Terms of Service

Real Estate Mastery Academy LLC (DBA JoinRMACoaching), 1769 Worth Park, Charlottesville, VA 22911 · support@joinrmacoaching.com

This is a binding agreement. By creating an account, subscribing to a tier, joining a call, or otherwise using the RMA platform, you agree to these Terms and to our Privacy Policy, Community Guidelines, and Disclaimers, each incorporated by reference. Section 14 limits our liability. Section 16 requires most disputes to be resolved by individual arbitration and waives class actions; you may opt out under Section 16.7. Please read those sections.

1. Who we are; definitions

• "RMA," "we," "us," "our" means Real Estate Mastery Academy LLC, a Virginia limited liability company doing business as JoinRMACoaching.
• "Platform" means the RMA member application at app.joinrmacoaching.com, the public site at joinrmacoaching.com, the RMA Huddle community, live calls and their replays, the Vault, the Academy, the Toolkit money tools, Artifact Studio, and every related feature.
• "Member," "you" means the individual who holds the account.
• "Your Content" means everything you enter, upload, or post: check-ins, wins and bottlenecks, money-tool entries, goals, Academy submissions, Huddle posts and replies, Referral Exchange listings, brand kit and logo, support messages, and documents you generate in Artifact Studio.
• "RMA Content" means everything we provide: curriculum, videos, Vault assets, scripts, templates, checklists, the AI Prompt Library, coaching materials, Huddle briefings, and the Platform software.
• Oikos United LLC builds and hosts the Platform for RMA as our service provider. It acts on our instructions and does not own or independently use your data. See the Privacy Policy.

2. Eligibility and your account

• You must be at least 18 years old and able to form a binding contract. The Platform is a professional product for licensed real estate professionals and people preparing to become one; it is not directed to children.
• One account per person. Your account is licensed to you alone. Do not share credentials, and do not let anyone else use your login. If you suspect unauthorized use, tell us at support@joinrmacoaching.com.
• You are responsible for keeping your password confidential and for activity under your account. Use a strong password (we require ten or more characters).
• We may lock an account, temporarily and pending review, if we see signs of credential sharing or unusual bulk downloading.
• You must keep your account information accurate, including the timezone the Platform uses to run your daily check-in.

3. Tiers, and what each one includes

RMA is a ladder of monthly tiers. Every rung keeps everything below it. The current tiers, prices, and what each includes are shown on the tiers page and on the Membership screen inside the Platform; those pages control if they differ from this summary.

We may add, change, rename, or retire tiers and features. If a change materially reduces what your paid tier includes, we will tell you at least 30 days before it takes effect and you may cancel before it does. Content on the Platform, including videos, Vault assets, and curriculum, changes over time as a normal part of a coaching program.

4. Subscriptions, automatic renewal, and cancellation

This section is written to satisfy the automatic-renewal laws of every U.S. state, including California's Automatic Renewal Law and Virginia Code section 59.1-207.46, and the federal Restore Online Shoppers' Confidence Act.

4.1 Monthly, automatically renewing. Each paid tier is a monthly subscription that renews automatically. When you subscribe, you authorize us to charge your payment method the monthly price shown at checkout on the same calendar day each month until you cancel. There is no minimum term and no lock-in contract.

4.2 What you see before you pay. Before you are charged for the first time, our checkout (run by Stripe) shows you the tier, the recurring monthly amount, that the subscription renews automatically each month until cancelled, and how to cancel, and asks you to affirmatively agree to these Terms and to the automatic renewal. We record that agreement. After payment you receive an emailed receipt that restates the amount, the renewal cadence, and the cancellation method. Keep it.

4.3 How to cancel. You may cancel at any time, and cancelling is at least as easy as subscribing:

• Online: open Membership inside the Platform and choose Manage billing, then Cancel subscription. This takes you to our secure billing portal, where cancellation is immediate and confirmed on screen and by email; or
• By email: write to support@joinrmacoaching.com from the email address on your account and say you want to cancel. We will confirm within two business days.

Cancellation stops all future charges. Your access continues until the end of the billing period you already paid for, then your account returns to The Daily (free). We do not charge cancellation fees.

4.4 Upgrades and downgrades. Upgrading takes effect immediately; Stripe prorates the difference for the rest of the current period, and the new full monthly price applies from your next renewal date. Downgrading takes effect at the end of the current period.

4.5 The Academy month-one promise. If your first month of The Academy is not a fit, cancel before your second monthly charge and you will not be charged again. This is the only money-back promise on the Platform and it operates by preventing the next charge, not by refunding the first.

4.6 Refunds. Except as required by law and except under Section 4.5, fees are non-refundable and are not prorated when you cancel. We may, in our sole discretion, issue a refund or credit in documented cases of medical emergency or extreme hardship; asking does not entitle you to one.

4.7 Price changes. We may change the price of a tier. For an existing subscription we will email you at least 30 days before a price increase takes effect, and the new price applies only at a renewal after that notice. If you do not agree, cancel before that renewal.

4.8 Failed payments. If a charge fails, Stripe retries it. If it still fails, your account returns to The Daily (free) and your data is retained per the Privacy Policy; resubscribe at any time to regain access. Accounts that were comped, sponsored, or set by RMA staff are not affected by a card failure.

4.9 Inner Circle. Inner Circle is by application and is billed monthly like every other tier once you are accepted; it is capped in size. Submitting an application does not create a subscription or a charge.

4.10 Sponsored seats. If someone else pays for your seat under our Sponsored Seat program, Section 10 applies. When the sponsored term ends, you are told in advance and your seat converts to your own subscription only if you choose to subscribe; nothing is charged to you without your own checkout consent.

4.11 Taxes and chargebacks. Prices are in U.S. dollars and exclude any sales tax we are required to collect, which is shown at checkout. If you dispute a charge with your card issuer instead of contacting us, we may suspend the account until the dispute is resolved.

4.12 Promotional prices. If you subscribe with a promo code or at a promotional price for a limited time, checkout shows the discount, the regular monthly price, and when the regular price begins, and your welcome email restates them. Before a promotion lasting longer than one month ends, we email you the date of the first charge at the regular price. Cancel before that date and you are never charged the regular price.

5. Coaching is education, not professional advice

RMA provides coaching, training, tools, and community for real estate professionals. It is not legal, tax, accounting, financial, investment, lending, or brokerage advice, and RMA is not your broker, your lawyer, your accountant, or a financial adviser. Nothing on the Platform, including anything said by a coach on a call, creates a professional-client relationship. You remain responsible for complying with your state's real estate license law, your brokerage's policies, the REALTOR® Code of Ethics if it applies to you, fair-housing and advertising law, and every other rule that governs your practice. Consult a qualified professional before acting on anything you learn here.

6. No earnings or production guarantee

We share production figures, member results, founder track records, and case studies. Those are real, and they are not typical, not a promise, and not a projection of your results. Your production, income, and career outcomes depend on your effort, execution, market, brokerage, licensing, and many things outside anyone's control. RMA makes no guarantee, express or implied, of income, closings, appointments, listings, transaction volume, or business growth. The calculators on our site use illustrative default inputs; results are arithmetic on the numbers you enter, not a forecast. See the Disclaimers page.

7. The money tools, benchmarks, and your data

• Your numbers are yours. Paylog, Lead Tracker, P&L, Personal Budget and Wealth Portal, and the Success Tracker store what you enter. They compute estimates from your inputs (for example, a 30% tax reserve estimate and a net take-home figure). Those figures are cash-flow arithmetic, not tax computations, and are not tax or financial advice. Verify anything before you rely on it or file it.
• Third-party information you enter. The tools let you record your clients' names and your leads' names, phone numbers, and email addresses. You confirm you have the right to store that information here and you are responsible for it under the laws that apply to you. We hold it only to provide the Platform to you; see the Privacy Policy.
• Coaches see your numbers by design. Your assigned coach and RMA staff can view your money-tool data to coach you. That is the product. Other members never see your money data.
• Benchmarks. "How You Compare" cards show aggregated, anonymized peer figures computed only when at least ten members contribute to a bucket, so no individual can be identified. You may not attempt to re-identify anyone from a benchmark.
• Leaderboards rank activity (streaks, check-ins, leads, closings count), never money. You can hide yourself from leaderboards in Settings.
• Export. You can export your money-tool data as CSV at any time from Settings on every tier that includes the tools.

8. AI features

Some Platform features use a third-party AI model (Anthropic's Claude API) on an API key RMA holds. Today those features are coach- and staff-facing: a private coaching brief about a member (the Member Story), a draft nudge, a roster question, a draft Weekly Win briefing, and a draft help article from a resolved support thread. Artifact Studio is member-facing and drafts your version of an RMA template with your brand kit woven in. The Privacy Policy states exactly what each feature sends.

• AI runs only when a coach, staff member, or you invokes it. There is no background AI processing of your account.
• AI output can be wrong. Coaches review every draft before acting on it. You must review every Artifact Studio document before you use it; you are responsible for its accuracy and for its compliance with fair-housing, advertising, and licensing rules in your market.
• Per Anthropic's commercial API terms as of this version, Anthropic does not use API inputs or outputs to train its models. That describes Anthropic's stated practice, not a warranty by RMA. RMA does not use Your Content to train AI models.
• We will update the Privacy Policy before changing what any AI feature sends.

9. The Huddle, the Referral Exchange, and the Member Directory

9.1 Community Guidelines. The Huddle is a moderated community. The Community Guidelines (including the House Rules you acknowledge before your first post) are part of these Terms. Coaches may remove content, restrict posting, or remove a member from the Huddle for violations, with or without notice.

9.2 Competition rule. Members are independent competitors in the real estate market. You may not use the Platform to discuss, propose, or agree with other members on commission rates, fees, splits, pricing, whether to deal with any brokerage, agent, lender, or vendor, or any other term of competition. Discussing how you present and justify your own value to your own clients is coaching; agreeing with other agents on what to charge is not. Posts that cross that line are removed and may end your membership. See the Community Guidelines and Disclaimers.

9.3 Referral Exchange. The Referral Exchange lets members post and claim client referrals between themselves. RMA is not a party to any referral, takes no fee, and makes no representation about any member, their license status, or their performance. Any referral fee or agreement is solely between the members and their brokers, and you are responsible for complying with your state's license law, your brokerage's rules, and RESPA. Verify a licensee before you refer a client.

9.4 Member Directory (opt-in). By default, other members see only your name. If you opt in to the Referral Exchange listing in Settings, other members can see your headshot, brokerage, state, service area, bio, and the business email and phone you choose to list. You can edit or opt out at any time and your listing disappears immediately. You may not download, scrape, or bulk-collect other members' listings, and you may not use another member's contact details for anything but a referral conversation they invited.

9.5 What you may post. Post only what you have the right to post. Do not post another person's private information, confidential deal information, or content that is defamatory, harassing, discriminatory, or unlawful. Do not advertise, recruit, or sell to members. What is shared in the Huddle and on calls stays there: you may not screenshot, record, or republish other members' posts, numbers, or stories outside the Platform.

10. Live calls, recordings, and sponsored seats

10.1 Calls. Group calls and 1:1 sessions run inside the Platform on Daily.co rooms. Calls are for the tier or cohort they are scheduled for; do not share join links.

10.2 Recording. Calls are recorded, and each replay is available to exactly the people who were entitled to attend that call. You are told before you join. By joining a call you consent to being recorded, including your voice, video, screen share, and chat, and to that recording being made available to those participants and to RMA staff. If you do not consent, do not join; you can watch the replay instead where your tier includes it. You may not record calls yourself or redistribute replays.

10.3 Sponsored seats. A third party (a brokerage, team, association, individual, or a mortgage lender in our Lender Partner Program) may pay for your seat for a fixed term. Before a sponsored seat activates you are told who the sponsor is and exactly what the sponsor can see, and you may decline. Every sponsor is told your name and your engagement in general terms (whether you are checking in and completing modules). A lender sponsor also sees pod-level totals across all the members it sponsors, never your individual figures: how many sponsored members are active, the check-in rate, the number of active listings, the number of agreements signed this month, and pipeline volume, which is the sum of the expected prices seated members type into their Lead Trackers, and only while the pod has at least five active members. No sponsor ever sees your individual money-tool data, your check-in text, your Huddle activity, your Academy submissions, your clients or leads, your own pipeline figure, or which lender you or your clients use. A sponsored seat creates no obligation from you to the sponsor and is not conditioned on you referring business to anyone; you may use any lender for any transaction. If your sponsor is a lender, its name and loan originator contact appear in a header in your app, and a standardized financing box with the loan originator's licensing details is added to marketing documents you export from Artifact Studio while the seat is active. See the Sponsored Seat Terms and the Lender Partner Program Terms.

11. Intellectual property

11.1 RMA Content. RMA Content is owned by RMA or its licensors and protected by copyright, trademark, and other law. While your membership is active we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to access and use RMA Content, and to use Vault assets and Artifact Studio outputs, solely in your own real estate practice. Vault assets you downloaded while entitled to them may continue to be used in your own practice after your membership ends. You may not resell, white-label, share, publish, teach from, or distribute RMA Content, or use it to build a competing program. "RMA," "Real Estate Mastery Academy," "The Huddle," "The 15-Minute Fix," and our logos are our trademarks.

11.2 Your Content. You own Your Content. You grant RMA a non-exclusive, worldwide, royalty-free license to host, store, display, process, and back up Your Content, and to show Huddle posts and your opt-in directory listing to other members, solely to operate the Platform and coach you. For posts in the Huddle, that license lasts as long as the post remains on the Platform. We may use anonymized, aggregated data that cannot identify you (for example, benchmark buckets) to run and improve the Platform.

11.3 Artifact Studio documents. A document you generate is yours to use in your practice. The underlying template, structure, and RMA voice remain RMA Content; you may not extract them into a product of your own.

11.4 Testimonials. If you share a win, story, or result and we want to use it in marketing, we will ask you first and use it only with your permission.

11.5 Copyright complaints. If you believe content on the Platform infringes your copyright, email support@joinrmacoaching.com with the work, the location, your contact details, a statement of good-faith belief, and a statement under penalty of perjury that you are authorized to act. We will remove infringing content and may terminate repeat infringers.

12. Acceptable use

You will not: share or sell access; use bots, scrapers, or automated tools against the Platform; probe or bypass security, credits, gates, or locks; upload malware; impersonate anyone; harass, threaten, or discriminate; post unlawful content; use the Platform to violate fair-housing, telemarketing, licensing, or antitrust law; or interfere with anyone else's use. We may suspend or terminate accounts that do.

13. Notifications and email

The Platform sends operational messages you need as a member (password resets, billing receipts, renewal and price-change notices, account-closure warnings, support replies) and coaching messages that are part of the product (the 5 PM check-in ping, the Friday pipeline calibration, the Sunday Summary, monthly money-tool reminders, coach nudges). Coaching messages arrive by web push if you allow it in your browser, otherwise by email, and you can switch each type off in Settings. We do not send text messages today; if we add them we will ask for your separate consent first. Any marketing email we send will carry an unsubscribe link.

14. Disclaimers; limitation of liability

14.1 As is. THE PLATFORM AND ALL RMA CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the Platform will be uninterrupted, error-free, or secure, that any figure it computes is correct, or that any coaching, tool, or content will produce any result.

14.2 Exclusion. TO THE FULLEST EXTENT PERMITTED BY LAW, RMA, ITS MEMBERS, MANAGERS, COACHES, CONTRACTORS, AND SERVICE PROVIDERS (INCLUDING OIKOS UNITED LLC) WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST COMMISSIONS, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY.

14.3 Cap. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE PLATFORM OR THESE TERMS WILL NOT EXCEED THE GREATER OF (a) THE FEES YOU PAID RMA IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE OR (b) US$100. For a claim arising from a security incident affecting your personal data, the cap is the greater of those fees or US$1,000.

14.4 Carve-outs. Nothing in this section limits liability for fraud, gross negligence, or willful misconduct, or any liability that cannot be limited by law. Some states do not allow certain limitations, so parts of this section may not apply to you; in that case liability is limited to the fullest extent the law allows.

14.5 Other members and third parties. RMA is not responsible for the conduct, content, referrals, or business dealings of other members, sponsors, or third parties you meet through the Platform.

15. Indemnification

You will defend and indemnify RMA and its service providers against third-party claims arising from Your Content, your use of the Platform in violation of these Terms or law, your real estate practice, or any referral or business dealing with another member. We will give you prompt notice and reasonable cooperation.

16. Dispute resolution; binding arbitration; class waiver

16.1 Talk to us first. Before filing a claim, email support@joinrmacoaching.com with your name, account email, and a description of the problem. We will try to resolve it within 30 days.

16.2 Arbitration. If we cannot, you and RMA agree that any dispute arising from the Platform or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in Charlottesville, Virginia, with hearings available by video or telephone, under the Federal Arbitration Act. RMA will pay all AAA filing, administrative, and arbitrator fees above the consumer filing fee set by AAA's Consumer Rules.

16.3 Class waiver. Disputes will be arbitrated only on an individual basis. No class, collective, consolidated, or representative actions.

16.4 Mass filings. If 25 or more similar demands are filed by or with the same counsel, the parties will use the AAA's mass-arbitration procedures and fee schedule then in effect.

16.5 Delegation and fallback. The arbitrator decides arbitrability, except that a court decides whether Section 16.3 is enforceable. If arbitration is found unenforceable, the parties waive jury trial to the extent permitted and agree to the courts of Section 17.

16.6 Carve-outs. Either party may bring an individual claim in small-claims court, or seek injunctive relief in court to protect intellectual property or stop unauthorized access.

16.7 Opt-out. You may opt out of this Section 16 by emailing support@joinrmacoaching.com with your name and account email within 30 days of first accepting these Terms. Opting out does not affect the rest of the Terms.

17. Governing law and venue

These Terms are governed by the laws of the Commonwealth of Virginia without regard to its conflict-of-laws rules. Subject to Section 16, the state and federal courts located in Charlottesville, Virginia have exclusive jurisdiction. If you are a consumer, the non-waivable consumer-protection laws of your home state still apply to you.

18. Termination

You may stop using the Platform and cancel at any time under Section 4. We may suspend or terminate your account for breach of these Terms, non-payment, or legal or security reasons. Free accounts that never subscribed and go unused are closed after a warning as described in the Privacy Policy; logging in cancels the closure. On termination we handle your data under the Privacy Policy; export first. Sections that by their nature survive (Sections 5, 6, 11, 14, 15, 16, 17, and 21) survive.

19. Changes to these Terms

We may update these Terms. For material changes we will email you or notify you in the Platform at least 14 days before they take effect and update the date at the top. Continued use after the effective date is acceptance. If you do not agree, cancel before the effective date.

20. Electronic agreement (E-SIGN and UETA)

You agree to receive these Terms, policies, receipts, and notices electronically, and that your electronic acceptance (clicking "Create account," agreeing at checkout, or continuing to use the Platform) has the same effect as a signature under the federal E-SIGN Act and the Virginia Uniform Electronic Transactions Act. You may withdraw consent to electronic records by contacting us, understanding the Platform cannot operate on paper.

21. General

These Terms, the Privacy Policy, the Community Guidelines, the Disclaimers, the Tier Supplement for your tier, any Sponsored Seat Terms, and the Lender Partner Program Terms where a lender sponsors your seat are the entire agreement between you and RMA about the Platform. If a provision is unenforceable it is reformed to the minimum extent necessary and the rest stands. Our failure to enforce a term is not a waiver. You may not assign these Terms; we may assign them in a merger, acquisition, or sale of the business, and will notify you. Neither party is liable for delay caused by events outside its reasonable control. Notices to RMA go to support@joinrmacoaching.com or the mailing address above; notices to you go to your account email.

22. Contact

Real Estate Mastery Academy LLC (DBA JoinRMACoaching) · 1769 Worth Park, Charlottesville, VA 22911 · support@joinrmacoaching.com