Terms and Conditions

Last Updated: August 17, 2026

Welcome to Property Gems LLC. These Terms and Conditions govern your use of www.propertygemsllc.com, including its content, digital products, calculators, deal-analysis tools, membership areas, Investor Vault resources, home decor and related services.

By accessing this website, creating an account, purchasing a product, or using our services, you agree to these Terms and Conditions. If you do not agree, please discontinue use of the website.

1. About Property Gems LLC

Property Gems LLC provides educational content, digital products, real-estate investing resources, calculators, templates, checklists, eBooks, and membership content. References to “Property Gems,” “we,” “us,” or “our” mean Property Gems LLC.

2. Educational Purposes Only

All information, tools, calculators, examples, eBooks, templates, and other resources provided by Property Gems are for general educational and informational purposes only.

Nothing on this website constitutes:

• Legal, tax, accounting, investment, lending, or financial advice

• A recommendation to purchase, sell, finance, or invest in any property

• A guarantee that a real-estate transaction will be profitable

• Real-estate brokerage, appraisal, inspection, or property-management services

• A substitute for advice from a licensed professional

Property Gems LLC is not acting as your attorney, accountant, financial advisor, lender, real-estate broker, or investment advisor. You should consult qualified professionals and independently investigate every property and investment opportunity before making a decision.

3. No Guarantee of Results

Real-estate investing and business activities involve risk. Property values, repair costs, financing terms, rental income, market conditions, taxes, and investment returns can change.

We do not guarantee:

• Profits, savings, financing approval, or investment returns

• The availability or value of any property

• The accuracy of third-party property information

• That our educational materials will produce a particular result

• That calculators or deal-analysis tools will predict actual performance

Testimonials, case studies, examples, and estimated results are provided for illustration only. Individual results will vary.

4. Deal Calculators and Analysis Tools

Property Gems may provide calculators and tools for estimating purchase prices, repair costs, cash flow, return on investment, financing costs, or other figures.

These tools depend on the information entered by the user and may contain estimates, assumptions, rounding differences, or technical errors. Results should not be treated as appraisals, professional valuations, loan offers, or guarantees.

You are responsible for verifying all calculations and conducting appropriate due diligence before entering a transaction.

5. Eligibility and Accounts

You must be at least 18 years old and legally able to enter a binding agreement to make purchases, create an account, or access paid membership content.

You agree to provide accurate account information and keep your login credentials confidential. You are responsible for activity conducted through your account. Contact us promptly if you believe your account has been accessed without authorization.

Accounts and membership access may not be shared, sold, transferred, or made available to another person.

6. Digital Products

Digital products may include eBooks, guides, checklists, templates, worksheets, downloadable files, videos, calculators, and Investor Vault materials.

Purchasing a digital product gives you a limited, personal, non-exclusive, non-transferable license to use it for your own educational or business purposes. Ownership of the content does not transfer to you.

Unless a product page specifically grants commercial-use or resale rights, you may not:

• Resell, redistribute, sublicense, or share the product

• Upload the product to another website, marketplace, membership, or file-sharing platform

• Copy or modify the product for resale

• Claim the content as your own

• Share download links or membership login credentials

• Use the content to create a competing product

7. Purchases and Payments

Prices are displayed before checkout and may change at any time. You agree to provide complete and accurate billing information and authorize our payment processor to charge the selected payment method.

We may correct pricing mistakes, reject or cancel suspicious orders, and limit purchases when reasonably necessary to prevent fraud or unauthorized distribution.

Any applicable taxes or transaction charges will be disclosed during checkout when required.

8. Digital-Product Refunds

Because digital products are delivered electronically and cannot be physically returned, all digital-product sales are final once the product has been accessed, downloaded, or delivered, except where a refund is required by law.

If you experience a duplicate charge, damaged file, incorrect download, or technical access problem, contact us at [customer-service email] within seven days of purchase. We will make a reasonable effort to correct the issue.

9. Investor Vault Membership

Investor Vault content is available only to customers with an active membership or valid purchase.

If a membership automatically renews, the renewal price and billing schedule will be disclosed at checkout. By enrolling, you authorize recurring charges until the membership is canceled.

You may cancel through your website account or by contacting [customer-service email]. Cancellation stops future renewal charges but does not ordinarily provide a refund for a current or previously billed membership period. Access may remain available until the end of the paid billing period.

We may add, update, replace, or remove membership materials as the service develops. We do not guarantee that any specific resource will remain available permanently.

10. Intellectual Property

The Property Gems name, branding, logo, website design, written content, graphics, downloads, videos, tools, templates, and other original materials are owned by or licensed to Property Gems LLC and are protected by applicable intellectual-property laws.

You may not reproduce, distribute, publish, sell, display, scrape, or commercially exploit our content without prior written permission.

11. Acceptable Use

You agree not to:

• Use the website for unlawful, fraudulent, or abusive purposes

• Attempt to gain unauthorized access to accounts, systems, or restricted content

• Introduce malware, harmful code, or automated attacks

• Copy, scrape, harvest, or extract website content or customer information

• Interfere with website security or normal operation

• Misrepresent your identity or impersonate another person or business

• Use our content in a way that violates intellectual-property or privacy rights

We may suspend or terminate access for conduct that violates these Terms.

12. Affiliate Links and Third-Party Services

Some website content may contain affiliate links. Property Gems LLC may receive a commission when you purchase through an affiliate link, at no additional cost to you.

Our website may also link to third-party websites, property listings, software, lenders, contractors, retailers, or other services. We do not own or control these third parties and are not responsible for their accuracy, security, products, policies, availability, or conduct.

A link or reference does not necessarily constitute an endorsement. You are responsible for reviewing the third party’s terms and privacy practices before making a purchase or providing personal information.

13. Website Availability and Accuracy

We work to provide useful and accurate information, but we do not guarantee that the website or its content will always be complete, current, error-free, uninterrupted, or available.

We may modify, suspend, or discontinue any website feature, product, tool, or service without prior notice. We are not responsible for interruptions caused by maintenance, hosting providers, payment processors, internet failures, cybersecurity events, or circumstances outside our reasonable control.

14. Disclaimer of Warranties

To the fullest extent permitted by law, the website, products, tools, and services are provided “as is” and “as available,” without warranties of any kind, either express or implied.

Property Gems LLC disclaims warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and results.

Some jurisdictions do not allow certain warranty exclusions, so portions of this section may not apply to you.

15. Limitation of Liability

To the fullest extent permitted by law, Property Gems LLC and its owners, employees, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of—or inability to use—the website, products, tools, or services.

This includes losses related to investment decisions, property purchases, missed opportunities, financing, business interruption, lost income, lost data, or reliance on estimates.

Where liability cannot legally be excluded, our total liability will not exceed the amount you paid directly to Property Gems LLC for the product or service giving rise to the claim during the preceding 12 months.

16. Indemnification

You agree to indemnify and hold harmless Property Gems LLC and its owners, employees, contractors, and affiliates from claims, damages, liabilities, costs, and reasonable legal fees arising from your misuse of the website, violation of these Terms, infringement of another party’s rights, or unlawful conduct.

17. Privacy

Your use of the website is also subject to our Privacy Policy. Please review the Privacy Policy to understand how we collect, use, store, and protect personal information.

18. Termination

We may suspend or terminate access to the website, an account, membership content, or digital products if we reasonably believe that you have violated these Terms, engaged in fraud, shared protected content, or threatened the security of the website.

Terms relating to intellectual property, disclaimers, liability, indemnification, and governing law will survive termination.

19. Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Any legal proceeding relating to these Terms will be brought in a court with proper jurisdiction in Pennsylvania, unless applicable consumer law requires otherwise.

20. Changes to These Terms

We may update these Terms periodically. The revised version will be posted on this page with a new “Last Updated” date. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.

21. Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will remain in effect. The invalid provision will be interpreted or modified only to the extent necessary to make it enforceable.

22. Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, and any product-specific terms displayed at checkout, constitute the entire agreement between you and Property Gems LLC regarding use of the website and its services.

23. Contact Information

For questions about these Terms and Conditions, contact:

Property Gems LLC
Website: www.propertygemsllc.com