PURCHASE AND HOLD-HARMLESS AGREEMENT

PLEASE READ THIS ONLINE PURCHASE AND HOLD HARMLESS AGREEMENT (THE “AGREEMENT”) CAREFULLY BEFORE USING ANY OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS, PRODUCTS OR SERVICES OFFERED BY MILLIONAIRE AGENT ACADEMY, LLC DBA GENIUS AGENT NETWORK, (“GAN”) DESCRIBED BELOW. BY PLACING AN ORDER, PURCHASING ANY SERVICES, PRODUCTS AND DIGITAL PROGRAMS, 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.

1. Definitions. As used herein, the following terms shall have the following meanings:
   • “GENIUS Delivery Fee” shall mean the fees GAN charges for the GENIUS Monthly Newsletter, the supplemental weekly videos and email access for questions on an ongoing basis, upon the terms set forth in Section 2 hereof.
   • “GENIUS Marketing Blueprint Fee” shall mean the fees GAN charges for the GENIUS Agent Marketing Blueprint course, the ongoing course materials and email access for questions on an ongoing basis, upon the terms set forth in Section 2 hereof.
   • “Member” shall mean each individual that purchases any of the Services, through this website and is current on his or her Membership Fees.
   • “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.
   • “Membership Fees” shall mean both the GENIUS Marketing Blueprint Fee, GENIUS Delivery Fee and the Monthly fees, as well as all other fees due under this Agreement.
   • “Monthly Fees” shall mean any of the fees GAN charges (excluding the GENIUS Marketing Blueprint Fee and/or GENIUS Delivery Fee) for any Services that GAN provides You on an ongoing basis.
   • “GENIUS Agent Network” or “GAN” shall mean GENIUS Agent Network and Millionaire Agent Academy, LLC, as well as the subsidiaries, affiliates, employees, contractors, attorneys, officers, agents and directors of each. Any reference to either GENIUS Agent Network or GAN shall also refer to Millionaire Agent Academy, LLC. Notwithstanding the foregoing, You understand, acknowledge and agree that Millionaire Agent Academy, LLC and GENIUS Agent Network are not separate and distinct legal entities. When used herein, the term “GAN” is intended to refer to both Millionaire Agent Academy, LLC and its DBA GENIUS Agent Network purely for the sake of convenience.
   • “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 GAN through the Site; such Services shall include, but not be limited to, GENIUS physical newsletter subscription, the supplemental videos and access to the GENIUS Agent Marketing Blueprint creator for questions and answers about related content via email, GENIUS +, the ongoing video course and access to the GENIUS Marketing Blueprint creator for answers to questions about related content via email. Any future Services created, marketed or offered by GAN 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.
   • “Site” shall mean GENIUS Agent Network’s website located at geniusagentnetwork.com, as well as any other website owned or operated by GAN, its subsidiaries or affiliates.
   • “Supplemental Materials” shall mean any and all educational, training, promotional, sales, or other materials provided to You by GAN through the Site, the Services, Products and Digital Programs or otherwise.

2. GENIUS Advisor. By selecting the GENIUS Advisor, You are agreeing to pay (i) the GENIUS Advisor fee in the amount of $68 per month, per user, for Your subscription. Your subscription consists of the newsletter delivered to You monthly, weekly video tips and access to the GENIUS Advisor creator for questions and answers about related content via email. (ii) You are also agreeing to be automatically charged the GENIUS Advisor Fee described in this paragraph unless and until You cancel Your Membership in accordance herewith, and You agree to allow GAN to process each monthly payment through the credit card(s) that You provide. For your protection and for verification purposes, all cancellation and refund requests must be emailed to team@geniusagentnetwork.com. No refunds or cancellations will be issued via telephone. Your cancellation will stop future billing for Your subscription, beginning on the next scheduled billing date following the date of cancellation. You will not under any circumstances receive a refund of any payment previously made by You pursuant to this Agreement beyond 60 days.

• GENIUS Agent Marketing Blueprint. By selecting the GENIUS Agent Marketing Blueprint course, You are agreeing to pay (i) the GENIUS Agent Marketing Blueprint enrollment price of $320 (ii) The GENIUS Agent Marketing Blueprint Fee in the amount of $67 per month, per user, for Your GENIUS Membership. Your membership consists of updated course materials delivered to You monthly via the member’s section, and access to the GENIUS Marketing Blueprint creator for questions and answers about related content via email. (iii) You are also agreeing to be automatically charged the GENIUS Marketing Blueprint Fee described in this paragraph unless and until You cancel Your Membership in accordance herewith, and You agree to allow GAN to process each monthly payment through the credit card(s) that You provide. For your protection and for verification purposes, all cancellation and refund requests must be emailed to team@geniusagentnetwork.com. No refunds or cancellations will be issued via telephone. Your cancellation will stop future billing for Your subscription, beginning on the next scheduled billing date following the date of cancellation. You will not under any circumstances receive a refund of any payment previously made by You pursuant to this Agreement beyond 60 days.

• GENIUS Delivery. By selecting the GENIUS Delivery, You are agreeing to pay (i) the GENIUS Delivery fee in the amount of $67 per month, per user, for Your subscription. Your subscription consists of the booklet delivered to You monthly, weekly video tips and access to the GENIUS Delivery creator for questions and answers about related content via email. (ii) You are also agreeing to be automatically charged the GENIUS Delivery Fee described in this paragraph unless and until You cancel Your Membership in accordance herewith, and You agree to allow GAN to process each monthly payment through the credit card(s) that You provide. For your protection and for verification purposes, all cancellation and refund requests must be emailed to team@geniusagentnetwork.com. No refunds or cancellations will be issued via telephone. Your cancellation will stop future billing for Your subscription, beginning on the next scheduled billing date following the date of cancellation. You will not under any circumstances receive a refund of any payment previously made by You pursuant to this Agreement beyond 60 days.
• GENIUS +. By selecting the GENIUS + service, You are agreeing to all the terms of the GENIUS Enrollment program above and you are paying $499 to receive personal 1:1 instruction form a GENIUS expert. There are no refunds for the GENIUS + program.
• GENIUS Accel. By selecting the GENIUS Agent Marketing Blueprint course, You are agreeing to all terms of the GENIUS Delivery program above and are paying $997 for “SAM: creation assistance by a GENIUS expert. There are no refunds for the GENIUS Accel program.

3. License. Upon payment of the Membership Fees for particular Services, and subject to the terms of this Agreement, GAN 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, GAN 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 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 from GAN from time to time, especially after purchases. If You do not receive such emails as expected, please contact customer support.
6. No Refunds Beyond 60 Days. YOU WILL NOT UNDER ANY CIRCUMSTANCES RECEIVE A REFUND OF ANY PAYMENT MADE BY YOU PURSUANT TO THIS AGREEMENT BEYOND 60 DAYS. You may cancel Your subscription at any time in accordance with the terms of Section 2 hereof.
7. In addition to the foregoing, You acknowledge and agree that the terms of this Agreement shall also apply to any and all Services, Products and Digital Programs you purchase or download from or through GAN 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. All pages within the Services, The Site and all its Content (including, but not limited, any material made available for download) are exclusively owned or licensed by GAN 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 GAN. 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 GAN’s Privacy Policy and Terms of Use found on the Site. Any rights not expressly granted by this Agreement are reserved by GAN.
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. Media and Promotional Materials. (a) During the Term of the Agreement, you agree that GAN may use in all media, whether physical or digital, currently existing or later developed (“Media”) throughout the world any materials provided by You to GAN, including, without limitation, photographs, video, audio and voice recordings, letters,  emails and text messages, reviews and other testimonials, and similar materials (“Promotional Materials”), which may contain your picture, photograph, image, name, likeness, voice, or other indicia of identity (“Persona”) for the advertising, marketing, promotion and publicity of GAN products and services. (b) Upon termination of this Agreement, You grant to GAN the non-exclusive right in perpetuity to use in all Media, Promotional Materials and Your Persona in connection with marketing efforts for the benefit of GAN.
11. Site Terms of Use. Your access to and use of the Site are subject to GAN’s Terms of Use provided on the Site. Said Terms of Use and GAN’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 geniusagentnetwork.com. By placing an order, purchasing any Digital Programs or Services 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, Digital Programs, and/or Site. The software, content, availability and access and all other features, attributes or aspects of the Services, Digital Programs, and Site are subject to change, modification, additions or deletions at any time without notice in GAN’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 GAN) or inclusion of advertisements do not constitute an endorsement by GAN (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 Your own 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. GAN does not control such sites, and is not 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 GAN’s Terms of Use and Privacy Policy. GAN expressly disclaims any liability derived from the use and/or viewing of links that may appear on this Site. You hereby agree to hold GAN 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, the GENIUS Monthly Newsletter, The GENIUS Agent Marketing Blueprint course, as well as all other products, materials and services created, sold, and/or otherwise disseminated by GAN are made available only to United States’ citizens or permanent resident aliens, and access thereto is strictly forbidden to any European Union (EU) citizen.
    • 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 GAN and/or its affiliates.
    • 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 GAN 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 team@geniusagentnetwork.com.

15. 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 GAN promptly if You suspect unauthorized use of Your account. Until You notify GAN, You remain solely responsible for such unauthorized use and any damages that may result therefrom. You further agree to notify GAN 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 GAN 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.
16. Prohibited Activities. You may not modify, reverse engineer, or decompile the Site, Content, Services, Supplemental Materials, or 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 except as provided for in this Agreement.

17. Disclaimers:
    • General. Your use of the site, Content, the GAN facebook group, the GENIUS monthly newsletter, video tips and supplemental materials and services, the Supplemental Materials, and participation in email question and answer is optional, however, You are strongly encouraged to participate. Not participating in the email assistance or voluntarily not accessing and utilizing the resources on the site or not reading and using the information in the GENIUS monthly newsletter and supplemental materials and services, or not reaching out to support for information does not constitute Your “not participating in” or “not receiving the GENIUS Newsletter subscription”. You are accepting the Subscription and agreeing to the terms of the Subscription 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 and services 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 PURCHASE or download ANY products or SERVICES. We want You to get the most out of the GENIUS Newsletter monthly newsletter subscription and the GENIUS Agent Marketing Blueprint course 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 ask questions. We truly want You to get the most that You can out of Your GENIUS Newsletter monthly newsletter and/or your GENIUS Agent Marketing Blueprint course. The rest is up to You.
    • 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. GAN 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 GAN 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 and/or Supplemental Materials may be profitable, in others they may not. GAN makes no covenants, representations, warranties or guarantees as to the suitability or profitability of the Services, Products and Digital Programs and/or Supplemental Materials that you receive. You should consider all statements made by representatives of GAN 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 or to use any Supplemental Materials. GAN makes no covenants, certifications, or promises of any financial gain from Your use of the Services, Products and Digital Programs and/or Supplemental materials 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 and/or Supplemental materials; 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 and/or Supplemental Materials. Results in testimonials are not typical. Individual results vary. All content is for informational purposes only.THE SERVICES, DIGITAL PROGRAMS AND SUPPLEMENTAL MATERIALS ARE PROVIDED AS-IS, WITH ALL FAULTS, AND WITHOUT WARRANTY OF ANY KIND. GAN 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. GAN DOES NOT WARRANT THAT THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS AND/OR SUPPLEMENTAL MATERIALS WILL MEET YOUR REQUIREMENTS, OR THAT THE OPERATION OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS AND/OR SUPPLEMENTAL MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS AND/OR SUPPLEMENTAL MATERIALS WILL BE CORRECTED. GAN DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES, PRODUCTS AND DIGITAL PROGRAMS AND/OR SUPPLEMENTAL MATERIALS 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 GAN 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 AND/OR SUPPLEMENTAL MATERIALS. GAN IS NOT RESPONSIBLE FOR TRANSMISSION ERRORS OR CORRUPTION OR SECURITY OF INFORMATION CARRIED OVER TELECOMMUNICATION LINES.
    • No Affiliation. Neither Millionaire Agent Academy nor GAN is an accredited university or school; nor is either a school of any kind at all. Millionaire Agent Academy, LLC is an independent for-profit informational programs and services marketing company. Millionaire Agent Academy, LLC nor GENIUS Agent Network 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 any other type of properties, or distributes them as listing assignments.

18. Limitation of Liability. IN NO EVENT SHALL GAN 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 AND/OR SUPPLEMENTAL MATERIALS, OR FOR ANY CLAIM BY ANY THIRD PARTY (INCLUDING FOR INTELLECTUAL PROPERTY INFRINGEMENT), EVEN IF GAN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE TOTAL LIABILITY OF GAN 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 GAN IN THE THREE (3) MONTHS PRIOR TO THE EVENT CAUSING LIABILITY.

19. Exclusive Remedy. Your sole right and exclusive remedy for breach of this Agreement by GAN if You are dissatisfied for any reason with the Services, Products and Digital Programs is to terminate this Agreement as provided herein and terminate future billing in accordance with Section 2 above.

20. 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.

21. 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.

22. General Terms. Your rights and obligations under this Agreement may not be assigned or transferred without the written permission of GAN 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 GAN 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 AND/OR SUPPLEMENTAL MATERIALS.

If You have any questions whatsoever or if You do not fully understand any of the terms herein please contact us immediately at team@geniusagentnetwork.com or by phone at (404) 424-8418 before making Your purchase, enrolling in any Membership program or downloading any Supplemental Materials. By clicking “I agree” or the acknowledgement checkbox on any order form or “opt-in” form or by placing any order or downloading anything from our site, You hereby accept all in this Agreement, the Terms of Use, Privacy Policy, and our “no refunds” policy contained herein.