TERMS OF SERVICE

Last Updated: August 16, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website https://www.beginnertoinvestor.com, along with any courses, communities, memberships, newsletters, communications, and related services (collectively, the "Services") provided by Beginner To Investor LLC ("Company," "we," "us," or "our").

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

2. Description of Services

Beginner To Investor LLC provides educational content and resources about personal finance, saving, and long-term investing concepts, delivered through online courses, community access, written materials, videos, and communications. Our Services are intended for general educational and informational purposes only.

3. Not Financial, Investment, Legal, or Tax Advice

The Services are strictly educational. Beginner To Investor LLC is not a registered investment adviser, broker-dealer, financial planner, or tax or legal professional, and nothing we provide constitutes financial, investment, legal, or tax advice.

• We do not recommend specific securities, provide personalized investment advice, or manage anyone's money.

• All content reflects general educational information and personal opinions, not a recommendation to buy, sell, or hold any security or asset.

• You are solely responsible for your own financial decisions. Before acting on any information, you should consult a licensed financial professional who can consider your individual circumstances.

4. No Guarantee of Results

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. We make no guarantee or representation that you will achieve any particular financial result, return, income, or outcome from using the Services. Any examples of results are illustrative only and are not a promise of your results.

5. Eligibility and Accounts

You must be at least 18 years old to use the Services. If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to provide accurate information and to keep it current.

6. Purchases, Payments, and Refunds

Certain Services are offered for a fee. By purchasing, you agree to pay all applicable charges. Prices and offerings may change at any time.

Refund Policy: [We offer a 14-day refund from the date of purchase, provided you have completed no more than 20% of the course content. To request a refund, email [email protected] within 14 days with your order details. Refunds are not available after 14 days, after 20% completion, or for any one-on-one sessions or coaching that have already been delivered.]

7. Communications Consent

By providing your email address or phone number, you consent to receive communications from us, including transactional and (where you opt in) promotional messages by email and SMS. Message and data rates may apply; message frequency may vary. You may opt out of SMS at any time by replying STOP, and manage email preferences via the unsubscribe link. See our Privacy Policy for details on how we handle your information.

8. Intellectual Property

All content provided through the Services, including courses, videos, text, graphics, logos, and materials, is owned by or licensed to Beginner To Investor LLC and is protected by intellectual property laws. You are granted a limited, personal, non-transferable license to access purchased content for your own use. You may not copy, redistribute, resell, share login access, or create derivative works without our written permission.

9. Acceptable Use

You agree not to:

• Use the Services for any unlawful purpose

• Share, resell, or distribute paid content or account access

• Attempt to disrupt, hack, or reverse-engineer the Services

• Harass other members or staff, or post unlawful or abusive content in any community

We may suspend or terminate access for violations, without refund.

10. Third-Party Links and Tools

The Services may reference or link to third-party websites, products, or tools. We are not responsible for third-party content, and any interaction with third parties is solely between you and them.

11. Disclaimer of Warranties

The Services are provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

12. Limitation of Liability

To the maximum extent permitted by law, Beginner To Investor LLC and its owner shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any financial losses or lost profits, arising out of or related to your use of the Services or any decisions you make based on our content. Our total liability for any claim shall not exceed the amount you paid us for the Services in the twelve (12) months preceding the claim.

13. Indemnification

You agree to indemnify and hold harmless Beginner To Investor LLC and its owner from any claims, damages, or expenses arising from your use of the Services or your violation of these Terms.

14. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. Any disputes shall be resolved in the state or federal courts located in Texas.

15. Changes to These Terms

We may update these Terms at any time. Continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

16. Contact Information

Beginner To Investor LLC

Attn: Ron Dalal

5900 Balcones Drive, Suite 100, Austin, TX 78731

Phone: 754-336-2286

Email: [email protected]