Terms of Service

Last Updated: February 18, 2026

Effective Date: February 18, 2026

1. Acceptance of Terms

By accessing or using OwnerToInvestor.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Website.

These Terms constitute a legally binding agreement between you and Minnesota Home Venture, Inc. ("Company," "we," "our," or "us").

2. Description of Services

OwnerToInvestor.com provides:

  • Online courses on real estate investing and short-term rental management
  • One-on-one coaching services
  • Membership subscriptions with exclusive content
  • Educational resources, guides, and tools
  • Affiliate product recommendations

3. Eligibility

You must be at least 18 years old to use our services. By using the Website, you represent and warrant that you meet this age requirement.

4. Account Registration

To access certain features, you must create an account. You agree to:

  • Provide accurate and complete information
  • Maintain the security of your password
  • Notify us immediately of unauthorized access
  • Accept responsibility for all activities under your account

5. Payment Terms

Course Purchases

  • All course prices are in USD
  • Payment is processed securely through Stripe
  • You will receive immediate access upon successful payment
  • Prices are subject to change without notice

Membership Subscriptions

  • Subscriptions renew automatically unless canceled
  • You will be charged on the renewal date
  • Cancel anytime through your account settings
  • No refunds for partial subscription periods

Coaching Services

  • Payment is due in full at time of booking
  • Sessions must be scheduled within the package validity period
  • 24-hour cancellation notice required to avoid forfeiture

6. Refund Policy

30-Day Money-Back Guarantee (Courses Only)

If you're not satisfied with your course purchase, you may request a full refund within 30 days of purchase, provided you have completed less than 25% of the course content.

To request a refund, email [email protected] with your order number and reason for refund. Refunds are processed within 7-10 business days.

Non-Refundable Items

  • Coaching services (after sessions are completed)
  • Membership subscriptions (no partial refunds)
  • Downloadable resources (after download)

7. Intellectual Property Rights

All content on the Website, including courses, videos, PDFs, text, graphics, logos, and software, is the property of Minnesota Home Venture, Inc. and is protected by copyright, trademark, and other intellectual property laws.

You may NOT:

  • Reproduce, distribute, or share course materials
  • Record, screenshot, or copy course videos
  • Resell or redistribute our content
  • Remove copyright notices or watermarks

Violation of these terms may result in account termination and legal action.

8. User Conduct

You agree NOT to:

  • Use the Website for any illegal purpose
  • Harass, abuse, or harm other users
  • Attempt to hack, scrape, or reverse-engineer the Website
  • Upload viruses or malicious code
  • Impersonate another person or entity
  • Share your account credentials with others

9. Disclaimer of Warranties

IMPORTANT DISCLAIMER:

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THAT:

  • The Website will be error-free or uninterrupted
  • Course content will meet your expectations
  • You will achieve specific financial results
  • Our advice is suitable for your situation

10. Limitation of Liability

LIABILITY CAP:

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THE WEBSITE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

WE ARE NOT LIABLE FOR:

  • Lost profits or investment losses
  • Property damage or financial losses
  • Indirect, incidental, or consequential damages
  • Third-party actions or advice

11. Indemnification

You agree to indemnify, defend, and hold harmless Minnesota Home Venture, Inc., its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney fees) arising from:

  • Your use of the Website
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Your investment decisions

12. Real Estate Professional Disclosure

Minnesota Home Venture, Inc. is a licensed real estate brokerage in the State of Minnesota (License #40065301). However, the courses and coaching offered through OwnerToInvestor.com do not constitute a broker-client relationship unless explicitly established through a separate written agreement.

The information provided is for educational purposes only and does not constitute:

  • Financial advice
  • Legal advice
  • Tax advice
  • Investment recommendations specific to your situation

Please consult licensed professionals (CPA, attorney, financial advisor) before making investment decisions.

13. No Guarantees of Results

EARNINGS DISCLAIMER:

The income and revenue figures presented on this Website represent potential outcomes and are NOT guarantees of your results. Individual results vary based on:

  • Property location and market conditions
  • Your effort, skill, and investment capital
  • Economic factors beyond our control
  • Management quality and operational efficiency

Testimonials and case studies shown are real but may not reflect typical results. Your success depends on numerous variables, and we make no guarantees.

14. Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for:

  • Violation of these Terms
  • Fraudulent activity
  • Abusive behavior toward staff or other users
  • Chargebacks or payment disputes

Upon termination, you will lose access to all content and no refunds will be issued.

15. Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of Minnesota, without regard to conflict of law principles.

Arbitration Agreement

Any dispute arising from these Terms or your use of the Website shall be resolved through binding arbitration in accordance with the American Arbitration Association (AAA) rules, rather than in court.

Exceptions: Small claims court disputes (under $10,000) may be filed in Minnesota courts.

Class Action Waiver

You agree to resolve disputes individually and waive your right to participate in class action lawsuits.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Website constitutes acceptance of the modified Terms.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements you enter into with us, constitute the entire agreement between you and Minnesota Home Venture, Inc.

19. Contact Information

If you have questions about these Terms, please contact us:

Minnesota Home Venture, Inc.

Email: [email protected]

Address: 13750 Crosstown Dr NW #305, Andover, MN 55304

Phone: 763-754-1915

Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.