Legal
Truth In Equity
A wholly-owned subsidiary of IFS Development Group, LLC
Last updated: August 17, 2026
These Terms govern your use of truthinequity.com, creditlinebanking.com, our customer system at crm.truthinequity.com, and anything you buy from us. By using our sites or buying from us, you agree to them. If you do not agree, please do not use the sites.
Please read the Arbitration section below. It affects how any dispute between us is resolved.
Truth In Equity provides financial education and consulting on managing existing mortgage and consumer debt.
We are not, and we do not act as:
We do not originate, service, broker or arrange loans. We do not sell securities or investment products. We do not negotiate with your creditors on your behalf, and we do not take custody of your money.
Nothing on our sites, in our materials, or in our consulting is an offer of credit, an offer of securities, investment advice, tax advice, or legal advice. Decisions about your own money remain yours. We encourage you to consult a licensed professional in the relevant field before acting.
Our materials explain a method for managing debt using ordinary arithmetic applied to your own numbers.
We do not guarantee any outcome. Any figure, timeline, example or illustration — on our sites, in our materials, in a calculator, or in a consultation — is an illustration based on the inputs given, not a promise, projection, or guarantee.
What actually happens depends on things outside our control, including your income, your expenses, your discipline in following the method, the credit available to you, the terms your lenders offer, interest rates, and your personal circumstances. Individual results vary, and some people will not achieve the results shown in any example.
Any testimonial reflects that person's own experience and is not a representation that you will have the same one.
Our calculators and profile analyses produce results from the information you enter. We do not verify it. If your inputs are wrong, the output will be wrong.
They are provided as tools for your own understanding. They are not an appraisal, an underwriting decision, a loan offer, or professional advice.
Digital products — including the DIY Credit Line Banking Handbook — are delivered electronically, by a download link sent to the email address you provide. You are responsible for giving us a working email address. Access is granted immediately on payment.
Digital products are non-refundable. Because the material is delivered and accessible at once, all sales of digital products are final.
Refunds apply only to our full consulting programme, and only where that programme was arranged by a Truth In Equity broker under a signed written contract. Those refunds are governed by our Money-Back Guarantee, which sets out the conditions and the period in which a request must be made. The Money-Back Guarantee document controls; nothing in these Terms extends or limits it.
Consulting services are governed by the separate written agreement you sign at the time of purchase. Where that agreement and these Terms conflict, the signed agreement controls.
Prices are shown in US dollars and may change. The price shown at the time of your purchase is the price that applies to it.
All content on our sites and in our products — text, images, calculators, methods, worksheets, handbooks, video and audio — is owned by Truth In Equity or IFS Development Group, LLC, or used under licence, and is protected by copyright.
Truth In Equity® is a registered trademark. Credit Line Banking™, Equity Advantage™, Professional Blend™ and Executive Choice™ are trademarks of Truth In Equity.
When you buy a product from us, you get a personal, non-transferable licence to use it yourself. You may not:
Our digital products are watermarked with the purchaser's details. A copy found in circulation can be traced to the account that bought it.
If you create an account, keep your login details to yourself and tell us promptly if you believe someone else has used them. You are responsible for activity under your account.
Do not attempt to access parts of our systems you are not authorised to use, probe or scan them, interfere with their operation, or use automated tools to extract data from them.
We may suspend or close an account that breaches these Terms, that we reasonably believe is being used fraudulently, or where required by law.
Our sites link to and rely on services we do not control — payment processing, hosting, analytics, and others named in our Privacy Statement. We are not responsible for their content, their practices, or their availability.
Our sites and materials are provided "as is" and "as available." We do not warrant that they will be uninterrupted, error-free, or free of harmful components, or that any information in them is complete, current or accurate for your situation.
To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, Truth In Equity and IFS Development Group, LLC will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost savings, or lost data, arising from your use of our sites, materials or services — even if we have been advised such damages are possible.
Our total liability for any claim will not exceed the amount you paid us in the twelve months before the claim arose.
Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
You agree to indemnify Truth In Equity and IFS Development Group, LLC against any claim arising from your breach of these Terms, your misuse of our sites or materials, or your violation of any law or third-party right.
Please read this section carefully. It affects your legal rights.
Any dispute between you and Truth In Equity arising out of or relating to these Terms, our sites, our materials, or anything you buy from us will be resolved by binding individual arbitration, rather than in court, except as set out below.
How it works. Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, and will take place in the State of Florida or, at your election, remotely or in the county where you live. The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction.
Class action waiver. You and Truth In Equity each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of representative proceeding.
What is excluded. Either of us may bring an individual claim in small claims court if it qualifies. Either of us may also seek injunctive relief in court to protect intellectual property or to stop unauthorised access to our systems.
Your right to opt out. You may opt out of this arbitration agreement by sending written notice to [email protected], or to the postal address below, within 30 days of first accepting these Terms. Your notice must state your name, the email address associated with your account, and that you wish to opt out of arbitration. Opting out will not affect any other part of these Terms, and will not affect your relationship with us in any way.
If the class action waiver is found unenforceable, the whole of this Arbitration section is void, and any dispute will be resolved in the courts identified below.
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules.
Subject to the Arbitration section above, any dispute not resolved by arbitration will be brought exclusively in the state or federal courts located in the State of Florida, and you consent to the jurisdiction of those courts.
We may update these Terms. The date at the top shows when they last changed. Continuing to use our sites after a change means you accept the updated Terms.
If any provision is found unenforceable, the rest remains in force, and that provision will be applied as closely as possible to its intended meaning.
Truth In Equity
A wholly-owned subsidiary of IFS Development Group, LLC
Email: [email protected]
Telephone: 727.505.4775
Post: 2715 Buffalo Trail, Morristown, TN 37814
See also our Privacy Statement.