1. Acceptance of Terms

By accessing or using realestatewithray.com, submitting any form on this website, purchasing any product or service, or engaging with any content associated with Real Estate With Ray, you agree to be bound by these Terms and Conditions in full. If you do not agree to these terms, you must not use this website.

These Terms and Conditions apply to all visitors, users, and purchasers, without limitation.

2. No Investment, Legal, or Financial Advice

All content, materials, eBooks, podcast episodes, videos, social media posts, and any other information produced by or associated with Real Estate With Ray and Ray Woods are provided strictly for educational and informational purposes only.

Nothing on this website or in any associated content constitutes:

• Legal advice or a legal opinion
• Financial advice or investment recommendations
• Tax advice or guidance
• Accounting or auditing services
• Any other form of professional advice

Past performance discussed or referenced in any content is not indicative of future results. All real estate investing involves risk, including the possible loss of principal. You should always consult with a licensed attorney, financial advisor, CPA, or other qualified professional before making any decision.

3. Limitation of Liability

To the fullest extent permitted by applicable law, Ray Woods and Real Estate With Ray, including all affiliated entities, officers, employees, contractors, and agents, shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from:

• Your use of or inability to use this website
• Any investment decision made based on content found on this website
• Any product or service purchased through this website
• Any form submitted on this website
• Reliance on any information, material, or content provided by Real Estate With Ray in any format

By using this website, purchasing any product, or submitting any form, you expressly release Ray Woods and Real Estate With Ray from any and all claims, demands, and damages of every kind and nature arising out of or in any way related to such use, purchase, or submission.

4. eBook and Digital Product Purchases

All eBook and digital product sales are final. Due to the digital nature of these products, we do not offer refunds once a purchase has been completed and the product has been delivered or made accessible.

By completing a purchase you acknowledge that you have read the product description and understand what you are buying. eBooks are for personal, non-commercial use only. Reproduction, redistribution, or resale of any digital product is strictly prohibited.

5. Podcast and Guest Applications

Submitting a guest application for The Laws of Life Podcast or any associated show does not guarantee a booking. Submissions are reviewed at Ray's sole discretion. Real Estate With Ray reserves the right to accept or decline any application without explanation.

By submitting a podcast guest application, you consent to being contacted by Ray's team via the information you provided. You understand that this contact may include SMS messages or phone calls if you have given consent accordingly.

6. Investment Inquiries

Submitting an investment inquiry form does not create any obligation, partnership, or investment agreement of any kind. All investment opportunities discussed through Real Estate With Ray are subject to separate offering documents, agreements, and applicable securities laws. Nothing on this website constitutes an offer to sell or solicitation of an offer to buy any security.

Real estate investing involves substantial risk. You should carefully review all offering documents and consult with qualified legal and financial professionals before committing to any investment.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, eBooks, podcast content, and video, is the intellectual property of Ray Woods and Real Estate With Ray unless otherwise noted. Unauthorized use, reproduction, or distribution of any content is strictly prohibited and may result in legal action.

8. Third-Party Links and Services

This website may contain links to third-party websites or services, including payment processors, podcast platforms, and partner applications. Real Estate With Ray is not responsible for the content, privacy practices, or terms of any third-party site. Your use of any third-party site is governed by that site's own terms and policies.

9. SMS Communication Terms

If you have opted in to receive SMS messages from Real Estate With Ray, message frequency will vary based on your inquiry or purchase. Message and data rates may apply. You may opt out at any time by replying STOP. Reply HELP for assistance.

Consent to receive SMS messages is never required as a condition of any purchase or service. See our Privacy Policy for full details on how we handle your contact information.

10. Changes to These Terms

Real Estate With Ray reserves the right to modify these Terms and Conditions at any time. Updated terms will be posted on this page with a revised effective date. Your continued use of this website after any modification constitutes your acceptance of the updated terms.

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Georgia.