Terms of service

Introduction

These Terms of Service ("Terms") govern your use of rewbihub.com, our contact form, our emails and text messages, and our "Book a Call" scheduling flow. Please read them. By using any of those things, you agree to be bound by them.

Our Privacy Policy also governs your use of the services and explains how we collect, use, and protect information. You can read it at rewbihub.com/privacy. Your agreement with us includes both these Terms and the Privacy Policy.

If you enroll in a paid program, you also sign a Client Service Agreement. That signed agreement is the contract for the paid program, and it controls wherever it conflicts with these Terms. If you receive a student portal account after enrolling, the Student Portal Terms apply to the portal in addition to these Terms.

If you do not agree with these Terms, you may not use the services. Tell us why at [email protected] and we will see whether there is a solution.

Who we are

The services described here are provided by Real Estate and Wealth Building Institute LLC ("REWBI", "we", "our", "us"), an Illinois limited liability company. We do business under the short form REWBI and the trade name Real Estate & Wealth Building Institute.

Our mailing address is [Registered mailing address to be added].

You can reach us at [email protected] for general and legal matters, [email protected] for privacy and data requests, [email protected] for security reports, and [email protected] for abuse reports.

When these terms apply

These Terms apply when you browse rewbihub.com or any subdomain, submit the contact form, receive our marketing emails or text messages after opting in, or schedule and attend a call through the "Book a Call" flow.

If you use the services on behalf of a company or other organization, you represent that you have authority to accept these Terms for that organization.

No use by minors

You must be 18 or older to submit the contact form, receive marketing messages, or enroll in a program. Our services deal with real estate investment and financial topics and are intended for adults. We do not knowingly collect information from anyone under 18. If we find out we have, we delete it.

Prohibited uses

You may use the services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the services in any way that violates an applicable law or regulation, or that infringes anyone else's rights.
• Submit false information or impersonate REWBI, a REWBI employee, another user, or any other person or entity.
• Transmit or procure the sending of any advertising or promotional material, including junk mail, chain letters, or spam.
• Attempt to gain unauthorized access to any of our systems, servers, or accounts.
• Probe or scan our systems for vulnerabilities, except by coordinated disclosure to [email protected].
• Introduce viruses, trojan horses, worms, logic bombs, or any other malicious or technologically harmful code.
• Use the services in any manner that could disable, overburden, damage, or impair them, or interfere with anyone else's use of them.
• Use any robot, spider, scraper, or other automated device to access the services or collect content from them, other than well-behaved indexing bots that respect our robots.txt.
• Reverse-engineer, decompile, or attempt to derive the source of any software we make available, except where applicable law expressly allows it.
• Reproduce, mirror, resell, sublicense, or redistribute any part of the services or our content without written permission.
• Harass, threaten, or defame our staff or anyone else through our channels.

Violations may result in loss of access, refusal of service, and legal action.

Contact form

When you submit our contact form, you give us your name, email, phone number, and the details of your inquiry. We use that to respond to you and to route your inquiry to the right person on our team. We only ask for the fields we need in order to reply.

Do not send sensitive personal or financial information through the form. Wait for us to open a secure channel first. Contact-form messages are not legally confidential unless we already have a confidentiality agreement with you. Bot submissions are prohibited and we may block them.

How we handle contact-form data is set out in the Privacy Policy.

Marketing emails and text messages

We only send marketing emails and text messages to people who have opted in. Checking the marketing consent box on the contact form is your express written consent to receive them.

Consent is not required to contact us. You can leave the marketing checkbox unchecked and still submit the form, book a call, and enroll in a program.

If you opt in, message frequency varies based on our program calendar and event schedule. Messages may include promotions, event invitations, and reminders. Standard message and data rates from your carrier may apply. Neither we nor mobile carriers are responsible for delayed or undelivered messages.

To stop text messages, reply STOP. Reply HELP for help. To stop emails, use the unsubscribe link in any marketing email. You can also email [email protected] for either.

Transactional messages tied to an active enrollment, a scheduled call, or a legal matter are not marketing messages. Opting out of marketing does not stop those.

Book a call

A "Book a Call" consultation is a sales and information conversation. It is not a coaching session, not a professional advisory engagement, and does not create a client relationship. Anything we share on that call is general and educational. Taking a consultation with you does not make us your financial, legal, tax, real estate, or investment advisor.

Intellectual property

Everything published on the site, in our emails and messages, and in our downloadable materials is our intellectual property or licensed to us, and is protected by copyright, trademark, and trade secret law in the United States and abroad.

REWBI and Real Estate & Wealth Building Institute are our trademarks. They may not be used, and neither may any confusingly similar mark, without our prior written consent.

You may view and print pages from the public site for your own personal, non-commercial use. That is the only permitted use. Do not remove or alter any copyright notice, trademark, or attribution.

Rules for course materials are in the Client Service Agreement. Rules for content inside the student portal are in the Student Portal Terms.

Links to other websites and referrals

We use third-party providers for hosting, email delivery, text-message delivery, scheduling, and payments. We choose them carefully but they are independent of us, and we are not responsible for their acts or omissions. The providers we use are listed in the Privacy Policy.

Links from our site to third-party websites are offered as a convenience. We have no control over their content or practices, we do not endorse them, and we assume no responsibility for them. We advise you to read the terms and privacy policies of any third-party site you visit.

If we introduce you to a real estate agent, contractor, attorney, inspector, lender, title company, or other professional, that introduction is an educational convenience. We do not warrant their competence, licensing, or performance. Any relationship you form with a referred professional is between you and them, and we are not liable for anything that comes out of it.

Educational content only

Everything we publish and everything we discuss on a call is educational. It reflects our experience, our opinions, and general frameworks, and it is shared for your learning.

We are not your financial, legal, tax, real estate, or investment advisor. We do not provide personalized advice in any of those areas. We do not recommend that you buy, sell, or hold any specific property, security, or investment. Nothing we say or publish is an offer, solicitation, or endorsement of any specific transaction.

Real estate investment carries substantial risk, including the risk of total loss. Past examples we share are illustrative only and are not indicative of future results. Every financial and investment decision you make is yours alone, and you are solely responsible for it. Before acting on anything you learn from us, consult a licensed professional who can advise on your specific situation.

Disclaimer of warranty

To the maximum extent permitted by law, the services and all content in them are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied. We disclaim all implied warranties, including merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade.

We do not warrant that the services will be uninterrupted, timely, secure, or error-free; that any content on the services is accurate, complete, or current; that defects will be corrected; that the services or their servers are free of viruses or other harmful components; or that any specific financial, investment, or business result will follow from using the services.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

Limitation of liability

Read this section carefully. It limits what we can be held financially responsible for.

To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, revenues, business opportunities, goodwill, data, or anticipated savings. That applies whether the claim is based in contract, tort, negligence, strict liability, or any other theory, and whether or not we were advised of the possibility.

Our total aggregate liability to you under these Terms, for all claims combined, is limited to the greater of US$500 or the total fees you have actually paid to us in the twelve months before the event giving rise to the claim.

Nothing in these Terms limits liability for fraud or fraudulent misrepresentation, for death or personal injury caused by our negligence, or for any liability that cannot be limited or excluded under applicable law.

For enrolled clients, the limitation of liability in the Client Service Agreement controls to the extent it conflicts with this section.

Indemnification

You agree to indemnify, defend, and hold harmless REWBI, its owners, officers, employees, agents, contractors, and affiliates from any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorney's fees, arising out of or relating to:

• Your breach of these Terms.
• Your violation of any law or any third party's rights.
• Any content you submit through our services.
• Your use of the services in a way not authorized by these Terms.
• Your financial, investment, or business decisions, including decisions made after receiving educational content from us.
• Your engagement of any third-party professional, whether or not we referred them.

Governing law and disputes

Read this section carefully. It affects your legal rights, including your right to bring a lawsuit or take part in a class action.

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-law rules.

Any dispute arising out of or relating to these Terms or the services, whether based in contract, tort, statute, or any other theory, will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable. The arbitration will take place in the State of Illinois unless the parties agree otherwise, and may be conducted by video. The arbitrator's decision is final and enforceable in any court of competent jurisdiction.

You and REWBI each waive the right to a jury trial. Neither of us may bring or take part in any class action, class arbitration, collective action, or representative proceeding. Every dispute is resolved on an individual basis.

Three kinds of matter are excepted from arbitration. Actions to enforce or protect intellectual property rights may be brought in a court in Illinois. Small-claims matters that qualify and stay in small-claims court may proceed there. Actions for injunctive or equitable relief to prevent immediate harm may be brought in court.

Where applicable law prohibits arbitration of a specific dispute, that dispute will be brought exclusively in the state or federal courts located in Illinois, and you consent to personal jurisdiction there.

For enrolled clients, the dispute-resolution provisions of the Client Service Agreement control to the extent they differ from this section.

Amendments to terms

We may update these Terms from time to time. The current version and effective date are always posted on this page. If we make material changes, we will give reasonable advance notice, for example by posting a notice on the site or emailing our mailing list.

Continued use of the services after the effective date of an updated version means you accept the update. If you do not accept it, stop using the services.

We will not use a Terms of Service update to modify the material terms of a Client Service Agreement you have already signed. That agreement can only be modified by a written instrument signed by both parties.

Prior versions are archived and available on request from [email protected].

Waiver and severability

Our failure to enforce a provision of these Terms is not a waiver of that provision or any other. If any provision is held invalid, illegal, or unenforceable by a court or other tribunal of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary and the rest of these Terms will continue in full force.

General

These Terms, together with the Privacy Policy, the Student Portal Terms if they apply to you, and the signed Client Service Agreement if you are enrolled, are the entire agreement between you and REWBI about the services. If these Terms conflict with a signed Client Service Agreement, the Client Service Agreement controls.

You may not assign your rights or obligations without our written consent. We may assign these Terms to a successor entity, including in a merger, acquisition, or sale of assets.

We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disasters, pandemics, government actions, war, terrorism, internet or infrastructure outages, and labor disputes.

Send legal notices to [email protected]. Notices are effective on confirmed receipt. We may send notices to you by email to the address on file, by posting on the site, or by displaying a notice in the student portal.

These Terms and any related agreement may be signed and delivered electronically. Electronic signatures and records have the same legal effect as handwritten signatures and paper records under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Illinois Uniform Electronic Transactions Act (815 ILCS 333).

These Terms create rights only for you and us. Nothing here creates a partnership, joint venture, employment, agency, or fiduciary relationship between us.

You represent that you are not located in, and are not a national or resident of, any country or territory subject to comprehensive United States trade sanctions, and that you are not on any United States government list of prohibited or restricted parties.

Definitions

Client Service Agreement. The separately signed agreement between an enrolled client and REWBI that governs a paid program, whether REWBI Standard, REWBI Premium, or a custom or partnership engagement.

Enrolled client. A person or entity that has signed a Client Service Agreement with REWBI and is taking part in a paid program.

Marketing messages. Promotional emails and text messages sent to people who have opted in. Distinct from transactional messages about an active engagement.

Services. The public website at rewbihub.com and its subdomains, the contact form, our marketing communications, and the "Book a Call" scheduling flow. The student portal and paid programs are governed by the Student Portal Terms and the Client Service Agreement respectively.

Student Portal Terms. The additional terms that apply to enrolled clients who receive an account on the student portal.

You. The individual or organization using the services.

Acknowledgement

By using the services, you acknowledge that you have read these Terms of Service and agree to be bound by them.

Contact us

If you have any questions about these Terms of Service, email [email protected] or write to us at [Registered mailing address to be added].