Date Effective: September, 2016

General

This website (the "Site") is owned and operated by CLEVER INVESTOR, LLC by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, our Refund Policy and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from CLEVER INVESTOR. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to change these Terms of Service or to impose new conditions on use of the Site, from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.

Intellectual Property Rights

Our Limited License to You. This Site and all the materials available on the Site are the property of us and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal noncommercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us. More specifically, unless explicitly authorized in these Terms of Service or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site. You may, however, from time to time, download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

Your License to Us. By posting or submitting any material (including, without limitation, comments, blog entries, Facebook postings, photos and videos) to us via the Site, internet groups, social media venues, or to any of our staff via email, text or otherwise, you are representing: (i) that you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and (ii) that you are thirteen years of age or older. In addition, when you submit, email, text or deliver or post any material, you are granting us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose. The foregoing grant shall include the right to exploit any proprietary rights in such posting or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. Also, in connection with the exercise of such rights, you grant us, and anyone authorized by us, the right to identify you as the author of any of your postings or submissions by name, email address or screen name, as we deem appropriate.

You acknowledge and agree that any contributions originally created by you for us shall be deemed a “work made for hire” when the work performed is within the scope of the definition of a work made for hire in Section 101 of the United States Copyright Law, as amended. As such, the copyrights in those works shall belong to CLEVER INVESTOR from their creation. Thus, CLEVER INVESTOR shall be deemed the author and exclusive owner thereof and shall have the right to exploit any or all of the results and proceeds in any and all media, now known or hereafter devised, throughout the universe, in perpetuity, in all languages, as CLEVER INVESTOR determines. In the event that any of the results and proceeds of your submissions hereunder are not deemed a “work made for hire” under Section 101 of the Copyright Act, as amended, you hereby, without additional compensation, irrevocably assign, convey and transfer to CLEVER INVESTOR all proprietary rights, including without limitation, all copyrights and trademarks throughout the universe, in perpetuity in every medium, whether now known or hereafter devised, to such material and any and all right, title and interest in and to all such proprietary rights in every medium, whether now known or hereafter devised, throughout the universe, in perpetuity. Any posted material which are reproductions of prior works by you shall be co-owned by us.

You acknowledge that CLEVER INVESTOR has the right but not the obligation to use and display any postings or contributions of any kind and that CLEVER INVESTOR may elect to cease the use and display of any such materials (or any portion thereof), at any time for any reason whatsoever.

Limitations on Linking and Framing. You may establish a hypertext link to the Site so long as the link does not state or imply any sponsorship of your site by us or by the Site. However, you may not, without our prior written permission, frame or inline link any of the content of the Site, or incorporate into another website or other service any of our material, content or intellectual property.

Disclaimers

Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites, or the information, products or services offered on or through the sites. In addition, neither we nor affiliates operate or control in any respect any information, products or services that third parties may provide on or through the Site or on websites linked to by us on the Site.

If applicable, any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, are those of the respective authors or distributors, and not CLEVER INVESTOR. Neither CLEVER INVESTOR nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content. Furthermore, CLEVER INVESTOR neither endorses nor is responsible for the accuracy and reliability of any opinion, advice, or statement made on any of the Sites by anyone other than an authorized CLEVER INVESTOR representative while acting in his/her official capacity.

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY CLEVER INVESTOR AND ANY THIRD-PARTY SITES ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS SITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS SITE OR ON THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

You agree at all times to defend, indemnify and hold harmless CLEVER INVESTOR its affiliates, their successors, transferees, assignees and licensees and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees of each from and against any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant set forth herein.

Online Commerce

Certain sections of the Site may allow you to purchase many different types of products and services online that are provided by third parties. We are not responsible for the quality, accuracy, timeliness, reliability or any other aspect of these products and services. If you make a purchase from a merchant on the Site or on a site linked to by the Site, the information obtained during your visit to that merchant's online store or site, and the information that you give as part of the transaction, such as your credit card number and contact information, may be collected by both the merchant and us. A merchant may have privacy and data collection practices that are different from ours. We have no responsibility or liability for these independent policies. In addition, when you purchase products or services on or through the Site, you may be subject to additional terms and conditions that specifically apply to your purchase or use of such products or services. For more information regarding a merchant, its online store, its privacy policies, and/or any additional terms and conditions that may apply, visit that merchant's website and click on its information links or contact the merchant directly. You release us and our affiliates from any damages that you incur, and agree not to assert any claims against us or them, arising from your purchase or use of any products or services made available by third parties through the Site.

Your participation, correspondence or business dealings with any third party found on or through our Site, regarding payment and delivery of specific goods and services, and any other terms, conditions, representations or warranties associated with such dealings, are solely between you and such third party. You agree that CLEVER INVESTOR shall not be responsible or liable for any loss, damage, or other matters of any sort incurred as the result of such dealings.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Site. You agree to use the Site and to purchase services or products through the Site for legitimate, non-commercial purposes only. You also agree not to make any purchases for speculative, false or fraudulent purposes or for the purpose of anticipating demand for a particular product or service. You agree to only purchase goods or services for yourself or for another person for whom you are legally permitted to do so. When making a purchase for a third party that requires you to submit the third party's personal information to us or a merchant, you represent that you have obtained the express consent of such third party to provide such third party's personal information.

Interactive Features

This Site may include a variety of features, such as bulletin boards, web logs, chat rooms, and email services, which allow feedback to us and real-time interaction between users, and other features which allow users to communicate with others. Responsibility for what is posted on bulletin boards, web logs, chat rooms, and other public posting areas on the Site, or sent via any email services on the Site, lies with each user - you alone are responsible for the material you post or send. We do not control the messages, information or files that you or others may provide through the Site. It is a condition of your use of the Site that you do not:

  • Restrict or inhibit any other user from using and enjoying the Site.
  • Use the Site to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
  • Interfere with or disrupt any servers or networks used to provide the Site or its features, or disobey any requirements, procedures, policies or regulations of the networks we use to provide the Site.
  • Use the Site to instigate or encourage others to commit illegal activities or cause injury or property damage to any person.
  • Gain unauthorized access to the Site, or any account, computer system, or network connected to this Site, by means such as hacking, password mining or other illicit means.
  • Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Site.
  • Use the Site to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
  • Use the Site to post or transmit any information, software or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or that is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or rights holder.
  • Use the Site to post or transmit any information, software or other material that contains a virus or other harmful component.
  • Use the Site to post, transmit or in any way exploit any information, software or other material for commercial purposes, or that contains advertising.
  • Use the Site to advertise or solicit to anyone to buy or sell products or services, or to make donations of any kind, without our express written approval.
  • Gather for marketing purposes any email addresses or other personal information that has been posted by other users of the Site.

CLEVER INVESTOR may host message boards, chats and other public forums on its Sites. Any user failing to comply with the terms and conditions of this Agreement may be expelled from and refused continued access to, the message boards, chats or other public forums in the future. CLEVER INVESTOR or its designated agents may remove or alter any user-created content at any time for any reason. Message boards, chats and other public forums are intended to serve as discussion centers for users and subscribers. Information and content posted within these public forums may be provided by CLEVER INVESTOR staff, CLEVER INVESTOR's outside contributors, or by users not connected with CLEVER INVESTOR, some of whom may employ anonymous user names. CLEVER INVESTOR expressly disclaims all responsibility and endorsement and makes no representation as to the validity of any opinion, advice, information or statement made or displayed in these forums by third parties, nor are we responsible for any errors or omissions in such postings, or for hyperlinks embedded in any messages. Under no circumstances will we, our affiliates, suppliers or agents be liable for any loss or damage caused by your reliance on information obtained through these forums. The opinions expressed in these forums are solely the opinions of the participants, and do not reflect the opinions of CLEVER INVESTOR or any of its subsidiaries or affiliates.

CLEVER INVESTOR has no obligation whatsoever to monitor any of the content or postings on the message boards, chat rooms or other public forums on the Sites. However, you acknowledge and agree that we have the absolute right to monitor the same at our sole discretion. In addition, we reserve the right to alter, edit, refuse to post or remove any postings or content, in whole or in part, for any reason and to disclose such materials and the circumstances surrounding their transmission to any third party in order to satisfy any applicable law, regulation, legal process or governmental request and to protect ourselves, our clients, sponsors, users and visitors.

Registration

To access certain features of the Site, we may ask you to provide certain demographic information including your gender, year of birth, zip code and country. In addition, if you elect to sign-up for a particular feature of the Site, such as chat rooms, web logs, or bulletin boards, you may also be asked to register with us on the form provided and such registration may require you to provide personally identifiable information such as your name and email address. You agree to provide true, accurate, current and complete information about yourself as prompted by the Site's registration form. If we have reasonable grounds to suspect that such information is untrue, inaccurate, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). Our use of any personally identifiable information you provide to us as part of the registration process is governed by the terms of our Privacy Policy.

Passwords

To use certain features of the Site, you will need a username and password, which you will receive through the Site's registration process. You are responsible for maintaining the confidentiality of the password and account, and are responsible for all activities (whether by you or by others) that occur under your password or account. You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information.

Limitation of Liability

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING OUR MESSAGING, BLOGS, COMMENTS OF OTHERS, BOOKS, EMAILS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE OR BY US IN ANY WAY, EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.) YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE'S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES AND/OR MATERIALS.

THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND CLEVER INVESTOR MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS OR APPROPRIATENESS FOR ANY PURPOSE.

WITH REGARDS TO FINANCIAL CONTENT ON THE SITE:

NEITHER CLEVER INVESTOR NOR ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS AND AGENTS ARE FINANCIAL ADVISERS AND NOTHING CONTAINED ON THE SITE IS INTENDED TO BE OR TO BE CONSTRUED AS FINANCIAL ADVICE.

CLEVER INVESTOR IS NOT AN INVESTMENT ADVISORY SERVICE, IS NOT AN INVESTMENT ADVISER, AND DOES NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A FINANCIAL ADVISOR. CLEVERINVESTOR.COM EXISTS FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND INFORMATION CONTAINED HEREIN ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY.

THE EDUCATION AND INFORMATION PRESENTED HEREIN IS INTENDED FOR A GENERAL AUDIENCE AND DOES NOT PURPORT TO BE, NOR SHOULD IT BE CONSTRUED AS, SPECIFIC ADVICE TAILORED TO ANY INDIVIDUAL. YOU ARE ENCOURAGED TO DISCUSS ANY OPPORTUNITIES WITH YOUR ATTORNEY, ACCOUNTANT, FINANCIAL PROFESSIONAL OR OTHER ADVISOR.

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SPOKERSPERSONS: Josh Altman, Barbara Corcoran and Cody Sperber are compensated spokespersons/endorsers of Clever Investor programs and products.

The information contained in this program (including but not limited to content in any format) is based on sources and information reasonably believed to be accurate as of the time it was recorded or created. However, this material deals with topics that are constantly changing and are subject to ongoing changes related to technology and the market place as well as legal and related compliance issues. Therefore, the completeness and current accuracy of the materials cannot be guaranteed. These materials do not constitute legal, compliance, financial, tax, accounting, or related advice.

The end user of this information should therefore use the contents of this program and the materials as a general guideline and not as the ultimate source of current information and when appropriate the user should consult their own legal, accounting or other advisors.

Any case studies, examples, illustrations cannot guarantee that the user will achieve similar results. In fact, your results may vary significantly and factors such as your market, personal effort and many other circumstances may and will cause results to vary.

THE INFORMATION PROVIDED IN THIS PRODUCT IS SOLD AND PROVIDED ON AN “AS IS” BASIS. CLEVER INVESTOR, LLC DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED HEREIN.THOSE RESULTS ARE YOUR RESPONSIBILITY AS THE END USER OF THE PRODUCT. (SOME STATES DO NOT ALLOW LIMITED WARRANTIES, SO THIS MAY NOT APPLY TO YOU.) IN PARTICULAR, CLEVER INVESTOR SHALL NOT BE LIABLE TO USER OR ANY OTHER PARTY FOR ANY DAMAGES, OR COSTS, OF ANY CHARACTER INCLUDING BUT NOT LIMITED TO DIRECT OR INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR OTHER COSTS OR DAMAGES, IN EXCESS OF THE PURCHASE PRICE OF THE PRODUCT OR SERVICES. THESE LIMITATIONS MAY BE AFFECTED BY THE LAWS OF PARTICULAR STATES AND JURISDICTIONS AND AS SUCH MAY BE APPLIED IN A DIFFERENT MANNER TO A PARTICULAR USER.

Termination

We may cancel or terminate your right to use the Site or any part of the Site at any time without notice. In the event of cancellation or termination, you are no longer authorized to access the part of the Site affected by such cancellation or termination. The restrictions imposed on you with respect to material downloaded from the Site, and the disclaimers and limitations of liabilities set forth in these Terms of Service, shall survive.

Refund Policy

Your purchase of a product or service or ticket to an event may or may not provide for any refund. Each specific product, service, event or course will specify its own refund policy.

Other

The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by CLEVER INVESTOR infringe your copyright, you, or your agent may send to CLEVER INVESTOR a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon CLEVER INVESTOR actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send to CLEVER INVESTOR a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. CLEVER INVESTOR's Copyright Agent for notice of claims of copyright infringement or counter notices can be reached as follows: Info@cleverinvestor.com.

This Agreement shall be binding upon and inure to the benefit of CLEVER INVESTOR and our respective assigns, successors, heirs, and legal representatives. Neither this Agreement nor any rights hereunder may be assigned without the prior written consent of CLEVER INVESTOR Notwithstanding the foregoing, all rights and obligations under this Agreement may be freely assigned by CLEVER INVESTOR to any affiliated entity or any of its wholly owned subsidiaries.

Dispute Resolution:

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Arizona and any dispute shall be subject to binding arbitration in Tempe, Arizona. If any provision of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

Class Action Waiver

You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations aren't allowed.

The arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a class or representative proceeding or claims (such as a class action, consolidated action or private attorney general action) unless all relevant parties specifically agree to do so following initiation of the arbitration.

Severability

If any clause within this Provision (other than the Class Action Waiver clause above) is found to be illegal or unenforceable, that clause will be severed from this Provision, and the remainder of this Provision will be given full force and effect. If the Class Action Waiver clause is found to be illegal or unenforceable, this entire Provision will be unenforceable and the dispute will be decided by a court.

6. Viewing Sites Content

In using the Sites, you may access and be exposed to Content Uploaded by others that is inaccurate, incomplete, indecent, offensive, or otherwise objectionable. Uploaded Content is the sole responsibility of the person who Uploaded it. You will not hold CleverInvestor.com responsible for the actions or inactions of Members or users, including without limitation any Uploaded Content. CleverInvestor.com does not pre-screen, edit, or review Content Uploaded to CleverInvestor.com archives or publicly-available areas of the Sites. If CleverInvestor.com is notified by a user, Member, or Content owner of Content posted on the Sites or in connection with the Site that allegedly does not conform to this Agreement, CleverInvestor.com may investigate the allegation and determine in good faith, in CleverInvestor.com's sole discretion, whether to remove or block access to such Content.

7. Communication and Links

Upon registering to receive the newsletter by signing up to receive a ‘Free eBook’, or any other type of free promotion, Users agree that CleverInvestor.com may send electronic mail to you for the purpose of advising you of changes or additions to the Sites, about any of CleverInvestor.com products or services, or for such other purpose(s) as CleverInvestor.com deems appropriate. CleverInvestor.com is not to be held liable for any communication from the Sites for a user that has disclosed contact information to CleverInvestor.com.

8. Inaccuracy Disclaimer

From time to time there may be information on Site that contains typographical errors, inaccuracies, or omissions that may relate to product descriptions, pricing, and availability. This is going to happen most frequently with affiliates, who change prices and products often. CleverInvestor.com is not responsible for satisfying any product prices or availability if incorrect on our website. Shipping by CleverInvestor is via USPS and usually arrives within 10 business days. ANY TIME A PRODUCT IS POSTED THAT LINKS TO AN OUTSIDE AFFILIATE WEBSITE, USERS SHOULD REFER TO THE AFFILATE INFORMATION. If there is a discrepancy with an item marked as a CleverInvestor.com product, such as a product no longer being available, you will be notified and immediately refunded when applicable. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice (including after you have submitted your order). We apologize for any inconvenience this may cause you.

9. Code of Conduct

You agree that you will not, and it shall be a violation of this Agreement to: Upload, copy, distribute, share, sell, create derivative works of, or otherwise alter or use any Content, in whole or in part, for any purpose whatsoever except as expressly authorized in this Agreement; and to do so in any manner exceeding the scope of your rights to use such Content (e.g., license rights associated with premium content or subscription-based materials), without permission from the Content owner, or otherwise in violation of another person's rights to such Content. Upload, copy, distribute, share, or otherwise use Content that is unlawful, obscene, defamatory, libelous, harmful, offensive or hateful on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability, harassing, degrading, pornographic, threatening, intimidating, abusive, that would violate another person's rights, constitute or encourage a criminal offense, give rise to civil liability, or violate any local, state, national, or international law or regulation, or that is otherwise inappropriate. Upload, copy, distribute, share, or otherwise use Content that constitutes advertising or promotional material, if posted in areas of CleverInvestor.com which are not designated for such purposes (e.g., not in the classified ads), or if "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of unsolicited or unauthorized commercial communication, or that constitutes or generates unauthorized banner ads, pop-ups, pop- unders, and interstitials. To protect our Members from such advertising or solicitation, CleverInvestor.com reserves the right to (among other things) restrict the number of e-mails that a Member may send to other Members in any 24-hour period, to a number that CleverInvestor.com deems appropriate in its sole discretion. If you violate this Agreement and transmit unsolicited bulk e-mail, instant messages, or any other unsolicited communications through the Sites, you acknowledge that you will have caused CleverInvestor.com substantial harm, but that the amount of the harm would be extremely difficult to determine. Accordingly, as a reasonable estimation of such harm, you agree to pay CleverInvestor.com fifty dollars (US$50.00) for each such unsolicited e-mail or other communication that you transmit through the Sites. Upload, copy, distribute, share, or otherwise use Content that contains or embodies software viruses, worms, Trojan horses, bugs, or any other malicious computer code that is designed to interrupt, undermine, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment, or that is designed to perform functions on any software, hardware, or equipment without the owner's express consent. Upload, copy, distribute, share, or otherwise use Content that violates the Fair Housing Act by stating, in any ad or notice for the sale or rental of any dwelling, a discriminatory preference based on race, color, national origin, religion, sex, familial status, or handicap (or violates any state or local law prohibiting discrimination on the basis of these or other characteristics). Upload, copy, distribute, share, or otherwise use Content that is false, deceptive, misleading, deceitful, misinformative, or constitutes "bait and switch". Upload, copy, distribute, share, or otherwise use Content that advertises any illegal service or the sale of any items the sale of which is prohibited or restricted by any applicable law, including without limitation items the sale of which is prohibited or regulated by Arizona law. Many laws, policies, and regulations in various jurisdictions regulate the purchase and sale of goods and services. You are encouraged to research the applicable laws and regulations that may apply to your transaction. For your convenience, here is a partial list, for illustrative purposes only, of some categories of prohibited and restricted items, the purchase and sale of which are forbidden on CleverInvestor.com:

  • (1) Child pornography or obscene material;
  • (2) Alcohol or tobacco products;
  • (3) Controlled substances or illegal drugs, substances and items used to manufacture controlled substances and drug paraphernalia;
  • (4) Prescription drugs and medical devices, such as prescription or contact lenses, hearing aids, defibrillators, or hypodermic needles;
  • (5) Nonprescription drugs that make false or misleading treatment claims or treatment claims that require FDA approval;
  • (6) Weapons and related items, including firearms, ammunition, silencers, sniper scopes, large capacity magazines, disguised, undetectable or switchblade knives, martial arts weapons, BB guns, stun guns, or tear gas;
  • (7) Fireworks, including "safe and sane" fireworks or any destructive explosives or devices;
  • (8) Blood, bodily fluids, or body parts;
  • (9) Animals and animal parts, including the retail sales of dogs and cats;
  • (10) Restricted or regulated plants and insects, such as noxious weeds, endangered plant species, or live insects or pests;
  • (11) Pesticides or hazardous substances, or items containing hazardous substances such as contaminated toys, or arts or crafts materials containing toxic substances without a warning label;
  • (12) Illegal telecommunications equipment, such as cable or satellite descramblers, password sniffers, access cards, access card programmers and unloopers;
  • (13) Stolen property or personal property with the serial number altered or removed;
  • (14) Burglary tools, such as lock-picks or motor vehicle master keys;
  • (15) False identification cards, citizenship documents, birth certificates, or items with police insignia;
  • (16) Counterfeit currency, stamps, and coins, and equipment designed to produce them;
  • (17) Counterfeit or "knock- off" brand name goods;
  • (18) Material that infringes copyright, such as "warez" or bootlegs (without artist consent);
  • (19) Airline tickets that restrict transfer;
  • (20) Gambling items, such as lottery tickets, raffle tickets, sweepstakes entries, slot machines, or sports trading card 'grab bags';
  • (21) Used or rebuilt batteries, or batteries containing mercury;
  • (22) Used bedding and clothing, unless sanitized as required by law;
  • (23) Non-packaged food items or adulterated food;
  • (24) Bulk e-mail or mailing lists that contain names, e- mails, phone numbers, addresses, or other personal identifying information. Include in your Member profile any telephone number, street address, last name, URL, or e-mail address. Disclose your password or transfer your account to any third party, or allow any third party to access your account. Impersonate any person or entity, including without limitation CleverInvestor.com officials, staff, and/or Members. Upload, copy, distribute, share, or otherwise use Content that includes personal or identifying information about another person without that person's explicit consent. Access the Sites by any means other than through the interface provided by CleverInvestor.com for use in accessing the Sites.

This includes not using or launching any automated system, including without limitation any spider, robot (or "bot"), scraper, or offline reader, that accesses the Sites in a way that sends more request messages to the CleverInvestor.com servers in a given time period than a human reasonably can produce in the same time period using a conventional online Web browser; and not using or launching any unauthorized script to add friends. Notwithstanding this, CleverInvestor.com grants the operators of general purpose Internet search engines permission to use spiders to copy Content from the Sites for the sole purpose of creating publicly available, searchable indices of such Content, but not caches or archives of such Content. ("General purpose Internet search engine" does not include a web site or search engine or other service that specializes in classified listings or in any subset thereof, such as jobs, housing, for sale, services, or personals, or that is in the business of providing classified ad listing services.) CleverInvestor.com reserves the right to revoke these exceptions, in general or specific instances. Interfere with or disrupt the Sites or servers or networks connected to the Sites, make the Sites available over a network (other than CleverInvestor.com's network) where it could be used by others, or disobey any requirements, procedures, policies, or regulations of networks connected to the Sites. Use the Sites to artificially generate traffic or page links to a Web site or for any other purpose not intended for personal, noncommercial use of the Sites. Cover or obscure any banner or other advertisements on any CleverInvestor.com page via HTML/CSS or other means. Collect, harvest, or store any personally identifiable information, including Member account information, from the Sites. Translate, reverse engineer, decompile, disassemble, modify, or create derivative works based on the Sites, in whole or in part. Circumvent, disable, violate, or otherwise interfere with any security related feature of the Sites, or any technology or feature that restricts or prevents copying or use of Content or that enforces limitations on use of the Sites or Content. Rent, lease, sublicense, transfer, sell, trade, resell, or exploit for any commercial purposes, any portion of the Sites (including without limitation your account information), use of the Sites, or access to the Sites. Use the Sites to harass or "stalk" anyone. Upload Content that exploits anyone under the age of 18 in a sexual or violent manner, or that solicits personally identifiable information from anyone under the age of 18. Use the Sites in any way to provide material support or resources (or to conceal or disguise the source, location, nature, or ownership of material support or resources) to any organization designated by the U.S. government as a foreign terrorist organization under section 219 of the Immigration and Nationality Act, 8 U.S.C. 1189. Use the Sites in any way that violates the terms of this Agreement, or that aids, encourages, or purports to authorize anyone else to violate the terms of this Agreement. Use the Sites in any way that intentionally or unintentionally violates any applicable local, state, national, or international law or regulation.

10. Member disputes

You are solely responsible for your interaction with other CleverInvestor.com Members or users, whether online or offline. CleverInvestor.com reserves the right, but has no obligation, to monitor or become involved in disputes between you and other Members or users. If you have a dispute with one or more Members or users, you release CleverInvestor.com (and our officers, directors, agents, employees, subsidiaries, and affiliates) from claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such dispute. If you are a California resident, you waive California Civil Code Section 1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

11. Agreement Details

This Agreement is effective unless and until terminated by either you or CleverInvestor.com. You may terminate this Agreement at any time. CleverInvestor.com also may terminate this Agreement at any time and may do so immediately without notice, and accordingly deny you access to the Sites, if in CleverInvestor.com’s sole discretion you fail to comply with any term or provision of this Agreement. Upon any termination of this Agreement by either you orCleverInvestor.com, you must promptly destroy all materials downloaded or otherwise obtained from this Sites, as well as all copies of such materials, whether made under the terms of this Agreement or otherwise. This Agreement shall be construed in accordance with the laws of the State of Arizona, without regard to any conflict of law provisions. Any dispute arising under this Agreement shall be resolved exclusively by the state and federal courts of the State of Arizona.

12. Deal Splits or Partnering

No customer (student) of Clever Investor, LLC, including but not limited to buyers/users of any of its educational products, educational events, business tools, etc, will ever partner with Clever Investor, LLC on any sort of real estate transactions in any way. Any reference given to "partnering" or "deal splitting" with Cody Sperber or his company will be done outside of Clever Investor, LLC with entities in no way connected with Clever Investor, LLC. This referral of "deals" or "properties" or business of any kind to business entitities outside of Clever Investor, LLC will in no way effect Clever Investor, LLC including but not limiting financial gains or losses or any legal issues or problems occurring from business conducted as an effect of the referrals. No rights, responsibilities or benefits referred to in sales materials, membership websites or educational materials in regards to real estate transactions with Cody Sperber or his team is in any way connected to Clever Investor, LLC which is a company that offers education and tools for business owners to conduct business on their own behalf completely independent of Clever Investor, LLC. Clever Investor, LLC stands to gain no benefit or loss from any transaction of its students, customers or clients and any benefit or obligation will refer to companies outside of Clever Investor, LLC and details as to which company deal splits or partnership arrangements will be provided within materials provided to customers of Clever Investor, LLC within the educational or membership materials provided by Clever Investor, LLC. By purchasing a Clever Investor, LLC product or service you confirm that you understand that the Company will in no way partner with you on any form of real estate transaction and the will not be liable in any way for your real estate dealings. Clever Investor LLC is NOT a real estate investment company, and does not engage in the purchase, sale or rental of any real property. Clever Investor LLC is an education company engaged in providing real estate investing education in various investing niches. Any opinions given by any member or staff of Clever Investor LLC in regards to a specific real estate investment or transaction are the opinion of that member or staff and do not represent the opinion of Clever Investor LLC, nor are they to be taken as legal or professional advice. Consult an attorney or other qualified professional for advice regarding any specific real estate investment transactions.

13. Refund Policy/Instructions (Be sure to reference the correct product listed below)

Professional Membership and Start Closing Deals Premium package: CleverInvestor.com has an unconditional 30 Day, No Risk, Money Back Guarantee, which makes your purchase completely risk-free. Because we offer a 30 day trial for your Professional Membership, we do not give refunds if you cancel after the 30 days. All refunds must be requested at least 5 business days before the 30 day trial period is over. If, for some reason, you feel there was an error on our part, and you requested the refund within that time period, please contact us at: customerservice@CleverInvestor.com so that we may attempt to rectify the problem. In the event that you want to request a refund within the 30 day trial period, please contact us at customerservice@CleverInvestor.com. Again all refunds must be requested at least 5 business days before the monthly billing date. Approved refunds will be processed after all materials that are due to be returned are received by us. Once the cancellation has been processed you will receive a confirmation via email. This confirmation will include the return address to ship any materials that need to be returned in order for you to receive the approved refund. If you do not receive a confirmation of your refund request from us via email, please notify CleverInvestor.com at customerservice@CleverInvestor.com, as that is the only valid receipt of cancellation.

Fast Track Profit System:

CleverInvestor.com has an unconditional 30 Day, No Risk, Money Back Guarantee, which makes your purchase completely risk-free. Because we offer a 30 day trial for this program, we do not give refunds if you cancel after the 30 days. All refunds must be requested within 30 days from the date of Purchase. If, for some reason, you feel there was an error on our part, and you requested the refund within that time period, please contact us at: customerservice@CleverInvestor.com so that we may attempt to rectify the problem. In the event that you want to request a refund within the 30 day trial period, please contact us at customerservice@CleverInvestor.com. Again all refunds must be requested within 30 days from the date of purchase. Approved refunds will be processed after all materials that are due to be returned are received by us. Once the cancellation has been processed you will receive a confirmation via email. This confirmation will include the return address to ship any materials that need to be returned in order for you to receive the approved refund. If you do not receive a confirmation of your refund request from us via email, please notify CleverInvestor.com at customerservice@CleverInvestor.com, as that is the only valid receipt of cancellation. Refunds of Shipping Charges: It is understood that no shipping charges will be refunded unless otherwise stated within the guarantee for the specific product that you are purchasing. Most items will not refund shipping charges.

14. Professional Membership Subscription & Cancellation

When you accept the 30 day trial offer, you are stating that you understand you will be charged a recurring subscription fee of $97 that will commence upon the expiration of your 30 day trial. You also understand that the recurring monthly charges will be billed thirty days out following the first monthly charge and will continue to be charged until you cancel. All subscriptions must be canceled at least 5 business days before the monthly billing date to avoid further charges. To cancel your Professional Membership, contact us at customerservice@CleverInvestor.com. Once the cancellation has been processed you will receive a confirmation via email. This confirmation will include all instructions, including a return address for any materials that need to be returned if a refund is approved to take place. If you do not receive a confirmation, please notify CleverInvestor.com at customerservice@CleverInvestor.com, as that is the only valid receipt of cancellation. Canceling your subscription does not guarantee a refund, per the above refund policy terms stated above. You agree that all sales are final after 30 days of purchase and you will not contact your credit card company after the 30 day refund period has expired.

15. Duty to Read

You accept that under this agreement you have a duty to read this refund policy and have in fact done so. Your purchase of the 30 day trial period attests to this duty. Furthermore, you understand and accept that you are stopped from using lack of reading this policy as a defense against all remedies so contained herein.

16. Indemnification

YOU AGREE TO INDEMNIFY AND HOLD HARMLESS CLEVER INVESTOR LLC D.B.A. CLEVERINVESTOR.COM, ITS OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUBSIDIARIES, AND AFFILIATES FROM ANY CLAIM, SUIT, ACTION, DEMAND, LOSS, AND DAMAGES, INCLUDING WITHOUT LIMITATION ATTORNEYS' FEES, COSTS, AND EXPENSES, MADE OR INCURRED BY ANY THIRD PARTY ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, ANY CONTENT THAT YOU UPLOAD, YOUR USE OF CONTENT ACCESSED FROM THE SITES OR SERVICE, YOUR VIOLATION OF THIS AGREEMENT, AND/OR YOUR VIOLATION OF ANY THIRD-PARTY RIGHTS.

17. General Disclaimer

THE SITES AND ALL CONTENTS OF THE SITES ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITES, THAT YOUR USE OF THE SITES IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF OUR SITES, AND THAT CLEVERINVESTOR.COM SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF THE SITES. MOREOVER, YOU SPECIFICALLY INDEMNIFY CLEVERINVESTOR.COM AGAINST ANY LEGAL ACTION OF ANY NATURE, BROUGHT BY A THIRD PARTY AGAINST US INCLUDING, BUT NOT LIMITED TO COPYRIGHT, TRADEMARK AND PRIVACY INFRINGEMENT. AT CLEVERINVESTOR.COM’S OPTION YOU SHALL EITHER DEFEND CLEVERINVESTOR.COM AGAINST SUCH ACTION OR RIEMBURSE CLEVERINVESTOR.COM FOR THE COST OF DEFENSE INCLUDING, BUT NOT LIMITED TO ANY FINES, JUDGEMENTS, SANCTIONS OR OTHER PENALTIES.