Terms of Service

Effective Date: July 6th 2024

1. Acceptance of Terms

By accessing and using the services provided by iCreativeFintechs/iCreativeCanvas (“we,” “our,” or “us”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you should not use our services.

2. Services Provided

iCreativeFintechs/iCreativeCanvas offers [describe services, e.g., financial technology solutions, creative services, etc.]. The services we provide are subject to these Terms, and we reserve the right to modify or discontinue any part of our services without notice.

3. User Responsibilities

By using our services, you agree to:

  • Provide accurate and complete information during the registration process.
  • Maintain the confidentiality of your account credentials.
  • Use our services in compliance with all applicable laws and regulations.
  • Refrain from engaging in any activity that interferes with or disrupts our services.

4. Intellectual Property

All content, materials, and services provided by iCreativeFintechs/iCreativeCanvas, including but not limited to text, graphics, logos, and software, are the intellectual property of iCreativeFintechs/iCreativeCanvas or its licensors. You may not reproduce, distribute, or create derivative works from any content without our express written permission.

5. Payment Terms

For paid services, you agree to pay all fees and charges associated with your use of our services. All payments are due at the time of purchase unless otherwise stated. We reserve the right to change our pricing and payment terms at any time.

6. Termination of Service

We may suspend or terminate your access to our services at any time, with or without cause, and with or without notice. Upon termination, you must cease all use of our services and delete any copies of materials obtained through our services.

7. Disclaimer of Warranties

Our services are provided “as is” and “as available,” without any warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or free from viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, iCreativeFintechs/iCreativeCanvas shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless iCreativeFintechs/iCreativeCanvas, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including attorneys’ fees) arising out of or related to your use of our services or your violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in [Your Jurisdiction].

11. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on our website. Your continued use of our services following any changes constitutes your acceptance of the revised Terms.

12. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

iCreativeFintech/iCreativeCanvas
Email: info@drtreecare.com
Phone: (949) 529-0697
Address: 2045 Canyon Creek Road, Gilbertsville PA 19525

Clients Who Love Us

Kim Tillinghast

CPFA™, 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.