📜 TERMS & CONDITIONS
Effective Date: January 2026-January 2028
Business Name: Exquisite Dreams Consulting
Website: exquisitedpros.com
Welcome to Exquisite Dreams Consulting. By accessing or using this website, purchasing any product, enrolling in any program, or engaging with any services, you agree to be bound by the following Terms and Conditions. Please read them carefully.
1. Acceptance of Terms
By accessing this website or purchasing any product or service from Exquisite Dreams Consulting (“Company,” “we,” “us,” or “our”), you agree to these Terms and Conditions, our Privacy Policy, and any additional disclaimers posted on this site. If you do not agree, please do not use this website.
2. Services & Products
Exquisite Dreams Consulting provides educational, consulting, and informational services, including but not limited to:
- Pathway to Keys™ homeownership education program
- Digital products and ebooks
- Financial literacy and credit education
- Consulting, coaching, and educational resources
- Real estate–related education and information
All products and services are for educational and informational purposes only.
3. No Financial, Credit, or Legal Advice
Nothing on this website or within our programs, ebooks, or services constitutes financial, legal, tax, or credit repair advice.
You understand and agree that:
- We do not guarantee credit score increases.
- We do not guarantee mortgage approval.
- We do not guarantee financial results, investment outcomes, or real estate transactions.
You are solely responsible for your financial decisions and outcomes. We encourage you to consult licensed financial, legal, tax, mortgage, or real estate professionals before making decisions.
4. Real Estate Disclaimer
Information provided on this website and in our programs is for educational purposes only and does not create a client-agent relationship.
Real estate services, representation, and transactions are governed by separate agreements, brokerages, and state regulations. Nothing on this site guarantees the purchase, sale, or acquisition of property.
5. Digital Products, Programs & Refund Policy
All sales of digital products, courses, ebooks, and downloadable materials are final.
Due to the nature of digital content:
- No refunds are provided once access is granted.
- No chargebacks or payment reversals are permitted.
By purchasing, you acknowledge that you are receiving immediate access to proprietary educational materials.
6. Intellectual Property
All content on this website—including but not limited to text, graphics, logos, videos, programs, worksheets, ebooks, branding, and frameworks—is the exclusive property of Exquisite Dreams Consulting.
You may not:
- Copy, reproduce, resell, distribute, or modify any materials.
- Share program access or digital products.
- Use content for commercial purposes without written permission.
Unauthorized use may result in legal action.
7. User Responsibilities
By using this site, you agree that you will not:
- Violate any laws or regulations
- Post false, misleading, or harmful content
- Attempt to access restricted areas of the site
- Disrupt website functionality or security
You are responsible for maintaining the confidentiality of your login credentials and all activity under your account.
8. Results Disclaimer
We make no guarantees regarding outcomes related to:
- Homeownership
- Credit improvement
- Financial growth
- Real estate investing
- Income or wealth building
Testimonials and examples reflect individual experiences and are not promises of results.
9. Limitation of Liability
Exquisite Dreams Consulting shall not be held liable for any direct, indirect, incidental, or consequential damages arising from:
- Use of this website
- Participation in programs
- Purchase of digital products
- Reliance on educational materials
Your use of this site and services is entirely at your own risk.
10. Third-Party Links & Tools
We may link to third-party websites, tools, or services. We are not responsible for their content, privacy practices, or performance. Use of third-party services is at your discretion.
11. Modifications
We reserve the right to update these Terms & Conditions at any time. Continued use of the website constitutes acceptance of any changes.
12. Governing Law
These Terms shall be governed and interpreted according to the laws of the State of Michigan, without regard to conflict of law principles.
13. Contact Information
For questions regarding these Terms & Conditions, contact:
Exquisite Dreams Consulting
📧 info@exquisitedpros.com
🌐 exquisitedpros.com