Terms & Conditions

1. About WealthCre8tives

WealthCre8tives is operated by Michael Garner in Charlotte, NC. Michael is a licensed North Carolina real estate agent (License #348220) affiliated with Keller Williams Ballantyne, and a licensed mortgage loan originator (NMLS #2777419) through Nexa Mortgage, LLC (NMLS #1660690).

2. Age Restriction

You must be at least 18 years of age to use this website or submit any form. Our real estate and mortgage services are available only to adults. By using this website, you confirm that you are 18 or older.

3. SMS Program Description & Messaging Use Cases

By providing your phone number and submitting a form on this website, you consent to receive recurring SMS text messages from WealthCre8tives. Our SMS program is used for the following purposes:

• Responding to real estate and mortgage inquiries
• Appointment scheduling, reminders, and confirmations
• Loan application status updates and document requests
• Home buying or selling process updates
• Promotional messages about WealthCre8tives services and offerings
• Follow-up communications related to your specific inquiry

4. How to Opt Out (Text STOP)

You may opt out of SMS messages at any time by replying STOP to any message you receive from us. Upon receiving your STOP request:

• You will receive one final confirmation text acknowledging your opt-out
• No further SMS messages will be sent to your number
• Opting out does not affect your ability to receive real estate or mortgage services
• You may re-subscribe at any time by contacting us directly

5. Message & Data Rates Disclosure

Message and data rates may apply. The number of messages you receive will vary based on your inquiry and our service relationship. Message frequency is not fixed and depends on the nature of your transaction or inquiry. WealthCre8tives is not responsible for any charges applied by your mobile carrier.

6. Support Contact Information

For help with our SMS program, reply HELP to any message, or contact us directly:

7. Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. WealthCre8tives is not responsible for any issues arising from your mobile carrier's service, network outages, or message delivery failures. Supported carriers include but are not limited to AT&T, Verizon, T-Mobile, Sprint, and other major US carriers.

8. Privacy Policy

Your use of this website and our SMS program is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Our Privacy Policy describes how we collect, use, and protect your personal information, including your SMS opt-in data.

9. No Sharing of SMS Opt-In Data

10. Website Use

You agree to use this website only for lawful purposes. You must not submit false information, attempt unauthorized access, or interfere with the website's operation. We reserve the right to terminate access for violations of these terms.

11. Real Estate Services Disclosure

Michael Garner (NC License #348220) is affiliated with Keller Williams Ballantyne. All real estate services are performed in accordance with North Carolina real estate law and the National Association of Realtors Code of Ethics. Real estate services are available in North Carolina only.

12. Mortgage Services Disclosure

Michael Garner (NMLS #2777419) is a mortgage loan originator through Nexa Mortgage, LLC (NMLS #1660690). Mortgage services are subject to lender approval, credit qualification, and applicable federal and state regulations. This website does not constitute a commitment to lend. Rates and terms are subject to change.

13. No Legal or Financial Advice

Information on this website is for general informational purposes only. Nothing on this site constitutes legal, financial, tax, or investment advice. Consult qualified professionals before making real estate or financial decisions.

14. Intellectual Property

All content on this website — including text, images, logos, and design — is owned by WealthCre8tives or its licensors. Reproduction or distribution without written permission is prohibited.

15. Limitation of Liability

To the fullest extent permitted by law, WealthCre8tives and Michael Garner shall not be liable for indirect, incidental, or consequential damages arising from use of this website or our services.

16. Governing Law

These Terms are governed by the laws of the State of North Carolina. Disputes shall be resolved in Mecklenburg County, North Carolina.

17. Changes to These Terms

We reserve the right to update these Terms at any time. Changes take effect upon posting. Continued use of the website constitutes acceptance of updated terms.

18. Contact