This Agreement exists to keep things clear:

• what you’re purchasing

• what is included (and not included)

• how payment, refunds, and rescheduling work

• how uploads and confidentiality are handled

• what happens if there’s a dispute

By booking, paying, or receiving services, you accept this Agreement.

“Services” means the consulting, system-building, monitoring, templates, dashboards, and support described in the Tier Addendum in Section 15.

“Deliverables” means any outputs we provide (examples: structures, operating rules, trackers, templates, notes, dashboards, summaries).

“Client Data” means information you provide, including uploaded files and session details.

“Work Begins” means we start preparing, reviewing uploads, building logic, configuring structure, or delivering any portion of Services.

Provider delivers the Services tied to the tier you purchase, as defined in Section 15.

Provider may provide:

• clarity and structure for budgeting and cash flow

• operating rules and decision logic

• stability monitoring and drift prevention

• system setup (including templates and workflow)

• dashboard-grade outputs when included in tier scope

We do not provide tax filing, legal services, or investment management unless a separate signed agreement states otherwise.

Provider does not:

• act as your CPA, attorney, fiduciary, or investment advisor

• negotiate with creditors, collections, or banks on your behalf

• guarantee outcomes (savings %, debt reduction %, income improvement)

• provide emergency financial coverage or crisis intervention services

You are responsible for your decisions and actions.

You agree to:

1. provide accurate information to the best of your ability

2. complete intake questions before sessions when required

3. upload requested documents on time when asked

4. attend sessions and communicate constraints (deadlines, major life changes)

If you do not provide required information, results may be limited and timelines may extend.

If you upload transactions, statements, or related files, they are handled through Google Drive via Provider’s uploader link.

You confirm:

• you have the right to provide the files

• the files may include sensitive personal financial information

• you will not upload passwords, authentication codes, SSNs, or medical records

Provider uses Client Data solely to deliver Services.

Paid services are billed through Stripe.

• some tiers require payment to confirm booking

• your appointment is not finalized until payment is completed

• Provider does not store your full card number

This policy is strict to protect time already reserved and work already performed.

8.1 Free services

Quick Check is free. No refunds apply.

8.2 Paid services: general rule

All paid Services are non-refundable once Work Begins.

Work is considered begun once any of the following occurs:

• reviewing uploads or statements

• building structure logic

• configuring monitoring/control logic

• providing session delivery or written outputs

8.3 Cancellations & rescheduling

Unless otherwise shown at checkout:

• Reschedule window: at least 24 hours before session start

• Late cancellation: within 24 hours may be forfeited

• No-show: forfeits the session

8.4 Exceptions (Provider-side)

If Provider cancels and cannot reschedule within a reasonable time, Client may request a refund for the unused portion of paid Services.

Chargebacks create immediate financial and administrative impact.

If you believe a charge is incorrect, you agree to email Provider first and allow 7 days to resolve.

If a chargeback is filed, Provider may submit evidence including:

• booking confirmation

• payment confirmation

• intake completion record

• delivery logs (session attendance)

• proof that the policy was shown/accepted at checkout

Stripe specifically notes that dispute outcomes improve when merchants can prove customers agreed to refund/terms at checkout.

If a chargeback is found to be invalid after Services were delivered or time reserved, Client may be responsible for reasonable administrative costs and processing fees.

Provider communicates primarily through:

• email and/or

• scheduled sessions and defined workflow channels

Provider does not provide unlimited on-demand availability unless explicitly included in writing.

Confidential Information includes non-public information shared during the engagement, including Client Data and Provider systems.

Provider commitment

Provider will not share Client Confidential Information except:

• to deliver services through necessary tools (Stripe/Drive/scheduling)

• with your written permission

• if required by law

• to defend against disputes, chargebacks, or claims

Client commitment

Client agrees not to copy, resell, distribute, publish, or teach Provider deliverables, frameworks, templates, or systems without written permission.

12.1 Provider IP (pre-existing)

Provider retains ownership of:

• frameworks

• methods

• templates

• tools and structures

• branding and site content

12.2 Client license

Upon payment, Client receives a personal/internal-use license to use deliverables for their own finances or business operations.

Client may not resell, publish, or redistribute deliverables.

12.3 Client materials

Client retains ownership of Client Data and materials they provide.

Provider Services are educational and operational in nature.

Provider does not provide:

• legal advice

• tax advice

• investment advice/execution

Client remains responsible for financial decisions and outcomes.

To the maximum extent permitted by law:

Provider is not liable for indirect, incidental, special, or consequential damages.

Provider’s total liability for any claim is limited to the amount paid by Client for the specific Service giving rise to the claim.

This ladder exists to resolve issues without unnecessary escalation.

Step 1 — Good-faith resolution:
Client agrees to contact Provider and allow 14 days to attempt resolution.

Step 2 — Mediation:
If unresolved, either party may request mediation in Maryland.

Step 3 — Court or arbitration:
If mediation fails, disputes will be resolved in the courts located in Maryland, unless both parties agree in writing to binding arbitration.

This Agreement is governed by the laws of the State of Maryland, without regard to conflict-of-law principles.

Provider may update this Agreement for future purchases. Updates do not retroactively change an engagement already purchased unless both parties agree in writing.

This Agreement + the Tier Addendum (below) represent the full agreement between Client and Provider.

This Tier Addendum defines what you purchased.

A) Quick Check (Free)

Purpose: clarity + routing
Includes:

• short session

• next 1–3 moves

• tier recommendation
  Not included: ongoing work, rebuilds, dashboards

B) Tiles Monitor (Paid)

Purpose: 2DT stability (consistency + drift prevention)
Includes:

• monitoring rhythm + guardrails

• drift detection

• adjustments to keep the system stable
  Not included: full rebuild, automation builds unless written

C) BvA Core (Paid)

Purpose: 3DT rebuild (structure + operating rules)
Includes:

• rebuilt system: spending/bills/buffers

• category logic + operating rules

• variability handling

• debt-pressure pacing structure
  Not included: advanced control layer unless added

D) BvA Pro (Paid)

Purpose: 4DT control tier (field stability + prevention)

Includes:

• everything in BvA Core

• multi-account/cash-credit interaction control logic

• Debt Throttle / pacing logic where relevant

• early-warning monitoring indicators

• stability prescriptions (what to adjust, when, and how hard)

• iterative refinement after real-world use

• dashboard-grade outputs when included in your engagement scope

Not included:

• unlimited 24/7 availability

• tax/legal/investment services

• creditor negotiation/representation

• guarantees of outcomes

By booking, paying, or receiving Services, you acknowledge you have read and accepted this Agreement.