Terms of Service

Last updated: April 20, 2026

These Terms of Service govern your access to and use of FrankandSherri.com, my.frankandsherri.com, and any related pages, products, services, memberships, trainings, courses, downloads, communities, recordings, and digital tools offered under the Frank and Sherri brand.

FrankandSherri.com education and related offerings are operated under the umbrella of Cardiff Cove Management, LLC, organized in Wyoming and headquartered in Florida.

By accessing this website, purchasing from us, joining a membership, creating an account, or using any of our programs, you agree to these Terms of Service. If you do not agree, please do not use our websites, products, or services.

1. Eligibility and Accounts

You must be at least 18 years old and legally able to enter into a binding agreement to use our websites, products, or services.

If you create an account, you are responsible for maintaining the confidentiality of your login information and for all activity that occurs under your account. You agree to provide accurate, current, and complete information and to update it when necessary.

2. Products, Programs, Memberships, and Digital Tools

We offer educational products and services, which may include online courses, memberships, live and recorded training, webinars, Q&A sessions, forms, worksheets, templates, digital tools, and decision-support applications.

We may update, revise, replace, improve, discontinue, or remove features, products, content, or services at any time, with or without notice.

3. Payments, Orders, and Billing

By placing an order, you agree to provide current, complete, and accurate purchase and billing information. You authorize us and our payment processors to charge your selected payment method for the applicable amount, including any recurring charges you have agreed to.

We reserve the right to refuse, limit, cancel, or decline any order at our discretion, including where we suspect fraud, misuse, unauthorized resale, duplicate purchases, or conduct that violates these Terms.

4. Memberships and Recurring Billing

If you purchase a subscription or recurring membership, you authorize recurring charges to your payment method at the frequency disclosed at checkout until you cancel or the subscription otherwise ends.

Unless otherwise stated, recurring memberships continue until canceled. If you cancel, your access may continue through the end of the paid billing period, unless otherwise stated at checkout or required by law.

We may suspend or terminate membership access for failed payments, chargebacks, abuse, unauthorized sharing, or violation of these Terms.

5. Refund Policy

Refunds, cancellations, and product-specific refund rules are governed by our separate Refund Policy, which is incorporated into these Terms by reference.

6. Educational Purpose Only; No Guarantee of Results

All programs, trainings, memberships, materials, and digital tools are provided for educational and informational purposes only.

We do not guarantee that you will buy a property, obtain residents, secure funding, achieve profitability, obtain accreditation, or build a business within any specific timeframe.

Your results depend on many factors, including your effort, implementation, market conditions, property choice, financial resources, local regulations, and business decisions.

7. No Legal, Medical, Financial, Tax, or Professional Advice

Nothing on our websites, in our courses, in our memberships, in our communities, in our digital tools, or in our communications should be considered legal, medical, tax, financial, accounting, appraisal, lending, brokerage, inspection, regulatory, or other professional advice specific to your situation.

You are responsible for obtaining your own professional advice and conducting your own due diligence before making business, legal, medical, real estate, or financial decisions.

8. Decision-Support Tool Disclaimer

Any property evaluation app, score, analyzer, framework, worksheet, checklist, or similar tool we provide is a screening and decision-support resource only.

It is only one part of the overall decision-making process and does not replace due diligence or the advice of your appraiser, realtor, inspector, attorney, lender, accountant, or other professionals.

9. Intellectual Property Rights

All content on our websites and in our products and services is owned by Cardiff Cove Management, LLC and/or its licensors and is protected by copyright, trademark, and other intellectual property laws.

This includes, without limitation, our course materials, videos, audio recordings, webinars, slide decks, downloads, frameworks, worksheets, forms, templates, checklists, designs, graphics, branding, website content, written materials, music, songs, training recordings, and other original content.

All recordings, writings, and songs are copyrighted.

“Kate’s House Foundation” and “Shared Housing Solutions” are protected trademarks and may not be used without permission.

10. Limited License; No Sharing or Resale

When you purchase or access our content, you receive a limited, personal, non-exclusive, non-transferable, revocable license to use it for your own internal educational use only.

You may not copy, reproduce, republish, upload, post, distribute, sell, sublicense, rent, share, display, transmit, modify, create derivative works from, or exploit our content, in whole or in part, without our prior written permission.

You may not share your login, membership access, course materials, recordings, downloads, or digital tools with others. You may not remove copyright or proprietary notices from any materials.

11. Prohibited Conduct

You agree not to:

Use the site or our products for any unlawful purpose
Interfere with the operation or security of the site
Attempt unauthorized access to accounts, systems, or data
Scrape, harvest, reverse engineer, or reproduce our content or tools
Share access credentials or purchased materials with others
Misrepresent your identity or affiliation
Use our trademarks, service names, course names, copyrighted content, or brand assets without permission

12. Community Standards

If you participate in any private group, membership, forum, live call, webinar, training chat, or community connected to our business, you agree to act respectfully and lawfully.

We reserve the right to remove access to any group, membership, community, or bonus resource if your conduct is disruptive, abusive, defamatory, threatening, infringing, misleading, unlawful, or otherwise inconsistent with the integrity of our programs or community.

13. Third-Party Services and Links

Our sites and services may include third-party tools, processors, embeds, links, apps, scheduling tools, payment services, or platforms. We are not responsible for the content, policies, availability, or practices of third-party services.

14. Disclaimers

Our websites, products, memberships, programs, and services are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, to the fullest extent permitted by law.

We disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty that the site or services will be uninterrupted, error-free, or secure.

15. Limitation of Liability

To the fullest extent permitted by law, Cardiff Cove Management, LLC, Frank and Sherri Candelario, Ph.D., and their affiliates, officers, managers, members, employees, agents, contractors, licensors, and service providers shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to your use of the site, your purchase or use of any product or service, or your reliance on any content or tool.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the site, products, or services shall not exceed the amount you paid to us for the specific product or service giving rise to the claim during the twelve (12) months preceding the event giving rise to the claim.

16. Indemnification

You agree to indemnify, defend, and hold harmless Cardiff Cove Management, LLC, Frank and Sherri Candelario, Ph.D., and their affiliates, officers, managers, members, employees, agents, contractors, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your violation of these Terms, your misuse of the site or services, or your infringement of any rights of another party.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any choice or conflict of law provision or rule that would cause the application of the laws of any other jurisdiction.

18. Dispute Resolution

If a dispute arises out of or relates to these Terms, your use of the site, or any purchase, product, membership, or service, and the dispute cannot be resolved through direct discussion, the parties will first endeavor to settle the dispute in an amicable manner within thirty (30) days from a written demand for mediation, by mediation in Sarasota, Florida administered by the American Arbitration Association under its then-prevailing Commercial Mediation Rules, before resorting to arbitration.

Thereafter, each and every unresolved controversy or claim arising out of or relating to these Terms shall be resolved by arbitration in Sarasota, Florida in accordance with the rules of the American Arbitration Association then in effect.

The arbitrator shall have the authority to order relief deemed proper under the circumstances, except that the arbitrator shall have no authority to award exemplary or punitive damages. Each party shall bear its own attorneys’ fees and related costs unless otherwise required by law.

Any arbitration decision shall be final and binding, and judgment may be entered in any court having jurisdiction.

19. Suspension and Termination

We may suspend, restrict, or terminate your access to the site, your account, a product, a membership, a community, or a digital tool at any time if we believe you have violated these Terms, failed to pay, engaged in misuse, infringement, fraud, harassment, unauthorized sharing, or otherwise created risk for our business, community, or systems.

20. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the “Last updated” date at the top of this page. Your continued use of the site or services after changes are posted means you accept the revised Terms.

21. Contact Information

If you have questions about these Terms of Service, please contact:

Cardiff Cove Management, LLC
Frank and Sherri Candelario, Ph.D.
frankandsherri@sharedhousingsolutions.com
(206) 743-5649
971 Virginia Avenue, Suite F
Palm Harbor, FL 34683