Terms of Purchase,
Use & Refund Policy

Parties to this Agreement

This agreement is between Trystan Trenberth, operating as Midlife to Millions ("Company," "we," "us"), based in Phoenix, Arizona, and the individual completing purchase ("Client," "you"). By completing payment you confirm you have read, understood, and agreed to these terms.

Nature of the Product — Educational Content

The Midlife to Millions 90-Day Program and all associated products including the Midlife Money Map™ are educational programs delivering financial literacy content, frameworks, planning tools, and implementation coaching.

Immediate Value Delivery & No-Refund Policy

3a. Immediate Access

Upon payment completion, Client receives immediate access to digital program materials including the Midlife Money Map™ assessment kit, planning tools, workbooks, and onboarding resources. This constitutes immediate delivery of a substantial portion of the purchased value.

3b. All Sales Are Final

• Digital content is delivered immediately upon payment and cannot be returned, recalled, or undelivered
• Access to materials, tools, and community constitutes irrevocable value delivery
• The no-refund policy is a material term of this agreement and a condition of the pricing offered
• Client has had sufficient opportunity to evaluate the program through free content, webinar, and challenge materials prior to purchase
• Client had the opportunity to book a free strategy call prior to enrollment to ask questions

Under Arizona Revised Statutes and applicable consumer protection law, digital products with immediate delivery and clear pre-purchase disclosure of a no-refund policy are enforceable as final sales.

3c. Chargebacks & Payment Disputes

The "Do The Work" Commitment

The Company makes no guarantee of specific financial outcomes, returns, or results. Results depend entirely on Client's individual circumstances, effort, implementation, and factors outside the Company's control.

Program Completion Requirements

To be eligible for the conditional satisfaction commitment in Section 4, Client must:

• Complete the Midlife Money Map™ assessment within 7 days of enrollment
• Attend or watch recordings of a minimum of 10 of 12 live implementation calls
• Submit completed Financial Inventory Sheet prior to Phase 2
• Submit completed Strategy Blueprint by Day 75
• Request satisfaction commitment activation in writing within 5 days of program completion date

Failure to meet any of the above requirements voids the conditional commitment entirely.

Program Access & Intellectual Property

All program materials, tools, frameworks, workbooks, recordings, and content are the exclusive intellectual property of Trystan Trenberth / Midlife to Millions. Client receives a limited, non-transferable, non-sublicensable personal license to access and use materials for personal, non-commercial purposes only.

Client may not reproduce, share, sell, distribute, or create derivative works from any program material without express written consent. Violation of this section entitles the Company to immediately terminate Client's access without refund and pursue damages under applicable intellectual property law.

Cohort Enrollment & Schedule

Client enrolls in a specific cohort with defined start and end dates. The Company reserves the right to adjust scheduling, call times, and delivery format with reasonable notice. Missed sessions do not entitle Client to a refund or partial credit. Recordings will be made available where technically possible.

Partner & Third-Party Introductions

As a program benefit, the Company may introduce Client to third-party professionals including but not limited to insurance specialists and self-directed IRA trustees. These introductions are provided as a courtesy only.

Community Standards

Access to any private community, group, or communication channel is a privilege, not a right. The Company reserves the right to remove any Client from community spaces for conduct deemed disruptive, disrespectful, or harmful to other participants, without refund.

Limitation of Liability

To the maximum extent permitted under Arizona law, the Company's total liability to Client for any claim arising from this agreement shall not exceed the total amount paid by Client for the program. The Company shall not be liable for indirect, incidental, consequential, or punitive damages of any kind.

Client assumes full responsibility for all financial decisions made in connection with or following participation in this program.

Dispute Resolution

Any dispute arising from this agreement shall be governed by the laws of the State of Arizona. The parties agree to first attempt resolution through good-faith negotiation for a period of 30 days. If negotiation fails, disputes shall be resolved by binding arbitration in Maricopa County, Arizona under the rules of the American Arbitration Association.

Entire Agreement

These terms constitute the entire agreement between the parties and supersede all prior representations, warranties, or understandings. If any provision is found unenforceable by a court of competent jurisdiction, the remaining provisions continue in full force and effect.

Acceptance