Terms of Use/Service

The terms and conditions below (the “Terms”) are what govern your use of the Home Invest Academy’s platform. These Terms are a legal contract between you and Home Invest Academy (“we” or “us”.) They govern your access to, and your use of our website, which (as you know) is located at Home Invest Academy (the “site”). These Terms also govern your use of any services and products we provide, as well as those on the site including but not limited to Homeinvestacademy.com, HomeInvest.com, HomeInvestSchool.com, Home Invest AcademyInvestorEngine.com et al. If you do not agree with any of these Terms, please do not access or otherwise use this site and/or our services and products.  “You” or “Your” refers to you as the contract signer as the Client.  


Your use of this site, services and/or products on this site means that you agree to abide by each of the Terms below. Home Invest Academy may make changes to the services and products offered on this site, at any time and without notice, and Home Invest Academy can change these Terms at any time without notice by posting updated Terms of use here.


If you continue to use the site after such changes have been posted, it means that you agree to the new Terms, even if you have not reviewed the changes. Therefore you really should check the Terms of use posted here periodically for updates and changes.

Funding Program

At Home Invest Academy, we are committed to supporting real estate investors by providing reliable funding solutions for your deals. Our Financing Guarantee ensures that, subject to the terms and conditions outlined below, we will provide funding for your real estate investment project. However, as the specifics of each deal and borrower background vary, we cannot guarantee specific loan terms until we fully evaluate your application.

Our Commitment

We guarantee to provide funding for your real estate investment deal, provided all conditions of this guarantee are met. This commitment reflects our dedication to helping you achieve your investment goals.

Conditions of the Financing Guarantee

To qualify for this guarantee, you must:


1.
Complete Applications with Honesty and Transparency: Submit all required applications, forms, and supporting documents with complete, accurate, and truthful information about the deal, borrower background, and any other relevant details.

2. Provide All Required Documentation: Submit all necessary financial statements, property details, appraisals, title reports, and other documents as requested by Home Invest Academy in a timely manner.

3. Comply with Legal and Regulatory Requirements: Ensure that the proposed deal and all related activities comply with applicable local, state, and federal laws, including zoning, permitting, and lending regulations.

4. Maintain Deal Integrity: Ensure that the deal terms, property details, and borrower information provided at the time of application remain materially unchanged throughout the funding process.

Circumstances Voiding the Financing Guarantee

The Financing Guarantee will be void, and Home Invest Academy will not be obligated to provide funding, under the following circumstances:

1. Omission or Misrepresentation: Any omission, misrepresentation, or falsification of material information in the application or supporting documents, including but not limited to borrower financials, property condition, or deal structure.

2. Incomplete or Insufficient Documentation: Failure to provide all required documents or submission of incomplete, inaccurate, or unverifiable documentation.

3. Material Changes to the Deal: Significant changes to the deal structure, property details, or borrower qualifications after the initial application without prior approval from Home Invest Academy. 

4. Fraud or Illegal Activity: Evidence of fraud, illegal activity, or unethical conduct related to the deal, borrower, or any associated parties.

5. Non-Compliance with Legal or Regulatory Requirements: Failure to comply with applicable laws, regulations, or zoning requirements that impact the viability of the deal.

6. Unacceptable Deal Quality: If, upon review, the deal does not meet [Your Company Name]’s underwriting standards, including but not limited to insufficient property value, inadequate borrower creditworthiness, or high-risk deal characteristics.

7. Failure to Meet Deadlines: Failure to submit required materials or respond to requests for additional information within the timelines specified by Home Invest Academy team members. 

8. External Market or Economic Factors: Unforeseeable events beyond our control, such as significant changes in market conditions, interest rates, or regulatory environments, that materially impact our ability to fund the deal.

*Partner Program

To participate in having Home Invest Academy raise the capital for your deal, your deal must fit inside of Home Invest’s buy box.  This buy box can change but understand that in general we look for profitable deals for all using the following criteria: 

  1. Positive population growth (the city where the property is located needs to have a population that is growing. According to the Census Bureau’s Vintage 2024 Subcounty population estimates, cities of all sizes across all U.S. regions experienced population growth on average from 2023 to 2024. Specifically, 88% of the nation’s 387 metropolitan areas (approximately 340 metro areas) gained population during this period). 

  2. The population of the metro area should be 75,000 or more so we have adequate tenants and service providers to make the asset profitable. Approximately 340–400 cities with populations over 75,000 are growing as of 2025

  3. Positive job growth (or stable unemployment numbers, below national average).  For a more precise count across all 19,500 cities, city-level BLS data would be needed, but based on available evidence, thousands of U.S. cities are experiencing job growth in 2025, with at least 340–400 cities over 75,000 population showing such trends.

  4. Landlord Friendly State

    1. Alabama

    2. Arizona

    3. Arkansas

    4. Colorado (although some cities like Denver are not landlord friendly)

    5. Florida

    6. Georgia

    7. Idaho

    8. Indiana

    9. Iowa

    10. Kansas

    11. Kentucky

    12. Louisiana (although crime rates can exceed national avg)

    13. Mississippi (although crime rates can exceed national avg)

    14. Missouri

    15. Nebraska

    16. Nevada

    17. North Carolina

    18. North Dakota

    19. Ohio

    20. Oklahoma

    21. South Carolina

    22. South Dakota 

    23. Tennessee (Memphis is losing ground on landlord friendliness) 

    24. Texas

    25. Utah

    26. West Virginia

    27. Wisconsin 

  5. $5M to $40M Deal Size 

    1. Exceptions are made for killer deals 

  6. Existing Building (not new construction)

  7. Class C, Class B, or Class A Building 

    1. Preferred Class B or Class A area

      1. Class C buildings are in Class B areas in nearly every city.  We want to raise C buildings to B quality as our “value add”. 

  8. 1990 or newer (you don’t want old buildings with plumbing problems)

  9. Crime Rate below national average 

Once these criteria are met, Home Invest Academy can raise both the debt and the equity for the project.  Home Invest Academy principals are required by the lender to be the majority owner.  You will be a GP (General Partner) so you can gain experience, participate in GP Cash Flow, Tax Benefits, and be part of the exit profit. 

Within 36 months of purchasing the deal, the deal should be eligible for a full cash out refinance.  You need to be able to reasonably demonstrate, using normal industry standard growth expectations, how we achieve that.  You also need to show proof with comparables. 

Deal Splits

How much do I get paid? 

There are 17 roles to make a deal happen. 
Every deal is negotiable.  If you bring a killer deal, do you deserve a killer profit?  If you bring a bad deal, do you also deserve killer profits? 

We’ve found there is plenty to go around for all. 

If you’d like to earn more, bring killer deals.
If you’d like to earn even more, bring killer deals and do more roles listed on the pie chart (assuming you're qualified to do so per the lender and Home Invest Academy). 

Full Performance

Full Performance means that Home Invest Academy has delivered everything it has promised to do.  With the exception of funding a deal that meets Home Invest criteria, Home Invest meets full performance as soon as it delivers digital access to its intellectual property online.

Refund Policy

All purchases from Home Invest Academy are subject to our no refund policy, the only exception is where there is a 7 day statutory right of rescission in some states. All such cancellation exceptions must be made in writing to our client success team [email protected]. After seven days, there are no refunds, no exceptions because we are giving away all of our intellectual assets on day one (1).

If after working with us for the terms of your Agreement, you do not close, invest in a deal, or partner in a deal (and you take the actions we show you), we will work with you for another six (6) months to help you land a deal. The actions we require are

Ask Questions When You Are Stuck
Take Action - even small steps are good.  

Taking action is a must to get a deal done.

Actions:

a) attend one (1) weekly consulting call, each week in the Program and ask at least 1 question on every call. 

b) submit two (2) offers (letters of intent) per week, each week.  

(Even new people can get 3 in a week)

c) fill out 2 deal evaluator forms and submit to our team each week Submit results in weekly accountability form.

d) Join Ten (10) real estate related facebook groups.

e) Post in those facebook groups with the posts we teach you.

f) Review deals sent to you.

g) Call 5 sellers every week from the blacklist.   

h)  Submit results for each of these in the weekly accountability form.

Get Funding or You Don’t Pay Policy

If you are contracted for our guaranteed funding program with “you don’t pay” we will refund your money if you don’t get funded if all the conditions mentioned above are met; this includes but is not limited to the Actions section, Funding Program, Partner Program, and Deal Splits.  Your refund may also be traded for other goods and services offered by Home Invest Academy. 

In Person Property Success Lab

In Person Property Success Labs are member only events, not open to the general public.  Current Home Invest Academy Members can come at no extra charge, but are required to pay a registration fee of $97 per attendee.  If you register, pay the $97, and then No Show at the event, we will bill you a No Show fee of $997, because that seat could have been given to someone else.  If you pay the $97 and later need to reschedule, please notify us at [email protected] at least 14 days before the event so we have time to allow new participants to take your spot. 

General Use

Home Invest Academy provides content, services and products throughout this site. All information, documents, products and services, including content, trademarks, logos, graphics and images (which are grouped together under the term “Materials”) are the copyrighted work of Home Invest Academy or Home Invest Academy licensors and/or contributors.


Home Invest Academy grants you a limited, personal, non-exclusive and non-transferable license to use the Materials solely for your personal use or internal business use. You agree that you will only use this site and the Materials for lawful uses.


You agree that you have no right to modify, edit, copy, reproduce, create derivative works of, alter, enhance or in any way exploit any of the Materials provided by Home Invest Academy in any manner. Your limited license terminates automatically, without notice to you, if you breach any of these Terms. Upon termination of your limited license, you agree to immediately destroy any downloaded or printed materials. Except as stated herein, you acknowledge that you have no right, title or interest in or to the site or any Materials on any legal basis.


You are prohibited from taking any action to circumvent or attempt to circumvent the security and access control provisions of the site. Such prohibited conduct includes, but is not limited to, any efforts to: (a) log into an account with a password not assigned to you; (b) access personally identifiable information not intended for you; (c) test the security measures on the site and/or attempt to identify system vulnerabilities; (d) impersonate any other user of the site and/or the products and services, forge any of the header information in any posting, or tamper with the TCP/IP packet header; (e) modify, reverse engineer, disassemble, decompile or otherwise attempt or allow others to attempt to discover the underlying software code for the site and/or the products and services; or (f) overwhelm or disable the site or the products and services or interfere with the access and use of the site and/or the services by any other user.


If Home Invest Academy becomes aware of any of the aforementioned activities on your part, we may investigate and take action. When appropriate, we may work with law enforcement to investigate and prosecute offenders. Your continued use of the Site and/or the products and services is expressly conditioned on your compliance with the prohibitions, obligations and restrictions just stated.


Without limiting the foregoing, you acknowledge that Home Invest Academy prohibits and you agree not to:


Take any action that imposes an unreasonable or disproportionately large burden on the site’s infrastructure

Intentionally expose the site and/or any products or services provided on Home Invest Academy to a computer virus or any other program or code that is intended to disrupt or disable the operations of the site and/or our products or services


Frame or link to the site or any of the content or information available from the site, unless Home Invest Academy expressly consents to such linking and/or framing


Use any spider, robot or other program, code or device to copy, retrieve or index any portion of the Home Invest Academy site

Harvest or otherwise collect information about other users for any purpose other than expressly permitted herein 

Post any false or inaccurate Submissions (defined below) or information on any part of the site

Use the products and/or services and/or the site to violate any applicable law or regulation, including, without limitation, the infringement of any copyright, trademark, trade secret or other intellectual property rights, or violate the privacy or rights of any other person


Post any Submission or information that is discriminatory, hateful, obscene, vulgar, abusive, defamatory, sexually-orientated, threatening, or otherwise objectionable


Include any hyperlinks or any misleading, irrelevant and/or hidden code or keywords in any Submissions posted by you

Harass, stalk, or otherwise subject any other user of the site and/or products and services to inappropriate or unwanted contact

Make any additions, changes, alterations and/or deletions to any Submissions posted by any user without the express written authorization of such other user


Home Invest Academy reserves the right to terminate our relationship with you under these Terms and prohibit your access to the site and/or products or services or to edit, remove or close any Submission or thread for any reason

The foregoing list of prohibitions is not intended to be complete or exclusive.


You acknowledge and agree that there is the chance that you may be exposed to content that may be offensive or objectionable to you. You hereby acknowledge and agree that all submissions submitted by you or any other user express the views of the author, and Home Invest Academy will not be held responsible for or liable for the content in such submissions.


Your access to the site and services is undertaken at your own risk and Home Invest Academy is not responsible for any offensive or otherwise objectionable materials that may be posted by any third party. In addition, the foregoing prohibitions do not impose on Home Invest Academy any obligation to monitor or remove any Submissions or other information or communication submitted by you or any other user.

Right to Use Name & Likeness

Our environment breeds success. You hereby consent to the use of your name, photograph, likeness, voice, testimonial and biographical material, in whole or in part, for publication or reproduction in any medium, for any purpose, including but not limited to public relations, education, marketing, training and research.

Your consent is granted to Home Invest Academy and extends to such use without restriction or limitation as to time or geographic boundary.

You hereby waive all rights you may have to any claims or demands for payment or royalties in connection with the use of any of such materials, regardless of the purpose of such use or publication, and regardless of whether a fee is charged or collected by Home Invest Academy for any product and/or service in connection with such use and publication.

You also waive any right to inspect, review or approve any photograph, recording, or other written material at any time, and waive the right to approve the use and medium of publication determined by Home Invest Academy.


You understand that Home Invest Academy owns all rights in and to any such photograph, recording or testimonial, including any copyright and/or trademark relating to such use.

Non-Solicitation

Reproduction or distribution of Program content is strictly prohibited.

You agree with and for the benefit of Home Invest Academy that, during the Program and for a period of one (1) year after separation from the Program (whether such separation results from early termination or successful completion), you will not (except with the prior written consent of Home Invest Academy), directly or indirectly, or in any other manner whatsoever, contact, solicit, or attempt to solicit any of the persons, clients, employees, companies or institutions with whom you had dealings through the Program or from the social media groups that Home Invest Academy is directly linked to.

Acknowledgement of Home Invest Academy’s Intellectual Property Rights

You acknowledge the ownership by Home Invest Academy of all copyright, trademark, service mark, know-how, trade secrets and other intellectual property rights in the Program content.


You acknowledge that Program content is for individual use only and agree not to copy, sell, reproduce, record, share, teach, give away, or otherwise divulge Program content without the express written consent of Home Invest Academy.


Home Invest Academy retains all right, title and interest in any and all intellectual property related to or associated with Home Invest Academy services, including without limitation: (a) trademarks and copyrights; and (b) any other proprietary right arising under the laws of the United States. You are given a limited, non-exclusive, non-sub-licensable, and non-transferable license to share the information you learn from Home Invest Academy services with your employees and business partners only. Except as set forth in the previous sentence, you understand and agree that neither the Agreement nor the provision of Home Invest Academy services by Home Invest Academy shall constitute a transfer, assignment, or license of any intellectual property rights from or by Home Invest Academy. You further understand that your employees and business partners do not have any license to share the information you obtained from the Home Invest Academy services with any other person.

Confidential Information

We respect your privacy and must insist that you respect the privacy of fellow Program participants. We respect your confidential and proprietary information, ideas, plans and trade secrets (collectively, "Confidential Information") and must insist that you respect the same rights of fellow Program participants and of Home Invest Academy. Thus, you agree:

Not to infringe upon any Program participant’s or Home Invest Academy's copyrights, patents, trademarks, trade secrets or other intellectual property rights

That any Confidential Information shared by Program participants or any representative of Home Invest Academy is confidential and proprietary, and any such Confidential Information belongs solely and exclusively to the party who discloses such information

Not to disclose such information to any other person or use it in any manner other than in discussion with other Program participants during Program sessions
That all materials and information provided to you by Home Invest Academy are confidential and proprietary intellectual property which belongs solely and exclusively to Home Invest Academy, and may only be used by you as authorized in writing by Home Invest Academy

Not to infringe upon other Home Invest Academy student’s shared information including but not limited to seller leads, buyer leads or deals they are working on that are shared in the SMG group

That if you violate, or display any likelihood of violating, any of the sections contained in this paragraph or referenced in this Agreement, Home Invest Academy and/or other Program participants will be entitled to injunctive relief against you for any such violations.

A breach of any of the promises or agreements contained herein will result in irreparable and continuing damage to Home Invest Academy for which there will be no adequate remedy at law, and Home Invest Academy shall be entitled to injunctive relief and/or a decree for specific performance, and such other relief as may be proper (including monetary damages if appropriate). While you are free to discuss your individual results from this Program or any other Home Invest Academy program or training, you must keep the experiences and statements, oral or written, of all other participants in the strictest of confidence.

Submissions

Subject to the Terms and conditions of the Home Invest Academy Privacy Policy, when you submit data and/or post communications on the site (collectively “Submissions”), you grant to Home Invest Academy, an irrevocable, perpetual, royalty-free, worldwide right (including moral right) and license to use, reproduce, display, distribute, modify and create derivative works of Submissions, in whole or in part, and to incorporate Submissions into other works in any media and utilizing any technology now known or later developed. You warrant that you have all rights, and no third party has retained any such rights, (including moral rights) in and to Submissions you may post to the site.

Links to Third Party Sites

The Home Invest Academy site may be linked to other sites that are not owned, operated, or managed by Home Invest Academy. We provide these links to you only as a convenience, and Home Invest Academy is not responsible for the content or links displayed on these third party sites.

Third Party Content

Some information and content may be provided by third parties to Home Invest Academy (“Third Party Content”). The Third Party Content is the copyrighted work of the creator/licensor and Home Invest Academy.

You agree that you will only display the Third Party Content on your personal computer for your personal or internal business use. You acknowledge and agree that you have no right to download, cache, reproduce, modify, display (except as set forth in this paragraph), alter, edit, manipulate or enhance any of the Third Party Content in any manner.


Home Invest Academy disclaims all express, implied and statutory warranties and conditions with regard to third party content. This includes, but is not limited to, all implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Unauthorized Activities

Unauthorized use of any Materials or Third Party Content contained on this site may violate certain regulations and laws. You shall indemnify and hold Home Invest Academy and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all damages, costs, expenses, and liabilities, including attorneys’ fees, that Home Invest Academy or any other indemnified party suffers in relation to, arising from, or for the purpose of avoiding any claim or demand from a third party in the event that your use of the site or the use of the site by any person using your user name and/or password violates any applicable law or regulation, or the rights of any third party.

Copyright Notice

All information, data, and screens appearing on Home Invest Academy, including web pages, documents, site design, text, graphics, logos, images and icons, and the selection and arrangement thereof, are the sole property of Home Invest Academy and Home Invest Academy, Inc. unless otherwise specified.

All rights not expressly granted herein are reserved worldwide. Any reproduction, distribution, modification, retransmission, or publication of any copyrighted Material on the site is strictly prohibited without the express written consent of the copyright holder, except as otherwise required by applicable law.

Disclaimer of Warranties

Your use of this site, the Materials and/or the products and services is at your own risk. You assume all risks of using this site, the Materials and/or the products and services. Home Invest Academy does not warrant the accuracy or timeliness of the materials or the Third Party Content contained on this Site. Neither the Materials nor the Third Party Content have been verified or authenticated in whole or in part by Home Invest Academy, and they may not be current or may include inaccuracies or typographical errors.

Home Invest Academy shall have no liability for Materials and/or Third Party Content that is not current or for any errors or omissions in the Materials and/or the Third Party Content, whether provided by Home Invest Academy or our licensors. Home Invest Academy does not guarantee that you will achieve any economic return or benefit from the use of the Materials.

Home Invest Academy, for itself and its licensors, makes no express, implied or statutory representations, warranties, or guarantees in connection with the site, the products and services or any Materials or Third Party Content, relating to the quality, suitability, truth, accuracy, currency or completeness of any information or material contained on the site. This includes, without limitation, the Materials and the Third Party Content.

Home Invest Academy disclaims and excludes any and all implied warranties, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement of third party rights. Unless otherwise explicitly stated, to the maximum extent permitted by applicable law, the site, the products and services, the Materials, Third Party Content, and any information or Material contained on the site is provided to you on an “as is,” “as available” and “where is” basis with no warranty of any kind.

THIS AGREEMENT CONTAINS ARBITRATION AND CLASS ACTION WAIVER PROVISIONS THAT WAIVE YOUR RIGHT TO A COURT HEARING, RIGHT TO A JURY TRIAL, AND RIGHT TO PARTICIPATE IN A CLASS ACTION. ARBITRATION IS MANDATORY AND IS THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS SPECIFIED BELOW.

YOU UNDERSTAND THAT YOU AND YOUR BUSINESS WOULD HAVE HAD A RIGHT TO LITIGATE THROUGH A COURT, TO HAVE A JUDGE OR JURY DECIDE YOUR CASE, AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. HOWEVER, YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH BINDING, FINAL, AND CONFIDENTIAL ARBITRATION IN ACC

Limitation of Liability

EXCEPT WHERE OTHERWISE INAPPLICABLE OR PROHIBITED BY LAW, IN NO EVENT SHALL Home Invest Academy OR ANY OF ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, INDEPENDENT CONTRACTORS, TELECOMMUNICATIONS PROVIDERS, AND/OR AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER DAMAGES, FEES, COSTS OR CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT, THE PRIVACY POLICY, THE SERVICES OR PRODUCTS, YOUR OR A THIRD PARTY’S USE OR ATTEMPTED USE OF THE WEBSITE OR ANY SOFTWARE, SERVICE, PRODUCT OR PROGRAM, REGARDLESS OF WHETHER Home Invest Academy HAS HAD NOTICE OF THE POSSIBILITY OF SUCH DAMAGES, FEES, COSTS, OR CLAIMS. THIS INCLUDES, WITHOUT LIMITATION, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES OR PRODUCTS, OR ANY OTHER INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR OTHER DAMAGES. THIS APPLIES REGARDLESS OF THE MANNER IN WHICH DAMAGES ARE ALLEGEDLY CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, OR OTHERWISE.

IN NO EVENT SHALL Home Invest Academy’S LIABILITY TO YOU OR YOUR BUSINESS EXCEED THE AMOUNT OF THREE (3) TIMES THE PAYMENTS PAID BY YOU TO Home Invest Academy FOR THE MONTH PRECEDING THE DATE IN WHICH THE FACTS GIVING RISE TO A CLAIM AGAINST Home Invest Academy OCCURRED OR TWO-THOUSAND DOLLARS ($2,000), WHICHEVER IS GREATER.

Dispute Resolution By Mandatory Binding Arbitration And Class Action Waiver

PLEASE READ THIS ARBITRATION PROVISION CAREFULLY TO UNDERSTAND YOUR AND YOUR BUSINESS’ RIGHTS. EXCEPT WHERE PROHIBITED BY LAW, YOU AND YOUR BUSINESS AGREE THAT ANY CLAIM THAT YOU OR YOUR BUSINESS MAY HAVE IN THE FUTURE MUST BE RESOLVED THROUGH FINAL AND BINDING CONFIDENTIAL ARBITRATION. YOU ACKNOWLEDGE AND AGREE THAT YOU AND YOUR BUSINESS ARE WAIVING THE RIGHT TO A TRIAL BY JURY. THE RIGHTS THAT YOU AND YOUR BUSINESS WOULD HAVE IF YOU WENT TO COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL, MAY BE MORE LIMITED OR MAY NOT EXIST. YOU AGREE THAT YOU AND YOUR BUSINESS MAY ONLY BRING A CLAIM IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF (LEAD OR OTHERWISE) OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU FURTHER AGREE THAT THE ARBITRATOR MAY NOT CONSOLIDATE PROCEEDINGS OR CLAIMS OR OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS LIMITED. HOWEVER, AN ARBITRATOR CAN AWARD ON AN INDIVIDUAL BASIS THE SAME DAMAGES AND RELIEF AS A COURT (INCLUDING INJUNCTIVE AND DECLARATORY RELIEF OR STATUTORY DAMAGES) AND MUST FOLLOW THESE TERMS AS A COURT WOULD.

If you have a complaint, dispute, or controversy, you agree to first contact us at [email protected] to attempt to resolve the dispute or controversy informally. Any controversy or claim arising out of or related to the use of the Website, any services, Program, product, or software, these Terms, the Privacy Policy, any affiliate agreement, or your relationship with us that cannot be resolved through such informal process or through negotiation within 120 days shall be resolved by binding, confidential arbitration administered by the American Arbitration Association (“AAA”), and judgment on the award rendered may be entered in any court having jurisdiction thereof. We agree that any claim we may have against you or your business will also be subject to this arbitration provision, except as provided below. The arbitration will be conducted by a single neutral arbitrator in the English language in Lee County, Florida, unless we both agree to conduct the arbitration by telephone or written submissions. The arbitrator shall be selected by agreement of the parties or, if the parties cannot agree, chosen in accordance with Rules of the AAA. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Arbitration Rules and Procedures, in effect at the time of submission of the demand for arbitration. The AAA’s Rules are available at www.adr.org or by calling 1-800-778-7879. The arbitrator shall have the exclusive and sole authority to resolve any dispute relating to the interpretation, construction, validity, applicability, or enforceability of these Terms and Conditions of Use and Sale, the Privacy Policy, this arbitration provision, and any other terms incorporated by reference into these Terms and Conditions of Use and Sale. The arbitrator shall have the exclusive and sole authority to determine whether any dispute is arbitrable. The arbitrator shall have the exclusive and sole authority to determine whether this arbitration agreement can be enforced against a non-signatory to this agreement and whether a non-signatory to this agreement can enforce this provision against you or Home Invest Academy.

Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s Rules. In all other respects, the parties shall each pay their own additional fees, costs, and expenses, including, but not limited to, those for any attorneys, experts, documents, and witnesses.

The arbitrator shall follow the substantive law of the State of Mississippi without regard to its conflicts of laws principles. Any award rendered shall include a confidential written opinion and shall be final, subject to appeal under the Federal Arbitration Act, 9 U.S.C. §§ 1-16, as amended. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

You and Home Invest Academy agree that disputes will only be arbitrated on an individual basis and shall not be consolidated, on a class wide, representative basis, or with any other arbitration(s) or other proceedings that involve any claim or controversy of any other party. You and Home Invest Academy expressly waive any right to pursue any class or other representative action against each other.

Failure or any delay in enforcing this arbitration provision in connection with any particular claim will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other claims except that all claims must be brought within 1 year after the claim arises (the 1 year period includes the 120-day informal resolution procedures described above).

This arbitration provision sets forth the Terms and conditions of our agreement to final and binding confidential arbitration and is governed by and enforceable under the Federal Arbitration Act, 9 U.S.C. §§ 1-16, as amended.

This provision survives termination of your account or relationship with Home Invest Academy, bankruptcy, assignment, or transfer. If the class action waiver is deemed unenforceable (i.e., unenforceability would allow arbitration to proceed as a class or representative action), then this entire arbitration provision shall be rendered null and void and shall not apply. If a portion of this arbitration provision (other than the class action waiver) is deemed unenforceable, the remaining portions of this arbitration provision shall remain in full force and effect.

Any arbitration under this agreement will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted.

Further, unless both you and Home Invest Academy 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. You understand and agree

that you will not have the right to participate in a representative capacity or as a member of any class of claimants pertaining to any claims that may arise under, or be in any way related to, this Agreement. Claims brought against Home Invest Academy may not be joined or consolidated with claims brought by anyone else.

Force Majeure

Except for the duty to make payments hereunder when due, and the indemnification provisions under this Agreement, neither Party shall be responsible to the other for any delay, damage, or failure caused by or occasioned by a Force Majeure Event. As used in this Agreement, “Force Majeure Event” shall mean: Any act of God, act of nature or the elements, terrorism, insurrection, revolution or civil strife, piracy, civil war or hostile

action, labor strikes, acts of public enemies, federal or state laws, rules and regulations of any governmental authorities having jurisdiction over the premises, inability to procure material, equipment, or necessary labor in the open market, acute and unusual labor, material, or equipment shortages, or any other causes (except financial) beyond the control of either Party.

Indemnity

You agree to protect, defend, indemnify and hold harmless Home Invest Academy, its officers, directors, employees or their invitees, from and against all claims, demands, and causes of action of every kind and character without limit arising out of your receipt of Home Invest Academy services or actions taken in response thereto. Your indemnity obligation includes, but is not limited to, any claim for personal injury sustained while traveling to or attending any seminar or other in-person training provided by Home Invest Academy to you.

Governing Law

This Agreement shall be governed, construed, and interpreted in accordance with the laws of the state of Florida without regard to any choice of law provisions.

Severable

In the event any provision of the Agreement or these Terms and Conditions is inconsistent with or contrary to any applicable law, rule, or regulation, the provision shall be deemed to be modified to the extent required to comply with the law, rule, or regulation, and this Agreement and these Terms and Conditions, as so modified, shall continue in full force and effect.

Local Laws and Export Control

If you use this site outside the United States of America, you are responsible for compliance with all applicable local laws. Home Invest Academy controls and operates this site from its headquarters in the United States of America and the Materials may not be appropriate or available for use in other locations.

Home Invest LLC

4360 Northlake Blvd

Palm Beach Gardens

FL 33410 Suite 109

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