These Terms and Conditions ("Terms") govern your access and use of the website www.incomeinvestorinstitute.com (the "Site") and any associated products, services, course materials, content, communications, and tools (collectively, the "Services") provided by Income Investor Institute LLC ("we," "us," or "our").

By accessing the Site, purchasing our educational course, subscribing to our alert service, or otherwise using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our Services.

I. Arbitration Agreement & Class Action Waiver

A. Mandatory Binding Arbitration
• Any disputes arising from or relating to the Services or these Terms will be resolved through final and binding arbitration under the rules of the American Arbitration Association (AAA).
B. Class Action Waiver
• You agree to resolve any disputes with us only on an individual basis and waive any right to participate in a class or collective action.
C. Opt-Out
• You may opt out of arbitration within 30 days of accepting these Terms by emailing [email protected] with your full name and mailing address.
D. Governing Law
• This agreement and any dispute shall be governed by the laws of the State of Oklahoma and applicable U.S. federal law.

II. General Terms
• You must be at least 18 years old to use our Services.
• You agree not to misuse, duplicate, or redistribute any part of the Services in violation of these Terms.

III. Educational Purpose Only
• All information provided in our course or alert service is for educational purposes only and does not constitute financial, investment, tax, or legal advice.
• Income Investor Institute is not a registered investment advisor, broker-dealer, or financial planner.
• Trading and investing involve risk. You are solely responsible for your own investment decisions and agree to consult with a qualified advisor before making financial decisions.

IV. Access and Accounts
• You will need to create an account to access certain parts of the Services.
• You agree to keep your login credentials confidential and not share access with others.
• We reserve the right to terminate accounts that violate our terms.

V. Course Purchase and Refund Policy
• Lifetime access to the educational course is available for a one-time payment.
• No refunds are issued for the course under any circumstances.

VI. Alert Service Subscription and Trials
• We offer a 2-week free trial of the alert service.
• After the trial, your card will be charged automatically unless canceled.
• Alerts are billed monthly or annually.
• You may cancel up to 14 days before your next billing period to avoid charges.
• No partial refunds or credits are offered.

VII. Modifications to Services and Terms
• We may update, change, or discontinue parts of the Site or Services at any time.
• We may also modify these Terms. Continued use after changes means you accept the updated Terms.

VIII. Privacy and Communications
• By using our Services, you agree to our Privacy Policy.
• You consent to receive emails and SMS messages from us for account, marketing, and transactional purposes.
• Message/data rates may apply. You may opt out by following provided instructions.

IX. Intellectual Property
• All content provided through the Site and Services is our intellectual property or licensed to us.
• You may not reproduce, modify, or distribute any materials without express permission.

X. Limitation of Liability
• To the fullest extent permitted by law, we disclaim all warranties and shall not be liable for any direct, indirect, incidental, or consequential damages related to your use of the Services.

XI. Termination
• We may suspend or terminate your access to the Services at any time for any reason.
• Sections that reasonably should survive termination shall remain in effect.

XII. Contact Information
If you have any questions about these Terms, please contact us at:
Income Investor Institute
7023 N Classen Blvd
Oklahoma City, OK 73116
[email protected]