1. Agreement to Terms
These Terms & Conditions govern your use of this website, PatrickDCollins.com, including all pages, content, articles, videos, downloads, forms, newsletters, free resources, and related communications.
By accessing or using this website, submitting your information, downloading a resource, joining the newsletter, or interacting with any content or service connected to this website, you agree to these Terms & Conditions.
If you do not agree with these Terms, please do not use this website.
In simple terms: this site is here to educate, encourage, and help you think more clearly about money, debt, homeownership, and financial decisions. Using the site means you agree to use it responsibly.
2. Website Purpose
This website provides educational content, resources, commentary, tools, newsletter content, and general information related to money, budgeting, debt, homeownership, financial clarity, personal finance, and related topics.
The website may also include information about services, coaching, resources, guides, workshops, mortgage-related education, homeownership strategies, and other business offerings connected to Pat Collins or PDCC LLC.
The content is intended for general educational and informational purposes only. It is not a substitute for personalized professional advice.
3. No Financial, Legal, Tax, or Mortgage Advice
The information provided on this website is educational in nature and should not be considered financial, legal, tax, investment, accounting, real estate, mortgage, or professional advice.
Your financial situation is personal. Your income, debt, credit, savings, family circumstances, goals, tax situation, mortgage eligibility, and risk tolerance may all affect what decisions are right for you.
Before making financial, legal, tax, mortgage, real estate, or investment decisions, you should speak with the appropriate licensed professional who can review your specific situation.
The goal here is to reach, teach, and inspire — not to replace personalized professional advice. Good decisions need good information, and sometimes that means getting the right expert at the table.
4. Eligibility
This website is intended for users who are at least 18 years old. By using this website, you confirm that you are at least 18 years of age or are using the website under the supervision of a parent or legal guardian.
This website is intended for users located in the United States. If you access this website from outside the United States, you are responsible for complying with any applicable local laws.
5. Acceptable Use
You agree to use this website only for lawful purposes and in a way that does not harm the website, interfere with other users, or violate the rights of others.
You agree not to:
- Use the website for unlawful, fraudulent, abusive, or harmful purposes
- Attempt to gain unauthorized access to the website, servers, systems, or data
- Interfere with or disrupt the website’s functionality or security
- Copy, scrape, harvest, or misuse website content without permission
- Submit false, misleading, or unauthorized information through forms
- Use the website to transmit spam, malware, viruses, or harmful code
- Misrepresent your identity or affiliation with any person or organization
- Use the website in a way that violates any applicable law or regulation
6. Educational Content
Articles, videos, guides, downloads, newsletters, workbooks, examples, calculators, frameworks, commentary, and other materials on this website are provided for educational and informational purposes.
While we work to provide helpful and accurate information, we cannot guarantee that all information will always be complete, current, or applicable to your specific situation.
Market conditions, interest rates, lending guidelines, financial products, tax rules, laws, and personal finance best practices may change over time.
You are responsible for verifying information before relying on it.
7. Free Resources & Downloads
This website may offer free resources, including workbooks, guides, checklists, worksheets, downloads, email courses, templates, or other materials.
These resources are provided for personal educational use only. You may not sell, reproduce, distribute, publish, modify, or use these materials for commercial purposes without written permission.
Downloading or using a free resource does not create a client, coaching, mortgage, financial advisory, legal, tax, or professional relationship.
Free resources are meant to help you start better conversations, make clearer decisions, and take smarter next steps — but they are not a replacement for personalized advice.
8. Newsletter & Communications
If you join the newsletter, download a resource, complete a form, register for an event, or otherwise provide your contact information, you may receive emails, updates, educational content, reminders, and marketing communications where permitted by law.
You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in an email or by contacting us at support@patrickdcollins.com.
By submitting your contact information, you agree that we may use the information you provide to respond to your request, deliver resources, and communicate with you according to our Privacy Policy.
9. Third-Party Links & Tools
This website may contain links to third-party websites, embedded forms, videos, social media platforms, scheduling tools, analytics tools, advertising platforms, payment processors, CRM tools, or other services that are not owned or controlled by us.
We are not responsible for the content, policies, practices, accuracy, availability, or security of third-party websites or services.
When you click a third-party link or use a third-party tool, you may be subject to that third party’s terms, conditions, and privacy policy.
10. Intellectual Property
All content on this website, including text, graphics, logos, images, videos, audio, downloads, workbooks, guides, designs, layouts, branding, copy, frameworks, and other materials, is owned by or licensed to Pat Collins, PDCC LLC, or the appropriate rights holder.
You may view, download, and print materials for your personal, non-commercial use only, unless otherwise stated.
You may not, without written permission:
- Copy, reproduce, republish, or distribute website content
- Sell, license, or commercially exploit website materials
- Modify or create derivative works from website content
- Use website content as your own branded material
- Remove copyright, trademark, or ownership notices
- Use Pat Collins branding, logos, names, or materials in a misleading way
11. User Submissions
If you submit questions, comments, feedback, testimonials, reviews, form responses, messages, or other information through this website or related channels, you are responsible for ensuring that your submission is accurate, lawful, and does not violate the rights of others.
By submitting content, you give us permission to review, respond to, store, and use that submission for the purpose of communicating with you, improving services, and operating the website.
If you voluntarily provide a testimonial, review, comment, or success story, you grant us permission to use it for marketing or educational purposes unless otherwise agreed in writing.
12. Testimonials & Results
Testimonials, reviews, examples, stories, or results shared on this website are individual experiences and do not guarantee that you will achieve the same or similar results.
Financial, mortgage, homeownership, budgeting, debt payoff, and coaching outcomes depend on many factors, including income, expenses, debt, credit profile, savings, discipline, market conditions, lender guidelines, timing, and individual circumstances.
Any examples are for illustration only and should not be interpreted as promises, guarantees, or predictions of future results.
13. AI & Automation
We may use automation tools, artificial intelligence tools, language models, and related technologies to support internal workflows, content organization, drafting, summarization, service improvement, and communication processes.
These tools may help us create educational content, organize information, improve efficiency, or better respond to user needs.
We do not use artificial intelligence to replace licensed professional judgment where such judgment is required.
14. Disclaimers
This website and all content, resources, downloads, communications, and materials are provided on an “as is” and “as available” basis.
We do not guarantee that the website will be uninterrupted, error-free, secure, current, complete, or free of viruses or harmful components.
We make no warranties or representations regarding the accuracy, reliability, suitability, availability, or completeness of the website or its content.
To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
15. Limitation of Liability
To the fullest extent permitted by law, Pat Collins, PDCC LLC, and any related owners, employees, contractors, affiliates, service providers, or representatives will not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising out of or related to your use of this website.
This includes, but is not limited to, damages related to loss of data, lost profits, business interruption, financial decisions, reliance on content, third-party links, website errors, or inability to access the website.
Your use of the website is at your own risk.
16. Indemnification
You agree to defend, indemnify, and hold harmless Pat Collins, PDCC LLC, and any related owners, employees, contractors, affiliates, service providers, or representatives from and against any claims, damages, losses, liabilities, costs, or expenses arising out of your use of the website, violation of these Terms, or violation of any rights of another person or entity.
17. Changes to These Terms
We may update these Terms & Conditions from time to time to reflect changes in our website, services, business practices, technology, legal requirements, or other operational needs.
When changes are made, the updated Terms will be posted on this page with a revised “Last Updated” date.
Your continued use of the website after changes are posted means you accept the updated Terms.
18. Governing Law
These Terms & Conditions are governed by the laws of the State of California, without regard to conflict of law principles.
Any dispute arising out of or related to these Terms, this website, or your use of this website shall be handled in accordance with applicable law and, where appropriate, in the courts located in California.