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Terms & Conditions
TERMS & CONDITIONS
AND
PURCHASE AGREEMENT

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Important:  These terms of service govern your use of this site which is provided by Wealth Builders of America, LLC (herein referred to as Company).  By accessing this site, you are indicating your acknowledgment and acceptance of these terms of use.  These terms of use are subject to change by the company at any time in its discretion.  Your use of this site after such changes are implemented constitutes your acknowledgement and acceptance of the changes.  Please consult these terms of use prior to every use for any changes.

WHEN YOU COMPLETE YOUR PURCHASE, YOU, THE BUYER, (HEREIN REFERRED TO AS THE BUYER) ARE CLAIMING THAT YOU HAVE READ, ACCEPTED, AND FULLY UNDERSTAND THE TERMS OF THIS AGREEMENT WHICH INCLUDES A ZERO REFUND POLICY.  NO REFUNDS ARE OFFERED.

THIS AGREEMENT IS A CONTRACT.  UNDER THE TERMS OF THE CONTRACT BUYER RECEIVES CERTAIN RIGHTS DUE BUYER FROM THE COMPANY AND BUYER IN TURN GIVES THE COMPANY CERTAIN RIGHTS THAT AFFECT BUYER.  THIS CONTRACT ALSO CONTAINS PROVISIONS THAT DELINEATE AND RESTRICT BUYER’S RIGHTS ABOUT REFUND AND WARRANTY AND THAT LIMIT THE LIABILITY OF THE COMPANY.

BUYER MUST ACCEPT THESE TERMS OR THE COMPANY WILL NOT TRANSACT BUSINESS WITH BUYER OR SELL A PRODUCT, SERVICE, SUBSCRIPTION OR MEMBERSHIP TO BUYER, AND BUYER’S ORDER WILL NOT BE PROCESSED IF BUYER DOES NOT ACCEPT THESE TERMS.

BUYER’S PLEDGE OF AN UNDERSTANDING OF THIS CONTRACT AND ACCEPTANCE OF THE RIGHTS, DUTIES, AND LIMITATIONS EMBODIED IN IT, IS A MATERIAL PART OF THE LEGAL CONSIDERATION THAT THE COMPANY REQUIRES FROM BUYER AS A CONDITION OF SALE.

REFUND POLICY

The Company provides a 90 DAY CONDITIONAL money back guarantee on certain products and services. Products and services that have a 90 Day Conditional money back guarantee are marked with a guarantee symbol and explicitly state they are covered under this guarantee.  THERE ARE ABSOLUTELY NO UNCONDITIONAL GUARANTEES that the Company Provides.  All products are sold as is unless otherwise advertised.  No refunds. 

When Buyer purchases a product or service from the Company with a conditional guarantee, Buyer agrees to the following conditions:  Buyer must use the product or service as perscribed.  Buyer must use the product for 90 days following the procedures and processes as described, document what Buyer did and how Buyer used the product in complete detail.  Summaries do not qualify.  The methods must be applied to a money making activity in order to qualify.  Buyer must document how Buyer used the materials in order to earn more money.  It does not matter if Buyer applies the materials in a business or a job.  The methods work for both.  Buyer must show what worked and what did not work.  When a method or process did not work, Buyer must include an evaluation of why Buyer believes it did not work. And if Buyer uses the product or service as described and Buyer does not make more money than Buyer paid for the product or service, Company will gladly refund Buyer's original purchase price less shipping if applicable. 

If Buyer is requesting a refund from the Company, go to the Contact Us page at: http://wealthwithoutajob.com/contact.php and in the comments field let us know a refund is being requested and why.  A representative from the Company will contact Buyer and ask the Buyer to send the documentation to the Company of what Buyer did.  Once the Company has received and reviewed Buyer’s documentation, our representative may contact Buyer for further clarification.  Once the review is finished, the Company at its discretion will issue a credit for the amount of the product or service.  Shipping will NOT be reimbursed.  If the Company authorizes a refund to be issued, a representative from the Company will contact Buyer and issue Buyer a Return Authorization (RA) number which must be used when sending the product back to the Company.  If Buyer ships a product back without an RA number, the Company assumes no responsibility for loss and no refund will be issued.

REPLACEMENT POLICY

The Company will replace any defective products free of charge. The Buyer must notify Company of defect within 72 hours of receipt of product.  If buyer does not notify Company of defects within 72 hours of receipt, Company at its discretion may or may not replace the defective product. The Buyer is responsible for shipping the defective product back to the Company at Buyer’s expense.  To return a defective product, go to the Contact Us page at: http://wealthwithoutajob.com/contact.php and in the comments field and notify Company a defective product was received.  Describe the defect and provide Company Buyers contact information.  A representative from the Company will contact Buyer and issue a Return Authorization (RA) number which must be used when sending the product back to the Company.  If Buyer ships a product back without an RA number, the Company assumes no responsibility for loss and/or replacement.  Company suggests Buyer use tracking when shipping defective product back to Company to ensure Company receives defective product.

CHARGEBACKS

Buyer agrees to follow the terms agreed to herein.  If Buyer initiates a chargeback with Buyer’s bank or credit card company, Buyer agrees and authorizes Buyers bank or credit card company to pay Company a $35.00 processing fee and reverse the chargeback.  Buyer also agrees that any liabilities caused by the chargeback to the Company, Buyer agrees to pay for any and all damages caused to the Company in addition to the processing fee.  Company will document any damages incurred and present these damages to Buyer’s bank or credit card company for reimbursement.  Buyer agrees and authorizes Buyer’s bank or credit card company to reimburse Company for all damages immediately upon request of the Company.

SUBJECT MATTER OF THIS PURCHASE AGREEMENT

The subject matter of this agreement is a product, service, subscription or membership described in promotional or sales materials on this website or any other website (herein known as website) used by Company and/or in an email referencing website, and said website and/or email and its contents are incorporated herein by reference and made a part hereof and constitute a complete description of the product, service subscription or membership that is the subject matter of this Purchase Agreement.  This bundle of offerings, including additional items such as bonuses promoted on the order page, shall, together, be termed 'product' throughout this agreement but the word 'product' shall mean all elements offered in the sale, whether digital, physical, license or other right, and include all sales or promotional materials.

CREDIT CARD CHARGES AND CREDIT CARD FRAUD PENALTIES

Buyer warrants that Buyer is over 18 years of age or older, not subject to the Child Online Privacy Act, of legal age to enter into contractual agreements in the state in which Buyer is present when Buyer makes a purchase from Company, and is the true and authorized owner of the credit card used to make a purchase.  Any Buyer who violates any of these requirements may be liable for civil or criminal prosecution and agrees to pay liquidated damages in the amount of  $10,000 USD per fraudulent transaction, plus actual damages, and agrees that all information collected by Company’s website may be used for prosecution and may be turned over to law enforcement agencies or to credit card companies and merchant service providers.

If the true and/or authorized owner of the credit card attempts to commit fraud upon the Company, Buyer authorizes each and every credit card company or merchant service provider to disclose to the Company all information that could be construed as proof of credit card fraud.

Any Buyer who attempts to perpetrate a fraud upon Company involving the use of a credit card herewith gives authorization for the Company to access all credit information about the Buyer from credit reporting agencies and also authorizes the Company to discover all relevant information from any source about the fraudulent practices of the Buyer and to reveal such information to credit reporting agencies, credit card companies, merchant service providers, and law enforcement agencies.

Buyer agrees that if Buyer uses trickery to receive more than one refund, or if Buyer causes a fraudulent dispute claim that results in a chargeback against the Company's account, that the Company is authorized to re-charge the Buyer's credit card that was used for the original purchase to the extent that will make the Company whole.  Buyer agrees to, in addition to actual damages, pay to the Company liquidated damages of an amount $10,000 USD for every separate fraudulent action Buyer commits.

GUARANTEE AND WARRANTY

This product is sold 'as is' without warranty or guarantee of any kind.

INDEMNITY

You will indemnify and hold Company, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (hereinafter known as the "Indemnified Parties") harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use.  You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney's fees of the Indemnified Parties in connection therewith.  You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.

PROPRIETARY INFORMATION

The material and content (hereinafter referred to as the "Content") accessible from this site, and any other World Wide Web site owned, operated, licensed, or controlled by the Company is the proprietary information of the Company or the party that provided the Content to the Company, and the Company or the party that provided the Content to the Company retains all right, title, and interest in the Content.  Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of the Company, or unless authorized in writing elsewhere on our site, except that you may print out a copy of the Content solely for your personal use.  In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content.  Modification or use of the Content except as expressly provided in these Terms of Use violates the Company's intellectual property rights.  Neither title nor intellectual property rights are transferred to you by access to this site.

PRIVACY POLICY ACCEPTED

Buyer expressly accepts the terms of the Privacy Policy of Company’s website.

TERMS AND CONDITIONS ACCEPTED

Buyer expressly accepts the Terms and Conditions of use of the Company's website.

RIGHT TO PUBLISH SUBMISSIONS

Buyer agrees that Seller may publish for commercial purposes the full or partial content of any and all communication with Buyer at the Company's sole discretion.


DISCLAIMER

You understand that the Company cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties.  You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data.  The Company does not assume any responsibility or risk for your use of the Internet.

The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by Company.  Investors, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment.  Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.

Your use of this site is at your own risk.  The Content is provided “as is” and without warranties of any kind, either expressed or implied.  The Company disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title or non-infringement.  The Company does not warrant that the functions or content contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components.  The Company does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise.  The content may include technical inaccuracies or typographical errors, and Company may make changes or improvements at any time.  You, and not the Company, assume the entire cost of all necessary servicing, repair or correction in the event of any loss or damage arising from the use of this website or its content.  The Company makes no warranties that your use of the Content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such Content.

All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and Company does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

LIMITATION ON LIABILITY

The Company, its subsidiaries, affiliate, licensors, service providers, content providers, employees, agents, officers, and directors will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special exemplary, or other damages, including loss of revenue or income, pain and suffering, emotional distress, or similar damages, even if the Company has been advised of the possibility of such damages.  In no event will the collective liability of the Company and its subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, and directors, to any party regardless of the form of action, whether in contract, tort, or otherwise exceed the greater of $100.00 or the amount you have paid the company for the applicable content, product, or service out of which liability arose.

TRADEMARKS

Trademarks, service marks, and logos appearing in this site are the property of the Company or the party that provided the trademarks, service marks, and logos to the Company.  The Company and any party that provided trademarks, service marks, and logos to the Company retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.

INFORMATION BUYER PROVIDES

Buyer may not post, send, submit, publish, or transmit in connection with this site any material that:

a) Buyer does not have the right to post, including proprietary material of any third party;

b) advocates illegal activity or discusses an intent to commit an illegal act;

c) is vulgar, obscene, pornographic, or indecent;

d) does not pertain directly to this site;

e) threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive;

f) seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;

g) infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;

h) violates any law or may be considered to violate any law;

i) impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;

j) advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site;

k) solicits funds, advertisers or sponsors;

l) includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications;

m) disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real time activities via this site;

n) includes MP3 format files;

o) amounts to a 'pyramid' or similar scheme;

p) disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or

q) contains hyper-links to other sites that contain content that falls within the descriptions set forth above.

Although under no obligation to do so, the Company reserves the right to monitor use of this site to determine compliance with these Terms and Conditions of Use, as well the right to remove or refuse any information for any reason.  Notwithstanding these rights, you remain solely responsible for the content of your submissions.  You acknowledge and agree that neither Company nor any third party that provides Content to Company will assume or have any liability for any action or inaction by the Company or such third party with respect to any submission.

SECURITY

Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any).  Company will be entitled to monitor your password and, at its discretion, require you to change it.  If you use a password that Company considers insecure, Company will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Company reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents.  Company reserves the right to investigate suspected violations of these Terms of Use.

Company reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Company to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

By accepting this agreement you waive and hold harmless the Company from any claims resulting from any action taken by the Company during or as a result of its investigations and/or from any actions taken as a consequence of investigations by either the Company or Law Enforcement authorities.

MISCELLANEOUS

These Terms and Conditions of Use will be governed and interpreted pursuant to the laws of Wyoming, United States of America, notwithstanding any principles of conflicts of law.  You specifically consent to personal jurisdiction in Wyoming in connection with any dispute between you and Company arising out of these Terms of Use or pertaining to the subject matter hereof.  The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the state and federal courts in Wyoming.  If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter.  Notwithstanding the foregoing, any additional terms and conditions on this site will govern the items to which they pertain.  Company may revise these Terms of Use at any time by updating this posting.


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