching a live stream, viewing educational content, or purchasing a product through a linked checkout, you agree to these Terms & Conditions. If you do not agree, do not use the website.

2. Educational purpose only

Ray Reynolds University provides educational content, books, live teaching, replays, and related resources. Information on this website is for general education only and is not legal, tax, financial, lending, investment, credit-repair, or professional advice.

3. No guarantees

Results vary. We do not guarantee credit-score changes, loan approvals, credit-line approvals, funding, business outcomes, legal outcomes, financial results, or any specific result from using the website, resources, books, live streams, or related services.

4. User responsibility

You are responsible for your own decisions, financial actions, credit behavior, account payments, applications, disputes, loans, business structures, tax filings, and professional relationships. You should consult qualified professionals before making important legal, tax, financial, credit, or lending decisions.

5. Purchases and third-party checkout

Book purchases or other transactions may be completed through third-party checkout providers. Payment processing, refunds, chargebacks, and order fulfillment may be subject to the terms of the applicable payment or checkout provider.

6. Intellectual property

Website content, educational material, branding, copy, graphics, videos, live streams, replays, book content, and related materials are owned by or licensed to us unless otherwise stated. You may not copy, resell, redistribute, reproduce, or exploit the materials without written permission.

7. Website use

You agree not to misuse the website, including by:

• Attempting to disrupt, hack, scrape, or overload the website.
• Submitting false, misleading, unlawful, or abusive information.
• Using content or forms for spam, fraud, or unauthorized commercial activity.
• Violating applicable laws or third-party rights.

8. Third-party links and embeds

The website may link to or embed third-party services, including video platforms, payment providers, CRM forms, advertising platforms, or partner resources. We are not responsible for third-party websites, content, policies, or services.

9. Limitation of liability

To the maximum extent allowed by law, we are not liable for indirect, incidental, consequential, special, punitive, or lost-profit damages related to website use, educational content, third-party services, or reliance on information provided through this website.

10. Changes to these terms

We may update these Terms & Conditions from time to time. Continued use of the website after changes are posted means you accept the updated terms.

11. Contact

Questions about these Terms & Conditions can be sent to marketing@rrfsllc.com or by calling (800) 480-0090.