Terms & Conditions + Disclaimer

By accessing, downloading, or using this material, you agree to the following terms:

1. Educational Purposes Only
All information provided in this material is for educational and informational purposes only. It is not intended as legal, financial, tax, or investment advice. You should consult with a qualified professional before making any decisions.

2. No Guarantees of Results
Any examples, case studies, or potential outcomes discussed are not guarantees of results. Real estate and investing involve risk, and results will vary based on individual circumstances, effort, market conditions, and experience.

3. Not a Solicitation or Offer
Nothing in this material constitutes an offer to sell, a solicitation to buy, or a recommendation of any specific investment, strategy, or transaction.

4. Risk Disclosure
Real estate transactions, including but not limited to options, lease options, seller financing, and note investing, carry financial risk. You may lose money. You are solely responsible for any decisions you make.

5. No Client Relationship
Accessing this material does not create a client, advisory, or fiduciary relationship between you and John Klosowski or The Home Equity Advisory LLC.

6. Accuracy of Information
While efforts are made to ensure accuracy, no guarantees are made regarding completeness, reliability, or timeliness of the information provided.

7. Personal Responsibility
You acknowledge that you are responsible for your own actions, decisions, and results. You agree not to hold John Klosowski or The Home Equity Advisory LLC liable for any outcomes resulting from the use of this material.

8. Intellectual Property
This material is owned by John Klosowski and The Home Equity Advisory LLC and may not be reproduced, distributed, or shared without prior written permission.

9. Contact
If you have questions, you may contact: [[email protected]]

Plain-English Summary (Because Nobody Reads Legal Stuff):
This is education, not advice. There are no guarantees. You can lose money. Use your own judgment.

 

Privacy Policy

Effective Date: [Insert Date]

This Privacy Policy describes how John Klosowski and The Home Equity Advisory LLC (“we,” “us,” or “our”) collect, use, and protect your information when you access our content, download materials, or submit your information through our websites, landing pages, or forms.

1. Information We Collect
We may collect the following information when you interact with us:

  • Name

  • Email address

  • Phone number (if provided)

  • Any information you voluntarily submit

We may also collect basic technical data such as IP address, browser type, and website usage through cookies or similar technologies.

2. How We Use Your Information
We use your information to:

  • Deliver requested content (lead magnets, guides, etc.)

  • Communicate with you via email, phone, or text

  • Provide additional information, updates, or marketing related to our services

  • Improve our content, marketing, and user experience

3. Consent to Communication
By submitting your information, you consent to receive communications from John Klosowski and The Home Equity Advisory LLC, including emails, calls, and text messages. Message and data rates may apply. You may opt out at any time.

4. How We Protect Your Information
We take reasonable steps to protect your personal information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Sharing of Information
We do not sell your personal information.
We may share your information with trusted third-party service providers (such as email platforms or CRM systems) solely to operate our business and deliver services.

6. Your Rights and Choices
You may:

  • Unsubscribe from emails at any time using the link provided

  • Request access to or deletion of your personal information by contacting us

7. Cookies and Tracking
We may use cookies or similar tracking technologies to improve your experience and analyze usage. You can adjust your browser settings to disable cookies if desired.

8. Third-Party Links
Our content may contain links to third-party websites. We are not responsible for the privacy practices of those websites.

9. Updates to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted with an updated effective date.

10. Contact Information
If you have any questions about this Privacy Policy or your data, contact:
[Your Email Here]

Plain-English Version:
We collect your info so we can send you what you asked for and follow up with you. We don’t sell your data. You can unsubscribe anytime.

 

By submitting your information, you agree to receive communication from John Klosowski and The Home Equity Advisory LLC, including email, phone, and text messages. You can unsubscribe at any time. Your information will never be sold.

This content is for educational purposes only and does not constitute legal, financial, or investment advice. Results are not guaranteed.