Terms of Service

1. Acceptance of Terms

By accessing or using the From Lease to Legacy website (“Website”), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree to these Terms, you should not use this Website.

2. Educational and Informational Purpose

The content provided on this Website, in the book From Lease to Legacy, and through related resources is for educational and informational purposes only.

From Lease to Legacy provides information regarding homeownership, real estate, financial literacy, wealth-building strategies, credit education, property ownership, legacy building, and related topics. The information presented is general in nature and should not be considered legal, financial, tax, investment, mortgage, credit, or real estate advice.

You are encouraged to consult qualified professionals regarding your specific circumstances before making financial, legal, real estate, lending, tax, or investment decisions.

3. Real Estate Disclaimer

From Lease to Legacy may include information related to buying, selling, investing in, or preparing for real estate ownership. Any real estate-related content is provided for general educational purposes only.

Nothing on this Website guarantees eligibility for homeownership, financing, real estate investment success, property appreciation, or any specific real estate outcome.

If Ro Smith is acting as a licensed Texas real estate professional, any real estate services are subject to applicable Texas real estate laws, brokerage requirements, and written agreements.

Texas real estate license holders may be required to provide the Texas Real Estate Commission Information About Brokerage Services notice and Consumer Protection Notice in certain circumstances. TREC states that license holders must provide a completed IABS notice at the first substantive communication about a specific property, and TREC rules require business websites controlled by a license holder to include readily noticeable links to the IABS and Consumer Protection Notice.

4. No Professional Relationship

Use of this Website does not create any attorney-client, financial advisor-client, mortgage broker-client, lender-borrower, real estate agent-client, consultant-client, fiduciary, or other professional relationship between you and From Lease to Legacy.

A real estate agency, brokerage, consulting, or other professional relationship is only created through a separate written agreement signed or accepted by the appropriate parties.

5. Consultation Disclaimer

Free consultation calls, discovery calls, book-related calls, or informational sessions are provided for general discussion and educational purposes only.

Scheduling or participating in a consultation call does not create a client relationship, agency relationship, fiduciary relationship, legal relationship, financial advisory relationship, lending relationship, or obligation to provide services unless separately agreed to in writing.

6. Mortgage and Financing Disclaimer

From Lease to Legacy is not a lender, mortgage broker, financial institution, credit repair organization, or legal services provider unless expressly stated otherwise.

Any references to mortgage programs, financing options, down-payment assistance programs, credit improvement strategies, grants, homeownership opportunities, or real estate funding options are provided solely for educational purposes.

Approval for financing, mortgages, grants, assistance programs, or credit products is determined solely by the applicable lenders, institutions, agencies, or third-party providers.

7. No Guarantee of Results

We make no guarantees regarding:

• Mortgage approvals
• Credit score improvements
• Homeownership outcomes
• Real estate purchases or sales
• Investment performance
• Property values
• Financial results
• Wealth-building outcomes
• Consultation outcomes
• Business or legacy-building results

Individual results vary based on personal circumstances, qualifications, market conditions, economic factors, lender requirements, third-party decisions, and choices made by the user.

Testimonials, success stories, examples, and case studies are provided for illustrative purposes only and do not guarantee future results.

8. Book Purchases and Product Information

From Lease to Legacy may offer books, signed copies, digital resources, educational materials, or related products for purchase.

Product descriptions, pricing, availability, shipping timelines, and promotional offers may change at any time without notice.

Signed copies may be limited in availability. Shipping times are estimates and are not guaranteed.

9. Refunds, Returns, and Cancellations

Refund, return, and cancellation policies may vary depending on the product or service purchased.

Physical books, signed copies, downloadable materials, digital products, consultation calls, and services may be non-refundable unless otherwise stated at the time of purchase or required by applicable law.

Customers are responsible for reviewing all product descriptions and purchase details before completing an order.

10. Fair Housing Commitment

From Lease to Legacy supports the principles of the Fair Housing Act and applicable federal, state, and local anti-discrimination laws.

We do not discriminate on the basis of race, color, religion, sex, disability, familial status, national origin, age, sexual orientation, gender identity, or any other legally protected classification.

Texas real estate rules also prohibit license holders from making inquiries or disclosures that indicate a preference, limitation, or discrimination based on protected classifications.

11. Intellectual Property

All content on this Website, including but not limited to:

• Text
• Graphics
• Logos
• Images
• Videos
• Downloads
• Training materials
• Digital resources
• Book content
• Website copy
• Branding elements

is the property of From Lease to Legacy unless otherwise indicated.

No content may be copied, reproduced, distributed, modified, republished, sold, displayed, transmitted, or used for commercial purposes without prior written permission.

12. Third-Party Links and Resources

This Website may contain links to third-party websites, services, professionals, lenders, tools, vendors, or resources.

We are not responsible for the content, accuracy, policies, practices, availability, pricing, or performance of third-party websites or services. A third-party link does not imply endorsement unless expressly stated.

13. Affiliate Disclosure

Some links, resources, or recommendations may include affiliate relationships, referral relationships, or compensation arrangements.

If you purchase through certain links or use referred services, From Lease to Legacy may receive compensation at no additional cost to you. Any such compensation does not guarantee a particular result or outcome.

14. User Conduct

You agree not to:

• Use the Website for unlawful purposes
• Submit false or misleading information
• Attempt unauthorized access to systems or networks
• Interfere with Website operations
• Upload harmful software, malware, viruses, or malicious code
• Copy or misuse Website content
• Engage in conduct that disrupts the experience of other users

15. Limitation of Liability

To the fullest extent permitted by law, From Lease to Legacy and its owners, affiliates, employees, contractors, partners, representatives, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from:

• Use of this Website
• Reliance on Website content
• Book content
• Consultation calls
• Third-party services
• Business interruptions
• Loss of profits
• Data loss
• Financial decisions made by users
• Real estate decisions made by users
• Lending, credit, mortgage, or investment outcomes

Your use of this Website and any related materials is at your own risk.

16. Indemnification

You agree to defend, indemnify, and hold harmless From Lease to Legacy, its owners, affiliates, employees, contractors, partners, representatives, and service providers from any claims, liabilities, damages, losses, costs, or expenses arising from:

• Your use of the Website
• Your purchase or use of products or services
• Your reliance on Website or book content
• Your violation of these Terms
• Your violation of applicable laws or regulations
• Your infringement of intellectual property or other rights

17. Changes to These Terms

We reserve the right to modify these Terms at any time.

Updated Terms will be posted on this page and become effective immediately upon posting. Continued use of the Website after updates are posted constitutes acceptance of the revised Terms.

18. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of Texas, without regard to conflict-of-law principles.

19. Venue and Jurisdiction

Any disputes arising from or relating to these Terms, this Website, products, services, purchases, consultations, or related communications shall be subject to the jurisdiction of the state or federal courts located in Texas.

By using this Website, you consent to jurisdiction and venue in Texas.

20. Contact Information

For questions regarding these Terms of Service, contact: