Permitted use
You may use the site for lawful personal and business education. You may not interfere with security, scrape or republish substantial content, impersonate another person, submit unlawful material, or attempt unauthorized access.
No professional relationship
Website use, contact submissions, and assistant messages do not create an attorney-client, lender-borrower, investment-adviser, tax-adviser, fiduciary, or credit-repair relationship.
Intellectual property
Site design, original text, frameworks, graphics, and brand assets are protected to the extent allowed by law. Third-party names and materials remain the property of their owners.
Availability and external links
The site may change or become unavailable. External sites control their own content, privacy, security, and terms.
Disclaimers and liability
The site is provided for general information without guaranteed accuracy, availability, or results. To the extent permitted by law, use is at the visitor's risk and Rick Jefferson is not responsible for decisions made solely from general website information.
Governing law and contact
These terms are governed by applicable United States and Texas law without overriding non-waivable consumer rights. Questions can be sent through the contact page.