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Website Terms and Conditions

Effective Date: 02/19/2025

  1. Acceptance of Terms

By accessing, browsing, or using this website ("Site"), you agree to be bound by these Terms and Conditions ("Terms") and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this Site. These Terms constitute the entire agreement between you and Novum Wealth LLC ("Novum Wealth", "we", "us", or "our") regarding your use of our services.

  1. Description of Services
  • Online Training: We provide various courses and training programs online. Enrollment in these programs is subject to the specific terms set forth on the course payment or registration page.
  • Hard Money Loans: We offer and facilitate hard money loans for real estate investments. The terms of each loan are detailed in the loan agreement provided at the point of application or approval.
  • Real Estate Transaction Partnerships: We partner in real estate transactions, which may include:
    • Purchasing Properties: Direct acquisition of real estate for investment or development.
    • Buying Real Estate Notes: Investment in mortgage notes or other debt instruments secured by real estate.
  1. User Eligibility
  • Users must be at least 18 years of age or the legal age of majority in their jurisdiction, whichever is greater.
  • Users must possess the legal authority to enter into these Terms and conduct business transactions.
  1. Registration and Account Security
  • Registration may be required for certain services. You agree to provide accurate, current, and complete information during registration.
  • You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. Novum Wealth is not responsible for any loss or damage from your failure to comply with this security obligation.
  1. Payment Terms

    Online Training

    Hard Money Masterclass and Supplemental Trainings

  • Consent: The specific contract terms for the Hard Money Masterclass, any other Masterclass training or Certification, any supplemental trainings, product or services are clearly presented under "Terms and Conditions" at the time of checkout.
  • Contractual Agreement:
    • Acknowledgment at Checkout: In the checkout section of the Site, by selecting the checkbox that reads, “I have read and agree to the terms and conditions of this page as follows:”, you certify that you have thoroughly reviewed and understood the terms and conditions presented on that page.
    • Binding Agreement: By proceeding with payment or enrollment for any course, certification application, product, or service, you explicitly acknowledge that you have read, understood, and agree to be strictly bound by the specific terms and conditions presented at the time of checkout for the product or service you are purchasing or enrolling in.
    • Electronic Signature: Your act of payment or enrolment serves as your electronic signature, officially confirming your acceptance of the contract terms and conditions for the course, product, or service in question. This electronic signature is as legally binding as a handwritten signature.
    • Final Consent: Once payment or enrollment is processed, your consent to the contractual terms and conditions presented at checkout is final, unless otherwise provided by these Terms or applicable law.
    • Refunds: Refunds, if any, are strictly governed by the terms and conditions agreed to at the time of payment. No refunds will be issued for completed or partially completed courses unless explicitly stated in the course-specific agreement. Any refund request must be made in writing within the specified timeframe post-purchase.

Access and Use

  • Single User Access: Access to courses and certifications is restricted to the registered user only and may not be shared or transferred. Sharing credentials or allowing unauthorized access may result in immediate termination of your account.
  • Prohibition on Distribution: Unauthorized distribution or use of course materials is strictly prohibited. Violation of this policy may result in immediate termination of your access, legal action, and claims for damages.

Disclaimer

  • As-Is Basis: All courses are provided "as-is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
  • Limitation of Liability: Novum Wealth shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from the use or the inability to use our services.

Access to Terms Post-Checkout

  • After checkout or enrollment, you can access the terms and conditions by logging into your account and clicking on the correlating link found in the footer at the bottom of the page.
  • Request for Terms: You may also request a copy of the contract terms to be sent to you by email by contacting us at the email address listed in the Contact Us section of NovumWealth.com.
  1. Intellectual Property
  • Ownership: All content on this Site, including but not limited to text, graphics, logos, images, videos, software, and any other material, is the property of Novum Wealth LLC, its affiliates, or its content suppliers, and is protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
  • Rights Reserved: All rights not expressly granted to you are reserved by Novum Wealth LLC and its licensors.
  • Restrictions on Use: You may not use, copy, reproduce, transmit, distribute, modify, adapt, translate, create derivative works from, sell, license, or otherwise exploit any part of the content for any commercial or public purpose without our express written consent.
  • Prohibited Actions: Including framing, using meta tags, or any other hidden text utilizing Novum Wealth's name or trademarks without express permission.
  1. User Conduct

You agree not to engage in any illegal activity, attempt to access unauthorized areas of the Site, or upload/transmit malicious code. Novum Wealth reserves the right to investigate violations and cooperate with law enforcement. Violation of these rules may lead to account suspension or termination without refund.

  1. Limitation of Liability

Novum Wealth LLC shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the services;
  • Any conduct or content of any third party on the services;
  • Any content obtained from the services;
  • Unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.
  1. Privacy

Your use of this Site is governed by our Privacy Policy, which is accessible at NovumWealth.com. By using our services, you consent to our collection, use, and disclosure of personal data as described in the Privacy Policy.

  1. Right to Modify Terms:
  • Novum Wealth LLC retains the exclusive right to amend, update, or modify these Terms and Conditions at any time. Such changes may include, but are not limited to, alterations to the scope of services, user conduct policies, privacy practices, or any other aspect of our relationship with users. We will strive to notify users of material changes through the email address associated with your account or by posting a notice on our website or within our service platform.
  • Changes to the Terms will become effective upon the posting of the revised Terms or at a date specified in the notice. Your continued use of our services or access to our website after the effective date of any such changes will signify your acceptance of the modified Terms. If you do not agree with the revised Terms, you must cease using our services.
  • Please note that certain changes might not apply retroactively to users who have already enrolled in courses or services, subject to the specific terms at the time of enrollment or as otherwise required by law. We encourage users to review the Terms periodically to stay informed of any updates.
  1. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Utah, United States, without giving effect to any principles of conflicts of law.

  1. Contact Information

If you have any questions about these Terms, please contact us at the email or mailing address listed in the Contact Us section of NovumWealth.com.

  1. Termination

We reserve the right to terminate your access to the Service or any part thereof at any time, for cause, if we determine that you have engaged in fraud, violated the law, or have violated any provision of these Terms. Termination for these reasons may occur with or without notice, effective immediately. All provisions of these Terms which by their nature should survive termination shall continue to apply post-termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

  1. Dispute Resolution

Any disputes arising out of or relating to these Terms or use of the Site shall be resolved through binding arbitration in Utah County, Utah, under the rules of the American Arbitration Association. The arbitration shall be conducted by a single, neutral arbitrator. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. You agree to waive any right to a jury trial in any such arbitration or legal action.

  1. Indemnification

You agree to indemnify, defend, and hold harmless Novum Wealth LLC, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses, including without limitation, reasonable attorney's fees and costs, arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity.

  1. Miscellaneous
  • Severability: If any part of these Terms is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.