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Terms and Conditions

Effective Date: [May 9, 2025]
Last Updated: [May 9, 2025]

Agreement to Terms

By accessing and using ADevilsKiss.com (“the Website,” “our Service”), you accept and agree to be bound by the terms and provision of this agreement.

1. Use License

Permitted Use:

  • Personal, non-commercial use of the website
  • Browsing and purchasing products/services as intended
  • Creating an account with accurate information

Prohibited Use:

  • Commercial use without written permission
  • Attempting to gain unauthorized access to our systems
  • Uploading malicious code or viruses
  • Harassing other users or our staff
  • Violating any applicable laws or regulations

2. User Accounts

Account Creation:

  • You must provide accurate and complete information
  • You are responsible for maintaining account security
  • You must be at least 18 years old to create an account
  • One account per person/entity

Account Termination:

  • You may terminate your account at any time
  • We reserve the right to suspend or terminate accounts for violations
  • Termination does not relieve you of payment obligations

3. Products and Services

Product Information:

  • We strive for accuracy but cannot guarantee all details are error-free
  • Prices and availability subject to change without notice
  • Product images are for illustration purposes and may vary from actual items

Orders and Payment:

  • All orders subject to acceptance and availability
  • Payment must be received before order fulfillment
  • We reserve the right to refuse or cancel orders

4. Pricing and Payment

Pricing:

  • All prices listed in [Currency] unless otherwise specified
  • Prices do not include applicable taxes, shipping, or handling fees
  • We reserve the right to change prices at any time

Payment Terms:

  • Payment due at time of order
  • We accept [list payment methods]
  • Refunds processed according to our Return Policy

5. Shipping and Delivery

Shipping:

  • Delivery times are estimates and not guaranteed
  • Risk of loss transfers upon delivery to carrier
  • International shipping may be subject to customs delays and fees

6. Returns and Refunds

Return Policy:

  • Returns accepted within [X] days of delivery
  • Items must be in original condition
  • Customer responsible for return shipping costs unless item is defective
  • Refunds processed within [X] business days of receiving returned item

7. Intellectual Property Rights

Our Content:

  • All website content is owned by ADevilsKiss.com or licensed to us
  • Protected by copyright, trademark, and other intellectual property laws
  • You may not reproduce, distribute, or create derivative works without permission

User Content:

  • You retain ownership of content you submit
  • You grant us license to use, modify, and display your content
  • You represent that you have rights to submit the content

8. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

9. Disclaimers

Website Availability:

  • Service provided “as is” and “as available”
  • We do not guarantee uninterrupted or error-free service
  • Maintenance and updates may cause temporary unavailability

Product Disclaimers:

  • Products sold without warranty beyond manufacturer’s warranty
  • We disclaim all implied warranties of merchantability and fitness for purpose

10. Limitation of Liability

To the maximum extent permitted by law:

  • Our liability is limited to the amount you paid for products/services
  • We are not liable for indirect, incidental, or consequential damages
  • Some jurisdictions do not allow liability limitations, so these may not apply to you

11. Indemnification

You agree to indemnify and hold harmless ADevilsKiss.com from any claims, damages, or expenses arising from:

  • Your use of the website
  • Your violation of these terms
  • Your violation of any third-party rights

12. Governing Law

These terms are governed by the laws of [Jurisdiction] without regard to conflict of law principles. Any disputes will be resolved in the courts of [Jurisdiction].

13. Dispute Resolution

Informal Resolution:

Formal Resolution:

  • Disputes resolved through binding arbitration
  • Class action lawsuits are waived
  • Small claims court remains available for qualifying disputes

14. Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

15. Severability

If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.

16. Changes to Terms

Modifications:

  • We reserve the right to modify these terms at any time
  • Changes effective immediately upon posting
  • Continued use constitutes acceptance of modified terms
  • Material changes will be communicated via email or website notice

17. Contact Information

Questions about these Terms:

  • Email:Kellie@ADevilsKiss.com
  • Phone: 484-441-3213

18. Entire Agreement

These Terms and Conditions, along with our Privacy Policy and any other legal notices published on this website, constitute the entire agreement between you and ADevilsKiss.com.

Acknowledgment: By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

For questions or concerns regarding these terms, please contact our legal department at Kellie@ADevilsKiss.com

Return Authorization

Kim Tillinghast

Principal, Partner

Kim Tillinghast began her career in the banking industry in 1985. She graduated with a degree in Finance from West Texas State University in 1990 and has continued her education by earning her Series 24 General Securities Principal Exam and Certified Plan Fiduciary Advisor (CPFA™). Shortly thereafter she started her brokerage career at a traditional wirehouse in downtown Los Angeles, California in 1991. After relocating to Orange County, Kim became an independent financial advisor in May of 1993. She brings over 37 years in the banking and finance industry with experience ranging from designing, developing, employing and maintaining complex investment strategies, Pension Plans, Employee Stock Option Plans, Corporate Finance, Estate Planning and Transition. Outside of her career, she served as Co-Chair of the Dallas County Susan G. Komen Race for the Cure 2013 and 2014 and currently serves on the Board of the Tillinghast Society, Inc. With a deep love for animals, she continues to volunteer for multiple emergency animal response teams including Red Rover, HSUS, UAN, ASPCA and volunteers weekly at the Irving Animal Shelter. Kim also loves worldwide adventure travel and has many amazing experiences visiting almost half of the world’s countries and all seven continents, twice.

Karthik Muraliraj

CFP®, ChFC®, CLU®, RMA®, Partner

Karthik Muraliraj was raised in Fort Worth, Texas, and developed an interest in investing and economics at a young age. After graduating from the University of Texas at Austin with a Bachelor of Arts in Economics and a minor in Business, he started his career as a financial professional in 2008. Throughout his career, Karthik has continued to educate himself by gaining multiple designations. Since moving to Dallas, he has been an active member in the community—volunteering with organizations such as the network of Indian Professionals, Dallas Autumn Ball and Reading Partners. Karthik is an avid sports fan and enjoys supporting his alma mater as a proud member of the Texas Exes Dallas Chapter. In his free time, Karthik enjoys cooking, travel, fitness and spending time with this wife, son, dog, and cat.

Crystal Arredondo

MBA, CDFA®, CPFA™, Partner

Crystal Arredondo was born and raised in Germany. She moved to Texas following her parents’ decision to retire after serving an overseas career in the Armed Forces. Seeing firsthand the difficult transition to civilian life after retirement, Crystal obtained her MBA in Finance at the University of North Texas and began her career as a financial advisor. In 2009, she completed the Retirement Planning Specialist Program at the Wharton School of Business, University of Pennsylvania. In 2018, she earned her designation of Certified Divorce Financial Analyst® (CDFA®). In 2022, she earned the additional designation as a Certified Plan Fiduciary Advisor (CPFA™). As the daughter of an immigrant mother, she especially enjoys helping women and business owners make decisions that affect their financial independence. She served as the 2015-16 Chair for the National Association of Women Business Owners (NAWBO) and 2016-17 Chair for the NAWBO Institute of Entrepreneurial Development.

Philip Strunk

CFP®, CPA, Partner

Philip Strunk is a native of Houston, TX. Philip earned his Bachelor of Business Administration and Masters in Professional Accounting from the University of Texas at Austin’s McCombs School of Business. He earned his designation as Certified Public Accountant (CPA) in 2004 and CERTIFIED FINANCIAL PLANNER (TM) certification in 2010. Having started his career with Deloitte & Touche, LLP in 2005, Philip spent a year and a half in Deloitte’s Audit and Assurance Services group and provided a variety of financial services for a number of Fortune 500 companies. He decided in late 2006 that his talent and passion for investments were best suited for working with smaller groups and individuals. After obtaining the required securities registrations and insurance licenses, Philip became a financial advisor. The impact was plainly visible and more fulfilling. Philip serves as the Investment Director for MPACT.

John C. Farris

CAP®, CFS®, Partner

John C. Farris is a founding partner and has more than forty years in both public and private business serving in a variety of management and leadership capacities. John completed the Retirement Planning Specialist Program at the Wharton School of Business at the University of Pennsylvania earning the Retirement Planning Specialist designation. John and his family have a history of philanthropic giving through numerous non-profit organizations. John recently completed his designation as a Chartered Advisor in Philanthropy® (CAP®). He is also a member of The International Association of Advisors in Philanthropy. His primary goal is to help people give intelligently with love and thereby experience the true joy of helping others. John lives in Park Cities and has served on the Public Works Advisory Council, as finance director of the BSA West Park District, the BSA Troop 82 Executive Board, and as a BSA Assistant Scoutmaster for Troop 82, Dallas, Texas.