General

This website is owned and operated by Agent Growth Factor
LLC. “Agent Growth Factor LLC” (“Agent Growth Factor LLC “we” or “us”). By
using the Site, you agree to be bound by these Terms of Service and to use the
Site in accordance with these Terms of Service, our Privacy 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 Agent Growth
Factor LLC 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 Agent Growth Factor LLC from their
creation. Thus, Agent Growth Factor LLC 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 Agent Growth
Factor LLC 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 Agent Growth Factor
LLC 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 Agent Growth Factor LLC has the right
but not the obligation to use and display any postings or contributions of any
kind and that Agent Growth Factor LLC 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 Agent Growth Factor LLC Neither Agent Growth Factor
LLC nor any third-party provider of information guarantees the accuracy,
completeness, or usefulness of any content. Furthermore, Agent Growth Factor
LLC 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 Agent Growth Factor LLC representative while acting in his/her
official capacity.

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH
THE SITE AND BY COMPANY 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 COMPANY 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 Agent Growth Factor LLC 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.

Your purchase is for personal use only. Sharing of purchases
is not permitted and will be considered unauthorized, an infringing use of our
copyrighted material, and may subject violators to liability.

If payment for a course is declined, our system will
automatically disable access to our premium materials. (We understand. This
usually happens because a credit card expires.) We want to help restore your
access, so we’ll make every attempt to contact you to help resolve this issue.
Once the billing issue is resolved, we’ll restore access.

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.

Agent Growth Factor LLC 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. Agent
Growth Factor LLC 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 Agent
Growth Factor LLC staff, Agent Growth Factor LLC outside contributors, or by
users not connected with Agent Growth Factor LLC ,some of whom may employ
anonymous user names. Agent Growth Factor LLC 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 Agent Growth Factor LLC or any
of its subsidiaries or affiliates.

Agent Growth Factor LLC 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.

We occasionally include access to an online community as
part of our programs. We want every single member to add value to the group.
Our goal is to make your community the most valuable community you’re a member
of. Therefore, we reserve the right to remove anyone at any time. We rarely do
this, but we want to let you know how seriously we take our communities.

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
COMPANY IS NOT AN INVESTMENT ADVISORY SERVICE, IS NOT AN INVESTMENT ADVISER,
AND DOES NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A FINANCIAL
ADVISOR.

WE EXIST FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS
AND INFORMATION CONTAINED HEREIN AND IN OUR PRODUCTS AND SERVICES ARE FOR
GENERAL INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED BY US IS
INTENDED AS INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AS AN OFFER OR
SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS AN ENDORSEMENT, RECOMMENDATION
OR SPONSORSHIP OF ANY COMPANY, SECURITY, OR FUND. OUR INFORMATION SHOULD NOT BE
RELIED UPON FOR PURPOSES OF TRANSACTING IN SECURITIES OR OTHER INVESTMENTS.

WE DO NOT OFFER OR PROVIDE TAX, LEGAL OR INVESTMENT ADVICE
AND YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS
BEFORE ACTING ON ANY INFORMATION PROVIDED BY US. THIS SITE IS CONTINUALLY UNDER
DEVELOPMENT AND COMPANY MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS
TO ITS ACCURACY, COMPLETENESS OR APPROPRIATENESS FOR ANY PURPOSE.

YOU acknowledge and agrees that no representation has been
made by COMPANY OR ITS AFFILIATES and relied upon as to the future income,
expenses, sales volume or potential profitability that may be derived from the
participation in THIS PROGRAM.

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 Agent Growth Factor LLC infringe
you're copyright, you, or your agent may send to Agent Growth Factor LLC 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 Agent Growth Factor
LLC 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 Agent Growth Factor LLC 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. Agent Growth Factor LLC Copyright
Agent for notice of claims of copyright infringement or counter notices can be
reached as follows: [email protected]

This Agreement shall be binding upon and inure to the
benefit of Agent Growth Factor LLC 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 Agent Growth Factor
LLC. Not withstanding the foregoing, all rights and obligations under this
Agreement may be freely assigned by Agent Growth Factor LLC to any affiliated
entity or any of its wholly owned subsidiaries

These Terms of Use shall be governed by and construed in
accordance with the laws of the Province of British Columbia and any dispute
shall be subject to binding arbitration in ­­­British Columbia. 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.

Disclaimer

Although it is highly unlikely, This policy may be changed
at any time at our discretion. If we should update this policy, we will post
the updates to this page on our Website.

  If you have any questions or concerns regarding our privacy policy please direct them to: [email protected]