Effective Date: August 21, 2026
TERMS OF SERVICE
These Terms of Service govern your use of websites, landing pages, forms, educational resources, courses, communications, and other services operated by or associated with Kay Wittmann and related businesses and brands.
By accessing our websites, submitting a form, downloading a resource, purchasing a product or service, or otherwise using our services, you agree to these Terms of Service.
SERVICES WE PROVIDE
Depending on your inquiry and needs, our services and communications may relate to:
• Mortgage lending and loan-related services
• Real estate brokerage and real estate-related services
• Business consulting and educational services
• Business acquisition and investment education
• Courses, workshops, webinars, checklists, guides, and other educational resources
• Marketing communications and informational resources
Submitting information through one of our websites or forms does not guarantee approval, eligibility, financing, representation, or any particular result.
MORTGAGE AND LENDING DISCLAIMER
Information provided through our websites, videos, courses, checklists, social media, email, SMS, or other communications is for general informational and educational purposes unless you are specifically engaging us for mortgage services.
Loan programs, interest rates, terms, eligibility requirements, underwriting guidelines, property requirements, and approval standards may change and may vary by lender and borrower.
Submitting an inquiry does not constitute loan approval, pre-approval, commitment to lend, or guarantee of financing.
Any mortgage transaction is subject to applicable licensing requirements, disclosures, underwriting, lender guidelines, and applicable federal and state laws.
REAL ESTATE DISCLAIMER
General real estate information provided through our websites, educational materials, social media, courses, email, SMS, or other communications does not automatically create a broker-client or agency relationship.
Any real estate representation is subject to a separate agreement and applicable disclosures, licensing requirements, and laws.
Property information, pricing, rental income, expenses, investment projections, market information, and other real estate data should be independently verified before making a decision.
BUSINESS CONSULTING AND EDUCATIONAL DISCLAIMER
Our business consulting, courses, checklists, workshops, videos, webinars, and educational materials are intended to provide general information and education.
We do not guarantee that you will purchase a business, obtain financing, increase revenue, earn a particular amount of money, or achieve any specific financial or business result.
Business and investment decisions involve risk. You are responsible for conducting your own due diligence and consulting appropriate legal, tax, accounting, financial, or other qualified professionals when necessary.
NO LEGAL, TAX, OR ACCOUNTING ADVICE
Unless expressly stated otherwise, information we provide does not constitute legal, tax, accounting, or investment advice.
You should consult appropriately licensed professionals regarding your individual circumstances before making significant financial, legal, tax, real estate, lending, or business decisions.
LEAD FORMS AND COMMUNICATIONS
When you submit information through our forms, websites, landing pages, or other communication channels, we may use that information to:
• Provide the resource or information you requested
• Respond to your inquiry
• Determine which of our services may be relevant to you
• Communicate with you regarding mortgage, real estate, business consulting, educational, or related services
• Send communications when you have provided the appropriate consent
Your information will be handled according to our Privacy Policy.
EMAIL AND TEXT MESSAGING
If you consent to receive email or SMS communications, we may send you information, updates, educational content, offers, or other communications consistent with the consent you provided.
Message frequency may vary.
Message and data rates may apply.
You may reply STOP to text messages to opt out and HELP for assistance.
Consent to receive marketing text messages is not a condition of purchasing goods or services.
PURCHASES AND DIGITAL PRODUCTS
Certain courses, workshops, memberships, consulting services, downloads, or other products may require payment.
Pricing, payment terms, refund policies, cancellation terms, and other conditions presented at the time of purchase will apply to that transaction.
Digital products and educational materials are provided for personal use unless otherwise stated.
INTELLECTUAL PROPERTY
Unless otherwise stated, our websites, courses, checklists, guides, videos, presentations, downloads, graphics, educational materials, and other original content are owned by us or used with permission.
You may not reproduce, distribute, sell, republish, or commercially exploit our materials without prior written permission, except as permitted by law.
THIRD-PARTY SERVICES AND LINKS
Our websites and communications may contain links to third-party websites, platforms, lenders, service providers, payment processors, or other resources.
We are not responsible for the availability, accuracy, security, content, policies, or practices of third-party services.
LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, we are not responsible for losses or damages resulting from reliance on general educational information, market information, projections, third-party information, or decisions you make based on our content.
Nothing in these Terms limits rights or obligations that cannot legally be limited under applicable law.
NO GUARANTEES
Examples, calculations, case studies, investment analyses, projections, testimonials, or hypothetical scenarios are provided for informational purposes and do not guarantee future results.
Actual results depend on numerous factors, including your financial circumstances, credit profile, property, market conditions, business performance, lender requirements, and other factors outside our control.
PRIVACY
Your use of our websites and services is also subject to our Privacy Policy.
CHANGES TO THESE TERMS
We may update these Terms of Service periodically. Changes will be posted on this page with an updated effective date.
CONTACT US
If you have questions regarding these Terms of Service, please contact:
Kay Wittmann
1112 N. Main St. #424
Manteca, CA 95336
Email: [email protected]
Phone: 209-665-0059