This Agreement ("Agreement" or "Terms") is between Libertas Consulting, LLC ("Libertas," "we," "us," or "our"), doing business as Tim & Julie Harris® Real Estate Coaching, and you ("you," "User," or "Client"). By creating an account, purchasing, accessing, or using our website, products, services, content, or tools (collectively, the "Services"), you agree to these Terms. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Services. If you use the Services on behalf of a business or other entity, you represent that you are authorized to bind it to these Terms.

2. The Services

Libertas provides educational real estate coaching, training, digital content, downloadable materials, interactive tools, webinars, community access, and related products. The specific features available to you depend on the product or membership tier you purchase. We may add, change, or discontinue features at any time.

3. Educational Purpose; No Professional Advice; No Guarantees

The Services are educational and informational only. They are not legal, financial, tax, accounting, investment, or brokerage advice, and do not create any professional-client relationship. Real estate laws, commission rules, agency requirements, and required forms vary by state, jurisdiction, and brokerage and change over time. You must use your broker's and state association's current, approved forms and consult your broker, attorney, and/or accountant before relying on any script, agreement, form, or strategy. We make no guarantee of income, results, compliance, or outcomes; your results depend on your own effort, market, and circumstances. Any testimonials or examples are not typical and are not promises of performance; see our Testimonial Disclaimer, incorporated by reference.

4. AI-Assisted Tools

Some Services include AI-generated content, prompts, or tools. AI output can be inaccurate, incomplete, or outdated. You are responsible for independently reviewing and verifying any AI-generated content — especially numbers, market data, legal or compliance language, and anything client-facing — before relying on or using it. AI tools are not a substitute for professional advice or for your broker's approved forms.

5. Purchases, Pricing & Taxes

Prices are stated at checkout and may change prospectively. You authorize us (and our third-party payment processors) to charge your selected payment method for all amounts due, including applicable taxes. You are responsible for any taxes not collected by us. You represent that you are authorized to use the payment method you provide.

6. Trials, Subscriptions & Auto-Renewal; Cancellation

• Trial offers. If you enroll in a trial (for example, a $1, 7-day trial), you may use the applicable Services during the trial period. Unless you cancel before the trial ends, your access will automatically convert to a paid purchase or subscription at the then-current price disclosed at checkout, charged to your payment method. Trials are limited to one per customer or household, and we may refuse or revoke trials we reasonably believe are being abused.
• Subscriptions & auto-renewal. Subscription products (such as annual memberships) automatically renew for successive terms at the then-current price until cancelled. The recurring amount, billing frequency, and renewal date are disclosed before purchase, and you affirmatively consent to them at checkout. We will provide renewal reminders where required by law.
• One-time purchases. Products sold as one-time purchases are not recurring and will not auto-renew.
• How to cancel. You may cancel at any time, effective at the end of the then-current billing period, through your account dashboard's self-service cancellation option or by emailing support@timandjulieharris.com. Cancellation will be at least as easy as enrollment. Cancellation stops future charges; it does not retroactively refund amounts already paid except as stated in Section 7.

7. Refund Policy; Chargebacks

Except as expressly provided here or required by law, all fees are non-refundable, and we do not provide refunds for partial use, non-use, or change of mind. Trial cancellations: if you cancel before a trial converts, you will not be charged the post-trial price (you may still owe the nominal trial fee, such as $1). We may, in our sole discretion, issue refunds in cases of proven fraud, duplicate charges, or technical billing error. Chargebacks: initiating a chargeback for a valid charge is a breach of these Terms; we may suspend your access and pursue the amount owed plus costs. If you finance a purchase through a third party, that lender's terms govern your financing.

8. License to Digital Content

Subject to your compliance with these Terms and payment of applicable fees, Libertas grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the purchased digital content and tools for your own individual professional use only. You may not: share or transfer your login or access; reproduce, distribute, publicly post, broadcast, sell, sublicense, or create derivative works from the content; or use the content to build a competing product or service. We may revoke access for breach. All rights not expressly granted are reserved.

9. Intellectual Property & Trademarks

All content, training materials, scripts, recordings, software, and tools are owned by Libertas or its licensors and are protected by copyright, trademark, and other laws. "Tim & Julie Harris®" and related names and logos are our trademarks; any limited use requires our prior written permission. You may not remove or alter any proprietary notices.

10. Acceptable Use

You agree not to: use the Services for any unlawful purpose; share account access; scrape, harvest, or data-mine the Services; introduce malware or harmful code; reverse-engineer the Services; circumvent access controls or paywalls; resell or redistribute content; or use the Services to harass others or infringe any rights. We may suspend or terminate access for violations.

11. Account Registration & Security

You must provide accurate information and keep it current, and you are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately of any unauthorized use. You are liable for unauthorized use that results from your failure to secure your account or to notify us promptly.

12. Third-Party Links & Services

The Services may link to or integrate third-party websites, tools, or offers (including affiliate links and brokerage information). We do not control and are not responsible for third-party content, products, or practices. Your dealings with any third party are solely between you and that third party.

13. SMS & Communications (TCPA)

If you provide your phone number and opt in, you consent to receive SMS messages (up to 4 messages per month) about services, offers, and updates. Reply STOP to opt out, or HELP for help. Message and data rates may apply. All SMS communications comply with the Telephone Consumer Protection Act (TCPA) and our SMS Terms & Privacy Policy, incorporated by reference. By using the Services you also consent to receive transactional and, where permitted, marketing emails; you may unsubscribe from marketing emails at any time.

14. Recording of Sessions

By participating in seminars, coaching calls, webinars, or community sessions, you consent to being recorded. Libertas owns all rights to such recordings and may use them for training, marketing, or resale without further obligation or compensation to you. You may not record any session without our prior written consent.

15. User Submissions & Feedback

Any feedback, ideas, or content you submit becomes non-confidential, and you grant Libertas a perpetual, irrevocable, royalty-free, worldwide license to use, modify, and distribute it for any purpose, with no obligation to you.

16. Honest Reviews; Limited Reservation

Nothing in these Terms restricts your right to share honest reviews or opinions about the Services, and any prior or contrary provision is waived. You retain the full right to post truthful evaluations of your experience. This Agreement reserves our rights only with respect to statements that are knowingly false or defamatory, or that misappropriate our confidential information or intellectual property, and only to the extent permitted by law (including the Consumer Review Fairness Act).

17. Disclaimers

The Services are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty regarding results, accuracy, or uninterrupted availability. Beta or experimental features are provided "as is" and may be changed or discontinued at any time.

18. Limitation of Liability

To the maximum extent permitted by law, Libertas will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, or goodwill. Our total aggregate liability for any claim will not exceed the amount you paid to us for the specific Service giving rise to the claim in the twelve (12) months preceding the claim. Some jurisdictions do not allow certain limitations, so these limitations apply to the fullest extent permitted by law.

19. Indemnification

You agree to indemnify, defend, and hold harmless Libertas and its members, officers, employees, coaches, and affiliates from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Services, your violation of these Terms, your violation of any law or third-party right, or your reliance on the Services in your real estate practice.

20. Dispute Resolution; Binding Arbitration; Class-Action Waiver

Except for claims that qualify for small-claims court, all disputes will be resolved by final and binding arbitration under the Federal Arbitration Act, administered by the American Arbitration Association (AAA) in Dorado, Puerto Rico. You waive the right to a trial by jury and the right to participate in any class, collective, or representative action. Opt-out: you may opt out of this arbitration provision by sending written notice within sixty (60) days of first accepting these Terms to Libertas Consulting, LLC, PMB 264, 425 Carr. 693, Suite 1, Dorado, PR 00646.

21. Governing Law & Venue

These Terms are governed by the laws of the Commonwealth of Puerto Rico, without regard to its conflict-of-laws rules. Subject to Section 20, any permitted court action will be brought exclusively in the courts located in Dorado, Puerto Rico, and the parties waive a trial by jury.

22. Privacy & Data

Our collection and use of personal information is described in our Privacy Policy and Data/GDPR Policy, incorporated by reference. We comply with applicable data-protection laws, which may include the GDPR and California's CCPA/CPRA, and provide the rights and disclosures they require. Data may be processed or transferred across borders consistent with those laws. We retain user data for up to five (5) years after termination of services unless a longer or shorter period is required by law or you request deletion.

23. Termination & Suspension

You may stop using the Services at any time. We may suspend or terminate your access, with or without notice, for breach of these Terms, suspected fraud or chargeback abuse, or to comply with law. Upon termination, your license to the content ends. Sections that by their nature should survive — including Sections 3, 7–9, 15–22, and 24–28 — survive termination.

24. Modifications to Terms

We may modify these Terms from time to time. Material changes affecting your active program take effect ten (10) days after we post them or notify you (by email or on the Site). Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

25. Force Majeure

We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including service outages, technical failures, acts of God, or natural disasters.

26. Assignment; Change of Ownership

You may not assign these Terms without our prior consent. We may assign these Terms, including in connection with a merger, acquisition, or sale of assets, and may transfer your data to a successor subject to the Privacy Policy. We will notify you of any material changes resulting from such a transfer.

27. Notices

We may provide notice to you by email or by posting on the Site. You must send notices to support@timandjulieharris.com or to Libertas Consulting, LLC, PMB 264, 425 Carr. 693, Suite 1, Dorado, PR 00646.

28. Severability; Waiver; Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with the policies incorporated by reference (Privacy Policy, SMS Terms & Privacy Policy, Testimonial Disclaimer, Affiliate Terms, DMCA/Anti-Spam Policy, External Links Policy, Data/GDPR Policy, and REALTOR® Disclaimer), constitute the entire agreement between you and Libertas regarding the Services and supersede all prior agreements.

By using the Services, you acknowledge that you have read, understood, and agree to these Terms of Service.

© 2026 Tim & Julie Harris®. All rights reserved.