Terms of Use & Disclosures

1. Acceptance of Terms & Scope of Website

These Terms of Use and Disclosures ("Terms") govern your access to and use of the website, free downloadable resources, content, and consultation scheduling offered under the brand Money with Camacho ("we," "us," or "our"), a personal finance education, content, and affiliate marketing brand operated by Camacho Holdings LLC.

By accessing this website, downloading free resources (e.g., budget planners), or booking a consultation, you agree to these Terms. If you do not agree, please do not use this site.

2. Financial Education & Non-Advice Disclaimer

• No Financial, Legal, or Tax Advice: Nothing on this website constitutes personalized financial planning, legal counsel, accounting, or tax advice. Personal financial situations differ significantly. You should consult a licensed financial advisor, CPA, or attorney regarding your specific situation before making financial commitments.
• No Guarantees of Outcomes: We do not make any guarantees regarding credit score increases, loan approvals, business funding amounts, interest rates, or investment returns. Past performance or illustrative examples do not predict future results.

3. Entity Distinctions & Mortgage Disclosures

Money with Camacho is a personal finance education, content, and affiliate marketing brand operated by Camacho Holdings LLC. Certain other services or regulated activities mentioned on this website are provided through separate brands or distinct legal entities:

4. Consultations & Booking Terms

When scheduling an introductory consultation through our booking portal (/book):

• Nature of the Call: Introductory consultations are exploratory and educational. They do not create a client-broker, fiduciary, legal, or formal credit repair contract until and unless a formal written agreement is signed.
• Accurate Information: You agree to provide accurate and complete contact information (name, email, phone number) and to attend the scheduled call or provide reasonable advance notice of cancellation or rescheduling.
• Communications: By booking a call, you authorize us to send you transactional confirmations, reminders, and calendar updates regarding your appointment.
• REVIEW REQUIRED: Verification of SMS / Telemarketing Rules Marketing or automated follow-up messages will only be delivered if compliant with the Telephone Consumer Protection Act (TCPA) and your applicable consent choices.

5. Affiliate Disclosure & Third-Party Offers

• Independent Evaluation: We strive to recommend products and services we believe bring genuine value to our community. However, compensation may influence which products are reviewed or where they appear.
• Third-Party Responsibility: We do not own, operate, endorse, or guarantee any third-party product, rate, fee schedule, term, or service. All rates, terms, bonuses, and account features are determined solely by the third-party provider and are subject to change without notice. Please review the provider's terms and conditions before opening an account.

6. Free Tools & Downloadable Templates

Free resources—such as the Google Sheets Budget Planner template—are provided "as-is" for personal, non-commercial use. While designed to be practical and useful, we make no representations or warranties that calculations or formulas are error-free or suited for your specific financial situation. You are responsible for verifying all calculations.

7. Intellectual Property & Acceptable Use

All brand assets, content, text, graphics, logos, and materials published on Money with Camacho are the intellectual property of Bryan Camacho / the operating entity and are protected by copyright and trademark laws.

You may not copy, reproduce, distribute, sell, or create derivative works from our materials without our prior written consent. You agree not to misuse this website, attempt unauthorized access, or disrupt its operation.

8. Limitation of Liability & Disclaimer of Warranties

To the fullest extent permitted by law, Money with Camacho, Bryan Camacho, and our affiliates, partners, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of your access to, use of, or inability to use this website, free resources, or third-party affiliate products.

This website and all materials are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Dispute Resolution & Governing Law

REVIEW REQUIRED: Dispute Resolution Clause Selection

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

Note for Legal Counsel: Reference sites utilize mandatory arbitration under AAA rules and class-action waivers. Please confirm whether Money with Camacho (as an educational/content brand) should adopt binding arbitration, informal dispute negotiation, or court jurisdiction in Los Angeles County, California.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. When updated, we will revise the Effective Date. Your continued use of the website following any changes signifies your acceptance of the modified Terms.

11. Contact Information