TABLE OF CONTENTS

Your Privacy

Your Content

Code of Conduct

Using the Services & Support

Using Third-Party Apps and Services

Service Availability

Updates to the Services or Software, and Changes to These Terms

Software License

Payment Terms

Canceling the Services

Trial-Period Offers

Promotional Offers

Price Changes

Payments to You

Gift Cards

Choice of Law and Place to Resolve Disputes

Warranties

Limitation of Liability

Gamification and Social Structures

Store

Safety Warning

Health and Wellness Related Courses and Services

HIPAA Compliance

Digital Goods

Miscellaneous

Export Laws

Unsolicited Ideas

NOTICES

CREATING AN ACCOUNT

When you create an Intupower account by signing up online, you agree not to use any false, inaccurate or misleading information. In some cases, a third-party/corporate account, like your organization or employer, may have assigned an Intupower account to you. If you received your Intupower account from a third party, the third-party may have additional rights over your account, like the ability to access or delete your Intupower account. Please review any additional terms the third party provided you, as Intupower has no responsibility regarding these additional terms. If you create an Intupower account on behalf of an entity, such as your business or employer, you represent that you have the legal authority to bind that entity to these Terms. You cannot transfer your Intupower account to another user or entity. To protect your account, keep your account details and password confidential. You are responsible for all activity that occurs under your Intupower account. Your Intupower account may be linked to Facebook, Google, Amazon, Okta, Twitter, Linkedin, or other partner authentication platforms. Intupower does not provide support for these other platforms and they should be contacted directly. Please note: Our platform does not support anonymous users.

ACCOUNT USE

You must use your Intupower account to keep it active. This means you must sign in at least once in a two-year period to keep your Intupower account, and associated Services, active, unless provided otherwise in an offer for a paid portion of the Services. If you do not sign in during this time, we will assume your Intupower account is inactive and will close it for you.

MINORS AND ACCOUNTS

Intupower’s courses and programs are geared towards adults unless otherwise indicated specifically. By using the Services, you represent that you have either reached the age of "majority" where you live or have valid parent or legal guardian consent to be bound by these Terms. If you do not know whether you have reached the age of majority where you live, or do not understand this section, please ask your parent or legal guardian for help before you create an Intupower account. If you are the parent or legal guardian of a minor that creates an Intupower account, you accept these Terms on the minor’s behalf and are responsible for all use of the Intupower account or Services, including purchases, whether the minor’s account is now open or created later.

CLOSING YOUR ACCOUNT

You can cancel specific Services and/or close your Intupower account at any time and for any reason. To close your Intupower account, please visit your Account Settings page after logging in.

If your Services are canceled or your Intupower account is closed (whether by you or us), a few things happen. First, your right to use the Services stops immediately and your license to use the software related to the Services ends. Second, we will delete Data or Your Content associated with your Intupower account or will otherwise disassociate it from you and your Intupower account (unless we are required by law to keep it). You should have a regular backup plan as Intupower will not be able to retrieve Your Content or Data once your account is closed. Third, you may lose access to material or products you have acquired.

WORK OR SCHOOL ACCOUNTS

You can sign into certain Intupower services with a work or school email address. If you do, you agree that the owner of the domain associated with your email address may control and administer your account, and access and process your data, including the contents of your communications and files. You further agree that your use of the services may be subject to the agreements that Intupower has with you or your organization and these terms do not apply. If you use a work or school email address to access Services covered under these Terms, you may be prompted to update the email address associated with your Intupower account in order to continue accessing such Services.

ADDITIONAL EQUIPMENT/DATA PLANS

To use many of the Services, you will need an internet connection and/or data/cellular plan. You might also need additional equipment, like a headset, camera or microphone. You are responsible for providing all connections, plans, and/or equipment needed to use the Services and for paying the fees charged by the provider(s) of your connections, plans, and equipment. Those fees are in addition to any fees you pay us for the Services and we will not reimburse you for such fees. Check with your provider(s) to determine if there are any such fees that may apply to you.

SERVICE NOTIFICATIONS

When there is something important to tell you about a Service you use, we will send you Service notifications to the email associated with your Intupower account. If you gave us your phone number in connection with your Intupower account, then we may send Service notifications to you via SMS (text message), including verifying your identity before registering your mobile phone number. Data or messaging rates may apply when receiving notifications via SMS.

SUPPORT

Customer support for the Services is available at http://support.intupower.com

The Services may allow you to access or acquire products, services, websites, links, content, material, games or applications (also known as "apps" or "app") from third parties (companies or people who are not Intupower) ("Third-Party Apps and Services"). Many of our Services also help you find Third-Party Apps and Services, and you understand that you are directing our Services to provide Third-Party Apps and Services to you. The Third-Party Apps and Services may also allow you to store Your Content or Data with the publisher, provider, or operator of the Third-Party Apps and Services. The Third-Party Apps and Services may present you with a privacy policy or require you to accept additional terms of use before you can install or use the Third-Party App or Service. You should review any additional terms and privacy policies before acquiring or using any Third-Party Apps and Services. Any additional terms do not modify any of these Terms. You are responsible for your dealings with third parties. Intupower does not license any intellectual property to you as part of any Third-Party Apps and Services and is not responsible for information provided by third parties.

Service Availability

We strive to keep the Services up and running; however, all online services suffer occasional disruptions and outages, and Intupower is not liable for any disruption or loss you may suffer as a result. In the event of an outage, you may not be able to retrieve Your Content or Data that you have stored. We recommend that you regularly backup Your Content that you store on the Services or store using Third-Party Apps and Services. The Services, Third-Party Apps and Services, or material or products offered through the Services may be unavailable from time to time, maybe offered for a limited time, or may vary depending on your region or device.

We may change these Terms at any time, and we will tell you when we do. Using the Services after the changes become 

Sometimes you will need software updates to keep using the Services. We may automatically check your version of the software and download software updates or configuration changes. You may also be required to update the software to continue using the Services. Such updates are subject to these Terms unless other terms accompany the updates, in which case, those other terms apply. Intupower is not obligated to make any updates available and we do not guarantee that we will support the version of the system for which you licensed the software.effective means you agree to the new terms. In case you missed the communication from us, you are responsible for checking these terms for updates. If you do not agree to the new terms, you must stop using the Services and close your Intupower account. If you are a parent or guardian, help your minor child close his or her Intupower account.

Software License

Unless accompanied by a separate Intupower license agreement (for example, if you are using an Intupower application that is included with and a part of Windows, then the Intupower Software License Terms for the Windows Operating System govern such software), any software provided by us to you as part of the Services is subject to these Terms.

If you comply with these Terms, we grant you the right to install and use one copy of the software per device on a worldwide basis for use by only one person at a time as part of your use of the Services. The software or website that is part of the Services may include third-party code. Any third-party scripts or code, linked to or referenced from the software or website, are licensed to you by the third parties that own such code, not by Intupower. Notices, if any, for the third-party code are included for your information only.

The software is licensed, not sold, and Intupower reserves all rights to the software not expressly granted by Intupower, whether by implication, estoppel, or otherwise. This license does not give you any right to, and you may not:

• Circumvent or bypass any technological protection measures in or relating to the software or Services;
• Disassemble, decompile, decrypt, hack, emulate, exploit, or reverse engineer any software or other aspect of the Services that is included in or accessible through the Services, except and only to the extent that the applicable copyright law expressly permits doing so;
• Separate components of the software or Services for use on different devices;
• Publish, copy, rent, lease, sell, export, import, distribute, or lend the software or the Services unless Intupower expressly authorizes you to do so;
• Transfer the software, any software licenses, or any rights to access or use the Services;
• Use the Services in any unauthorized way that could interfere with anyone else’s use of them or gain access to any service, data, account, or network;
• Enable access to the Services or modify any Intupower-authorized device by unauthorized third-party applications.

Charges

If there is a charge associated with a portion of the Services, you agree to pay that charge. The price stated for the Services excludes all applicable taxes and currency exchange settlements unless stated otherwise. You are solely responsible for paying such taxes or other charges. Taxes are calculated based on your location at the time your Intupower account was registered. We may suspend or cancel the Services if we do not receive an on-time, full payment from you. Suspension or cancellation of the Services for non-payment could result in a loss of access to and use of your account and its content. Connecting to the Internet via a corporate or another private network which masks your location may cause charges to be different from those displayed for your actual location.

YOUR BILLING ACCOUNT

To pay the charges for a Service, you will be asked to provide a payment method at the time you sign up for that Service. You can access and change your billing information and payment method on the Account Settings page. Additionally, you agree to permit Intupower to use any updated account information regarding your selected payment method provided by your issuing bank or the applicable payment network. You agree to promptly update your account and other information, including your email address and payment method details, so we can complete your transactions and contact you as needed in connection with your transactions. Changes made to your billing account will not affect charges we submit to your billing account before we could reasonably act on your changes to your billing account.

BILLING

By providing Intupower with a payment method, you:

• Represent that you are authorized to use the payment method that you provided and that any payment information you provide is true and accurate;
• Authorize Intupower to charge you for the Services or available content using your payment method;
• Authorize Intupower to charge you for any paid feature of the Services that you choose to sign up for or use while these Terms are in force. We may bill you:
• In advance;
• At the time of purchase;
• Shortly after purchase; or
• On a recurring basis for subscription Services.

Also, we may charge you up to the amount you have approved, and we will notify you in advance of any change in the amount to be charged for recurring subscription Services. We may bill you at the same time for more than one of your prior billing periods for amounts that have not previously been processed.

Recurring Payments

When you purchase the Services on a subscription basis (e.g., monthly, every 3 months or annually (as applicable)), you acknowledge and agree that you are authorizing recurring payment, and payments shall be made to Intupower by the method you have chosen at the recurring intervals chosen by you, until the subscription for that Service is terminated by you or by Intupower. By authorizing recurring payments, you are authorizing Intupower to process such payments as either electronic debits or fund transfers, or as electronic drafts from your designated account (in the case of Automated Clearing House or similar payments), or as charges to your designated account (in the case of credit card or similar payments) (collectively, "Electronic Payments"). Subscription fees are generally billed or charged in advance of the applicable subscription period. If any payment is returned unpaid or if any credit card or similar transaction is rejected or denied, Intupower or its service providers reserve the right to collect any applicable return item, rejection or insufficient funds fee and to process any such payment as an Electronic Payment.

Automatic Renewal

Provided that automatic renewals are allowed in your state, you may choose for Services to automatically renew at the end of a fixed service period. We will remind you by email before any Services renew for a new term, and notify you of any price changes. Once we have reminded you that you elected to automatically renew the Services, we may automatically renew your Services at the end of the current service period and charge you the then current price for the renewal term, unless you have chosen to cancel the Services as described below. We will also remind you that we will bill your chosen payment method for the Services renewal, whether it was on file on the renewal date or provided later. We will also provide you with instructions on how you may cancel the Services. You must cancel the Services before the renewal date to avoid being billed for the renewal.

Online statements and errors

Intupower will provide you with an online billing statement on the Account dashboard, where you can view and print your statement. This is the only billing statement that we provide. If we make an error on your bill, you must tell us within 90 days after the error first appears on your bill. We will then promptly investigate the charge. If you do not tell us within that time, you release us from all liability and claims of loss resulting from the error and we will not be required to correct the error or provide a refund. If Intupower has identified a billing error, we will correct that error within 90 days.

Refund Policy

Unless otherwise provided by law or by a particular Service offer, all purchases are final and non-refundable. If you believe that Intupower has charged you in error, you must contact us within 90 days of such a charge. No refunds will be given for any charges more than 90 days old. We reserve the right to issue refunds or credits at our sole discretion. If we issue a refund or credit, we are under no obligation to issue the same or similar refund in the future. This refund policy does not affect any statutory rights that may apply.

You may cancel a Service at any time, with or without cause. To cancel a Service and request a refund, if you are entitled to one, visit the Account Settings page. You should refer back to the offer describing the Services as:

• You may not receive a refund at the time of cancellation;
• You may be obligated to pay cancellation charges;
• You may be obligated to pay all charges made to your billing account for the Services before the date of cancellation; or
• You may lose access to and use of your account when you cancel the Services.

If you cancel, your access to the Services ends at the end of your current Service period or, if we bill your account on a periodic basis, at the end of the period in which you canceled.

Trial-Period Offers

If you are taking part in any trial-period offer, you must cancel the trial Service(s) by the end of the trial period to avoid incurring new charges, unless we notify you otherwise. If you do not cancel the trial Service(s) by the end of the trial period, we may charge you for the Service(s).

From time to time, Intupower may offer Services for a trial period during which Intupower will not charge you for the Services. Intupower reserves the right to charge you for such Services (at the normal rate) in the event that Intupower determines (in its reasonable discretion) that you are breaching the terms and conditions of the offer.

Price Changes

 We may change the price of the Services at any time and if you have a recurring purchase, we will notify you by email at least 15 days before the price change. If you do not agree to the price change, you must cancel and stop using the Services before the price change takes effect. If there is a fixed term and price for your Service offer, that price will remain in force for the fixed term.

Payments to you

If we owe you a payment, then you agree to timely and accurately provide us with any information we need to get that payment to you. You are responsible for any taxes and charges you may incur as a result of this payment to you. You must also comply with any other conditions we place on your right to any payment. If you receive a payment in error, we may reverse or require the return of the payment. You agree to cooperate with us in our efforts to do this. We may also reduce the payment to you without notice to adjust for any previous overpayment.

Gift Cards

Redemption and use of gift cards are governed by the Intupower Gift Card Terms and Conditions.

HeadingHow to Resolve Disputes: Arbitration Clause

Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial [or other] Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Limitation of Liability

If you have any basis for recovering damages (including breach of these Terms), you agree that your exclusive remedy is to recover, from Intupower or any affiliates, resellers, distributors, Third-Party Apps and Services providers, and vendors, direct damages up to an amount equal to your Services fee for the month during which the breach occurred (or up to $10.00 if the Services are free). You cannot recover any other damages or losses, including direct, consequential, lost profits, special, indirect, incidental, or punitive. These limitations and exclusions apply even if this remedy does not fully compensate you for any losses or fails of its essential purpose or if we knew or should have known about the possibility of the damages. To the maximum extent permitted by law, these limitations and exclusions apply to anything or any claims related to these Terms, the Services, or the software related to the Services.

Gamification and Social Structures

Intupower utilizes gamification to track user activity, accomplishments and social trends. This data is used to quantify and qualify activity for awards, both via points and those of monetary value including discounts to Services. Social Structures such as groups and (possibly hidden) metadata are utilized for classification and metrics tracking.

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License Term

We will identify the publisher of each application available in the relevant Store. The Standard Application License Terms ("SALT") at the end of these Terms are an agreement between you and the application publisher setting forth the license terms that apply to your use of an application you download through the Store, unless different license terms are provided with the application.

Ratings and Reviews

If you rate or review a course or program in the Store, you may receive an email from Intupower containing content from the publisher of the application. Any such email comes from Intupower; we do not share your email address with publishers of applications you acquire through the Store.

Copyright and Trademark Notices

The Services are copyright © 2018 Intupower, LLC and/or its suppliers, 3225 Mcleod Dr., Suite 100, Las Vegas, NV 89121, U.S.A. All rights reserved. Intupower and the names, logos, and icons of all Intupower products, software, and services may be either trademarks or registered trademarks of Intupower in the United States and/or other countries. The names of actual companies and products may be the trademarks of their respective owners. Any rights not expressly granted in these Terms are reserved.

Medical Notice

Intupower does not provide medical or any other healthcare advice, diagnosis, or treatment. Always seek the advice of your physician or another qualified healthcare provider with any questions you may have regarding a medical condition, diet, fitness, or wellness program. Never disregard professional medical advice or delay in seeking it because of information you accessed on or through the Services.

STOCK QUOTES AND INDEX DATA (INCLUDING INDEX VALUES)

© 2013 Morningstar, Inc. All Rights Reserved. The information contained herein:

• Is proprietary to Morningstar and/or its content providers;
• May not be copied or distributed
• And is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

You may not use any of the Dow Jones Indexes, SM, index data, or the Dow Jones marks in connection with the issuance, creation, sponsorship, trading, marketing, or promotion of any financial instruments or investment products (for example, derivatives, structured products, investment funds, exchange-traded funds, investment portfolios, etc., where the price, return and/or performance of the instrument or investment product is based on, related to, or intended to track any of the Indexes or a proxy for any of the Indexes) without a separate written agreement with Dow Jones.

Financial Notice

Intupower provides education and data. The decisions you make with that education and data are ultimately up to you and are solely your responsibility. This is applicable to all topics including but not limited to taxes, budgeting, accounting, financial management, investing (traditional and non-traditional products), saving, purchasing of insurance products, hiring of financial professionals, seeking legal advice, creating and structuring businesses/entities. Any examples used are solely for the purposes of demonstration and education, and should not be attempted in duplication in any form.

It is nearly impossible to provide universal financial advice that is applicable to everyone, everywhere. We at Intupower, do not provide financial advice, even if the trainers are licensed financial or legal professionals. Financial advice should only be considered after weighing numerous considerations. Intupower makes no attempt to learn your financial considerations or offer such advice. Any situations discussed in courses are for example purposes only.

Intupower’s courses and material are intended to be informative and to aid in the education of its audience. Although the authors and publishers may be engaged in rendering legal, financial, tax preparation, and other professional services – our content is not a substitute for legal, accounting, or other professional services. Because laws vary from state to state and are constantly changing, readers who require expert assistance or legal advice should seek the services of competent professionals.

The authors and publishers specifically disclaim responsibility for any liability, loss, or risk, personal or otherwise, which may be incurred as a consequence, directly or indirectly, of the use and/or application of the contents of this book.

Intupower is not a broker/dealer or registered investment advisor under United States federal securities law or securities laws of other jurisdictions and does not advise individuals as to the advisability of investing in, purchasing, or selling securities or other financial products or services. Nothing contained in the Services is an offer or solicitation to buy or sell any security. Neither Intupower nor its licensors of stock quotes or index data endorse or recommend any particular financial products or services. Nothing in the Services is intended to be professional advice, including but not limited to, investment or tax advice.

The written materials, along with the accompanying documents and audio/video recordings, are designed to provide accurate and authoritative information in regard to the subject matter covered. They are intended to be general in nature and used for reference and preliminary finance and tax planning. Neither the publishers, authors nor speakers are rendering specific tax, legal, accounting or other professional advice. Every taxpayer’s tax situation is different and thus all of the information presented in Services may not be applicable to every taxpayer’s tax situation. It is important for all users of these materials to understand that tax laws change constantly and due to the complexity of the laws themselves, professional advice should be sought before implementing any of the tax strategies offered in this program.

NOTICE ABOUT THE H.264/AVC, MPEG-4 VISUAL, AND VC-1 VIDEO STANDARDS

The software may include H.264/AVC, MPEG-4 Visual and/or VC-1 codec technology that may be licensed by MPEG LA, L.L.C. This technology is a format for data compression of video information. MPEG LA, L.L.C. requires this notice:

THIS PRODUCT IS LICENSED UNDER THE H.264/AVC, MPEG-4 VISUAL, AND THE VC-1 PATENT PORTFOLIO LICENSES FOR THE PERSONAL AND NONCOMMERCIAL USE OF A CONSUMER TO (A) ENCODE VIDEO IN COMPLIANCE WITH THE STANDARDS ("VIDEO STANDARDS") AND/OR (B) DECODE H.264/AVC, MPEG-4 VISUAL, AND VC-1 VIDEO THAT WAS ENCODED BY A CONSUMER ENGAGED IN A PERSONAL AND NONCOMMERCIAL ACTIVITY AND/OR WAS OBTAINED FROM A VIDEO PROVIDER LICENSED TO PROVIDE SUCH VIDEO. NONE OF THE LICENSES EXTEND TO ANY OTHER PRODUCT REGARDLESS OF WHETHER SUCH PRODUCT IS INCLUDED WITH THIS SOFTWARE IN A SINGLE ARTICLE. NO LICENSE IS GRANTED OR SHALL BE IMPLIED FOR ANY OTHER USE. ADDITIONAL INFORMATION MAY BE OBTAINED FROM MPEG LA, L.L.C. SEE THE MPEG LA WEBSITE.

For clarification purposes only, this notice does not limit or inhibit the use of the software provided under these Terms for normal business uses that are personal to that business which do not include (i) redistribution of the software to third parties, or (ii) creation of material with the VIDEO STANDARDS compliant technologies for distribution to third parties.