Terms of Use and Purchase
Effective August 27, 2026
These Terms govern your use of DiliaWood.com, content published by Dilia Wood including work published under White Collar Black Ink, and your purchase and use of The Loan-Ready Kit.
These Terms are between you and Dilia Wood.
By using the site, you agree to the provisions that apply to site use. By purchasing a paid product, you also agree to the terms presented for that purchase.
1. U.S.-only site and products
DiliaWood.com is operated from the United States.
The site's products and paid services are intended for individuals and businesses in the United States and are not offered or marketed for purchase outside the United States.
If you access a public page from another country, you do so on your own initiative. Do not purchase a product or submit personal information if you are outside the United States.
2. The Loan-Ready Kit
The Loan-Ready Kit is a self-directed SBA loan-preparation system for owners preparing for SBA 7(a) or 504 financing.
It includes educational materials, tools, working papers, databases, reference materials, and other resources intended to help borrowers examine and prepare their own information before applying for financing.
The Kit is designed to improve preparation, understanding, and visibility into the borrower's own file.
It does not make lending decisions.
3. Current $199 offer: one-year access and no automatic renewal
For purchases made under the current $199 Loan-Ready Kit offer, your purchase provides one year of paid access beginning on the date of purchase.
Meaningful updates and additions made generally available to purchasers during that access period are included.
The current $199 Loan-Ready Kit offer does not automatically renew.
You do not need to cancel anything to prevent another annual charge.
At the end of the one-year access period, paid access ends. If additional access is offered at that time, obtaining it will require a new affirmative purchase.
Future versions, prices, editions, access models, or offers may have different terms. The material terms shown at the time of purchase govern that purchase.
4. Price and payment
The price and material purchase terms presented at checkout apply to that purchase.
Payments are processed through Stripe or another payment processor identified at checkout.
DiliaWood.com does not receive or store your complete payment-card number. Payment processors provide only the transaction information necessary to administer purchases, refunds, access, accounting, fraud prevention, and support.
You are responsible for providing accurate billing and account information.
5. Refunds
Purchases of The Loan-Ready Kit at the current $199 offer price include a 30-day refund period while the current Refund Policy is in effect.
To request an eligible refund, email line@diliawood.com within 30 days of purchase.
The published Refund Policy governs eligibility and the refund process.
Future products, prices, subscriptions, editions, or offers may carry different refund terms. The refund terms presented at the time of purchase govern that purchase, subject to rights that applicable law does not permit to be limited or waived.
6. Educational information, not professional advice
DiliaWood.com, White Collar Black Ink content, and The Loan-Ready Kit provide educational and informational material.
Nothing on the site or inside the Kit is:
- legal advice;
- tax advice;
- accounting advice;
- investment advice;
- financial-planning advice;
- individualized lending advice;
- a credit decision;
- a loan commitment;
- a loan approval; or
- a guarantee of eligibility, approval, rates, terms, timing, or funding.
You remain responsible for your financing decisions and for obtaining advice from qualified professionals when appropriate.
7. Independent of lenders and the SBA
Dilia Wood is not acting as your lender, loan broker, loan packager, Certified Development Company, attorney, accountant, financial adviser, or fiduciary through your use of DiliaWood.com or The Loan-Ready Kit.
Purchasing or using the Kit does not create a lender-borrower, brokerage, attorney-client, accountant-client, fiduciary, or similar professional relationship.
Dilia Wood and DiliaWood.com are not affiliated with or endorsed by the U.S. Small Business Administration.
Dilia Wood does not receive compensation from lenders, CDCs, loan brokers, or loan packagers for referring borrowers or because a financing transaction closes.
The source of truth for current SBA program rules is SBA.gov.
8. Lending decisions vary by file and lender
Participating lenders evaluate financing requests and may apply their own credit policies, calculations, documentation requirements, and risk criteria alongside applicable SBA requirements.
A 504 transaction also involves a Certified Development Company and the requirements applicable to that program and transaction.
Calculators, worksheets, models, examples, databases, and preparation tools available through the site or Kit are intended to help you examine your own information and prepare for that process.
They do not reproduce or predict every lender's underwriting process and cannot determine whether a lender or the SBA will approve a loan.
9. SBA rules and other information change
SBA rules, forms, notices, fees, program requirements, and lender practices can change.
Materials may be reviewed, corrected, or updated as new information becomes available, but you should confirm time-sensitive requirements with current authoritative sources and the appropriate professionals for your transaction.
Where a page displays a Last reviewed date, that date identifies when the material was reviewed. It does not guarantee that no relevant change has occurred afterward.
10. Third-party and public information
The site and Kit may organize, analyze, quote, link to, or discuss information originating from the SBA, government records, lenders, CDCs, payment processors, or other third parties.
Third-party information can contain errors, omissions, delays, or later changes.
A reference or link to a third party does not by itself mean that Dilia Wood endorses, represents, or is affiliated with that party.
11. Financial information and public tools
Certain public tools are designed to process information locally in your browser rather than transmit calculation inputs to DiliaWood.com.
The applicable tool and Privacy Policy describe the relevant data practices.
Do not submit Social Security numbers, tax identification numbers, bank credentials, borrower documents, or other sensitive financial information through general contact forms, email, or public calculators.
Collection and use of personal information is governed by the Privacy Policy.
12. Your account
You are responsible for maintaining control of your account credentials and for activity conducted through your account.
Notify line@diliawood.com if you believe your account has been accessed without authorization.
Access purchased for an individual user may not be sold, transferred, publicly shared, or used to provide paid access to unrelated third parties unless permission is expressly granted.
13. Intellectual property and permitted use
Unless otherwise stated, original content, explanatory materials, organization, worksheets, tools, analysis, graphics, and other original materials published through DiliaWood.com, White Collar Black Ink, and The Loan-Ready Kit are owned by Dilia Wood or used under license and are protected by applicable intellectual-property laws.
Purchasing the Kit gives you a limited, non-exclusive, non-transferable right to use it for your own personal or internal business preparation during the applicable access period.
You may use what you learn from the Kit in preparing your own financing request and may provide your own completed business or financing documents to your professional advisers and prospective financing sources.
You may not, without permission:
- reproduce or distribute substantial portions of paid Kit content;
- resell, sublicense, publish, or commercially redistribute Kit materials;
- give unrelated third parties access to your paid account;
- systematically extract paid content to populate or train a competing commercial product, service, or dataset;
- remove ownership, attribution, copyright, or proprietary notices; or
- circumvent access controls protecting paid material.
Nothing in this section limits rights that applicable law provides, including applicable fair-use rights.
14. Availability and changes
We work to keep the site and paid resources available, but uninterrupted access cannot be guaranteed.
Maintenance, security events, hosting failures, internet outages, third-party service failures, or other technical conditions may temporarily affect availability.
If a promised paid resource is unavailable because of a problem on our side, contact line@diliawood.com.
The Kit may be corrected, reorganized, or updated during the access period. Meaningful updates made generally available to customers during their current paid access period are included with that access.
A change to future products or offers does not retroactively alter the material purchase terms of an earlier completed purchase.
15. Prohibited use
You may not use DiliaWood.com or The Loan-Ready Kit to:
- violate applicable law;
- interfere with site operation or security;
- gain unauthorized access to another person's account;
- introduce malicious code;
- circumvent membership or access controls;
- systematically extract protected paid content for redistribution;
- impersonate another person or misrepresent your authority; or
- infringe another person's intellectual-property, contractual, or privacy rights.
Access may be restricted or terminated where reasonably necessary to address fraud, security threats, unlawful conduct, abuse, or material violation of these Terms.
Termination for misconduct does not create a refund right beyond the applicable Refund Policy or rights provided by law.
16. No guarantee of business or financing outcomes
Business financing involves risk.
Dilia Wood does not guarantee that use of DiliaWood.com or The Loan-Ready Kit will result in:
- SBA eligibility;
- lender acceptance;
- loan approval;
- a particular loan amount;
- a particular interest rate;
- favorable loan terms;
- successful closing;
- business profitability; or
- avoidance of loss.
The purpose of the Kit is preparation and borrower understanding, not a promised outcome.
17. Responsibility for your decisions
You are responsible for reviewing your own financial information, documents, assumptions, representations, and decisions.
Before signing loan documents or making material legal, tax, accounting, real-estate, or financial commitments, consult the appropriate qualified professionals.
18. Rights that cannot be waived
Nothing in these Terms excludes, restricts, or waives a right, remedy, warranty, or protection that applicable federal, state, or local law does not permit to be excluded, restricted, or waived.
These Terms should be interpreted consistently with those rights.
19. Changes to these Terms
These Terms may be updated when the site, products, technology, law, or operating practices change.
The Effective date at the top identifies the current version.
A later change to these Terms will not retroactively:
- reduce a refund right already attached to a completed purchase;
- shorten an access period already purchased;
- convert a non-renewing purchase into an automatically renewing subscription; or
- impose a new recurring charge without the customer's affirmative agreement.
20. Related policies
Use of the site and paid products is also subject, where applicable, to the:
- Privacy Policy
- Refund Policy
- Independence disclosure
If a specific checkout or offer presents material terms that differ from a general statement in these Terms, the terms expressly presented for that purchase control that purchase, subject to applicable law.
21. Contact
Questions about these Terms, The Loan-Ready Kit, or account access may be sent to:
Dilia Wood
DiliaWood.com