Effective Date: January 1st, 2025

Overview

This website is operated by Wise Investor Collective, Imagos Group, Imagos Capital, Matt Aitchison, and Millionaire Mindcast. Throughout the site, the terms “we,” “us,” and “our” refer to Wise Investor Collective, Imagos Group, Imagos Capital, Matt Aitchison, and Millionaire Mindcast. We offer this website, including all information, tools, and services available on this site, to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here.

By visiting our site and/or purchasing products or services from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service,” “Terms”), including any additional terms, conditions, and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including but not limited to browsers, vendors, customers, merchants, and contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms.

Any new features or tools added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

Our store is hosted on Shopify Inc., which provides us with the online e-commerce platform that allows us to sell our products and services to you.

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Section 1: Using the Website

1.1 Acceptance of Terms

1. By accessing or using the Site, you agree to be bound by these Terms. If you disagree with any part, do not use the Site.

1.2 Eligibility

1. You must be at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

1.3 Prohibited Uses

1. You may not use this site for illegal activities, violate laws, transmit harmful code, worms, viruses, or any code of a destructive nature, or infringe on intellectual property rights.

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Section 2: General Conditions

3.1 We reserve the right to refuse Service to anyone for any reason at any time.

3.2 You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

3.3 You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the Service is provided, without express written permission by us.

3.4The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

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Section 3: Disclaimer About Information

3.1 We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

3.2This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

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Section 3: Changes to Terms

We may update these Terms of Service at any time. Changes are effective upon posting. Continued use constitutes acceptance.

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Section 4: Products and Services

4.1 Product Descriptions and Pricing

1. Product descriptions and pricing are subject to change without notice. We reserve the right to limit sales and quantities, modify, or discontinue the Service (or any part or content thereof) without notice at any time.

4.2 Subscriptions and Pre-Orders

1. Subscriptions may auto-renew; pre-orders are for future products. See our Cancellation Policy for details on cancellations, and our Refund Policy for information about refunds.

4.3 Copyright

1. All course materials are for personal use only and may not be reproduced or distributed.

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Section 5: Intellectual Property

Wise Investor Courses, Guidebooks, E-books, Digital Products, Planners

5.1 This products, including all associated content, tools, and resources, is the exclusive property of Wise Investor Collective. By purchasing or accessing the Wise Investor Collective/Vault Store you agree to the following conditions:

What’s Covered

This policy applies to all course materials, including but not limited to:

• Course Videos & Lectures

• Workbooks & PDFs

• Tools & Spreadsheets (e.g., the Wise Investor Deal Analyzer Spreadsheet)

• Checklists & Templates

• Supplementary Resources

Limited Use Policy

• Personal Use Only:

• All course materials, tools, and resources are provided for your personal educational use. You are permitted to use and customize these resources solely to support your own real estate investing activities.

• Prohibited Actions:

• You may not reproduce, share, distribute, or sell any course content, tools, or resources in any format (digital or physical).

• You may not rebrand, modify, or create derivative versions of course materials or tools for the purpose of reselling or redistributing.

• You may not include any course content or tools in your own educational programs, courses, or services without prior written consent.

• Intellectual Property:

• All content, designs, structures, frameworks, and tools within this course are the intellectual property of Wise Investor Collective and are protected by copyright law.

5.2 Consequences of Misuse

1. Violations of this policy, including unauthorized distribution or reselling of course materials, may result in legal action, termination of course access, and forfeiture of future resources and updates.

For licensing inquiries or permission requests beyond personal use, please contact:

Support@WiseInvestorCollective.com

For information about refunds for digital products, please refer to our Refund Policy.

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Section 5.1: Billing and Account Information

5.1.1 Accurate Information

1. You agree to provide current, complete, and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

5.1.2 Payment Processing

1. Payments are processed securely through third-party providers. See Privacy Policy for data handling.

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Section 6: Optional Tools

Third-party tools may be provided "as-is" without warranties. We are not liable for their use.

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Section 7: Third-Party Links

External links are provided for convenience. We are not responsible for their content or your interactions with them.

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Section 8: User Comments

8.1 User Responsibility

1. You are solely responsible for comments you post. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

8.2 Content Monitoring

1. We may monitor and remove content at our discretion.

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Section 9: Personal Information

Your personal information is handled according to our Privacy Policy.

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Section 10: Mobile Terms of Service

10.1The Wise Investor Collective mobile message service (the "Service") is operated by Imagos | Wise Investor Collective | Millionaire Mindcast | Matt Aitchison (“Wise Investor Collective”, “we”, or “us”). Your use of the Service constitutes your agreement to these terms and conditions (“Mobile Terms”). We may modify or cancel the Service or any of its features without notice. To the extent permitted by applicable law, we may also modify these Mobile Terms at any time and your continued use of the Service following the effective date of any such changes shall constitute your acceptance of such changes.

10.2 By consenting to Wise Investor Collective’s SMS/text messaging service, you agree to receive recurring SMS/text messages from and on behalf of Wise Investor Collective through your wireless provider to the mobile number you provided, even if your mobile number is registered on any state or federal Do Not Call list. Text messages may be sent using an automatic telephone dialing system or other technology. Service-related messages may include updates, alerts, and information (e.g., order updates, account alerts, etc.). Promotional messages may include promotions, specials, and other marketing offers (e.g., cart reminders).

10.3 You understand that you do not have to sign up for this program in order to make any purchases, and your consent is not a condition of any purchase with Wise Investor Collective. Your participation in this program is completely voluntary.

10.4  We do not charge for the Service, but you are responsible for all charges and fees associated with text messaging imposed by your wireless provider. Message frequency varies. Message and data rates may apply. Check your mobile plan and contact your wireless provider for details. You are solely responsible for all charges related to SMS/text messages, including charges from your wireless provider. For more information, see our Privacy Policy.

10.5 You may opt-out of the Service at any time. Text the single keyword command STOP to +18554266132 or click the unsubscribe link (where available) in any text message to cancel. You'll receive a one-time opt-out confirmation text message. No further messages will be sent to your mobile device, unless initiated by you. If you have subscribed to other Wise Investor Collective mobile message programs and wish to cancel, except where applicable law requires otherwise, you will need to opt out separately from those programs by following the instructions provided in their respective mobile terms.

10.6 We may change any short code or telephone number we use to operate the Service at any time and will notify you of these changes. You acknowledge that any messages, including any STOP or HELP requests, you send to a short code or telephone number we have changed may not be received and we will not be responsible for honoring requests made in such messages.

10.7 The wireless carriers supported by the Service are not liable for delayed or undelivered messages. You agree to provide us with a valid mobile number. If you get a new mobile number, you will need to sign up for the program with your new number.

10.8 To the extent permitted by applicable law, you agree that we will not be liable for failed, delayed, or misdirected delivery of any information sent through the Service, any errors in such information, and/or any action you may or may not take in reliance on the information or Service.

We respect your right to privacy. To see how we collect and use your personal information, please see our Privacy Policy.

For Service support or assistance email support@wiseinvestorvault.com

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Section 11: Errors and Inaccuracies

We may correct errors on the Site without notice. We are not liable for any resulting inaccuracies.

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Section 12. Disclaimer of Warranties and Limitation of Liability

12.1 No Warranties

1. The Site and services are provided "as is" without warranties of any kind. We do not warrant that the results that may be obtained from the use of the Service will be accurate or reliable.

12.2 Limitation of Liability

1. We are not liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the Service or any products procured using the Service, or for any other claim related in any way to your use of the Service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Service or any content (or product) posted, transmitted, or otherwise made available via the Service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

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Section 13: Indemnification

You agree to indemnify, defend and hold harmless Wise Investor Collective | Imagos Group | Matt Aitchison | Millionaire Mindcast. and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

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Section 14: Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.

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Section 15: Termination

15.1 Termination by Either Party

1. We may terminate your access for Terms violations. You may terminate by ceasing use.

15.2 Survival of Obligations

1. Certain obligations may survive termination. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement

For information about refunds upon termination, please refer to our Refund Policy.

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Section 16: Governing Law

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of United States.

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Section 17: Contact Information

If you have any questions about these Terms of Service, please contact us at: contact@wiseinvestorcollective.com

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Section 18: Additional Policies

18.1 For information about cancellations and refunds, please refer to our Cancellation Policy and Refund Policy.

18.2 For information about shipping, please refer to our Shipping Policy.

18.3 For additional terms and conditions related to membership and coaching services, please refer to the Wise Investor Collective Membership and 1-on-1 Coaching Agreement.

18.4 For information about how we collect, use, and share your personal information, please refer to our Privacy Policy.