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Terms of Service

Last updated: May 21, 2026

Effective Date: 06/15/2026

1. Acceptance of Terms

By creating an account, starting a free trial, or paying for a subscription on CreativeBuddy.ai ("Service"), you ("User" or "you") agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you are accepting on behalf of a company or organization, you represent that you have authority to bind that entity, and "you" refers to that entity. These Terms constitute a binding legal agreement between you and InIt Coaching LLC, a Florida limited liability company ("CreativeBuddy," "we," "us," or "our"), which operates the CreativeBuddy.ai platform. If you do not agree to these Terms, do not use the Service.

2. Description of Service

CreativeBuddy.ai is an AI-powered content intelligence platform designed for mortgage professionals and real estate agents. The Service surfaces trending and viral video content from TikTok, Instagram, and YouTube, generates content scripts and ideas tailored to your audience profile, and provides coaching on short-form video strategy to help you generate business from social media.

3. Eligibility

You must be at least 18 years old and legally permitted to enter into contracts in your jurisdiction to use the Service. The Service is intended for licensed mortgage and real estate professionals operating in the United States. By using the Service, you represent that you meet these requirements.

4. Account Registration and Security

To use the Service, you must create an account using a valid email address and password. During onboarding, you will provide a profile including your name, business name, industry, company description, target audience, competitive advantages, key products, tone preferences, content topics, and social media handles ("Profile Data"). You are responsible for:

  • Maintaining the confidentiality of your login credentials;
  • All activity that occurs under your account;
  • Notifying us immediately at tfritz@tylreid.com if you suspect unauthorized access.

We reserve the right to suspend or terminate accounts that show evidence of unauthorized use, abuse, or violation of these Terms.

5. Subscription Plans, Free Trial, and Billing

5.1 Subscription Plans

CreativeBuddy.ai is offered on a subscription basis. Current pricing tiers are available at /billing/select-plan. Pricing is subject to change with 30 days' notice to active subscribers.

5.2 Free Trial

IMPORTANT - AUTOMATIC RENEWAL DISCLOSURE (Florida Statute 501.165): We may offer a free trial of a length disclosed at signup. A valid payment method is required at the time you start your free trial. Your subscription will automatically renew and your payment method will be charged at the end of the trial period unless you cancel before the trial ends. You may cancel at any time before the trial ends through your account settings at /settings?tab=billing - the same method you used to enroll - at no charge.

5.3 Automatic Renewal

Your subscription automatically renews at the end of each billing period (monthly or annual) at the then-current rate unless you cancel before the renewal date. For annual subscriptions, we will send you a renewal reminder by email no later than 30 days and no earlier than 60 days before your renewal date, including instructions on how to cancel. You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period; you retain access through that date.

5.4 Additional Disclosures for California Residents (California Automatic Renewal Law - Bus. & Prof. Code section 17600)

If you are a California resident, the following additional terms apply: At checkout, the automatic renewal offer terms - including the trial length, the price that will be charged after the trial, and how to cancel - will be presented clearly and conspicuously before your purchase is completed. After signup, we will send you a confirmation email containing the automatic renewal offer terms, your cancellation policy, and instructions on how to cancel. Retain this email for your records. To cancel, visit your account settings at /settings?tab=billing or contact us at tfritz@tylreid.com. You may cancel at any time; cancellation takes effect at the end of your current billing period. If we make a material change to the automatic renewal terms, we will provide advance notice and a new acknowledgment before the change takes effect. California subscribers who were charged without receiving the required disclosures may cancel and request a full refund of all charges by contacting us at tfritz@tylreid.com.

5.5 Payment Processing

Payments are processed by Stripe. By providing your payment information, you authorize us to charge your payment method for all fees due. We do not store credit card numbers; payment data is held by Stripe pursuant to their terms and PCI-DSS standards. For enterprise plans, invoicing terms will be specified in your enterprise agreement.

5.6 Price Changes

We reserve the right to modify subscription pricing. We will provide at least 30 days' notice of any price change to active subscribers via email. Continued use of the Service after the price change takes effect constitutes acceptance of the new pricing.

6. Cancellation and Refund Policy

Monthly Plans: No refunds. When you cancel a monthly subscription, you retain access through the end of the current billing period. No partial-month refunds are issued.

Annual Plans: If you cancel an annual plan within 14 days of your most recent annual charge, you are eligible for a pro-rated refund for the unused portion of the year. After 14 days, no refund is issued; you retain access through the end of your annual term.

Free Trial: No charge is incurred if you cancel before the trial period ends.

To cancel, visit your account settings at /settings?tab=billing or contact us at tfritz@tylreid.com.

7. Intellectual Property

7.1 Our Content and Platform

All software, design, algorithms, aggregated data compilations, trademarks, and underlying technology of CreativeBuddy.ai are owned by InIt Coaching LLC or its licensors and are protected by applicable intellectual property laws. You may not copy, modify, reverse engineer, or create derivative works of the platform or its technology.

7.2 User-Owned Outputs

You own all scripts, content outlines, and other outputs generated for you through the Service ("Generated Content"). We do not claim ownership of your Generated Content. Data Portability and Export: You may request an export of your Profile Data and Generated Content by emailing tfritz@tylreid.com. Export requests submitted within 30 days of cancellation or termination will be fulfilled. After 30 days, your data is permanently deleted from our systems, except where we are required to retain it for legal, tax, or fraud-prevention purposes. For accounts suspended due to fraud or abuse, export requests may be denied pending resolution of the underlying matter.

7.3 License to Us

By using the Service, you grant InIt Coaching LLC a non-exclusive, royalty-free, worldwide license to log, store, and process your Profile Data, prompts, Generated Content, and usage data to operate, secure, and improve the Service. We do not sell your data. We do not use your identifiable data to train third-party AI models. Third-party AI providers that process prompts as part of the Service do so under their own terms, with model training disabled where that option is available.

7.4 Your Content

You retain ownership of any content, materials, or data you upload or submit to the Service. You grant us a limited license to process that content solely to provide the Service to you.

8. AI-Generated Content - Disclaimer

THE SERVICE GENERATES CONTENT USING ARTIFICIAL INTELLIGENCE. AI-GENERATED OUTPUTS MAY BE INACCURATE, INCOMPLETE, OUTDATED, OR INAPPROPRIATE FOR YOUR SPECIFIC SITUATION.

You acknowledge and agree that:

  • All Generated Content is provided for informational and ideation purposes only;
  • Generated Content does not constitute legal, financial, compliance, or professional advice;
  • You are solely responsible for reviewing, editing, and approving all content before publishing or distributing it in any form;
  • We make no representations or warranties regarding the accuracy, quality, originality, or fitness for purpose of any Generated Content.

9. Regulatory Compliance Disclaimer - Mortgage and Real Estate Professionals

CRITICAL NOTICE FOR LICENSED MORTGAGE AND REAL ESTATE PROFESSIONALS:

CreativeBuddy.ai generates content ideas and scripts that may relate to mortgage products, real estate services, interest rates, lending programs, and related financial topics. CreativeBuddy.ai is not a compliance tool and does not review Generated Content for regulatory compliance. You are solely responsible for ensuring that all content you publish complies with all applicable laws, regulations, and professional standards, including but not limited to:

  • RESPA (Real Estate Settlement Procedures Act) - Sections 8 and 10 restrictions on referral fees, kickbacks, and unearned fees;
  • Fair Housing Act and Fair Lending Laws - prohibitions on discriminatory advertising based on race, color, religion, national origin, sex, disability, familial status, or any other protected class;
  • NMLS Advertising Requirements - all required NMLS ID disclosures on advertising and marketing materials;
  • Truth in Lending Act (TILA) / Regulation Z - triggering term disclosures and credit advertising requirements;
  • State Licensing and Advertising Regulations - applicable in each state where you are licensed to originate loans or represent buyers/sellers;
  • Employer, Broker, and Company Compliance Policies - internal approval processes required by your employer or brokerage before publishing any marketing content.

Always obtain all required compliance reviews and approvals before publishing any content generated by this Service. CreativeBuddy.ai, InIt Coaching LLC, and their officers, employees, and affiliates accept no liability for regulatory violations arising from your use of Generated Content.

10. Third-Party Services and Data Sources

10.1 Third-Party Content Data

The Service surfaces viral video content aggregated via third-party data providers that aggregate publicly available content metadata from TikTok, Instagram, and YouTube. By using the Service, you acknowledge that:

  • TikTok, Instagram (Meta), and YouTube each maintain their own Terms of Service governing the use of their platform content;
  • Your use of trending video data surfaced through the Service is subject to the terms of those platforms;
  • CreativeBuddy.ai does not warrant that any particular content or data surfaced through the Service is licensed for commercial use or reproduction;
  • You are responsible for ensuring your use of any referenced third-party content complies with applicable platform terms and copyright law.

10.2 Stripe

Payment processing is provided by Stripe, Inc. Your use of Stripe's services is subject to Stripe's Terms of Service and Privacy Policy.

10.3 General

The Service may contain links to or integrations with third-party services. We are not responsible for the content, privacy practices, or terms of any third-party services.

10.4 DMCA / Copyright Agent

CreativeBuddy.ai respects intellectual property rights and complies with the Digital Millennium Copyright Act (17 U.S.C. section 512). If you believe that content accessible through the Service infringes your copyright, you may submit a written notice to our designated DMCA agent at: DMCA Agent: InIt Coaching LLC Address: 327 Plaza Real #215, Boca Raton, FL 33432 Email: tfritz@tylreid.com. Your notice must include: (1) identification of the copyrighted work claimed to be infringed; (2) identification of the allegedly infringing material and its location on the Service; (3) your contact information; (4) a statement of good faith belief that the use is not authorized; (5) a statement under penalty of perjury that the information is accurate and you are authorized to act on behalf of the copyright owner; and (6) your physical or electronic signature.

11. Prohibited Uses

You agree not to use the Service to:

  • Generate content that is defamatory, harassing, discriminatory, fraudulent, or deceptive;
  • Violate any applicable law, regulation, or professional licensing requirement;
  • Infringe any third-party intellectual property, privacy, or other rights;
  • Reverse engineer, scrape, or extract data or algorithms from the platform;
  • Share, resell, or sublicense access to the Service to unauthorized third parties;
  • Use the Service to build a competing product or service;
  • Circumvent any access controls, usage limits, or security features.

We reserve the right to suspend or terminate your account immediately for any prohibited use.

12. Privacy and Data

Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Key points:

  • Account data (email, profile, social handles) is used to provide and personalize the Service;
  • AI inputs, outputs, and usage activity are logged to operate, debug, and improve the Service;
  • Payment data is processed and stored by Stripe; we do not store credit card numbers;
  • California residents have additional rights under the California Consumer Privacy Act (CCPA), as described in our Privacy Policy.

Data Retention: We retain your account data for as long as your account is active. Upon account deletion or termination, your data is permanently deleted within 30 days, except for data we are required to retain for legal, tax, or fraud-prevention purposes, which may be retained for up to 7 years in accordance with applicable law.

Security Incidents: In the event of a data breach that affects your personal information, we will notify you within 72 hours of becoming aware of the incident, in accordance with applicable law, at the email address associated with your account.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED/ERROR-FREE OPERATION. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT AI-GENERATED OUTPUTS WILL BE ACCURATE OR SUITABLE FOR YOUR PURPOSE.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INIT COACHING LLC AND ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, REGULATORY FINES OR PENALTIES, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE OR ANY GENERATED CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100).

15. Indemnification

You agree to indemnify, defend, and hold harmless InIt Coaching LLC and its officers, employees, agents, and affiliates from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) any content you publish using Generated Content; (c) your violation of these Terms; (d) your violation of any applicable law, regulation, or third-party right; or (e) any regulatory action arising from your published content.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Arbitration: Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent misappropriation of intellectual property or breach of confidentiality obligations. You waive any right to participate in a class action lawsuit or class-wide arbitration. The arbitration shall take place in Palm Beach County, Florida, or by video conference if mutually agreed.

17. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or via an in-app notice at least 14 days before the changes take effect. Your continued use of the Service after the effective date of any changes constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must cancel your subscription and stop using the Service before the effective date.

18. Termination

We may suspend or terminate your access to the Service at any time for violation of these Terms, non-payment, or at our discretion with 30 days' notice. You may terminate your account at any time by cancelling your subscription through your account settings and contacting us at tfritz@tylreid.com to request account deletion. Upon termination, your right to use the Service ends. Sections 7 (IP), 8 (AI Disclaimer), 9 (Regulatory Disclaimer), 13-16, and 18 survive termination.

19. Miscellaneous

Entire Agreement: These Terms and the Privacy Policy constitute the entire agreement between you and InIt Coaching LLC regarding the Service and supersede all prior agreements. Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full force. No Waiver: Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it in the future. Assignment: You may not assign your rights under these Terms without our written consent. We may assign our rights to a successor entity without restriction. Notices: Legal notices to us should be sent to: InIt Coaching LLC, 327 Plaza Real #215, Boca Raton, Florida 33432, Attn: Legal - or via email to tfritz@tylreid.com.

20. Contact

InIt Coaching LLC / CreativeBuddy.ai. 327 Plaza Real #215, Boca Raton, FL 33432. tfritz@tylreid.com. creativebuddy.ai.

This document is a draft prepared for review by legal counsel before publication. It is not legal advice and should be reviewed by a licensed Florida attorney before use.

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