Silver Spring, Maryland · Serving businesses across the United States (916) 472-1730 · ads@creativeandproducts.com

Legal

Terms of Service

Last updated: 1 June 2026

These terms govern your use of creativeandproducts.com and, where a signed proposal does not say otherwise, engagements with Creative & Products, owned and operated by Cheryl Hutchinson, 2005 Serpentine Ter, Silver Spring, MD 20904, United States.

1. Use of this website

The content here is provided for general information about our services. You may view, download and print pages for your own business use. You may not republish our text, photography or code as your own, scrape the site at volume, or attempt to interfere with its operation.

2. Engagements and scope

Work begins when you accept a written proposal by email or signature. The proposal defines the scope, deliverables, fees and timeline; these terms fill in anything the proposal does not address. Changes to scope are agreed in writing before the additional work starts.

3. Fees and payment

  • Retainers are invoiced monthly in advance and due within 14 days.
  • Projects are invoiced 50% on acceptance and 50% on delivery.
  • Media spend is paid by you directly to the advertising platforms and is never marked up by us.
  • Invoices unpaid after 30 days may incur interest of 1.5% per month and may pause active work.

4. Your responsibilities

You agree to provide timely access to accounts, accurate product and pricing information, and one person authorised to approve creative. You confirm that any material you supply does not infringe third-party rights and complies with applicable advertising law and platform policies.

5. Advertising platform policies

Campaigns we run on your behalf are subject to the policies of Microsoft Advertising, Google Ads and any other platform involved. Those platforms may disapprove ads, suspend accounts or change their systems at their discretion. We work to keep everything compliant but cannot guarantee platform decisions.

6. Intellectual property

On full payment, final deliverables produced for you — ad copy, campaign structures, photography, page code — become your property. We retain ownership of our pre-existing tools, templates and methods, and we may show non-confidential work in our portfolio unless you ask us in writing not to.

7. Confidentiality

Each party will keep the other’s non-public business information confidential and use it only to perform the engagement. This survives the end of the contract by three years.

8. Term and cancellation

Retainers commit for an initial ninety-day build period, then continue month to month. Either party may end the agreement with thirty days’ written notice. Work performed before the end date remains payable. Projects cancelled after commencement are invoiced for work completed to date.

9. No guarantee of results

Advertising performance depends on your market, offer, pricing, competition and factors outside our control. We do not guarantee specific rankings, traffic volumes, conversion rates or revenue. Examples and figures on this website describe past client outcomes only.

10. Limitation of liability

To the fullest extent permitted by law, our total liability arising out of an engagement is limited to the fees you paid us in the three months preceding the claim. We are not liable for indirect, incidental or consequential losses, including lost profits or lost data. Nothing here limits liability that cannot be limited by law.

11. Indemnity

You agree to indemnify us against third-party claims arising from material you supply or instruct us to publish, including claims of infringement or misleading advertising.

12. Governing law

These terms are governed by the laws of the State of Maryland, United States, without regard to conflict-of-law rules. The state and federal courts located in Montgomery County, Maryland have exclusive jurisdiction. Before filing, both parties agree to attempt resolution by a documented conversation within thirty days.

13. Changes

We may update these terms; the version in force for an engagement is the one published when the proposal was accepted. Website users are bound by the version published at the time of use.

14. Contact

Creative & Products, 2005 Serpentine Ter, Silver Spring, MD 20904, USA · ads@creativeandproducts.com · (916) 472-1730