Terms of use
These terms govern statingitreal.com, including the podcast, the blog, and The REal Circle. By using the site or joining the community, you accept them.
Free content
Podcast episodes and blog essays are free to read, listen to, share, and link. Quote short passages with attribution and a link. Do not republish entire essays, feed my content into a paid product, or present it as your own.
Podcast
Episodes are conversations and opinions as of their recording date, offered for education. Guests speak for themselves; hosting someone is not an endorsement of everything they do or sell. Any sponsorship or compensated mention is disclosed in the episode.
The REal Circle membership terms
The REal Circle is a paid mastermind community: a weekly live call, hot seats where real deals get underwritten on screen, a private community between calls, and a copy of The REbuild included.
Billing and renewal
Refunds on membership
The first month is refundable in full if you attend a call and it is not for you: email me within 14 days of your first charge. After that, monthly payments are not refundable, because you have had access to the calls and the room. Annual plans may be refunded pro rata within the first 30 days.
What membership is and is not
It is coaching and education among peers. It is not an investment club, a syndication, a securities offering, a broker-dealer, or an advisory service. No deal presented in a hot seat is an offer to sell you anything, and I do not vet the deals or the people bringing them. Any partnership, investment, or transaction you enter with another member is entirely between you and them, at your own risk and after your own diligence.
Community conduct
- What is shared in a hot seat stays in the room. Do not record, screenshot, or repost another member’s deal, numbers, or story.
- No pitching, soliciting, or selling to members without my written permission.
- No harassment, discrimination, or abuse. One warning at most, then removal.
- No sharing your seat. One person per membership; do not pass the call link along.
- Give real advice or none. Confident answers about things you have never done cause real damage in a room like this.
I may remove a member for a conduct violation. Removal for cause forfeits the remainder of the current period; removal without cause is refunded pro rata.
Recordings
Calls may be recorded so members can catch up. By attending you consent to being recorded. Tell me before a call if you would rather not appear and I will keep you off camera, or you can attend with video off. Recordings stay inside the community and are never sold or made public.
What I promise, and what I do not
I promise a call every week, my honest read on your numbers, and that I am still operating what I teach. I do not promise you will find a deal, close one, raise capital, or make money. Read the disclaimers below before you join.
Disclaimers: education, not advice
Read this first. Everything on this site and in the materials sold or given away here is general educational content about business, real estate, and operations. It is not investment, financial, legal, tax, accounting, insurance, or brokerage advice, and it is not a recommendation to buy or sell any property, security, or business.
I am an operator writing about what I have done, not a licensed financial adviser, attorney, CPA, or real estate broker. Nothing here creates an adviser, fiduciary, attorney-client, or agency relationship between us. Before you act on anything you read, consult professionals licensed in your jurisdiction who can look at your actual situation.
Numbers are illustrative
Every figure used to explain a formula or framework is illustrative and rounded for teaching. Real deals, markets, rates, expenses, and tax outcomes differ, sometimes dramatically. Where I describe my own transactions, I describe them as they happened to me, under conditions that will not repeat identically for anyone else.
No earnings or results promise
I make no promise, guarantee, or projection of income, profit, appreciation, occupancy, returns, or business success. Real estate and business involve substantial risk, including the total loss of invested capital. Leverage magnifies losses as well as gains. Past performance, mine or anyone else’s, does not predict future results.
Any testimonial, review, case study, or success story reflects one person’s experience and is not typical, expected, or guaranteed. Individual results depend on skill, capital, market conditions, effort, timing, and factors nobody controls.
Tax and legal content
Sections covering depreciation, cost segregation, bonus depreciation, entity structure, holding companies, trusts, vehicle deductions, and similar topics are simplified explanations of general concepts. Tax law and its interpretation change, vary by state and by taxpayer, and depend on facts I do not know about you. Retain a qualified CPA and attorney before relying on any of it.
Third-party content and links
Links to other sites, tools, software, or services are provided for convenience. I do not control them, do not endorse everything on them, and am not responsible for their content, security, pricing, or practices. Where I mention a product I use, I say so; where a relationship is compensated, I disclose it.
Forward-looking statements
Statements about market conditions, interest rates, supply, demand, or the future of any asset class are opinions as of the date written. They are not predictions you should underwrite against, and I do not update them as conditions change.
Privacy policy
This policy explains what statingitreal.com collects, why, who sees it, and what you can do about it. It applies to this site and to any product or communication delivered through it. The short version: I collect the minimum needed to sell a book, run a community, answer email, and keep the site working. I do not sell your personal information.
What I collect
What I do not collect
- Payment card numbers. Card data goes to the processor and never touches my servers.
- Sensitive categories: I do not ask for government identifiers, health data, biometrics, precise geolocation, or financial account numbers.
- Information about children. This site is not directed to anyone under 16, and I do not knowingly collect their information. If you believe a child has given me information, write to me and I will delete it.
Why I use it
- To deliver what you asked for: the free edition, the paid manual, community access, or a reply to your email.
- To create and secure your account and to send a one-time password-setup or reset link.
- To process payments and honor refunds through the payment processor.
- To send you product updates, new editions, and, if you opted in, occasional emails about what I am building. Every one of them has an unsubscribe link that works.
- To keep the site up, prevent fraud and abuse, and comply with law.
Who else is involved
I keep the vendor list short and use each only for its stated purpose:
I do not sell your personal information, and I do not share it for cross-context behavioral advertising. I do not rent, trade, or hand over lists. Information is disclosed only to the vendors above, to comply with a lawful legal demand, to protect against fraud or harm, or in connection with a business transfer, in which case this policy travels with the data.
How long I keep it
Purchase and tax records for as long as the law requires, generally seven years. Account records for as long as your account is active, plus a reasonable period afterward. Email list entries until you unsubscribe. Server logs for a short operational window. Free-edition requests until you ask me to remove them.
Your rights
Wherever you live, you can write to me and ask what I hold about you, ask me to correct it, ask me to delete it, ask for a copy, or tell me to stop emailing you. I will not discriminate against you for asking.
If you are in California, the CCPA as amended by the CPRA gives you the right to know, delete, correct, and opt out of sale or sharing. I do not sell or share personal information as those terms are defined, so there is nothing to opt out of, but the other rights apply and you may use an authorized agent.
If you are in the EEA, the UK, or Switzerland, the GDPR gives you rights of access, rectification, erasure, restriction, portability, and objection, and the right to complain to your supervisory authority. My lawful bases are: performance of a contract to deliver what you bought, legitimate interests in site security and understanding readership, consent for marketing email which you can withdraw at any time, and legal obligation for tax records. Data may be processed in the United States; where required I rely on standard contractual clauses with vendors.
To exercise any right, email chris@chriskirkman.com with what you want. I answer my own inbox and will respond within the time the applicable law allows, generally 30 to 45 days.
Security, honestly stated
Passwords are hashed, payment webhooks are cryptographically verified, member content sits behind a server-side session check, and secrets are kept out of the pages you can view. No system is perfectly secure, and I will not pretend otherwise. If a breach affects you, I will notify you as the law requires.
Do Not Track and global privacy signals
This site does not run cross-site advertising trackers, so there is nothing for a Do Not Track or Global Privacy Control signal to switch off. I will keep it that way.
Community-specific note
If you join The REal Circle, the community platform and video service process your name, email, and participation under their own privacy policies. Anything you post in the community is visible to other members; treat it as semi-public and share only what you are comfortable sharing.
Intellectual property and your license
All text, diagrams, formulas as presented, worksheets, checklists, photographs, logos, page designs, and code on statingitreal.com are original works owned by Kirkman & Company LLC or by Chris Kirkman personally, protected by copyright and trademark law. The names The REbuild, The REal Circle, Stating It Real, StorPlus, and Finlistic, along with their logos, are marks used in commerce and may not be used without written permission.
What you may do
When you buy a product here, you get a personal, non-exclusive, non-transferable license to read it, print it for your own use, and apply every framework in it inside your own business, forever. Apply the systems commercially all you want; that is the entire point of the book.
- Read it on your own devices.
- Print worksheets and checklists for your own operations.
- Quote short passages with attribution, as fair use allows.
- Use the frameworks, formulas, and checklists to run your own deals and teams.
What you may not do
- Share, resell, sublicense, gift, or post your copy, your account, or your download links.
- Upload the material to a file-sharing service, course platform, AI training corpus, or group chat.
- Reproduce substantial portions in your own book, course, newsletter, or coaching material, with or without credit.
- Remove copyright notices, or use my name, likeness, or marks to imply endorsement of your product.
- Scrape the site or use automated tools to bulk-copy its content.
Accounts are for one person. Sharing credentials or distributing the material terminates your license without refund, and I reserve every remedy the law provides. If your team needs multiple seats, email me and I will make it easy.
Your content
Anything you send me, community posts, questions, feedback, or a photo of your own deal, remains yours. By sending it you give me permission to use it to answer you and, if you clearly agree in writing, to quote it publicly. I will never publish your name or details from a private message without asking first.
Acceptable use
Simple standard: do not do anything here that damages other people, the site, or my ability to keep running it.
- No attempts to breach, probe, overload, or reverse-engineer the site, its accounts, or its payment flow.
- No scraping, crawling for bulk copying, or automated account creation.
- No uploading malware, or using any form or email channel to send spam or phishing.
- No harassment, threats, hate, or discriminatory abuse toward me, staff, members, or guests, on any surface I operate.
- No impersonation, and no using the site for anything unlawful, including securities offerings, unlicensed brokerage, or fraud.
I may suspend or terminate access for a violation, with or without notice, and report unlawful conduct to the authorities.
Copyright complaints (DMCA)
I respect copyright and expect the same. If you believe material on a site I operate infringes your copyright, send a written notice that includes: your signature, physical or electronic; identification of the work; identification of the material and where it sits; your contact information; a statement that you have a good-faith belief the use is unauthorized; and a statement, under penalty of perjury, that your notice is accurate and you are the owner or authorized to act.
Send notices to chris@chriskirkman.com with “DMCA Notice” in the subject. I will investigate and, where appropriate, remove the material. If your material was removed by mistake, you may send a counter-notice with the corresponding statements and I will restore it as the statute allows.
Knowingly filing a false notice carries liability. Please be certain before you send one.
Accessibility statement
These sites are built to meet WCAG 2.1 Level AA, because a manual nobody can read is not a manual. In practice that means real semantic structure, keyboard reachability with visible focus rings, alternative text on meaningful images, text contrast checked against the 4.5 to 1 threshold, respect for the reduced-motion preference so animation can be switched off from your operating system, adjustable text size in the reader, and no essential information carried by color alone.
I test with keyboard navigation and contrast tooling and fix what I find. If something blocks you, that is a defect I want to know about. Email me the page and what happened, and I will fix it and reply with what changed. If a fix will take time, I will offer the same content in a format that works for you in the meantime.
Governing law, disputes, and limits
These terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. The exclusive venue for any dispute is the state or federal courts located in Orange County, California, and you and I consent to that jurisdiction.
Talk to me first
Before filing anything, email chris@chriskirkman.com with the problem and what you want. Nearly everything, refunds included, gets solved in one message. Please give me 30 days to resolve it before escalating.
Limitation of liability
To the fullest extent the law allows, my total liability for any claim arising out of these sites or products is limited to the greater of the amount you actually paid me in the twelve months before the claim, or one hundred dollars. I am not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost deals, lost data, or business interruption, even if warned they were possible.
Some jurisdictions do not allow certain exclusions, so parts of this may not apply to you. Nothing here limits liability for fraud, willful misconduct, or anything that cannot be limited by law.
No warranties
The sites and materials are provided as they are, without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. I do not warrant uninterrupted or error-free operation. I do warrant that I wrote it honestly.
Indemnity
You agree to indemnify and hold harmless Chris Kirkman and Kirkman & Company LLC from claims arising out of your misuse of the sites or materials, your breach of these terms, or your own business decisions.
Severability and entire agreement
If any provision is held unenforceable, the rest stays in force. These terms, together with any order confirmation, are the entire agreement between us on this subject, and they replace any earlier statement or understanding.
Changes and how to reach me
I will update these pages as the business changes. The effective date at the top always tells you which version you are reading. Material changes get a notice on the site and, for account holders, an email. Continuing to use statingitreal.com after a change means you accept the updated terms.
One honest note. These pages were drafted carefully to describe exactly how these sites actually work, but I am not an attorney and this is not legal advice to you. If you are copying this structure for your own business, have a lawyer review it against your facts.
Something here unclear? Ask me.
I wrote these pages myself and I answer my own inbox. If a term seems unfair or a policy does not match your experience, tell me and I will fix the page or fix the problem.
Email chris@chriskirkman.com