Terms of Purchase

In consideration of being permitted to access and use the Pocket CFO™ Revenue Plan (the "Product"), and the value you will gain by using it, you agree to these Terms of Purchase. These Terms are entered into between you (the "Client") and MNM Financial Services PLLC DBA Abundantia Advisory ("Company", "we" or "us"). You and the Company are collectively the "Parties".

These Terms govern your purchase, access to, and use of the Product. They are legally binding. By completing checkout and accessing the Product, you accept and agree to be bound by these Terms.

The Pocket CFO™ Revenue Plan is a one-time-purchase digital planning tool delivered through this web application. It includes:

• Multi-offer Revenue Planner
• Offer Mix Scenario Generator (Fewest Clients, Balanced, Highest Profit, Leverage)
• Full variable cost comparison and capacity check across all offers
• Pricing Reality Check
• "What's Your Pocket CFO™ Next Step?" quiz and personalized offer recommendation
• Print-ready Revenue Plan

The free Pocket CFO™ Revenue Snapshot (revenue goal calculator, Offer Profit Checker, and lead capture) is provided at no charge and is governed by these Terms where applicable.

You are responsible for entering accurate information and completing the planning exercises. There is no guarantee of any specific business or financial result; outcomes depend on your inputs, decisions, and actions.

In full consideration of the Company's performance and the rights granted, Client agrees to pay the price listed on the sales or checkout page at the time of registration (currently a one-time fee of US $47 for the Revenue Plan). All payments are non-refundable. Payment is processed by Stripe. You authorize the Company to charge the payment instrument you provide. You warrant that all payment information you provide is accurate and that you are authorized to use the payment instrument. You may not resell, assign, or transfer your access to the Product.

The Revenue Plan is currently sold as a one-time purchase and does not auto-renew. If we offer a subscription option in the future and you select it, you authorize the Company to maintain your payment information and charge that account automatically on each renewal until you cancel.

Due to the immediate and direct digital access to the Product, we do not offer refunds of any kind. If any future installment option is offered and you elect it, you remain responsible for all outstanding payments even if you discontinue use.

You agree to contact us first at the email below to resolve any billing concern before initiating a chargeback with your financial institution. You remain responsible for amounts due under these Terms in the event of a disputed payment. In the event of a chargeback, you expressly agree to forfeit any and all intellectual property, deliverables, and access granted in exchange for your purchase. The Company reserves the right to present proof of purchase and these Terms to the financial institution.

All content, materials, calculators, formulas, templates, frameworks, written guidance, designs, copy, graphics, and the arrangement of the Product are owned by the Company or its licensors and are protected by copyright, trademark, trade secret, and other intellectual property laws. "Pocket CFO™", the Pocket CFO logo, and related names and slogans are trademarks of the Company. You may not use them without our prior written consent.

By purchasing the Product, you are granted a limited, non-transferable, non-exclusive, revocable, personal-use license to use the Product for your own business only. You may not reproduce, distribute, modify, create derivative works of, republish, transmit, sell, resell, sublicense, or otherwise exploit any part of the Product, in whole or in part.

The Product is intended for the following use cases:

• Building your own revenue goal, offer mix, and pricing scenarios for a single business that you own or operate.
• Sharing read-only outputs (e.g. your printed Revenue Plan) with your own bookkeeper, accountant, attorney, or fractional CFO for review.

The Product may not be used to:

• Provide CFO, accounting, tax, legal, or financial advice to third parties using our calculators, templates, or branded outputs as if they were your own work product.
• Resell, white-label, license, or repackage the Product or any of its outputs to clients, students, or members.
• Train, fine-tune, or evaluate any machine-learning, AI, or competing software product.
• Scrape, mirror, or republish any part of the application.

If you are provided with login credentials, you must keep them confidential. You may not share access, and you must notify us immediately of any unauthorized access. We may suspend or terminate access for violations of these Terms.

Where the Product is described as offering "lifetime," "ongoing," "unlimited," or "forever" access, that phrase refers to the lifetime of the Product itself — meaning the period during which the Company continues to make the Product available — and not to your natural lifetime, the lifetime of the Company, or any fixed number of years.

The Product is offered on an as-available basis, and we make no guarantee, representation, or warranty as to how long the Product (or any individual feature, module, integration, hosted component, download, or bonus) will remain available, supported, or accessible. We may, in our sole discretion and at any time, retire, sunset, modify, replace, migrate, or discontinue the Product, in whole or in part, with or without notice, and without obligation to provide a refund, credit, replacement, or extension. Where reasonably practicable, we will provide advance notice and/or a download window for materials you have lawfully purchased, but this is a courtesy and not a contractual obligation.

You acknowledge that materials, templates, formulas, and methodology provided in connection with the Product are confidential and proprietary to the Company. You agree not to disclose, copy, or share them with any third party except as expressly permitted in these Terms.

The Product is provided for educational and informational purposes only and does not constitute financial, tax, legal, accounting, or investment advice. We do not warrant that the Product or its outputs will be error-free, accurate, complete, reliable, or uninterrupted, or that the calculations will meet your specific needs. Any reliance you place on outputs from the Product is strictly at your own risk.

To the fullest extent permitted by law, the Company is not liable for any direct, indirect, incidental, consequential, special, or exemplary damages, including loss of revenue, profits, contracts, business, data, or goodwill, arising out of or relating to your use of the Product. Our total cumulative liability for any claim arising out of these Terms or the Product will not exceed the amount you paid us for the Product in the twelve (12) months preceding the claim.

By accessing the Product, whether paid or free, you assume the risk of any business or financial decision you make as a result of the educational materials and calculator outputs provided.

You agree to indemnify, defend, and hold harmless the Company and its affiliates, employees, contractors, agents, licensors, and service providers from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Product or your breach of these Terms.

Neither Party is liable for failure or delay (excluding payment obligations) caused by events beyond reasonable control, including fire, casualty, strike, governmental order, pandemic, or other acts of God.

These Terms are personal to each Party and may not be assigned without written consent. Our failure to enforce any provision is not a waiver. If any provision is held invalid or unenforceable, the remaining provisions remain in full force and effect.

Any claim arising out of or relating to these Terms or the Product must be commenced within one (1) year after the cause of action accrues, otherwise it is permanently barred.

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules. The Parties will first attempt to resolve any dispute through good-faith negotiation and, if necessary, mediation. If a dispute is not resolved, either Party may file suit exclusively in the state or federal courts located in Shelby County, Tennessee, and each Party irrevocably submits to that jurisdiction.

All notices to the Company must be in writing and sent to:

MNM Financial Services PLLC DBA Abundantia Advisory
Attn: Megan Munsell
megan@myabundantia.com