HZL Consulting GmbH, its subsidiaries, and affiliates (collectively, “HZL Consulting,” "creative-course.com," the “Company,” “We,” or “Us”) is a provider of direct-to-consumer and direct-to-business education and training in the fields of marketing, consulting, sales, and business development. We do not sell any business opportunity, “get rich quick” program, or money-making system. We believe that through education, individuals can better prepare to make informed business and investment decisions; however, we do not and cannot guarantee any success or financial outcomes. We do not make earnings claims, effort-based claims, return-on-investment claims, or any representation that our training will generate income. Our programs generally include a combination of educational content, training, and tools/resources. All materials are our intellectual property and protected by copyright. Any duplication, reproduction, or distribution is strictly prohibited.

HZL Consulting GmbH makes no representation regarding the likelihood or probability that any actual or hypothetical business decision or investment connected to our training will achieve a specific result or perform in a predictable manner. Any historical data, examples, or case studies provided in our presentations or materials do not represent the actual performance of any specific client. Past performance is not a guarantee of future success. Results in any period may differ significantly from those in previous periods. No representation is made that any business or investment decision will or is likely to produce similar profits or losses as shown in examples, nor that significant losses will be avoided. All business and investment activity involves risk, and financial loss is possible. Scenarios and examples presented may include third-party information. HZL Consulting believes such sources to be reliable but does not warrant their accuracy.

HZL Consulting GmbH is not a lender, does not issue credit, and does not provide credit counseling or consulting services related to obtaining financing or lines of credit. Any lenders or consulting firms referenced are independently operated and unaffiliated with HZL Consulting. We do not receive referral fees or compensation from these independent entities. Before borrowing funds or purchasing any consulting services, you should carefully evaluate your own financial situation, objectives, risks, and circumstances. HZL Consulting assumes no responsibility or liability for the actions, products, or services of third parties. Using borrowed money to purchase training or any other product or service—especially at high interest rates—may reduce or eliminate any potential return and may result in losses greater than your original investment. You should carefully consider the risks of taking on debt before making a purchase decision. Failure to make required minimum payments to lenders may result in additional fees and damage to your credit profile.

To continually improve our customer experience, we regularly survey our clients. It is not always possible to track who fully implements or completes the training. Some participants join our programs for educational purposes only and do not purchase additional training, yet may still be included in satisfaction survey results. Testimonials and reviews reflect individual experiences and personal opinions of clients who have purchased our education and training. Individual results vary, and testimonials may not be typical. Outcomes depend on each person’s effort, time, skills, and various external factors. HZL Consulting does not track clients’ monetary results. Instead, we measure perceived value, quality of education, support, and overall satisfaction. Survey respondents typically rate their experience with our products and services above 4.8/5 on average across a 12-month period. If you choose to complete a satisfaction survey, you confirm that your feedback accurately reflects your experience and that you were not compensated for positive comments. You also grant HZL Consulting permission to publish your aggregated feedback and comments on our website(s), marketing materials, and online review platforms. Your privacy is respected, and no personally identifiable information will be published.

HZL Consulting GmbH may link to, reference, or provide content and services created by third parties not affiliated with the Company. We are not responsible for such content and do not endorse or approve it. Third-party content may contain terms, conditions, or policies that differ from those of HZL Consulting. We assume no responsibility or liability for the accuracy, reliability, or opinions contained in such content. If we provide services through, or refer you to, third-party businesses, please note that some may share common ownership interests with HZL Consulting. Their respective terms, conditions, and privacy policies are governed independently of your relationship with us. All third-party company names, logos, and products are trademarks or registered trademarks of their respective owners. Their use does not imply affiliation, endorsement, or sponsorship by HZL Consulting.