By accessing or using toinvested.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, course enrollees, and anyone who accesses or uses our services.
If you do not agree to these Terms, you must immediately discontinue use of the Site. YPN Inc. reserves the right to update these Terms at any time, and your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
The Site is operated by: YPN Inc., a California-based company. References to "we," "us," or "our" refer to YPN Inc. and its founder David J. Moore.
ToInvested provides the following services through the Site:
IMPORTANT: All content on ToInvested — including courses, blog posts, AI tool outputs, guides, checklists, and strategy call discussions — is provided for educational and informational purposes only. Nothing on this Site constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice.
David J. Moore and YPN Inc. are not registered investment advisers, licensed attorneys, certified public accountants, or licensed financial planners. Information provided on this Site does not create a professional-client relationship of any kind.
Before making any investment, legal, or financial decision, you should:
Real estate investing involves significant risk, including the potential loss of principal. Past performance — including any examples, case studies, or student results referenced on the Site — does not guarantee future results. All investment scenarios, projections, and examples are illustrative only and may not reflect actual market conditions.
The AI-powered analysis tools on ToInvested (Property Analyzer, Flip Analyzer, Renovation Analyzer, Portfolio Analyzer, Stock Analyzer, Bitcoin Analyzer) use artificial intelligence to generate estimates, projections, and analysis based on the inputs you provide.
These tools are not substitutes for professional appraisals, inspections, market analyses, or financial modeling. AI-generated outputs are estimates only and may contain errors, omissions, or outdated assumptions. Do not make investment decisions based solely on these tools.
Specifically, you acknowledge that:
YPN Inc. is not liable for any investment decisions made based on AI tool outputs. You use these tools entirely at your own risk.
ToInvested participates in the Amazon Services LLC Associates Program and may participate in other affiliate programs. When you click on affiliate links and make qualifying purchases, we may earn a commission at no additional cost to you.
We are not responsible for the quality, safety, accuracy, or legality of products sold by third-party retailers including Amazon. Product descriptions, prices, and availability on the Site are approximate and subject to change. Always verify current pricing and product information directly on the retailer's website before purchasing.
The inclusion of any product link on the Site does not constitute an endorsement, sponsorship, or recommendation beyond our stated editorial opinion. We disclaim all liability for products purchased through affiliate links on this Site.
Premium course purchases grant you a personal, non-transferable, non-exclusive license to access course content for your own educational use. You may not share login credentials, redistribute course materials, or resell access to courses.
We offer a 30-day money-back guarantee on all premium course purchases. If you are not satisfied with a course for any reason, contact us within 30 days of purchase at [email protected] for a full refund, no questions asked.
Refunds are not available after 30 days from the purchase date. Free course content requires no purchase and is not subject to refund terms.
Purchased courses include lifetime access to current course content. We reserve the right to update, revise, or supplement course materials. In the rare event a course is permanently discontinued, enrolled students will receive at least 30 days' notice and a pro-rated refund if applicable.
Strategy calls with David J. Moore are educational consultations, not professional financial, legal, or tax advice sessions. Advice provided during strategy calls is general in nature and based on information you share during the session.
Strategy call discussions do not create an attorney-client, financial adviser-client, or any other professional-client relationship. You remain solely responsible for all investment decisions made following any strategy call.
Cancellation and rescheduling policies for paid consulting engagements will be communicated at the time of booking. Complimentary strategy calls may be cancelled or rescheduled by either party with reasonable notice.
All content on the Site — including but not limited to text, course materials, tool interfaces, graphics, logos, and design elements — is the intellectual property of YPN Inc. and is protected by applicable copyright, trademark, and other intellectual property laws.
You are granted a limited, revocable, non-exclusive license to access and use Site content for personal, non-commercial educational purposes. You may not:
Content you submit to us (such as messages or feedback) grants YPN Inc. a non-exclusive, royalty-free license to use that content in connection with operating and improving the Site.
You agree not to:
Violation of these terms may result in immediate termination of your access to the Site and, where appropriate, referral to law enforcement.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YPN INC., DAVID J. MOORE, AND THEIR AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, AI TOOLS, COURSES, OR CONSULTING SERVICES — INCLUDING BUT NOT LIMITED TO INVESTMENT LOSSES, LOST PROFITS, OR MISSED OPPORTUNITIES — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total aggregate liability to you for any claims arising from your use of the Site shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or $100 USD if you have made no purchases.
Some jurisdictions do not allow limitation of implied warranties or exclusion of certain damages; in such jurisdictions our liability is limited to the maximum extent permitted by law.
You agree to defend, indemnify, and hold harmless YPN Inc., David J. Moore, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from:
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
Any dispute arising from these Terms or your use of the Site shall first be submitted to good-faith informal negotiation. If informal resolution fails within 30 days, disputes shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, with proceedings conducted in California.
You waive the right to participate in class action litigation or class-wide arbitration related to any dispute arising from these Terms.
Notwithstanding the above, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.
We reserve the right to modify these Terms at any time. Material changes will be communicated by updating the "Last Updated" date and, where appropriate, by email or prominent Site notice. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
We recommend reviewing these Terms periodically. Archived versions are available upon request.
For questions about these Terms of Service, contact us:
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