Terms of Service

These Terms of Service ("Terms") are a binding legal agreement between you ("you," "your," or "User") and Leroy House Labs LLC, a limited liability company ("Leroy House Labs LLC," "we," "us," or "our"), governing your access to and use of The Come Up Crewand any related websites, mobile apps, content, tools, calculators, and services we make available (collectively, the "Service"). By accessing, downloading, installing, registering for, or otherwise using the Service, you agree to be bound by these Terms, our Privacy Policy, and our Educational Disclaimer. If you do not agree, do not use the Service.

You must be at least 18 years old and able to form a binding contract under applicable law to use the Service. You represent that all information you provide is accurate, current, and complete. The Service is offered for use only in jurisdictions where it is lawful.

THE SERVICE IS A GENERAL FINANCIAL EDUCATION TOOL. IT IS NOT, AND IS NOT INTENDED TO BE, A SUBSTITUTE FOR PROFESSIONAL ADVICE.

All content, lessons, calculators, projections, "paths," recommendations, examples, quizzes, and any other materials made available through the Service (collectively, the "Content") are provided for general informational and educational purposes only. The Content does not constitute, and must not be relied upon as:

• investment advice or a recommendation to buy, sell, or hold any security, cryptocurrency, or other asset;
• financial, tax, accounting, legal, insurance, real estate, mortgage, credit, or retirement planning advice;
• an offer or solicitation to buy or sell any financial product or service;
• a guarantee of any income, return, savings, credit score, employment, or homeownership outcome.

Leroy House Labs LLC is not a registered investment adviser, broker-dealer, financial planner, tax preparer, attorney, mortgage broker, credit counselor, or fiduciary, and no relationship of that kind is created by your use of the Service. You should consult licensed professionals before making any financial decision. Past performance and historical examples (including any references to public figures or third parties) are not indicative of future results.

You are responsible for all activity under your account and for keeping your credentials confidential. You agree not to:

• use the Service for any unlawful, fraudulent, or harmful purpose;
• copy, scrape, mirror, resell, sublicense, or commercially exploit any part of the Service or Content without our written permission;
• reverse engineer, decompile, or attempt to extract the source code of the Service;
• interfere with or disrupt the Service, its servers, or networks, or bypass any security, rate-limit, or access-control measure;
• upload viruses, malicious code, or content that infringes any third party's rights;
• impersonate any person, misrepresent your affiliation, or harvest information about other users.

The Service, including all Content, software, designs, logos, trademarks, curricula, and the "look and feel," is owned by Leroy House Labs LLC or its licensors and is protected by U.S. and international copyright, trademark, and other laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial educational use, subject to these Terms. All rights not expressly granted are reserved.

Third-party names, marks, videos, or quotes that appear in the Service are the property of their respective owners and are referenced for educational and commentary purposes only. Their appearance does not imply endorsement of, or affiliation with, the Service.

If you submit content (including profile data, goals, notes, or feedback) through the Service ("User Content"), you grant Leroy House Labs LLC a worldwide, royalty-free, perpetual, irrevocable, sublicensable, transferable license to use, store, reproduce, modify, create derivative works of, and display that User Content solely to operate, improve, and promote the Service. You represent that you have all necessary rights to grant this license and that your User Content does not violate any law or third-party right.

The Service may embed or link to third-party content (including YouTube videos, articles, and tools). We do not control and are not responsible for third-party content, services, or practices. Your use of third-party services is governed by their own terms and privacy policies.

The Service offers an optional feature that lets you export your personalized 7-year plan as a PDF. To use it, you provide your email address. By submitting your email, you agree to the following:

• Primary purpose: your email is used to deliver and/or save a copy of your 7-year plan so you can access it later.
• No selling, no spam: we will not sell, rent, or share your email address with third-party advertisers, and we will not use it to pitch you unrelated products or services.
• Staying in touch: from time to time we may email you genuinely relevant articles, lessons, and resources intended to help you on your financial journey. That's it.
• Opt out anytime: every email we send includes a one-click unsubscribe link, and you can also request removal by emailing legal@thecomeupcrew.ai.

THE SERVICE AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

To the maximum extent permitted by law, Leroy House Labs LLC disclaims all warranties, including merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, security, availability, and that the Service will be uninterrupted or error-free. You use the Service at your sole risk. Any reliance you place on Content or on any financial outcome suggested by the Service is strictly at your own risk.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Leroy House Labs LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST SAVINGS, INVESTMENT LOSSES, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE OR CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Leroy House Labs LLC'S TOTAL AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU ACTUALLY PAID TO Leroy House Labs LLC FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

You agree to defend, indemnify, and hold harmless Leroy House Labs LLC and its officers, members, employees, contractors, affiliates, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms or any law; or (d) any financial, tax, or legal decision you make in reliance on the Service.

You acknowledge that financial decisions involve risk, including the risk of partial or total loss. Income projections, savings paths, debt-payoff timelines, home-affordability ranges, and investment examples shown in the Service are illustrative only and depend on assumptions that may not match your situation. You assume full responsibility for evaluating the suitability of any decision you make.

We may suspend or terminate your access to the Service at any time, with or without notice, including if we believe you have violated these Terms. You may stop using the Service at any time. Sections that by their nature should survive termination (including Sections 3, 5, 6, 8–11, 13, and 14) will survive.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules.

BINDING INDIVIDUAL ARBITRATION. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") will be resolved exclusively by final and binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, conducted in English in Wilmington, Delaware (or remotely at the arbitrator's discretion). Judgment on the award may be entered in any court of competent jurisdiction.

CLASS-ACTION AND JURY WAIVER. YOU AND Leroy House Labs LLC 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, OR REPRESENTATIVE PROCEEDING. YOU AND Leroy House Labs LLC WAIVE ANY RIGHT TO A JURY TRIAL.

30-Day Opt-Out: You may opt out of this arbitration agreement by emailing legal@thecomeupcrew.ai within thirty (30) days of first accepting these Terms with the subject line "Arbitration Opt-Out" and your full name. If you opt out, Disputes will be resolved in the state or federal courts located in Wilmington, Delaware, and you and Leroy House Labs LLC consent to personal jurisdiction there.

Time Limit: Any Dispute must be filed within ONE (1) YEAR after the cause of action arose; otherwise it is permanently barred.

We may modify the Service or these Terms at any time. If we make material changes, we will update the "Effective" date above and, where appropriate, provide additional notice. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

These Terms, together with the Privacy Policy and Educational Disclaimer, are the entire agreement between you and Leroy House Labs LLC regarding the Service. If any provision is held unenforceable, the remainder will remain in full force. Leroy House Labs LLC's failure to enforce any right is not a waiver. You may not assign these Terms; Leroy House Labs LLC may assign freely. Notices to you may be sent to the email associated with your account or posted in the Service.

Leroy House Labs LLC
Email: legal@thecomeupcrew.ai