The following terms and conditions are a legally binding agreement which govern all use of go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com websites and all content, services and products available at or through the website (taken together, the “Website”). The Website is owned and operated by Forever Wealth Club, LLC ("Forever Wealth Club"). The Website is offered subject to your acceptance without modification of the terms and conditions contained herein and all other operating rules, policies  and procedures (including, without limitation, Forever Wealth Club's Privacy Policy and Earnings Disclaimer) that may be published from time to time on this Website by Forever Wealth Club (collectively, the "Agreement").

Please review the entire Agreement carefully before accessing or using the Website. By accessing or using any part of the website, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you are not authorized to access the Website or use any of the services provided on this Website or by Forever Wealth Club. These terms and conditions are an offer by Forever Wealth Club and your acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 18 years old and that can enter into legally binding contracts.

Your go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com Account, Blog and Site. If you create a website or blog on the Website, or otherwise use go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com private membership areas where posting comments or content is allowed, you are responsible for maintaining the security of your account and blog, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with the blog. You must not describe or assign keywords to your blog in a misleading or unlawful manner, including in a manner intended to trade on the name or reputation of others, and Forever Wealth Club may change or remove any description or keyword that it considers inappropriate or unlawful, or otherwise likely to cause Forever Wealth Club liability. You must immediately notify Forever Wealth Club of any unauthorized uses of your account or blog, your account or any other breaches of security. Forever Wealth Club will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.

Responsibility of Contributors. If you operate a blog, comment on a blog, post material to the Website, post links on the Website, or otherwise make (or allow any third party to make) material available by means of the Website (any such material, "Content"), You are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. By making Content available, you represent and warrant that: 

• the downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party; 
• if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content; 
• you have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms;
• the Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;
• the Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
• the Content is not pornographic, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;
• your blog is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other blogs and web sites, and similar unsolicited promotional methods;
• your blog is not named in a manner that misleads your readers into thinking that you are another person or company. For example, your blog's URL or name is not the name of a person other than yourself or company other than your own; and
• you have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by Forever Wealth Club or otherwise.

By submitting Content to Forever Wealth Club for inclusion on your Website, you grant Forever Wealth Club a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the Content solely for the purpose of displaying, distributing and promoting your blog. If you delete Content, Forever Wealth Club will use reasonable efforts to remove it from the Website, but you acknowledge that caching or references to the Content may not be made immediately unavailable. Without limiting any of those representations or warranties, Forever Wealth Club has the right (though not the obligation) to, in Forever Wealth Club's sole discretion (i) refuse or remove any content that, in Forever Wealth Club's reasonable opinion, violates any Forever Wealth Club policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the Website to any individual or entity for any reason, in Forever Wealth Club's sole discretion. Forever Wealth Club will have no obligation to provide a refund of any amounts previously paid.

Payment and Renewal

General Terms: By selecting a product or service, you agree to pay Forever Wealth Club the one-time and/or monthly or annual subscription fees indicated (additional payment terms may be included in other communications). Subscription payments will be charged on a pre-paid basis on the day you sign up for an upgrade and will cover the use of that service for a monthly or annual subscription period as indicated. Payments are not refundable.

Automatic Renewal: Unless you notify Forever Wealth Club before the end of the applicable subscription period that you want to cancel a subscription, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes) using any credit card or other payment mechanism we have on record for you. Upgrades can be canceled at any time by submitting your request to Forever Wealth Club in writing.

Fees & Payment: By signing up for a Services account you agree to pay Forever Wealth Club the applicable setup fees and recurring fees. Your electronic signature on the account constitutes an electronic letter of agency authorizing Forever Wealth Club to charge such fees to whatever payment method(s) it has on file. Applicable fees will be invoiced starting from the day your services are established and in advance of using such services. Forever Wealth Club reserves the right to change the payment terms and fees upon thirty (30) days prior written notice to you. Services can be canceled by you at anytime by providing thirty (30) days written notice to Forever Wealth Club. If you cancel prior to the end of a subscription, your subscription will end at the end of the prepaid term.  No refund will be given for any unused portion. 

Support: If your service includes access to priority email support, "Email support" means the ability to make requests for technical support assistance by email at any time (with reasonable efforts by Forever Wealth Club to respond within three business days) concerning the use of the VIP Services. "Priority" means that support takes priority over support for users of the standard or free go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com services. All support will be provided in accordance with Forever Wealth Club standard services practices, procedures and policies.

Responsibility of Website Visitors: Forever Wealth Club has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material's content, use or effects. By operating the Website, Forever Wealth Club does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. Forever Wealth Club disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.

Content Posted on Other Websites: We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com; Forever Wealth Club does not have any control over those non-Forever Wealth Club websites and webpages, and is not responsible for their contents or their use. By linking to a non-Forever Wealth Club website or webpage, Forever Wealth Club does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Forever Wealth Club disclaims any responsibility for any harm resulting from your use of non-Forever Wealth Club websites and webpages. Forever Wealth Club shall not be responsible or liable, directly or indirectly, for any loss or damage caused by the use of or reliance on any material available on or through any such sites or any dealings or promotions posted on the same.

Copyright Infringement and DMCA Notices: As Forever Wealth Club asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com violates your copyright, you are encouraged to notify Forever Wealth Club in accordance with the Digital Millennium Copyright Act.  You should send your DMCA notice to SUPPORT@RAYHIGDON.COM.  Forever Wealth Club will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. Forever Wealth Club will terminate a visitor's access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Forever Wealth Club or others. In the case of such termination, Forever Wealth Club will have no obligation to provide a refund of any amounts previously paid to Forever Wealth Club.

Intellectual Property: This Agreement does not transfer from Forever Wealth Club to you any Forever Wealth Club or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Forever Wealth Club. Forever Wealth Club, go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com, the go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com, logo, and all other trademarks, service marks, graphics and logos used in connection with go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com, or the Website are trademarks or registered trademarks of Forever Wealth Club or Forever Wealth Club's licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. 

Your use of the Website grants you no right or license to reproduce or otherwise use any Forever Wealth Club or third-party trademarks. You may download material displayed in the site for non-commercial, personal use only, provided you maintain all copyright and other proprietary notices contained on the materials. 

You may NOT distribute, modify, transmit, reuse, report or use the content of the site for public or commercial purposes including the text and images without the corresponding written permission.

You, also, may NOT distribute, sell, transmit, or share product access, membership passwords, user login information in any way. If you have purchased a product or course from Forever Wealth Club LLC (go.topearner.com, rayhigdon.com, jessicahigdon.com, higdongroup.com, go.rayhigdon.com, shop.higdongroup.com, rayhigdoncoaching.com, rankmakershop.com) and it is found out that you are sharing your user information or somehow giving access (paid or free) to others, your account will be terminated without refund.

Forever Wealth Club makes no representation that the information in the site is appropriate or available for use in locations outside the United States, and access to the site from territories where the content of the site may be illegal or inappropriate is prohibited. Those who choose to access the site from other locations do so on their own initiate and are responsible for compliance with applicable local laws.

Advertisements: Forever Wealth Club reserves the right to display advertisements on your blog unless you have purchased an ad-free account.

Attribution. Forever Wealth Club reserves the right to display attribution links such as 'Blog at http://topearner.com,' theme author, and font attribution in your blog footer or toolbar.

Partner Products. By activating a partner product (e.g. theme) from one of our partners, you agree to that partner's terms of service. You can opt out of their terms of service at any time by de-activating the partner product.

Domain Names. If you are registering a domain name, using or transferring a previously registered domain name, you acknowledge and agree that use of the domain name is also subject to the policies of the Internet Corporation for Assigned Names and Numbers ("ICANN"), including their Registration Rights and Responsibilities.

Changes. Forever Wealth Club reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes acceptance of those changes. Forever Wealth Club may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement. 

Termination. Forever Wealth Club may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your http://topearner.com account (if you have one), you may simply discontinue using the Website. Notwithstanding the foregoing, if you have a paid services account, such account can only be terminated by Forever Wealth Club if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Forever Wealth Club's notice to you thereof; provided that, Forever Wealth Club can terminate access to the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. 

Disclaimer of Warranties. The Website is provided "as is" with all faults and no warranties. Forever Wealth Club and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement to the fullest extent permissible pursuant to applicable law. Neither Forever Wealth Club nor its suppliers and licensors, makes any warranty that the Website: i) will meet your requirements; ii) will be error free or that errors will be corrected; iii) that access thereto will be continuous or uninterrupted; iv) will be free of viruses or other harmful components; v) will have security employed that will be sufficient against interference with your enjoyment of the website or against infringement; vi) will result in any specific health related outcome; vii) will be accurate or reliable. You understand that the Website, the products and/or services offered on the Website may contain bugs, errors, problems or other limitations, therefore you download from, or otherwise obtain content or services through, the Website at your own discretion and risk. Forever Wealth Club is not liable for the availability of the underlying Internet connection associated with the website. No advise or information whether oral or written obtained by you from this Website shall create any warranty not expressly stated in the Agreement. 

No Guarantee of Earnings: While Forever Wealth Club strives to provide accurate and immediately actionable information, nothing on the Website or in our trainings has any guarantee of earnings.  Your results will be based on the effort you put into your marketing efforts. Use of this Website is subject to Forever Wealth Club’s Earnings Disclaimer. 

Limitation of Liability: In no event will Forever Wealth Club, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any direct, indirect, special, incidental, consequential or exemplary damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) loss of profit, goodwill, use, data or other intangible losses; (v) for any amounts that exceed the fees paid by you to Forever Wealth Club under this agreement during the twelve (12) month period prior to the cause of action. Forever Wealth Club shall have no liability for any failure or delay due to matters beyond their reasonable control. No action, regardless of form, arising out of the use of the Website may be brought by you more than One (1) year following the event which gave rise to the cause of action. The negation of damages set forth above is a fundamental element of the basis of the bargain between you and Forever Wealth Club. Access to the Website would not be provided without such limitation. The foregoing shall not apply to the extent prohibited by applicable law.

General Representation and Warranty: You represent and warrant that (i) your use of the Website will be in strict accordance with the Forever Wealth Club Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.

Indemnification: You agree to indemnify and hold harmless Forever Wealth Club, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys' fees, arising out of your use of the Website, products purchased there from, including but not limited to your violation of this Agreement and the violation of any rights of another individual and/or entity.

Binding Arbitration & Choice of Law: All access to or use of the Website shall be governed by the laws of the state of Florida, United States, excluding its conflict of law provisions. 

Any dispute arising under this Agreement or otherwise regarding your relationship with Forever Wealth Club shall be decided exclusively through binding arbitration conducted by the American Arbitration Association (“AAA”), and shall be decided by a single arbitrator who will apply the AAA's Commercial Arbitration rules.  The arbitrator does not have authority to make an order for costs or attorneys fees, and will only award contract damages if any.  If, however, a party files a suit in Court in violation of this written arbitration agreement, the party that is made to defend the suit in Court is entitled to an immediate stay and dismissal of such Court proceeding, and shall be entitled to an award of all reasonable attorneys fees and costs in connection with such Court proceedings.  In order to keep costs down, the arbitration will be conducted through written submissions only, and the arbitrator will not require any live hearings. By entering into this Agreement you waive all rights to class arbitration.  The arbitration shall take place in Ft. Myers, Florida, in the English language and the arbitral decision may be enforced in any court. Each party will pay their costs and attorneys' fees incurred in connection with the AAA arbitration proceeding. 

Miscellaneous: This Agreement constitutes the entire agreement between Forever Wealth Club and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Forever Wealth Club, or by the posting by Forever Wealth Club of a revised version. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Forever Wealth Club may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.