These Terms & Conditions contain the sole and entire agreement between you and IntelliBiz. Please review these Terms & Conditions carefully prior to placing your order as they constitute an agreement between you and Intellibiz in connection with your use of the Intellibiz web site and all purchasing of goods and services by you from Intellibiz, including purchases of "The Simple Man's Guide to Real Estate" and associated programs and services

By checking the "I Accept" box during check out, you represent that you have read, understood, and agree to be bound by these Terms & Conditions. You further represent that you are 18 years old or older, that you are legally qualified to enter into agreements, and that you understand fully these Terms & Conditions You further understand and accept that your purchase provides only one license to use the program. Only the person who places the order may load the program onto their computer and/or use the program and its benefits.

1. Credit Card Orders: When you place an order through this web site, you purchase only a download of "The Simple Man's Guide to Real Estate" and your credit card statement will show a charge by IntelliBiz. By submitting an order, you hereby authorize IntelliBiz to debit your card account for the one-time cost of the download you have purchased. Because downloads cannot be returned nor retrieved, there can be no refunds or cancellations on downloads. NO EXCEPTIONS

Upon approval of payment, IntelliBiz hereby agrees to provide the customer with access to a download of "The Simple Man's Guide to Real Estate" investing course, and to ship to the customer a backup copy of the course on CD's. No back-up copy will be shipped outside the U.S. - International (outside the U.S.) orders are for the download only and will be refunded any/all shipping charges.

If you fail to successfully download the course, contact us and we will arrange to have it sent via email. Please note: the mailed package is, as stated, a FREE back-up set of CD's.

2) V.I.P. CLUB: V.I.P. Club Membership is optional. If, and only if, you have included the optional V.I.P. Club membership, you authorize IntelliBiz to automatically debit the card on file in the amount of $49.00 (forty-nine dollars) on the thirtieth day following the date of your order and each 30 (thirty) days thereafter until such time as you may choose to cancel. You may cancel your V.I.P. Club membership at any time by simply emailing IntelliBiz at intellibiz@yahoo.com with CANCEL in the subject line and your name in the message area. By cancelling, you will continue to enjoy the benefits of our V.I.P. Club membership until thirty (30) days from the date of your last credit card payment. Wheras IntelliBiz incurs costs on members' behalf whether or not member utilizes the benefits/services, once dues are posted they are non-refundable. It is the responsibility of the V.I.P. Club member to REQUEST, by email, any service(s) and/or benefit(s) they wish to utilize, as not all members want or need the same benefits/services. Member's choice to not utilize member benefits and/or services does not negate the member's obligation to pay the dues. Dues are due and payable as long as the member remains a member and has not cancelled per the cancellation policy. Dues are non-refundable.

V.I.P. CANCELLATIONS - Customer may cancel at any time by sending an email to intellibiz@yahoo.com with CANCEL in the subject line and full name in the message area. No other method of cancelling is acceptable as IntelliBiz does not have any telephones and is strictly an internet-based business. Customer agrees to retain a copy of the email requesting cancellation in the event of dispute, and to provide a copy of that email to accompany the dispute. Upon cancelling, no further charges will be posted to the customer's card account. Customer also understands that V.I.P. Club membership may, at the discretion of merchant, be terminated for any reason at any time and without recourse, and no further dues will be charged. In the event client's card is declined for any payment, membership continues uninterrupted to allow the client to request member services and/or benefits in the future by resuming payment of dues. NOTE: Any charges posted prior to cancelling a membership cannot be refunded, as costs are incurred on members behalf.

V.I.P. Club membership is only available for orders placed from the United States and its possessions, and Canada only.

V.I.P. membership offers the member free access to any and all program updates, software upgrades, a one-time free replacement of lost/damaged CD's, plus dedicated, unlimited mentoring for as long as membership is current.

3. AGREEMENT SOFTWARE IntelliBiz provides to its students a free copy of its Fool-Proof Agreement software which creates real estate agreements. We at Intellibiz.com are not lawyers, and we strongly encourage you to consult with attorneys in the jurisdiction where you intend to conduct business to before entering into any agreement for the purchase or sale of real estate to ensure both compliance with applicable law and your understanding of the nature of the obligations you are entering into under any such agreement. You hereby agree that should you choose to use any of these contracts and/or our software without consulting an attorney you do so at your own risk.

While IntelliBiz has sought to insure the agreements in our software can be used and are valid in every state, state and local laws change often, and IntelliBiz offers no guarantee or assurance of any kind that all the contracts are acceptable in all states. Intellibiz shall not be held liable for errors, omissions, or any legal issues that may arise from their use. In the event state or local requirements or laws require changes, each agreement in the software is editable, or you can simply use the forms provided by a local Realtor or your State Board of Realtors. Customer shall have one non-transferable license to install and use the product download and software and may not share, copy, sell or otherwise transfer any of the content to any party or otherwise violate our copyright without written permission from IntelliBiz.

4. No Refunds On Downloaded Software. It is understood that the purchase is for the download only, and that a physical copy of the program is shipped merely as a free courtesy backup of the program, with the cost of shipping and handling, if any, being the only additional charge for the physical copy. Whereas downloads cannot be returned nor retrieved, cancellations and/or refunds for the purchase of our software are not permitted except as provided in the guarantee (below). No exceptions.

Access to the download is found on the Payment Confirmation page that appears when payment is approved. If for any reason the download fails or the customer fails to download, customer may email intellibiz@yahoo.com and request instructions for obtaining the download by other means.

5. MENTORING/COACH Mentor contact info and mentoring guidelines are included with the backup copy received in the mail. The 30 days of FREE online mentoring is a privilege, not a right. Inflammatory, abusive or insulting emails will result in loss of mentor privileges. We reserve the full and exclusive right to rescind coaching privileges for any spam (or advertising); repeated failure to follow the mentor guidelines; or use of improper language, content or conduct, with no full or partial refund given, whereas the mentoring is without cost. V.I.P. mentoring is unlimited as long as you remain a member in good standing, but membership and mentoring may be terminated at any time by Intellibiz. If membership is terminated, you will no longer be billed.

Mentors are not employed by, nor are they paid agents of IntelliBiz - they act strictly independently of IntelliBiz and volunteer their services. They will respond as quickly as they can, usually within minutes or hours. Actual response times may vary, but each mentor will make every effort to respond in a timely manner, whenever possible, technical difficulties and acts of God notwithstanding.

6. Refunds and Cancellations: Our Guarantee - There are no cancellations or refunds permitted on downloads or the course, except in accordance with the terms set forth herein. LIFETIME GUARANTEE: Intellibiz offers a lifetime guarantee for V.I.P. Club members - use the program for one full year, and if, after that year, you have used the program and the tools provided (including the mentoring at least once per month) and still not profited to your satisfaction, you may request a full refund of double the purchase price of the original program. No refund will be issued until and unless the conditions of this guarantee have been met, i.e. you must actually use the program and the mentoring at least once per month for at least one full year.

Apply any or all of the methods in "The Simple Man's Guide to Real Estate" and use the V.I.P. mentoring at least once per month for a year, and if you do not earn at least $100,000 your first year, OR if for any reason you are not satisfied with the results at the end of first year or anytime thereafter that you remain a member, simply request double your money back, and we will send you a check for double the purchase price of "The Simple Man's Guide to Real Estate" course, no questions asked. In addition, the program is yours to keep. Customer agrees to retain dated, unaltered copies of all mentor correspondence and/or cancelation requests in case of dispute.

V.I.P. Club membership details - V.I.P. Club Members have unlimited access to their assigned mentor as long as they remain a member in good standing. All other club benefits mentioned above will be made available upon written request.

REVOCATION OF SERVICE: IntelliBiz reserves the right to discontinue or revoke any and all services with or without cause.

V.I.P. CLUB GUARANTEE: In addition to the Lifetime Guarantee, above, if for any reason a V.I.P. member in good standing is unable to close on at least four (4) properties in the first 12 months of membership, said V.I.P. member, upon written request and a sworn affadavit that the member has not closed on 4 properties in the first 12 months, may retain full benefits of membership without cost or obligation until such time as the member does close on at least four (4) properties.

No other guarantees are stated or implied. IntelliBiz shall be held faultless for the failure of any customer's success or lack thereof, as IntelliBiz has no control over the efforts of the customer, nor of market conditions, nor of any other factors outside the control of IntelliBiz.

REFUNDS: Refunds are granted, no questions asked, only in accordance with the terms of the guarantee. Intellibiz shall not under any circumstances be held liable for any refunds except those that are granted in accordance with the guarantee. To obtain a refund authorized under the guarantee, contact IntelliBiz at intellibiz@yahoo.com

We do not authorize returns. Packages that are returned without merchant authorization and/or returned with postage due will be refused or discarded, with no refund given.

IntelliBiz has a zero tolerance policy for wrongful chargebacks as they drive up costs for all customers. If you have an issue with any billing by IntelliBiz, or issues with the product(s) and/or service(s), contact IntelliBiz at intellibiz@yahoo.com BEFORE initiating any chargeback, whereas any customer who initiates a chargeback for any charge authorized hereunder is subject to a chargeback fee of $25.00 (twenty-five dollars) for each chargeback, and any/all services and/or benefits shall immediately be terminated. Customer hereby authorizes IntelliBiz to assess any said chargeback fee(s) to customer's card account.

PRIVACY POLICY: IntelliBiz will never send spam, nor sell or give out any customer information to any person or business without written consent of the customer.

PLEASE KEEP A COPY of your purchase order or invoice number - if you ever wish to obtain free replacement CD's or other services after 3 years, you will need to provide proof of purchase.