By using the Kwak Brother’s Checklist For The HELOC (hereinafter known as the “checklist” or the “product”), you (hereinafter known as the “user’) are agreeing to our terms and conditions and the policy of usage. Novo Elite, Inc. (DBA The Kwak Brother’s) and the Novo Properties, LLC. (hereinafter known as the “companies” or “the Kwak Brothers”) Are making no guarantees and/or promises of any specific results, outcomes or successes through the usage of this checklist This checklist is intended to be used as a tool and not any prescription, advice and/or absolute authoritative suggestions. Users are to consult with their local and/or preferred lending institutions.Users are also to hold Novo Elite, Inc., Novo Properties, LLC and any of its associates, affiliates, agents, employees and/or representatives from any harm and liability. Users are to indemnify Novo Elite, Inc. and Novo Properties, LLC. at all times when using the checklist. Users are forbidden from making any alteration, changes, modification, or omittance of any functions, features and content of the checklist. Users may not distribute, copy sell, and/or share the checklist without an expressed permission from the Kwak Brothers. Users understand that there may be financial loss in any or all investments. The Kwak Brothers are making no financial advice and that all users are advised to consult with a licensed Financial advisor. Any figures, numerical values, dollar amount, and estimates are only a representation of a potential and a possible estimation. Any conclusive dollar amounts are not to be construed as an exact and/or accurate representation of whether the investment opportunity is ideal or not ideal. By filling out your form above, you are giving the Company the permission to advertise and market other services or products via email, phone calls, text message (Standard SMS rates may apply) and other methods of contact not listed above. The users may opt-out of any emails or calls through unsubscribing through our link in our emails.