Purchase and Hold Harmless Agreement

TO USE THIS SITE AND/OR ANY RELATED SERVICES, PROGRAMS OR MATERIALS, YOU MUST BE A UNITED STATES RESIDENT. BY CONTINUING TO USE THIS SITE AND/OR BY ENTERING YOUR PERSONAL INFORMATION INTO ANY FORM, YOU ARE ATTESTING TO BEING A US RESIDENT AND ACCEPTING ALL TERMS OF THIS POLICY/AGREEMENT BELOW, INCLUDING GIVING EXPRESS CONSENT TO US, AND TO OUR AFFILIATES, MEMBERS EMPLOYEES AND VENDORS, TO CONTACT YOU VIA PHONE, SMS (TEXT), EMAIL OR BY ANY MEANS WE CHOOSE REGARDING ANY SERVICES, PROGRAMS, PRODUCTS OR OTHER OFFERINGS THAT WE FEEL MAY BE HELPFUL TO YOU. SMS FREQUENCY WILL VARY. MESSAGE AND DATA RATES MAY APPLY. RECEIVING SMS MESSAGES IS NOT A CONDITION OF PURCHASE HOWEVER WE MAY SEND YOU ONE INITIAL SMS TO CONFIRM YOUR PURCHASE. IF YOU DO NOT WISH TO RECEIVE THE INITIAL SMS YOU MAY CONTACT US BY EMAIL AT [email protected] AND WE WILL PROCESS YOUR PURCHASE MANUALLY WITHOUT YOUR TELEPHONE NUMBER. YOU MAY OPT OUT OF RECEIVING SMS MESSAGES AT ANY TIME BY REPLYING "STOP".

PLEASE READ THIS ONLINE PURCHASE AND HOLD HARMLESS AGREEMENT (THE “AGREEMENT”) CAREFULLY BEFORE USING ANY OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS OFFERED BY REO ROCKSTARS, LLC (“REO”) OR MILLIONAIRE AGENT ACADEMY, LLC (“MAA”) DESCRIBED BELOW. BY PLACING AN ORDER, PURCHASING ANY DIGITAL PROGRAMS OR SERVICES, AND/OR USING THIS SITE OR ANY SUPPLEMENTAL MATERIALS, YOU, THE END USER (“YOU”, “YOURSELF” AND/OR “YOUR”) ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT AND AGREE TO BE BOUND BY ITS TERMS, AS WELL AS THE TERMS OF USE AND PRIVACY POLICY. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT, TERMS OF USE AND PRIVACY POLICY, YOU MUST PROMPTLY EXIT THIS PAGE WITHOUT ACCESSING OR USING ANY OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS.

YOU FURTHER ACKNOWLEDGE THAT ANY INFORMATION THAT YOU RECEIVE FROM MAA, ITS SUBSIDIARIES, AFFILIATES, EMPLOYEES, CONTRACTORS, OFFICERS, AGENTS, MEMBERS AND DIRECTORS IS DELIVERED IN GOOD FAITH AND PURELY FOR GENERAL INFORMATIONAL PURPOSES ONLY.

1. Definitions, As used herein, the following terms shall have the following meanings:
   • (a) “Digital Course Fee” shall mean the fees MAA charges for the Uncensored REO Secrets 3.0 Digital Program and the Uncensored REO Secrets 4.0 Program.
   • (b) “Member” shall mean each individual that purchases any of the Services through this website and is current on his or her Membership Fees.
   • (c) “Membership” shall mean the right, conditioned upon timely payment of all Membership Fees and strict adherence to this Agreement, to full access of any of the Services described below.
   • (d) “Membership Fees” shall mean both the Digital Course Fee and the Monthly Fees, as well as all other fees due under this Agreement.
   • (e) “Monthly Fees” shall mean any of the fees MAA charges (excluding the Digital Course Fee) for any Services that MAA and/or REO provides You on an ongoing basis.
   • (f) “Millionaire Agent Academy” or “MAA” shall mean both Millionaire Agent Academy, LLC and REO Rockstars, LLC, as well as the subsidiaries, affiliates, employees, contractors, attorneys, officers, agents and directors of each. Any reference to either Millionaire Agent Academy or MAA shall also refer to REO Rockstars, LLC.
     Notwithstanding the foregoing, You understand, acknowledge and agree that Millionaire Agent Academy, LLC and REO Rockstars, LLC are separate and distinct legal entities. When used herein, the term “MAA” is intended to refer to both entities purely for the sake of convenience. MAA and REO are strictly independent contractors of one another, and nothing contained herein or otherwise shall make one entity the authorized agent of the other. Under no circumstances shall one entity be held responsible for the acts or omissions of the other entity.
   • (g) “Services” shall mean all Services, Products and Digital Programs, subscriptions, classes, coaching, consulting and other services, either presently or in the future, offered, marketed or provided by MAA or REO through the Site; such Services shall include, but not be limited to, Uncensored REO Secrets, Uncensored REO Secrets 3.0, Uncensored REO Secrets 4.0, the Graduate Program, and REO Rockstars Mastermind Society. Any future Services created, marketed or offered by MAA shall automatically be governed by the terms of this Agreement (excepting fee and payment terms), regardless of whether such Services are specifically referenced in Section 2 below or otherwise in this Agreement.
   • (h) “Site” shall mean REO’s website located at reorockstars.com and/or MAA’s website located at www.millionaireagentacademy.com, as well as any other website owned or operated by MAA, its subsidiaries or affiliates.
   • (i) “Supplemental Materials” shall mean any and all educational, training, promotional, sales, or other materials provided to You by MAA and/or REO through the Site, the Services, Products and Digital Programs or otherwise.

2. Services
   • (a) Uncensored REO Secrets 3.0 Digital Program and Uncensored REO Secrets 4.0 Digital Program. By selecting the Uncensored REO Secrets 3.0 Digital Program or Uncensored REO Secrets 4.0 Digital Program, You are agreeing to pay (i) $291 for the digital course itself (in addition to the $29.00 setup and online bonus materials vault access) (the “Digital Course Fee”), and (ii) $67 per month (the “Monthly Fees”) for Your Membership in the Graduate Program (as defined below) (collectively, the “Membership Fees”). By enrolling in the Uncensored REO Secrets 3.0 Digital Program or the Uncensored REO Secrets 4.0 digital Program, You are also agreeing to be automatically enrolled into and charged for the REO Rockstars monthly membership, as further defined below. You will automatically be charged the Monthly Fees below unless and until to cancel your Membership in accordance herewith.
   • (b) REO Rockstars monthly membership. The REO Rockstars monthly membership consists of membership in REORockstars.com, including access to and participation in the REO Rockstars Mastermind Society (as detailed below), access to pre-recorded graduate informational Q&A calls, access by telephone to support for any real estate related informational answers to questions and technical and billing issues, and email access to MAA’s personnel for further informational communication. You may also request telephone informational conversations with MAA’s personnel at no additional charge. You also are entitled to participate in weekly REORockstars group informational Q&A calls with Mike Costigan and other members at no additional cost for your first thirty (30) days. The Monthly Fees shall commence thirty (30) days from the date of purchase and shall continue on a monthly basis thereafter. Your Membership will continue every month until You cancel in accordance with this Agreement. You authorize us to automatically charge Your credit card monthly for the Monthly Fees. You may cancel at any time in accordance with paragraph 6(b) below.
   • (c) REO Rockstars Mastermind Society. (No longer offered. All Mastermind interaction is received in (b) REO Rockstars membership above). By selecting the REO Rockstars Mastermind Society and paying a fee of $1.00, You are enrolling in the REO Rockstars Mastermind Society on an initial term of fourteen (14) days. After the initial fourteen (14) days (if You do not cancel in accordance herewith), You will be automatically enrolled as a Member, and the associated Monthly Fees of $67 per month will be automatically billed to Your credit card on file. You may also choose at the time of Your enrollment to pay reduced Monthly Fees on an annual basis. You may cancel at any time in accordance with paragraph 6(c) below. While a Member, You are also entitled to a free Membership in our Facebook REO Rockstars Mastermind Group where You will have access to informational Q&A calls and/or webinars. Note that such calls and webinars are randomly scheduled with no guaranteed availability or minimum number of offerings. You will also have access by group message or instant message to our personnel for any real estate related answers to questions.
   • (d) Uncensored REO Secrets 3.0 and 4.0 Digital Speed Program. By selecting the Uncensored REO Secrets 3.0 or 4.0 Digital Speed Course , You are agreeing to pay (i) $291 for the Uncensored REO Secrets 3.0 or 4.0 digital program itself (in addition to the $29.00 setup and online bonus materials vault access) (the “Digital Course Fee”), and (ii) $67 per month (the “Monthly Fees”) for Your Membership in REO Rockstars monthly membership (as defined above) (collectively, the “Membership Fees”). You are also enrolling in the Uncensored REO Secrets 3.0 or 4.0 digital Speed Course and agreeing to pay $499 for the course itself, in addition to the Uncensored REO Secrets 3.0 or 4.0 Digital Course Fee (in addition to the $29.00 setup and online bonus materials vault access ). By enrolling in the Uncensored REO Secrets 3.0 or 4.0 Digital Speed Course and the Uncensored REO Secrets 3.0 or 4.0 Digital Program, You are also agreeing to be automatically enrolled into and charged for the REO Rockstars monthly membership, as further defined below. You will automatically be charged the Monthly Fees below unless and until to cancel your Membership in accordance herewith.
   • (e) Uncensored REO secrets Playbook e-book. By selecting the Uncensored REO Secrets Playbook, You are agreeing to pay (i) $29 for the digital e-book itself.
   • (f) Top 8 Ways to "Cut in Line" for REO Listings. By selecting the Top 8 Ways to "Cut in Line" for REO listings, You are agreeing to pay (i) $59 for the digital e-book itself.
   • (g) The Ultimate REO Team Positions Blueprint and Business Plan e-book. By selecting The Ultimate REO Team Positions Blueprint and Business Plan , You are agreeing to pay (i) $99 for the digital e-book itself.
   • (h) The RFI Proposal that Wins BIG REO Clients e-book. By selecting The RFI Proposal that Wins BIG REO Clients, You are agreeing to pay (i) $129 for the digital e-book itself.
   • (i) 7 Day REO Secrets Digital Course. By selecting the 7 Day REO Secrets, You are agreeing to pay (i) $0 for the digital course itself.

3. License. Upon payment of the Membership Fees for particular Services, and subject to the terms of this Agreement, MAA will grant You a limited, non-transferable, royalty-free, and non-exclusive license to use the Services and Supplemental Materials during the Term of this Agreement. Your use of the Services shall be strictly in accordance with this Agreement and our Terms of Use. You are responsible for providing and maintaining all computer equipment and software and telecommunications services necessary to access the Services. Nothing in this Agreement grants or transfers to You or to any third party any ownership rights in the Services, including the software and other intellectual property rights related to the Services. Except as specifically set forth in this Agreement, MAA owns and retains all right, title, and interest in the Services and any and all related Supplemental Materials.
4. Payment. For access to and use of the Services, You agree to pay the amounts set forth above for the number of users for which You are purchasing a license. You hereby acknowledge and agree that the Digital Course Fee and Monthly Fees are payable in advance for each license purchased upon acceptance of this Agreement and will be charged whether You use the Services or not. You are responsible for any taxes, including personal property taxes or sales taxes, resulting from Your use of the Services. Payments not paid when due shall be subject to late charges equal to the lesser of (i) one and one-half percent (1.5%) per month of the overdue amount or (ii) the maximum amount permitted under applicable law. You agree to pay all attorneys’ and collection fees arising from efforts to collect any past due amounts from You.
5. Email Notifications. You will receive email notification of the call schedules and access information after enrolling. If You do not receive such emails within such timeframe, please contact customer support.
6. Refunds. If You believe any of the MAA Services You purchased are not worth the purchase price, You may, conditioned upon the requirements of this Section, receive a full refund of monies actually paid to MAA. Under no circumstances will MAA refund monies in excess of what You actually paid MAA. Should you so request any refund, your license to use the Services and Supplemental Materials shall be immediately revoked. Additional refund Conditions for individual Services are provided below.
   • (a) Uncensored REO Secrets 3.0 Digital Program and Uncensored REO Secrets 4.0 Digital Program. All Uncensored REO Secrets 3.0 and Uncensored REO Secrets 4.0 refund requests must be made within (60) days of Your purchase date in accordance herewith. For your protection and for verification purposes, all cancellation and refund requests must be emailed to [email protected]. Cancellations may also be made by using the online automated cancellation mechanism found inside the members area of your course. No UREOS 3.0 or 4.0 refunds will be issued via telephone. You are entitled to receive a full refund of your UREOS course fee and the $29 setup and online bonus materials vault access during the first 60 days of enrollment.
   • (b) REO Rockstars Monthly Membership Program. The first thirty (30) days of Your Membership in REORockstars monthly membership Program (including Site access) is free of additional charge. Following the first thirty (30) days, Your credit card on file will be automatically charged $67 month until You cancel in accordance with this Agreement. You may cancel Your monthly Membership at any time and, upon request, receive a refund for the two (2) most recent months of REORockstars monthly graduate Monthly Fees. For your protection and for verification purposes, all cancellation and refund requests must be emailed to [email protected]. Cancellations may also be made by using the online automated cancellation mechanism found inside the members area of your course. No REO Rockstars Monthly membership Program refunds or cancellations will be issued via telephone. You must provide the date of the Monthly Fees for which You are requesting a refund in Your request for cancellation of graduate membership.
   • (c) REO Rockstars Society. (No longer offered). Your credit card on file will be automatically charged $67 month until You cancel in accordance with this Agreement. You may cancel Your monthly Membership at any time and, upon request, receive a refund for the two (2) most recent months of REO Rockstars Society Monthly Fees. all cancellation and refund requests must be emailed, all cancellation and refund requests must be emailed to [email protected]. No REO Rockstars Society refunds will be issued via telephone. You must provide the date of the Monthly Fees for which You are requesting a refund in Your request for cancellation of REO Rockstars Society membership.
   • (d) Uncensored REO Secrets 3.0 and 4.0 Digital Speed Course. There are NO REFUNDS for this program. You are entitled for a refund of your purchase price of the Uncensored REO Secrets 3.0 or 4.0 Digital Course and your REO Rockstars monthly membership Monthly Fees in accordance with paragraph 6(a) above.
   • (e) Uncensored REO Secrets Playbook e-book. There are NO REFUNDS for this e-book.
   • (f) Top 8 Ways to "Cut in Line" for REO Listings. There are NO REFUNDS for this e-book.
   • (g) The Ultimate REO Team Positions Blueprint and business Plan e-book. There are NO REFUNDS for this e-book.
   • (h) The RFI Proposal that Wins BIG REO Clients e-book. There are NO REFUNDS for this e-book.
   • (i) 7 Days of REO Secrets Digital Course. There is no cost associated with this digital course and therefore NO REFUNDS.

7. Products.on to the foregoing, You acknowledge and agree that the terms of this Agreement shall also apply to any and all Products you purchase from or through MAA, REO or this Site, including, but not limited to, e-books, PDFs, videos, Supplemental Materials and any other products provided by any of the foregoing (collectively, the “Products”).
8. Restricted Use. The Site and all its Content (including, but not limited, any material made available for download) are exclusively owned or licensed by MAA and/or its affiliates. The Site and Content are protected by federal and international copyright and trademark laws and no portion of the Site or Content may be reprinted, republished, modified, or distributed in any form without the express prior written permission of MAA. Access to the Site and Content is for Your own personal use and may not be shared with any third party. You shall keep intact any proprietary notices, including copyright notices, contained on any downloaded Content and shall comply with MAA’s Privacy Policy and Terms of Use found on the Site. Any rights not expressly granted by this Agreement are reserved by MAA.
9. Reviews. We encourage you to post honest public reviews and comments about our services and to send us private comments about our services so that we may improve and promote our programs.
10. Consent to Use. You grant us the express and irrevocable right to paraphrase and use your reviews, public or private comments in any promotional materials in any way that we choose.
11. Site Terms of Use. Your access to and use of the Site are subject to MAA’s Terms of Use provided on the Site. Said Terms of Use and MAA’s Privacy Policy (also found on the Site) are specifically incorporated by reference herein. Capitalized terms not otherwise defined herein shall have the definitions ascribed to them in the Terms of Use or Privacy Policy, as the case may be. The Terms of Use and Privacy Policy may be found at reorockstars.com. By placing an order, purchasing any Services, Products and Digital Programs and/or using this Site or the Supplemental Materials, You are representing and warranting that You have reviewed both the Terms of Use and Privacy Policy and, further, that You agree to be bound by such policies.
12. Modifications and Changes to Services, Products and Digital Programs, and/or Site. The software, content, availability and access and all other features, attributes or aspects of the Services, Products and Digital Programs, and Site are subject to change, modification, additions or deletions at any time without notice in MAA’s or REO’s sole discretion, as the case may be.
13. Links to External Sites. Links from the Site to external sites (including external sites that are framed by REO) or inclusion of advertisements do not constitute an endorsement by MAA or REO (as the case may be) of such sites or the content, programs, advertising and other materials presented on such sites or of the programs and services that are the subject of such advertisements, but are for Users’ reference and convenience. Your access to the site is at own Your risk. It is Your responsibility to evaluate the content and usefulness of the information obtained from other sites. It is also up to You to take precautions to ensure that whatever You select for Your use or download from any such other site is free of such items as viruses, worms, trojan horses, and other items of a destructive nature. Neither MAA nor REO controls such sites, and neither is responsible for their content. You further acknowledge that use of any site controlled, owned or operated by third parties is governed by the terms and conditions of use for those sites, and not by REO’s Terms and Conditions and Privacy Policy. REO expressly disclaims any liability derived from the use and/or viewing of links that may appear on this Site. You hereby agree to hold REO harmless from any liability that may result from the use of links that may appear on the Site.
14. United States Citizens Only. The Site, Uncensored REO Secrets 3.0 Digital Program, Uncensored REO Secrets 4.0 Digital Program, REO Rockstars Monthly Membership Program, and REO Rockstars Society, as well as all other products, materials and services created, sold, and/or otherwise disseminated by REO are made available only to United States' citizens or permanent resident aliens, and access thereto is strictly forbidden to any European Union (EU) citizen.
    • (a) Representations and Warranties. You here by represent and warrant that you (a) are legally within the jurisdiction of the United States; (b) are a U.S. citizen or permanent resident alien; (c) You are not a resident of the European Economic Area (EEA); and (d) You are not accessing this site from within the EEA. If You are an EU citizen, you are directed to immediately leave the Site and are forbidden from accessing the Site, Content, products, services and materials. Furthermore, if You are an EU citizen, You are forbidden from sending, and are explicitly directed not to send, any personal or other data or information to REO and/or its affiliates.
    • (b) General Data Privacy Regulation (GDPR). The GDPR took effect on May 25, 2018 and is intended to protect the data of European Union (EU) citizens. Although REO markets its Site, Content, products, materials and/or services online, we do not specifically target our marketing to the EU, nor do we conduct business in or to the EU in any meaningful way. If you nevertheless ignore this warning and are a resident of the European Economic Area (EEA), or are accessing this site from within the EEA, you may have the right to request: access to, correction of, deletion of; portability of; and restriction or objection to processing, of your personal data, from us. This includes the "right to be forgotten." To make any of these requests, please contact our GDPR contact at request@infodeletioncom.

13. Your Responsibilities. You agree to comply with this Agreement, our Terms of Use, our Privacy Policy and all applicable laws and regulations, including, but not limited to, those related to pornography, obscenity, copyright, trademark, other intellectual property rights, data privacy, international communications, import and export regulations and tax laws and regulations. You agree to notify MAA promptly if You suspect unauthorized use of Your account. Until You notify MAA, You remain solely responsible for such unauthorized use and any damages that may result therefrom. You further agree to notify MAA immediately in the event You become subject to any lawful order or process that would prohibit or limit Your use of the Service. As a condition of Your use of the Site and Supplemental Materials, You warrant to MAA that You will not use the Site or Supplemental Materials for any purpose that is unlawful or prohibited by this Agreement, the Terms of Use, Privacy Policy, or relevant law.
14. Prohibited Activities. You may not modify, reverse engineer, or decompile the Site, Content, Supplemental Materials, or the Services, Products and Digital Programs, or create derivative works based on any of the foregoing. You may not distribute, rent, lease, sell, license, or otherwise transfer any Services, Products and Digital Programs or Supplemental Materials or contents thereof to any other person or entity or make any other commercial use of the Services, Products and Digital Programs except as provided for in this Agreement.
15. Disclaimers
    • (a) Your use of REORockstars.com, REO Rockstars Monthly Membership Program (Including the facebook group thereof), the reo mastermind society, the Supplemental Materials, the site, THE Content and participation in calls is optional, however, You are strongly encouraged to participate. Not participating in the calls or voluntarily not accessing and utilizing the resources on REOrockstars.com or not reaching out to support or to Mike Costigan for information does not constitute Your "not participating in" or "not receiving REORockstars Monthly Membership program" for the purpose of refunds. You are accepting the Membership and agreeing to the terms of the Membership and we are offering You what we believe to be of great value in good faith. Many Members use the resources in different ways. Some rarely use them and some use them frequently. Some don't use them at all. We would never insult Your intelligence by telling You that You will make money. MOST PEOPLE LOSE MONEY ON INFORMATIONAL PROGRAMS like THESE. All people are different. We cannot and do not guarantee success. We assume that You are an intelligent person and that You understand this already but we like to be transparent about our offerings. IF YOU CANNOT AFFORD TO LOSE MONEY THEN DON'T ENROLL IN OR PURCHASE ANY SERVICES, PRODUCTS AND DIGITAL PROGRAMS. We want You to get the most out of the digital course and the monthly membership program and we believe that there is a significant value in actually utilizing all of the resources that You are paying for as frequently as needed. Please be sure to use the Site resources and get on the calls and ask questions. We truly want You to get the most that You can out of Your digital course and REORockstars monthly membership membership. The rest is up to You.
    • (b) Disclaimer of Representations and Warranties. You understand and agree that real estate is an inherently local industry, and each local market differs from the next. MAA cannot advise on the particularities of Your local market (including, but not limited to, whether housing prices are rising or falling, whether REO and/or foreclosures, soliciting and/or taking on listings and/or buyer clients, spending money and time on marketing or spending time and money in real estate at all, etc. are advisable investments, etc.) It is Your responsibility to research and determine for Yourself (including the use of local and/or regional experts) whether or not the subject matter of any Service either owned or marketed by MAA would be suitable and/or profitable for You. While at some times and in some markets, places or business environments, the Services, Products and Digital Programs may be profitable, in others they may not. MAA makes no covenants, representations, warranties or guarantees as to the suitability or profitability of the Services, Products and Digital Programs. MOST PEOPLE LOSE MONEY ON THIS AND OTHER INFORMATIONAL PROGRAMS LIKE THESE.You should consider all statements made by representatives of MAA to be statements of opinion and You should not rely on those opinions in making Your decision to purchase any such Services, Products and Digital Programs. MAA makes no covenants, certifications, or promises of any financial gain from Your use of the Services, Products and Digital Programs, and expressly disclaims any guaranties of any reward whatsoever, financial or otherwise, from (a) Your purchase or use of the Services, Products and Digital Programs; or (b) any advice You might receive as a result of any sort of coaching or consulting embodied in any of the Services, Products and Digital Programs. Mike Costigan's results and results in testimonials are not typical. Individual results vary. All content is for informational purposes only.THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS ARE PROVIDED AS-IS, WITH ALL FAULTS, AND WITHOUT WARRANTY OF ANY KIND. MAA EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS AND IMPLIED, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND TITLE/NON-INFRINGEMENT TO THE FULLEST EXTENT PERMITTED BY LAW. MAA DOES NOT WARRANT THAT THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS WILL MEET YOUR REQUIREMENTS, OR THAT THE OPERATION OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS WILL BE CORRECTED. MAA DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS OR RELATED DOCUMENTATION IN TERMS OF THEIR CORRECTNESS, ACCURACY, QUALITY, RELIABILITY, APPROPRIATENESS FOR A PARTICULAR TASK OR APPLICATION, OR OTHERWISE. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY MAA OR ITS AUTHORIZED REPRESENTATIVES SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF THIS WARRANTY. YOU ARE ENTIRELY RESPONSIBLE FOR AND ASSUME ALL RISK FOR USE OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS. MAA IS NOT RESPONSIBLE FOR TRANSMISSION ERRORS OR CORRUPTION OR SECURITY OF INFORMATION CARRIED OVER TELECOMMUNICATION LINES.
    • (c) No Affiliation. Neither MAA nor REO is an accredited university or school; nor is either a school of any kind at all or affiliated with any accredited university or school or learning institution of any kind whatsoever. Millionaire Agent Academy is an independent for-profit informational programs and services marketing company. Neither Millionaire Agent Academy, LLC nor REO Rockstars is affiliated with or endorsed by Your brokerage or by any bank, financial institution, asset management company, government agency or any type of business that manages real estate owned (REO) properties or distributes them as listing assignments. YOU ACKNOWLEDGE AND AGREE THAT ANY INFORMATION THAT YOU RECEIVE FROM MAA, ITS SUBSIDIARIES, AFFILIATES, EMPLOYEES, CONTRACTORS, OFFICERS, AGENTS, MEMBERS AND DIRECTORS IS DELIVERED IN GOOD FAITH AND PURELY FOR GENERAL INFORMATIONAL PURPOSES ONLY.
    • (d)  TESTIMONIALS DISCLAIMER. MIKE COSTIGAN IS A PROFESSIONAL MARKETER AND MAKES MOST OF HIS INCOME BY ADVISING AGENTS AND BROKERS AND NOT SELLING REAL ESTATE, AND HIS RESULTS, AND THE RESULTS DISPLAYED IN TESTIMONIALS ARE NOT EVEN CLOSE TO TYPICAL. MAA AND REO MAKE NO PROMISE OF GAIN OR PROTECTION FROM LOSS AND YOU SHOULD NOT ENROLL IF YOU CANNOT AFFORD TO LOSE MONEY. YOU SHOULD READ ALL PARAGRAPHS BELOW AND UNDERSTAND THAT THERE IS NO PROMISE OF GAIN OR PROTECTION FROM LOSS AND THAT MOST PEOPLE LOSE MONEY ON INFORMATIONAL PROGRAMS LIKE THESE FOR A VARIETY OF REASONS. YOU SHOULD NOT ENROLL, INVEST OR PARTICIPATE IN ANY MAA PROGRAM, TRAINING, MEETING OR DOWNLOAD OR USE ANY MAA MATERIALS OR ANY INFORMATION THAT YOU OBTAIN FROM US IN ANY MANNER IF YOU CANNOT AFFORD TO LOSE MONEY.
    • MIKE IS A PROFESSIONAL MARKETER AND MAKES MOST OF HIS INCOME BY ADVISING AGENTS AND BROKERS AND NOT SELLING REAL ESTATE AND HIS RESULTS ARE NOT EVEN CLOSE TO TYPICAL. TESTIMONIALS OF USERS OF OUR PROGRAMS AND/OR SERVICES MAY APPEAR FROM TIME TO TIME IN WEBINARS, ADVERTISEMENTS AND ON OUR SITE. THE TESTIMONIALS REFLECT THE REAL-LIFE EXPERIENCES AND OPINIONS OF SYCH USERS. HOWEVER, THE EXPERIENCES ARE PERSONAL TO THOSE USERS, AND ARE NOT REPRESENTATIVE OF THE EXPERIENCE OF ALL USERS IN OUR PROGRAMS AND/OR SERVICES. WE DO NOT CLAIM, AND YOU SHOULD NOT ASSUME, THAT ALL USERS WILL HAVE SIMILAR EXPERIENCES. INDIVIDUAL RESULTS WILL VARY.The testimonials shown on our webinars and on our site are submitted in various forms, such as text, audio and/or video. They appear on the site as given by users, except for the correction of grammar or typing errors. Some testimonials may have been shortened for the sake of brevity where the full testimonial contained extraneous information not relevant to the general public.The views and opinions contained in the testimonials belong solely to the individual user and do not reflect our views and opinions. We are not affiliated with the users who provide testimonials, and users are not paid or otherwise compensated for their testimonials.

16. Limitation of Liability. IN NO EVENT SHALL MAA BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, INDIRECT, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LOSS OF GOODWILL OR BUSINESS REPUTATION, BUSINESS INTERRUPTION, LOSS OF DATA, OR LOSS OF BUSINESS INFORMATION) ARISING OUT OF OR RELATED IN ANY WAY WITH THIS AGREEMENT OR THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS, OR FOR ANY CLAIM BY ANY THIRD PARTY (INCLUDING FOR INTELLECTUAL PROPERTY INFRINGEMENT), EVEN IF MAA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE TOTAL LIABILITY OF MAA TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO MAA IN THE THREE (3) MONTHS PRIOR TO THE EVENT CAUSING LIABILITY.
17. Exclusive Remedy. Your sole right and exclusive remedy for breach of this Agreement by MAA if You are dissatisfied for any reason with the Services, Products and Digital Programs is to terminate this Agreement as provided herein and obtain a refund in accordance with Section 6 above.
18. Term and Termination. The term of this Agreement shall commence: (i) For single seat direct purchases via web or phone the term begins at time of purchase; (ii) For subscriptions purchased via activation code, including, via promotion, resellers or multi-seat purchases, the term begins upon activation of the first activation or thirty (30) days from the date of purchase, whichever occurs first.
19. Choice of Law, Venue and Jurisdiction. This Agreement is entered into in the State of Georgia and shall be governed by and construed in accordance with the laws of the State of Georgia, exclusive of its choice of law rules. Each party to this Agreement submits to the exclusive jurisdiction and venue of the state and federal courts sitting in Fulton County, Georgia, and waives any jurisdictional, venue, or inconvenient forum objections to such courts. In any action to enforce this Agreement, the prevailing party will be entitled to costs and attorneys’ fees. In the event that any of the terms and conditions are held by a court or other tribunal of competent jurisdiction to be unenforceable, those provisions shall be limited or eliminated to the minimum extent necessary, so that the remaining terms and conditions shall otherwise remain in full force and effect.
20. Class Action Waiver. Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and MAA agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.
21. General Terms. Your rights and obligations under this Agreement may not be assigned or transferred without the written permission of MAA and any assignment or transfer in violation of this provision shall be null and void. If any provision of this Agreement is determined to be invalid, all other provisions will remain in force. Notice or other communication between You, and MAA may be given by conventional first-class mail or by email. Notices sent by first-class mail are effective on the fifth (5^th) day after mailing. Notices sent by email are effective the next business day after they are sent. YOU ACKNOWLEDGE THAT YOU HAVE READ AND ACCEPT THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS AND THE TERMS AND CONDITIONS OF THE USE POLICY, YOU MAY CHOOSE NOT TO BECOME A USER OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS.

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