Mike Warren | BizBuyEmpire — Buy Profitable Businesses Using the 80/10/10 Bulletproof Framework

Business Acquisition · Private Equity · SBA Financing

How Everyday Professionals Are Buying $1M–$5M Businesses Without Risking Their Life Savings

Q: What types of businesses do you help clients acquire?

We focus on established, cash-flowing businesses in the $1M to $10M range — typically “boring but profitable” service and blue-collar industries. Examples include HVAC companies, commercial cleaning, logistics, manufacturing, medical practices, laundromats, and other service-based businesses with proven cash flow and stable operations.

Mike Warren is the founder of BizBuyEmpire, helping corporate professionals acquire cash-flowing businesses using the 80/10/10 Bulletproof Acquisition Framework — with as little as 5% down through preferred SBA lenders.

Doctors, engineers, construction workers, corporate managers — 50,000+ professionals have learned this framework. No PE background required. The business pays its own debt from day one.

35+

Years Experience

PE Firms

$1B+

Enterprise Value Creation

Bestselling Author

50K+

Professionals Trained

Kevin’s First Acquisition

$1.6MHospice Company

$2.5MAnnual Revenue

$1.4MAnnual Profit

50%Seller Financing

Watch the Free Training →

About

Who Is Mike Warren?

Mike Warren

CEO & Founder, Business Mastery University

Mike Warren is a business acquisition expert and private equity professional with over 35 years of hands-on experience in buying, growing, and selling businesses. He is the CEO and founder of Business Mastery University and BizBuyEmpire, and an owner in three private equity firms contributing to over $1 billion in enterprise value creation.

A military veteran, Mike didn’t come from wealth. He grew up as a self-described “military brat,” seeing firsthand the difference between people who owned businesses and people who worked for them. By his twenties, he was investing in real estate. By his thirties, he was acquiring businesses. Today, he has contributed to over $1 billion in enterprise value creation across his firms and has authored seven bestselling books on business acquisition, creative financing, and wealth building.

Mike co-founded Boots2Suits, a program dedicated to helping military veterans transition from service into civilian business ownership. His mission: help 100,000 professionals buy profitable businesses and become equity owners — without risking their life savings.

He has been featured in Entrepreneur, Fox, ABC, CBS, USA Today, Fortune, CNN, NBC, Success Magazine, and SiriusXM.

🏆 35+ years private equity

🏢 3 PE firm owner

📚 7x bestselling author

🎖 Military veteran

💼 $1B+ enterprise value creation

🤝 Co-founder, Boots2Suits

The Framework

The 80/10/10 Bulletproof Acquisition Framework

How It Works

A deal structure designed so the business you buy pays its own debt from day one — while you keep 100% ownership.

80%

SBA Loan

Government-backed financing covers the majority of the purchase. Low interest, long terms, proven program.

10%

Seller Note

The seller carries 10% as a note — your built-in insurance policy. If the business underperforms, the seller shares the downside.

10%

Your Down Payment

As little as 5% through our preferred SBA lender network — half what most brokers will tell you is possible.

The business pays its own debt. You own 100% of it.

Deal Quality

The Bulletproof Score

Five requirements every deal must pass before we make an offer. Developed across 35 years and three private equity firms. If one fails, we walk. That’s how you buy profitable businesses and make them bulletproof.

✓ DCR 2.5x+ — Business generates 2.5x the cash needed to service all debt obligations

✓ DSCR 2.5x+ — Debt service coverage verified independently from multiple financial angles

✓ Multiple ≤3x EBITDA — We never overpay. If they ask 5x, we walk away.

✓ Cash Flow $100K+ — Enough margin to absorb surprises and still pay you well

✓ 3 Months Working Capital — The criterion everyone else ignores. The one that kills deals.

Every deal must pass all five. If one fails, we walk away. That’s what bulletproof means.

Is This For You?

Who’s Using This Framework to Buy Profitable Businesses?

💼

Corporate Professionals

Managers, directors, VPs who’ve built careers working for others and want to own 100% of something that pays them every month.

🩺

Doctors, Dentists & Professionals

High-earning professionals who want to diversify beyond their practice into bulletproof, cash-flowing business assets.

💻

Engineers & Tech Professionals

Analytical thinkers who understand systems and want to apply that mindset to owning a real business.

🛠

Skilled Trades & Operators

Construction workers, contractors, and operators who know how businesses run and want to own one instead of just working in one.

Published Works

7x Bestselling Author on Buying Profitable Businesses

How to Buy a Business Using Its Own Cash

The foundational guide to acquiring businesses with creative financing and OPM (other people’s money).

The EXIT Formula

How to sell your business for more than it’s worth — preparing your exit from day one.

Real Estate Is For Suckers

Why buying a profitable business beats real estate investing — and how to do it using other people’s money.

Deal or No Deal

Dominate business acquisitions with seller financing strategies and negotiation frameworks.

Guerrilla Credit

Co-authored with Jay Conrad Levinson. Unconventional ways to get cash and credit for your business.

Secrets to Real Estate Paper

How to make 37% tax-free on your money without the stock market, guaranteed with real estate.

Real Results · Real Clients · Real Deals

What Happens When You Make Deals Bulletproof

Actual messages from clients who used the framework to acquire profitable businesses and keep 100% ownership.

Client text message to Mike Warren: Got my first deal - a hospice company in the SW USA, listed at $1.2M, bid $1.6M which was accepted. Revenues of $2.5M and profit of $1.4M with 50% seller financing and 5% retained equity.

Kevin D. — $1.6M Hospice Company · $1.4M annual profit · 50% seller financing

Client text message to Mike Warren: Oklahoma cannabis company agreed to $3 million purchase price at 1.64 multiple of $1.825 million net profit. 80% profit margin. 90% owner financing with seller note at 5% interest amortized over 10 years. Excited to partner without putting any money into the deal.

Alex R. — $3M Cannabis Company · $1.8M net profit · 90% owner financing · $0 out of pocket

Client text message to Mike Warren: Texas roofing company agreed to $3 million purchase price at 1.58 multiple of $1.9 million net profit. 34% profit margin. 30% owner financing with 20% seller note at 5% interest and 10% roll over equity. Seller also has a solar company to sell at cost of inventory.

Alex R. — $3M Roofing Company · $1.9M net profit · Plus bonus solar company at cost

Client text message to Mike Warren: Deal details - $3.7 million including closing costs, $3.2 million revenue, $1.1 million EBITDA, $190K raised, 10-year SBA loan. Each signer had to get $1 million life insurance policy.

Flint H. — $3.7M Acquisition · $1.1M EBITDA · SBA financed

Email from client Mehran Aminzadeh to Mike Warren: Broker and seller reached out, interested in our offer. Seller countered from $875K to $925K, OK with 50% seller carry, closing set for first week of January. At $925K looking at a 2x multiple.

Mehran A. — $925K Acquisition · $470K yearly profit · 50% seller financing · 2x multiple

Handwritten testimonial from Marketa Mack thanking Mike Warren: Quit my 9-to-5 job, ran across Buy a $1M Business With No Money Down webinar, bought the material, learned what I could and went for it. Today I recently quit my job and now own a kids and ladies boutique with no money down and seller financing.

Marketa M. — Quit her 9–5 · Owns a retail boutique · No money down · Seller financing

Facebook comment from Josh Key on bizbuyempire.com post: I'm already less than a month in. Content so far is amazing. Can't wait to be a satisfied customer after 90 days. Unsolicited comment. 55 likes.

Josh K. — “Less than a month in. Content so far is amazing.” · Unsolicited comment

Student success story - Mehran Aminzadeh email to Mike Warren confirming $925,000 business acquisition with $470K yearly profit and 50% seller financing at a 2x multiple. Broker and seller reached out, interested in offer, closing set for first week of January.

Mehran A. — $925K acquisition · $470K yearly profit · 50% seller financing · 2x multiple

* Results shown are from actual clients of Mike Warren’s programs. Individual results vary based on effort, deal quality, market conditions, financing approval, and other factors. Acquiring a business involves significant risk. These testimonials represent individual experiences and are not guarantees of future performance.

See the Framework Behind These Deals →

Frequently Asked Questions

Common Questions About Buying Profitable Businesses & Keeping 100% Ownership

What is the 80/10/10 deal structure?

The 80/10/10 deal structure is a business acquisition financing framework. 80% of the purchase price is financed through an SBA (Small Business Administration) loan. 10% is covered by a seller financing note, which acts as the buyer’s insurance policy — if the business underperforms, the seller shares the downside. The remaining 10% is the buyer’s down payment. Through BizBuyEmpire’s network of SBA-preferred lenders, buyers can sometimes get approved with as little as 5% down.

What is the Bulletproof Score?

The Bulletproof Score is a five-point evaluation framework. Every deal must pass all five before an offer is made: DCR of 2.5x or higher, DSCR of 2.5x or higher, purchase multiple of 3x EBITDA or less, minimum cash flow of $100,000 per year, and three months of working capital included. If any single criterion fails, the deal is rejected. This framework was developed across Mike Warren’s 35+ years and three private equity firms.

What happens on a Partnership Evaluation call?

A Partnership Evaluation is a 30-minute conversation with our team to determine if the Bulletproof method is the right fit for your situation. We confirm your SBA eligibility, discuss what types of businesses match your background and financial goals, and walk through how the 80/10/10 structure would work for your specific case. If it’s not a fit, we’ll tell you. There’s no pressure, no obligation, and no pitch unless the numbers work for both sides.

Who is BizBuyEmpire for?

BizBuyEmpire works with corporate professionals, business owners, doctors, dentists, engineers, software developers, construction professionals, and other motivated individuals who want to acquire an existing profitable business rather than start one from scratch. No prior acquisition experience is required. Ideal clients are earning a stable income and looking to transition to business ownership through a structured approach.

What types of businesses do you help clients acquire?

What makes BizBuyEmpire different from other programs?

BizBuyEmpire differentiates through the Bulletproof Score — a rigorous five-point framework that eliminates bad deals before they start. While other programs focus on deal sourcing alone, we emphasize buyer protections, DCR verification, working capital requirements, and structures designed so the business pays its own debt from day one. Our preferred lender network also approves buyers at 5% down, half the industry standard.

Can I roll program costs into my SBA loan?

In many cases, yes. Working with our preferred SBA lender network, it’s often possible to include program fees, quality of earnings reports, legal costs, and other acquisition-related expenses in the overall SBA loan package. This means you don’t have to pay these costs separately out of pocket. The specifics depend on your deal structure and lender, which is something we cover during the Partnership Evaluation.

Your Next Move

Stop Building Someone Else’s Business.

The Bulletproof Method — Proven Process. Protected Investment. 100% Ownership.

Watch the free 25-minute training to see exactly how the 80/10/10 framework works, review real deal math, and decide if the Bulletproof approach fits your situation.

Start Your Acquisition Journey →

Free · 25 minutes · No obligation

Ready to buy a profitable business without risking your life savings? Watch Free Training →

Privacy Policy

Effective Date: March 18, 2026 | Last Updated: March 18, 2026

Business Master University LLC ("we," "us," or "our") operates BizBuyEmpire.com, The Buyer's Brief newsletter, DealScorePro.net, and related social media accounts. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website, opt in to our masterclass or other content, subscribe to our newsletter, use our tools, or interact with us through any of our platforms.

By using any of our services, you consent to the data practices described in this policy. If you do not agree, please do not use our services or provide us with your personal information.

1. Information We Collect

Information you provide directly. When you opt in to our masterclass, subscribe to The Buyer's Brief, use DealScore Pro, fill out a contact or application form, or otherwise engage with us, we may collect your name, email address, phone number, and any other information you voluntarily provide.

Information collected automatically. When you visit our website or interact with our emails, we may automatically collect certain data, including your IP address, browser type, device information, operating system, referring URLs, pages viewed, links clicked within emails, email open data (where available), and the dates and times of your interactions. We collect this information through cookies, web beacons, tracking pixels, and similar technologies.

Information from third parties. We may receive information about you from third-party platforms and services we use, including our website platform (Go High Level), email service provider (Beehiiv), social media platforms (including Instagram and Facebook), analytics providers, and advertising partners. If you interact with us through social media (for example, by sending a direct message), we may receive information provided by that platform.

2. How We Use Your Information

We use the information we collect for the following purposes: to deliver the content you requested (such as masterclass access or newsletter delivery); to operate and improve our website, tools, and educational offerings; to personalize your experience and tailor content to your interests; to send you follow-up communications related to content you opted into; to analyze website traffic and email engagement so we can improve our content; to communicate with you about our products, services, and educational offerings; to respond to your inquiries and support requests; to run advertising campaigns and measure their effectiveness; to comply with legal obligations; and to protect against fraud, abuse, and unauthorized access.

3. Email and SMS Communications

When you opt in on our website or subscribe to The Buyer's Brief, you consent to receive email communications from us, including educational content, masterclass information, deal breakdowns, market commentary, and information about our products and services. We may also send communications through automated messaging platforms in connection with social media interactions.

If you provide your phone number and opt in to text reminders, you consent to receive SMS or text messages from us related to the content or service you requested. Standard message and data rates may apply.

We track email engagement data, including whether you opened an email and which links you clicked. We use this data to improve our content and better serve our audience. Please note that some email clients (such as Apple Mail) use privacy features that may affect the accuracy of open tracking.

You can unsubscribe from our marketing emails at any time by clicking the "Unsubscribe" link in the footer of any email. You can opt out of SMS communications by replying STOP to any text message. After opting out, you will no longer receive the relevant marketing communications, though processing may take a short time to complete.

4. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and understand how visitors interact with our content. Cookies are small data files stored on your device when you visit a website.

We use essential cookies (required for basic site functionality), analytics cookies (to understand how visitors use our site), and marketing cookies (to track the effectiveness of our advertising and retargeting campaigns, including through platforms like Facebook and Google). You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of our website.

5. Advertising and Retargeting

We may use third-party advertising platforms (such as Meta/Facebook Ads and Google Ads) to reach potential subscribers and customers. These platforms may use cookies, pixels, and similar technologies on our website to track visitor activity and serve targeted advertisements. The data collected by these platforms is subject to their respective privacy policies. You can manage your advertising preferences through the settings of each platform or through industry opt-out tools such as the Digital Advertising Alliance's opt-out page.

6. How We Share Your Information

We do not sell your personal information to third parties. We may share your information with the following categories of recipients, solely for the purposes described in this policy:

Service providers. We share data with trusted third-party service providers who help us operate our business, including Go High Level (website and CRM platform), Beehiiv (email delivery for The Buyer's Brief), ManyChat (social media messaging automation), website hosting providers, analytics services (such as Google Analytics), and advertising platforms. These providers are contractually obligated to protect your data and use it only for the purposes we specify.

Legal requirements. We may disclose your information if required by law, regulation, legal process, or governmental request, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Business transfers. In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have regarding your information.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any account credentials you use to access our services.

8. Data Retention

We retain your personal information for as long as your subscription or account is active, or as needed to provide you with our services. If you unsubscribe from our email communications, we will retain your email address on our suppression list to ensure we do not contact you again, unless you request complete deletion. We may also retain certain data as required by law or for legitimate business purposes (such as resolving disputes or enforcing our agreements).

9. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information, including the right to access the personal data we hold about you; the right to request correction of inaccurate data; the right to request deletion of your data; the right to opt out of marketing communications; and the right to object to or restrict certain processing of your data.

To exercise any of these rights, please contact us using the information listed below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

10. California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). These include the right to know what personal information we collect and how it is used; the right to request deletion of your personal information; the right to opt out of the sale or sharing of your personal information (we do not sell your data); and the right to non-discrimination for exercising your privacy rights. To submit a request, contact us using the information in Section 14.

11. International Users (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, your personal data is protected under the General Data Protection Regulation (GDPR) and related laws. Our legal basis for processing your data includes your consent (when you opt in to our content or subscribe), our legitimate interests (such as improving our services and content), and compliance with legal obligations. You have the right to withdraw consent at any time, to lodge a complaint with your local data protection authority, and to request data portability. International data transfers are conducted using appropriate safeguards as required by applicable law.

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will promptly delete that information. If you believe a child has provided us with personal data, please contact us immediately.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

14. Contact Us

If you have questions or concerns related to this Privacy Policy or your personal data, you can reach us at support [at] businessmasteruniversity [dot] com.

Terms and Conditions

Effective Date: March 18, 2026 | Last Updated: March 18, 2026

Welcome to BizBuyEmpire.com, operated by Business Master University LLC ("we," "us," or "our"). By accessing this website, viewing our masterclass content, subscribing to any of our email lists, using our tools, or engaging with any of our services, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.

1. About Our Services

BizBuyEmpire.com is an educational platform focused on business acquisition strategies. Our services include free and paid educational content (including video masterclasses), The Buyer's Brief newsletter, the DealScore Pro deal evaluation tool at dealscorepro.net, and related educational materials. These Terms apply to all of these properties and any related content, tools, or communications we provide.

2. Educational Content Disclaimer

All content published through BizBuyEmpire.com, The Buyer's Brief, and our associated platforms, including masterclass videos, deal breakdowns, market commentary, analysis, and educational materials, is provided strictly for educational and informational purposes. Nothing we publish or present constitutes financial advice, investment advice, legal advice, tax advice, or a recommendation to buy, sell, or pursue any specific business, deal, or transaction.

Deal analyses featured in our content are based on publicly available information and our proprietary evaluation methodology. They are educational examples designed to illustrate analytical frameworks. They are not recommendations to pursue any particular transaction. Every business acquisition involves unique risks, and you should always conduct your own independent due diligence and consult with qualified professionals (including attorneys, accountants, and financial advisors) before making any acquisition decision.

Past performance, case studies, and example outcomes referenced in our content are not guarantees of future results. Individual outcomes vary based on deal structure, market conditions, operator skill, financing terms, and many other factors. When we reference deals we have evaluated, deal volume, or years of experience, these are factual statements about our history and do not imply that you will achieve similar results.

3. No Professional Relationship

Viewing our masterclass, subscribing to our newsletter, using our tools, or consuming any of our content does not create a client, advisory, fiduciary, or professional relationship between you and Business Master University LLC or any affiliated entity. Our website and tools are self-serve educational resources. If you engage with us through a separate paid consulting or partnership arrangement, that relationship will be governed by a separate written agreement.

4. User Accounts and Opt-Ins

Certain features of our website may require you to provide your name, email address, phone number, or other information. By submitting this information, you agree to receive email communications from us related to the content or service you requested, as well as related educational content and product information. You may unsubscribe from marketing emails at any time by clicking the "Unsubscribe" link in any email we send.

You are responsible for providing accurate information and for maintaining the confidentiality of any account credentials. You agree not to create accounts using false or misleading information.

5. DealScore Pro Tool

DealScore Pro is an educational calculator designed to help users apply deal evaluation frameworks. The outputs generated by DealScore Pro are estimates based on the data you input and the assumptions built into the tool. They are not appraisals, valuations, or guarantees of deal performance. You should not rely solely on DealScore Pro outputs when making acquisition decisions.

6. Intellectual Property

All content on this website and our associated platforms, including but not limited to text, video, audio, analysis, scoring methodologies (including the Bulletproof framework and criteria), graphics, logos, tool designs, course materials, and branding, is the intellectual property of Business Master University LLC and is protected by applicable copyright and trademark laws.

You may not reproduce, distribute, sell, license, publicly display, or create derivative works from our content without our prior written consent. You may share links to our public pages for personal, non-commercial purposes.

7. User Conduct

When using our services, you agree not to: use our content to create competing products or services; scrape, copy, record, or systematically download our content (including video masterclasses); misrepresent your affiliation with us; share login credentials, paid content, or proprietary materials with unauthorized parties; use our tools or content for any unlawful purpose; or attempt to reverse-engineer any of our tools or methodologies.

8. Testimonials and Results

Any testimonials, case studies, or success stories displayed on this website represent individual experiences and are not guarantees of future results. Business acquisition outcomes depend on numerous factors beyond our control, including but not limited to market conditions, deal quality, operator execution, financing terms, and economic conditions. We make no representations about the typicality of any results shown.

9. Third-Party Links and Services

Our website may contain links to third-party websites, tools, and services. These links are provided for convenience and informational purposes. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party site. Your use of third-party sites is at your own risk and subject to their respective terms and policies.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Business Master University LLC and all affiliated parties shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of (or inability to use) our website, masterclass content, newsletter, tools, or any content we provide. This includes, without limitation, damages arising from business decisions made based on our content, errors or omissions in deal analyses or educational materials, technical issues with our tools, or interruptions in service.

Our total liability to you for any claim arising from your use of our services shall not exceed the amount you have paid to us, if any, in the twelve (12) months preceding the claim.

11. Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not warrant that our content will be error-free, uninterrupted, or free of harmful components, or that any educational content, deal analyses, or tool outputs will be complete or accurate in all respects. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

12. Indemnification

You agree to indemnify, defend, and hold harmless Business Master University LLC and its officers, employees, agents, and affiliates from and against any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of our services, your violation of these Terms, or your violation of any rights of a third party.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of our services shall be resolved through binding arbitration in the State of Florida, in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action.

14. Changes to These Terms

We reserve the right to update or modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our services after any changes constitutes your acceptance of the revised Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact Us

If you have questions about these Terms and Conditions, you can reach us at support [at] businessmasteruniversity [dot] com.

Refund Policy

General:

If in doubt about ANY provisions of these Policy please contact our office BEFORE making a purchase and get clarification.

A. Shipping & handling charges are not refundable.

B. Most of the products we sell through our websites come with the Unconditional Guarantee. That means, you may request a refund for any reason within 30 days of your purchase except the following:

1. Deal Finder Pro

The Deal Finder Pro Course has a refund period of 7 days.

2. Repeat Returns

Our company allows only 1 product refund per customer or company. That means, if you purchased a single product and then requested a refund for the first time - the refund will be issued. If, however, you consequently purchased other products from us, you won't be able to receive a refund for the other products, regardless of whether there's a guarantee that comes with the product (see below for "Guarantees").

The logic behind this is simple. If you return a product you purchased from us on a risk-free basis or with a guarantee, you must be dissatisfied. In that case, there's no reason to buy other products, unless you're willing to take the risk of them not being to your liking... and keeping them.

If you're not certain you want to keep them all - please DON'T purchase several products at one time. Just get the one you need most and see if it can help you.

3. Performance Guarantees

Some products come with a performance guarantee. That means:

A. The purchaser is promised specific results from the use of the product. If promised results are not obtained, the guarantee will kick in.

B. However, a purchaser is required to perform certain activities, as explained by the product to achieve promised results; there may be other stipulations of what is required before the guarantee kicks in. If these stipulations are not satisfied by the purchaser - the guarantee will become null and void.

Performance guarantees and all the applicable stipulations are clearly announced on a web page advertising the product that has such a guarantee.

4. No Guarantees

A small number of products may carry a "no guarantee" tag, i.e., and no refunds will be issued. This is clearly announced on the web page advertising the product.

5. No Refunds on Services and Consulting

All sales are final on any services, such as consulting, coaching, mentoring, credit repair services, etc. No refunds will be issued.

6. Digital Products or Online Access

Products that are delivered in digital format or are provided by accessing a website are not refundable under any circumstances once the restricted materials have been accessed. You will receive an alert when attempting to access the restricted material for the first time. You can choose to forfeit your right to refund and access the material immediately by clicking on the appropriate message prompt.

7. Copyright Violations

All materials purchased through our website are copyright protected. None of the materials can be copied whether in printed, electronic, CDs, DVDs or any other format. Nor can they be copied or transferred from one media to another. Any such copyright violation shall void any return/refund privileges.

8. Joint Venture Purchases

For products authored by one of our joint venture partners (usually those you purchased through a tele-seminar), contact the author of the product for their refund policy. Email us at

[email protected]

if you're having troubles locating contact information for the author. We'll be glad to help.

9. COACHING PROGRAM REFUNDS

Membership Agreement for monthly Coaching Programs: The monthly coaching program memberships may be canceled at any time. Should you elect to cancel for any reason during this period, you must do so in writing to:

Lighthouse Education, LLC

PO Box 748

Torrington, WY 82240

or by email to [email protected]

Any verbal cancellation or cancellation through a third party will not be accepted.

To avoid billing for the next month you MUST CANCEL your subscription before the 1st of each month in order to avoid that month's billing. Sorry NO REFUNDS on charges already incurred.

Lighthouse Education, LLC is NOT RESPONSIBLE for any charges incurred related to this subscription.