BRICK BY BRICK EDUCATION LLC

Effective Date: April 7, 2026 | brickbybrick.website

PLEASE READ THESE TERMS OF SERVICE ("AGREEMENT") CAREFULLY BEFORE PURCHASING, ACCESSING, OR USING ANY PRODUCTS OR SERVICES OFFERED BY BRICK BY BRICK EDUCATION LLC ("Company," "we," "us," or "our"). BY COMPLETING A PURCHASE OR ACCESSING OUR CONTENT, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS AGREEMENT IN ITS ENTIRETY.

If you do not agree to these Terms, do not complete your purchase or access any of our content.

1. Parties & Acceptance

This Agreement is entered into between Brick by Brick Education LLC, a limited liability company organized under the laws of the State of Mississippi ("Company"), and you, the individual or entity completing a purchase ("User," "you," or "your"). This Agreement becomes binding upon your completion of any purchase transaction on brickbybrick.website.

2. Products & Services

The Company offers the following digital products and services (collectively, "Products"):

Course — a digital educational product delivered by email after purchase
Founder Package — current founder files delivered now, with AI Copilot and community included only when released
Parker Session — a paid service session with manual email follow-up after purchase
Rent Roll + Balancing Report — downloadable spreadsheet and PDF reference materials delivered by email
How to Get Tenants to Pay — downloadable PDF add-on delivered by email

All Products are delivered digitally. Nothing in this Agreement constitutes a guarantee of any specific financial outcome or investment result.

3. License Grant & Restrictions

Upon completing your purchase and payment in full, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the purchased Products solely for your own personal, non-commercial educational purposes.

You expressly agree that you will NOT, under any circumstances:

Copy, reproduce, duplicate, download, screenshot, record, or capture any portion of the course content, videos, materials, blueprints, templates, or AI Co-Pilot outputs for any purpose other than personal use
Share, distribute, resell, sublicense, lease, lend, or otherwise transfer access to any Product to any third party, whether for compensation or free of charge
Upload, post, publish, or transmit any Product content to any website, social media platform, file-sharing service, messaging group, or any other medium
Use any Product content to create derivative works, competing products, courses, coaching programs, or educational materials
Remove, alter, or obscure any proprietary notices, watermarks, or copyright markings from any content
Use automated tools, bots, scrapers, or any other means to systematically extract content from the platform
Share login credentials, account access, or any means of bypassing the Company's access controls with any other person
Use the AI Co-Pilot to generate outputs intended for resale, redistribution, or commercial use

Any unauthorized use constitutes a material breach of this Agreement and may result in immediate termination of access without refund, as well as legal action.

4. Intellectual Property

All content, materials, videos, scripts, frameworks, templates, blueprints, AI outputs, course structures, branding, and any other materials provided by the Company are the exclusive intellectual property of Brick by Brick Education LLC and are protected by United States copyright law, trade secret law, and other applicable intellectual property laws.

Your purchase grants you a license to use the Products as described herein. It does not transfer any ownership rights to you. All rights not expressly granted are reserved by the Company.

The Brick by Brick name, logo, and brand identifiers are proprietary to the Company. You may not use them for any purpose without prior written consent.

5. Payment Terms

All purchases are one-time payments as displayed at the time of checkout. Prices are in U.S. dollars. The Company reserves the right to modify pricing at any time without notice, provided that any pricing change will not affect completed purchases.

Payment is processed through third-party payment processors. By providing payment information, you authorize the Company to charge the full purchase amount. The Company does not store payment card information.

6. Refund Policy

The Course and Founder Package include a 100% money-back guarantee. If you do not feel prepared to buy your first investment property after taking the course, email support@brick-support.com from the purchase address with the product name and purchase date.

The Parker Session is not refundable. It is a paid manual service handled by email after purchase.

The Rent Roll + Balancing Report and the How to Get Tenants to Pay PDF add-on are digital download products. Except where required by law, those digital download products are non-refundable once delivered to the email address used at checkout.

If a delivery email is missing, inaccessible, or the attached file is broken, the buyer must contact support@brick-support.com so the Company can verify the Stripe transaction and resend the files if appropriate.

Founder Package buyers receive the current files now, while AI Copilot and community are included only when released and are not live at the time of purchase.

Initiating a chargeback or payment dispute without first contacting the Company constitutes a breach of this Agreement. The Company reserves the right to pursue all available legal remedies for fraudulent chargebacks, including recovery of the disputed amount plus legal fees.

7. Educational Purpose & No Financial Advice

ALL CONTENT, MATERIALS, COURSES, BLUEPRINTS, AND AI CO-PILOT OUTPUTS ARE PROVIDED SOLELY FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES. NOTHING CONTAINED IN ANY BRICK BY BRICK PRODUCT CONSTITUTES FINANCIAL ADVICE, INVESTMENT ADVICE, LEGAL ADVICE, TAX ADVICE, OR A RECOMMENDATION TO BUY, SELL, OR HOLD ANY ASSET OR ENGAGE IN ANY SPECIFIC REAL ESTATE TRANSACTION.

The Company and its principals are real estate operators sharing their personal experience. They are not licensed financial advisors, investment advisors, attorneys, or accountants. Past results, including the Company's own portfolio performance, are not indicative of future results. Real estate investing involves significant risk, including the potential loss of capital.

You acknowledge that you are solely responsible for any investment or financial decisions you make and that you will consult qualified licensed professionals before making any such decisions.

8. AI Co-Pilot Disclaimer

If and when released, the AI Co-Pilot is an educational tool only. It does not have access to real-time market data, your personal financial situation, or jurisdiction-specific legal requirements. AI systems can produce inaccurate, incomplete, or outdated information. You agree to independently verify any information provided by the Co-Pilot before acting on it.

The Company expressly disclaims all liability for any decisions made or actions taken in reliance on AI Co-Pilot outputs.

9. Disclaimer of Warranties

THE PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. THE COMPANY MAKES NO WARRANTY THAT THE PRODUCTS WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. THE COMPANY MAKES NO WARRANTY REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OWNERS, MEMBERS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST REVENUE, LOST DATA, OR ANY INVESTMENT LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE PRODUCTS, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its owners, members, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Products; (b) your violation of this Agreement; (c) your violation of any applicable law or regulation; or (d) any investment or financial decisions you make based on content from the Products.

12. Termination

The Company may terminate or suspend your access to any or all Products immediately, without prior notice or liability, for any breach of this Agreement, including but not limited to unauthorized sharing of content. Upon termination, your license to use the Products ceases immediately and no refund will be issued.

13. Mandatory Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS AND REQUIRES YOU TO RESOLVE DISPUTES THROUGH INDIVIDUAL ARBITRATION RATHER THAN IN COURT.

13.1 Agreement to Arbitrate. Except as provided below, you and the Company agree that any and all disputes, claims, or controversies arising out of or relating to this Agreement, the Products, or any aspect of the relationship between you and the Company — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory — shall be resolved exclusively through final and binding individual arbitration rather than in court.

13.2 Arbitration Rules. Arbitration shall be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, which are available at www.adr.org. If the AAA is unavailable, the parties shall agree on an alternative arbitration provider. The arbitration shall be conducted in Mississippi or, at your election, via telephone or video conference.

13.3 Arbitrator Authority. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this Agreement, including any claim that all or any part of this Agreement is void or voidable. The arbitrator may award any relief that a court could award, but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

13.4 Arbitration Fees. Filing fees and arbitrator compensation shall be governed by the AAA Consumer Arbitration Rules. For claims under $10,000, the Company will pay all AAA filing fees. Each party shall bear its own attorneys' fees unless the arbitrator determines a party's claim was frivolous.

13.5 Opt-Out Right. You may opt out of this arbitration agreement by sending written notice to support@brick-support.com within thirty (30) days of first accepting these Terms. Your opt-out notice must include your name, email address used for purchase, and a clear statement that you are opting out of arbitration. Opting out does not affect any other provision of this Agreement.

13.6 Exceptions. Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm, including without limitation claims related to intellectual property infringement, unauthorized use of content, or breach of confidentiality obligations. Such court action shall not waive the right to arbitrate other claims.

13.7 Survival. This arbitration agreement shall survive termination of this Agreement and any relationship between you and the Company.

14. Class Action & Collective Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND THE COMPANY EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING, WHETHER IN ARBITRATION OR IN COURT.

14.1 Individual Claims Only. All disputes must be brought in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

14.2 Severability of Waiver. If for any reason a court or arbitrator finds that the class action waiver in this Section is unenforceable as to a particular claim or request for relief, then that specific claim or request for relief shall be severed from the arbitration and may be litigated in court, while all other claims shall remain subject to arbitration on an individual basis.

14.3 No Consolidation. Claims by different users of the Products may not be consolidated or joined in any proceeding. You agree that the breach of this provision would cause irreparable harm to the Company for which monetary damages would be inadequate, and the Company shall be entitled to seek injunctive relief without the requirement of posting bond.

15. Accessibility & ADA Compliance

15.1 Commitment to Accessibility. Brick by Brick Education LLC is committed to making its digital Products and website reasonably accessible to individuals with disabilities. The Company strives to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards to the extent practicable for a small business digital platform.

15.2 Known Limitations. While the Company makes good-faith efforts to ensure accessibility, some content — including video materials, AI-generated outputs, and downloadable documents — may not yet be fully optimized for all assistive technologies. The Company does not represent that its Products are fully compliant with all requirements of the Americans with Disabilities Act ("ADA"), Section 508 of the Rehabilitation Act, or any other accessibility law or regulation.

15.3 Accessibility Requests. If you encounter accessibility barriers or require an accommodation to access any Product, please contact the Company at support@brick-support.com with a description of the barrier and the accommodation requested. The Company will make reasonable efforts to respond within ten (10) business days and to provide an accommodation where feasible.

15.4 Limitation of Liability for Accessibility. To the maximum extent permitted by law, the Company's liability for any accessibility-related claim shall be limited to making reasonable good-faith efforts to provide an accommodation upon notice. The Company shall not be liable for any damages arising from accessibility limitations of third-party platforms, payment processors, video hosting services, or AI providers used in connection with the Products.

15.5 Third-Party Platforms. Certain features of the Products are delivered through third-party platforms and services. The accessibility of those platforms is governed by their own policies and is outside the Company's direct control.

16. Governing Law

Except as modified by the arbitration agreement in Section 13, this Agreement shall be governed by and construed in accordance with the laws of the State of Mississippi, without regard to conflict of law principles. For any matters not subject to arbitration, the parties consent to exclusive jurisdiction in the state or federal courts located in Mississippi.

Before initiating any legal action, you agree to contact the Company at support@brick-support.com and attempt to resolve the dispute informally for a period of thirty (30) days.

17. Changes to This Agreement

The Company reserves the right to modify this Agreement at any time. Changes will be effective upon posting to brickbybrick.website. Your continued use of the Products after any modification constitutes your acceptance of the updated Agreement. It is your responsibility to review this Agreement periodically.

18. Entire Agreement & Severability

This Agreement constitutes the entire agreement between you and the Company with respect to its subject matter and supersedes all prior agreements, representations, and understandings. If any provision of this Agreement is found to be unenforceable, the remaining provisions will continue in full force and effect.

19. Contact

For questions regarding this Agreement, contact:

Brick by Brick Education LLC

Email: support@brick-support.com

Website: brickbybrick.website

BY COMPLETING YOUR PURCHASE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS TERMS OF SERVICE AGREEMENT, INCLUDING THE MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER.