Terms & Conditions

Welcome to iancruz.me

These Terms and Conditions govern your use of the iancruz.me website. By accessing or using this website, you agree to comply with and be bound by these terms. If you do not agree with any part of these Terms and Conditions, please discontinue use of the website.

Definitions

Throughout this document, the terms "User," "You," and "Your" refer to anyone accessing this website. "We," "Us," "Our," or "The Company" refers to Ian Cruz and affiliated entities. References to singular or plural, capitalization, or gender-specific terms are interchangeable and apply equally.

Cookies

We use cookies to enhance your experience on our website. By accessing iancruz.me, you consent to the use of cookies in accordance with our Privacy Policy. Cookies help us improve functionality and understand how visitors interact with our site. Some third-party partners may also use cookies.

Intellectual property and license

Unless otherwise stated, all content on iancruz.me, including text, graphics, and materials, is owned by or licensed to us. All intellectual property rights are reserved.

You may view and use the content for personal, non-commercial purposes only. You may not:

• Republish content from iancruz.me
• Sell, rent, or sublicense website material
• Copy or duplicate content
• Redistribute content without written permission

Digital products

Templates, checklists, and other digital products purchased through this website are licensed to the purchaser for use in their own business. They may not be resold, shared, or redistributed. Because digital products are delivered immediately, purchases are non-refundable except where required by law; if a product does not work as described, contact us and we will make it right.

Templates and guides are provided for educational purposes and do not constitute accounting, tax, legal, or investment advice. Consult your own advisors before acting on any analysis.

User comments and content

Certain areas of the website may allow users to post comments or content. We do not pre-screen or review comments before they appear. Any opinions expressed are those of the individual users and do not reflect our views.

We reserve the right to monitor and remove any content deemed inappropriate, offensive, or in violation of these Terms.

By posting content, you confirm that:

• You have the right and permission to post it
• It does not infringe on third-party intellectual property
• It is not defamatory, unlawful, or invasive of privacy
• It is not used for unauthorized promotion or illegal activity

You grant us a non-exclusive right to use, reproduce, edit, and distribute your content in any format.

Linking to our website

Certain organizations (such as government agencies, search engines, news outlets, and directories) may link to our website without prior approval, provided the link is not misleading or falsely implies endorsement.

We may approve additional link requests at our discretion. Requests should be sent via email and reviewed within a reasonable timeframe.

No use of our logo or branding is permitted without explicit written permission.

iFrames

You may not frame or alter the visual presentation of our website without prior written approval.

Content liability

We are not responsible for content that appears on third-party websites linking to us. You agree to defend and hold us harmless against any claims arising from your website or links.

Reservation of rights

We reserve the right to request removal of any links to our website and to update these Terms at any time. Continued use of the website indicates acceptance of any changes.

Link removal requests

If you find any link on our website objectionable, you may contact us. While we will review requests, we are not obligated to remove links or respond directly.

Disclaimer

We do not guarantee that the information on this website is accurate, complete, or up to date, nor that the website will always be available. Portfolio figures, returns, and deal descriptions are historical, are presented as of the date noted, and are not an offer to sell or a solicitation of an offer to buy any security. Offerings, where made, are made only to qualified investors through the applicable offering documents.

To the fullest extent permitted by law, we disclaim all warranties and limit liability for any loss or damage arising from the use of this website. This does not limit liability where prohibited by law, including cases of fraud or personal injury.

Contact us

If you have any questions regarding these Terms and Conditions, please contact us at ian@cincycashflow.com.