REO Genius

Terms of Service

Last Updated: May 25, 2026

1. Parties

These Terms of Service ("Terms") constitute a legally binding agreement between:

T. Adrian Petrila PA doing DBA REO Genius

("REO Genius," "Company," "we," "our," or "us")

and

the purchaser, customer, user, participant, licensee, or visitor ("Purchaser," "Customer," "you," or "your").

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2. Products Covered

These Terms apply to all REO Genius products and services, including but not limited to:

The REO & BPO Master List

Including but not limited to:

• REO Master List
• BPO Master List
• Registration Guides
• Quick Start Guides
• Sample BPOs
• Annotated BPO Examples
• Training Documents
• PDF Materials
• Checklists
• Databases
• Vendor Information
• Registration Links
• Video Training
• Bonus Videos
• Downloadable Resources
• Future Supplements (if any)

Purchaser acknowledges that the REO & BPO Master List is a proprietary compilation, selection, organization, and arrangement of information developed through substantial time, effort, experience, and expense, and is protected as confidential information, trade secrets (to the extent applicable), and proprietary intellectual property.

The REO Playbook

Including but not limited to:

• REO Master List
• BPO Master List
• Registration Guides
• Quick Start Guides
• Sample BPOs
• Annotated BPO Examples
• Training Documents
• PDF Materials
• Checklists
• Databases
• Vendor Information
• Registration Links
• Video Training
• Course Modules
• Templates
• Guides
• Educational Content
• Downloadable Materials
• Bonus Materials
• Interview Opportunities
• Future Supplements (if any)

These Terms also apply to all future products, bonuses, upgrades, supplements, downloads, websites, emails, videos, webinars, and related materials provided by REO Genius.

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3. Educational Purposes Only

REO Genius is an educational and informational product provider.

REO Genius does not provide:

• Legal advice
• Tax advice
• Accounting advice
• Financial advice
• Investment advice
• Brokerage supervision
• Regulatory compliance advice
• Employment services
• Recruiting services
• Placement services
• Licensing services
• Career counseling

All materials are provided solely for educational and informational purposes.

You are solely responsible for:

• Your business decisions
• Your licensing compliance
• Your registrations
• Your applications
• Your brokerage relationships
• Your regulatory compliance
• Your marketing activities
• Your income-producing activities

Nothing provided by REO Genius shall be interpreted as professional advice of any kind.

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4. Market Data, Industry Trends & Forward-Looking Statements Disclaimer

REO Genius may discuss:

• Foreclosure activity
• REO inventory
• Delinquency rates
• Housing market trends
• Asset manager activity
• BPO volume
• Industry forecasts
• Economic conditions
• Future opportunities
• Market cycles
• Business opportunities
• Industry growth
• Historical performance

Any such discussions constitute:

• Educational commentary
• Opinions
• Forecasts
• Interpretations
• Analyses
• Forward-looking statements

and shall not be construed as:

• Guarantees
• Promises
• Warranties
• Predictions of future fact
• Assurances of future opportunities

Past market cycles do not guarantee future market cycles.

Historical trends do not guarantee future trends.

Rising foreclosure activity does not guarantee increased REO opportunities.

Increased REO inventory does not guarantee increased listing assignments.

Increased BPO activity does not guarantee increased BPO opportunities.

Purchaser acknowledges that all business decisions are made at Purchaser's sole risk.

REO Genius disclaims all liability arising from reliance upon market commentary, forecasts, opinions, projections, statistics, or educational content.

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5. No Guarantees Whatsoever

Except as expressly provided in Section 12 (The 10-Order Guarantee), REO Genius makes absolutely no guarantees, representations, warranties, assurances, or promises regarding outcomes of any kind.

Without limitation, REO Genius does not guarantee that Purchaser will:

• Receive BPO assignments
• Receive REO listings
• Receive listing accounts
• Receive referrals
• Receive leads
• Receive clients
• Obtain interviews
• Be approved by any company
• Be approved by any AMC
• Be approved by any asset manager
• Be approved by any bank
• Be approved by any servicer
• Be approved by any vendor platform
• Earn income
• Earn commissions
• Earn profits
• Recover their investment
• Grow a business
• Obtain employment
• Obtain contractor opportunities
• Achieve any particular outcome

Many purchasers may receive little benefit, no measurable benefit, or no benefit whatsoever.

Your results depend upon numerous factors including:

• Experience
• Skill
• Work ethic
• Geography
• Competition
• Market conditions
• Timing
• Licensing status
• Brokerage support
• Third-party decisions

all of which are outside the control of REO Genius.

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6. Earnings Disclaimer

Any references to:

• Income
• Revenue
• Commissions
• Listings
• Closings
• Brokerage growth
• Team growth
• Business success
• Transaction volume

are illustrative only.

Examples including but not limited to:

• 25,000+ BPOs
• 1,000+ REO transactions
• 1,400+ assigned listings
• $1,000,000+ GCI
• 200 homes per year
• $300 million brokerage

reflect historical experiences and are not typical, average, expected, promised, or guaranteed results.

Purchaser acknowledges that statements such as:

• "The agents who act now will win"
• "Banks need agents"
• "The wave is building"
• "The window is opening"
• "The pipeline is filling"
• "Don't miss the opportunity"
• "Get positioned now"

and similar statements are marketing expressions, opinions, educational commentary, forecasts, or interpretations of publicly available information only.

Such statements shall not be interpreted as guarantees of:

• Income
• Assignments
• Listings
• Success
• Business opportunities
• Future results

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7. No Reliance

Purchaser acknowledges that they are not relying upon:

• Advertisements
• Marketing materials
• Emails
• Social media posts
• Webinars
• Videos
• Interviews
• Testimonials
• Case studies
• Success stories
• Verbal statements

when making a purchasing decision.

Purchaser is relying solely upon their own independent judgment and these Terms.

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8. Third-Party Company Disclaimer

REO Genius is not affiliated with, endorsed by, sponsored by, approved by, or acting on behalf of any:

• Bank
• Servicer
• Asset Manager
• AMC
• BPO Company
• Government Agency
• Lender
• Investor
• Vendor Platform

Inclusion of a company, website, platform, or registration link within any REO Genius product does not constitute:

• An endorsement
• A recommendation
• A guarantee
• A representation of quality
• A promise of acceptance

REO Genius has no authority over:

• Approval decisions
• Assignment decisions
• Listing allocations
• Vendor status
• Recruiting decisions
• Interview decisions

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9. No Duty to Update

REO Genius shall have no obligation whatsoever to:

• Update company lists
• Update registration links
• Update vendor information
• Update AMC information
• Update bank information
• Verify company information
• Correct outdated information
• Maintain databases

Third-party information may become outdated immediately after publication.

Purchaser accepts all such risk.

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10. Payment Terms

All purchases are due in full at the time of purchase unless otherwise expressly stated.

All fees are in U.S. Dollars.

Failure to make required payments may result in suspension or termination of access.

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11. No Refunds — All Sales Final

ALL SALES ARE FINAL, except as expressly provided in Section 12 (The 10-Order Guarantee).

Due to the immediate delivery of proprietary digital content, confidential information, vendor databases, company lists, educational materials, intellectual property, and downloadable resources:

• No refunds shall be issued.
• No partial refunds shall be issued.
• No exchanges shall be issued.
• No credits shall be issued.
• No cancellations shall be issued.
• No returns shall be accepted.

Purchaser expressly acknowledges that once access is granted, the information cannot be returned, recovered, revoked, or rendered unused.

Accordingly, Purchaser agrees that:

NO REFUNDS WILL BE PROVIDED,
EXCEPT AS EXPRESSLY PROVIDED IN SECTION 12.

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12. The 10-Order Guarantee (Limited Refund Exception)

This Section 12 sets forth the sole and exclusive exception to the No Refunds policy in Section 11. It applies only as expressly stated below.

12.1 Eligibility

The 10-Order Guarantee ("Guarantee") applies exclusively to customers who:

• Purchase The REO Playbook directly, at full price (a "Qualifying Purchase")
• Hold an active real estate license in good standing throughout the Guarantee period

The Guarantee does not apply to:

• Purchases of The REO & BPO Master List alone
• Upgrades from a Master List purchase to The REO Playbook
• Purchases made at promotional or discounted pricing, unless expressly stated in the promotional offer

The Guarantee is limited to one (1) claim per customer and is non-transferable.

12.2 Qualifying Conditions

To activate the Guarantee, the customer must, within thirty (30) days of the Qualifying Purchase date:

• Submit complete registration applications to all REO companies and all BPO companies included in The REO & BPO Master List, as published on the customer's purchase date
• Use the registration guidance and templates provided in The REO Playbook
• Provide accurate and truthful information in every application
• Retain documentation of each registration (confirmation emails, screenshots, or equivalent records)

Companies whose registration portals are closed to new agent registrations, or that impose eligibility requirements the customer cannot lawfully satisfy (such as geographic restrictions), are excluded from this requirement.

Applications containing false or materially incomplete information do not count toward the Qualifying Conditions.

12.3 The Guarantee

If the customer satisfies the Qualifying Conditions and does not receive at least ten (10) BPO Order Opportunities within ninety (90) days after the date the customer completes their final qualifying registration application, the customer is entitled to the remedies in Section 12.5.

A "BPO Order Opportunity" means any Broker Price Opinion order that is offered, assigned, broadcast, or otherwise made available to the customer by any company on the Master List or through any platform on which the customer registered:

• Regardless of the order's fee amount
• Regardless of whether the customer accepts, declines, or completes the order

12.4 Claim Procedure

To make a claim, the customer must email [email protected] within fourteen (14) days after the 90-day period ends, and include:

• The purchase confirmation
• Documentation of all qualifying registrations, with completion dates
• A statement of the number of BPO Order Opportunities received during the period, if any

12.5 Remedies

Upon a valid claim, remedies are provided in the following order:

Step 1 — Personal Profile Remediation. Adrian Petrila will personally review the customer's registration profiles and correct deficiencies affecting the customer's placement in order rotations. The customer agrees to cooperate reasonably with this review, including providing profile access and making requested corrections within fourteen (14) days of receiving them.

Step 2 — Full Refund. If the customer does not receive at least ten (10) BPO Order Opportunities within ninety (90) days after the Profile Remediation is completed, REO Genius will refund one hundred percent (100%) of the amounts the customer has paid for The REO Playbook, to the original payment method, within ten (10) business days of the customer's written refund request.

For purchases made on a payment plan:

• All payments made will be refunded
• All remaining scheduled payments will be cancelled

Upon refund, the customer's access to The REO Playbook, The REO & BPO Master List, and all associated materials terminates immediately, and the customer agrees to cease all use of downloaded materials. The confidentiality, intellectual property, prohibited use, and restricted competitive use provisions of these Terms survive any refund.

12.6 Exclusions

The Guarantee is void if the customer:

• Fails to complete the Qualifying Conditions within the 30-day window
• Allows their real estate license, errors & omissions coverage, or platform accounts to lapse or become suspended during the Guarantee period, for reasons within the customer's control
• Provides false information in any registration or in a Guarantee claim
• Initiates a chargeback rather than following the Claim Procedure in Section 12.4
• Materially violates these Terms

Declining or failing to complete offered BPO orders does not void the Guarantee. BPO Order Opportunities are counted when offered, not when accepted or completed.

12.7 Sole Remedy

The remedies in Section 12.5 are the customer's sole and exclusive remedy under this Guarantee.

This Guarantee is a promise of BPO Order Opportunities only. It is not a promise, projection, or guarantee of:

• Income
• Commissions
• REO listings
• Listing accounts
• Business results of any kind

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13. Chargebacks

Purchaser agrees not to initiate a chargeback without first contacting REO Genius and, where applicable, following the Claim Procedure in Section 12.4.

Improper chargebacks constitute a material breach of these Terms.

REO Genius may pursue recovery of:

• Attorney fees
• Arbitration costs
• Collection costs
• Administrative costs
• Damages

arising from improper chargebacks.

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14. Confidentiality & NDA

All REO Genius materials constitute confidential and proprietary information.

By purchasing any REO Genius product, Purchaser automatically agrees to maintain confidentiality regarding all protected materials.

Protected Materials include:

• Lists
• Databases
• Company information
• Vendor information
• Videos
• PDFs
• Training
• Templates
• Checklists
• Systems
• Processes
• Methodologies

Purchaser shall not disclose Protected Materials to any third party.

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15. Intellectual Property

All content is owned exclusively by REO Genius.

Purchaser receives a limited, revocable, non-transferable license for personal use only.

No ownership rights are transferred.

Purchaser acknowledges that the REO & BPO Master List is a proprietary compilation, selection, organization, and arrangement of information developed through substantial time, effort, experience, and expense, and is protected as confidential information, trade secrets (to the extent applicable), and proprietary intellectual property.

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16. Prohibited Uses

Purchaser shall not:

• Share materials
• Publish materials
• Reproduce materials
• Sell materials
• License materials
• Distribute materials
• Upload materials online
• Post materials on social media
• Create derivative works
• Use materials for commercial training
• Create competing products

without prior written consent.

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17. Restricted Competitive Use

Purchaser shall not directly or indirectly use any REO Genius materials, information, databases, methodologies, systems, templates, training, vendor lists, company lists, checklists, guides, videos, or intellectual property to:

• Create a competing product
• Create a competing course
• Create a competing coaching program
• Create a competing membership
• Create a competing database
• Create a competing certification
• Create a competing REO or BPO training business
• Train others using REO Genius materials
• Develop derivative educational products

whether for compensation or otherwise, that compete with REO Genius.

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18. Liquidated Damages

The parties acknowledge that unauthorized disclosure, distribution, reproduction, commercial use, competitive use, derivative use, or exploitation of REO Genius intellectual property would cause substantial damages that are difficult to quantify.

Accordingly, each unauthorized:

• Disclosure
• Distribution
• Transfer
• Reproduction
• Sale
• Upload
• Publication
• Sharing
• Licensing
• Competitive Use
• Derivative Use
• Creation of a Competing Product

shall constitute a separate breach.

Purchaser agrees to pay:

$25,000 PER OCCURRENCE

as liquidated damages.

These damages are cumulative and in addition to:

• Injunctive relief
• Attorney fees
• Arbitration costs
• Collection costs
• Actual damages if greater

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19. Interview Opportunities

Any interview opportunity referenced within a product is discretionary.

REO Genius is under no obligation to:

• Conduct interviews
• Offer employment
• Offer contractor relationships
• Offer partnerships
• Offer referrals
• Offer listing opportunities

Purchase does not create any entitlement to business opportunities.

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20. Non-Disparagement

Purchaser agrees not to knowingly publish, communicate, or disseminate false, misleading, defamatory, malicious, or disparaging statements concerning REO Genius, T. Adrian Petrila PA, Adrian Petrila, affiliates, products, services, employees, contractors, or business operations.

This section shall not prohibit truthful statements required by law.

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21. Electronic Acceptance

Purchaser agrees that clicking a purchase button, checking an acceptance box, accessing materials, downloading materials, viewing materials, or using materials constitutes electronic acceptance of these Terms and shall have the same legal effect as a handwritten signature.

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22. Termination

REO Genius may terminate access immediately upon violation of these Terms.

No refund shall be owed.

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23. Disclaimer of Warranties

EXCEPT FOR THE EXPRESS LIMITED GUARANTEE IN SECTION 12, ALL PRODUCTS ARE PROVIDED:

"AS IS" AND "AS AVAILABLE"

WITHOUT WARRANTIES OF ANY KIND.

REO Genius expressly disclaims all warranties including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement

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24. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

REO Genius shall not be liable for:

• Lost profits
• Lost revenue
• Lost opportunities
• Business interruption
• Loss of data
• Consequential damages
• Indirect damages
• Special damages

Under no circumstances shall total liability exceed the amount actually paid by Purchaser.

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25. Indemnification

Purchaser agrees to indemnify and hold harmless:

• REO Genius
• T. Adrian Petrila PA
• Adrian Petrila
• Employees
• Contractors
• Affiliates

from any claims arising from:

• Use of materials
• Business activities
• Licensing activities
• Regulatory violations
• Purchaser conduct

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26. Arbitration

Any dispute shall first be submitted to informal resolution.

If unresolved, disputes shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA).

Arbitration shall occur in Pinellas County, Florida.

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27. Class Action Waiver

Purchaser waives any right to participate in:

• Class actions
• Collective actions
• Representative actions

All disputes must be brought individually.

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28. Jury Trial Waiver

Purchaser knowingly and voluntarily waives any right to trial by jury.

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29. Governing Law

These Terms shall be governed exclusively by Florida law.

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30. Force Majeure

REO Genius shall not be liable for delays or failures caused by events beyond its control.

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31. Modifications

REO Genius may modify these Terms at any time.

Continued use constitutes acceptance of revised Terms.

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32. Entire Agreement

These Terms constitute the entire agreement between the parties.

No verbal statements or prior communications shall modify these Terms.

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33. Contact Information