Terms and Conditions

RL & Associates, LLC

General

This website (the “Site”) is owned and operated by RL & Associates, LLC, (“We” or “Us”). By using the Site, you agree to be bound by these Terms and Conditions of Use and Service (“Terms and Conditions”) and to use the Site in accordance with these Terms and Conditions and Service, and Privacy Policy. These Terms and Conditions are in addition to the terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from RL & Associates, LLC, including but not limited to the Digital Contrarian Newsletter; the books ASK, Choose, and Return to Real; the Agency Subscription (Strategic Content Ecosystem Subscription); 1:1 Private Client engagements; the Strategic Advisory Group; and in-person or virtual Masterminds and VIP Days with Ryan Levesque. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms and Conditions.

The Site includes ryanlevesque.net and the other websites we own or operate that link or redirect to it, including returntorealbook.com, returntoreal.net, and thedigitalcontrarian.com, together with their subdomains and related landing pages.

We reserve the right to change these Terms and Conditions or to impose new conditions on use of the Site, from time to time, in which case we will post the revised Terms and Conditions on this website. By continuing to use the Site after We post any such changes, you accept the Terms and Conditions, as modified.

Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions, all applicable laws and regulations. You further agree that you are responsible for compliance with any and all applicable local, state, federal, and international laws.

If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on this Site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on RL & Associates, LLC’s web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or “mirror” the materials on any other server.
record, broadcast, or live stream any materials or content.
permit unauthorized users or non-paying attendees to access the materials or content.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by RL & Associates, LLC at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format. Your access to materials will be suspended without a refund. RL & Associates, LLC reserves the right to pursue all available legal remedies against violators.

Our Limited License to You

This Site and all the materials available on the Site are the property of RL & Associates, LLC and/or its affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal noncommercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us. More specifically, unless explicitly authorized in these Terms and Conditions or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, record, livestream, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site. You may, however, from time to time, download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

Your License to Us

By posting or submitting any material (including, without limitation, comments, blog entries, Facebook postings, photos and videos) to us via the Site, internet groups, social media venues, or to any of our staff via email, text or otherwise, you are representing: (i) that you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and (ii) that you are thirteen years of age or older. In addition, when you submit, email, text or deliver or post any material, you are granting us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose. The foregoing grant shall include the right to exploit any proprietary rights in such posting or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. Also, in connection with the exercise of such rights, you grant us, and anyone authorized by us, the right to identify you as the author of any of your postings or submissions by name, email address or screen name, as we deem appropriate.

You acknowledge and agree that any contributions originally created by you for us shall be deemed a “work made for hire” when the work performed is within the scope of the definition of a work made for hire in Section 101 of the United States Copyright Law, as amended. As such, the copyrights in those works shall belong to RL & Associates, LLC from their creation. Thus, RL & Associates, LLC shall be deemed the author and exclusive owner thereof and shall have the right to exploit any or all of the results and proceeds in any and all media, now known or hereafter devised, throughout the universe, in perpetuity, in all languages, as RL & Associates, LLC determines. In the event that any of the results and proceeds of your submissions hereunder are not deemed a “work made for hire” under Section 101 of the Copyright Act, as amended, you hereby, without additional compensation, irrevocably assign, convey and transfer to RL & Associates, LLC all proprietary rights, including without limitation, all copyrights and trademarks throughout the universe, in perpetuity in every medium, whether now known or hereafter devised, to such material and any and all right, title and interest in and to all such proprietary rights in every medium, whether now known or hereafter devised, throughout the universe, in perpetuity. Any posted material which are reproductions of prior works by you shall be co-owned by us.

You acknowledge that RL & Associates, LLC has the right but not the obligation to use and display any postings or contributions of any kind and that RL & Associates, LLC may elect to cease the use and display of any such materials (or any portion thereof), at any time for any reason whatsoever.

Disclaimer

The materials on RL & Associates, LLC’s web site are provided “as is”. RL & Associates, LLC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, RL & Associates, LLC does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, deletion, omission, interruption, error, defect, computer virus, theft or destruction of or unauthorized access to, alteration of, or use of this Site, and includes a disclaimer against any and all claims for breach of contract, tort, negligence or any other cause of action.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you, and you may have additional rights.

Limitations

In no event shall RL & Associates, LLC or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on RL & Associates, LLC’s Internet site, even if RL & Associates, LLC or a RL & Associates, LLC authorized representative has been notified orally or in writing of the possibility of such damage. If, notwithstanding the other provisions of these Terms and Conditions, we are found to be liable to you for any damage or loss which arises or is in any way connected to your use of this Site, our programs, or products, our liability to you shall in no event exceed the total amount you have paid us during the six (6) month period immediately preceding any claim. These Terms and Conditions, and any dispute arising out of them, are governed by the laws of the State of Texas, without regard to its conflicts of laws provisions, as further described in the Dispute Resolution section below.

Some jurisdictions do not allow the limitation or exclusion of certain damages, so the above limitation may not apply to you.

No Guarantee of Results; No Professional Advice

Our programs, products, content, Books, Newsletter, coaching, and services are provided for general informational and educational purposes only and do not constitute business, financial, legal, tax, or other professional advice. We do not guarantee any particular business, financial, or other result. Any results you achieve, and any examples, case studies, or strategies we share, depend on factors unique to you, including your own efforts, decisions, experience, market conditions, and circumstances. You are solely responsible for your own decisions and outcomes, and you should consult your own qualified professionals before acting on any information we provide.

Opinions, Testimonials, and Forward-Looking Statements

The views and opinions expressed in our materials, content, programs, Books, Newsletter, presentations, calls, and communications, whether written or verbal, are those of Ryan Levesque or the individual speakers or contributors at the time they are made. They are provided for general informational and educational purposes, may change without notice, and do not constitute professional advice or a guarantee of any kind. Statements, opinions, advice, or information provided by guests, contributors, members, or other third parties are their own and do not necessarily reflect our views, and we are not responsible for them.

Any testimonials, endorsements, examples, or results we share reflect the real-life experiences of individuals who used our products or services. They are individual results, are not necessarily typical, and are not a promise or guarantee that you or anyone else will achieve the same or similar results. Certain statements we make may be forward-looking and reflect our current expectations about future events; actual results and outcomes may differ.

Interactive Features

This Site and programs offered by RL & Associates, LLC may include a variety of features, such as membership sites, bulletin boards, web logs, chat rooms, and email services, which allow feedback to us and real-time interaction between users, and other features which allow users to communicate with others. Responsibility for what is posted on bulletin boards, web logs, chat rooms, and other public posting areas on the Site or elsewhere such as Facebook groups and Google Hangouts, or sent via any email services on the Site, lies with each user. You alone are responsible for the material you post or send. We do not control the messages, information or files that you or others may provide through the Site. It is a condition of your use of the Site that you do not:

Restrict or inhibit any other user from using and enjoying the Site.
Use the Site to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
Interfere with or disrupt any servers or networks used to provide the Site or its features, or disobey any requirements, procedures, policies or regulations of the networks we use to provide the Site.
Use the Site to instigate or encourage others to commit illegal activities or cause injury or property damage to any person.
Gain unauthorized access to the Site, or any account, computer system, or network connected to this Site, by means such as hacking, password mining or other illicit means.
Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Site.
Use the Site to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
Use the Site to post or transmit any information, software or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or that is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or rights holder.
Use the Site to post or transmit any information, software or other material that contains a virus or other harmful component.
Use the Site to post, transmit or in any way exploit any information, software or other material for commercial purposes, or that contains advertising.
Use the Site to advertise or solicit to anyone to buy or sell products or services, or to make donations of any kind, without our express written approval.
Gather for marketing purposes any email addresses or other personal information that has been posted by other users of the Site.

RL & Associates, LLC maintains online communities such as Facebook groups, Google Hangouts and other private and public forums on its Sites and elsewhere, and from time to time may host message boards and chats. RL & Associates, LLC reserves the right to exercise its discretion and refuse, limit, or terminate any user’s access to this Site and any of the other private or public forums and communities for any reason, including but not limited to posting what RL & Associates, LLC deems as inappropriate messages or content, engaging in what RL & Associates, LLC deems as disruptive behavior, and/or for failing to comply with these Terms and Conditions. Such conduct may also constitute a violation of the Terms and Conditions for the Digital Contrarian Newsletter; the books ASK, Choose, and Return to Real; the Agency Subscription (Strategic Content Ecosystem Subscription); 1:1 Private Client engagements; the Strategic Advisory Group; and in-person or virtual Masterminds and VIP Days with Ryan Levesque and may void and nullify the refund policy for such program. Additionally, RL & Associates, LLC or its designated agents may remove or alter any user-created content at any time for any reason.

The message boards, Facebook groups, Google Hangouts chats and other forums are intended to serve as discussion centers for users and subscribers. Information and content posted within these public forums may be provided by RL & Associates, LLC’s staff, outside contributors, or by users not connected with RL & Associates, LLC, some of whom may employ anonymous user names. RL & Associates, LLC expressly disclaims all responsibility and endorsement and makes no representation as to the validity of any opinion, advice, information or statement made or displayed in these forums by third parties, nor are we responsible for any errors or omissions in such postings, or for hyperlinks embedded in any messages. Under no circumstances will we, our affiliates, suppliers or agents be liable for any loss or damage caused by your reliance on information obtained through these forums. The opinions expressed in these forums are solely the opinions of the participants, and do not reflect the opinions of RL & Associates, LLC or any of its subsidiaries or affiliates.

RL & Associates, LLC has no obligation whatsoever to monitor any of the content or postings on the message boards, chat rooms or other public forums on the Sites. However, you acknowledge and agree that we have the absolute right to monitor the same at our sole discretion. In addition, we reserve the right to alter, edit, refuse to post or remove any postings or content, in whole or in part, for any reason and to disclose such materials and the circumstances surrounding their transmission to any third party in order to satisfy any applicable law, regulation, legal process or governmental request and to protect ourselves, our clients, sponsors, users and visitors.

We may cancel or terminate your right to use the Site or any part of the Site at any time without notice. In the event of cancellation or termination, you are no longer authorized to access the part of the Site affected by such cancellation or termination. The restrictions imposed on you with respect to material downloaded from the Site, and the disclaimers and limitations of liabilities set forth in these Terms and Conditions, shall survive.

Revisions and Errata

The materials appearing on RL & Associates, LLC’s web site could include technical, typographical, or photographic errors. RL & Associates, LLC does not warrant that any of the materials on its web site are accurate, complete, or current. RL & Associates, LLC may make changes to the materials contained on its web site at any time without notice. RL & Associates, LLC does not, however, make any commitment to update the materials.

Intellectual Property

This Site includes proprietary information and material, including graphics, audio/video clips, and editorial content, that is exclusively owned by RL & Associates, LLC. This information is protected by all applicable intellectual property laws, including but not limited to trademark and copyright laws. As a condition of your access to this Site, you agree to not use any such proprietary information without the express written consent of RL & Associates, LLC.

The books authored by Ryan Levesque, including ASK, Choose, and Return to Real (each, a “Book”), together with their text, cover art, and accompanying materials, and all content of The Digital Contrarian Newsletter (including text, graphics, audio, and video), are owned by or licensed to RL & Associates, LLC and/or its publishers and are protected by copyright, trademark, and other intellectual property laws.

When you purchase or access a Book, the Newsletter, or their related materials, you receive a personal, non-commercial, non-transferable license to use them for your own use. You may read and share links to published Newsletter content for personal, non-commercial purposes using the sharing features made available on the platforms where it appears. Except as expressly permitted, you may not copy, reproduce, republish, repurpose, resell, scan, record, broadcast, distribute, or create derivative works from any Book, the Newsletter, or their materials, in whole or in part, in any medium, without our prior written consent or that of the applicable publisher.

Links

RL & Associates, LLC has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by RL & Associates, LLC of the site. Use of any such linked web site is at the user’s own risk.

Modification of Site Terms and Conditions

RL & Associates, LLC may revise these Terms and Conditions for the Site at any time without notice. By using this Site you are agreeing to be bound by the then current version of these Terms and Conditions.

Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Texas and any dispute shall be subject to binding arbitration in Austin, Texas. If any provision of the Terms and Conditions shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from the Terms and Conditions, and shall not affect the validity and enforceability of any remaining provisions.

Links to Other Sites

This Site may contain links to other independent third-party Web sites (“Linked Sites”). These Linked Sites are provided solely as a convenience to our visitors. Such Linked Sites are not under our control, and we are not responsible for and do not endorse the content of such Linked Sites, including any information or materials contained on such Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites.

Program-Specific Terms and Agreements

The sections that follow describe specific products, programs, and services we offer. In addition to these Terms and Conditions, individual offerings may have their own terms, guarantees, or separate signed agreements presented to you at the time of application, enrollment, or purchase. Those program-specific terms and agreements are in addition to these Terms and Conditions and, to the extent of any conflict regarding that offering, control. The general provisions above, including the disclaimers, limitation of liability, and intellectual property terms, apply to all of these offerings.

Payment Authorization and Chargebacks

Payment Authorization. When you purchase a paid program, product, or subscription, you authorize us and our payment processors to charge the payment method you provide for the amounts due, including any recurring monthly or installment payments, on the schedule presented at checkout, and to store your payment information for that purpose. Recurring charges will continue until your subscription or payment plan ends or you cancel in accordance with the applicable cancellation terms. It is your responsibility to keep your payment information current. If a charge is declined, we may retry the charge and may suspend your access until payment is received.

Chargebacks. We ask that you contact us first at contact@rlassociatesllc.com so we can resolve any billing concern. If you initiate a chargeback or payment dispute that is fraudulent or made in bad faith, we reserve the right to respond to and dispute it and to suspend or terminate your access. Nothing in this section limits any rights you may have under applicable law, including your rights to dispute charges with your card issuer.

The Digital Contrarian Newsletter

We publish The Digital Contrarian, a newsletter authored by Ryan Levesque, distributed by email and republished on platforms that may include this website, LinkedIn, Substack, Medium, Instagram, Facebook, Spotify, Apple Podcasts, and YouTube. The following terms apply to the newsletter and its content. Ownership and permitted use of the newsletter content are addressed in the Intellectual Property section above.

Subscription and Communications. By subscribing, you consent to receive email and other communications from us. You may unsubscribe at any time using the link provided in our emails or by contacting us. We may discontinue, suspend, or change the newsletter, its format, or its publishing schedule at any time without notice.

Third-Party Platforms. The newsletter is distributed on third-party platforms that are not under our control and are governed by their own terms and policies. We are not responsible for those platforms or for any content, comments, or interactions occurring on them.

Books

Ryan Levesque is the author of the books ASK, Choose, and Return to Real (each, a “Book”). The following terms apply to the Books and to any related materials, tools, or bonuses we make available. Ownership and permitted use of the Books are addressed in the Intellectual Property section above.

Purchases and Bonuses. Some Books are sold or fulfilled through third-party retailers or funding or financing partners whose own terms govern your purchase, pre-order, shipping, release timing, and returns. Titles offered for pre-order are subject to those terms, and announced release dates and availability may change. Any free bonuses, downloads, tools, or trials offered in connection with a Book are subject to the specific terms stated on the applicable offer page and may be modified or withdrawn at any time.

Agency Subscription (Strategic Content Ecosystem Subscription)

From time to time, we offer the Category of One + Strategic Content Ecosystem Subscription (the “Agency Subscription” or “Subscription”), a monthly content-creation and distribution service. The purchase terms below apply. The full Strategic Content Ecosystem Subscription Agreement, which you accept at enrollment, governs scope of work, deliverables, content ownership and license, intellectual property, turnaround, limitation of liability, termination, and dispute resolution. That Agreement is available at https://ryanlevesque.net/rtr-subscription-agreement/ and controls in the event of any conflict with these Terms and Conditions as to the Subscription.

Minimum Commitment and Fees. A minimum six (6)-month commitment is required. Subscription fees are payable in advance and are billed automatically each month to the card on file. Except as required by applicable law, all payments are non-refundable. Work for each upcoming month begins only after payment has cleared.

Late Payment. If payment is not received within seven (7) calendar days of the due date, all work will stop and we may suspend services until payment is made in full. Any missed deliverables or scheduling delays resulting from late payment do not qualify for credits, extensions, or refunds.

Cancellation. You may cancel your Subscription by providing written notice to clients@rlassociatesllc.com at least forty-five (45) days in advance. Cancellation takes effect at the end of the billing cycle following the notice period, and you remain responsible for all fees due during that notice period.

Governing Agreement. Scope of work, deliverables, content ownership and license, intellectual property, content submission and turnaround, limitation of liability, termination, and dispute resolution for the Subscription are set forth in the Strategic Content Ecosystem Subscription Agreement, which you accept at enrollment and which controls as to the Subscription.

1:1 Private Clients

From time to time, we offer 1:1 Private Client engagements, high-touch coaching and advisory provided by application. When we offer these, the following terms apply:

Application and Admission. Participation as a 1:1 Private Client is by application and invitation only. Submitting an application does not guarantee admission. Applications are reviewed at our sole discretion, and only selected applicants will be invited to complete payment to enroll. Your place is confirmed only upon our acceptance of your application and receipt of your first payment.

Application Fee. Enrollment requires a refundable application fee (in the amount specified on the applicable application or order page) to be submitted with your application. If your application is not accepted, your application fee will be refunded to your original method of payment. If your application is accepted, your application fee will be applied toward your program fees and, once applied, is non-refundable.

Fees and Billing. Program fees are billed automatically each month to the card on file. Except as required by applicable law, all payments are non-refundable. Access to the program and its benefits begins only after payment has cleared.

Cancellation. You may cancel your participation by providing written notice to clients@rlassociatesllc.com at least thirty (30) days in advance. Cancellation takes effect at the end of the billing cycle following the notice period, and you remain responsible for all fees due during that notice period.

Late Payment and Good Standing. You must be in good standing, with all payments current, to access the program and its benefits. If a payment is not received when due, we may suspend access until payment is made in full, and any resulting missed sessions or delays do not qualify for credits, extensions, or refunds.

Strategic Advisory Group

The Strategic Advisory Group is a coaching and advisory membership. The following terms apply to members for as long as their membership remains active.

Fees and Billing. Membership fees are billed automatically each month to the card on file. Except as required by applicable law, all payments are non-refundable. Access to the Strategic Advisory Group and its benefits continues only while your payments remain current.

Cancellation. You may cancel your membership by providing written notice to clients@rlassociatesllc.com at least thirty (30) days in advance. Cancellation takes effect at the end of the billing cycle following the notice period, and you remain responsible for all fees due during that notice period.

Late Payment and Good Standing. You must be in good standing, with all payments current, to access the Strategic Advisory Group and its benefits. If a payment is not received when due, we may suspend access until payment is made in full, and any resulting missed sessions or delays do not qualify for credits, extensions, or refunds.

In-Person or Virtual Masterminds and VIP Days with Ryan Levesque

Promotional Bundles and Conditional Bonuses. From time to time we offer promotional bundles in which a Mastermind or VIP Day seat, or another product or service (the “Bonus Item”), is offered together with a qualifying purchase (for example, a bulk book pre-order) (the “Qualifying Purchase”). The Bonus Item is not free in an absolute sense: it has a standard standalone price stated on the applicable offer page (the “Standard Price”), and when you complete and keep the Qualifying Purchase we apply a promotional discount or credit that reduces the price you pay for the Bonus Item (often to $0). The following terms apply:

The bundle is a single, integrated transaction, and the promotional discount on the Bonus Item is conditioned on your Qualifying Purchase being paid in full and remaining paid — not cancelled, refunded, returned, reversed, or charged back.
If you cancel, refund, return, reverse, charge back, or fail to pay in full the Qualifying Purchase, the promotional discount is automatically revoked and the Standard Price of the Bonus Item becomes immediately due and payable as the price for the Bonus Item you received. If you have already attended or accessed the Bonus Item, you authorize us to charge your payment method on file for the Standard Price (less any amount you actually paid and retained toward the Bonus Item). This charge is the price for the Bonus Item you received and is not a penalty.
Except as required by applicable law, attending or accessing any Bonus Item confirms the bundle and makes the entire bundle — including the Qualifying Purchase — non-refundable and non-transferable.
These terms are in addition to the Mastermind and VIP Day terms and the Books terms above. Where an offer page presents these bundle terms and obtains your agreement at checkout, those terms also apply to that offering.

From time to time, we offer Masterminds and VIP Days with Ryan Levesque, delivered in person at locations we designate and/or virtually via Zoom or another online platform. When we offer these, the following terms apply:

Application and Admission. Participation in any Mastermind or VIP Day is by application only. Submitting an application does not guarantee admission. Applications are reviewed at our sole discretion, and only selected applicants will be invited to complete payment to attend. Your seat is confirmed only upon our acceptance of your application and receipt of your payment in full.

Application Fee. Some Masterminds and VIP Days require a refundable application fee as specified on the applicable application or order page to be submitted with your application. If your application is not accepted, your application fee will be refunded to your original method of payment. If your application is accepted, your application fee will be applied toward the balance of your purchase and, once applied, is governed by the “Non-Refundable and Non-Transferable” terms in this section.

Non-Refundable and Non-Transferable. Except as required by applicable law, and except for a refundable application fee that is refunded because your application is not accepted, all payments for Masterminds and VIP Days, whether delivered in person or virtually, including any deposits, are strictly non-refundable and non-transferable, in whole or in part, regardless of whether you attend.

Once a Mastermind or VIP Day has taken place, or once you have accessed any portion of it, all payments for it are fully earned and non-refundable.

One Attendee Per Purchase. Each Mastermind or VIP Day purchase admits one (1) named individual only. Your seat is personal to you and may not be shared, split, assigned, transferred, resold, or substituted to or with any other person without our prior written consent, including by sharing any access link, login, or credentials for a virtual event. We reserve the right to deny entry or access to anyone other than the named, registered attendee.

Good Standing. You must be in good standing, with all payments current, to attend.

Event Changes, Rescheduling, and Cancellation. We may change the date, time, location, format (including moving an in-person event to a virtual format), agenda, speakers, or content of any Mastermind or VIP Day at any time. If we cancel a Mastermind or VIP Day and do not offer a replacement date or a comparable format, you will be offered a credit toward a future Mastermind or VIP Day. This does not otherwise change the non-refundable nature of your payment as described above.

Your Travel and Personal Costs. You are responsible for your own travel, lodging, meals, and other personal expenses related to attending an in-person Mastermind or VIP Day. We are not responsible for, and will not reimburse, any such costs if an event is changed, rescheduled, relocated, moved to a virtual format, or cancelled for any reason, including for circumstances beyond our reasonable control. We recommend that you make refundable travel arrangements or obtain travel insurance.

Separate Event Agreement. Attendance at or participation in a Mastermind or VIP Day may also be subject to a separate participation, confidentiality, and/or release agreement to be signed at or before the event. These Terms and Conditions govern your purchase; that separate agreement governs your participation and conduct at the event. In the event of a conflict between the two as to conduct at the event, the separate event agreement controls.

Modifications to the Site and Termination of Use or Access

RL & Associates, LLC reserves the right to take any of the actions listed below at any time, for any reason, and without notice: (1) modify, suspend, or terminate operation of or access to the Site or any portion thereof (2) modify or change the Site or any portion thereof, and (3) interrupt the operation of the Site or any portion thereof to perform maintenance or other changes. RL & Associates, LLC further has the exclusive right to terminate individual user’s access to the Site and related account(s) including but not limited to the Agency Subscription, 1:1 Private Client engagements, the Strategic Advisory Group, and in-person or virtual Masterminds and VIP Days with Ryan Levesque, for any reason including but not limited to any violation of the Terms and Conditions for this Site and/or the foregoing programs. You further agree that RL & Associates, LLC will not be liable to you or to any third party for termination of your access to the Site as a result of any violation of these Terms and Conditions.

Enforcement and Disclosure of Information

RL & Associates, LLC further reserves the right to disclose any information about you (including your identity) necessary for any investigation of any complaint related to your use of the Site and/or to bring legal action against you for damages caused to RL & Associates, LLC, and/or its customers by your violation of these Terms and Conditions. RL & Associates, LLC further reserves the right to disclose any information about you necessary to comply with any applicable law, regulation, legal process or governmental request.

In the event RL & Associates, LLC does take any legal action against you as a result of your violation of these Terms and Conditions, RL & Associates, LLC is entitled to recover from you all reasonable attorneys’ fees and costs of such action, in addition to any other relief that may be granted.

In the event RL & Associates, LLC does not strictly enforce one or more provisions of these Terms and Conditions, such action is not a waiver of that or any other provision of these Terms and Conditions against you or any other parties. Further, such conduct does not constitute a modification of any provision of these Terms and Conditions.

Class Action Waiver

You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations aren’t allowed.

The arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a class or representative proceeding or claims (such as a class action, consolidated action or private attorney general action) unless all relevant parties specifically agree to do so following initiation of the arbitration.

Security

You may access certain features or services offered on or through this Site through an account (e.g. the Agency Subscription, a 1:1 Private Client engagement, the Strategic Advisory Group, or an in-person or virtual Mastermind or VIP Day with Ryan Levesque). It is your responsibility to maintain the confidentiality of your account information, including your user name and password. Further, you are fully responsible for any and all activity that occurs through your account as a result of your failure to properly secure your confidential information. You agree to immediately advise us of any unauthorized use of your account, password, and any other breach of security. You may be held liable for losses incurred by us or any other user of or visitor to the Site due to the use of your account by someone else caused by your failure to properly secure your account information. Likewise, by accessing this Site you recognize that you are not entitled to use anyone else’s account and that RL & Associates, LLC is not liable for any damages caused by your improper use of another’s account.

Indemnity

You agree to indemnify and hold RL & Associates, LLC, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against RL & Associates, LLC, by any third party due to or arising out of or in connection with your use of the Site.

Force Majeure

We are not liable for any delay or failure to perform, or for any cancellation, rescheduling, or change to any program, product, service, or event, due to circumstances beyond our reasonable control, including but not limited to natural disasters, acts of God, fire, flood, severe weather, war, terrorism, civil unrest, pandemics, epidemics, public-health emergencies, labor disputes, supplier or venue failures, utility or internet outages, or government actions, orders, or restrictions. If such circumstances occur, we may postpone, reschedule, relocate, move to a virtual format, or cancel as we reasonably determine, and our obligations will be suspended for the duration of the event.

Severability

If any clause within this Provision (other than the Class Action Waiver clause above) is found to be illegal or unenforceable, that clause will be severed/eliminated to the minimum extent possible and replaced with a valid provision that best represents the intent and purpose of these Terms and Conditions, and the remainder of this Provision will be given full force and effect. If the Class Action Waiver clause is found to be illegal or unenforceable, this entire Provision will be unenforceable and the dispute will be decided by a court.

Electronic Communications and Consent

By using the Site or purchasing any program, product, or subscription, you consent to receive communications, agreements, disclosures, and notices from us in electronic form, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that your electronic acceptance (for example, clicking “I agree,” submitting an order, or continuing to use the Site) has the same legal effect as a handwritten signature and constitutes your agreement to these Terms and Conditions and any applicable program terms. You may withdraw this consent by contacting us, though doing so may prevent you from using certain features or services.

International Users

We serve clients in various countries, including the European Union and United Kingdom. If you are located in the EU or UK, our Privacy Policy explains how we process your personal data and describes your rights under the GDPR and UK GDPR, including how to contact us and, where applicable, our data protection representative. By using the Site, you consent to the transfer and processing of your information in the United States.

Contact Us

This Site is operated by RL & Associates, LLC, 4500 Williams Drive, Ste. #212-311, Georgetown, TX 78633, USA. Questions about these Terms and Conditions: contact@rlassociatesllc.com. Billing and program matters: clients@rlassociatesllc.com.

Agreement

By accessing this Site, you agree to abide and be bound by these Terms and Conditions.

Last Updated: July 1, 2026