MoneyTree Training Group - The fastest growing mortgage training organization.

Welcome to the MoneyTree Training Group's Internet site [www.moneytreetraininggroup.com]. MoneyTree Training Group wants you to know what information we learn about you when you visit this Site, what we do with that information and any other information you voluntarily provide us through this Site or by other means and how you can view or change the information we have.

There are 2 types of information that we can learn about you as you browse and use this site. Each type of information can be used in a different way, and only you decide how much information to share with us.

1. Internet-related - generic statistical and demographic information.

2. Personal information that you provide when registering, ordering online, or making contact with us.

1. Internet-related information:
We collect IP addresses for the purposes of system administration, to gather broad demographic information, and to monitor the level of activity on our Site. We collect information from visitors to our Site regarding the referring URL, your IP address, which browser you used to come to the Site, the country, state, the pages of our Site that you viewed during your visit and any search terms entered on our Site. We track customers' traffic patterns throughout their online sessions, including which pages a customer views while using the Site. This information is ultimately stored in the form of store categories, and, in some cases, specific URLs. We use your IP address to diagnose problems with our servers and software and to administer our Site. We may share aggregated statistics about pages viewed on our Site and sales and other shopping information with third parties.

2. Personal Information:
If you provide information about yourself by registering on a page, by filling out a form, or otherwise by voluntarily telling us about yourself or your activities, we will collect that personal information for MoneyTree Training Group’s own internal use. Only designated and authorized MoneyTree Training Group sales and marketing employees will use the information you and other visitors give us in connection with their duties and for the purposes of identifying consumer preferences, improving our products and services and the content of this Site. When you give us your first and last name, company name, email, day and evening telephone numbers, or postal address, we may contact you by email, regular mail, or telephone from time to time with information about our new products and services, special offers, upcoming events and changes to this Site. If you do not wish to be contacted by all or any of these methods, you may let us know by sending an email message to us at [info@moneytreetraininggroup.com]. Please be sure to give us your exact name and address so we can be sure that we remove your name from our lists.

We may share your personal information with our affiliates and business partners with whom we have joint marketing arrangements. We are not in the business of selling information about our customers except in the limited circumstance set out below. We may share your information only to the extent necessary to comply with applicable laws, police investigations, or in legal proceedings where such information is relevant. MoneyTree Training Group may assign, sell, license, or otherwise transfer to a third party under conditions requiring the confidential treatment of such information, your name, address, e-mail address, member name and any other personal information in connection with an assignment, sale, joint venture, or other transfer or disposition of a portion or all of the MoneyTree Training Group service, or the assets, business or stock of MoneyTree Training Group.

Where do we store your personal information:
Your personal information will be kept in a database held on servers kept in a physically and technologically secure environment, accessed only by authorized personnel or contractors who are bound to keep your information confidential. Although we will use all reasonable efforts to safeguard the confidentiality of any personal information collected, we will not be liable for disclosure of personal information obtained due to errors in transmission or the unauthorized acts of third parties.

Policy Updates:
We reserve the right to change or update this policy at any time by posting a notice that we are changing our privacy policy or by sending an e-mail message to previously registered visitors.

How to Contact Us:
If you need information or have any questions about this Privacy Policy, you may contact us via e-mail at [info@moneytreetraininggroup.com]

This policy is effective as of [September 1, 2007]

TERMS OF SERVICE:

IMPORTANT! These terms of service (TOS) govern your use of this site. By accessing this site, you are indicating your acknowledgement and acceptance of these terms of use. These terms are subjected to change at our discretion. Your use of this site after such changes are implemented constitutes your acknowledgement and acceptance of the changes. Please consult this TOS site regularly.

You may not use this site for any other purpose, including any commercial purpose, without our company's express prior written consent.

The material and content (hereinafter referred to as the 'Content') accessible from this site and other sites owned, operated, licensed or controlled by us is our proprietary information and we retain all right, title and interest in the Content. The Content may not be copied, distributed, republished, uploaded, posted or transmitted in any way without our express prior written consent. However, you may print out a copy of our Content for your personal use. In so doing, you may not alter, change, remove or cause to be removed or altered any copyright and trademark, trade name, or any other proprietary legend or notice appearing in the Content. Modification or use of the Content except as expressly provided in this TOS violates our company's intellectual property rights. Neither title nor intellectual property rights is transferred to you by accessing this site or its Content.

This site may be hyper-linked to other sites not maintained by, or related to, us. These hyper-links are provided as a service to users and are not sponsored or affiliated to us. Such hyper-links are to be used at the user's own risk as we have not reviewed the content of those sites and thus cannot be responsible for the content of those sites. Inclusion of any hyper-links to a third party site does not constitute endorsement by us of that site. We make no representations or warranties for the use of hyper-linked sites.

You hereby grant to us the royalty-free, irrevocable, worldwide, non-exclusive right and license to use, reproduce, adapt, modify, translate, distribute, display and create derivative works from all content, suggestions, ideas or any other information communicated to our company through this site (hereinafter known as 'Submissions'). Such Submissions may be incorporated in any other media or technology now known or later developed. Submissions will not be treated as confidential and we are rights to use any Submissions for our business without payment of any royalties or incurring any liabilities of any kind. Your personal information submitted through this web site will be governed under our Privacy Policy agreement.

DISCLAIMER:

You understand that we cannot and do not guarantee or warrant that files available for download from our site or third party hyper-linked sites will be free of viruses, worms, Trojan horses or other codes that have destructive or contaminating properties. You are responsible for implementing or using sufficient procedures and tools to satisfy your requirements for data accuracy and safety on the internet. Our company will not be liable for any data loss or be responsible for risks related to your use of the internet.

You understand that the Content is designed to provide accurate information (to the best of our knowledge). The Content may not be up-to-date or complete or exhaustive. Our company is not engaged in providing any professional services. Users should not rely on the Content with the exclusion of their own professional judgement. If professional advice or expert assistance is required, the services of a professional person should be sought.

Our company disclaims all warranties of any kind, either express or implied. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. We and our affiliates, associates, employees, officers, content providers, licensors, service providers, directors and agents (hereinafter known as the 'Indemnified Parties') will not be liable for any direct, incidental, indirect, punitive or any other damages, including loss of revenue or income, emotional distress or similiar damages, even if we have been advised of such damages.

You will indemnify the Indemnified Parties harmless from any breach of these TOS by you, and you agree to indemnify all resulting losses, awards, damages, judgements, costs, expenses and legal fees of the Indemnified Parties in this connection.

You may not submit, publish or transmit any material in connection with this site that: you do not have the right to submit, publish or transmit, including the proprietary material of any third party; is pornographic, vulgar, indecent or obscene; does not pertain directly to this site; is illegal or contains intent to commit an illegal act; abuses others, defames, libel, invades privacy, racist or offensive; infringes any intellectual property rights, copyrights, trademarks or service marks of any entity or individual; violates any law; amounts to 'pyramid' or any similiar scheme; includes programs with viruses, worms, Trojan horses or computer codes that are destructive, or interrupt with the functioning of this web site; contains any hyper-links that contains content that falls within the descriptions as above.

These TOS will be governed and interpreted pursuant to the laws of the United States of America, notwithstanding any conflicts of law and you agree to submit to the jurisdiction of the United States of America in the event of any dispute between us. If any part of these TOS is unenforceable, void or unlawful, that part will be deemed severable and will not affect the enforceability of the other provisions.

NO WARRANTIES:

All web sites, products and services are provided, as is, without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose. We do not WARRANT, GUARANTEE, or MAKE ANY REPRESENTATIONS regarding the use, or the results of the use, of the web sites, products, services or written materials in the terms of correctness, accuracy, reliability, currentness or otherwise. The entire risk as to the results and performance of the web sites, products and services are assumed by you. If the web sites, products, services or written materials are defective, you, will assume the entire cost of all necessary servicing, repair or correction.

This is the only warrant of any kind, either express or implied, that is made by us. No oral or written information or advice given by us shall create a warranty or in any way increase the scope of this warranty, and you may not rely on such information or advice to do so.

JURISDICTION AND LANGUAGE:

This Agreement shall be governed by and construed in accordance with the laws of the United States of America, without regard to its conflict of laws rules. Any legal action arising out of this Agreement shall be litigated and enforced under the laws of the United States of America. In addition, you agree to submit to the jurisdiction of the courts of the United States of America, and that any legal action pursued by you shall be within the exclusive jurisdiction of the courts of United States of America.

The terms constituting this offering are set forth in writing on this web site. You hereby agree to submit to the jurisdiction of the United States of America to resolve any disputes or litigation hereunder. Whether or not you choose to print this offering, containing the terms and conditions as described herein, you agree that this contract constitutes a writing.

This Agreement is being written in English, which is to be the official language of the contract's text and interpretation. If you do not agree with the above terms and conditions, you have the option to not participate in this offer.

COPYRIGHTS AND LICENSES:

This web site and information contains copyrighted material, trademarks, and other proprietary information. You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works of, or in any way exploit, in whole or in part, any Proprietary or other material.