Member Agreement

Acceptance of Terms of Use from TQ-MAX

These Terms and Conditions and Privacy Policy govern user’s use of the TQ-MAX, LLC, it's website and services   (TQ-MAX). Before you may become a subscriber to, users must read and accept all of the terms in, and linked to, the Terms and Conditions and the Privacy Policy. TQ-MAX strongly recommends that, as users read the Terms and Conditions, users also access and read the linked information. By accepting these Terms and Conditions, users agree that the Terms and Conditions and Privacy Policy will apply whenever users use the    TQ-MAX website and services, or when users use the tools we make available to interact with the TQ-MAX website and services.

In addition, by using, visiting, or browsing the TQ-MAX website or services, users accept and agree to be bound by TQ-MAX Terms and Conditions and Privacy Policy. If users do not agree to these terms, users should not use the TQ-MAX website or services.

The Terms and Conditions and Privacy Policy are an ongoing contract between users and TQ-MAX, LLC and apply to user’s use of the TQ-MAX website and services. Thus, the Terms and Conditions and Privacy Policy affect user’s rights and users should read them carefully and are encouraged to print them for reference.
Changes to Terms of Use

TQ-MAX reserves the right, from time to time, with or without notice to users, to change the Terms and Conditions and Privacy Policy in their sole and absolute discretion. The most current version of the Terms and Conditions and Privacy Policy can be reviewed by clicking on the "Terms and Conditions" link located at the bottom of the pages of the TQ-MAX website. The most current version of the Terms and Conditions will supersede all previous versions. User’s use of the TQ-MAX website or services, or continued use of our website or service after changes are made, means that users agree to be bound by such changes. As such, users should review the Terms and Conditions and Privacy Policy periodically.

TQ-MAX, LLC grants users an exclusive, non-transferable, unlimited right to access and use this website or services provided hereon, and to download or print content displayed on the website provided that users comply fully with the Terms and Conditions. The contents of the website are web-based and/or downloadable software to calculate mortgage acceleration strategies as well as to provide users with a Cash Reward program. TQ-MAX, LLC reserves the right to stop and modify the Cash Rewards program. Users agree not to interrupt, or attempt to interrupt, the operation of the website or any part of it in any way. TQ-MAX, LLC reserves the right to cancel a user’s participation due to non-compliance.

TQ-MAX, LLC does not discriminate on the basis of age, race, national origin, gender, sexual orientation or religion.
Service Charges and Payment Life-Time Membership
TQ-MAX is a subscription-based service charging users a one-time flat fee for a life-time membership. Certain TQ-MAX website services are available only through the purchase of a life-time membership which is billed only once.

Users agree to pay, using a valid payment card which TQ-MAX accepts, all fees and charges, including applicable taxes, users have incurred through user’s account, including the one- time flat fee for a life-time subscription.

TQ-MAX may also charge users fees for Additional Products and Services, including certain products or services offered for sale or download through the TQ-MAX website. The TQ-MAX Cash Rewards Programs is provided as an incentive to TQ-MAX members and cash-back rewards are subject to a Cash Rewards Program Management fee equal to 10% of cash-back rewards settled monthly to the account. TQ-MAX reserves the right to modify the Cash Rewards Program Management Fee as appropriate in order to maintain appropriate funding for the TQ-MAX Cash Rewards Program management.

TQ-MAX, LLC reserves the right to increase fees and surcharges, including fees for Additional Subscription-Based Services, or to institute new fees at any time, upon reasonable notice posted in advance on the website or sent to users based on contact information users provide in user’s “My Account” page.

In addition to the charges set forth above, users are responsible for all charges associated with connecting to the website, including without limitation all telephone access lines (including long-distance charges, when applicable), telephone and computer equipment and any service fees necessary to access the website.

Registration Data
For purposes of identification and billing, users agree to provide TQ-MAX with accurate, complete, and updated information required when purchasing additional services or products on our website, including registering for a one-time fee for a life-time membership Subscription-Based Service ("Registration Data"). Registration Data may include user’s name, address, telephone number(s), email address and applicable payment card data (e.g., payment card number and expiration date). Users may check the “My Account” page to determine whether user’s Registration Data is current and accurate. Users may update Registration Data at any time by logging into their Account with user’s username and password. Failure to comply with this provision (including without limitation falsification of any Registration Data) may, at TQ-MAX’s option, result in immediate suspension or termination of user’s right to use website.

User’s agree to promptly update Registration Data in the “My Account” page if users know of or suspect unauthorized use of user’s service or other website service, or in the event of any known or suspected breach of security, including loss, theft, or unauthorized disclosure of user’s password or payment card information. In the event of a breach of security on user’s part, users will remain liable for any unauthorized use of user’s subscription until users update user’s Registration Data. If user’s Cash Back Reward credit card information expires, is canceled, is lost or is subject to use without user’s authorization, or if user’s Subscription-Based Service or other website service is subject to use without user’s authorization, go to user’s “My Account” page to update user’s Registration Data or contact Customer Service. Intellectual Property

All content included on the TQ-MAX website and delivered to members as part of the website and service, including calculations for mortgage acceleration strategies and the Cash Back Rewards program, is the property of TQ-MAX. LLC, and is protected by United States and international copyright laws or other intellectual property laws and treaties. The compilation of all content on this website is the exclusive property of, and protected by U.S. and international copyright laws. Content shall not be reproduced or used without express written permission from TQ-MAX, LLC, or its suppliers. Users agree not to decompile, reverse engineer or disassemble any software (including but not limited to the Mortgage Acceleration Software) or other products or processes accessible through the TQ-MAX website, not to insert any code or product or manipulate the content of the    TQ-MAX website in any way that affects the user's experience, and not to use any data mining, data gathering or extraction method. TQ-MAX, LLC reserves the right to terminate user membership hereunder if TQ-MAX, LLC, in its sole and absolute discretion, believes that the user is in violation of this paragraph, such violations including the copying of Mortgage Acceleration Software brought to users by, or the copying or other unauthorized use of’s proprietary content or Cash Back Rewards program. TQ-MAX, LLC does not promote, foster or condone the copying of software or any other infringing activity. TQ-MAX website and services, including mortgage acceleration strategies and Cash Rewards Programs, are provided to users by solely for user’s personal and non-commercial use. Please see the instructions at the end of the Terms and Conditions for notifying TQ-MAX, LLC of the presence of any allegedly infringing content on the TQ-MAX website.

TQ-MAX is a registered trademark of TQ-MAX, LLC. The TQ-MAX website, including but not limited to its graphics, logos, page headers, button icons, scripts and service names constitute trade dress of TQ-MAX, LLC. The trademarks, service marks and trade dress of TQ-MAX may not be used or reproduced without prior written approval from TQ-MAX, LLC and may not be used in connection with any product or service that is not affiliated with TQ-MAX, in any manner that is likely to cause confusion among customers, in any manner that dilutes the rights of TQ-MAX, or in any manner that disparages or discredits TQ-MAX. Other trademarks that appear on the TQ-MAX website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by TQ-MAX. Any images of persons or personalities contained on the TQ-MAX website are not an indication or endorsement of TQ-MAX or any particular product or our service unless otherwise indicated.

TQ-MAX, LLC currently has one pending patent application before the United States Patent & Trademark Office. Specifically, United States Patent Application Serial Number 12/454,407, claiming priority of provisional application 61/053,970 filed on May 16, 2008 that covers a system and method for maximizing equity and interest reduction including mortgage acceleration software.

Disclaimers and Indemnity
By using the Site and/or posting Materials, you agree to indemnify TQ-MAX, its officers, directors, employees, successors, agents, and affiliates for any and all claims, damages, losses and causes of action (including attorneys' fees and court costs) arising out of or relating to your breach or alleged breach of this Agreement (including without limitation, claims made by third parties for infringement of intellectual property rights), or for any content that is provided by you (or through your username and/or password). You agree to cooperate as fully as reasonably required in TQ-MAX's defense and/or settlement of any claim. TQ-MAX reserves the right to assume that exclusive control over the defense and settlement of any matter subject to indemnification by you. The information contained in this Site is for general guidance on topics selected by TQ-MAX. Such information is provided on a blind-basis, without any knowledge as to your industry, identity or specific circumstances. The application and impact of relevant laws will vary from jurisdiction to jurisdiction. There may also be delays, omissions, or inaccuracies in information contained in this Site. The information on this Site is provided with the understanding that TQ-MAX and various authors and publishers' providing such information does not constitute the rendering of legal, accounting, tax, career or other professional advice or services. As such, information on this Site should not be relied upon or used as a substitute or consultation with professional advisors. TQ-MAX'S SITE MAY CONTAIN FACTS, VIEWS, OPINIONS, STATEMENTS, AND RECOMMENDATIONS OF THIRD-PARTY INDIVIDUALS AND ORGANIZATIONS. TQ-MAX DOES NOT REPRESENT OR ENDORSE THE ACCURACY, CURRENTNESS, OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, RECOMMENDATIONS, OR OTHER INFORMATION DISPLAYED, UPLOADED, OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, STATEMENT, RECOMMENDATIONS, OR INFORMATION WILL BE AT YOUR SOLE RISK. FURTHERMORE, TQ-MAX DOES NOT WARRANT, GUARANTEE OR MAKE ANY REPRESENTATIONS REGARDING THE QUALITY OF, OR ACCURACY OF ADVERTISEMENTS FOR, ANY MERCHANDISE, PRODUCTS OR SERVICES OFFERED OR PROVIDED BY ITS ALLIES OR SUPPLIERS IN CONJUNCTION WITH THE TQ-MAX SERVICE. THE MATERIALS ON THE SITE ARE PROVIDED ON AN "AS IS" BASIS AND WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. TQ-MAX MAKE NO WARRANTY AS TO THE QUALITY, ACCURACY, COMPLETENESS, AND VALIDITY OF ANY MATERIALS ON THE SITE AND DOES NOT WARRANT THAT THE FUNCTIONALITY CONTAINED ON THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER(S) THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Where applicable law does not allow the exclusions of implied warranties, the foregoing exclusions may not apply to you.

Notice of Cancellation
You have the right to cancel your TQ-MAX membership and receive a refund if you are not satisfied that the    TQ-MAX program (also referred to as the System) will be helpful to you. Send cancellations requests to:, subject line “Cancellation”. Your cancellation will take effect immediatel after we receive your written request. In order to obtain a full refund, you must abide by the terms listed below.

Terms for obtaining a Full Refund
In order to qualify for a refund of the cost of the program that has been paid, the following terms apply:

You can view and test the proprietary TQ-MAX Mortgage Acceleration software (TQ-Calculator) but no mortgage data must have been saved or stored into the System or its related databases

You can view and test the proprietary TQ-MAX Mortgage Acceleration software (TQ-Calculator) but no mortgage acceleration strategy or scenario must have been stored or saved into the System or its related databases

No credit or debit cards must have been registered into the TQ-MAX Cash Rewards program

By using the System and storing mortgage data, acceleration strategies, or by registering credit or debit cards in the the TQ-MAX Cash Rewards program, you agree to pay the full stated cost of the lifetime membership in effect at the time application and no refund will be made for any cancellation thereafter.

TQ-MAX Member Benefits
As a TQ-MAX Member, you can enjoy the freedom of mortgage-free living without all the hassle of refinancing your existing mortgage. Our innovative method virtually eliminates years of mortgage payments!
Don't wait any longer. Join TQ-MAX Now and start saving money for your mortgage

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