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Terms and Conditions of Use
Terms and Conditions
Please read these Terms and Conditions carefully. The Health Coach Group, LLC reserves the right to change these Terms and Conditions on the Website from time to time, and by using the Website, you agree to the Terms and Conditions as they appear whether or not you have read them. If at any time you do not agree with these Terms and Conditions, please do not use this Website.
Website Use and Consent
Whether you use this Website as a casual visitor, guest, registered user, licensee, or as a member of our programs, you agree to certain terms which are outlined below.
If you have purchased a program or subscription or otherwise entered into an agreement with us, you will also be governed by the terms of that agreement or the terms and conditions for that program, which shall prevail in the event of a conflict. Online purchases have additional terms and conditions relating to the transaction as indicated.
We try to ensure that Website availability is uninterrupted and that transmissions will be error-free. However, we cannot guarantee that your access will not be suspended or restricted from time to time, including to allow for repairs, maintenance or the introduction of new facilities or services. We, of course, try to limit the frequency and duration of any suspension or restriction. Contain technical inaccuracies or typographical errors. This information may be changed or updated without notice.
We assume no Although every effort is made to ensure the accuracy of published information on or through this Website, the Website may inadvertently responsibility for errors or omissions on the site or in documents referenced by or linked to our Website.
This Website is intended solely for users who are thirteen (13) years of age or older. Any registration by, use of or access to the Website by anyone under age 13 is unauthorized, unlicensed and in violation of these Terms of Use. By accessing or using this Website, you represent and warrant that you are 13 years or older and that you agree to and to abide by all of our terms and conditions.
Intellectual Property Rights
The content, layout, design, data, databases, and graphics on this Website are protected by United States intellectual property laws. Content is solely owned by us unless otherwise indicated.
Our Limited License to You.
This Website and all the materials available on the Website are the property of us and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws.
The content, layout, design, data, databases, and graphics on this Website are protected by United States intellectual property laws. The content is solely owned by us unless otherwise indicated.
If you purchase any program, services, or materials through this Website, you will be considered our Licensee and the terms and conditions specifically relating to the respective program or service purchase shall apply.
If you are a visitor to this Website and you are not making a purchase of a program, service, or materials through this Website, for the avoidance of doubt, all content obtained from or on this Website is our property, and you are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you only.
When you enroll in or purchase any of our programs or services or obtain information through this Website, you expressly agree that you will not steal our content. Duplication, sharing, or uploading course files to sharing sites, or downloading or sharing information contrary to the limited license we have provided to you herein is considered stealing and theft, and we will prosecute theft to the full extent of the law.
In addition, as a Licensee, you understand and acknowledge that the information obtained on or through this Website have been developed or obtained by us through the investment of significant time, effort, and expense, and that this information is a valuable, special and unique asset of ours which needs to be protected from improper and unauthorized use.
You may not use this site or the materials available on or through this Website in a manner that constitutes an infringement of our rights, or that has not been authorized by us.
As a visitor to this Website, you may from time to time, download and/or print copies of individual pages of the Website, including blog posts, for your personal, non-commercial use, provided that you give us full attribution and credit by name, keep intact all copyright and other proprietary notices and, if used electronically, you must include the link back to the Website page from which the information was obtained. By downloading, printing, or otherwise using Website content for personal use you in no way assume any ownership rights of that material.
You may not in any way use, copy, adapt or represent any of our material in any way as if it is yours or created by you unless specifically permitted to do through the terms and conditions relating to your respective program or service purchase or unless specifically authorized by us in advance and in writing.
Unless otherwise explicitly authorized in these Terms and Conditions or the terms and conditions relating to a specific program or service you purchased through this Website, or unless you obtain advance written permission from us, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material purchased through any of our Programs, Products or Services, or obtained on or through the Website, including through an individual or group program, e-book, private Facebook or Website forum, or class for commercial use, or for use in any way that earns you money, and you must seek our permission before using any of our materials or content from this Website for your own business use or before sharing with others.
All rights not expressly granted in these terms or any express written license are reserved by us.
The trademarks and logos which are displayed on the Website are trademarks belonging to us. Any use including framing, meta tags or other text utilizing these trademarks, or other trademarks displayed, is strictly prohibited without our express written consent.
Your License to Us.
By posting or submitting any material (including, without limitation, comments, blog entries, photos and videos) to us via the Website, you are representing: (i) that you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and (ii) that you are 13 years of age or older. In addition, when you submit or post any material, you are granting us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose. The foregoing grant that includes the right to exploit any proprietary rights in such posting of submission, including, but not limited to, right under copyright, trademark, service mark or patent laws under any relevant jurisdiction. Also, in connection with the exercise of such rights, you grant us, and anyone authorized by us, the right to identify you as the author of any of your postings or submissions by name, email address, or screen name, as we deem appropriate.
You acknowledge that we have the right but not the obligation to use and display any postings or contributions of any kind and that we may elect to cease the use and display of any such materials (or any portion thereof), at any time for any reason whatsoever.
Limitations on Linking and Framing..
You may establish a hypertext link to the Website so long as the link does not state or imply any sponsorship of your site by us or by the Website. However, you may not, without our prior written permission, frame or inline link any of the content of the Website, or incorporate into another Website or other service any of our material, content or intellectual property.
Obtaining Permission to Use Our Intellectual Property
Any request for permission of our content or images, or other use of information obtained from or through our Programs, Products, Services, or Website, or any other intellectual property not specifically authorized, should be made using the “Contact Us” form on this Website, or by sending an e-mail to YOUR SUPPORT EMAIL GOES HERE
Security
We take every precaution to protect our users’ information. When users submit sensitive information via the Website, all information is protected both online and offline.
However, due to the nature of the Internet, we cannot completely ensure or warrant the security of any information transmitted to us or through our services. Submitting information is done at your own risk.
We have security measures in place to prevent the loss, misuse, and alteration of the information that is obtained from you, but we make no assurances about our ability to prevent any such loss, misuse, to you or to any third party arising out of any such loss, misuse, or alteration.
Disclaimer
As a visitor to this Website and as a Licensee, you agree that you are using your own judgment in using the information provided on and through this Website, which is done at your own risk.
THE INFORMATION, PROGRAMS, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE WEBSITE AND BY US AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS WEBSITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE WEBSITE OR MATERIALS ON THIS WEBSITE OR ON THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.
You agree at all times to defend, indemnify and hold harmless us and our affiliates, successors, transferees, assignees and licensees and respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees from and against any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant set forth herein.
We try to ensure our Website is available for use at all times, other than for a small period of scheduled downtime; however, we do not warrant that at other times our Website will be available.
To the fullest extent permitted by law, we will not be liable to you for damages or refunds should our Website become unavailable or access to the Website becomes slow or incomplete due to system backup procedures, internet traffic volume, upgrades, overload of requests to the servers, general network failures or delays, or any other cause which may from time to time make our Website inaccessible to you.
The content obtained on or through this Website is designed for non-medically trained individuals and should not be relied upon as a replacement for consultation with your doctor or other qualified healthcare providers.
The information provided through our Website is not intended to be a substitute for professional medical advice, diagnosis or treatment that can be provided by your own physician, nurse practitioner, physician assistant, therapist, counselor, mental health practitioner, licensed dietitian or nutritionist, spiritual counselor, or any other licensed or registered health care professional. You and your clients should not disregard professional medical advice or delay seeking professional advice because of information you have read on this Website or received from us. You and your clients should not stop taking any medications without speaking to your physician, nurse practitioner, physician assistant, mental health provider or other healthcare professional. If you or your clients have or suspect that you/they have a medical or mental health issue, you are advised contact your/their own health care provider promptly.
You and your clients assume all risks and no results are guaranteed. The content of this Website is provided for educational and informational purposes only to help you reach your own business goals, but you are solely and personally responsible for the results you and your clients obtain through our Website.
By using our Website in any way or for any reason, you also implicitly agree to our full
Disclaimer.
Limitation of Liability
Under no circumstances, including, but not limited to negligence, shall anyone related to The Health Coach Group, LLC or any subsidiary and parent companies or affiliates, included but not limited to our shareholders, directors, officers, staff, employees, affiliates, successors, transferees, assignees or licensees and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees, be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, the Program, including its materials or third party materials made available through the Program, even if we are advised beforehand of the possibility of such damages.
You agree at all times to defend, indemnify and hold harmless YOUR BUSINESS IDENTITY GOES HERE
our shareholders, directors, officers, employees, affiliates, successors, transferees, assignees or licensees and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees of each, if applicable, from and against accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease, condition or issue and any and all claims, causes of action, damages, liabilities, costs, and expenses, including legal fees and expenses, arising out of or related to the Program as experienced by you, anyone affiliated in any way with your business, or any of your clients, and/or your breach of any obligation, warranty, representation or covenant set forth in these Terms and Conditions.
You acknowledge and agree that no representation has been made by us or our affiliates and relied upon as to the future results that may be obtained from your access to our Website.
Third Party Links
Throughout this Website, we may provide links and pointers to Internet sites which may take you outside of our owned or controlled Website to other websites maintained by third parties. Links are provided for your convenience, and an inclusion of any link does not imply endorsement, sponsorship, or approval by us of the linked website, its operator or content.
Also, neither we nor affiliates operate or control in any respect any information, programs, products or services that third parties may provide on or through their websites or on websites linked to our Website. We have no control over the contents or functionality of those websites and accept no responsibility for any loss or damages that may arise from your use of them. We are not responsible for any website outside this Website, and such other website use will be subject to those linked websites’ relevant terms and conditions and privacy policies. It is your responsibility to review these terms and conditions and privacy policies of other websites to confirm that you understand and agree with those policies.
If applicable, any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, are those of the respective authors or distributors, and not us. Neither we nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content. Furthermore, we do not endorse, and we are not responsible for the accuracy and reliability of any opinion, advice, or statement made on any of the Websites by anyone other than our authorized representative while acting in his/her official capacity.
Your Conduct
You must not use our Website in any way that causes or is likely to cause our Website or access to it to be interrupted, damaged or impaired in any way. You understand that you are solely responsible for all electronic communications and content sent from your computer to this Website or to us.
You must use the Website for lawful purposes only. You must not use the Website for any of the following:
1. For fraudulent purposes or in connection with a criminal offense or otherwise carry out any unlawful activity
2. To send, use or re-use any material that is illegal, offensive, abusive, indecent, harmful, defamatory, obscene or menacing, abusive, threatening, defamatory, objectionable, invasive of privacy, in breach of confidence, infringing of any intellectual property rights, or is otherwise injurious to third parties, or which consists of or contains software viruses or any other harmful or similar computer code designed to adversely affect the operation of any computer software or hardware, commercial solicitation, chain letters, mass mailings or any spam
3. To cause annoyance, inconvenience or needless anxiety
4. To impersonate any third party or otherwise mislead as to the origin of your content
5. To reproduce, duplicate, copy or resell any part of our Website or the content therein in contravention with these terms of use or any other agreement with us.
Online Commerce
Certain sections of the Website may allow you to purchase many different types of programs, products or services online that are provided by third parties. We are not responsible for the quality, accuracy, timeliness, reliability or any other aspect of these programs, products or services.
If you make a purchase from a merchant on the Website or on an external site linked to by the Website or through a cellular phone app, the information obtained during your visit to that merchant’s online store or site, and the information that you give as part of the transaction, such as your credit card number and contact information, may be collected by both the merchant and us.
A merchant may have privacy and data collection practices that are different from ours. We have no responsibility or liability for these independent policies. In addition, when you purchase our Programs, Products or Services on or through the Website, you are subject to additional terms and conditions that specifically apply to your purchase or use of such Programs, Products or Services.
You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Website or cellular phone app. You agree to use the Website and to purchase our Programs, Products or Services through the Website or cellular phone app for legitimate purposes only. You also agree not to make any purchases for speculative, false or fraudulent purposes or for the purpose of anticipating demand for a particular product or service.
You release us and our affiliates from any damages that you incur and agree not to assert any claims against them or us, arising from your purchase or use of any programs, products or services made available by third parties through the Website or cellular phone app.
Your participation, correspondence or business dealings with any third party found on or through our Website or cellular phone app, regarding payment and delivery of specific goods and services, and any other terms, conditions, representations or warranties associated with such dealings, are solely between you and such third party. You agree that we shall not be responsible or liable for any loss, damage, or other matters of any sort incurred as the result of such dealings.
You agree to only purchase goods or services for yourself or for another person for whom you are legally permitted to do so. When purchasing for a third party that requires you to submit the third party’s personal information to us or a merchant, you represent that you have obtained the express consent of such third party to provide such third party’s personal information.
For more information regarding a merchant, its online store, its privacy policies, and/or any additional terms and conditions that may apply, visit that merchant’s Website and click on its information links or contact the merchant directly.
Termination
We reserve the right in our sole discretion to refuse or terminate your access to the Website or any part of the Website at any time without notice. In the event of cancellation or termination, you are no longer authorized to access the part of the Website affected by such cancellation or termination. The restrictions imposed on you with respect to material downloaded from the Website, and the disclaimers and limitations of liabilities set forth in these Terms and Conditions, shall survive.
If you have any questions, please contact us at YOUR SUPPORT EMAIL HERFooter 1.1E

Why Referral Broker Networks Are Key to Growing Your Real Estate Career
A broker referral network can supercharge your real estate career. It connects you with new opportunities and clients you might not reach alone. For brokers ready to grow, these networks are game-changers. They help you expand your reach, build connections, and earn passive income.
Referral networks let brokers share clients and earn referral income without handling complete transactions. It's a smart way to work less while earning more. This article will explain why joining a referral network is essential. Discover how it opens doors to success and keeps your career growing.
What is a Referral Broker Network?
A broker network is a platform where real estate brokers connect, share leads, and refer clients to one another. These networks benefit brokers not seeking full-time business but still want to stay active in the industry, generate income, and maintain their licenses.
When you join a referral network, you gain access to a group of licensed professionals ready to refer clients to you based on their needs or vice versa.
The Benefits of Joining
Referral Income Real Estate: How It Works
How it works: The primary benefit is earning referral income in real estate. This income is generated by referring clients to other brokers within the network who can handle specific needs or transactions. For instance, if you have a client who needs to buy or sell a property in an area you don't specialize in, you can refer them to another broker with the necessary expertise. In return, you earn a percentage of the commission when the deal closes.
Passive income opportunity: This passive income can significantly supplement a broker's earnings without requiring additional work. It's an excellent option for brokers who want to maintain a flexible career while benefiting financially from their network of connections.
Broker Referral Income: More Than Just Referrals
Diverse referral opportunities: Broker referral income is not limited to referrals for buying and selling homes. Many networks also offer opportunities to refer clients for property management, leasing, or mortgage services. This diversity allows brokers to tap into various income sources, boosting their bottom line.
A wider range of referral options: Establishing a strong presence in a referral network can increase your chances of receiving high-value leads and earning a consistent income. Over time, your reputation and network grow, and you become known as a go-to broker for referrals in your area.
Access to Real Estate Networking Opportunities
Networking with other brokers: A significant advantage of a referral broker network is access to real estate networking opportunities. These networks connect brokers from different regions, enabling you to build relationships with professionals who can help elevate your business. Networking is essential for anyone in real estate, and these networks make it easy to build valuable relationships quickly.
Building a strong professional network: By regularly engaging with other members, attending networking events, and maintaining an active presence, you'll find that the network opens doors to potential business opportunities you may have missed otherwise.
Growing Your Client Base Through Referrals
How a Referral Network Helps Expand Your Clientele
Broader client reach: One of the best ways to grow your client base is through a referral network. When you join a referral network, you automatically have access to a broader pool of clients and brokers. Rather than relying only on traditional advertising or word of mouth, you can leverage your network's connections to refer and receive clients in return.
Referrals increase clientele: When brokers refer clients to one another, they create long-term relationships built on trust and professionalism. Over time, clients referred by you are likely to return to you when they need real estate services in the future, further expanding your business.
Building Long-Term Relationships with Clients
Creating repeat business: Your real estate lead referrals can become repeat business. Your successful referral builds your reputation within the network and with clients. This creates a cycle of trust where clients return to you for future needs, and brokers continue referring clients back and forth.
Building trust: Referral brokers who focus strongly on customer service and communication often find themselves at the top of the network's referral list. This reputation attracts high-quality clients, making the business more lucrative in the long run.
Commission-Sharing and Collaborative Opportunities
Commission-Sharing Brokers: How It Works
Shared income model: One of the most appealing features is the opportunity for commission-sharing. Instead of handling the entire transaction, brokers refer clients to each other and share the commission from the deal. This system is advantageous for brokers who want to earn income without doing all the heavy lifting.
Increased earnings: For example, if a client needs help buying a property in a different city, you can refer them to a broker in that area. Upon closing the deal, the commission is shared between you and the broker who worked with the client. This collaboration enables you to generate more income while maintaining a flexible workload.
Referral Agents Real Estate: Expanding Income Streams
Passive income as a referral agent: Another benefit of being part of a referral broker network is the chance to become a referral agent. As a referral agent, you can earn income without handling property listings or closings directly. Simply referring clients to trusted brokers earns you a commission, allowing you to focus on other areas of your business or pursue different ventures.
Diversified income sources: This model is ideal for brokers who no longer want to manage active transactions but still want to stay involved in real estate and benefit from referral income.
How Broker Networks Improve Career Flexibility
Work From Anywhere, Anytime
Career flexibility: Referral networks offer brokers career flexibility. Whether working full-time or part-time, you can stay involved in real estate while exploring other career opportunities. With the ability to refer clients from anywhere, you don't have to be tied to a specific geographic location or time commitment.
Maintain license while pursuing other ventures: This is a perfect solution for brokers looking to keep their licensed broker membership active. The referral model allows you to stay engaged in the industry, keep your license current, and earn income without committing to full-time transactions.
Perfect for Part-Time or Full-Time Agents
Opportunities for all agents: Referral networks work for part-time or full-time agents. A referral business broker's model gives you the perfect balance if you're not seeking a full-time real estate career but still want to benefit from your license. Generating income while working part-time is one of the biggest draws of a referral network.
The balance between work and personal life: This flexibility allows you to pursue other career interests or personal endeavors while benefiting from the real estate industry.
Conclusion
Joining a Referral Broker Network can be one of the smartest moves in growing your real estate career. By earning broker referral income, expanding your network, and increasing your client base through referrals, you'll set yourself up for long-term success.
Whether you're a full-time broker or just maintaining an active license, a referral network's flexibility and income potential make it an invaluable resource for any real estate professional. Remember to adhere to the legal obligations and ethical standards governing real estate transactions in Illinois, ensuring compliance and trustworthiness in your business dealings.
Wheaton, Illinois 60523. © Catalyst Group, Inc., 2016. All Rights Reserved.