Terms and Conditions

Last Updated: October 13, 2025

1. Agreement to Terms By accessing our website, myownerfinancing.com, and purchasing our products, you agree to be bound by these Terms and Conditions. These terms apply to all visitors, users, and others who wish to access or use the Service.

2. Intellectual Property Rights Unless otherwise indicated, the Site and the digital products, including all documents, templates, text, and graphics (collectively, the "Content") are the proprietary property of Kel Commerce, LLC and are protected by copyright and trademark laws.

3. User License Upon purchase, we grant you a limited, non-exclusive, non-transferable license to download, access, and use the purchased Content for your personal or internal business use. You are expressly prohibited from sublicensing, reselling, sharing, or distributing the Content in any form. This license is for a single user only.

4. Purchases and Payment We accept payments through Stripe. You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Site.

5. Refund Policy We offer a 30-day money-back guarantee on our digital products. If you are not satisfied, please contact us at [email protected] +1 276 525 0096 within 30 days of your purchase to request a refund. We reserve the right to deny refund requests in cases of suspected abuse of this policy. Upon receiving a refund, your license to use the Content is immediately revoked.

6. Disclaimer of Warranties The Content provided is for educational and informational purposes only. Kel Commerce, LLC does not provide legal, financial, or real estate advice. You are responsible for consulting with a qualified attorney in your jurisdiction to ensure any contract or document is suitable for your specific needs and complies with all applicable laws. The Content is provided on an "as-is" basis, and we make no warranties regarding its completeness, accuracy, or suitability for any particular purpose.

7. Limitation of Liability In no event will Kel Commerce, LLC or its directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, or punitive damages arising from your use of the Site or the Content.

8. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Tennessee, United States.

9. Contact Us To resolve a complaint or receive further information regarding the use of the Site or Content, please contact us at: Kel Commerce, LLC [email protected] +1 276 525 0096

All Rights Reserved | 2025