Welcome to the website of Creative Financial Services (“CFS,” “we,” “us,” “our”). By using this website, you agree to these Terms & Conditions and to our Privacy Policy.

1. Educational Information – Not Personal Advice

All content on this website, our blog, emails, texts, videos, classes, and social media is for general educational purposes only.

It is not tax, legal, or financial advice for any specific person or business.

You should not act or stop acting based only on what you read or see here. Please speak with a qualified professional about your own situation before making decisions.

2. No Automatic Client Relationship

Using this website, filling out a form, or sending us a message does not make you a client of CFS.

You become a client only when:

  1. We agree to take you on as a client, and

  2. You sign our engagement letter or service agreement, and

  3. We confirm the services we will provide.

Until then, we are not officially your tax preparer, bookkeeper, or advisor.

3. Accuracy and Changes

We try to keep all information on this website current and accurate, but tax laws and rules change often, and errors can happen.

We do not promise that all content is always complete, current, or error-free.

We may change, update, or remove content, services, and prices at any time without notice.

4. No Guarantee of Results

Any examples of tax savings, refunds, or results are illustrations only.

Your results will depend on:

  • your income and expenses

  • your documents and records

  • your personal and business situation

  • current tax laws and rules

We do not guarantee any specific refund amount, tax savings, or outcome.

5. Your Responsibilities

You are responsible for:

  • the accuracy and completeness of the information and documents you provide to us

  • reviewing your returns, forms, and documents before they are filed or signed

  • following tax, legal, and financial rules that apply to you and your business

6. Intellectual Property

The content on this website, including text, graphics, logos, and designs, is owned by Creative Financial Services or used with permission.

You may not copy, reproduce, sell, or distribute our content for commercial purposes without our written consent.

7. Third-Party Websites and Tools

Our website may link to or use third-party websites and tools (for example: scheduling tools, payment providers, document upload platforms).

We are not responsible for the content of those external sites or for their privacy or security practices. Please review their own terms and policies when you use them.

8. Limitation of Liability

To the fullest extent allowed by law, Creative Financial Services is not responsible for any loss or damage that results from:

  • your use of this website or our content

  • your reliance on general information instead of getting personal advice

  • any delay, error, or interruption in the website or its tools

If we are found legally responsible for something related to this website, our total liability will be limited to the amount you paid us for the services directly related to that claim (if any).

9. Changes to These Terms

We may update these Terms & Conditions and this Disclaimer from time to time. When we do, we will update the “Last updated” date at the top. By continuing to use this website after changes are posted, you agree to the updated terms.

10. Contact Us

If you have questions about these Terms, this Disclaimer, or our services, please contact us:

Creative Financial Services
📧 Email: [email protected]
📞 Phone: 407-738-9357
🌐 Website: www.cfscommunity.com