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Business Advantage Gold
Membership Terms & Conditions

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Business Advantage Gold

Business Advantage Gold is a membership based program that provides a suite of business products and services designed to help you succeed. Those services will include; Business Credit Builder- we provide a business credit building program that is guaranteed to build your business credit on all three major business credit bureaus. Merchant Credit Line- Members can finance electronics and travel using our in house credit provided. See Amount of Credit for details.Professional Web Design- We provide professional design services with just low monthly payments saving our members money while giving them custom, design agency, quality websites. Marketing Services- We have experts in SEO(Search Engine Optimization) and have partnered with experts in Email and Direct Response (Print) Marketing. Network of Preferred Lenders- We have partnered with a number of lenders that provide a wide variety of loan types and different qualifying criteria. Other benefits provided will include FREE business documentation/forms, Merchant Services (Credit Card Processing), our Small Business Start Up Guide and the ability for you to finance your customer for goods or services. We are always looking to add new benefits that we feel will truly provide results in making your business better, so keep checking the website or call us to inquire about your membership benefits.

Merchant Credit Line

Business Advantage Gold provides in-house credit to its members without credit checks and uses a combination of income and membership history in order to qualify its members and determine the amount of credit given. The chart below will represent typical terms for financing, however other factors may also effect the amounts of credit given. Here is an example:

Minimum Gross Monthly Revenues Maximum Available Credit
$3,000.00 $1000 Total
$4,000.00 $1400 Total or *$1000 (contract 1) / $1000 (contract 2)
$5,000.00 $2000 Total or *$1400 (contract 1) / $1400 (contract 2)

*Example: If your monthly income is $4,200 and your first order financed amount was $900 you would qualify to start a second contract as long as it was under $1000 and after 6 consecutive paid payments on the first contract.

Other requirements to qualify for financing will include completion of initial membership dues. Members without perfect membership history may still qualify but the amount of credit provided will be less than typically given and determined by the underwriting department at the time of any order or travel request. Members must be in business no less than 3 months in order to use their business revenue as a source of income. Members who are employed and select to use their personal income must have six months of consecutive, verifiable income.

Since there are no credit checks, Business Advantage Gold will finance up to 85% of the total credit line provided. A down payment for each selected service or product purchased is required and the down payment may range from 15% to 30%. NO ITEM IS SHIPPED NOR ANY SERVICE APPROVED PRIOR TO PAYMENT OF THE REQUIRED INITIAL DOWN PAYMENT BY EACH MEMBER (AND RECEIPT BY Business Advantage Gold AND CLEARANCE OF FUNDS BY MEMBER'S FINANCIAL INSTITUTION).

Members acknowledge that this credit line is not a credit card (no card given) and cannot be used anywhere else accept on them members-only website or by calling the member services department.

Members of Business Advantage Gold do not pay interest fees on any product purchased through the online shopping cart or any trip booked through our in-house travel concierge. Some purchases may result in a discount for non-financed electronics or direct hotel booking through the members-only website. Call members services for details.

USAGE

Member financing is only for the business owner listed on the membership card. You agree that you will use Business Advantage Gold only for your own behalf and for business needs. Business Advantage Gold reserves the right to ask for additional deposits if your membership or payment history reflects negative activity. Any fees or payments returned NSF or un-paid for any reason may disqualify you from any future financing. Travel services offered by Business Advantage Gold are impacted by the vagaries of the travel industries. As such, a limited number of itineraries are available for departure per day each year. Providing alternate travel dates will help us confirm your selected destination.

Members may not cancel their memberships if they have outstanding balances during any year for which payments are being made. If all outstanding payments have been paid, member may cancel their membership at any subsequent time.

Professional Web Design

Business Advantage Gold provides professional web design services for its members with just low monthly payments. Any payment plan agreed upon for accustom website will be in addition to the monthly membership fee, although you may request that the payment be processed at the same time each month. Payment plans will vary based on the type of website, amount of work required, and special features that are added such as shopping carts, databases and other website “plug-ins”. Members agree that as long as they have an active website agreement with Business Advantage Gold or its design division, membership must remain active.

Content guidelines

These types of sites will not be made by Business Advantage Gold

Domains

If you have selected and agreed to a package that includes one year free domain than you may request us to purchase a domain on your behalf at no cost to you for the first year. With that said, you agree that, although we will do our best to get it, the exact domain name that you wish to own may not be available. Our representatives will try to come up with a few alternatives that you can select from at that point. Once you have selected one we will then purchase it on your behalf. You understand that you will be responsible for all renewals of that domain in order to keep it. You agree that we can supply the domain registrar with your personal information during the purchasing process so that they can contact you for said renewals.

30 Day Satisfaction Guaranty

All clients will have a 30 day guaranty that begins on the date the contract is signed. If for any reason you are not satisfied with our work you can simply contact us to cancel. After the 30 days you will be responsible for the completion of the contract terms.

General

We may provide notices to you via either email or regular mail. The Service may also provide notices of changes to these Terms or other matters by displaying notices or links to notices to you generally on the Service. These Terms and the relationship between you and Business Advantage Gold shall be governed by the laws of the State of California without regard to its conflict of law provisions. You and Business Advantage Gold agree to submit to the personal and exclusive jurisdiction of the courts located within San Diego, California. The failure of Business Advantage Gold to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. These Terms constitute the entire agreement between you and us and govern your use of the Service, superseding any prior agreements (including, but not limited to, any prior versions of these Terms). You also may be subject to additional terms and conditions that may apply when you use affiliate or other services, third-party content or third-party software. If any provision of these terms, or incorporated documents are found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of these Terms remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in these Terms are for convenience only and have no legal or contractual effect. You acknowledge and agree that you are each waiving the right to participate as a plaintiff or class member in any purported class action or representative proceeding. Further, more than one person's claims may not be consolidated under any circumstances, in any form of any class or representative proceeding or otherwise

Limitation of Liability

We will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Business Advantage Gold has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the service; or (v) any other matter relating to the service. Our aggregate liability for all claims relating to the service shall not exceed the amounts paid by you to for the past three months of the service in question.

Business Credit Builder (a recommended service)

*Introductory Membership in the Business Fundability System is FREE for Business Advantage Gold members and delivered through a third party credit partner. Business Advantage gold does not warrant members will receive positive credit though the credit bureaus. The Guaranteed Business Credit is predicated on that the member follows the steps of the program exactly as laid out. Both video and written tutorials are available online to help you navigate the program, although it is very easy to use. A separate, free registration will be required and a secondary log in will be given to access the program through the BsuinessAdvantageGold.com website.

Marketing Services

Marketing services are provided with the intent to generate new leads, bring traffic to your website or store front and ultimately help you acquire new customers. Services may include email marketing, SEO services, and print marketing. These services are additional to the membership fee and cost will vary on many factors. In most cases we will allow members to pay low monthly payments to make marketing your business more affordable than ever. Although many of the services we offer on our website are fulfilled buy us directly, we cannot be experts in all areas. Therefore, we have partnered with top quality marketing partners for print and email marketing services in order to bring you the best options for your money.

Network of Lenders

Business Advantage Gold makes no guarantees that a member will qualify for a loan applied for with any of our network of lenders. We will however, work hard to get you qualified. Contact our lender concierge Monday through Friday 9am-2pm PST to see if we can get you the funding you need. Our lenders provide a wide variety of loan types from Business cash Advances to Equipment Leasing to Commercial Lending. Qualifications may be in the form of qualified Fico scores or your businesses monthly revenues depending on the lender and loan type. WE OR OUR PARTNERS DO NOT PROVIDE PERSONAL LOANS AND THIS SERVICE IS INTENDED ONLY FOR ESTABLISHED BUSINESSES IN OUR MEEMBERSHIP.

MEMBERSHIP TERMS

Your membership is effective for a period of twelve months following enrollment date under the annual membership plan. Each year you will be renewed as long as your monthly maintenance fees continue to be paid. Each year you will be notified by mail 30 days prior to the renewal date and any renewal notice will be mailed to the address listed in our database. We will also email a notice to the listed email address 30 days prior to any renewal. This is known as a Continuity Plan. Typical Membership enrollment is $99 to start with and a monthly maintenance fee of just $24.95 to maintain all of the benefits provided on the members only website. Monthly membership dues that are returned as unpaid for any reason may not be resubmitted, however, members requesting to finance using the merchant credit line may be asked to pay back the missed installments in order to qualify at the current terms. Also, any member that has bounced multiple membership dues may be administratively canceled without notice, which could affect any business credit reporting or website hosting that is being used. Members must make the initial activation payment for membership in order to begin utilizing the merchant credit line. Feel free to contact member services at least two business days prior to debit date to adjust any membership payment date in order to keep a positive history for your membership. In some instances members that join through special partners or with certain circumstances may join at different fees, for different reasons. At times we may also offer specials where we waive the initial activation fee. This will be for a limited time only and cannot be applied to a current membership already registered in our database.

AFFILIATES

In addition to the services provided directly by Business Advantage Gold members will have access to numerous affiliate services that are there to assist in the process of building a business. Some of these may be, but are not limited to business credit building, merchant account and loan services. These affiliates will have their own terms and condition and in some cases may charge fees for usage of their service. Members understand that Business Advantage Gold is not responsible for any fees that may be incurred by members from these affiliates. This includes bank fees for insufficient funds. Please read the terms and conditions for any affiliate listed on our website prior to agreeing to any services. Our AFFILIATES have acknowledged and agreed that their relationship with Business Advantage Gold is that of independent contractor. When utilizing our affiliate services, you the [member] agrees to hold harmless and indemnify Business Advantage Gold directors, officers, agents and employees against any loss, liability, suit damage or expenses, including reasonable legal fees, resulting from a breach of the AFFILIATE services. [members] obligations to hold harmless and indemnify Business Advantage Gold pursuant to this paragraph shall survive the expiration or termination of your membership term.

*Business Credit Consultation is Free for Business Advantage Gold Members and delivered through a third party credit partner. Business Advantage Gold does not represent or warrant members will receive positive credit through credit bureaus. Although the basic Business Credit Consultation is FREE, additional fees, less $286 discount for Business Advantage members, will apply for advanced credit coaching services.

DEFAULT ON ACCOUNT

Member will be in default if: a) they fail to pay the required "monthly payment" when due; or b) they breach any of the Terms and Conditions of the Purchase Agreement. If in default, then upon compliance with applicable law, Business Advantage Gold has the right to: a) demand payment of the entire unpaid balance on the account immediately; b) apply monies received on subsequent purchases to any delinquent account balance owed including late fees if applicable; and/or c) proceed with legal action.

DELINQUENT ACCOUNT

My account is considered delinquent if the Monthly Payment is not received by Business Advantage Gold by the due date.

Required Documents for Merchant Credit Line

*All business members financing products or travel will be required to provide the documents below in order to protect against fraud and verify you meet income requirement.

Our finance department reserves the right to require the submittal of any additional forms of identification and or residential and employment documentation not stated here that it deems necessary to satisfy the above stated requirements for loan approval. If the documentation sent by you fails to satisfy these requirements to our satisfaction we reserve the right to refuse financing to anyone at anytime.The above requirements are meant to protect our members and Business Advantage Gold against Identity theft and fraud.

The above requirements are meant to protect our members and Business Advantage Gold against Identity theft and fraud.

SECURITY INTEREST

Business Advantage Gold, to the extent legally permissible, retains a security interest in all merchandise charged on your account until the balance is paid in full.

SATISFACTION GAURANTEE

Should you not be satisfied with your new member benefits for any reason whatsoever we will refund your initial enrollment fee. See cancellation policy for complete details.

SHIPPING

All products are drop shipped directly from our vendor/s via UPS, FedEx or USPS. The shipping price listed on your order form will be an estimated price based on current shipping rates and are subject to change at any time. If there are any additional charges for shipping they will be invoiced to you along with the purchase agreement. Business Advantage Gold is not responsible for damages incurred to items shipped. Any claims must be filed with the respective shipping company immediately upon receipt of the item. Do not open any package that arrives with visible tears or excessive damage to the box that it was shipped in and refuse the package if possible. Shipping time will vary depending on what state the item is being shipped to as well as the respective vendor location.

STATE SALES TAX

Business Advantage Gold does not charge state sales tax in most states. Certain states require sales tax and those currently are: California, Georgia, Idaho, Illinois, North Carolina, South Dakota, and Texas. Any sales tax owed will be invoiced to you when we issue your purchase agreement if not otherwise already calculated in the online shopping cart.

SHIP TO PROHIBITIONS

Please be informed that your designated ship to address must reflect the address on the PURCHASE AGREEMENT. Business Advantage Gold will not process any order which specifies an address of a freight forwarder, warehouse, distribution center, airport, hotel, PO Box or any address other than that of the buyer listed on the purchase agreement.

CANCELLATION POLICY

If for any reason you are not satisfied with our services you may call our member service department to cancel within 30 days of the sign up date and receive a full refund of your initial dues. Any member that has opted into our credit building program waves their right to the 30 day money back guarantee as agreed to on the opt in form. Any member that has received a any type of loan, cash advance, or merchant line of credit through any of the affiliates on our website (through our website) waves their right to receive any sort of refund of the membership dues. Monthly recurring payments are not refundable at any time. Business Advantage Gold does not accept emails for cancellations so members must either call the toll free number listed on the website or in their welcome kit or they may mail a letter to us at 501 W. Broadway Plaza A Suite 321 San Diego, CA 92101.

Credit Cards

Members that join using Credit Cards / Debit Cards will be refunded back to the Credit Card / Debit Card within 3-5 business days from the cancellation date.

Check Drafts

In some instances we will process your member fees using check drafts rather than ACH when the checking routing and account number are provided. These drafts will appear on your bank account as a preauthorized check including our designated check number. In these instances the refund process will be 14-21 business days and issued to you via USPS in check form.

There are no cancellations permitted while currently financing a product or vacation with us. Once the purchase agreement is paid in full you may request a cancellation of the membership, but it will not be done automatically as most members choose to use our services multiple years.

STATE NOTICES

NOTICE FOR CALIFORNIA RESIDENTS: California law requires that we inform customers that should they fail to fulfill the terms of their credit obligation, a negative report reflecting on their credit record may be submitted to a credit-reporting agency. If you are married, you may apply for credit in your own name.

NOTICE FOR FLORIDA RESIDENTS: You (borrower) agree that, should we obtain a judgment against you, a portion of your disposable earnings may be attached or garnished (paid to us by your employer), as provided by Florida and Federal law.

NOTICE FOR OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

NOTICE FOR MARRIED WISCONSIN RESIDENTS: No Agreement, unilateral statement or court decree relating to marital property adversely affects a creditor's interest, unless prior to the time credit is granted the creditor is furnished a copy of the Agreement, statement or decree, or has actual knowledge of the adverse position.