TERMS AND CONDITIONS

Effective Date: February 2, 2026 | Version 3.0

Please read these Terms and Conditions ("Agreement") carefully before enrolling in, accessing, or using any program, service, coaching session, video training module, or digital asset offered by AD-VISORY COACHING LLC ("Company," "we," "us," or "our"). By enrolling in, purchasing, or accessing any portion of the program, you ("Client," "Participant," or "you") agree to be legally bound by this Agreement in its entirety.

This Agreement constitutes a legally binding contract between you and AD-VISORY COACHING LLC. If you do not agree with any portion of these terms, you must immediately discontinue access and refrain from enrolling.

Section 1 — Description of Services & Program Structure

1.1 Overview

AD-VISORY COACHING LLC offers a professional coaching and education program specifically designed for sales professionals seeking to launch and grow their own Artificial Intelligence (AI) agency business ("the Program"). The Program is delivered through a combination of the following modalities:

One-on-One Coaching Sessions: Scheduled, private coaching calls between the Participant and an assigned coach or Company representative.

Group Coaching Sessions: Live or recorded group coaching calls in which multiple Participants receive instruction, feedback, and guidance collectively.

Video Training Modules: A curated library of pre-recorded instructional video content hosted on the Company's designated video platform, providing self-paced, individualized study of program curriculum.

Digital Assets & Resources: Downloadable templates, worksheets, guides, scripts, and other proprietary digital materials provided as part of the Program.

1.2 Delivery Method

All services are delivered digitally via online platforms, video conferencing tools, and/or a proprietary or third-party learning management system. Access credentials will be provided upon successful enrollment and confirmed payment. The specific platform(s) used may change at the Company's discretion with reasonable notice to active Participants.

1.3 Program Scope

The Program is educational and instructional in nature. Coaching sessions constitute the sharing of knowledge, experience, and perspective. Nothing within the Program constitutes legal, financial, accounting, or investment advice. Participants are solely responsible for their own business decisions and are strongly encouraged to consult qualified professionals in those areas as appropriate.

Section 2 — Nature of the Business Opportunity

2.1 Business Opportunity Disclosure

The Program is designed to educate Participants on how to start and operate their own independent AI agency business. This constitutes a business opportunity. Starting any business involves inherent risk, uncertainty, and the possibility of financial loss.

2.2 Independent Contractor Status

Participants who engage with Program content do so as independent individuals operating their own separate business ventures. Nothing in this Agreement creates an employment relationship, partnership, joint venture, franchise relationship, or agency relationship between the Participant and AD-VISORY COACHING LLC.

2.3 Participant Responsibility

Each Participant is solely responsible for:

Complying with all applicable federal, state, and local laws and regulations pertaining to the operation of their business.

Obtaining all necessary licenses, permits, and registrations required to lawfully operate.

Filing and paying all applicable taxes on any income earned.

Making all independent business decisions, including hiring, pricing, contracting, and marketing.

Managing their own financial affairs, including business expenses and capital requirements.

2.4 No Franchise or Business in a Box

Enrollment in the Program does not constitute the purchase of a franchise, business license, or turnkey business system. The Company provides education and coaching only. Success in building an AI agency business requires independent effort, time, resources, and skill on the part of the Participant.

Section 3 — No Guarantee of Financial Results

IMPORTANT NOTICE — AD-VISORY COACHING LLC makes absolutely no guarantee, representation, or warranty of any financial results, income, revenue, profit, or business growth of any kind.

3.1 Results Vary

Individual results from participation in the Program will vary significantly based on a wide range of factors entirely outside the Company's control, including but not limited to:

The Participant's prior experience, education, and skill level in sales and business.

The amount of time, effort, and dedication the Participant invests in implementing Program content.

The Participant's financial resources, access to capital, and willingness to invest in their business.

Market conditions, geographic location, and industry competition.

Economic conditions at local, national, or global levels.

The Participant's personal network, relationships, and ability to generate and close sales.

Consistency of action and follow-through over time.

3.2 Starting from Scratch

Many Participants who enroll in the Program may be starting an AI agency business from the ground up, with no existing client base, industry contacts, or prior business ownership experience. The Company acknowledges this reality and expressly states that it cannot and does not guarantee any specific level of business growth, revenue generation, or financial success for any Participant who starts their business from scratch or at any other stage of business development.

3.3 Participant Sole Responsibility for Financial Outcomes

You are solely and entirely responsible for your own financial results and business outcomes. The Company, its owners, officers, coaches, employees, contractors, and affiliates bear no responsibility or liability whatsoever for the financial performance of your business, any losses you may incur, or any failure to achieve desired financial outcomes.

Section 4 — Earnings Disclaimer & Testimonials

4.1 Testimonials Are Not Typical

The Company may present, share, or reference testimonials, success stories, case studies, or examples of results achieved by certain Participants ("Testimonials"). These Testimonials may describe individuals who have generated substantial revenue, significant business growth, or other noteworthy results through their own AI agency businesses.

EARNINGS DISCLAIMER — These Testimonials are provided for illustrative purposes only. They represent the experiences of specific individuals under their specific circumstances and are not typical or average results. The fact that another Participant achieved a particular result does not mean you will achieve the same or similar result.

4.2 Not Scientifically Evaluated

The results described in any Testimonials have not been independently verified, audited, or scientifically evaluated by AD-VISORY COACHING LLC. The Company does not independently verify the accuracy of income claims made by Participants who provide testimonials. Testimonials reflect the self-reported experiences of individual Participants and should not be interpreted as a representation of what you can or will earn.

4.3 Forward-Looking Statements

Any income figures, projections, or business outcome examples shared during coaching sessions, in marketing materials, on the Company's website, or within Program content are illustrative examples only. They are not projections or guarantees of your future results. Such figures are provided to demonstrate what is possible in the industry, not what is probable or guaranteed for any individual Participant.

4.4 FTC Compliance

In compliance with the Federal Trade Commission's guidelines regarding endorsements, testimonials, and income claims, the Company discloses that all testimonials shared in connection with the Program represent individual results and that typical results will vary.

Section 5 — No Refund Policy

NO REFUND POLICY — All sales are final. AD-VISORY COACHING LLC maintains a strict no-refund policy on all Program fees, coaching fees, video platform access fees, and digital assets.

5.1 Coaching & Program Fees

All fees paid for enrollment in the Program, access to one-on-one coaching, group coaching sessions, or any other coaching-related service are non-refundable under any circumstance. This includes but is not limited to:

Initial enrollment or onboarding fees.

Monthly, quarterly, or annual recurring subscription fees.

One-time program access fees.

Fees paid for individual or additional coaching sessions.

Fees paid for any upgrade, add-on, or premium tier of service.

5.2 Video Platform Access Fees

Fees associated with accessing the video training module platform — whether charged directly by the Company or through a third-party platform provider — are non-refundable. Access to digital content is granted immediately upon payment, and no refund shall be issued on the basis that content was not consumed, not found to be valuable, or did not produce desired results.

5.3 Digital Assets Are Non-Returnable

Due to the inherently non-returnable nature of digital products, all digital assets provided as part of the Program — including but not limited to downloadable templates, scripts, guides, worksheets, swipe files, and any other proprietary materials — cannot be returned and are non-refundable. Once a digital asset has been delivered or made available to a Participant, no refund shall be issued.

5.4 Chargebacks & Disputed Transactions

By agreeing to these Terms and Conditions, you acknowledge and agree that initiating a chargeback or payment dispute with your financial institution or credit card provider in an attempt to reverse fees paid to the Company constitutes a breach of this Agreement. The Company reserves the right to pursue all available legal remedies to recover disputed amounts, including collection fees and attorney's fees, in the event of a frivolous or bad-faith chargeback.

5.5 No Partial Refunds

No partial refunds or prorated credits shall be issued under any circumstances, including in the event a Participant voluntarily withdraws from the Program, is removed from the Program pursuant to Section 7 of this Agreement, or if the Program is modified or discontinued pursuant to Section 6 of this Agreement.

Section 6 — Program Duration & Right to Modify or Terminate

6.1 Program Exists at Company's Discretion

The Program shall remain in operation for such duration as the Company's owners, in their sole and absolute discretion, determine to be appropriate. AD-VISORY COACHING LLC does not guarantee that the Program will be available indefinitely or for any specific period of time.

6.2 Right to Suspend or Discontinue

The Company reserves the right to suspend, modify, restructure, or permanently discontinue the Program — in whole or in part — at any time and for any reason, including but not limited to:

Unforeseen business, financial, or operational circumstances.

Changes in market conditions or the competitive landscape.

Health, illness, or personal circumstances affecting Company leadership or coaches.

Force majeure events, including but not limited to natural disasters, pandemics, or other events beyond the Company's reasonable control.

Technical failures, platform outages, or third-party service disruptions.

Legal, regulatory, or compliance-related requirements.

Any other business decision made by the Company owners.

6.3 No Refund Upon Program Discontinuation

In the event the Program is modified, suspended, or permanently discontinued, no refunds shall be issued to any Participant, regardless of the amount paid, the time remaining in any agreed program term, or the reason for discontinuation. By enrolling in the Program, you expressly acknowledge and accept this risk as an inherent condition of your participation.

6.4 Right to Modify Content & Delivery

The Company reserves the right to modify Program content, curriculum, coaching methodologies, delivery formats, platforms, session schedules, and any other aspect of the Program at any time without prior notice or obligation to provide replacement content of equivalent scope or value.

Section 7 — Participant Conduct & Removal Policy

7.1 Expected Conduct

All Participants are expected to engage with the Program in a professional, respectful, and constructive manner at all times. By enrolling, you agree to:

Treat coaches, Company representatives, and fellow Participants with respect and professionalism.

Refrain from disruptive, abusive, harassing, threatening, or demeaning behavior in any coaching session, group call, online community, or other Program-related environment.

Not share, distribute, reproduce, or resell Program content, materials, or access credentials without express written consent from the Company.

Engage in good faith with the coaching process and Program curriculum.

Comply with all platform rules and community guidelines established by the Company or any third-party platform used to deliver the Program.

7.2 Right to Remove Participants

The Company reserves the right, in its sole and absolute discretion, to remove, suspend, or permanently ban any Participant from the Program at any time, without prior notice, if the Company determines that such Participant:

Is engaging in disruptive, abusive, threatening, harassing, or otherwise inappropriate behavior.

Is interfering with the coaching experience of other Participants.

Has violated any term of this Agreement.

Is acting in bad faith or attempting to misuse Program content or resources.

Has engaged in any conduct that the Company, in its sole judgment, deems detrimental to the Program, its participants, or the Company's reputation.

7.3 No Refund Upon Removal

In the event a Participant is removed from the Program for any reason outlined in Section 7.2, no refund of any fees paid shall be issued. Removal from the Program terminates all access rights and does not entitle the Participant to any form of compensation, credit, or reimbursement.

Section 8 — Intellectual Property

8.1 Ownership

All content, materials, video training modules, scripts, templates, worksheets, frameworks, methodologies, branding, trademarks, and any other proprietary materials created, developed, or provided by AD-VISORY COACHING LLC in connection with the Program are the exclusive intellectual property of the Company. All rights are reserved.

8.2 License to Participants

Upon enrollment and payment of applicable fees, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use Program materials solely for your own personal business development purposes. This license does not permit you to:

Share, copy, distribute, or reproduce any Program content with third parties.

Resell or sublicense any Program materials.

Use any Program content to create derivative works for commercial distribution.

Share login credentials or grant access to Program platforms to any third party.

8.3 Consequences of Infringement

Unauthorized use, distribution, or reproduction of Program content constitutes intellectual property infringement and may result in immediate removal from the Program, legal action, and pursuit of all available remedies under applicable intellectual property law.

Section 9 — Confidentiality

During the course of your participation in the Program, you may be exposed to confidential information belonging to the Company, including proprietary business methodologies, coaching frameworks, undisclosed strategies, and business information ("Confidential Information"). You agree to hold all such Confidential Information in strict confidence and not to disclose it to any third party without the prior written consent of the Company.

Additionally, in group coaching environments, you may be exposed to personal and business information shared by other Participants. You agree to treat all such information as confidential and to refrain from sharing, discussing, or disclosing information about other Participants outside of the Program environment.

Section 10 — Limitation of Liability & Disclaimer of Warranties

10.1 Disclaimer of Warranties

The Program, all coaching services, video training modules, and all associated materials and content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. The Company expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, and non-infringement.

10.2 Limitation of Liability

To the maximum extent permitted by applicable law, AD-VISORY COACHING LLC, its owners, officers, directors, employees, coaches, contractors, and affiliates shall not be liable to any Participant or any third party for any indirect, incidental, consequential, special, exemplary, or punitive damages of any kind, including but not limited to:

Loss of income, profits, or revenue.

Loss of business opportunities or clients.

Business interruption or downtime.

Loss of data or content.

Emotional distress or reputational harm.

In no event shall the Company's total aggregate liability to any Participant exceed the total amount of fees actually paid by that Participant to the Company in the three (3) months immediately preceding the event giving rise to the claim.

10.3 Assumption of Risk

By enrolling in the Program, you expressly acknowledge and assume all risks associated with starting, operating, and growing a business, including the risk of financial loss. You acknowledge that business success is not guaranteed and that you are solely responsible for the outcomes of your business decisions.

Section 11 — Indemnification

You agree to indemnify, defend, and hold harmless AD-VISORY COACHING LLC and its owners, officers, directors, employees, coaches, contractors, and affiliates from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising out of or related to:

Your participation in the Program.

Your violation of any term of this Agreement.

Your operation of your own business or business activities.

Any breach by you of applicable law or the rights of any third party.

Any content or materials you submit, share, or post within any Program-related platform or community.

Section 12 — Governing Law & Dispute Resolution

12.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State in which AD-VISORY COACHING LLC is registered, without regard to its conflict of law provisions.

12.2 Mandatory Arbitration

Any dispute, claim, or controversy arising out of or relating to this Agreement, the Program, or any aspect of the relationship between you and the Company shall be resolved exclusively through binding arbitration, rather than in court, except where prohibited by applicable law. Arbitration shall be conducted by a mutually agreed-upon arbitrator or arbitration service. You waive any right to participate in a class action lawsuit or class-wide arbitration against the Company.

12.3 Informal Resolution First

Prior to initiating formal arbitration, you agree to attempt to resolve any dispute informally by contacting the Company in writing and allowing a period of thirty (30) days for the Company to respond and attempt to reach a mutually agreeable resolution.

Section 13 — FTC Compliance & Business Opportunity Disclosure

13.1 Business Opportunity Notice

The Program offered by AD-VISORY COACHING LLC may constitute a "business opportunity" as defined under applicable federal and state regulations, including rules established by the Federal Trade Commission (FTC). In compliance with such regulations, the following disclosures are made:

No Guaranteed Income: The Company does not guarantee that Participants will earn any specific amount of money. Income potential is entirely dependent on individual effort, skills, market conditions, and other factors.

Required Effort: Building a successful AI agency business will require significant time, effort, dedication, and in many cases, additional financial investment beyond Program fees.

Risk of Loss: As with any business venture, there is a risk of financial loss. Participants should carefully evaluate their personal and financial circumstances before enrolling.

No Earnings Claims: The Company makes no earnings claims and any income figures shared in marketing materials or during coaching represent illustrative possibilities only, not guarantees or typical outcomes.

Independent Business: Any business started by a Participant as a result of this Program is wholly independent from AD-VISORY COACHING LLC. The Company has no financial interest in the success or failure of any Participant's business.

13.2 Consumer Protection

Nothing in this Agreement is intended to circumvent or waive any rights you may have under applicable consumer protection laws. If any provision of this Agreement is found to be unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and all other provisions shall remain in full force and effect.

Section 14 — General Provisions

14.1 Entire Agreement

This Agreement constitutes the entire agreement between you and AD-VISORY COACHING LLC with respect to the Program and supersedes all prior and contemporaneous agreements, representations, and understandings of any kind relating thereto.

14.2 Amendment

The Company reserves the right to amend or update these Terms and Conditions at any time. Updated terms will be posted on the Company's website or communicated to active Participants. Your continued participation in the Program following any update constitutes your acceptance of the revised terms.

14.3 Severability

If any provision of this Agreement is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions of this Agreement shall continue in full force and effect.

14.4 Waiver

The failure of the Company to enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision. Any waiver by the Company of a breach of any provision shall not be construed as a waiver of any subsequent breach.

14.5 Assignment

You may not assign or transfer your rights or obligations under this Agreement to any third party without the prior written consent of the Company. The Company may assign or transfer its rights and obligations without restriction.

14.6 Electronic Acceptance

By clicking "I Agree," completing a purchase, accessing the Program, or otherwise indicating acceptance of these terms — whether electronically, digitally, or in writing — you confirm that you have read, understood, and agreed to be bound by this Agreement in its entirety. Electronic acceptance carries the same legal weight as a handwritten signature.

Section 15 — Contact Information

If you have questions or concerns regarding these Terms and Conditions, please contact AD-VISORY COACHING LLC at:

Company Name: AD-VISORY COACHING LLC

Email: support@ad-visory.com

Mailing Address: 8360 W Sahara Ave. Ste. 235 Las Vegas, NV 89117

Website: https://ad-visory.com

Legal Notice: These Terms and Conditions have been prepared for general business use and informational purposes. AD-VISORY COACHING LLC recommends consulting with a licensed attorney in your jurisdiction to ensure this Agreement is fully compliant with all applicable federal, state, and local laws, including FTC business opportunity disclosure rules and any state-specific business opportunity statutes, before putting it into effect.

© 2026 AD-VISORY COACHING LLC. All Rights Reserved.

Last Updated:February 2, 2026