Terms and Conditions
Humble Heart
By CJ Silvas, CPA
Effective date: October 12, 2026
About Humble Heart
Humble Heart is an educational service created by CJ Silvas, CPA. We teach people how to manage their money, plan for a home, protect their family, start, grow, and buy a business, plan for taxes, and understand the basics of investing. We provide courses, free resources, templates, and guidance that you use yourself.
Humble Heart SMS Program
Humble Heart sends text messages to people who opt in through our website forms. Messages may include delivery of free resources you requested, reminders about classes and events, responses to your questions, customer support, and offers related to our money management education. Message frequency varies.
Opting out. You can stop text messages at any time. Reply STOP. We will send one message confirming you are unsubscribed, and you will not receive more texts from us. To rejoin, sign up again the same way you did the first time.
Help. Reply HELP for help, or email [email protected].
Message and data rates. Message and data rates may apply for messages we send to you and messages you send to us. Message frequency varies. For questions about your text or data plan, contact your wireless provider.
Carrier disclaimer. Carriers are not liable for delayed or undelivered messages.
Consent is not required to buy. Agreeing to receive text messages is not a condition of any purchase.
Privacy. See our Privacy Policy: https://humbleheart.life/privacy-policy
Industry standards. We follow applicable industry guidelines for text messaging, including CTIA best practices, and the Telephone Consumer Protection Act (TCPA).
Education Only
Our courses, templates, and resources are for education. You decide what steps to take, and you take them yourself. We do not act on your behalf with any company or agency.
No Guarantees
We do not promise or guarantee any result, including any amount of savings, tax savings, or investment return. Results depend on your own situation and actions, and they vary from person to person.
Not Legal, Tax, Financial, or Investment Advice
General information we share is not legal advice, personalized tax advice, or personalized financial or investment advice. CJ Silvas is a licensed CPA, but buying a course or using our free resources does not create a CPA and client relationship. Tax preparation or personalized tax services are offered only under a separate written engagement.
CJ Silvas is not a licensed investment adviser or broker. Our investing lessons are general education only. We do not recommend specific investments, and nothing we share is an offer to buy or sell any investment. Our life insurance lessons are general education, not a recommendation of any policy.
Results Disclaimer
When we talk about starting, growing, or buying a business, or about investing, we are describing ideas and general education, not promising results. Any examples are not typical and are not a guarantee of any outcome. Your results depend on your effort, skills, and circumstances.
Purchases and Refunds
Prices and what each course includes are shown at checkout. We do not currently sell paid products. Refund terms will be posted with any paid product before purchase.
Your Account and Content
Course materials are for your personal use. Please do not copy, resell, or share them without our permission.
Age Requirement
You must be at least 18 years old to use our services or opt in to text messages.
Limitation of Liability
To the fullest extent allowed by law, Humble Heart and CJ Silvas are not liable for indirect or consequential damages arising from your use of our website, courses, or resources.
Governing Law
These terms are governed by the laws of the State of Texas.
Changes
We may update these terms from time to time. The latest version, with its effective date, will always be on this page.
Contact
Humble Heart
CJ Silvas, CPA
Email: [email protected]
Phone: (409) 515-7774
Mailing address: 1907 Silver Point Ct, Friendswood, TX 77546