Refunds and Cancellations

Refunds may be given if an online course has been purchased but not accessed.  Once a course has been accessed no refunds will be issued.

Course fees paid for live classroom courses are not refundable.  If you cannot attend your scheduled class, please let us know as soon as possible.  We will make every effort to accomodate you in another scheduled class at no additional charge.

Privacy Policy

Summit Mortgage Training

1) General.

Summit Mortgage Training and its related companies or affiliates respect the privacy of every individual who visits our websites or responds to our promotions. Summit Mortgage Training intends to act reasonably to protect your privacy, but cannot guaranty security against "hackers" or other issues beyond our control. To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. This notice applies to all information collected or submitted on Summit Mortgage Training websites, unless otherwise posted.

2) Information Collected From You.

Personally Identifiable Information refers to information that is collected in conjunction with your name. Summit Mortgage Training does not collect any personally identifiable information from you unless you provide it voluntarily. If you do not want your personally identifiable information collected, do not submit it to us.

Summit Mortgage Training may collect other information from you that are not in conjunction with your name. Although most of this information is collected from you when you submit it voluntarily, some of it may be collected automatically by use of a "cookie." Cookies are small text files that reside on your computer and identify you as a unique user. Cookies allow us to, among other things, measure activity on our website and to personalize your experience on our website. For instance, cookies may enable us to remember your viewing preferences without requiring you to re-type a user name and password. Cookies may also allow us to track your status or progress when ordering products from us. If you choose, you can set your browser to reject cookies or you can manually delete individual or all of the cookies on your computer by following your browser's help file directions. However, if your browser is set to reject cookies or you manually delete cookies, you may have some trouble accessing and using some of the pages and features on our website.

3) How We Use the Information We Collect.

We use the information that we collect to complete a contact or request; to better understand your needs, to provide to marketing, to improve our products and services, and to contact you.

4) Sharing Information That You Provide With Others.

Generally we do not give or sell your information, including your personally identifiable information, with outside companies except in the following situations:

Blogs and Online Communities. You may choose to submit information as part of a blog or online community offered by Summit Mortgage Training. Any information you choose to post, including personally identifiable information, may be available generally to the public, or to other members of the blog or online community.

Subcontractors. We may share your information with subcontractors that provide us with services. These services may include, among other things, helping to provide services that you request, helping to create or maintain our databases, helping to research and analyze the people who request services or information from us, helping to provide marketing or solicitation materials for our products or services, and/or helping to process payment card information.

Law Enforcement. We may report to law enforcement agencies any activities that we reasonably believe to be unlawful, or that we reasonably believe may aid a law enforcement investigation into unlawful activity. In addition, we reserve the right to release your information to law enforcement agencies if we determine, in our sole judgment, that either you have violated our policies, or the release of your information may protect the rights, property or safety of you or another person.

Permitted by Law. We may share your information with others as required by, or permitted by, law. This may include sharing your information with governmental entities, or third parties in response to subpoenas, court orders, other legal process, or as we believe is necessary to exercise our legal rights, to defend against legal claims that have been brought against us, or to defend against possible legal claims that we determine in our sole discretion might be brought against us.

Transfers. In the event that Summit Mortgage Training, or substantially all of Summit Mortgage Training's assets, are acquired, your Information will be transferred to the acquiring entity. In such a situation, you will be provided with notice that a transfer of your Information is imminent, and you will be given an opportunity to opt-out of the transfer of your information.

5) Do Not Track Signals.

Some web browsers and devices permit you to broadcast a preference that you not be "tracked" online. At this time we do not modify your experience based upon whether such a signal is broadcast.

6) Behavioral Advertisers.

We may participate in behavioral-based advertising. This means that a third party may use technology, such as a cookie on your browser or a web beacon, to identify you on our website so that they can provide advertising about products and services tailored to your interest. That advertising may appear either on our website, or on other websites. If you would like to opt-out of third-party behavioral advertising that collects information on your use of this website, you can do so by visiting the Network Advertising Initiative and the Digital Advertising Alliance.

7) Children (under age 17).

All persons age 17 or under must ask for and receive their parent's or guardian's permission before sending any information about themselves to us or to anyone online or over the Internet. Parents or guardians of persons under age 17 must send us an email indicating their approval of the child's participation in any of the services/resources that require collection of personal information on our websites.

8) Parents/Guardians.

Any information collected by Summit Mortgage Training from children is used only for the sole purpose of delivering the requested service/materials. If you have a question or would like to review or delete your child's personally identifiable information, contact us via one of the methods listed at the bottom of this statement.

9) Third-party websites.

Links to third-party websites on Summit Mortgage Training’s sites are provided solely as a convenience to you. If you use these links, you will leave the Summit Mortgage Training site. We do not review all third-party sites, nor does we control or assume responsibility for the content or privacy policies of any of these sites. Thus, Summit Mortgage Training does not endorse or make any representations about them, or any information, or other products or materials found there, or any results that may be obtained from using them. If you decide to access a third-party site linked to an Summit Mortgage Training website, you do so at your own risk.

10) How can you correct your information?

If you have any questions regarding this privacy policy or would like to have your personally identifiable information modified or deleted from our records, please email us or call our toll-free number.

11) How to contact us, and how we may contact you.

Should you have other questions or concerns about this privacy policy, contact us at:

Summit Mortgage Training

204 Park Avenue

Riverton, NJ 08077

800-264-0958

If we are required to provide you with notice of a particular event or incident, we will send you that notice by email, telephone, or mail.

 


This site is owned and operated by Summit Mortgage Training (“Summit”) for your personal use and information. By accessing and browsing this site, you are accepting, and are bound by, all of the following terms and conditions.

As used herein, Summit shall include Summit Mortgage Training, its affiliates and related companies, and each of their subscribers, agents, directors, officers, employees and assigns. 
Summit has the right, but not the obligation, to update the site and/or these Terms of Use at any time without advance notice. Since you are bound by those revisions, you should review the Terms of Use every time you visit the site.

Intention of the Site  

The information contained on this site, as well as any other information provided directly or indirectly by Summit, is for your personal information and education only. None of the information is intended to invite, induce, or encourage any person to make a legal, medical, financial, or investment decision. You should consult with a licensed professional in the appropriate field before acting upon any information or recommendations that are made directly or indirectly by Summit.

Summit reserves the right to reject any membership or affiliate application for any reason or no reason at all, in its sole discretion. Summit may modify, suspend, discontinue, or restrict the use of any portion of this site, without liability. Summit may deny access to any person or user at any time for any reason.

Disclaimers and Warranty  

While Summit hopes to provide accurate and up-to-date information, we make no warranties or representations as to the accuracy of the information and assume no liability or responsibility for any error or omission in the information. No one shall be entitled to claim that there is a duty to update or correct any such information.

Summit shall provide information in the manner, format, and at such times as Summit chooses, in its sole discretion. AXS makes no representations, warranties, or guarantees as to the amount of information that will be provided, when or how often that information will be provided, if or when requests or other correspondence will be answered or by whom.

YOUR USE OF THIS SITE AND ANY OTHER INFORMATION, PRODUCTS AND SERVICES PROVIDED DIRECTLY OR INDIRECTLY BY AXS IS AT YOUR OWN RISK. SUMMIT ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR ANY RESULTING DAMAGES TO, OR VIRUSES THAT MAY AFFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY. SUMMIT DOES NOT REPRESENT OR WARRANT THAT USE OF SUCH INFORMATION WILL NOT INFRINGE ON THE RIGHTS OF THIRD PARTIES.

ALL OF THE INFORMATION, SERVICES AND PRODUCTS PROVIDED DIRECTLY OR INDIRECTLY BY AXS IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE REGARDING SUITABILITY OF THE INFORMATION, ACCURACY, RELIABILITY, COMPLETENESS, AND TIMELINESS. SUMMIT DOES NOT WARRANT THAT THIS SITE IS FREE FROM ALL BUGS, ERRORS OR OMISSIONS. YOUR USE OF THIS SITE IS AT YOUR OWN RISK.

Limitation of Liability 

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, NEITHER SUMMIT NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR (1) LOST PROFITS OR ANY OTHER INCIDENTAL OR CONSEQUENTIAL DAMAGES, REGARDLESS OF THE FORM OF THE ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EVEN IF AXS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; (2) PUNITIVE OR SPECIAL DAMAGES; OR (3) DAMAGES PROXIMATELY CAUSED BY YOUR FAILURE OR REFUSAL TO PERFORM ANY OBLIGATION UNDER THIS AGREEMENT OR AS REQUIRED BY LAW.

Intellectual Property 

All material on this website, including, but not limited to, text, graphics, logos, audio clips, video clips, links, digital downloads, and trademarks is owned, controlled by or licensed by Summit and is protected by copyright, trademark, and other intellectual property laws. As between you and Summit. Summit exclusively owns all rights, titles and interest in and to the site content. You agree not to do anything that might impair such rights, nor will you assert ownership claim in any of the above-referenced intellectual property or in the site content.

You may download one copy of the site on a single computer for your personal, noncommercial use only, provided you maintain all copyright and trademark notices. You may not copy, post, distribute, or use the site content in any other way.

The site may link to or frame third party websites. Framing allows a visitor to view content provided (and managed) by a third party without losing access to this site's navigational menu.

Summit is not responsible or liable for content, products or services on framed sites or any other third party websites and does not promote or endorse any third party websites or the content on those sites.

Indemnification  

You agree to indemnify, defend and hold harmless, at your sole expense, Summit from any claim or action brought by a third party relating to (a) your use of the site and/or (b) your breach of the Terms of Use.

Termination 

The Terms of Use is a binding agreement between you and Summit, and is effective until terminated by either party. If you are dissatisfied with the site, these Terms of Use or the Privacy Policy, you may terminate this agreement at any time. The agreement will automatically terminate if you do not comply with these Terms of Use. To terminate the agreement or if the agreement is automatically terminated, you must destroy all material related to or obtained from the site.

Arbitration 

You agree that you, the company you represent, any of its officers and directors, or any affiliated companies and their officers and directors, will never file suit for any reason, at any time, in any court, against Summit or any of its members.

If either party ever has a disagreement regarding any issue, both parties agree to try to work out such disagreements in a fair and reasonable manner. If the parties cannot work out their disagreements, your only remedy is to request binding arbitration with a single arbitrator.

The party that wants to initiate arbitration shall call a well-established arbitration organization in the country of Nevis and request arbitration with a single arbitrator to begin on a date and time that is mutually agreeable to both parties and the arbitrator, but no later than fourteen business days from the date of the request. The party that initiates the arbitration will notify the other party in writing of the arbitration within one day of making that request.

Both parties agree to the following arbitration format:

  • The arbitration shall be attended by each party either in person or via telephone with or without attorneys present.
  • Each party will privately discuss with the arbitrator the facts as they see it, and their viewpoint regarding the disagreement.
  • The arbitrator will listen to both parties and ask questions or request information to clarify or verify facts.
  • The arbitrator will then take all the facts and make a decision, which will be binding, within 24 hours.
  • The arbitrator will be required to base his decision not on the technicalities of the law, or the technicalities or wording in any specific contract, but he will base his decision on "fairness and equality", and "under the spirit of true justice and original intention", and what is "fair" for all parties concerned today.
  • The arbitrator may award compensatory damages and legal fees, as he or she deems appropriate.
  • The arbitration award shall be final and binding upon both parties and may be enforced in any court of competent jurisdiction.
Miscellaneous 


If for any reason, any provision of these Terms of Use is found unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the parties as reflected in that provision, and the remainder of these Terms of Use shall continue in full force and effect. The failure of Summit to enforce or exercise any provisions of these Terms of Use shall not constitute a waiver of that right or provision.



1. INTRODUCTION 

2. CONTRACT 

2.1.This is a legally binding agreement between you and Summit Mortgage Training, LLC (collectively known for purposes of this contract as Summit), hereafter referred to as Summit. Summit is a copyrighted brand owned, operated and managed by Summit Mortgage Training, LLC. If you do not agree with all of the terms and conditions contained herein, do not submit an application to become a Member of Summit.

2.2. As used herein, Summit shall include their associates and related companies, and each of their subscribers, agents, directors, officers, employees, contractors and assigns.

2.3. By submitting an application to become a Member of Summit, you are representing and warranting that you have reviewed, fully understand and agree to all of the following terms and conditions.

3. MEMBERSHIP REQUIREMENTS  

3.1. You represent and warrant that you have been referred to Summit by a Member and/or an Associate that is currently in good standing.

3.2. You represent and warrant that if you are an employee, agent or other representative of, or otherwise affiliated with, any media outlet or organization, including without limitation any news or entertainment publication or broadcast agency, you agree to comply with the terms stated in 3.5.

3.3. You represent and warrant that you are not falsely representing yourself as a consumer and you further represent that you will not share material, ideas, or intellectual property from Summit in any way.

3.4. Summit reserves the right to reject any Membership Application for any reason or no reason at all, in its sole discretion. Approval is at the sole discretion of the officers of Summit. Any person or agent who falsely represents their intention when joining the Summit Associate or Member organization is subject to immediate termination from the organization.

3.5. Any sponsor who knowingly endorses a Member who is intentionally defrauding and/or not pursuing the best interests of Summit is subject to suspension or termination of their Membership. If you suspect that you may in violation of these terms, please report the issue to Summit Headquarters immediately at support@summitmortgagetraining.com ;

4.  INFORMATION & CONFIDENTIALITY  

4.1. All transactions with Summit shall be in U.S. dollars and will be charged by Summit. All payments made to Summit are subject to review prior to any refund and shall be at the discretion of Summit management.

4.2. Payment of fees to Summit does not entitle Members to any ownership or equity interest in Summit.

4.3. The information contained on this site, as well as any other information provided directly or indirectly by Summit, is for your personal information and education only. None of the information is intended to invite, induce, or encourage any person to make a legal, medical, financial, or investment decision. You should consult with a licensed professional in the appropriate field before acting upon any information or recommendations that are made directly or indirectly by Summit. 

4.4. The information you receive as a result of your Membership in Summit shall be treated as Confidential Information, whether or not it is labeled as such. You agree not to copy, exploit, sell, distribute or otherwise disclose any Confidential Information to anyone except (a) to other Members of Summit that are in good standing or (b) to the extent required by judicial or governmental order provided that you have given Summit reasonable written notice prior to such disclosure to allow Summit a reasonable opportunity to protect the Confidential Information.

4.5. You acknowledge that if you breach any of the confidentiality obligations, any of the representations made herein, or the Code of Conduct, Summit will suffer irreparable harm for which monetary damages would be inadequate. You agree that, in the event of such a breach, your Membership will be cancelled immediately and Summit will be entitled to extraordinary relief in any court of competent jurisdiction, including, but not limited to, a temporary restraining order and preliminary and permanent injunctive relief to protect its rights, in addition to any and all remedies available at law. You agree to assign to Summit your right to bring any action for violation of any proprietary rights against any third parties in possession of Confidential Information received by you.

4.6. You agree to never share your Summit Membership account credentials with anyone for any reason. You agree to never allow anyone for any reason to log into your Summit account, or to impersonate you in any way, and to maintain the confidentiality of the Summit web property.

5. DISCLAIMERS & WARRANTY  

5.1. While Summit hopes to provide its Members with accurate and up-to-date information, we make no warranties or representations as to the accuracy of the information and assume no liability or responsibility for any error or omission in the information. No one shall be entitled to claim that there is a duty to update or correct any such information.

5.2. Summit shall provide information directly or indirectly to its Members in the manner, format, and at such times as Summit chooses, in its sole discretion. Summit makes no representations, warranties, or guarantees as to the amount of information that will be provided, when or how often that information will be provided, if or when requests from Members will be answered or by whom, if or when Members will receive mentoring or by whom, and if, when or where, webinars or other seminars or workshops will be offered.

5.3. Summit may modify, suspend, discontinue, or restrict the use of any portion of its website, without liability. Summit may deny access to any person or user at any time for any reason.

5.4. Summit does not represent, warrant or guarantee that, as a result of your connection with Summit or the information, products or services you receive directly or indirectly from Summit, THAT you will receive any money, bonuses, PROFITS, LOANS, CREDIT, personal or real property, business offers or anything else of monetary value, minimize your tax liability, improve your health, lose weight, or live a longer, healthier, or happier life. THIS INFORMATION IS NOT INTENDED TO REPLACE PROFESSIONAL ADVICE.

5.5. Your use of this site and any other information, products and services provided directly or indirectly by Summit is at your own risk. Summit assumes no responsibility, and shall not be liable for any resulting damages to, or viruses that may affect your computer equipment or other property. Summit does not represent or warrant that use OF such information will not infringe on the rights of third parties.

5.6. ALL OF THE INFORMATION, SERVICES AND PRODUCTS PROVIDED DIRECTLY OR INDIRECTLY BY SUMMIT IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE REGARDING SUITABILITY OF THE INFORMATION, ACCURACY, RELIABILITY, COMPLETENESS, AND TIMELINESS. SUMMIT DOES NOT WARRANT THAT THIS SITE IS FREE FROM ALL BUGS, ERRORS OR OMISSIONS. YOUR USE OF THIS SITE IS AT YOUR OWN RISK.

6. LIMITATION OF LIABILITY  

6.1. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, NEITHER SUMMIT NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING ITS WEBSITE SHALL be liable for (1) LOST PROFITS OR ANY OTHER INCIDENTAL OR Consequential DAMAGES, REGARDLESS OF THE FORM OF THE ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EVEN IF SUMMIT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; (2) punitive OR SPECIAL damages; OR (3) DAMAGES PROXIMATELY CAUSED BY YOUR FAILURE OR REFUSAL TO PERFORM ANY OBLIGATION UNDER THIS AGREEMENT OR AS REQUIRED BY LAW.

7. INDEMNIFICATION  

7.1.You agree to indemnify, defend and hold harmless, at your sole expense, Summit from any claim or action brought by a third party relating to (a) your use of the site and/or (b) your breach of the Membership Agreement and Terms of Use.

8. CANCELLATION & REMEDIES  

8.1. Summit reserves the right to cancel your Membership at any time for any reason or no reason at all, in its sole discretion.

8.2. You may cancel your Membership at any time by visiting the Account Cancellation page located in the Membership section of the Summit website. Canceling your Membership account will not affect your free Associate account.  Please see section 13 for Associate Requirements.

8.3. If your membership is cancelled for any reason, you agree that you will return the original and all copies of Confidential Information to Summit within 10 business days of the cancellation.  If you ever wish to come back to Summit, you agree to submit a new Membership application that Summit finds acceptable in its sole discretion. If your new application is accepted, you are required to pay the appropriate enrollment fee at Level 1 and you will be treated as a new Member. Upon cancellation and rejoining, you will forfeit any previous status, personally recruited Members, Membership Levels, and any associated permissions or recognition, unless otherwise decided by an authorized agent of the club in writing.

8.4. You agree that you, the company you represent, any of its officers and directors, or any affiliated companies and their officers and directors, will never file suit for any reason, at any time, in any court, against Summit or any of its Members, Associates, staff, owners, agents, directors, officers, and assigns.

8.5. Except as otherwise provided herein, if either party ever has a disagreement regarding any issue, both parties agree to try to work out such disagreements in a fair and reasonable manner. If the parties cannot work out their disagreements, your only remedy is to request a binding arbitration with a single arbitrator.

8.6. The party that wants to initiate arbitration shall call a well-established arbitration organization located in the United States and request arbitration with a single arbitrator and Summit on a date and time that is mutually agreeable to both parties and the arbitrator, but no later than fourteen business days from the date of the request. The party that initiates the arbitration will notify the other party in writing of the arbitration within one day of making that request.

8.7. Both parties agree to the following arbitration format

8.8. The arbitration shall be attended by each party either in person or via telephone with or without attorneys present.

8.9. Each party will privately discuss with the arbitrator the facts as they see it, and their viewpoint regarding the disagreement.

8.10. The arbitrator will listen to both parties and ask questions or request information to clarify or verify facts.

8.11. The arbitrator will then take all the facts and make a decision, which will be binding, within 24 hours.

8.12. The arbitrator will be required to base his decision not on the technicalities of the law, or the technicalities or wording in any specific contract, but he will base his decision on "fairness and equality", and "under the spirit of true justice and original intention,” and what is "fair" for all parties concerned today.

8.13. The arbitrator may award compensatory damages and legal fees, as he or she deems appropriate.

8.14. The arbitration award shall be final and binding upon both parties and may be enforced in any court of competent jurisdiction.

9. INTELLECTUAL PROPERTY  

9.1. All material on this website, including, but not limited to, text, graphics, logos, audio clips, video clips, links, digital downloads, and trademarks is owned, controlled by or licensed by Summit and is protected by copyright, trademark, and other intellectual property laws. As between you and Summit. Summit exclusively owns all rights, titles and interest in and to the site content.  You agree not to do anything that might impair such rights, nor will you assert ownership claim in any of the above-referenced intellectual property or in the site content.

9.2. You may download one copy of the site on a single computer for your personal, non-commercial use only, provided you maintain all copyright and trademark notices. No other use is permitted without the prior written consent of Summit.

9.3. The site may link to or frame third party websites. Framing allows a visitor to view content provided (and managed) by a third party without losing access to this site's navigational menu. AXS is not responsible or liable for content, products or services on framed sites or any other third party websites and does not promote or endorse any third party websites or the content on those sites.

10. MISCELLANEOUS  

10.1. Summit reserves the right to change this Membership Agreement and Terms of Use from time to time at its discretion and to notify Members of any such changes by posting a notice on the site, posting the new Membership Agreement and Terms of Use on the site, sending the new Membership Agreement and Terms of Use to the Members, or in any other way that Summit deems fit. Your continued membership in Summit after a new Membership Agreement and Terms of Use is in place will constitute your agreement to be bound by that new Agreement.

10.2. This Membership Agreement and Terms of Use will be governed by and construed in accordance with the laws of the United States, without regard to its choice of law provisions.

10.3. If for any reason, any provision of this Membership Agreement and Terms of Use is found unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the parties as reflected in that provision, and the remainder of the Membership Agreement and Terms of Use shall continue in full force and effect. The failure of Summit to enforce or exercise any provisions of the Membership Agreement and Terms of Use shall not constitute a waiver of that right or provision.

10.4. I give Summit express permission to call any and all telephone numbers listed on my account, to speak to me in person, or to deliver a previously recorded message, for any purpose including but not limited to informational, promotional, or the marketing of new goods or services. I give Summit expressed permission to call my telephone numbers with such calls, even if those numbers are registered on national and/or state do not call lists, while I am an Associate and/or Member in Summit. I also give Summit express permission to contact me via email, direct mail, or any other method of communication, for any reason, while I am an Associate or Member of Summit.

10.5. I give Summit express permission to use any testimonial I submit, in any format for sales and marketing promotion including, but not limited to, use on the Summit website, in written mail and email materials, audio and video productions, any form of social media, and any other method of communication.

11. MEMBER CODE OF CONDUCT 

11.1. All Summit Members & Associates agree to strictly adhere to the AXS Code of Conduct. Violation of this Code of Conduct may, at the discretion of Summit, result in the termination of your account.

11.2. I agree to abide by this Code of Conduct at all times.

11.3. I agree to adhere to all Summit guidelines, rules, policies and procedures.

11.4. I acknowledge that this Code of Conduct may change, with or without notice, and that it is my responsibility to regularly review and understand this Code of Conduct.

11.5. I acknowledge that any violation of this Code of Conduct may, at the discretion of Summit and in accordance with Summit procedures, result in the termination of my account.

11.6. I agree that my actions will be in compliance with all applicable laws and regulations.

11.7. I acknowledge that I am not able to participate in, or benefit by, any promotion that is prohibited by applicable law.

11.8. I agree to never jeopardize the reputation of Summit, any of its Members and Associates, staff, speakers, owners, presenters, and contractors, in any way, including but not limited to using any social media platform (Facebook, Twitter, Google+, etc.), email, telephone, print, or public announcement.

11.9. I agree never to attempt entry to a Summit event without registration and/or payment.

11.10. I agree to conduct myself in a professional and ethical manner at all times.

11.11. I agree to make an honest and fair representation of Summit.

11.12. I agree to make an honest and fair representation of any current or future Referral or Bonus Programs.

11.13. I agree to never make any false income claims or suggestions.

11.14. I agree to never solicit, suggest, entice, in any way, any Member and/or Associate to change to another sponsor.

11.15. I agree to abide by all promotions’ terms and conditions at all times.

11.16. I agree to maintain a positive and professional relationship with all whom I have sponsored.

11.17. I agree to never solicit Members and/or Associates, directly or indirectly, to promote other business opportunities, loans, investments, products, or services.

11.18. I agree to never use the Summit website, my account, or status within Summit for any fraudulent purpose, including but not limited to allowing non-Members and or Associates access to the Summit website or any of Summit's published information.

11.19. I agree to never promote illegal activity of any kind.

11.20. I agree to never harass any Member and/or Associate in any way, including but not limited to physical stalking, bullying, on-line stalking, using email or telephone calls. 

11.21. I agree to never misrepresent myself, or my status within the organization, including my relationship with staff, speakers, owners, presenters, contractors, or other Members or Associates.

11.22. I acknowledge that Summit, at its sole discretion, can terminate my Associate account, in accordance with AXS procedures, if AXS believes that I have violated this Code of Conduct.

12. ENFORCEMENT OF MEMBER AGREEMENT AND TERMS OF USE, AND MEMBER CODE OF CONDUCT FOR ASSOCIATES

12.1. Summit reserves the right to enforce the terms and conditions of this Member Agreement and Terms of Use, and the Member Code of Conduct for all free Associates. In order to ensure compliance with the Member Agreement and Terms of Use and Code of Conduct, Summit shall have the right to impose any of the following:

12.1.1. Warning- A written warning to an Associate, or group of Associates, identifying the violation and offering a fair amount of time to remedy the violation. Letter shall also advise that failure to comply may result in more severe sanctions.

12.1.2. Probation- a period of probation can be issued at the sole discretion of Summit. Summit shall disclose to an Associate the specific reason(s) for the probation. Should an Associate continue to violate the reason for the probation, or violate any other clause herein during the period of probation, it may result in more severe sanctions.

12.1.3. Suspension- a period of suspension can be issued at the sole discretion of Summit. Summit shall disclose to an Associate the specific reason(s) for the suspension. During a suspension, all Associate privileges are suspended, including but not limited to commissions, website access, Associate codes, promotions and eligibility for promotions.

12.1.4. Expulsion- Summit at its sole discretion can expel an Associate for any violation. Summit shall disclose to an Associate the specific reason for expulsion. Once an Associate is expelled, the Associate’s downline will shift up to the expelled Associate’s sponsor. The expelled Associate shall no longer have any right to commissions, website access, or any other Associate privileges. Expelled Associates may never sign up as a Member and/or Associate.

12.2. Appeals- Associates may appeal, in writing, any of the above sanctions. To appeal, an Associate shall do all of the following:

12.2.1. Submit a written statement addressing the specific accusation(s) against the Associate. 

12.2.2. Submit any/all evidence pertaining to the specific accusation(s).

12.2.3. Be available for a telephone or in-person interview to discuss the accusation(s).

12.2.4. Act in a professional manner at all times.

12.3. During an appeal, the sanction imposed shall stay in force until a final verdict has been rendered.

13. FREE ASSOCIATE REQUIREMENTS

13.1. An Associate Account in Summit is held to the same terms as are outlined in this Member Agreement. 

13.2. To become and Associate of Summit, an applicant must:

13.2.1. Be at least 18 years of age, or the minimum legal age in an applicant’s jurisdiction. Applicants who are less than 18 years of age, or below the legal age in the applicant’s jurisdiction, will need to provide written permission from a parent or legal guardian to join the club.

13.2.2. Be legally able to enter into legally-binding agreements or be cosigned by a legal guardian.

13.2.3 Complete the registration process, which includes reading, understanding, and agreeing to the Member Agreement and Terms of Use and Member Code of Conduct.

13.3. I understand and acknowledge that in order to be maintain my Associate status that I must log in to my Associate account at least once each calendar month. I understand and acknowledge that failure to log in to my Associate account for 60 consecutive days may lead to the cancellation of my Associate account, including any future opportunity to earn or be eligible for bonuses.

13.4. Should an Associate account be terminated at any time, and for any reason, that account may be deleted from the succession tree and all first-level Members and/or Associates (and their down lines) may be placed under the terminated account holder’s sponsor without notification from Summit.

13.5. There is no fee associated with becoming an Associate. However, you understand that as an Associate, you are not a “Member” of Summit nor are you entitled to access any portion of the site that is for “Members Only,” or any other information, money making opportunities or other perqs except as expressly stated herein. If you are already a Member of Summit, you are automatically enrolled as an Associate.

14.  REFERRAL BONUS PROGRAM

14.1. The Referral Bonus Program is a single-level, one-time program that allows you to be rewarded for referring individuals to become Members of Summit.

14.2 The Referral Bonus Program is published on the public Summit website.

14.3. Associates can earn a bonus on every personally sponsored individual that becomes a Member. In order to receive the Referral Bonus, the referred individual must become a new Member and state that you were the individual that referred him or her to Summit. In addition, the referred individual must be approved by Summit and actually become a Member of Summit.

14.4. You may also enroll Associates who do not become Members; however, you will not receive any bonuses for any individuals who become Associates, but not Members.

14.5. All earnings paid by Summit within the United States will be reported to the IRS and earners will be issued a 1099 after the close of a tax year.  All earners in non-US countries are responsible for reporting earnings based on their country’s tax regulations.














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