Privacy Policy, Terms & Disclosures

Last Updated: September 2, 2026

Welcome to Build With Terrence, an independently operated online brand of Terrence and Caroline Ragland ("we," "our," or "us").

Build With Terrence provides educational resources, lifestyle and business-building information, digital content, and information about products, services, affiliate programs, and business opportunities that may be of interest to our audience.

By accessing or using this website, requesting our digital resources, subscribing to our communications, or using our content, you acknowledge the policies, terms, and disclosures described below. If you do not agree with these terms, please discontinue use of the website.

SECTION 1: PRIVACY POLICY

1.1 Information We Collect

When you request a digital resource, subscribe to our email list, contact us, or otherwise interact with Build With Terrence, we may collect personal information that you voluntarily provide, including your:

• First name

• Email address

• Other information you voluntarily submit through forms or communications

We may also automatically receive certain technical information when you visit or use our website, such as your IP address, browser type, device information, referring pages, website usage information, and cookies or similar technologies.

Third-party service providers that host, operate, analyze, or automate portions of our website may also process information as necessary to provide their services.

1.2 How We Use Your Information

We may use information collected through Build With Terrence to:

• Deliver digital guides, resources, or other content you request

• Send educational and informational email communications

• Provide information about entrepreneurship, additional-income strategies, lifestyle resources, travel, financial education, affiliate products, services, or business opportunities

• Communicate brand news, updates, promotions, and relevant offers

• Operate, maintain, analyze, secure, and improve our website and marketing systems

• Respond to questions or requests

• Comply with applicable legal requirements

Receiving a free resource may also enroll you in relevant follow-up email communications from Build With Terrence. You may unsubscribe from marketing emails at any time.

1.3 Service Providers and Third Parties

We do not sell or rent your personal information to third-party marketing companies.

We may use third-party service providers to operate portions of Build With Terrence, including website hosting, email delivery, marketing automation, analytics, payment processing, and related business functions.

Our website and marketing funnels currently utilize Systeme.io for certain website hosting and marketing automation functions.

If you choose to visit, evaluate, enroll in, or purchase a product or service offered by a third-party company through Build With Terrence, you may be redirected to that company's website or platform.

Those third parties operate independently and maintain their own terms, privacy policies, security practices, billing procedures, and data-processing practices. We encourage you to review their policies before providing personal or payment information.

1.4 Cookies and Similar Technologies

Build With Terrence and our service providers may use cookies, pixels, analytics tools, or similar technologies to operate the website, understand website usage, remember preferences, measure marketing effectiveness, and improve the visitor experience.

Your browser may allow you to restrict or disable certain cookies. Doing so may affect the functionality of portions of the website.

1.5 Email Communications and Unsubscribe Rights

If you subscribe to our email list or request one of our digital resources, we may send you educational, informational, promotional, and marketing communications related to Build With Terrence.

You may unsubscribe from marketing communications at any time by using the unsubscribe link included in our marketing emails.

Please note that we may retain limited information when reasonably necessary to honor an unsubscribe request, comply with legal obligations, prevent fraud, or maintain appropriate business records.

1.6 California Privacy Rights

California residents may have certain rights concerning their personal information under applicable California privacy laws.

Where applicable, these rights may include the ability to request information concerning personal information maintained about you and to request correction or deletion of certain personal information.

To submit a privacy-related request, please contact:

terrence.business@icloud.com

We will review and process applicable requests in accordance with governing law.

1.7 Children's Privacy

Build With Terrence and its digital resources are intended for adults.

We do not knowingly solicit or intentionally collect personal information from children under 13. Our business, affiliate, and income-opportunity content is intended for individuals who are at least 18 years old.

If we become aware that personal information from a child has been collected inappropriately, we may take reasonable steps to delete it.

SECTION 2: TERMS OF USE

2.1 Educational and Informational Purpose

Content provided through Build With Terrence, including guides, videos, emails, articles, demonstrations, social media content, examples, and other resources, is provided for general educational and informational purposes.

Nothing provided by Build With Terrence should be construed as individualized financial, investment, tax, legal, credit, insurance, accounting, medical, or other professional advice.

You are responsible for independently evaluating information and consulting an appropriately qualified professional when professional advice is necessary.

2.2 No Guarantee of Accuracy or Availability

We make reasonable efforts to provide useful and accurate information. However, information, prices, promotions, commissions, membership benefits, product features, company policies, software capabilities, discounts, travel rates, compensation plans, and other third-party information may change.

We do not guarantee that all information will remain current, complete, accurate, or available.

Before making financial, purchasing, enrollment, business, travel, or other significant decisions, you should independently verify information with the appropriate company or professional.

2.3 Intellectual Property and Use of Content

Unless otherwise indicated, original guides, written content, graphics, training materials, videos, and other original materials produced by Build With Terrence are owned by or licensed to Terrence and Caroline Ragland and are protected by applicable intellectual-property laws.

You are granted a limited, personal, non-exclusive, non-transferable license to access and use these materials for lawful personal and non-commercial purposes.

You may not reproduce, sell, redistribute, republish, or commercially exploit our original materials without prior written permission.

2.4 Third-Party Websites, Products and Services

Build With Terrence may provide links to third-party websites, products, services, software platforms, memberships, or business opportunities.

We do not control those third-party websites or companies and are not responsible for their availability, content, policies, pricing, representations, products, services, security, or business practices.

Your relationship with a third-party provider is governed by that provider's own terms and policies.

2.5 Changes to the Website and Terms

We may modify, discontinue, add, or remove content, resources, features, offers, or portions of Build With Terrence at any time.

We may also update these Terms, Privacy Policy, and Disclosures when our business practices, services, technology, or applicable requirements change.

The "Last Updated" date at the top of this page indicates the most recent revision.

SECTION 3: AFFILIATE, BUSINESS RELATIONSHIP & COMPENSATION DISCLOSURE

3.1 Affiliate and Referral Relationships

Build With Terrence may participate in affiliate, referral, direct-sales, independent-contractor, or other compensated marketing relationships with third-party companies.

This means Terrence and/or Caroline Ragland may receive commissions, referral fees, bonuses, or other compensation when someone purchases, subscribes, enrolls, or takes another qualifying action through certain links or recommendations.

When a material compensation relationship exists in connection with a recommendation or endorsement, we intend to disclose that relationship clearly.

The existence of a compensation relationship does not increase the price you pay unless expressly disclosed otherwise.

3.2 Independent Operator Status

Build With Terrence is independently owned and operated by Terrence and Caroline Ragland.

Unless expressly stated otherwise, Build With Terrence is not owned, operated, sponsored, endorsed, or controlled by third-party companies whose products, services, programs, or business opportunities may be discussed.

Our opinions, educational content, marketing materials, and independent websites should not automatically be interpreted as official communications from any third-party company.

3.3 Affiliate Recommendations

We may discuss or recommend products and services with which we have a financial relationship.

When such a relationship exists, visitors should understand that we may benefit financially if they act upon the recommendation.

An affiliate or compensation relationship should not be interpreted as a guarantee regarding the quality, suitability, profitability, performance, or results of a product, service, or opportunity.

You should evaluate products, services, and opportunities based on your own circumstances and research.

SECTION 4: EARNINGS & RESULTS DISCLOSURE

4.1 No Earnings Guarantee

Build With Terrence does not guarantee that you will earn money, generate profits, develop residual income, create a successful business, improve your credit, reduce expenses, obtain particular travel savings, or achieve any other specific financial or lifestyle result.

Starting or participating in a business, affiliate program, direct-sales organization, or other income-producing activity involves uncertainty and may involve financial risk.

You should never spend money that you cannot afford to lose based on an expectation of future earnings.

4.2 Examples, Projections and Personal Experiences

Any income examples, projections, calculations, demonstrations, testimonials, case studies, savings examples, personal experiences, or hypothetical scenarios presented by Build With Terrence are provided for educational purposes and should not be interpreted as promises or guarantees of what you will achieve.

Where we discuss a specific company's income opportunity, visitors should review that company's current official compensation plan, income disclosure statement, terms, fees, and other applicable materials before making an enrollment or purchasing decision.

4.3 Earnings Claims

Build With Terrence does not intend hypothetical calculations, goals, projections, or examples to represent typical or guaranteed earnings.

Any specific earnings or performance representation should be evaluated together with the disclosures and substantiation applicable to that particular company, product, service, or opportunity.

A disclaimer does not replace the need for truthful and appropriately supported advertising claims.

SECTION 5: SOCIAL MEDIA & THIRD-PARTY BRAND DISCLAIMER

5.1 Social Media Independence

Build With Terrence is independently operated and is not sponsored, endorsed, administered by, or affiliated with Facebook, Instagram, TikTok, YouTube, or other social media platforms referenced on this website unless expressly stated otherwise.

References to social media platforms are provided for identification, communication, or educational purposes.

5.2 Trademarks and Third-Party Brands

All third-party company names, product names, logos, trademarks, and service marks referenced on Build With Terrence remain the property of their respective owners.

Reference to a company, product, trademark, or service does not by itself imply sponsorship, endorsement, partnership, or affiliation.

SECTION 6: GENERAL DISCLAIMER

Build With Terrence provides educational and informational content and is not a substitute for professional advice.

Business, financial, credit, legal, insurance, travel, software, tax, and other circumstances vary from person to person. You are responsible for conducting your own research, evaluating risks and costs, verifying information with appropriate third parties, and obtaining professional advice when necessary.

Your use of Build With Terrence and any decision you make based on information presented through our website or content is at your own discretion and risk, subject to rights and remedies that cannot legally be excluded or limited.

SECTION 7: CONTACT INFORMATION

Questions concerning this Privacy Policy, Terms of Use, disclosures, or privacy requests may be directed to:

Terrence & Caroline Ragland
Build With Terrence
Website: BuildWithTerrence.com
Email: terrence.business@icloud.com