Earnings Disclaimer

National Excess Proceeds Exchange ("NEPEX," "we," "us," or "our") offers coaching, training, and educational programs designed to teach individuals about excess proceeds, surplus funds, and related topics. These programs are educational in nature. They are designed to provide knowledge, frameworks, and general guidance — not to promise, guarantee, or predict any specific financial outcome.

Our coaching and training programs may cover topics such as:

• Understanding excess proceeds and surplus funds
• How to identify possible excess proceeds situations
• Research and documentation methods
• Educational outreach and referral practices
• Consumer protection standards
• State and county variations in excess proceeds law and procedure

These programs provide education — not a business model, a guaranteed income stream, or a promise of financial success.

NEPEX makes no representations, warranties, promises, or guarantees regarding:

• The amount of income you may earn, if any
• The number of clients or cases you may acquire
• The value of funds that may be identified or recovered
• The speed at which you may achieve any financial result
• The success or profitability of any business or venture you undertake
• The market demand for excess proceeds services in your area
• The willingness or availability of professionals to accept referrals

Any statements regarding income, earnings, business results, or financial outcomes — whether made in marketing materials, on our website, in coaching sessions, or in any other context — are for illustrative and educational purposes only. They are not guarantees, promises, or predictions of what you will achieve.

Individual results from our coaching and training programs vary dramatically and depend on numerous factors, many of which are outside NEPEX's control. These factors include, but are not limited to:

• Your prior knowledge, skills, experience, and education
• Your effort, dedication, consistency, and work ethic
• The time you invest in learning, practicing, and applying the material
• Your local market conditions, including the volume of foreclosure, tax sale, and other forced property sales
• The laws, regulations, and procedures in your state and county
• Your ability to build professional relationships and referral networks
• Economic conditions and real estate market trends
• Competition from others offering similar services in your area
• Your business acumen, marketing skills, and professional judgment

Some participants in our programs may earn little or nothing. Others may earn significant income. Your results will depend on your individual circumstances, effort, and abilities — not on any guarantee or prediction from NEPEX.

Building any business or professional practice involves risk. If you choose to pursue opportunities related to excess proceeds or surplus funds — whether as a referral coordinator, educational consultant, or in any other capacity — you should understand and be prepared for the following risks:

• No guaranteed income. Any business venture involves the risk of earning no income, earning less than anticipated, or losing money.
• Regulatory compliance. Services involving excess proceeds, surplus funds, or related areas may be subject to state and federal laws, including laws governing the practice of law, debt collection, consumer protection, and referral fees. You are responsible for understanding and complying with all applicable laws.
• Market volatility. The volume of excess proceeds cases in any area depends on foreclosure rates, tax sales, and other factors that can change significantly over time.
• Professional liability. If you provide services to individuals seeking to recover funds, you may face legal exposure, disputes, or claims. You are responsible for obtaining appropriate insurance and legal counsel.
• Competition. The excess proceeds field includes a range of participants, from individual entrepreneurs to established companies. You may face significant competition.

NEPEX strongly encourages anyone considering a business in this field to consult with a qualified attorney and a qualified financial or business advisor before making any commitments or investments.

Our coaching and training programs provide general educational information. They do not constitute:

• Business advice. We do not advise you on whether to start, operate, or invest in any business. We do not provide business plans, financial projections, or business strategy tailored to your specific circumstances.
• Financial advice. We do not provide investment advice, financial planning, tax advice, or recommendations about how to allocate your money. Consult a qualified financial professional for personalized advice.
• Legal advice. NEPEX is not a law firm and does not provide legal advice. Our coaching programs do not teach you how to practice law, provide legal services, or represent clients in legal matters. If you intend to provide any services that involve legal matters, you must consult with a qualified attorney to ensure you are operating within the bounds of applicable law.
• Career counseling. We do not guarantee that skills learned in our programs will lead to employment, contracts, or professional opportunities.

You are solely responsible for evaluating the suitability of any business opportunity, for complying with all applicable laws, and for all decisions you make based on information received through our coaching and training programs.

From time to time, we may share testimonials, examples, case studies, or income representations from individuals who have participated in our coaching and training programs. These are provided for illustrative purposes only.

You should not assume that you will achieve the same or similar results as anyone featured in a testimonial, example, or case study. Past results are not a guarantee or predictor of future results. The individuals featured may have had advantages — including prior experience, existing professional networks, favorable market conditions, or unusual effort levels — that contributed to their results.

Unless specifically stated, testimonials and examples on our website are not paid endorsements. However, they are selected to illustrate a range of possible experiences and are not necessarily representative of what a typical participant will experience.

Our website, marketing materials, and coaching sessions may contain forward-looking statements about potential income, business opportunities, or market trends. These statements are based on our expectations, estimates, and projections as of the date they are made. They are not guarantees of future performance and involve known and unknown risks, uncertainties, and other factors that may cause actual results to differ materially.

You should not place undue reliance on forward-looking statements. We undertake no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise.

By enrolling in any NEPEX coaching or training program, you acknowledge and agree that:

• You are solely responsible for your own results, income, business decisions, and professional conduct
• NEPEX makes no guarantees regarding the outcome of your participation
• You should conduct your own independent research and due diligence before undertaking any business venture
• You should consult with qualified professionals (attorney, accountant, financial advisor) before making significant business or financial decisions
• You understand and accept the risks inherent in any business or professional undertaking
• NEPEX shall not be liable for any financial losses, business setbacks, or other adverse outcomes you may experience

Our refund policy for coaching and training programs is described in the specific terms provided at the time of enrollment. Generally, we offer a satisfaction guarantee within a limited period following purchase, subject to the conditions described in those terms. Please review the specific terms and conditions applicable to the program in which you are enrolling.

Refund requests are evaluated based on the terms in effect at the time of purchase. We reserve the right to decline refund requests that do not meet the applicable criteria.