TERMS OF SERVICE

Debt2Capital® Book Marketing System

Last Updated: May 27th, 2026

1. ACCEPTANCE OF TERMS

By enrolling in the Debt2Capital® Book Marketing System (“Service”) operated by Smart Publishing (“Company,” “we,” “us,” or “our”), you (“Agent,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use this Service.

2. SERVICE DESCRIPTION

The Debt2Capital® Book Marketing System is an annual subscription service that provides:

A personalized consumer-facing landing page hosted at a unique URL
Automated email follow-up sequences for lead nurturing
Marketing scripts and guidance documentation
Technical support for the landing page and automation systems

Annual Subscription Fee: $550.00 USD, billed annually

Monthly Subscription Fee: $49.99 USD, billed monthly

3. ELIGIBILITY AND QUALIFICATION

To enroll in this Service, you must:

Be a contracted financial advisor or insurance agent
Have completed Debt2Capital® training
Possess an active GBU (Great United Life Insurance Company) agent ID
Have an active subscription to the Debt2Capital® software platform

By enrolling, you represent and warrant that you meet all eligibility requirements. We reserve the right to verify your qualifications and terminate service if you do not meet these requirements.

4. ENROLLMENT AND PAYMENT

4.1 Subscription

Your enrollment creates an automatically renewing annual subscription. Payment is processed immediately upon enrollment via Stripe, our third-party payment processor.

4.2 Automatic Renewal

Your subscription will automatically renew each year on the anniversary of your enrollment date at the then-current annual rate unless you cancel prior to the renewal date. You will be charged automatically using your payment method on file.

4.3 Payment Authorization

By providing payment information, you authorize us and Stripe to charge your payment method for the initial subscription fee and all subsequent renewal fees.

4.4 Failed Payments

If a renewal payment fails, we will attempt to process payment up to three (3) times. If all attempts fail, your subscription and access to the Service will be suspended until payment is received.

5. PROFILE COMPLETION AND PERSONALIZATION

5.1 Required Information

After enrollment, you must complete your agent profile by providing:

Professional headshot photograph (high-resolution, professional quality)
Personal essay (350-400 words) describing “What Debt2Capital® Means to Me”
Digital signature
Calendar booking link (Calendly, Cal.com, or similar)
Mailing address for book shipment
Contact information verification

5.2 Completion Deadline

You will receive email reminders to complete your profile. Books cannot be printed and your landing page cannot be activated until all required information is submitted.

5.3 Content Review

All submitted content (photos, essays, signatures) will be reviewed by our professional writing team for quality, compliance, and brand consistency. We reserve the right to request revisions or reject content that does not meet our standards.

5.4 License Grant

By submitting your personalized content, you grant us a non-exclusive, worldwide, royalty-free license to reproduce, distribute, and display your name, likeness, photograph, signature, and essay in the personalized books and on your landing page for the duration of your active subscription.

6. BOOK PRODUCTION AND DELIVERY

6.1 Initial Books

Your first ten (10) personalized books will be printed and shipped to your provided mailing address within 4-6 weeks of profile completion.

6.2 Annual Renewal Books

Upon annual renewal, an additional ten (10) books will be automatically ordered and shipped to your address on file.

6.3 Additional Books

You may purchase additional books in quantities of 10, 25, 50, or 100 at the pricing displayed on our website. Additional book orders are separate from your subscription and are non-refundable once production begins.

6.4 Shipping

Books are shipped via standard ground shipping to US addresses. International shipping may incur additional fees.

7. LANDING PAGE AND AUTOMATION

7.1 Page Activation

Your personalized landing page will be activated within 5-7 business days of profile completion.

7.2 URL Structure

Your landing page will be hosted at: [domain]/agent/[your-name] or similar structure determined by us.

7.3 Content Control

Global content on your landing page (core educational material, Debt2Capital® methodology, pricing) is controlled by us and may be updated at any time to maintain accuracy and compliance. Your personalized sections (name, photo, bio, contact information) can be edited through your agent portal.

7.4 Lead Data

All leads captured through your landing page are your property. Lead contact information will be delivered to you via email notification and stored in our GoHighLevel CRM system for your access while subscribed to the Debt2Capital® Book Marketing System. All lead data must be downloaded prior to cancellation.

8. CANCELLATION AND REFUNDS

8.1 Cancellation by You

You may cancel your subscription at any time through your agent portal or by contacting support at support@d2cmethod.com. Cancellation will take effect at the end of your current billing period. Any leads held in our GHL CRM system will become inactive upon subscription cancellation. If you do not intend to renew, download the leads prior to cancellation.

8.2 No Refunds

Subscription fees are non-refundable. If you cancel, you will retain access to your landing page and automation until the end of your paid period, but no refund will be issued for unused time.

8.3 Book Refund Policy

Books are custom-printed with your personalized content and cannot be refunded.

8.4 Cancellation by Us

We reserve the right to cancel your subscription and terminate access to the Service if:

You violate these Terms
You are found to be ineligible for the Service
You engage in fraudulent or abusive behavior
Your payment method fails repeatedly

Upon termination by us, your landing page will be deactivated and you will forfeit any prepaid fees.

9. INTELLECTUAL PROPERTY

9.1 Company Property

The Debt2Capital® name, trademark, logo, methodology, book content (excluding your personal essay), landing page template, automation sequences, and all related intellectual property are owned exclusively by Smart Publishing. You receive a limited, non-exclusive, non-transferable license to use these materials solely in connection with the Service during your active subscription.

9.2 Restrictions

You may not:

Reproduce, modify, or create derivative works of the Debt2Capital® materials
Use the Debt2Capital® trademark or branding outside of the provided Service
Share, sell, or distribute the books or materials to other agents or competitors
Reverse engineer or copy the landing page or automation systems

9.3 Your Content

You retain ownership of your submitted content (photo, signature, essay), but grant us the license described in Section 5.4.

10. REPRESENTATIONS AND WARRANTIES

You represent and warrant that:

All information you provide is accurate, current, and complete
You have the legal right to use your submitted photo and signature
Your essay is original work and does not infringe on any third-party rights
You will use the Service in compliance with all applicable laws and regulations, including securities, insurance, and financial services regulations
You will not make false, misleading, or unsubstantiated claims about Debt2Capital® or the Service

11. DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

The Service will be uninterrupted, secure, or error-free
The Service will generate any specific number of leads or sales results
The quality of any books, information, or materials will meet your expectations
Any errors in the Service will be corrected

12. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SMART PUBLISHING OR THEIR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

13. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Smart Publishing and their officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

Your use of the Service
Your violation of these Terms
Your violation of any law or regulation
Your violation of any third-party rights
Content you submit to the Service

14. COMPLIANCE AND REGULATORY MATTERS

14.1 Your Responsibility

You are solely responsible for ensuring that your use of the Service, including all marketing materials, landing page content, and client communications, complies with all applicable federal and state laws, including but not limited to:

Securities and Exchange Commission (SEC) regulations
Financial Industry Regulatory Authority (FINRA) rules
State insurance department regulations
Federal Trade Commission (FTC) advertising guidelines
All licensing and appointment requirements

14.2 No Legal or Compliance Advice

We do not provide legal, compliance, or regulatory advice. You should consult with your compliance department or legal counsel regarding your use of the Service.

15. MODIFICATIONS TO SERVICE AND TERMS

15.1 Service Changes

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice.

15.2 Price Changes

We may change the subscription price for future renewal periods. We will provide at least thirty (30) days’ notice before any price increase takes effect. Your continued use of the Service after a price increase constitutes acceptance of the new price.

15.3 Terms Changes

We may update these Terms at any time. We will notify you of material changes via email. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. COMMUNICATIONS

16.1 Transactional Emails

By enrolling, you consent to receive transactional and operational emails related to your subscription, including:

Enrollment confirmation
Profile completion reminders
Book shipment notifications
Renewal reminders
Service updates
Technical support communications

16.2 No Marketing Emails

We will not send you promotional or marketing emails. All communications will be related to your subscription and use of the Service.

16.3 Communication Preferences

You cannot opt out of transactional emails that are necessary for the operation of your subscription, but you may update your contact information through your agent portal.

17. THIRD-PARTY SERVICES

17.1 Payment Processing

Payment processing is handled by Stripe, Inc. Your use of Stripe is subject to Stripe’s Terms of Service and Privacy Policy. We are not responsible for Stripe’s services or any issues related to payment processing.

17.2 CRM and Automation

Lead management and email automation are provided through GoHighLevel. We are not responsible for any issues with GoHighLevel’s services.

17.3 Book Printing

Books are printed and shipped by Lulu Press, Inc. or other third-party printing vendors. We are not responsible for printing quality issues or shipping delays beyond our reasonable control.

18. DISPUTE RESOLUTION

18.1 Informal Resolution

Before filing any formal claim, you agree to contact us at support@d2cmethod.com to attempt to resolve the dispute informally.

18.2 Governing Law

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

18.3 Arbitration

Any dispute arising out of or related to these Terms or the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association’s Commercial Arbitration Rules, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction. The arbitration shall take place in Weirton, WV

18.4 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and us individually. You waive any right to participate in any class action or class-wide arbitration.

19. GENERAL PROVISIONS

19.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings.

19.2 Severability

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

19.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

19.4 Assignment

You may not assign or transfer these Terms or your subscription without our prior written consent. We may assign these Terms at any time without notice.

19.5 Survival

Provisions that by their nature should survive termination (including Sections 5.4, 9, 11, 12, 13, and 18) shall survive termination of these Terms.

20. CONTACT INFORMATION

For questions about these Terms or the Service, please contact:

Smart Publishing

3660 Pennsylvania Ave – Weirton, WV 26062

Email: support@d2cmethod.com

Phone: 800-499-0797

By enrolling in the Debt2Capital® Book Marketing System, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.