1. Agreement to Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and TDA Trust, doing business as CL Trust Solutions ("CL Trust Solutions," "Company," "we," "us," or "our"), governing your access to and use of the website located at cltsondemand.com and cltrustsolutions.com, and all associated subdomains, member portals, AI-powered platforms, subscription services, educational content, and any other services provided by CL Trust Solutions (collectively, the "Services").

These Terms apply to all visitors, registered users, subscribers, and members regardless of subscription tier, membership status, or method of access. CL Trust Solutions reserves the right to modify these Terms at any time. Continued use of the Services following notice of any modification constitutes binding acceptance of the revised Terms.

2. Description of Services

CL Trust Solutions is a private-based educational organization providing members and the general public with access to the following Services, each governed by these Terms:

• Live Weekly Call Archive: Access to live and recorded weekly educational call sessions covering trust strategy, asset protection, and tax planning.
• AI Archive Intelligence Platform: An AI-powered search and query platform trained on CLTS call content, powered by OpenAI technology.
• AI+ Trust Packages: Subscription bundles combining educational content access with a conditional trust portal benefit upon completion of qualifying payment milestones.
• Member Resource Portals: Private trust resources, tax preparation assistance portals, and advanced member content libraries.
• Support and Referral Services: Member support ticketing and referral program administration.

All Services are provided for educational and informational purposes only. Nothing within the Services constitutes legal advice, tax advice, financial advice, or a fiduciary relationship of any kind. CL Trust Solutions is not a law firm, accounting firm, or licensed financial advisory service.

3. Eligibility

You must be at least 18 years of age to access or use any part of the Services. By using the Services, you represent and warrant that you are of legal age in your jurisdiction to enter into a binding contract, that you have the legal capacity to do so, and that your use of the Services does not violate any applicable law or regulation. CL Trust Solutions reserves the right to terminate access for any User who misrepresents their eligibility.

4. Subscription Billing and No-Refund Policy

By initiating a subscription or completing a purchase through our platform, you expressly acknowledge and agree to all of the following:

• All subscription fees are charged on a recurring monthly basis and are non-refundable under any circumstances, including but not limited to dissatisfaction with content, failure to access the platform, changes in personal circumstances, disputes regarding trust timelines, or cancellation after a billing cycle has begun.
• No partial refunds, prorated refunds, credit adjustments, or exceptions to this policy will be granted for any reason whatsoever.
• Chargebacks, payment disputes, or reversals initiated without prior written consent from CL Trust Solutions are considered a material breach of these Terms and may result in immediate termination of your account, forfeiture of all accrued payment milestones, and recovery of any costs incurred by the Company in defending the dispute.
• Your remedy, if you are dissatisfied with the Services for any reason, is to cancel your subscription. Cancellation stops future billing immediately. No amounts previously charged will be refunded.
• CL Trust Solutions is not obligated to issue refunds as a result of technical issues, platform downtime, content changes, or any other operational circumstance, provided that the Company makes commercially reasonable efforts to restore access in a timely manner.

There are no exceptions to this policy. By completing checkout, you confirm you have read, understood, and unconditionally accepted this No-Refund Policy.

5. AI+ Trust Package: Qualification Requirements and Conditions

The AI+ Trust Package is a subscription-based membership that includes educational content access and a conditional trust portal benefit. The following terms govern all aspects of the trust portal benefit and must be read carefully before purchase.

5.1 Twelve Consecutive Payment Requirement

• Payments must be consecutive. Any lapse, failed payment, chargeback, or voluntary cancellation that interrupts the consecutive payment sequence resets the qualification clock, subject to the grace period described in Section 5.2.
• During the twelve-month qualification period, you will have access to all educational content included in your subscription tier, including weekly calls, AI archive access, and any special events designated for AI+ Trust Package subscribers.
• Access to educational content during the qualification period does not constitute, imply, or create any obligation on the part of CL Trust Solutions to provide trust-related services prior to the completion of twelve consecutive payments.
• CL Trust Solutions bears no responsibility whatsoever for your trust formation, trust management, or trust-related outcomes during the qualification period.

5.2 Payment Gap and Reinstatement Policy

If a subscriber's consecutive payment sequence is interrupted for any reason and the subscriber subsequently returns to active subscription status, the following conditions apply:

• If the gap between the last successful payment and the reinstatement of an active subscription is 60 days or fewer, previously accrued consecutive payments will be credited toward the twelve-payment qualification requirement upon reinstatement.
• If the gap between the last successful payment and reinstatement exceeds 60 calendar days, all previously accrued payment milestones are permanently forfeited and the twelve-payment consecutive requirement restarts at zero from the date of reinstatement.
• CL Trust Solutions reserves the sole and exclusive right to determine, verify, and adjudicate payment history and milestone eligibility. Its determination shall be final and binding.
• Reinstatement of a subscription does not guarantee continuity of any prior milestone credit. The subscriber bears full responsibility for maintaining uninterrupted subscription status.

5.3 Trust Initiation Window

Upon satisfaction of the twelve consecutive payment requirement, the subscriber receives a conditional trust initiation window subject to all of the following:

• The subscriber has 120 calendar days from the date of their twelth consecutive successful payment to initiate the trust formation process by submitting a support ticket to CL Trust Solutions requesting confirmation of eligibility.
• CL Trust Solutions is under no obligation to notify, remind, or alert the subscriber that their twelve-month anniversary has been reached. The subscriber is solely and exclusively responsible for tracking their own payment anniversary date and initiating contact within the 120-day window.
• Failure to submit a support ticket within 120 days of the twelfth payment forfeits the trust initiation benefit entirely. The trust portal benefit will not be reinstated, extended, or rescheduled under any circumstances in such event.
• To initiate the trust process, the subscriber must submit a support ticket through the official support portal at support.html stating that they believe they have completed their twelve consecutive payments and requesting eligibility confirmation. CL Trust Solutions will verify and respond.
• Following eligibility confirmation, the subscriber will receive instructions regarding the submission of required homework assignments necessary to receive a draft trust document.

5.4 Nature of the Trust Benefit

• CL Trust Solutions makes no representation, warranty, or guarantee regarding the legal enforceability, suitability, or fitness for purpose of any trust document or trust-related material provided through the trust portal benefit.
• The Company is not a licensed attorney or law firm. Trust-related materials are provided for educational and organizational purposes only. Independent legal counsel should be consulted prior to executing any trust instrument.
• If any error, omission, or issue arises with respect to a trust document or trust portal deliverable, CL Trust Solutions reserves the right to remedy the issue at its sole discretion. No such remedy entitles the subscriber to additional subscription credits, refunds, extensions of the qualification period, or any other form of compensation.
• For Creditor's Package subscribers, additional processing time may be required due to complexity or circumstances outside the Company's control. CL Trust Solutions will make commercially reasonable efforts to complete deliverables in a timely manner but does not guarantee completion within any specific timeframe.

5.5 Limitation of Responsibility During Qualification Period

During the twelve-month qualification period, CL Trust Solutions' obligations to AI+ Trust Package subscribers are strictly limited to the following:

• Maintaining reasonable uptime and availability of the online subscription platform and educational content.
• Ensuring that subscribed content, call recordings, AI archive access, and member resources are functional and accessible.
• Processing subscription billing accurately and providing receipts.

CL Trust Solutions assumes no responsibility of any kind for trust-related outcomes, asset protection outcomes, tax outcomes, financial outcomes, or any other result arising from a subscriber's use of educational content during the qualification period. The Company's sole obligation during this period is to provide access to the Services for which the subscription fee has been paid.

6. General Public and Non-Member Subscribers

CL Trust Solutions offers certain subscription tiers open to members of the general public who do not hold a CLTS trust membership. By subscribing as a general public member, you acknowledge and agree to all of the following without exception:

• General public subscribers receive access solely to the services specified in their chosen subscription tier at the time of purchase. No additional services, benefits, or deliverables are implied, promised, or owed.
• General public subscribers who have not separately purchased a trust package through a CLTS membership agreement are not entitled to any trust-related service, deliverable, consultation, or benefit of any kind.
• Access to weekly call recordings, AI Archive Intelligence Platform content, or any other educational material does not create any obligation on the part of CL Trust Solutions to provide individualized advice, guidance, trust formation assistance, or ongoing support beyond the content itself.
• General public subscribers who are dissatisfied with the Services for any reason may cancel their subscription at any time. No refunds will be issued under any circumstances. See Section 4.
• CL Trust Solutions reserves the right to modify, limit, or discontinue any service tier available to the general public at any time without prior notice or liability.

7. Intellectual Property and Content Restrictions

All content available through the Services, including but not limited to call recordings, transcripts, AI-generated responses, written materials, graphics, logos, software, and platform design, is the exclusive intellectual property of CL Trust Solutions or its licensors and is protected by applicable copyright, trademark, and intellectual property law.

• You may access content solely for your own personal, non-commercial educational use. No content may be downloaded, reproduced, redistributed, resold, broadcast, publicly displayed, or used to create derivative works without the prior express written consent of CL Trust Solutions.
• Sharing of login credentials, account access, or subscription content with non-subscribers constitutes a material breach of these Terms and will result in immediate account termination without refund.
• Unauthorized reproduction or distribution of any CLTS content may subject you to civil and criminal liability under applicable law.

8. AI-Powered Platform Terms and Limitations

The AI Archive Intelligence Platform is powered by OpenAI technology and is trained exclusively on CL Trust Solutions educational call content. By using any AI-powered feature of the Services, you agree to the following:

• AI-generated responses are provided for educational reference only and do not constitute legal, financial, or tax advice of any kind.
• CL Trust Solutions does not guarantee the accuracy, completeness, or currency of AI-generated responses. You assume all risk associated with reliance on AI-generated content.
• Queries submitted to the AI platform may be transmitted to and processed by OpenAI's systems pursuant to OpenAI's own Terms of Use and Privacy Policy. CL Trust Solutions disclaims all responsibility for OpenAI's data handling practices.
• You must not submit personally identifiable information, confidential legal or financial information, or sensitive data through the AI query interface.
• Misuse of the AI platform, including attempts to extract proprietary content, reverse-engineer platform functionality, or submit abusive queries, constitutes a material breach of these Terms.

9. Account Termination and Suspension

CL Trust Solutions reserves the right to suspend or terminate your account, cancel your subscription, and revoke all access to the Services at any time, with or without notice, for any of the following reasons:

• Breach of any provision of these Terms.
• Initiation of a chargeback, payment dispute, or reversal without prior written authorization from CL Trust Solutions.
• Sharing, redistributing, or reselling access to Services or content.
• Fraudulent, abusive, or disruptive conduct toward CL Trust Solutions staff or members.
• Failure to maintain consecutive subscription payments in accordance with Section 5.
• Any conduct that CL Trust Solutions, in its sole discretion, determines to be harmful to the Company, its members, or its Services.

Termination for cause results in immediate forfeiture of all subscription fees paid, all accrued payment milestones, and all conditional benefits including any trust initiation eligibility. No refunds will be issued upon termination for cause.

10. Disclaimer of Warranties

No oral or written statement, representation, or commitment made by any CL Trust Solutions representative, whether in a call recording, email, support ticket, or otherwise, shall create any warranty not expressly set forth in these Terms.

11. Limitation of Liability

To the maximum extent permitted by applicable law, CL Trust Solutions, its owners, officers, agents, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, including but not limited to lost profits, lost data, loss of goodwill, business interruption, or personal injury, arising from or related to your use of or inability to use the Services, even if advised of the possibility of such damages.

In no event shall CL Trust Solutions's total cumulative liability to you for any and all claims arising out of or related to these Terms or the Services exceed the total amount of subscription fees actually paid by you to CL Trust Solutions in the three (3) months immediately preceding the event giving rise to the claim.

12. Indemnification

You agree to defend, indemnify, and hold harmless CL Trust Solutions and its owners, officers, agents, contractors, and affiliates 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 Services; (b) your breach of any provision of these Terms; (c) any content or information you submit to the platform; (d) your violation of any applicable law or third-party right; or (e) any dispute between you and a third party.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which CL Trust Solutions is principally organized, without regard to conflict of law principles. Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved through good-faith negotiation shall be resolved exclusively through binding individual arbitration administered under commercially accepted arbitration rules. You waive any right to participate in a class action lawsuit or class-wide arbitration.

You agree that any arbitration or legal proceeding shall be conducted on an individual basis only. Consolidation of claims with any other party is not permitted without the express written consent of CL Trust Solutions.

14. Miscellaneous Provisions

• Entire Agreement: These Terms, together with the Privacy Policy and any applicable subscription agreement, constitute the entire agreement between you and CL Trust Solutions with respect to the Services and supersede all prior agreements, representations, and understandings.
• Severability: If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and all remaining provisions shall remain in full force and effect.
• No Waiver: Failure by CL Trust Solutions to enforce any provision of these Terms shall not constitute a waiver of that provision or of any other provision.
• Assignment: You may not assign or transfer any rights or obligations under these Terms without the prior written consent of CL Trust Solutions. CL Trust Solutions may freely assign these Terms.
• Headings: Section headings are for convenience only and shall not affect the interpretation of these Terms.
• Force Majeure: CL Trust Solutions shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including acts of God, government action, natural disaster, labor disputes, or third-party platform failures.

15. Contact Information

Questions, concerns, or notices regarding these Terms must be submitted through the official CL Trust Solutions support portal. We do not accept legal notices via social media, third-party platforms, or unofficial channels.