Terms of Use

Education only

All content, courses, calculators and resources on the Website are provided for general educational purposes only. They are not financial, investment, mortgage, tax, accounting or legal advice, and they are not a recommendation to buy, sell, finance or refinance any property.

No loans, mortgage services or real estate services are offered through the Website. Nothing on it is an application for credit, a pre-qualification, a loan commitment or an offer to lend. Using the Website or buying a course does not create an advisory, fiduciary, lender, broker or agency relationship with Investing Is Simple or Luis A. Perez.

Calculators & tools

Calculator results are estimates based only on the numbers you enter and simplified assumptions. They may not reflect actual loan terms, taxes, insurance, expenses, rents or returns, and should not be relied on as the sole basis for any decision.

Your decisions

Real estate investing involves risk, including the possible loss of money. You are solely responsible for your own decisions. Always consult licensed professionals — such as a lender, real estate agent, attorney, accountant or financial advisor — about your specific situation.

Courses & purchases

When courses become available, the price, what's included, how long you have access and the refund policy will be shown before you buy. Course access is for your personal, non-commercial use and may not be shared, resold or recorded.

Intellectual property

The Investing Is Simple name and logo, and all Website content — including text, graphics, videos, course materials and tools — belong to us or our licensors and are protected by copyright and trademark law. You may view and print content for your personal, non-commercial use. Any other use requires our written permission.

Acceptable use

• Do not use the Website for any unlawful purpose.
• Do not submit false information or someone else's contact details.
• Do not attempt to disrupt, overload, scrape or gain unauthorized access to the Website.

Third-party services

The Website links to third-party services such as YouTube and Instagram. We are not responsible for their content, policies or practices, and their own terms apply when you use them.

Disclaimer of warranties

The Website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and non-infringement. Laws, loan programs, rates and market conditions change, and content may not always be current.

Limitation of liability

To the fullest extent permitted by law, Investing Is Simple, Luis A. Perez and their affiliates will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or investment, arising from your use of the Website or reliance on its content. Our total liability for any claim relating to the Website will not exceed the amount you paid us, if any, in the twelve months before the claim.

Indemnification

You agree to indemnify and hold harmless Investing Is Simple and Luis A. Perez from claims arising out of your misuse of the Website or violation of these Terms.

Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Florida, and you consent to their jurisdiction.

Changes

We may update these Terms from time to time. The “Last updated” date shows when they last changed. Continuing to use the Website means you accept the updated Terms.

Contact

Questions about these Terms? Email Info@luisthelender.com.