PRIVACY POLICY

Effective September 7, 2010
Our Commitment to Privacy
Our Privacy Policy was developed as an extension of our commitment to combine quality products and services with integrity in dealing with our customers. The Policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our website and our products and services.
No Use of Our Site by Persons Under 18
No person under 18 should disclose information on this website or sign up for any information or seminar. You may learn more about protecting children's privacy online by visiting www.ftc.gov/kidzprivacy. 

What Information Do We Collect?
When you visit our website you may provide us with two types of information: personal information you actively choose to disclose ("Active Information") and information collected, in a way not visible to you, on an aggregate anonymous basis as you and others browse our website ("Passive Information").
Active Information You Choose to Provide
In order to gain use of the site (become a “user”), we require you to disclose the following information:
* Your first and last name
* Your mailing address
* Your email address
* Your telephone number(s)
* Your credit card information
We require you to disclose this following information for us to (and by using our site, downloading and/or buying or downlaoding our products and/or giving us any information you expressly grant us permission to): collect payments for products and membership dues, contact you via telephone, fax, text messages, to mail information to you, or to otherwise contact you in regards to Millionaire Agent Academy Products, promotions or other solicitations or in regards to products or services owned by companies that have agreements with Millionaire Agent Academy, LLC to market products or services. You must be a U.S. resident and over 18 to participate.  By providing your contact information, you agree that you may be called, mailed or emailed, text messaged or otherwise contacted with information related to your request, and/or information regarding our or other parties' related products and services.  If you do not wish to be contacted, please do not use our site, request information from us, contact us, provide us with your information or purchase and/or download our products or our affiliates' products. It is that simple. Do not interact with us and we will not interact with you. Any contact with us will be your express permission for us to contact you in any legally permissible way that we choose. Can this be any more clear? More specifically: YOU AUTHORIZE MIKE COSTIGAN AND KASEY CLANCY TO CONTACT YOU. By submitting your information you grant Mike Costigan and Kasey Clancy and their authorized representative express right to contact you via email, SMS, telephone or any other such methods regarding real estate products, training or other services. You are hereby requesting that Mike Costigan and Kasey Clancy contact you about any opportunities of this nature or any other that he feels may be of benefit to you. Mike primarily sends email via Millionaire Agent Academy's news site RealtyWired and under his name directly. He may also contact you via any of his companies oe DBAs, including, but not limited to REO Rockstars, LLC. RealtyWired is a DBA of Millionaire Agent Academy, LLC under which all billing invoices will be sent. If you do not wish to receive future correspondence at any time you may email [email protected] with removal requests. We honor all requests immediately. Again, you are hereby requesting that Mike Costigan will contact you via email or other means by your submission of your contact information on this or any site owned or managed by Mike Costigan, Kasey Clancy, RealtyWired, REO Rockstars, LLC or Millionaire Agent Academy, LLC.
In addition, you agree that by submitting your Active Information, you are making a purchase, an inquiry and/or an application for purposes of the Telemarketing Sales Rule, 16 CFR §310 et seq., and for the purposes of the state and federal law. Notwithstanding that your telephone number may be listed on the Federal Trade Commission's or a state Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the state and federal law. You also grant us express permission to contact or solicit you by telephone text messaging.
California Residents
If you are a California resident, you have the right to receive: a) information identifying any third party company(ies) to whom we may have disclosed, within the past calendar year, personal information pertaining to you and your family for the company's direct marketing purposes; and b) a description of the categories of personal information disclosed. To obtain such information you must make a request in writing. Your request must include your name and email address, the URL for the website you visited, and a return address or it will not be processed. We will not honor such requests more than once per calendar year.  Please mail your request to Millionaire Agent Academy - 11175 Cicero Drive Suite 100 Alpharetta, GA 30022.
Passive Information Collected  (cookies, IP addresses, other internet browsing information)
What is a Cookie?
Our Site utilizes cookies to collect information about how our Site is used. Passive Information gathered from cookies may include the date and time of visits, the Site pages viewed, time spent at our Site and the websites that you visited just before and just after your visit to our Site. To find out more about cookies, please visit www.cookiecentral.com.  If you do not wish to transmit "cookie" information about yourself, you may turn off the cookie function in your web browser. Please consult the "Help" section of your web browser in order to correctly turn off or disable the cookie functions.  However, please be advised that turning off or disabling the cookie functions on your web browser may prevent our system from properly recognizing you when you visit our Site, and consequently may make your participation in our Program more difficult or invalid.
Our Site's servers also automatically identify your computer by its Internet protocol ("IP") address, which is a unique string of numbers that is assigned to your computer by your Internet service provider. IP addresses are automatically logged by web servers, collecting information about a user's traffic patterns. While the IP address does not identify an individual by name, it may, with the cooperation of the ISP, be used to locate and identify an individual using the Internet. Your IP address can, however, reveal what geographic area you are connecting from, or which ISP you are using. Your IP address may be used to address problems with our server, administer our Site and/or to gather broad demographic information about our Users.  Finally, the other websites that you visit have IP addresses, and we may collect the IP addresses of those websites and their pages, as well.
How Do We Use the Information Collected?
Broadly speaking, persons we employ directly, or as contractors or agents at our direction, use Active Information for purposes of administering our business activities, providing customer services such as support, and distributing information about products and services that you have requested. We may use the Active Information or Passive Information you provide to us to contact you about changes to our website, new services, features or products we offer, or other information we think you may find valuable. If at any time you do not wish to receive such information, you may "opt-out" by clicking the "subscription center" or "unsubscribe" links in any communication you have received or contacting us at Millionaire Agent Academy -  11175 Cicero Drive Suite 100 Alpharetta, GA 30022 , or by email at [email protected].  However, it may take up to ten (10) days for the change to be fully effective. 
We use Passive Information to gather information about our Users and to enhance and design our website to make it easier, faster and friendlier to use. Additionally, cookies help us know information about how many people visit our website, when they visit and how they use our service. Passive Information may result in your viewing of particular advertising based on your user habits for your viewing on our website and a shopping experience customized to you in content, services and goods.
Who Do We Share Information With?
Sharing Information with Marketing Partners
We may share your contact information for the purpose of offering you products and services we think may be of interest to you, from us or from other parties.
Sharing Information in Other Scenarios
We also reserve the right to release your information (both Active Information and Passive Information) in the event that: (1) we believe that the Site is being or has been used to commit unlawful acts; (2) if the information is subpoenaed or otherwise required in a court proceeding; (3) in the event that you violate or breach an agreement with the Site including, but not limited to, this Privacy Policy; (4) in the event that you have submitted fraudulent or otherwise invalid information to this Site; (5) we believe that you may harm, or have harmed, the property or rights of us, the Programs, other Users or any other third party; (6) if we are sold or acquired; or (7) when we otherwise deem it necessary or appropriate. By agreeing to this Privacy Policy, you hereby consent to disclosure of any record or communication to any third-party when we, in our sole discretion, determine the disclosure to be appropriate including, without limitation, sharing your e-mail address with other third-parties for suppression purposes in compliance with the requirements of the CAN-SPAM Act of 2003, as amended from time to time ("CAN-SPAM") or any other applicable state or federal law, rule or regulation.
How Do We Secure Active Information and Passive Information?
We secure your personal information submitted by you by using reasonable technical efforts to prevent unauthorized access or disclosure, or accidental loss or destruction of Active Information and Passive Information.  Efforts we may take to ensure security include but are not limited to: maintaining our own servers under our control and/or monitoring of our network and data for intrusions. Communications you may have with us via email or mail may not be secure unless we advise you that security measures are in place prior to your sending information. Therefore, if you choose to communicate with us through these means, you are assuming the risk of doing so and we request that you do not send or post sensitive information through these means.
How Can You Choose Not to Receive Information about Products or Services by Us or to Correct, Delete or Access Your Information
If you do you not want to receive information about products or services we think may be of interest to you or if you wish to access, delete or correct your information, please contact us at Millionaire Agent Academy -  11175 Cicero Drive Suite 100 Alpharetta, GA 30022 , or by email at [email protected].
YOUR USE OF OUR SITE AND/OR PARTICIPATION IN OUR PROGRAMS MEAN THAT YOU ACCEPT THE PRACTICES SET FORTH IN THIS POLICY. WE RESERVE THE RIGHT TO MAKE CHANGES TO THE POLICY BY POSTING THE NEW VERSION WITH A NEW DATE. YOUR CONTINUED USE INDICATES YOUR AGREEMENT TO THE CHANGES.

Site Submission Rules

By using features of this site that allow you to post or otherwise transmit information to or through this site, or which may be seen by other users, you agree that you shall not upload, post, or otherwise distribute or facilitate distribution of any content -- including text, communications, video, software, images, sounds, data, or other information -- that:

• is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, tortuous, obscene, sexually explicit or graphic, or otherwise in violation of this site’s rules or policies;
•  
• victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
•  
• infringes any patent, trade mark, service mark, trade secret, copyright, moral right, right of publicity, privacy or other proprietary right of any party;
•  
• constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (also known as "spamming"), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
•  
• contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or
•  
• impersonates any person or entity, including any employee or representative of this site, its licensors or advertisers.

You also agree that you shall not harvest or collect information about the users of this site or use such information for the purpose of transmitting or facilitating transmission of unsolicited bulk electronic e-mail or communications for any other commercial purpose of your own or a third party.

You further agree that you shall not solicit or collect information, or attempt to induce any physical contact with, anyone 18 years old or younger without appropriate prior verifiable express parental consent.

This site generally does not pre-screen, monitor, or edit the content posted by users of this site. However, this site and its agents have the right, at their sole discretion, to remove any content that, in this site’s sole judgment, does not comply with the Site Submission Rules or is otherwise harmful, objectionable, or inaccurate. This site is not liable for any failure, delay, damages or results, in removing such content. 

You agree that your use of this site may be suspended or terminated immediately upon receipt of any notice which alleges that you have used this site in violation of these Rules and/or for any purpose that violates any local, state, federal or law of other nations, including but not limited to the posting of information that may violate third party rights, that may defame a third party, that may be obscene or pornographic, that may harass or assault others, that may violate hacking or other criminal regulations, etc. of its agents, officers, directors, contractors or employees.  In such event, you agree that the owner of this site may disclose your identity and contact information, if requested by a government or law enforcement body or as a result of a subpoena or other legal action, and the owner of this site shall not be liable for damages or results thereof, and you agree not to bring any action or claim against the owner of this site for such disclosure. 

This site reserves the right to revise these Site Submission Rules at its discretion, so check back from time to time to be sure you are complying with the current version.

PURCHASE AGREEMENTS & HOLD HARMLESS AGREEMENT:

Uncensored REO Secrets, Uncensored REO Secrets 2.0, REO Rockstars Mastermind Society and REORockstars are products, services and subscriptions that are marketed and billed by Millionaire Agent Academy, LLC. Millionaire Agent Academy, LLC is not an accredited university or school, nor is it a school of any kind at all. Millionaire Agent Academy is an independent for-profit informational products and services marketing company. Millionaire Agent Academy, LLC is not affiliated with or endorsed by your brokerage or by any bank, financial institution, asset management company, government agency or any type of business that manages REO properties or distributes them as listing assignments. It is your responsibility to research and determine for yourself whether or not the subject matter of any product or service either owned or marketed by Millionaire Agent Academy, LLC that you invest in is a viable business for you. While in some markets, places or business environments it may be viable, in some it may not. Viability may change from time to time. It is your responsibility to make determinations of viability and feasibility. Millionaire Agent Academy, LLC and it's affiliated business partners make no such claims and offers no suggestions of such. You should consider all statements made by representatives of Millionaire Agent Academy, LLC, subsidiaries and other affiliated companies, and their employees, contractors, officers, agents and directors to be statements of opinion and you should not rely on those opinions in making your decision to spend money or to participate. Millionaire Agent Academy LLC and its affiliated business partners, licensors, advertisers and/or owners of the products marketed by Millionaire Agent Academy, LLC do not promise any sort of degree or certification or any reward whatsoever, financial or otherwise, for your participation in products or courses that you purchase or participate in or from any advice you might receive as a result of any sort of coaching or consulting membership or service that you may receive by purchasing any of these products or enrolling in any subscriptions or memberships. Results in testimonials are not typical. Individual results vary. All content is for informational purposes only. By purchasing any products, courses or subscriptions by completing any order form on any website either owned, managed by or affiliated with Millionaire Agent Academy, LLC, its affiliates, licensors, members or owners of the products or services being marketed by Millionaire Agent Academy, LLC, or by contacting Millionaire Agent Academy, LLC directly by telephone, email, US Mail or other methods, you make any such purchases and/or subscriptions or join any membership programs with this understanding and thereby disclaim any assertions, beliefs or claims to the contrary.You are solely responsible for the use of any content and hold Millionaire Agent Academy, LLC, REO Rockstars, LLC and all members and affiliates harmless in any event or claim.

Uncensored REO Secrets 2.0 Course-You are purchasing the Uncensored REO Secrets 2.0 course for $291 plus a one time shipping and handling fee of $29. At the time of purchase you are also enrolling in automatic membership in the REORockstars monthly graduate program at a cost of $67 per month, which will be automatically billed to your credit card on file after your 30 calendar day free trial membership expires. The graduate program consists of membership in the REORockstars.com website, including access and participation in the membership learning forums, access to pre-recorded graduate informational Q&A calls, access by telephone to support for any real estate related informational answers to questions and technical and billing issues, and email access to Mike Costigan for further informational communication. You may also request telephone informational conversations with Mike at no additional charge. You also are entitled to participate in weekly REORockstars group informational Q&A calls with Mike Costigan and other members after you have been a member for 30 days. You will receive email notification of the call schedules and access information after you have been a member for 30 days. If you do not receive the emails please be sure to notify us and receive the call information by calling or emailing support. Your use of REORockstars.com and participation in calls is optional, however, you are strongly encouraged to participate. Not participating in the calls or voluntarily not accessing and utilizing the resources on REOrockstars.com or not reaching out to support or to Mike Costigan for information does not constitute your "not participating in" or "not receiving REORockstars graduate program membership" for the purpose of refunds. You are accepting the membership and agreeing to the terms of the membership and we are offering you what we believe to be of great value in good faith. Many members use the resources in different ways. Some rarely use them and some use them frequently. Some don't use them at all. We would never insult your intelligence by telling you that you will make money. Most people lose money on information products like this one. All people are different. We cannot guarantee success. We assume that you are an intelligent person and that you understand this already but we like to be totally transparent about our offerings. We want you to get the most out of the course and the graduate program and we believe that there is a significant value in actually utilizing all of the resources that you are paying for as frequently as needed. Please be sure to use the site resources and get on the calls and ask questions. We truly want you to get the most that you can out of your course and REORockstars monthly graduate membership. The rest is up to you.

REO Rockstars Mastermind Society-You are enrolling in the REO Rockstars Mastermind Society on a 14-Day trial basis. After the 14 days, if you do not cancel, you are automatically enrolled in membership which will be automatically billed to you credit card on file monthly starting on the 15th day at a membership fee of $37 monthly. You may also choose at the time of your enrollment to pay annually at a reduced price. You are also entitled to FREE membership in our Facebook Mastermind Group where you will have access to informational Q&A calls and/or webinars that are randomly scheduled. There is no set schedule or amount of calls promised during any month. Some months there may be no calls or webinars. You will also have access by group message or instant message to Mike Costigan for any real estate related answers to questions. Your use of REO Rockstars Mastermind Society and participation in calls and/or webinars is optional, however, you are strongly encouraged to participate. Not participating in the Society calls and/or webinars or voluntarily not accessing and utilizing the resources in the Society or on the FREE FaceBook Mastermind Group or not reaching out to support or to Mike Costigan for information does not constitute your "not participating in" or "not receiving REO Society program membership" for the purpose of refunds. You are accepting the membership and agreeing to the terms of the membership and we are offering you what we believe to be of great value in good faith. Many members use the resources in different ways. Some rarely use them and some use them frequently. Some don't use them at all. We would never insult your intelligence by telling you that you will make money. Most people lose money on information products and membership programs like this one. All people are different. We cannot guarantee success. We assume that you are an intelligent person and that you understand this already but we like to be totally transparent about our offerings. We want you to get the most out of the Society and we believe that there is a significant value in actually utilizing all of the resources that you are paying for as frequently as needed. Please be sure to use the Society resources and ask questions. We truly want you to get the most that you can out of your Society membership. The rest is up to you.

REFUNDS POLICY FOR UNCENSORED REO SECRETS 2.0 COURSE

You may receive a full refund of your purchase price of Uncensored REO Secrets 2.0 at any time within 60 calendar days of your order date (not the date you receive the package-the date that you order the system). If you find the system to not be worth $97 x 3 pmts. as per the Honor System request that Mike made of you on the webinar , we will refund the entire purchase price  We operate on complete Honor and we ask that you do too. So, if you honestly feel that the system is not worth the $97x3 pmts. just call us at 404-424-8418. We will not accept RMA# requests via email. Once you receive your RMA# just send the materials back to the address below with the RMA# written on the label and as soon as we receive them your refund will be issued.  All materials must be received by us no later than 60 days from the original order date.  All refunds MUST include an RMA#. No refunds will be issued for any materials received later than 60 calendar days from the original order date or without an RMA#. We cannot refund the $29 shipping charge but we will refund the full product price of $291.00.

Sort of "the biggest no-brainer in the history of Earth here" huh?

REFUNDS FOR REO ROCKSTARS MONTHLY GRADUATE PROGRAM:

You receive 30 calendar days free membership in REORockstars monthly graduate program and website membership beginning the date of your order, and then you are billed $67 month until you cancel. Your credit card on file will be charged automatically every month beginning 30 calendar days from your initial purchase price (after your 30 day trial period ends). You can cancel your monthly membership anytime and receive a refund on your 2 most recent REORockstars monthly graduate program charges that occurred within 60 calendar days prior to the date that you canceled. You may not receive a refund for more than 2 monthly membership charges for REORockstars monthly graduate program and website membership. All cancellation requests must be emailed to [email protected]. We will not issue monthly graduate program refunds via telephone. Please include the date of the last charges for which you are requesting a refund in your request for cancellation of graduate membership.

REFUNDS POLICY FOR REO ROCKSTARS SOCIETY

You may receive a full refund of your membership purchase price of REO Rockstars Society at any time within 60 calendar days of your order date We operate on complete Honor and we ask that you do too. So, if you honestly feel that the program is not worth the $37 monthly pmts. just call us at 404-424-8418. We will refund any payments that you have made within the last 60 days. While we know that you probably have the common sense to already know this, we want to issue this word of caution once again: You are never guaranteed or promised any amount of income (if any at all) by your participation in this or in any course. Most participants in membership programs like this one, in any industry, never make money for different reasons, ranging from things including, but not limited to, lack of implementation or simply from the information or materials included in the membership program not working out for them. So, you should be very careful when you enroll in any membership program. You should always think about whether you can afford to invest in a membership program like this and in the effort it takes to use the information for potential benefit. You do so at your own risk. We can't make those assessments for you and we can't guarantee anything at all. If you aren't a real go-getter you might actually LOSE money. Heck, you might lose it anyway. Look, we know you are not stupid and we know that you understand this. We just like to make sure that people are fully informed when they make decisions to enroll in any membership program. This goes for really any such membership program that you see.

WARNING AND DISCLAIMER:
While we know that you probably have the common sense to already know this, we want to issue this word of caution once again: You are never guaranteed or promised any amount of income (if any at all) by your participation in this or in any course or membership program like this. Most participants in training courses or informational courses or membership programs like this one, in any industry, never make money for different reasons, ranging from things including, but not limited to, lack of implementation or simply from the course not working out for them. So, you should be very careful when you order ANY informational course, membership program or system. You should always think about whether you can afford to invest in a course or membership program like this and in the effort it takes to use the information for potential benefit. You do so at your own risk. We can't make those assessments for you and we can't guarantee anything at all. If you aren't a real go-getter you might actually LOSE money. Heck, you might lose it anyway. Look, we know you are not stupid and we know that you understand this. We just like to make sure that people are fully informed when they make decisions to buy informational products. This goes for really any such product you see. Bottom line-If you can't afford to lose money then don't invest in this course or membership program.

Millionaire Agent Academy

11175 Cicero Drive Suite 100

Alpharetta, GA 30022.

404-424-8418

By clicking "I agree" or by purchasing and/or using any Millionaire Agent Academy or REO Rockstars product or service or enrolling in any membership program or by purchasing and/or using any product or service or enrolling in any membership program offered by business affiliates with whom we have agreements to market products or services, or by providing us with your contact information, you hereby accept all terms for service, our refunds policy and our privacy policy found herein. If you have ANY questions whatsoever or if you don't FULLY understand any of the terms herein please contact us immediately at [email protected] or by phone at 404-424-8418 BEFORE making your purchase or enrolling in any membership program. Again, we expressly make no claims as to whether or not you will make any money or suffer a loss by investing in this or any product or enrolling in this membership program. This is common sense but we want you to be fully informed prior to making your decision. We are a company of high integrity and we wish for our offerings and those of our affiliated business partners to be made with transparency so that you and other purchasers and participants can make smart and responsible decisions for your own situation(s). Our greatest wish is for you to be happy with your investment.