TERMS AND CONDITIONS

McElderry Ventures LLC

Please read these Terms and Conditions carefully before purchasing or participating in any coaching, consulting, educational, or mentorship services offered by McElderry Ventures LLC, operating as Kairos Syndicate and Leverage University (collectively referred to as "the Company," "we," "us," or "our"). By purchasing, enrolling in, or participating in any program, service, or offering, you ("Client," "you," or "your") agree to be bound by these Terms and Conditions in full.

1. NATURE OF SERVICES

McElderry Ventures LLC provides the following categories of services:

Life Architecture Coaching. Personal development, identity work, mindset coaching, and life design consulting delivered through 1:1 mentorship, group programs, community membership, and digital content.

Financial Education. General educational content related to personal finance, wealth philosophy, savings strategies, and financial literacy. This content is educational in nature and is intended to inform, not to direct specific financial decisions.

Business Credit Strategy. Educational guidance on the process of building and managing business credit profiles, including vendor account strategies, credit sequencing, and general business funding education.

Trading Education. General educational content related to trading concepts, market awareness, and trading skill development delivered through Leverage University. This includes community access, instructional content, and coaching support.

2. NOT FINANCIAL, LEGAL, OR INVESTMENT ADVICE

The services provided by McElderry Ventures LLC, including all coaching sessions, written materials, community content, email communications, and verbal guidance, are for educational and informational purposes only.

Nothing communicated by the Company or its founder, Dr. Bryan McElderry, constitutes financial advice, investment advice, legal advice, tax advice, or a guarantee of financial outcome. Dr. Bryan McElderry is not a licensed financial advisor, registered investment advisor, securities broker, or attorney.

Participation in trading education does not guarantee trading profits. All trading and investing involves risk, including the risk of loss of principal. Past results discussed in any program or community are not indicative of future results. The Company makes no representation that any client will achieve specific financial outcomes as a result of participating in any service.

You acknowledge that any financial decisions you make, including but not limited to opening credit accounts, making trades, purchasing assets, or making investments, are made at your sole discretion and risk.

3. NO GUARANTEE OF RESULTS

The Company does not guarantee specific outcomes from participation in any coaching, mentorship, educational program, or community. Results vary based on individual effort, circumstances, market conditions, economic factors, and other variables outside the Company's control.

Testimonials and case studies shared by the Company reflect the experiences of specific clients under specific circumstances and are not a guarantee or prediction of your results.

You acknowledge that coaching and educational services require your active participation, consistent engagement, timely completion of agreed actions, and personal accountability in order to produce results. The Company is not responsible for outcomes that are affected by your failure to engage consistently, follow agreed guidance, or take timely action on recommendations provided.

4. BUSINESS CREDIT AND FINANCIAL STRATEGY DISCLAIMER

Business credit education and strategy guidance provided by the Company is general in nature. The Company does not guarantee specific credit approvals, credit limit amounts, or funding outcomes. Credit decisions are made solely by financial institutions based on their own criteria, which are outside the Company's control.

Clients are responsible for understanding the terms, conditions, and obligations of any credit account, loan, or financial product they open or apply for, including interest rates, promotional periods, payment due dates, and reporting structures.

The Company strongly advises all clients to read all financial product agreements carefully before signing and to make payments on time as required by the terms of any credit agreement. Late payments, missed payments, or mismanagement of credit accounts may result in fees, interest charges, credit limit reductions, or other consequences that are the sole responsibility of the client.

The Company is not liable for any financial consequences arising from a client's failure to manage credit accounts, make timely payments, or follow the terms of any financial product.

5. TRADING EDUCATION DISCLAIMER

Trading and investing in financial markets involves substantial risk of loss and is not suitable for every individual. The Company's trading education content, community discussions, trade ideas, and coaching support are provided for educational purposes only and do not constitute a recommendation to buy or sell any security, asset, or financial instrument.

You acknowledge that trading decisions are made at your sole discretion and risk. The Company is not responsible for any trading losses incurred by clients. Market conditions are volatile and unpredictable. No strategy, system, or educational program can eliminate the risk of loss in trading.

Clients are encouraged to only trade with capital they can afford to lose and to seek guidance from a licensed financial professional before making significant investment decisions.

6. CLIENT RESPONSIBILITIES

By engaging with the Company's services, you agree to the following.

You will engage consistently and in good faith with the program or service you have enrolled in.

You will complete agreed pre-work, session preparation, and integration assignments in a timely manner.

You will communicate openly and honestly about your circumstances, challenges, and concerns.

You will make all payments for services on time as agreed at the time of enrollment or as outlined in your payment plan agreement.

You will take personal responsibility for the financial, professional, and personal decisions you make during and after the coaching engagement.

You understand that results require your active participation and that the Company cannot produce results on your behalf.

7. PAYMENT TERMS

All fees for services are due as outlined in your enrollment agreement, invoice, or payment plan. Payment plans are binding agreements. Failure to make payments on time may result in suspension of services, loss of access to community platforms, or termination of the coaching engagement.

The Company does not offer refunds on services rendered. If you have concerns about the value or delivery of services, you agree to communicate those concerns directly with the Company in good faith before initiating any dispute.

In the event of a payment dispute, both parties agree to make a reasonable good faith effort to resolve the matter through direct communication before pursuing any other remedy.

8. CONFIDENTIALITY

The Company maintains strict confidentiality regarding client information, session content, and personal disclosures made during coaching engagements. Client information will not be shared with third parties without express written consent, except as required by law.

Clients agree to maintain the confidentiality of any proprietary frameworks, materials, community content, or intellectual property shared by the Company during the engagement. Program materials, session guides, frameworks, and content are the intellectual property of McElderry Ventures LLC and may not be reproduced, shared, or distributed without written permission.

9. LIMITATION OF LIABILITY

To the fullest extent permitted by law, McElderry Ventures LLC, its founder, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your participation in any service, including but not limited to lost profits, financial losses, trading losses, credit damage, or any other financial or personal harm.

The Company's total liability to any client for any claim arising out of or related to the services provided shall not exceed the total fees paid by that client for the specific service giving rise to the claim.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless McElderry Ventures LLC and its founder, officers, employees, and affiliates from and against any claims, damages, losses, costs, or expenses, including reasonable legal fees, arising out of or related to your use of the Company's services, your violation of these Terms and Conditions, or your violation of any applicable law or regulation.

11. TERMINATION

The Company reserves the right to terminate any coaching or mentorship engagement at its discretion if a client engages in abusive, threatening, or disrespectful behavior toward the Company or its founder, fails to make required payments, or acts in a manner inconsistent with the terms of this agreement.

In the event of termination by the Company for cause, no refund will be issued for services already rendered.

12. GOVERNING LAW

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Clark County, Nevada.

13. ENTIRE AGREEMENT

These Terms and Conditions, together with any enrollment agreement, program agreement, or invoice issued by the Company, constitute the entire agreement between you and McElderry Ventures LLC with respect to the services provided. They supersede any prior communications, representations, or agreements, whether written or oral.

14. AMENDMENTS

The Company reserves the right to update or modify these Terms and Conditions at any time. Updated terms will be posted on the Company's website. Continued participation in any service following an update constitutes acceptance of the revised terms.

15. CONTACT

For questions regarding these Terms and Conditions, please contact:

McElderry Ventures LLC
with programs Leverage University & Kairos Syndicate

[bkmcelderry89@gmail.com]

ACKNOWLEDGMENT

By purchasing, enrolling in, or participating in any service offered by McElderry Ventures LLC, you confirm that you have read, understood, and agreed to these Terms and Conditions in full.

"Freedom isn't found. It's uncovered."

McElderry Ventures LLC