Before becoming a Subscriber (a "Subscriber") to any Avenue Growth, LLC service (the "Service(s)"), you must read and agree to the following terms and conditions of use (the "Terms and Conditions") which govern your use of this Website and your relationship with Avenue Growth, LLC, and all individuals and companies associated with this Website (collectively referred to as "Avenue Growth" or "We"). If you do not agree to these Terms and Conditions, do not use the Service. We may change the Terms and Conditions from time to time and at any time without notice to you, by posting such changes on this Website. By using the Service following any modifications to these Terms and Conditions, you agree to be bound by any such modifications to the Terms and Conditions.

Terms and Conditions

By using the Service, including any content contained therein, you agree that use of the Service is entirely at your own risk. Avenue Growth is not a registered investment advisor, legal advisor, or compliance officer. You understand and acknowledge that there is a degree of risk involved in marketing and advertising activities in regulated industries, including mortgage lending and real estate. Past results of any individual published on this Website are not indicative of future results, and are not indicative of future returns which will be realized by you. We assume no responsibility or liability for your individual decisions, marketing activities, and business results. The indicators, strategies, columns, articles, AI-generated content, automation workflows, and all other features (collectively, the "Content") are provided for informational and educational purposes only and should not be construed as legal, compliance, or professional advice. The analysts and employees or affiliates of Avenue Growth may hold positions or interests in industries discussed here. You should not rely solely on the Content in making any decision. Rather, you should use the Content only as a starting point for doing additional independent research and consulting with your compliance department, legal counsel, or other qualified advisors before publishing or distributing any content in regulated industries. Factual statements in this web page are made as of the date stated and are subject to change without notice.

By using the Content on the Service, you assume full responsibility for any and all gains and losses, financial, reputational, regulatory, or otherwise, experienced, suffered or incurred by you. Avenue Growth does not guarantee the accuracy, completeness, compliance, or timeliness of, or otherwise endorse in any way, the views, opinions or recommendations expressed in the Content. Avenue Growth does not give legal, compliance, or investment advice, and does not advocate the publication or distribution of any specific content by you or any other individual without prior review by your applicable compliance personnel. The Content is not intended to provide tax, legal, compliance, or investment advice, which you should obtain from your professional advisor prior to acting on any Content of the type discussed herein. The Content does not constitute a guarantee of regulatory compliance by the information providers, Avenue Growth, or others.

THE SERVICE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE. SPECIFICALLY, AVENUE GROWTH DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, REGULATORY COMPLIANCE, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORT, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. NEITHER AVENUE GROWTH NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF SERVICE OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICE OR OUT OF ANY BREACH OF ANY WARRANTY. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF AVENUE GROWTH, ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, AND CONTENT OR SERVICE PROVIDERS RESPECTIVE LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY SUCH STATE LAW.

Website Disclaimer

Avenue Growth, LLC or one of its affiliates, is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing in the Service and website, and is the copyright owner or licensee of the content and/or information on the Website, unless otherwise indicated. Avenue Growth does not grant to you a license to any content, features or materials you may access on this Website. You may not download or save a copy of any of the content or screens except as otherwise provided in these Terms and Conditions, for any purpose.

You may, however, print a copy of the information on this Website solely for your personal use or records. If you make any other use of this Website, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. We do not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, other copyrightable material or any other intellectual property, by including them on this Website.

We reserve the right to change any information on this Website, including but not limited to revising and/or deleting features or other information without prior notice to you. Accessing certain links within this Website may provide you with access to other Websites for which we assume no responsibility of any kind for the content, availability or otherwise. The content of this Website may vary depending upon your browser functionality and limitations.

You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access, and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including a computer, software, and a working internet connection.

In consideration of your use of the Service, you agree that you are at least eighteen (18) years of age and you agree: (a) to provide true, accurate, current and complete information about yourself as prompted by the Registration Form, and (b) to maintain and update this information to keep it true, accurate, current and complete. If any information provided by you is untrue, inaccurate, not current or incomplete, we have the right to terminate your account and refuse any and all current or future use of the Service. You agree not to resell or transfer the Service or use of or access to the Service.

Payment, Renewals, and Refund Policy

Each paid Subscriber is responsible for the subscription fees and any charges incurred to access the Service. After you become a Subscriber and after the initial subscription period, Avenue Growth will automatically charge your credit card at the then current subscription fee rate applicable to your subscription term until you cancel your subscription by contacting our office via the contact form on our website, by phone, via our support email, or by US mail. Subscription renewals are billed on the anniversary date of your original membership registration. Subscription cancellations must be received prior to the subscription renewal date. No refunds shall be provided for cancellation requests received on or after the respective renewal date.

Content, AI-generated materials, workflows, and other information on the Service are provided by various sources and tools. Daily or periodic updates are subject to platform and technology availability and are based on the latest information available at the time of generation. Market conditions, regulatory requirements, and industry standards referenced on this Website are for general informational purposes only, and are not intended to be relied upon as definitive compliance guidance. Neither Avenue Growth nor any of its data or content providers shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

User Conduct

While using the Service, you may not:

1. Upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the Service which is protected by copyright, or other proprietary or intellectual property right, or derivative works with respect thereto, without obtaining permission of the copyright owner or right holder.

2. Upload, post, publish, reproduce, transmit or distribute in any way any component of the Service itself or derivative works with respect thereto, as the Service is copyrighted as a collective work under U.S. copyright laws.

3. Upload, post, publish or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute illegal activity, give rise to civil liability, or otherwise violate any local, state, national or foreign law, including without limitation applicable U.S. laws and regulations.

4. Upload, post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained through the Service for commercial purposes (other than as expressly permitted by the provider of such information, software or other material).

5. Restrict or inhibit any other user from using and enjoying the Service.

6. Offer, sell or buy any security or other investment vehicle in connection with use of the Service.

7. Knowingly violate any laws, including without limitation applicable federal and state regulations, including but not limited to RESPA, TILA/Regulation Z, ECOA, UDAAP, Fair Lending laws, the NAR Code of Ethics, FTC Endorsement Guides, VA Advertising Rules, and applicable state licensing requirements including NMLS disclosure obligations.

8. Post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by Avenue Growth).

9. Engage in spamming or flooding.

10. Impersonate any other person or entity, or misrepresent your affiliation with any other person or entity.

11. Post or transmit any information or software which contains a virus, trojan horse, worm or other harmful component.

Subscribers to Avenue Growth services may share AI-generated content and materials with their clients, partners, prospects and others as the Subscriber may see fit for their business purposes, subject to compliance with applicable regulatory requirements. Subscribers are solely responsible for reviewing all AI-generated content for compliance with applicable laws and regulations prior to publication or distribution. The clients, partners, prospects and others receiving content from the Subscriber may NOT in turn rebrand and redistribute such content as originating from Avenue Growth.

We have no obligation to monitor the Service. You acknowledge and agree, however, that we do retain the right to monitor the Service and, subject to the limitations of the Avenue Growth Privacy Policy, to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Service properly, or to protect itself or its Subscribers. We will not intentionally monitor or disclose any private electronic-mail message unless required by law. We reserve the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions.

AI-Generated Content Disclaimer

The Service includes AI-powered tools that generate marketing content, social media posts, email newsletters, video scripts, and other materials. You acknowledge and agree that:

(a) All AI-generated content is provided as a starting point and requires your independent review before publication or distribution; (b) Avenue Growth does not guarantee that any AI-generated content complies with applicable regulatory requirements including but not limited to RESPA, TILA/Regulation Z, ECOA/Fair Lending, UDAAP, NAR regulations, FTC Endorsement Guides, VA Advertising Rules, or applicable state licensing laws; (c) You are solely responsible for ensuring all content you publish or distribute complies with applicable laws and regulations and your company's internal compliance policies; (d) You should consult with your compliance department, legal counsel, or other qualified advisors before publishing AI-generated content; (e) Avenue Growth's compliance-aware content features are designed to reduce risk but do not constitute a guarantee of regulatory compliance; and (f) Avenue Growth shall not be liable for any regulatory action, fine, penalty, or other consequence arising from your publication or distribution of any content generated through the Service.

Submissions

All information submitted to the Service via this Website shall be deemed and remain the property of Avenue Growth, and we shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information any user of this Website provides to Avenue Growth through this Website. Avenue Growth shall not be subject to any obligations of confidentiality regarding submitted information, except as agreed by Avenue Growth or as otherwise specifically agreed or required by law.

Links from and to Website

Avenue Growth is not necessarily affiliated with sites that may be linked to the Website and is not responsible for their content. The existence of such links does not indicate any approval, endorsement or authentication of any material appearing on such linked websites or any association between Avenue Growth and their owners or operators. You assume sole responsibility for use of third party websites.

You acknowledge and agree that Avenue Growth and any of its Website co-branding providers have no responsibility for the accuracy or availability of information provided by linked websites. Links to external websites do not constitute an endorsement by Avenue Growth or its Website co-branding providers of the sponsors of such sites or the content, products, advertising or other materials presented on such sites.

Content in the many web pages that are linked to the Service comes from a variety of sources. We do not author, edit, or monitor these unofficial pages or links. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such external sites or resources.

Communication and Submissions

When you visit this Website or send emails to Avenue Growth, you are communicating with Avenue Growth electronically. You consent to receive communications from Avenue Growth electronically. Avenue Growth will communicate with you by e-mail or by posting notices on this Website. You agree that all agreements, notices, disclosures and other communications that Avenue Growth provides to you electronically satisfy any legal requirement that such communications be in writing.

From time-to-time, Avenue Growth may provide its members with communications containing information that Avenue Growth feels is of interest and/or importance to its members. By using the Website and therefore agreeing to the terms of this Agreement, you hereby give Avenue Growth your express consent to receive such communications.

Any creative materials which you transmit to the Website or Avenue Growth by electronic mail, digital communication, or otherwise, including creative suggestions, ideas, notes, drawings, concepts or other information (collectively, the "Information") shall be deemed, and shall remain, the property of Avenue Growth. None of the Information shall be subject to any obligation of confidence on the part of Avenue Growth and Avenue Growth shall not be liable for any use or disclosure of any Information and Avenue Growth is hereby granted a non-exclusive license to use in perpetuity, throughout the universe, any now known or hereafter existing rights to the Information of every kind and nature and shall be entitled without restriction to use, reproduce, modify, adapt, publish, translate, create derivative works from, and distribute or incorporate the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

Failure to Comply With Terms and Conditions and Termination

Subscription to this Service may be terminated at any time, and without cause, by either Avenue Growth or the Subscriber, upon notification by US Mail, overnight delivery service, telephone or e-mail. When termination is requested by a Subscriber, subscription fees are subject to the Refund Policy listed above. Subscribers are liable for charges incurred by them until termination of service.

You acknowledge and agree that we may terminate your password or account or deny you access to all or part of the Service without prior notice if you engage in any conduct or activities that we, in our sole discretion, believe violate any of these Terms and Conditions, violate the rights of Avenue Growth, or is otherwise inappropriate for continued access.

You acknowledge and agree that we may, in our sole discretion, deny you access, through the Service, to third party services, merchandise, materials or information on the Internet, and we shall have no responsibility to notify any third-party providers of services, merchandise or information nor shall we have any responsibility for any consequences resulting from lack of notification.

You agree to defend, indemnify and hold Avenue Growth, LLC and its affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys' fees, arising in any way from your use of the Service or the placement or transmission of any message, information, software or other materials through the Service by you or users of your account or related to any violation of these Terms and Conditions by you or users of your account.

Miscellaneous

The Terms and Conditions and the relationship between you and Avenue Growth shall be governed by the laws of the State of Minnesota, without regard to its conflict of law provisions. You and Avenue Growth each agree to submit to the personal and exclusive jurisdiction of the courts located within Washington County, Minnesota.

The failure of Avenue Growth to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of the Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms and Conditions remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred.