Effective Date: 02/01/2026
Last Updated: 04/21/2026

This Disclaimer applies to thecreativebusinessaccelerator.com, all related pages, digital products, downloads, resources, emails, course materials, consulting services, coaching-style support, and other content provided by Spirit & Thread Crochet LLC d/b/a The Creative Business Accelerator (“Company,” “we,” “us,” or “our”).

By using this website or purchasing or participating in our products or services, you accept this Disclaimer.

1. Educational and Informational Purposes Only

All content and services provided by us are for educational and informational purposes only. We share general business education, systems ideas, workflows, organizational practices, and related resources intended to help business owners think more clearly and act more intentionally in their businesses.

Nothing on this website or in our products or services is intended to be, or should be understood as, legal, tax, accounting, financial, investment, medical, mental health, therapeutic, or other professional advice.

2. No Legal, Tax, Accounting, or Financial Advice

We are not your attorney, CPA, accountant, financial advisor, fiduciary, therapist, or other licensed professional unless expressly stated in a separate written agreement.

Any references to:

• business formation

• contracts

• taxes

• bookkeeping

• pricing

• budgeting

• compliance

• financial systems

• business strategy

• risk management

• operations

are general educational discussions only and are not a substitute for advice from a qualified professional who understands your specific situation.

You should consult your own attorney, CPA, tax professional, bookkeeper, financial professional, or other licensed advisor before making legal, tax, financial, or business decisions.

3. No Client Relationship

Your use of our website, content, free resources, emails, or purchased materials does not create an attorney-client, accountant-client, financial advisor-client, fiduciary, therapy, employment, partnership, joint venture, or similar professional relationship.

Unless we enter into a separate signed written agreement stating otherwise, your use of our materials creates only a customer relationship for the limited products or services purchased.

4. No Guarantees; Individual Results Vary

We do not guarantee any specific result, outcome, income level, business growth, audience growth, customer count, profitability, legal protection, tax outcome, or financial result.

Any examples, case studies, testimonials, sample outcomes, or illustrations are provided for explanatory purposes only. They are not promises or guarantees that you will achieve the same or similar results.

Your results depend on many factors outside our control, including your experience, effort, business model, pricing, market conditions, audience, decision-making, expenses, legal compliance, implementation, timing, and personal circumstances. FTC guidance and enforcement in the business-coaching space make clear that businesses should avoid unfounded money-making claims, which is why this disclaimer does not promise earnings or business success.

5. Testimonials and Endorsements

Any testimonials, reviews, or endorsements appearing on this website or in our marketing reflect individual experiences. They are not intended to represent or guarantee that anyone else will achieve the same results.

We aim to use testimonials honestly and in compliance with applicable consumer protection requirements. Federal law prohibits deceptive or fake reviews and requires clear disclosure of material relationships where applicable.

6. Personal Responsibility

You are responsible for your own decisions, actions, implementation, compliance, and results. By using our website, content, or services, you acknowledge that you are using your own judgment and that you assume full responsibility for any actions you take based on the information provided.

7. Business and Compliance Responsibility

You remain solely responsible for ensuring that your own business complies with all laws, regulations, licensing requirements, disclosure rules, tax obligations, and industry standards applicable to you. Laws vary by state, country, industry, and business model, and they change over time.

8. No Warranties

All website content, resources, templates, trainings, and services are provided “as is” and “as available,” without warranties of any kind, express or implied, to the fullest extent permitted by law.

We do not warrant that:

• the website will always be available, uninterrupted, or error-free

• any content is complete, current, or free from inaccuracies

• any recommendation is appropriate for your circumstances

• any download, template, or system will fit your specific legal, tax, or operational needs

9. Third-Party Content and Links

We may reference or link to third-party websites, tools, platforms, service providers, software, articles, templates, or resources. We do not control and are not responsible for third-party content, accuracy, availability, policies, or results.

Any third-party reference does not constitute a guarantee, endorsement, or representation that the third party is right for you.

10. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any loss or damages arising out of or related to your use of this website, our content, our emails, our products, or our services, including but not limited to direct, indirect, incidental, consequential, special, punitive, or reliance damages.

You understand that you use our website, content, and services voluntarily and at your own risk.

11. Contact

Questions about this Disclaimer may be sent to:

Spirit & Thread Crochet LLC d/b/a The Creative Business Accelerator
Email: krista@thecreativebusinessaccelerator.com