Terms & Conditions

Business Owner’s HQ Membership

Terms and Conditions

Effective Date: August 1, 2026

These Terms & Conditions (the "Terms") govern a Business Owner’s purchase of, enrollment in, access to, and use of the Business Owner’s HQ^® Membership, including all resources, products, offered by Main Street Professionals^®, LLC, an Arizona limited liability company (hereinafter "MSP").

1. Definitions

Business Owner’s HQ^® Program. Is the library of videos on the (4) four phases of business, including the additional resources, and its purchase authorizes a Member to participate in the Monthly Program.

Community Forum. Is the community tool built into the Program that allows business owners in the Program to connect as a community and network to get support and information for their businesses.

Member. Means a Member who has purchased the Business Owner’s HQ^® Program and may also participate in the Monthly Membership under these Terms.

Monthly Member. Is a Member who is paying for the Monthly Membership and taking advantage of those benefits described herein.

Monthly Membership. Provides additional benefits to Members including access to ongoing bi-weekly mastermind classes, as well as access to a variety of resources and support material, and a forum to collaborate with other Members.The date a Member purchases the Business Owner’s HQ^® Program they receive one (1) month free of the Monthly Membership.

Membership Site. The online dashboard, mobile application, website pages, and other digital platforms through which MSP^® delivers the Program content, communications, resources, and community access.

MSP^®. Means Main Street Professionals, LLC, an Arizona limited liability company.

Onboarding. The procedures a Member is offered after Enrollment to become familiar with and utilize all of the services and benefits under the Owner’s HQ^® Program.

Program. Also refers to and means the Business Owner’s HQ^® Program as set forth above.

Resource Library. Is the library of forty (40) plus videos on business ownership and wealth building on the HQ^® Membership site.

2. Enrollment and Purchase Price

Enrollment is for one (1) individual unless MSP^© expressly agrees otherwise in writing. The Purchase Price is the amount displayed at checkout or stated in the applicable order form. The current standard Membership price is $2,495, which may be revised in the sole and absolutely discretion of MSP^©. Upon Enrollment, a Member will receive an Onboarding email and video with all the necessary information for creating a username, logging in for the first time, and how to access and utilize all the features of the Program.

3. Membership

Membership entitles a Business Owner to the Resource Library and other resources MSP may provide from time to time. Membership does not automatically include the Monthly Membership Benefits. Membership is personal and non-transferable. A Member may not assign the Program, substitute another participant, share login credentials, or permit any person or entity to access the Program content without the prior written consent of MSP^©. The Member is responsible for all activity occurring through the Member's account and for maintaining a current email address and payment method.

4. Resource Library Access

Is the library of forty (40) plus videos on business ownership and wealth building on the HQ^® Membership site. A Business Owner shall have unlimited access to the Resource Library for the life of the Program.

5. Monthly Membership Benefits

The Business Owner Monthly Membership includes the following additional benefits to Membership:

1. bi-weekly live Mastermind Meet-Up calls;
2. Access to the AI Markbot^©- Closed Tax and Legal Library Research tool;
3. community forum for the Members to collaborate and network

1. an expanding library of support documents, templates, recordings, and educational resources;

6. Membership Fees

The current monthly Membership fee is $99 per month. The first month is included at no additional charge with the initial purchase of the Owner’s HQ^® Program. Billing occurs on the same day of each month corresponding to the Business Owner's original Enrollment date. MSP^® reserves the right to revise monthly pricing upon reasonable notice.

7. Payment Authorization

The Business Owner shall maintain a valid credit card or ACH payment method while participating in the Monthly Membership. Failure to maintain a valid payment method or timely payment may result in suspension or termination of Membership benefits.

8. Refund Policy

A full refund of the Purchase Price may be requested within seven (7) calendar days after purchase. To qualify, the written refund request must be received within the seven-day period. The Business Owner is responsible for payment processing fees incurred by MSP, which may be deducted from the refunded amount. Approved refunds will generally be processed within one (1) to three (3) business days, with funds typically returning to the original payment method within ten (10) to fourteen (14) business days.

9. Intellectual Property and Limited License

All MSP^© Program content, including videos, recordings, presentations, curriculum, quizzes, examinations, answer keys, white papers, templates, forms, checklists, marketing resources, software, graphics, trademarks, logos, AI prompts, outputs, workflows, and downloadable materials, is owned by or licensed to MSP^© and protected by intellectual property law. Subject to compliance with these Terms, MSP^© grants the Member a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use Program materials for the Member's own internal education and professional practice. Without the prior written consent of MSP^©, the Member may not copy, record, screen-capture, reproduce, publish, distribute, sell, license, upload, publicly display, share, reverse engineer, remove proprietary notices from, or create derivative or competing educational products from Program materials. The Member may use client-facing templates only to the extent expressly authorized and may not represent MSP content as independently authored. No ownership rights are transferred.

10. Technical Information, Strategy, and Downloads, and Confidentiality,

Tax, legal, and financial information provided in the MSP^© Program, including its interpretation and related strategies applied thereto are provided for education and productivity purposes and may be incomplete, inaccurate, or unsuitable for a particular client. The Member recognizes that tax law can change literally daily based on federal and state case law and statutes, and moreover the facts and circumstances of a particular client a Member may be serving can vary widely, as such, the Member agrees that it must independently verify all information learned in the MSP^© Program and is solely responsible for their own professional judgment, client advice, data privacy, and legal or ethical compliance. Additionally, any prompts, calculators, templates, and generated outputs provided by and through the MSP^© Program are for the educational benefit of the Member only and must be verified by the Member for accuracy and any obscure interpretations or changes in the law.

11. Community Standards and Confidentiality.

Members must communicate professionally and may not harass, threaten, discriminate against, defame, solicit unlawfully, spam, impersonate others, post infringing content, or disrupt the community of other Members. Members may receive nonpublic information through live sessions, forums, peer discussions, business resources, or other Program activities. Members shall not disclose another Member's confidential, personal, client, or proprietary information without authorization. MSP^© in its sole and absolute discretion, remove any Member from the Program for violating these standards. Additionally, MSP^© may moderate, remove, preserve, or disclose content as reasonably necessary to administer the Program, and enforce these Terms.

12. AI Use and Privacy Policy

As part of your membership, we may provide artificial intelligence ("AI") tools designed to help members navigate course materials, locate resources, answer educational questions, summarize content, and enhance the learning experience. These AI features are intended solely for educational and informational purposes. Responses generated by the AI are not legal, tax, accounting, financial, investment, or other professional advice and should not be relied upon as a substitute for consultation with a qualified professional. AI-generated responses may be incomplete, inaccurate, or outdated. Members are solely responsible for verifying any information before acting upon it. Questions, prompts, and other information you voluntarily submit to the AI may be processed to generate responses and improve the functionality, accuracy, and performance of the AI features. Please do not submit confidential, proprietary, sensitive personal information, financial account numbers, Social Security numbers, passwords, or other information you do not wish to be processed by the AI.

Educational content, training materials, templates, videos, downloads, prompts, and other proprietary resources available through the AI remain the intellectual property of the Company and are licensed solely for the member's personal use under the Membership Terms. AI responses may incorporate or reference proprietary educational materials that may not be copied, redistributed, republished, or used to create competing products or services.

AI features are provided on an "as available" basis. We reserve the right to modify, suspend, limit, or discontinue any AI functionality at any time without prior notice. To the fullest extent permitted by law, the Company disclaims all warranties regarding AI-generated content and shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to a member's use of, or reliance upon, AI-generated responses.

By accessing or using any AI feature included with your membership, you acknowledge that you have read, understood, and agree to this AI Use and Privacy Policy.

13. Suspension, Termination, and Reservation of Rights

MSP^© may suspend or terminate Membership, Certification, use of the MSCTA® designation, access to Program materials, community participation, conference benefits, or listing on the Tax Advisor Network^© for nonpayment, credential sharing, cheating, intellectual property misuse, unlawful or unethical conduct causing reputational harm to MSP^©, or any material breach of these Terms. Except where prohibited by law, termination for cause does not create a right to a refund. Upon termination or expiration, the Member must immediately stop using MSCTA^© credentials and restricted materials. MSP^© reserves all rights not expressly granted and may discontinue or modify Program features, instructors, platforms, schedules, or policies upon reasonable notice.

14. Disclaimers of Warranties and Professional Advice

THE PROGRAM AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, MSP DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AVAILABILITY, AND RESULTS. Program content is general education and does not constitute legal, tax, accounting, investment, financial, or other professional advice for any particular person or transaction. Enrollment does not create an attorney-client, accountant-client, fiduciary, partnership, agency, employment, franchise, or joint-venture relationship. MSP^© does not guarantee Certification, continuing education approval, tax savings, increased revenue, client referrals, business success, or any particular outcome.

15. Limitation of Liability and Indemnification

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MSP^© AND ITS OWNERS, MANAGERS, EMPLOYEES, INSTRUCTORS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, CLIENTS, OR BUSINESS OPPORTUNITIES; OR CLAIMS ARISING FROM PROFESSIONAL SERVICES PROVIDED BY A MEMBER. MSP^© AGGREGATE LIABILITY ARISING OUT OF THE PROGRAM SHALL NOT EXCEED THE AMOUNT THE MEMBER PAID TO MSP DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. The Member shall defend, indemnify, and hold harmless MSP^© and its owners, managers, employees, instructors, affiliates, and licensors from claims, liabilities, damages, judgments, penalties, costs, and reasonable attorneys' fees arising from the Member's professional services, client relationships, unlawful conduct, breach of these Terms, misuse of Program content or credentials, infringement of third-party rights, or violation of privacy or data-security obligations.

16. Electronic Communications and Changes to Terms

The Member consents to receive MSP^© notices, billing communications, policy updates, and legally required disclosures electronically at the email address or account dashboard associated with the Membership. Electronic notices satisfy any requirement that a communication be in writing. MSP^© may amend these Terms prospectively by posting revised Terms or providing electronic notice. Continued use of the Program after the effective date of revised Terms constitutes acceptance, except where affirmative consent is required by law.

17. Governing Law; Arizona Venue; No Mandatory Arbitration

These Terms shall be construed, enforced, and governed by the laws of the State of Arizona, without regard to conflict-of-law principles. Neither party is required by these Terms to submit a dispute to mediation or arbitration. The Member irrevocably consents to the personal jurisdiction of the state and federal courts located in Arizona, and exclusive venue for any action shall lie in those courts, except that MSP^© may seek injunctive relief in any court of competent jurisdiction to protect intellectual property, confidential information, or certification marks.

18. General Provisions and Electronic Acceptance

These Terms, together with the applicable checkout page, order form, refund policy, privacy policy, and policies expressly incorporated by reference, constitute the entire agreement regarding the MSP^© Program and supersede prior or contemporaneous discussions concerning the same subject. If any provision is held invalid or unenforceable, it shall be modified to the minimum extent necessary and the remaining provisions shall remain effective. The failure of MSP^© to enforce a provision is not a waiver. Headings are for convenience only. MSP^© may assign these Terms in connection with a merger, reorganization, financing, or sale of assets.

19. Electronic Acceptance

By selecting "I Agree," submitting payment, or accessing the Program, the Member adopts an electronic signature and agrees that electronic acceptance has the same legal force as a handwritten signature. The Member represents that the Member has authority to enter into these Terms individually and, where applicable, on behalf of the Member's company.

August 1, 2026 | Main Street Professionals^©, LLC

If you have any questions, comments, or concerns, don’t hesitate to reach out to my team at members@markjkohler.com. They can help with setting up your Tax Advisor Network Profile, and give you tips to help you get your first clients!