Buy & Hold Mastermind
Terms and Conditions

Last Updated: January 1, 2025

IMPORTANT — PLEASE READ BEFORE ENROLLIN:

These Terms and Conditions constitute a legally binding agreement between you and Prosperity By Design LLC. By enrolling in the 90-Day Buy and Hold Mastermind Program, you acknowledge that you have read, understood, and agree to be bound by these terms.

7-Day Right of Rescission: You may request a full refund within 7 days of enrollment. After the 7-day period, no refunds will be issued. Please review all terms carefully before completing your purchase.

1. Program Description

The 90-Day Buy and Hold Mastermind ("Program") is an intensive real estate investing education and mentorship program offered by Prosperity By Design LLC, doing business as Buy and Hold Mastermind ("Company," "we," "us," or "our").

What's Included in the Program

Your one-time enrollment payment of $5,000 includes:

  • Lifetime Access to Training Modules: 90+ hours of comprehensive real estate investing education

  • Community Support Platform: Access to our private community of investors

  • Templates and Resources: Deal analyzers, contracts, scripts, and checklists

  • Three-Circle Framework Training: Mindset, Money, and Investing mastery

  • 11-Step Buy and Hold System: Complete methodology for building rental portfolios

  • Master Resale Rights: Ability to refer others and earn 100% commission (see Section 9)

Note: Live daily calls and ongoing support require the separate Monthly Support Subscription (see Section 3).

2. Pricing and Payment

Component

Price

Type

90-Day Mastermind Enrollment

$5,000

One-time payment

Monthly Support Subscription

$97/month

Recurring (optional)

Payment Methods

We accept the following payment methods:

  • Visa

  • MasterCard

  • American Express

  • Discover

  • PayPal

  • Stripe

Payment Authorization

By completing your purchase, you authorize us to charge the payment method provided. If payment is not authorized or fails, we reserve the right to withhold access to the Program until valid payment is received.

Pricing Authority

Prosperity By Design LLC sets all prices exclusively. Unauthorized modification of pricing by resellers or affiliates will result in a warning and, if continued, account termination.

3. Monthly Support Subscription

The Monthly Support Subscription ($97/month) is a separate, optional service that provides:

  • Daily Live Zoom Calls: Monday through Friday, 9:00 AM - 10:00 AM Pacific Time

  • Daily Mastermind Mentoring Recordings: Access to all recorded coaching sessions

  • Property Portal Access: Deal flow and investment opportunity alerts

  • Direct Mentor Access: Q&A with experienced coaches

30-Day Free Trial

New Mastermind enrollees receive a complimentary 30-day free trial of the Monthly Support Subscription. After 30 days, your payment method will be charged $97/month until you cancel.

Cancellation

You may cancel your Monthly Support Subscription at any time through your account settings or by contacting us here. Cancellation stops future charges but does not provide refunds for the current billing period.

Important: Cancelling the Monthly Support Subscription does not affect your lifetime access to the core training modules and community platform included with your Mastermind enrollment.

4. Refund Policy — 7-Day Right of Rescission

7-DAY RIGHT OF RESCISSION

We offer a 7-day right of rescission for the $5,000 Mastermind enrollment fee. This exceeds the standard 3-day FTC Cooling-Off Rule and demonstrates our commitment to your satisfaction.

How the 7-Day Rescission Works

Upon enrollment, you receive full access to everything:

  • All training modules and recorded content

  • Daily Support Zoom coaching calls (Monday-Friday)

  • Community portal and Property Portal

  • Templates, resources, and deal analyzer

During your first 7 days, you can experience the full program. If you determine it's not a good fit, contact the reseller who enrolled you to request a full refund.

After the 7-Day Period

NO REFUNDS AFTER 7 DAYS

After the 7-day rescission period expires, no refunds will be issued for the $5,000 enrollment fee or the $97/month support subscription. By enrolling, you acknowledge and agree to this policy.

How to Request a Refund (Within 7 Days)

To request a refund during the 7-day period:

  1. Contact the reseller who enrolled you directly

  2. Provide your full name and enrollment date

  3. Refunds are processed within 5-7 business days

Why We Offer the 7-Day Rescission

We believe in our program and want you to experience it before fully committing. The 7-day window gives you time to:

  • Attend daily coaching calls and experience the community

  • Review the training content and resources

  • Determine if this program aligns with your goals

  • Make an informed decision about your continued participation

Before You Enroll

We also encourage you to:

  • Purchase the $497 VIP Masterclass first to experience our teaching style

  • Attend a free Monday or Thursday intro meeting

  • Ask questions by contacting us here

5. Program Access

Lifetime Access

Your one-time $5,000 payment grants you lifetime access to:

  • All training modules and video content

  • Community Support Platform membership

  • Downloadable resources and templates

  • Future updates to the core training materials

Access Credentials

Upon enrollment, you will receive login credentials to access the member portal. You agree to:

  • Keep your login credentials confidential

  • Not share your account with others

  • Not allow others to access the program through your account

  • Notify us immediately if you suspect unauthorized access

Technical Requirements

You are responsible for ensuring you have the necessary technology to access the Program, including reliable internet access and a compatible device.

6. Your Commitment

The 90-Day Mastermind is designed for committed individuals ready to take action. By enrolling, you commit to:

  • Taking 100% accountability for your results

  • Following the program methodology as taught

  • Staying connected to daily support and community

  • Completing the training modules

  • Applying what you learn to your real estate investing journey

  • Participating actively in the community

The Success Formula

Our most successful students share these traits:

  • They show up consistently to daily calls

  • They complete the training modules in order

  • They take action on what they learn

  • They ask questions and engage with mentors

  • They support and learn from fellow members

7. No Guarantees

SUCCESS IS NOT GUARANTEED

We cannot and do not guarantee that you will achieve any specific results from participating in the Program. Your success depends entirely on your own efforts, actions, market conditions, and numerous other factors beyond our control.

By enrolling, you acknowledge that:

  • Results vary from person to person

  • Past student results do not guarantee your future results

  • Real estate investing involves substantial risk

  • You may not achieve the results shown in testimonials

  • Success requires consistent effort and action on your part

Please review our complete Earnings Disclaimer for more information.

8. Intellectual Property

All content within the Program, including but not limited to videos, audio, text, graphics, templates, frameworks, methodologies, and materials, is the exclusive property of Prosperity By Design LLC and is protected by copyright and other intellectual property laws.

Prohibited Uses

You may NOT:

  • Copy, reproduce, or duplicate Program content

  • Distribute, share, or transfer content to non-members

  • Create derivative works based on our content

  • Use our content for commercial purposes (except as permitted under Master Resale Rights)

  • Remove copyright notices or proprietary markings

  • Record, screenshot, or capture live coaching calls

  • Share login credentials or allow others to access your account

DMCA Enforcement

We actively protect our intellectual property and will pursue DMCA takedown notices and legal action against unauthorized use or distribution of our content.

9. Master Resale Rights

As a Mastermind member, you receive Master Resale Rights (MRR), which allow you to refer others to the Program and earn commissions.

How Master Resale Rights Work

  • You may refer others to the 90-Day Mastermind Program

  • When your referrals enroll, you earn 100% commission on the $5,000 enrollment fee

  • Commissions are paid after successful payment and any applicable waiting period

  • You must complete certification requirements to activate MRR

MRR Requirements

  • Complete the designated MRR certification training

  • Maintain good standing in the Program

  • Follow all marketing and promotional guidelines

  • Represent the Program accurately and honestly

MRR Restrictions

  • You may NOT modify pricing without authorization

  • You may NOT make false claims or guarantees

  • You may NOT misrepresent your affiliation or results

  • Violations will result in termination of MRR privileges

Master Resale Rights are a privilege, not a guarantee of income. Your success with MRR depends on your own marketing efforts. See our Earnings Disclaimer.

10. User-Generated Content

You retain ownership of any content you create and share within the Program community. However, by sharing content, you grant Prosperity By Design LLC a non-exclusive, royalty-free license to use, display, and distribute such content within the Program.

Testimonials and Success Stories

If you share testimonials or success stories, we may request permission to use them in marketing materials. We will always seek your consent before using your name, image, or story in promotional content.

11. Community Guidelines

When participating in the community, live calls, or any Program activities, you agree to:

  • Treat all members, coaches, and staff with respect

  • Keep discussions constructive and relevant

  • Maintain confidentiality of information shared by other members

  • Not solicit or promote competing products or services

  • Not engage in spam, harassment, or abusive behavior

  • Not share misleading or false information

Violations of community guidelines may result in removal from the community or termination of Program access.

12. Termination

We reserve the right to terminate or suspend your access to the Program for:

  • Violation of these Terms and Conditions

  • Non-payment or failed payments

  • Intellectual property infringement

  • Sharing account credentials

  • Disruptive behavior in the community

  • Fraudulent activity

Termination Process

Except in cases of serious violations, we will:

  1. Issue a written warning describing the violation

  2. Provide 7 days to correct the issue

  3. Terminate access if the issue is not resolved

Effect of Termination

Upon termination:

  • Your access to the Program will be revoked

  • You must cease using all Program materials

  • No refunds will be provided

  • Master Resale Rights will be revoked

13. Chargebacks

CHARGEBACK POLICY

Filing a chargeback or payment dispute constitutes a breach of these Terms and will result in immediate termination of your Program access without further notice.

If you have concerns about your purchase, please contact us here before initiating a dispute with your payment provider.

We reserve the right to pursue collection of any amounts owed and recover costs associated with chargeback disputes.

14. Disclaimers

EDUCATIONAL PURPOSES ONLY: The Program is provided for educational and informational purposes only. Nothing in the Program constitutes financial, legal, tax, or investment advice.

"AS IS" BASIS: The Program is provided "as is" and "as available" without warranties of any kind, either express or implied.

NO PROFESSIONAL ADVICE: We are educators, not your attorney, accountant, financial advisor, or real estate agent. Consult qualified professionals before making investment decisions.

Please review our complete Earnings Disclaimer and Terms of Use.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROSPERITY BY DESIGN LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, COACHES, AND AFFILIATES, SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE PROGRAM.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE PROGRAM ($5,000).

You agree to indemnify and hold harmless Prosperity By Design LLC or Debbie Worthington from any claims arising from your use of the Program or violation of these Terms.

16. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict of law provisions.

Any disputes arising from these Terms or the Program shall be resolved through binding arbitration in Maricopa County, Arizona, in accordance with the rules of the American Arbitration Association.

You agree to waive any right to participate in class action lawsuits against Prosperity By Design LLC or Debbie Worthington.

17. Contact Information

If you have questions about these Terms and Conditions, please contact us here.

ACKNOWLEDGMENT

By enrolling in the 90-Day Buy and Hold Mastermind Program, you confirm that you have read, understood, and agree to these Terms and Conditions in their entirety.

You understand the 7-day right of rescission policy, that no refunds are available after 7 days, and that success is not guaranteed.

© Debbie Worthington, 2026 / All Rights Reserved .

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