TERMS OF SERVICE AGREEMENT

Effective Date: 06/18/2026

The websites located at www.justindonald.com and www.lifestyleinvestor.com, the Justin AI conversational tool located at ai.lifestyleinvestor.com, the Lifestyle Investor podcast, books, courses, mastermind, member programs, and all associated services, features, software, and content (collectively, the “Services” or the “Platform”) are owned and operated by Lifestyle Investor, LLC (“Lifestyle Investor,” “we,” “us,” or “our”), a Texas limited liability company with its principal place of business in Austin, Texas. Lifestyle Investor has adopted this Terms of Service Agreement (“Agreement”) to inform you (“User(s)”) of your rights and obligations when accessing or using the Services. If you do not agree with any part of this Agreement, you are expressly prohibited from using the Services and must discontinue use immediately.

PLEASE READ THIS AGREEMENT CAREFULLY. BY ACCESSING OR USING THE SERVICES IN ANY WAY, INCLUDING BY CREATING AN ACCOUNT, PURCHASING A SUBSCRIPTION, ACCESSING JUSTIN AI, BROWSING THE WEBSITES, OR OTHERWISE INTERACTING WITH THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS AGREEMENT AND OUR PRIVACY POLICY, WHICH IS INCORPORATED HEREIN BY REFERENCE. THIS AGREEMENT CONTAINS A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM CAREFULLY.

Lifestyle Investor may, from time to time and in its sole and absolute discretion, modify, update, or replace this Agreement. Subject to applicable law, in the event of any such modification, the Effective Date above will be updated. Your continued use of the Services after the Effective Date of any modification constitutes your acceptance of the revised Agreement. If you do not agree to the modified terms, you must discontinue use of the Services. Where required by applicable law, we will provide notice of material changes by email or by prominent notice on the Platform.

Definitions

As used in this Agreement:

“Account” means a Registered User’s account with the Services.
“AI Features” means any feature of the Services that uses artificial intelligence, machine learning, or other automated systems, including without limitation Justin AI.
“Educational Content” means books, podcasts, videos, articles, courses, written materials, and other content authored by or attributed to Justin Donald or Lifestyle Investor and made available through the Services.
“Justin AI” means the artificial-intelligence conversational tool made available at ai.lifestyleinvestor.com, which generates responses based on Educational Content using a third-party AI platform.
“Inputs” means prompts, queries, files, messages, and other information submitted by you to Justin AI or any other AI Feature.
“Outputs” means text, summaries, responses, or other content generated by Justin AI or any other AI Feature in response to Inputs.
“Registered User(s)” means Users who have created an Account.
“Services” means the websites, applications, platforms, Justin AI, Educational Content, subscriptions, courses, mastermind access, events, and any associated services, software, features, or content made available by Lifestyle Investor.
“User(s)” means all individuals who visit or access the Services, including Registered Users.
“You / Your” refers to the individual User or entity accessing or using the Services.
“Program” means the SMS or MMS text-message program that Lifestyle Investor may make available, as further described in the SMS / MMS Mobile Messaging Program Terms.
“Beta Services” means features or versions of the Services that Lifestyle Investor classifies as beta, alpha, early-access, experimental, or pre-release, including without limitation early or experimental versions of Justin AI.

About the Services

Lifestyle Investor is an educational brand founded by Justin Donald that publishes content, hosts a podcast, offers courses and a paid mastermind community, and makes available Justin AI, an artificial-intelligence conversational tool built on a third-party AI platform and trained on Lifestyle Investor’s publicly available Educational Content. The Services are designed to provide general financial, investing, and lifestyle education to a broad consumer audience.

The Services, including all Educational Content and all Outputs of Justin AI, are provided for general informational and educational purposes only. Nothing made available through the Services is intended as, and shall not be construed as, personalized investment, financial, tax, accounting, legal, or other professional advice. Any decision you make based on any content obtained through the Services, including any Output of Justin AI, is made at your sole discretion and risk.

Artificial Intelligence Features; Justin AI

Justin AI is a generative artificial-intelligence educational tool and conversational coaching assistant. It is hosted and operated by Steno, a third-party AI platform that applies a proprietary orchestration layer over a leading third-party large language model. Justin AI generates text-based Outputs automatically in response to Inputs and has been configured to draw on Lifestyle Investor’s publicly available Educational Content, including Justin Donald’s book, podcast episodes, newsletters, and other published teaching materials. Justin AI is software. Justin AI is not Justin Donald, does not speak on his behalf, and does not reflect the current views, opinions, recommendations, or actions of Justin Donald or Lifestyle Investor. Justin AI is intended to provide general financial education, prompt further exploration, and point Users to additional resources; it is not intended to replace consultation with a qualified licensed professional, and Outputs are not a substitute for personalized advice from a certified public accountant, attorney, licensed investment adviser, or other qualified professional.

You acknowledge and agree that: (a) Outputs are produced by software based on statistical patterns and may contain errors, inaccuracies, omissions, outdated information, fabricated citations, misstatements of fact, or misinterpretations of Educational Content, commonly referred to as “hallucinations”; (b) Outputs do not constitute personalized advice of any kind and do not establish any advisory, fiduciary, attorney-client, accountant-client, broker-dealer, or similar relationship between you and Lifestyle Investor or Justin Donald; (c) Outputs may not reflect current law, regulations, market conditions, tax treatment, or Justin Donald’s current views, investment positions, or practices; (d) Outputs are not specific to your individual facts, circumstances, financial condition, risk tolerance, investment objectives, tax situation, or investment horizon; and (e) Outputs are not recommendations to buy, sell, hold, or transact in any security, asset, investment vehicle, business interest, or financial product.

You are solely responsible for independently verifying, evaluating, and confirming the accuracy, completeness, suitability, legality, and compliance of any Output before relying on or acting upon it. Before making any investment, financial, tax, legal, or other material decision, you should consult a qualified licensed professional who can evaluate your specific facts and circumstances. Your use of Justin AI and any other AI Feature is at your sole risk.

Lifestyle Investor does not guarantee the availability, uptime, accuracy, or performance of Justin AI or any other AI Feature and reserves the right to modify, suspend, restrict, discontinue, or replace any AI Feature at any time, in whole or in part, without notice or liability. Justin AI is provided through a third-party AI platform, and Lifestyle Investor is not responsible for the operation, security, data handling, uptime, or errors of that third-party platform. Your use of Justin AI is additionally subject to the applicable terms, policies, and restrictions of that third-party platform.

You shall not use Justin AI or any Output to (i) provide investment, financial, legal, tax, or other professional advice to any third party; (ii) hold yourself out as affiliated with, endorsed by, or licensed by Justin Donald or Lifestyle Investor; (iii) train, fine-tune, benchmark, or evaluate any other artificial-intelligence or machine-learning model; (iv) generate content for resale, syndication, or commercial distribution; or (v) engage in any regulated financial activity. Lifestyle Investor reserves the right to monitor, log, review, and audit Inputs and Outputs for compliance, safety, quality assurance, and abuse prevention purposes.

No Investment, Financial, Tax, Legal, or Professional Advice

Neither Lifestyle Investor nor Justin Donald is registered as an investment adviser with the U.S. Securities and Exchange Commission or any state securities regulator under the Investment Advisers Act of 1940 or any state securities or investment-advisory law. Lifestyle Investor is not a broker-dealer, not a registered representative, not a bank, not a trust company, not a commodity trading advisor, not a money services business, not a certified public accountant, not a tax return preparer, and not a law firm, and Justin Donald is not acting in any such capacity in connection with the Services.

No content made available through the Services, including any Output of Justin AI, any content on the websites, any podcast episode, any newsletter, any book, any course, any mastermind communication, and any testimonial, case study, or investment example, constitutes an offer to sell, a solicitation of an offer to buy, a recommendation to buy, sell, or hold, or advice regarding any security, asset, investment vehicle, commodity, insurance product, business interest, or other financial product. The Services are not a substitute for engagement with a registered investment adviser, broker-dealer, certified financial planner, attorney, accountant, insurance professional, or other licensed professional, and no such engagement or advisory relationship is created or intended through your use of the Services.

All investment and business activities involve substantial risk, including the risk of total loss of principal and the risk of incurring additional liabilities. The strategies, deal structures, asset classes, and opportunities discussed through the Services may not be appropriate for your financial condition, risk tolerance, income needs, liquidity needs, time horizon, tax situation, or regulatory status. Many investments referenced through the Services, including private placements, real estate syndications, operating businesses, and alternative assets, are illiquid, are not registered under federal or state securities laws, are limited to accredited investors or qualified purchasers, involve material conflicts of interest, and carry substantial risk of loss.

Testimonials, Case Studies, Results, and Performance

Testimonials, endorsements, case studies, income claims, investment outcomes, and results described through the Services reflect the experiences of specific individuals and are not representative, typical, or guaranteed. There is no assurance that you will achieve similar results, and your results may differ materially. Past performance of any investment, strategy, person, fund, sponsor, or asset class is not a guarantee, prediction, or indication of future results. Any forward-looking statements, projections, illustrations, or hypothetical results made available through the Services are illustrative only, are based on assumptions that may not materialize, and may differ materially from actual results. You alone bear full responsibility for any investment, business, tax, legal, or other decision you make, including any decision based on content obtained through the Services or any Output of Justin AI.

Participation and Compensation Disclosures

Certain content made available through the Services, including podcasts, newsletters, reports, mastermind communications, the Lifestyle Investor book, courses, and Outputs of Justin AI, may reference specific companies, sponsors, funds, operators, deals, or investment opportunities. Information regarding any such company, sponsor, fund, operator, deal, or opportunity is based on Lifestyle Investor’s own research and opinions and on representations made by the applicable company or its management. Lifestyle Investor believes the information presented to be true and accurate at the time of publication but does not guarantee the accuracy of every statement and does not guarantee that the information will not change in the future. You should independently research and verify any information you rely upon before making any investment, tax, or other decision.

Employees, officers, and directors of Lifestyle Investor, including Justin Donald, may participate in any investment, deal, or opportunity described through the Services when legally permissible, and where they do so they participate on the same investment terms as Lifestyle Investor subscribers and members. Employees, officers, and directors of Lifestyle Investor do not receive financial compensation, finders’ fees, placement fees, carried interest, or other monetary consideration from companies, sponsors, funds, operators, or issuers that appear in Lifestyle Investor reports, podcasts, newsletters, or other Services content. Lifestyle Investor may nonetheless receive compensation from subscribers, members, and customers for access to the Services, and Lifestyle Investor may have existing or future business relationships with persons or entities referenced through the Services.

No content made available through the Services, including any communication by Justin Donald, any Output of Justin AI, any podcast episode, any newsletter, any report, any email, any book excerpt, any course module, any mastermind communication, or any post on the website, constitutes a recommendation to enter into any securities transaction, an offer to sell securities, or a solicitation of an offer to buy securities. Any offer or sale of securities will be made only pursuant to definitive offering documentation provided by the applicable issuer and in compliance with applicable law.

Warranties and Representations

By accessing or using the Services, you represent, warrant, and agree to the following:

You have the legal right and capacity to enter into this Agreement and to comply with its terms. You are a human individual who is at least eighteen (18) years of age. You are not prohibited from entering into this Agreement by any applicable law or any pre-existing agreement.

All information you submit to the Services is, to the best of your knowledge, current, accurate, and complete, and you will promptly update such information if it becomes outdated or incorrect. The submission of false, misleading, or incomplete information may result in suspension or termination of your access to the Services.

You will use the Services only in accordance with all applicable local, state, national, and international laws, rules, and regulations, including those relating to intellectual property, privacy, data protection, consumer protection, anti-money laundering, sanctions compliance, and federal and state securities laws. You will not use the Services or any Output to engage in any activity that requires registration, licensure, or other regulatory qualification that you do not hold, including but not limited to acting as or holding yourself out as an investment adviser, broker-dealer, certified financial planner, insurance producer, attorney, or accountant.

You acknowledge that the Services are operated within the United States and are not intended for access or use from jurisdictions where such access or use is unlawful. You are solely responsible for determining whether your use of the Services is lawful in your jurisdiction. If you access the Services from outside the United States, you consent to the transfer, storage, and processing of your data in the United States.

You represent that you are not a resident of, or otherwise accessing the Services from, any jurisdiction subject to comprehensive U.S. trade sanctions or export restrictions, including but not limited to Cuba, Iran, North Korea, Syria, the Crimea, Donetsk, or Luhansk regions of Ukraine, or any other jurisdiction identified by the U.S. Office of Foreign Assets Control (OFAC) from time to time. You also represent that you are not listed on any U.S. government list of prohibited or restricted parties, such as the Specially Designated Nationals and Blocked Persons List (SDN List), and are not using the Services for the benefit of any such person or entity.

You will use the Services in good faith and in a manner consistent with their intended purpose. You will not attempt to undermine, circumvent, or exploit the Services’ functionality, content-filtering systems, or technical safeguards.

Lifestyle Investor reserves the right, but not the obligation, to monitor the Services for violations of this Agreement, to take appropriate legal action, including reporting Users to law enforcement authorities, and to otherwise manage the Services in a manner designed to protect Lifestyle Investor’s rights and property and to facilitate the proper functioning of the Services.

Accounts

Account Creation

To access certain features of the Services, including Justin AI and any paid subscription, you may be required to register an Account using a valid email address or other authentication method. You represent that all information you provide during registration is accurate, current, and complete, and you agree to maintain and promptly update such information. Lifestyle Investor reserves the right to suspend or terminate any Account containing false or misleading information.

Account Security

You are solely responsible for maintaining the confidentiality and security of your Account credentials. You shall not share your password or login credentials with any third party. You accept full responsibility for all activity that occurs under your Account, whether or not authorized by you. You must immediately notify Lifestyle Investor of any unauthorized access to or use of your Account. Lifestyle Investor is not liable for any acts or omissions under your Account, including as a result of any compromise of your credentials.

Account Suspension and Termination

Lifestyle Investor reserves the right, in its sole discretion and without prior notice or liability, to suspend, restrict, or permanently terminate your Account for any reason, including (a) violation of any provision of this Agreement; (b) submission of false, misleading, or fraudulent information; (c) age ineligibility; (d) misuse of Justin AI or any other AI Feature; (e) abuse, harassment, or threatening conduct directed at Lifestyle Investor personnel, contractors, or other Users; or (f) any conduct that Lifestyle Investor determines, in its reasonable judgment, is harmful to the Services, other Users, or third parties. If your Account is terminated, you are permanently prohibited from registering a new Account under your name, a fake or borrowed name, or the name of any third party, without Lifestyle Investor’s prior written consent.

Account Cancellation

Registered Users may cancel their Account by contacting Lifestyle Investor at support@lifestyleinvestor.com or through the Account settings where available. Cancellation does not entitle you to any refund of fees paid except as expressly provided in this Agreement or any applicable subscription terms. Lifestyle Investor is under no obligation to preserve Account data or Inputs or Outputs following cancellation and will not be responsible for any loss of data. You are encouraged to maintain your own backups of any content you submit or generate through the Services.

Minimum Age; Children’s Privacy

The Services are intended for use by adults. You must be at least eighteen (18) years of age to create an Account or use the Services. Lifestyle Investor does not knowingly permit individuals under the age of eighteen (18) to use the Services. If Lifestyle Investor inadvertently collects personally identifiable information from a person under the age of eighteen, it will be deleted in accordance with applicable law and our Privacy Policy.

Beta Services; Maintenance

Lifestyle Investor may, from time to time, offer access to features or versions of the Services that are classified as beta (“Beta Services”), including without limitation early or experimental versions of Justin AI. Lifestyle Investor makes no representations that any Beta Services will ever be made generally available and reserves the right to discontinue or modify any Beta Services at any time without notice. Beta Services are provided “AS IS” and may contain bugs, errors, or other defects. Your use of Beta Services is at your sole risk.

Lifestyle Investor will make commercially reasonable efforts to maintain access to the Services, but may suspend, restrict, or disable access to the Services or any part thereof at any time and without notice, including for maintenance, updates, security patches, or events beyond its control. Lifestyle Investor makes no guarantees regarding the availability, uptime, or uninterrupted access to the Services and shall not be liable for any loss, damage, or inconvenience suffered as a result of any downtime, delay, or unavailability.

Ownership of Services and License

Proprietary Rights

You acknowledge and agree that Lifestyle Investor is the sole and exclusive owner of, or otherwise possesses valid rights in and to, the Services and all elements thereof, including the Educational Content, the codebase and software architecture of the Platform, APIs, documentation, interfaces, text, design, artwork, graphics, audio, video, metadata schemas, look and feel, layout, trade dress, and branding. The Services are protected by U.S. and international laws, including those relating to copyright, trademark, trade secret, and other intellectual property rights. You are expressly prohibited from using the Services for any purposes not explicitly stated in this Agreement. Except as expressly permitted herein, you may not frame, scrape, aggregate, hack, reverse engineer, crawl, reproduce, prepare derivative works of, distribute, perform publicly, or display publicly the Services or Educational Content, in whole or in part, without the prior written consent of Lifestyle Investor.

License to Users

Lifestyle Investor hereby grants you a limited, non-exclusive, non-sublicensable, non-transferable, revocable, royalty-free license to access and use the Services for their customary and intended educational and personal purposes, in accordance with this Agreement. This license does not include the right to: (a) resell or commercially exploit the Services, Educational Content, or any Output; (b) create derivative works of the Services or Educational Content; (c) use data mining, robots, scrapers, or similar extraction tools; (d) reverse engineer, decompile, or disassemble any portion of the Services; (e) use the Services for benchmarking, competitive intelligence, or to develop any competing product or service; (f) use the Services, Educational Content, or any Output to train, fine-tune, or evaluate any artificial-intelligence or machine-learning model; or (g) use the Services for any purpose not expressly authorized herein. All rights not expressly granted are reserved to Lifestyle Investor.

Intellectual Property; Trademarks

All trademarks (common law or registered), copyrights (common law or registered), and proprietary rights in and to the Services are the property of Lifestyle Investor. Lifestyle Investor’s marks include, but are not limited to, LIFESTYLE INVESTOR, THE LIFESTYLE INVESTOR, JUSTIN AI, and associated logos and trade dress. All photographs, audio, and video featured on the Services are copyrighted and owned by Lifestyle Investor or its licensors, unless otherwise stated. The look and feel, color selections, layout, and arrangement of the Services constitute the trade dress of Lifestyle Investor. You are prohibited from using Lifestyle Investor’s trademarks, service marks, trade dress, or any colorable imitation thereof, including as keyword advertising terms, without prior written consent of Lifestyle Investor.

Website Use and Your Responsibilities

You may use the Services only as expressly permitted under this Agreement and solely for their intended purpose. The Services are provided “AS IS” and “AS AVAILABLE,” and may be updated, modified, suspended, or discontinued at any time, in whole or in part, without notice and without liability. The Services may contain errors, bugs, or other defects, and your use of the Services is entirely at your own risk. You are solely responsible for your use of the Services and shall comply with all applicable laws.

When contacting Lifestyle Investor or creating an Account through the Services, you agree to receive email notifications from Lifestyle Investor and other third parties as described in our Privacy Policy. Marketing email notifications contain an unsubscribe feature. Lifestyle Investor does not endorse you or discriminate based upon any information provided by you or made available through the Services.

You have a continuing duty to ensure that the information provided through the Services and within your Account is truthful, current, complete, and accurate. You are expressly prohibited from providing information that impersonates another person, contains offensive or obscene language, or otherwise violates the rights of a third party. You will not interfere with or disrupt a third party’s enjoyment and use of the Services. Lifestyle Investor reserves the right to restrict access to, monitor, suspend, disable, or delete User information at any time, in its sole discretion, and without prior warning.

User Submissions

The Services allow you to submit Inputs to Justin AI and may, from time to time, allow you to submit other content, including questions, comments, testimonials, feedback, or files (collectively with Inputs, “User Submissions”).

Ownership; License Grant

As between you and Lifestyle Investor, you retain all rights you have in your User Submissions. By submitting User Submissions, you grant Lifestyle Investor a non-exclusive, irrevocable, royalty-free, worldwide, perpetual, sublicensable license to host, store, use, reproduce, prepare derivative works of, distribute, display, modify, analyze, and otherwise exploit the User Submissions for the purposes of operating, providing, securing, maintaining, and improving the Services, including training and improving Justin AI and other AI Features, monitoring for misuse, complying with legal obligations, and otherwise as set forth in the Privacy Policy. You expressly acknowledge that Lifestyle Investor does not guarantee any confidentiality with respect to User Submissions, and you should not submit any sensitive personal information, confidential business information, trade secrets, health information, financial account numbers, government identifiers, or any material subject to non-disclosure obligations as part of any User Submission.

Your Representations and Warranties

You represent and warrant that: (a) you own or have all necessary rights, licenses, and permissions to submit User Submissions and to grant the license set forth above; (b) your User Submissions do not infringe upon the intellectual property rights, privacy rights, or other rights of any third party; (c) your User Submissions do not contain material that is false, misleading, defamatory, obscene, harassing, threatening, unlawful, or in violation of any applicable law; (d) your User Submissions comply in all respects with this Agreement and all applicable laws; and (e) you have obtained all necessary consents from any third party depicted or identified in your User Submissions. Any feedback, suggestions, ideas, or other submissions you provide to Lifestyle Investor regarding the Services shall be deemed non-confidential and become the exclusive property of Lifestyle Investor, and you hereby assign all rights in such submissions to Lifestyle Investor and waive any moral rights therein.

Moderation; Removal Rights

Lifestyle Investor has no obligation to monitor, review, or pre-screen any User Submission but reserves the right, in its sole discretion, to remove, edit, block, or refuse any User Submission at any time and for any reason, including upon receipt of a complaint of infringement or violation of this Agreement. Lifestyle Investor reserves the right to terminate a User’s access to the Services for repeated infringement of the rights of third parties or otherwise violating this Agreement, or for no reason, and without prior notice.

Electronic Communications

Visiting the Services or contacting Lifestyle Investor through the Services shall constitute electronic communications. You consent to receive electronic communications from Lifestyle Investor, including via email, push notification, in-app message, or other electronic means. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. YOU HEREBY WAIVE ANY RIGHTS OR REQUIREMENTS UNDER ANY STATUTES, REGULATIONS, RULES, ORDINANCES, OR OTHER LAWS IN ANY JURISDICTION THAT REQUIRE AN ORIGINAL SIGNATURE OR DELIVERY OR RETENTION OF NON-ELECTRONIC RECORDS, OR TO PAYMENTS OR THE GRANTING OF CREDITS BY ANY MEANS OTHER THAN ELECTRONIC MEANS. YOUR CONSENT TO ELECTRONIC COMMUNICATIONS IS A CONDITION OF USING THE SERVICES.

Pricing and Payments

Pricing and Subscriptions

Certain Services, including Justin AI access, mastermind participation, and courses, are offered on a paid or subscription basis. Prices for any Services are subject to change at any time without notice. Lifestyle Investor reserves the right to revise, suspend, or discontinue any aspect of its Services, including pricing, at any time, in its sole discretion. We shall not be liable to you or to any third party for any such modification, suspension, price change, or discontinuation. If any Service is listed at an incorrect price due to typographical error or technical malfunction, Lifestyle Investor reserves the right to cancel or refuse any associated transaction, even if the order has been confirmed and payment has been processed. All pricing is listed in U.S. Dollars (USD) unless otherwise indicated. Certain features of the Services may operate on a credit-, token-, or usage-based system, as disclosed at the time of purchase. Refunds of fees paid for books, courses, and other Services are governed by the Lifestyle Investor Return & Refund Policy, available at https://lifestyleinvestor.com/return-refund-policy/, which is incorporated into this Agreement by reference. Except as expressly provided in the Return & Refund Policy or required by applicable law, fees are non-refundable.

Recurring Billing; Cancellation

Lifestyle Investor offers Justin AI access and certain other Services on a recurring monthly subscription basis with automatic renewal. By subscribing, you authorize Lifestyle Investor (and its designated payment processor, Stripe) to charge the payment method on file at the beginning of each monthly billing cycle for the then-current subscription fee, until you cancel. Your subscription will automatically renew each month for successive monthly terms at the then-current rate, unless you cancel before the next renewal date. The recurring charge amount, billing frequency, and any introductory or promotional pricing will be disclosed to you at the time of purchase. You may cancel your subscription at any time through your Account settings or by contacting Lifestyle Investor at support@lifestyleinvestor.com. Cancellation will take effect at the end of the then-current billing period, and you will continue to have access to the applicable Service until the end of that period. Refunds, if any, are governed by the Lifestyle Investor Return & Refund Policy.

California Subscribers — Automatic Renewal Disclosures

If you are a California resident, the following disclosures apply to your subscription, in addition to the foregoing terms, in compliance with the California Automatic Renewal Law, California Business and Professions Code Section 17600 et seq.:

Your subscription will automatically renew at the end of each monthly billing cycle until you cancel.
You will be charged the then-current monthly subscription fee at each renewal, plus any applicable taxes and fees, using the payment method on file. The renewal price may change from the price you initially paid; you will be notified of any material change to the recurring charge before such change takes effect.
Your subscription will continue to renew until you cancel. There is no cancellation fee.
You may cancel at any time before the next billing cycle through your Account settings or by contacting Lifestyle Investor at support@lifestyleinvestor.com. Cancellation takes effect at the end of the then-current billing period.
If your subscription includes a free trial, paid trial, or discounted introductory period, your payment method will be charged the standard recurring rate at the end of that trial or introductory period unless you cancel before it ends.
Lifestyle Investor will send a renewal reminder or confirmation by email when required by California law and will provide notice of any material change to the subscription terms before the change takes effect.

If you reside outside California, the auto-renewal terms above apply to your subscription, and Lifestyle Investor will comply with the auto-renewal disclosure requirements of your state of residence to the extent applicable.

Payment Processing

By submitting payment through the Services, you agree to the applicable pricing and billing terms presented at checkout. You represent and warrant that: (a) all payment information you provide is current, accurate, and complete; (b) all charges incurred by you will be honored by your payment provider; (c) you will pay all amounts due, including any applicable taxes or transaction fees; and (d) you are authorized to use the payment method submitted. Lifestyle Investor uses Stripe as its third-party payment processor to facilitate transactions. By submitting payment, you agree to Stripe’s separate terms of service and privacy policy. Lifestyle Investor does not directly store your full payment card information. You are solely responsible for paying any applicable taxes, duties, or other fees.

Prohibited Uses

You expressly agree that you will not use the Services to violate any law, statute, ordinance, regulation, or treaty, to violate the rights of third parties, or for any use outside the customary and intended purposes of the Services. Specifically, you are prohibited from:

Posting or transmitting content that infringes upon the intellectual property rights of others, including content that belongs to another person;
Using the name, image, or likeness of any individual, including Justin Donald, without express consent;
Disclosing confidential information obtained through use of the Services, including mastermind communications;
Disparaging, tarnishing, or personally attacking other Users or Lifestyle Investor personnel;
Posting or transmitting content that threatens or encourages bodily harm or destruction of property, or that is defamatory, derogatory, pornographic, obscene, harassing, stalking, or discriminatory on the basis of race, ethnicity, religion, sexual orientation, disability, or any other protected characteristic;
Inciting any illegal activity, unlawful sexual solicitation, or fraudulent scheme;
Impersonating another person or entity, or making statements that are false, misleading, or fraudulent;
Sending unwanted commercial solicitations, phishing attempts, pyramid schemes, or chain letters;
Collecting personal or personally identifiable information from other Users;
Selling, transferring, or sublicensing your Account or any rights under this Agreement;
Using automated tools, bots, scripts, scrapers, spiders, crawlers, or other non-human means to access, interact with, or extract content from the Services, except for standard RSS feeds;
Attempting to circumvent, disable, or interfere with any security, access control, authentication, rate-limiting, or content-filtering feature of the Services, including any filters or safety guardrails applied to Justin AI;
Imposing a disproportionate or unreasonable load on the Services’ infrastructure;
Reverse engineering, decompiling, disassembling, or otherwise attempting to derive the source code, model weights, prompts, system messages, or underlying structure of any AI Feature or any other portion of the Services;
Framing, mirroring, or embedding the Services within any other website or application without prior written consent;
Using the Services for benchmarking, competitive intelligence, or to develop any product or service that competes with the Services;
Using the Services, the Educational Content, Inputs, or Outputs to train, fine-tune, or evaluate any artificial-intelligence or machine-learning model;
Using Outputs or Educational Content to provide, offer, or hold yourself out as providing investment, financial, legal, tax, or other professional advice to any third party;
Using Outputs or Educational Content in connection with any regulated financial activity for which you are not duly registered, licensed, or qualified;
Attempting to access another User’s Account or any non-public portion of the Services;
Using the Services or their content for any revenue-generating or commercial purpose unless expressly authorized;
Uploading or transmitting spyware, viruses, malware, web bugs, passive data collection tools, or other harmful or disruptive code;
Harassing, intimidating, or threatening Lifestyle Investor personnel, contractors, or other Users;
Acquiring user information for the purposes of sending unsolicited correspondence or spam;
Suggesting or implying an affiliation with or endorsement by Lifestyle Investor or Justin Donald that does not exist; or
Circumventing Lifestyle Investor’s technological or physical security measures.

If you encounter content or witness behavior that you believe violates this Agreement, you may report it to Lifestyle Investor at support@lifestyleinvestor.com.

Copyright Policy and DMCA

The Services and all Lifestyle Investor-owned content are © 2026 Lifestyle Investor, LLC. All rights reserved. Lifestyle Investor respects the intellectual property rights of others and expects Users to do the same. Unless otherwise stated, the Services and all content therein are the property of Lifestyle Investor and are protected by copyright and other intellectual property laws.

If you believe that content accessible through the Services infringes your copyright, you may submit a notice of copyright infringement in compliance with 17 U.S.C. § 512 of the Digital Millennium Copyright Act. Upon receipt of a compliant notice, Lifestyle Investor will act with commercial reasonableness to remove or disable access to the allegedly infringing content and will make a good faith attempt to notify the owner or uploader, who may submit a counter-notification. Notices submitted with material misrepresentations may result in liability for damages under federal law.

A notice of copyright infringement must be compliant with 17 U.S.C. § 512 and contain: (a) the physical or electronic signature of a person authorized to act on behalf of the copyright owner; (b) identification of the copyrighted work(s) alleged to have been infringed; (c) the location of the allegedly infringing content on the Services; (d) your contact information; (e) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.

A counter-notification must contain: (a) identification of the specific materials that have been removed; (b) your contact information; (c) a statement, under penalty of perjury, that you have a good-faith belief that the content was removed as a result of mistake or misidentification; (d) a statement that you consent to the jurisdiction of the federal district court in which your address is located or, if outside the U.S., the federal courts located in Texas; (e) a statement that you will accept service of process from the notifying party; and (f) your physical or electronic signature.

Notices of copyright infringement and counter-notifications may be submitted to our DMCA Designated Agent:

Lifestyle Investor Copyright Agent
Traverse Legal, PLC
810 Cottageview Drive, Unit G-20
Traverse City, MI 49684
Telephone: 231-932-0411
Email: dmcaagent@traverselegal.com
With a copy emailed to: support@lifestyleinvestor.com

Lifestyle Investor will terminate the Accounts of Users who are determined to be repeat copyright infringers, in accordance with 17 U.S.C. § 512(i).

Mobile Devices

The Services are accessible via mobile device. To the extent you access the Services through a mobile device, your wireless carrier’s standard charges, rates, and fees may apply. Lifestyle Investor is not responsible for any data usage, roaming charges, or mobile-related fees or errors that occur while accessing the Services via mobile device.

SMS / MMS Mobile Messaging Program Terms

Lifestyle Investor may, now or in the future, offer an SMS or MMS text-message program (the “Program”). If and when the Program is available and you affirmatively opt in, the following terms apply to your participation in the Program. These terms are part of this Agreement.

Consent to Participate

If you choose to participate in the Program, you may opt in by submitting your mobile phone number through a Lifestyle Investor opt-in form, by texting a designated keyword to the Program short code or long code, during account creation or checkout where offered, or by another opt-in method made available by Lifestyle Investor. By opting in, you expressly consent to receive marketing, transactional, account, and informational text messages from Lifestyle Investor and its service providers at the mobile phone number provided, including messages sent using automated or prerecorded systems. You confirm that: (a) you are the subscriber or customary user of the mobile device associated with the phone number provided; (b) you are at least eighteen (18) years of age; and (c) your consent is not a condition of any purchase. CONSENT TO RECEIVE TEXT MESSAGES IS NOT REQUIRED AS A CONDITION TO PURCHASE ANY GOODS OR SERVICES FROM LIFESTYLE INVESTOR.

Message and Data Rates; Frequency

Standard message and data rates may apply to all text messages sent and received. Message frequency varies based on your interaction with Lifestyle Investor. Additional messages may be sent from time to time based on your activity and preferences.

Opt-Out

You may opt out of the Program at any time by texting “STOP” or “UNSUBSCRIBE” to the Program number from which you received messages. You will receive one final confirmation message acknowledging your opt-out, after which no further Program messages will be sent to you unless you opt back in. Texting “STOP” or “UNSUBSCRIBE” is the primary method of opting out. Alternative spellings or variations may not be recognized. For assistance, text “HELP” to the Program number or email support@lifestyleinvestor.com.

Program Operational Details

Lifestyle Investor will publish the Program short code or long code, expected message frequency, and applicable keywords (such as STOP, HELP, and any opt-in keywords) at the time the Program is made available. The Program number, applicable keywords, and expected message frequency will be posted at https://lifestyleinvestor.com and disclosed at the point of opt-in once the Program is launched.

Disclaimer; Service Availability

THE PROGRAM IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. LIFESTYLE INVESTOR IS NOT LIABLE FOR DELAYS OR FAILURES IN THE RECEIPT OF ANY TEXT MESSAGE. MESSAGE DELIVERY IS SUBJECT TO EFFECTIVE TRANSMISSION FROM YOUR MOBILE CARRIER. CARRIERS ARE NOT LIABLE FOR DELAYED OR UNDELIVERED MESSAGES.

Compliance with Law

Lifestyle Investor intends to operate the Program in compliance with the federal Telephone Consumer Protection Act, 47 U.S.C. § 227, the Telemarketing Sales Rule, and applicable state telemarketing and mini-TCPA statutes. You agree that text messages sent by Lifestyle Investor in direct response to your request or opt-in, including responses to keywords, help requests, opt-in confirmations, opt-out confirmations, and shipping or account notifications, are not “telephonic sales calls,” “commercial telephone solicitations,” or similar regulated calls under any applicable state statute, to the extent any such statute is otherwise applicable.

Incorporation

These SMS/MMS Program Terms are incorporated into and governed by this Agreement, including the arbitration clause, class-action waiver, governing-law provision, limitation of liability, and limitation-on-actions provision. In the event of any conflict between these SMS/MMS Program Terms and the remainder of this Agreement on a matter specific to the Program, these SMS/MMS Program Terms control.

Section 230 of the Communications Decency Act

You acknowledge and agree that Lifestyle Investor is an interactive computer service provider under Section 230 of the Communications Decency Act. Although Lifestyle Investor may edit, remove, or control the content displayed through the Services, you agree that Lifestyle Investor will not be considered an information content provider and will not be held liable for the republication of defamatory or tortious content created by third parties, whether through the Services or otherwise. Lifestyle Investor is not responsible for, and does not endorse, any content embedded in or linked to through the Services, even if such content remains accessible via the Services.

Third-Party Services and Links

The Services contain links to, and integrate with, third-party websites, applications, and services that Lifestyle Investor does not own or control, including the third-party AI platform that hosts Justin AI, payment processors, course-hosting platforms, analytics and advertising services, and membership-community tools. You agree that Lifestyle Investor is not responsible or liable for the availability, content, operation, security, or practices of any third-party website, application, or service, and Lifestyle Investor’s reference to or integration with any such third party does not constitute endorsement, recommendation, or affiliation. Your use of any third-party service is subject to that third party’s own terms, rules, and policies. You are solely responsible for maintaining valid credentials and permissions and for any fees, limits, suspensions, or enforcement actions taken by third-party providers. The views and opinions of contributors, guests, affiliates, and others expressed through the Services do not necessarily state or reflect those of Lifestyle Investor and are not intended as endorsements.

Disclaimer of Warranties

YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. YOU UNDERSTAND THAT LIFESTYLE INVESTOR DOES NOT GUARANTEE THE ACCURACY, SAFETY, INTEGRITY, AVAILABILITY, OR QUALITY OF THE SERVICES, THE EDUCATIONAL CONTENT, OR ANY OUTPUT, AND YOU HEREBY AGREE THAT YOU MUST EVALUATE AND BEAR ALL RISKS ASSOCIATED WITH USE OF THE SERVICES, INCLUDING ANY RELIANCE ON THE SERVICES OR ANY OUTPUT. LIFESTYLE INVESTOR DISCLAIMS ANY RESPONSIBILITY FOR ANY HARM OR LIABILITY ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES. LIFESTYLE INVESTOR PROVIDES THE SERVICES ON AN AS-IS AND AS-AVAILABLE BASIS AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, COMPLETENESS, NON-INFRINGEMENT, OR QUALITY.

LIFESTYLE INVESTOR WILL NOT BE HELD LIABLE OR RESPONSIBLE FOR: (A) ANY CONTENT POSTED ON THE SERVICES, INCLUDING ANY STATEMENT, ADVICE, OPINION, OR MARKETING PROVIDED BY ANY THIRD PARTY; (B) ANY THIRD-PARTY LINKS POSTED ON THE SERVICES; (C) ANY CONTENT TRANSMITTED THROUGH THE SERVICES, INCLUDING ANY OUTPUT OF JUSTIN AI OR ANY OTHER AI FEATURE; (D) ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, HALLUCINATION, OR DESTRUCTION OF ANY CONTENT OR IDENTITY; OR (E) NETWORK, INTERNET, COMPUTER, HARDWARE, OR SOFTWARE MALFUNCTIONS, FAILURES, DELAYS, OR DIFFICULTIES WITH THE SERVICES AT ANY TIME. LIFESTYLE INVESTOR RESERVES THE RIGHT TO DISCONTINUE THE SERVICES AT ANY TIME.

Some jurisdictions do not allow an exclusion of implied warranties. If you are located in such a jurisdiction, this exclusion may not apply to you and you may have additional rights under applicable law.

Limitation of Liability

LIFESTYLE INVESTOR WILL NOT BE LIABLE TO YOU UNDER ANY LEGAL THEORY FOR ANY DAMAGES, CLAIMS, INJURIES, JUDGMENTS, COSTS, OR LIABILITIES ARISING OUT OF OR RELATED TO YOUR USE OR MISUSE OF THE SERVICES OR ANY PRODUCTS OR SERVICES AVAILABLE THROUGH THE SERVICES, INCLUDING, BUT NOT LIMITED TO, LOSS OF BUSINESS, LOSS OF INCOME, LOSS OF INVESTMENT CAPITAL, SPECIAL DAMAGES, INCIDENTAL DAMAGES, CONSEQUENTIAL DAMAGES, PUNITIVE DAMAGES, OR EXEMPLARY DAMAGES.

YOU UNDERSTAND AND AGREE THAT THE MAXIMUM AMOUNT THAT LIFESTYLE INVESTOR CAN BE HELD LIABLE TO YOU UNDER ANY CIRCUMSTANCE IS THE AMOUNT THAT YOU PAID, IF ANY, FOR PRODUCTS OR SERVICES THROUGH THE SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, AND IN NO CASE WILL THAT AMOUNT EXCEED ONE HUNDRED DOLLARS ($100.00 USD). IF NO AMOUNT IS PAID BY YOU TO LIFESTYLE INVESTOR, YOU AGREE THAT YOU WILL BE LIMITED TO INJUNCTIVE RELIEF ONLY UNLESS OTHERWISE PERMITTED BY LAW.

The Services may contain technical inaccuracies or typographical errors or omissions. Lifestyle Investor is not responsible for any such typographical, technical, or pricing errors listed on the Services. Some jurisdictions do not allow the exclusion or limitation of damages. If your jurisdiction does not allow the exclusion or limitation of damages, you should seek legal counsel to understand your legal rights under the law.

Indemnification

You agree to hold harmless, indemnify, and defend Lifestyle Investor, its officers, directors, employees, agents, contractors, licensors, successors, and assigns, from and against any and all claims, demands, losses, damages, rights, and actions of any kind, including, but not limited to, property damage, infringement, personal injury, investment or financial loss, regulatory inquiries or enforcement actions, and death, that either directly or indirectly arise out of or are related to: (a) your use of the Services; (b) your reliance on any content obtained through the Services, including any Output of Justin AI; (c) any investment, business, tax, legal, or other decision you make in connection with or in reliance upon any content obtained through the Services; (d) your use of Outputs or Educational Content to provide, or hold yourself out as providing, investment, financial, legal, tax, or other professional advice to any third party; (e) your submission of any User Submission to the Services; (f) your violation of any term or condition of this Agreement; (g) your violation of any applicable law, statute, ordinance, regulation, or treaty, including without limitation federal or state securities laws; or (h) your violation of the rights of a third party.

Your obligation to defend Lifestyle Investor under the terms of this Agreement will not provide you with the right to control Lifestyle Investor’s defense, and Lifestyle Investor reserves the right to control its defense and choose its counsel regardless of your contractual requirement to indemnify Lifestyle Investor. This indemnification obligation survives termination of this Agreement.

Term and Termination

This Agreement will remain in full force and effect so long as the Services are in operation. Lifestyle Investor may terminate this Agreement without liability at any time, without notice, and for any reason, including but not limited to for your violation of a term or condition of this Agreement. Upon termination of this Agreement, your right to use the Services will immediately cease. Lifestyle Investor will have no obligation to maintain or preserve any Account data, User Submissions, Inputs, Outputs, or transaction history following termination, except as required by law or our Privacy Policy.

WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF SERVICE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT PRIOR NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES) TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF SERVICE OR OF ANY APPLICABLE LAW OR REGULATION.

Termination does not relieve you of any obligations accrued prior to termination. The following provisions of this Agreement survive termination: Ownership of Services and License; User Submissions; No Investment, Financial, Tax, Legal, or Professional Advice; Electronic Communications; Disclaimer of Warranties; Limitation of Liability; Indemnification; Governing Law; Resolution of Disputes via Arbitration; Limitation on Actions; and Miscellaneous.

No Assignment

You acknowledge and agree that you are prohibited from assigning your rights and obligations under this Agreement. Lifestyle Investor may assign its rights and obligations under this Agreement at any time, including in a sale of the Services or a change-of-control transaction.

Governing Law

This Agreement will be interpreted, governed, construed, and enforced in accordance with the laws of the United States of America and the State of Texas, without giving effect to any conflicts of laws principles. The parties submit to and agree to personal jurisdiction in Texas, with venue proper in Travis County, Texas. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Terms of Service.

Resolution of Disputes via Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT SIGNIFICANTLY AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND YOUR RIGHT TO A JURY TRIAL.

(a) Applicability of Arbitration Agreement

Except as otherwise specifically provided herein, any dispute, controversy, or claim, whether at law or equity, arising out of or relating in any way to this Agreement and use of the Services, including the breach, termination, enforcement, interpretation, or validity of this Agreement and the determination of the scope or applicability of this Arbitration Agreement, shall be resolved by binding arbitration on an individual basis under the terms of this Arbitration Agreement. This Arbitration Agreement applies to you and Lifestyle Investor, and to any subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns of either party, as well as all authorized or unauthorized users or beneficiaries of the Services.

(b) Informal Dispute Resolution

Before any party may seek arbitration, the party must first send to the other party a written Notice of Dispute (“Notice”) describing the nature and basis of the claim or dispute and the requested relief. Any Notice to Lifestyle Investor shall be sent to support@lifestyleinvestor.com and to Lifestyle Investor, LLC, c/o Traverse Legal, PLC, 810 Cottageview Drive, Unit G-20, Traverse City, MI 49684. After Notice is received, the parties shall attempt to resolve the claim or dispute informally for a period of thirty (30) calendar days. If the dispute is not resolved within that period, either party may begin an arbitration proceeding.

(c) Arbitration Rules; FAA Governance

This Arbitration Agreement is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16 (“FAA”). Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (for consumer disputes) or Commercial Arbitration Rules (for non-consumer disputes), as applicable and as amended from time to time (the “AAA Rules”). The AAA Rules are available online at www.adr.org or by calling 1-800-778-7879. Where any provision of this Agreement conflicts with the AAA Rules, the AAA Rules shall govern, except where the AAA Rules provide a non-waivable consumer protection, in which case the AAA Rules shall control on that specific point only.

(d) Delegation

The arbitrator, and not any federal, state, or local court, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of this Arbitration Agreement, including any claim that all or any part of this Arbitration Agreement is void or voidable. The arbitration shall be binding with no right of appeal.

(e) Arbitrator; Location; Format

The arbitration shall be conducted before a single, neutral arbitrator selected in accordance with the AAA Rules. The arbitration shall be held in Austin, Texas, unless otherwise agreed by the parties in writing. For claims under $10,000, you may elect to conduct the arbitration by telephone, videoconference, or written submissions only, and Lifestyle Investor will not object to that election. The arbitrator shall apply the substantive law of the State of Texas and applicable federal law of the United States, without regard to conflict-of-law principles. The arbitrator shall have authority to award any relief that a court could award, including monetary damages and any non-monetary remedy or relief available to an individual under applicable law. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions. The decision of the arbitrator shall be final and binding on both parties and may be entered as a judgment in any court of competent jurisdiction.

(f) Fees

Filing and arbitrator fees shall be allocated in accordance with the AAA Rules. Lifestyle Investor will pay all AAA filing, administration, and arbitrator fees for any arbitration it initiates. For arbitrations initiated by you, Lifestyle Investor will pay all fees that exceed what you would pay to file a comparable claim in a court of general jurisdiction in your state of residence, provided the claim is not frivolous as determined by the arbitrator under applicable law. If the arbitrator determines that any claim you assert is frivolous or brought for an improper purpose under Federal Rule of Civil Procedure 11(b), the arbitrator may require you to reimburse Lifestyle Investor for all fees incurred in connection with that claim, including reasonable attorneys’ fees. Each party shall otherwise bear its own attorneys’ fees and costs unless otherwise required by law or determined by the arbitrator.

(g) Waiver of Trial; Class Action Waiver

THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. WITH RESPECT TO ALL PERSONS AND ENTITIES, REGARDLESS OF WHETHER THEY HAVE OBTAINED OR USED THE SERVICES FOR PERSONAL, COMMERCIAL, OR OTHER PURPOSES, ALL CLAIMS AND DISPUTES MUST BE BROUGHT ON AN INDIVIDUAL BASIS, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING. THIS WAIVER INCLUDES, BUT IS NOT LIMITED TO, CLAIMS INVOLVING CLASS ARBITRATION. UNLESS LIFESTYLE INVESTOR AND YOU AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS. LIFESTYLE INVESTOR AND YOU AGREE THAT THE ARBITRATOR MAY AWARD RELIEF ONLY TO AN INDIVIDUAL CLAIMANT AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF ON YOUR INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED MAY NOT AFFECT OTHER USERS OR THIRD PARTIES. LIFESTYLE INVESTOR AND YOU ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO BRING, JOIN, OR PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND AS A PLAINTIFF OR CLASS MEMBER.

(h) Mass Arbitration Batching

If twenty-five (25) or more similar demands for arbitration are filed against Lifestyle Investor by or with the assistance of the same law firm or organized group, and the demands raise substantially similar claims, the AAA shall administer the demands in accordance with its Mass Arbitration Supplementary Rules, or if no such rules apply, the parties agree to negotiate in good faith a batching protocol for sequential or grouped resolution of those demands. This provision is intended to prevent abuse of the arbitration process and shall be enforced to the fullest extent permitted by law.

(i) Confidentiality

All aspects of the arbitration proceeding, including the award of the arbitrator and compliance therewith, shall be strictly confidential. The parties agree to maintain confidentiality unless otherwise required by applicable law. This paragraph shall not prevent a party from submitting to a court of law any information necessary to enforce this Arbitration Agreement, to enforce an arbitration award, or to seek injunctive or equitable relief.

(j) Injunctive and Equitable Relief; IP Carve-Out

Notwithstanding the foregoing, either party may seek temporary restraining orders, preliminary injunctions, or other provisional equitable relief in a court of competent jurisdiction to prevent irreparable harm or to protect intellectual property rights pending resolution of the underlying dispute in arbitration. Nothing in this Agreement shall require arbitration of any claim seeking to enforce or protect Lifestyle Investor’s intellectual property rights, any claim related to or arising from allegations of theft, piracy, invasion of privacy, or unauthorized use, or any claim for injunctive relief. Lifestyle Investor may bring such claims in any court of competent jurisdiction.

(k) Small Claims Court

Notwithstanding anything to the contrary in this Arbitration Agreement, either party may bring an individual action in small claims court.

(l) Opt-Out Right

You may opt out of this Arbitration Agreement by sending written notice to support@lifestyleinvestor.com within thirty (30) days of the date you first agree to this Agreement. Your notice must include your name, the email address associated with your Account, and a clear statement that you are opting out of arbitration. If you opt out, neither you nor Lifestyle Investor will be bound by this Arbitration Agreement, but all other provisions of this Agreement will remain in full force and effect. Opting out will not affect your ability to use the Services.

(m) Survival; Severability

This Arbitration Agreement will survive the termination of your relationship with Lifestyle Investor. If any part or parts of this Arbitration Agreement are found to be invalid or unenforceable by a court of competent jurisdiction, then such specific part or parts shall be of no force and effect and shall be severed, and the remainder of this Arbitration Agreement shall continue in full force and effect. If the class action waiver is found to be unenforceable in a particular proceeding, the entirety of the Arbitration Agreement shall be null and void with respect to that proceeding only, and that proceeding may proceed in a court of competent jurisdiction.

Miscellaneous

Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to the minimum extent necessary to make it enforceable, or if that is not possible, deemed severed from this Agreement, and the remaining provisions shall remain in full force and effect.

No Waiver

No term or provision of this Agreement will be deemed to have been waived, and no breach will be deemed to have been consented to, unless such waiver or consent is in writing and signed by the party to be charged.

Construction; Force Majeure

This Agreement shall not be construed against Lifestyle Investor as the drafter. Lifestyle Investor shall not be liable or responsible for any failure or delay in performance resulting from any cause beyond its reasonable control, including acts of God, natural disasters, governmental actions, strikes, labor disputes, third-party service outages, internet or telecommunications failures, or other force majeure events. Nothing in this Agreement shall be construed to create a joint venture, partnership, employment, or agency relationship between you and Lifestyle Investor.

Integration

Lifestyle Investor hereby incorporates its Privacy Policy and any other policies or operating rules posted on the Services or in respect to the Services into this Agreement. This Agreement and its incorporated policies constitute the entire agreement between the parties with respect to the use of the Services. Certain features or services provided through the Services may be subject to additional terms and conditions. You will be asked to review and agree to those terms before using such services.

Reservation of Rights

Lifestyle Investor hereby reserves all rights not expressly granted herein.

California Residents Notice

In accordance with California Civil Code Section 1789.3, Users resident in California using the Services may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.

Children’s Online Privacy

The Services are not directed to persons under the age of eighteen (18), and Lifestyle Investor will not knowingly collect personally identifiable information from children under the age of eighteen (18) for the creation of User Accounts. If Lifestyle Investor inadvertently collects such personally identifiable information outside of the purposes of the Services, Lifestyle Investor will delete the personally identifiable information in accordance with its security protocols.

Limitation on Actions

LIFESTYLE INVESTOR AND YOU BOTH AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES OR ANY PRODUCTS OR SERVICES PURCHASED OR ACQUIRED THROUGH THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. FAILURE TO ASSERT SAID CAUSE OF ACTION WITHIN ONE YEAR WILL PERMANENTLY BAR ANY AND ALL RELIEF. YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST LIFESTYLE INVESTOR ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS.

Notice

Any notice required by this Agreement must be in writing and must be sent to:

Lifestyle Investor, LLC

support@lifestyleinvestor.com

This Agreement is enforced by the Internet lawyers of Traverse Legal, PLC.

JUSTIN AI — DISCLAIMER AND CONDITIONS OF USE

Last Updated: 06/18/2026

This Justin AI Disclaimer and Conditions of Use (this “Disclaimer”) applies to your access to and use of Justin AI, an artificial-intelligence conversational tool made available at ai.lifestyleinvestor.com (the “AI Tool”), offered by Lifestyle Investor, LLC (“Lifestyle Investor,” “we,” “us,” or “our”). This Disclaimer supplements, and is incorporated into, the Lifestyle Investor Terms of Service Agreement and Privacy Policy. Capitalized terms not defined here have the meanings given in the Terms of Service.

1. What Justin AI Is, and What It Is Not

Justin AI is a generative artificial-intelligence educational tool and conversational coaching assistant. It is hosted and operated by Steno, a third-party AI platform, and has been configured to draw on Lifestyle Investor’s publicly available educational content, including Justin Donald’s book, podcast episodes, newsletters, and other published teaching materials. Justin AI generates text-based responses (“Outputs”) automatically in response to your prompts, queries, and messages (“Inputs”).

Justin AI is software. Justin AI is not Justin Donald. Justin AI does not speak on behalf of, and does not reflect the current views, recommendations, actions, or practices of, Justin Donald or Lifestyle Investor. Outputs may not accurately reflect the source material on which Justin AI has been trained. You should not assume that any Output represents the opinion, recommendation, or statement of Justin Donald or Lifestyle Investor on any subject, current or historical.

2. Limitations of AI-Generated Output

You acknowledge and agree that Outputs:

Are generated by software based on statistical patterns and do not reflect human judgment, professional diligence, or fact verification;
May contain errors, inaccuracies, incomplete information, fabricated citations, misstatements of fact, or “hallucinations” (plausible-sounding text that is not true);
May misinterpret, misattribute, or omit material information from the source content;
May not reflect current law, tax treatment, regulations, market conditions, prices, or facts, including any content that has become outdated since Justin AI was last updated;
Do not take into account your specific facts, circumstances, financial condition, risk tolerance, investment objectives, time horizon, tax situation, regulatory status, or accredited-investor or qualified-purchaser status;
May produce different Outputs in response to the same or similar Inputs, and two Users submitting identical Inputs may not receive the same Output;
Are provided for general informational and educational purposes only; and
Are provided on an AS-IS and AS-AVAILABLE basis, without any warranty of accuracy, completeness, reliability, fitness for a particular purpose, or non-infringement.

You are solely responsible for independently verifying, evaluating, and confirming the accuracy, completeness, suitability, legality, and compliance of any Output before relying on or acting upon it. You should not rely on any Output as the sole or primary basis for any decision. Before making any investment, financial, tax, legal, or other material decision, you should consult a qualified licensed professional who can evaluate your specific facts and circumstances.

3. No Investment, Financial, Tax, Legal, or Professional Advice

No Output of Justin AI, and no content on any Lifestyle Investor website, podcast, newsletter, book, course, mastermind communication, or other Service, constitutes:

An offer to sell or a solicitation of an offer to buy any security, interest in a private fund, limited partnership interest, real estate syndication interest, business interest, commodity, insurance product, or other financial product;
A recommendation to purchase, sell, hold, or transact in any security, asset, investment vehicle, or financial product;
Personalized investment, financial, tax, accounting, estate-planning, legal, or insurance advice;
Fiduciary advice; or
A guarantee, projection, or prediction of any future investment or financial outcome.

No advisory, fiduciary, broker-dealer, attorney-client, accountant-client, insurance producer, or similar professional relationship is created between you and Lifestyle Investor or Justin Donald by virtue of your access to or use of Justin AI, any Output, or any Service.

4. Risk, Past Performance, and Testimonials

All investment, business, and entrepreneurial activity involves substantial risk, including the risk of total loss of principal and the risk of incurring additional liabilities. Many investment categories discussed in Lifestyle Investor content and that may be referenced in Outputs, including but not limited to private placements, real estate syndications, operating business interests, private credit, and other alternative investments, are illiquid, are not registered under federal or state securities laws, are limited to accredited investors or qualified purchasers, involve material conflicts of interest, and carry substantial risk of loss. The strategies, structures, asset classes, and opportunities referenced by Justin AI may not be appropriate for your financial condition, risk tolerance, liquidity needs, income needs, time horizon, tax situation, or regulatory status.

Past performance of any investment, strategy, person, fund, sponsor, or asset class is not a guarantee, prediction, or indication of future results. Testimonials, endorsements, case studies, income claims, investment outcomes, and results described by or through Justin AI reflect the experiences of specific individuals and are not representative, typical, or guaranteed. There is no assurance that you will achieve similar results, and your results may differ materially. Any forward-looking statements, projections, illustrations, or hypothetical results are illustrative only, are based on assumptions that may not materialize, and may differ materially from actual results.

5. Third-Party AI Platform (Steno)

Justin AI is hosted and operated by Steno, a third-party artificial-intelligence platform that applies a proprietary orchestration layer over a leading third-party large language model. Lifestyle Investor is not responsible for the uptime, availability, performance, accuracy, security, or behavior of the Steno platform or the underlying model. Your use of Justin AI is subject to Steno’s applicable terms (steno.ai/terms) and privacy policy (steno.ai/privacy) in addition to this Disclaimer, the Lifestyle Investor Terms of Service, and the Lifestyle Investor Privacy Policy.

Conversations with Justin AI are pseudonymous by default, chat transcripts are stored under a pseudonymous user identifier that is structurally separate from your name or email address. Steno’s third-party large-language-model providers are contractually prohibited from using your Inputs or Outputs to train their general-purpose models, your conversations are not used to train models for the benefit of other Steno customers, and neither Lifestyle Investor nor Steno sells or shares your Inputs or Outputs as those terms are defined under the California Consumer Privacy Act. As described in the Lifestyle Investor Terms of Service, Lifestyle Investor may use Inputs and Outputs to operate, secure, maintain, and improve the Services, including improving Justin AI itself, monitoring for misuse, providing technical support, and complying with legal obligations. You may delete your Justin AI chat history directly from your account; deletion will also remove the chat history from the Steno dashboard, subject to short-term residual retention in backups and as required for legal, security, fraud-prevention, or audit purposes. Additional detail on retention, deletion, and the categories of information processed is set forth in the Lifestyle Investor Privacy Policy.

6. Permitted and Prohibited Uses

You may use Justin AI only for your personal, non-commercial education regarding investing, personal finance, and related topics, subject to the Terms of Service. You shall not, and shall not permit any third party to:

Use Outputs or Educational Content to provide, offer, or hold yourself out as providing investment, financial, legal, tax, or other professional advice to any other person;
Use Outputs or Educational Content in connection with any activity for which you are required to hold a registration, license, or other regulatory qualification that you do not hold;
Use Outputs or Educational Content for resale, syndication, commercial republication, or as a training dataset for any other artificial-intelligence or machine-learning model;
Represent to any third party that any Output represents the current views, recommendations, or endorsement of Justin Donald or Lifestyle Investor, or that Justin AI itself is Justin Donald;
Attempt to extract, reconstruct, or reverse-engineer the underlying model, training data, system prompts, or safety filters of Justin AI;
Submit Inputs intended to bypass, disable, or circumvent Justin AI’s content-filtering, rate-limiting, or safety features;
Submit Inputs containing sensitive personal information (including Social Security numbers, government identifiers, financial account numbers, passwords, or health information), confidential business information, trade secrets, or any material subject to a non-disclosure obligation, attorney-client privilege, or other legal privilege; or
Use Justin AI in any manner that violates applicable law, including federal or state securities laws, broker-dealer regulations, or investment-adviser regulations.

7. Modifications; Discontinuation

Lifestyle Investor reserves the right to modify, suspend, discontinue, or replace Justin AI, any Output, any feature of Justin AI, or this Disclaimer at any time, in whole or in part, in its sole discretion, and without notice or liability except where notice is required by applicable law. Where a modification of this Disclaimer is material, Lifestyle Investor will update the “Last Updated” date above and, where required by applicable law, will provide notice through the Services or by email. Your continued use of Justin AI after the effective date of any modification constitutes your acceptance of the revised Disclaimer.

8. Relationship to the Terms of Service and Privacy Policy

This Disclaimer is supplemental to, and is incorporated into, the Lifestyle Investor Terms of Service and Privacy Policy. Your access to and use of Justin AI is governed by this Disclaimer together with the Terms of Service and Privacy Policy. Without limiting the foregoing, all of the provisions of the Terms of Service apply to your use of Justin AI and to any dispute arising out of or related to this Disclaimer or Justin AI, including, without limitation, the provisions concerning the disclaimer of warranties, the limitation of liability and aggregate liability cap, release, indemnification, governing law (Texas), venue (Travis County, Texas), binding arbitration, class-action waiver, and the one-year limitation on actions. The Privacy Policy governs the collection, use, and disclosure of Inputs, Outputs, and other information processed in connection with Justin AI. To the extent of any conflict between this Disclaimer and the Terms of Service on a matter specific to Justin AI, this Disclaimer controls; in all other respects, the Terms of Service controls.

9. Contact

Questions regarding Justin AI or this Disclaimer may be directed to: