Terms of Service

Effective date: July 28, 2026

These Terms of Service (the "Terms") are a binding legal agreement between you and Regalis Capital ("Regalis Capital," "we," "us," or "our"). They govern your purchase, access, and use of the 5-Day Paycheck Replacement Challenge (the "Product"), our websites, the members hub, and all related content and services (together, the "Services"). Please read these Terms carefully. They include a binding arbitration clause and a class-action waiver in Section 9 that affect your legal rights.

1. Acceptance of these Terms

You accept these Terms and enter into this agreement when you do any of the following: purchase the Product, click a box or button at checkout indicating that you agree to these Terms, create or access an account or the members hub, or otherwise access or use the Services. If you do not agree to these Terms, do not purchase, access, or use the Product or the Services.

The checkout page asks you to affirmatively agree to these Terms before you complete your purchase. Your affirmative agreement at checkout, together with your purchase and use of the Services, forms this contract.

2. The Product and who may use it

The Product is a digital educational product delivered electronically through an online members hub. You must be at least 18 years old and able to form a binding contract to purchase or use the Services. You agree that the information you provide to us at checkout and in your account is accurate and current.

3. License and permitted use

Subject to these Terms and your payment of all applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Product and its materials for your own personal, non-commercial educational use only.

You may not, and may not permit any other person to:

• resell, sublicense, rent, lease, distribute, share, or otherwise make the Product, the members hub, your access credentials, or any materials available to any other person;
• copy, reproduce, republish, post, transmit, or distribute any part of the Product or materials, except for a single copy for your own personal use;
• create derivative works from, reverse engineer, or attempt to extract the source of any part of the Services;
• use the Product or materials to build, market, or operate a competing product, program, or service; or
• use the Services in any way that violates applicable law or these Terms.

Intellectual property. The Product, the members hub, and all content, materials, text, graphics, tools, templates, scripts, logos, and trademarks in the Services are owned by Regalis Capital or its licensors and are protected by copyright, trademark, and other laws. Except for the limited license granted above, no right, title, or interest in or to the Services is transferred to you. All rights not expressly granted are reserved.

4. Accounts, access, and acceptable use

Access to the members hub is protected by a password or access credential tied to you. You are responsible for keeping your credentials confidential and for all activity that occurs under your access.

• No password sharing. Sharing, publishing, or transferring your password or access credential to any other person is prohibited. Access is for you alone.
• Revocation for abuse. We may suspend, revoke, or terminate your access, with or without notice, if we reasonably believe you have shared your access, resold or distributed the materials, attempted to defraud us, filed an unwarranted chargeback, abused our support team, or otherwise violated these Terms. Revocation for abuse does not entitle you to a refund beyond what the Refund Policy provides.
• Security. You agree not to probe, scan, or test the vulnerability of the Services, breach any security or authentication measures, or access any account, system, or data you are not authorized to access.

5. Educational purpose, no earnings claims, and no professional advice

The Product is provided for general educational and informational purposes only. It is not, and nothing in the Services is, legal, tax, accounting, investment, financial, or other professional advice. You should consult qualified professionals before acting on anything in the Product.

No earnings or results guarantee. We do not guarantee any particular income, profit, business result, deal, financing, or outcome. Any examples, figures, case studies, or scenarios in the Product are illustrations only and are not promises or guarantees of results. Your results depend on many factors outside our control, including your own effort, skill, decisions, market conditions, and circumstances. You accept full responsibility for the decisions you make and the actions you take.

6. Disclaimer of warranties

The Services and the Product are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by applicable law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranty that the Services will be uninterrupted, error-free, secure, or free of harmful components. Some states do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

7. Limitation of liability

To the fullest extent permitted by applicable law:

• Regalis Capital and its owners, officers, employees, affiliates, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenue, lost data, or loss of goodwill, arising out of or relating to the Services or the Product, even if we have been advised of the possibility of such damages.
• Our total aggregate liability for all claims arising out of or relating to the Services or the Product, whether in contract, tort, or otherwise, is limited to the total amount you actually paid to us for the Product in the 12 months before the event giving rise to the claim.

Some states do not allow the exclusion or limitation of certain damages, so some of these limitations may not apply to you. Nothing in these Terms limits any liability that cannot be limited under applicable law.

8. Indemnification

You agree to indemnify, defend, and hold harmless Regalis Capital and its owners, officers, employees, affiliates, and agents from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Services or the Product, your violation of these Terms, your violation of any law or the rights of any third party, or any content or information you submit to us.

9. Binding arbitration, class-action waiver, and jury-trial waiver

Please read this section carefully. It affects your legal rights.

9.1 Binding individual arbitration

You and Regalis Capital agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Product, or the Services, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, will be resolved by binding individual arbitration and not in court, except as stated in Section 9.4. The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, or enforceability of this arbitration agreement.

9.2 Class-action waiver

You and Regalis Capital agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of a class or representative proceeding. If this class-action waiver is found unenforceable as to a particular claim, that claim, and only that claim, will be severed and may proceed in court, while all other claims remain in arbitration.

9.3 Jury-trial waiver

To the fullest extent permitted by law, you and Regalis Capital each waive any right to a trial by jury in any dispute arising out of or relating to these Terms, the Product, or the Services.

9.4 Exceptions

Either party may bring an individual claim in small-claims court if it qualifies. Either party may also seek injunctive or equitable relief in court to protect its intellectual property or confidential information. Nothing in this section prevents you from filing a complaint with a government agency.

10. Governing law and venue

These Terms and any dispute arising out of or relating to them, the Product, or the Services are governed by the laws of the State of [GOVERNING LAW STATE], without regard to its conflict-of-laws rules, and by applicable federal law, including the Federal Arbitration Act. For any dispute not subject to arbitration under Section 9, or if the arbitration agreement is found not to apply, you and Regalis Capital agree to the exclusive jurisdiction and venue of the state and federal courts located in [VENUE], and you consent to personal jurisdiction there.

11. Refunds and related policies

Our Refund Policy and our Privacy Policy are incorporated into these Terms by reference and form part of this agreement. By agreeing to these Terms, you also agree to those policies. If there is a direct conflict between these Terms and the Refund Policy on a refund matter, the Refund Policy governs that matter.

12. Termination

We may suspend or terminate your access to the Services at any time as described in Section 4 or if you violate these Terms. You may stop using the Services at any time. Sections that by their nature should survive termination, including Sections 3, 5, 6, 7, 8, 9, 10, and 13, survive any termination of these Terms.

13. Severability and waiver

If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect. Section 9.2 is governed by its own severability rule stated in that section. Our failure to enforce any provision is not a waiver of our right to do so later.

14. Changes to these Terms

We may update these Terms from time to time. The version in effect at the time of your purchase governs that purchase. When we make changes, we will update the effective date at the top of this page. For material changes, we will provide additional notice where required by law. Your continued use of the Services after an update takes effect constitutes your acceptance of the updated Terms to the extent permitted by law.

15. Entire agreement

These Terms, together with the Refund Policy and the Privacy Policy, are the entire agreement between you and Regalis Capital regarding the Product and the Services, and they supersede any prior agreements or understandings on that subject. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

16. Contact us

For questions about these Terms, contact: