Terms and conditions.

Agreement to these terms.

These Terms and Conditions (the “Terms”) are a binding agreement between you and Panda Ventures LLC, doing business as Create with Tom (“we”, “us”, “our”). They govern your use of createwithtom.com, the free tools and resources published on it, and any speaking, advisory, or coaching services you book with us (together, the “Services”).

By using the Services you accept these Terms and our Privacy Policy. If you do not accept them, do not use the Services. Section 21 requires most disputes to be resolved by individual arbitration and waives your right to participate in a class action. Please read it carefully.

You must be at least 18 years old and legally able to enter contracts. If you use the Services for an organisation, you confirm you have authority to bind that organisation, and “you” includes it.

Who you are dealing with.

Create with Tom is a brand operated by Panda Ventures LLC, based in Chicago, Illinois. Any contract formed through the Services is with Panda Ventures LLC, not with any individual personally. Other ventures, teams, or companies mentioned on this site are separate entities, and nothing here creates obligations for them.

What we offer.

The Services may include any of the following:

• Editorial content, articles, talks, and case examples published on this site.
• Keynote speaking and appearances at events.
• Paid one-to-one advisory or consulting sessions.
• Ongoing coaching or advisory arrangements, offered by application.
• Free tools, templates, and curated links published in the resources area.
• A private, invitation-only area for internal use.

We may add, change, suspend, or discontinue any part of the Services at any time. Nothing on this site is an offer to sell securities, an investment opportunity, or a franchise.

Information only, not professional advice.

Everything published on this site, and everything discussed in a session, is general commercial information and opinion drawn from our own experience. It is not legal, accounting, tax, financial, investment, employment, medical, or other professional advice, and it is not tailored to your circumstances.

No advisory, coaching, or consulting relationship creates a fiduciary, partnership, agency, joint venture, or employment relationship between us. We are not your agent and do not assume any duty to act in your interest beyond delivering the session you booked. Consult your own qualified professionals before acting on anything you learn from us, and make your own business decisions.

No guarantee of results.

We talk openly about revenue, growth, and campaign performance, including our own. None of it is a promise of what you will achieve.

We make no guarantee, representation, or warranty of any specific result, including revenue, profit, sales, followers, reach, engagement, funding, bookings, or business outcomes of any kind. Your results depend on factors outside our control, including your market, offer, budget, team, execution, timing, and platform decisions. You accept full responsibility for your own business decisions and results.

Any figure, projection, or example we share is illustrative. Nothing in the Services should be read as an earnings claim.

Examples and testimonials.

Case studies, brand names, campaign figures, and testimonials describe past work and individual experiences. They are not typical, not audited, and not a prediction of your outcome. Brand names and logos appear to identify past work and belong to their owners; their appearance does not imply endorsement, sponsorship, or an ongoing relationship.

Bookings, fees, and payment.

Session rates are shown on the booking page and may change at any time before you book. The rate that applies is the one confirmed to you in writing at the time of booking.

Fees are quoted in US dollars, are due in advance unless we agree otherwise in writing, and exclude any taxes, duties, or transfer fees, which are your responsibility. A booking is confirmed only when we confirm it in writing and payment has cleared. Requesting a session does not reserve time on its own, and we may decline any booking at our discretion.

Rescheduling and refunds.

You may move or cancel a confirmed session at no charge up to 24 hours before the start time. Inside 24 hours, contact us and we will shift the session whenever the calendar allows, though we cannot promise a slot. Repeated late changes and missed sessions may be treated as delivered.

If we have to reschedule, we will offer you a new time or, if none works, refund the fee for that session. Because sessions are delivered live and time is reserved for you, fees are otherwise non-refundable once the session has taken place. Ongoing arrangements may be cancelled with written notice as set out in the arrangement itself; fees already paid for a period in progress are not refundable.

Speaking engagements.

Speaking engagements are governed by a separate written agreement covering fee, travel, recording, and cancellation. Where that agreement conflicts with these Terms, the signed agreement controls for that engagement. Unless it says otherwise, we retain all rights in our talk content, slides, and materials, and any recording you make may be used only as that agreement permits.

Free tools and resources.

Some pages offer free utilities, including tools that retrieve publicly accessible media from a link you provide. These are offered as a convenience, with no service level and no guarantee of availability or accuracy. We may rate limit, change, or remove them at any time.

We do not host, index, or store the third-party content these tools retrieve, and we do not review what you submit. You are solely responsible for what you do with them, and you agree that:

• You will only use them for content you own, have permission to use, or may lawfully use under an exception such as fair use.
• You will comply with the terms of service of any platform the content comes from, and with all applicable copyright and privacy laws.
• You will not use them to infringe rights, to scrape at scale, to circumvent technical protection measures, or to redistribute other people’s work as your own.
• You will not paste private, confidential, or sensitive links into them.

You are responsible for any claim arising from your use of these tools, and you indemnify us for it under section 19.

Acceptable use.

You agree not to:

• Break any law, or infringe anyone’s intellectual property, privacy, or other rights.
• Access, probe, or interfere with any part of the Services you are not authorised to use, or attempt to defeat authentication, rate limits, or security controls.
• Scrape, crawl, or harvest content or data at scale, or use automated means to overload the Services.
• Upload malware, attempt to inject code, or otherwise disrupt or degrade the Services.
• Use our content or materials to train machine learning models, or resell, relicense, or republish them, without our written permission.
• Impersonate us, imply a partnership or endorsement that does not exist, or use our name or marks in a misleading way.
• Harass, threaten, or abuse us or anyone else in connection with the Services.

Private areas and account security.

Parts of this site are restricted to authorised users and are not open to the public. Credentials are personal, must be kept confidential, and may not be shared or transferred. Attempting to access a restricted area without authorisation is a breach of these Terms and may violate computer misuse laws. Tell us immediately if you believe credentials have been compromised, and we may suspend access at any time to protect the systems.

Intellectual property.

The Services and everything in them, including text, design, layout, photography, video, slides, frameworks, templates, code, and the Create with Tom name and marks, are owned by us or our licensors and are protected by intellectual property laws.

We grant you a limited, personal, revocable, non-exclusive, non-transferable licence to view and use the Services, and to use any materials we give you in a session for your own internal business purposes. That licence does not let you copy, resell, sublicense, redistribute, publicly perform, or create derivative products from our materials, or remove any attribution. All rights not expressly granted are reserved.

Your submissions and feedback.

You keep ownership of the information and materials you send us. By sending them, you grant us a non-exclusive, worldwide, royalty-free licence to use them as needed to respond to you and deliver the Services, and you confirm you have the right to share them. If you send us ideas, suggestions, or feedback about the Services, we may use them freely without obligation, payment, or attribution. Please do not send us anything you consider confidential unless we have agreed in writing to treat it that way.

Third-party links and services.

The Services link to and embed third-party content, platforms, and tools that we do not control or endorse, and rely on third-party providers to operate. We are not responsible for their content, availability, security, pricing, or practices, and your use of them is governed by their terms. Any dealings you have with a third party are solely between you and them.

Confidentiality.

If you share non-public business information with us during a paid engagement and identify it as confidential, we will not disclose it to third parties or use it outside the engagement, except where disclosure is required by law or the information is already public, already known to us, or independently developed. This obligation is mutual: our frameworks, pricing, and unpublished materials are confidential to us. It does not stop either of us from using general knowledge, skill, or experience gained while working together.

Disclaimer of warranties.

The Services are provided “as is” and “as available”, with all faults and without warranty of any kind. To the fullest extent permitted by law, we disclaim all warranties, express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement, and any warranty arising from course of dealing or usage of trade.

We do not warrant that the Services will be uninterrupted, secure, error free, or free of harmful components, that content will be accurate, current, or complete, or that any defect will be corrected. You use the Services at your own risk.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you. In that case, those exclusions apply to the maximum extent permitted.

Limitation of liability.

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenue, lost business, lost or corrupted data, loss of goodwill, or business interruption, arising out of or relating to the Services, whether based in contract, tort, negligence, strict liability, or any other theory, even if we were advised of the possibility.

Our total aggregate liability for all claims relating to the Services will not exceed the greater of the amount you paid us in the six months before the event giving rise to the claim, or one hundred US dollars.

These limits apply even if a remedy fails of its essential purpose, and they reflect an agreed allocation of risk that is part of the basis of our bargain with you. Nothing in these Terms excludes liability that cannot lawfully be excluded, such as liability for fraud or for death or personal injury caused by negligence. Some jurisdictions limit these exclusions, so parts of this section may not apply to you.

Indemnification.

You agree to defend, indemnify, and hold harmless Panda Ventures LLC and its owners, officers, employees, and contractors from and against any claim, demand, investigation, loss, liability, damage, cost, or expense, including reasonable legal fees, arising out of or relating to your use or misuse of the Services, your use of the free tools, your content or submissions, your breach of these Terms, your violation of any law, or your infringement of any third-party right. We may assume the exclusive defence and control of any matter subject to indemnification by you, and you agree to cooperate with us.

Copyright complaints.

We respect intellectual property rights. If you believe material on this site infringes your copyright, send us a notice through the contact form including:

• Identification of the work you say is infringed.
• The exact URL of the material you want removed.
• Your name, address, and contact details.
• A statement that you have a good faith belief the use is not authorised by the rights holder, its agent, or the law.
• A statement, under penalty of perjury, that the information in your notice is accurate and that you are the rights holder or authorised to act for them.

We will review valid notices and remove or disable material where appropriate. We may terminate access for anyone who repeatedly infringes.

Disputes and arbitration.

Talk to us first. If something goes wrong, send us a written notice through the contact form describing the problem and what you want. We both agree to try in good faith to resolve it informally for 30 days before starting any formal proceeding. This step is a condition of bringing a claim.

Binding individual arbitration. If we cannot resolve it, you and we agree that any dispute arising out of or relating to these Terms or the Services will be settled by final and binding arbitration administered by the American Arbitration Association under its rules then in effect for consumer or commercial disputes, as applicable. Arbitration will take place in Cook County, Illinois, or by videoconference or on documents alone where the rules allow. The arbitrator decides all issues, except that a court decides the enforceability of the class-action waiver below. Judgment on the award may be entered in any court of competent jurisdiction.

You and we waive the right to a trial by jury and agree that claims may be brought only on an individual basis. Neither of us may bring or participate in a class, collective, consolidated, or representative action, and the arbitrator may not consolidate claims or preside over any form of representative proceeding.

Carve-outs. Either of us may bring an individual claim in small claims court if it qualifies, and either of us may ask a court for an injunction or other equitable relief to stop actual or threatened infringement or misuse of intellectual property or confidential information.

Time limit. Any claim must be brought within one year after it arises, or it is permanently barred, unless applicable law forbids a shorter period than the statutory one.

If the waiver fails. If the class-action waiver is found unenforceable for a particular claim, that claim alone must proceed in court under section 22, and the rest of this section still applies to everything else.

Governing law and venue.

These Terms are governed by the laws of the State of Illinois, United States, without regard to its conflict of laws rules, and by the Federal Arbitration Act as to section 21. For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction of the state and federal courts located in Cook County, Illinois, and waive any objection to venue there. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Changes and termination.

We may update these Terms at any time. The effective date at the top shows the current version, and material changes take effect when posted. Continuing to use the Services after a change means you accept the updated Terms, so check back before you rely on them.

We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have breached these Terms or to protect the Services or other users. Sections that by their nature should survive termination do so, including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution.

General terms.

Entire agreement. These Terms, our Privacy Policy, and any signed engagement agreement are the whole agreement between us on this subject and replace earlier discussions. Where a signed engagement agreement conflicts with these Terms, it controls for that engagement.

Severability and waiver. If any provision is held unenforceable, it is limited or removed to the minimum extent necessary and the rest stays in force. Our failure to enforce a provision is not a waiver of it.

Assignment. You may not assign or transfer these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

Force majeure. Neither of us is liable for delay or failure caused by events beyond reasonable control, including outages, platform changes, natural disasters, illness, labour disputes, war, or government action.

Notices. We give notice by posting on this site or replying to the address you contacted us from. You give notice through the contact form.

No third-party beneficiaries. These Terms do not give rights to anyone other than you and us.

Export and sanctions. You confirm you are not located in an embargoed country and are not on any restricted-party list.

How to reach us.

Panda Ventures LLC, doing business as Create with Tom, Chicago, Illinois, United States.

For any question about these Terms, including notices required under sections 20 and 21, use the contact form. These Terms are effective as of August 4, 2026.