Master Terms & Conditions of Engagement (As of August 26, 2025)

These Master Terms & Conditions (the “Terms”) govern all programs, services, products, tools, events, and offerings (collectively, the “Services”) provided by Truka, LLC and its affiliates, officers, directors, employees, contractors, representatives, and agents (collectively, “Truka”) to any individual or entity enrolling in, purchasing, or otherwise participating in the Services (the “Participant”). By enrolling in or using any Service, Participant expressly agrees to be bound by these Terms.

I. Incorporation of Terms. These Terms are incorporated into and made a part of any engagement agreement, order form, scope of services, invoice, enrollment, or other written or electronic agreement (collectively, “Engagement Documents”) between Truka and Participant. To the extent of any conflict between these Terms and any Engagement Document, the Engagement Document shall govern solely as to the specific program or service described therein. Truka reserves the right to amend these Terms from time to time, in its discretion. Any amendments will be effective upon posting to Truka’s designated website or upon written notice to Participant. Continued use of the Services constitutes acceptance of any such amendments. Participant further agrees that acceptance of these Terms and any Engagement Document may be evidenced by electronic signature, online enrollment, or written confirmation transmitted by email or other electronic means, each of which shall be deemed valid and enforceable as an original signature.

II. Nature of Services; No Licensing or Professional Advice. Truka provides educational programs, coaching, mentorship, software tools, and related resources. Truka and its representatives are not licensed real estate brokers, agents, attorneys, accountants, financial advisors, investment advisers, mortgage brokers, or other regulated professionals. All Services are provided for informational and educational purposes only. Nothing in the Services shall be construed as professional, legal, accounting, tax, brokerage, investment, or other licensed advice. Participant acknowledges and agrees that: A. Truka does not represent or warrant compliance with any federal, state, or local licensing requirements. B. Participant is solely responsible for consulting with independent licensed professionals before making business, financial, legal, or investment decisions. C. Participant waives any claim that Truka has acted in a licensed or fiduciary capacity.

III. Participant Responsibilities. Participant agrees to:
A. Cooperate fully in the Services, including timely attendance and participation.
B. Provide accurate, complete, and timely information when reasonably requested.
C. Take sole responsibility for business decisions, real estate transactions, and other activities undertaken by Participant.
D. Comply with all applicable laws and regulations in Participant’s business operations.

IV. Intellectual Property and Use Restrictions. All content, curricula, frameworks, software, templates, recordings, scripts, trademarks, trade secrets, and other intellectual property provided or made available by Truka (collectively, “Truka IP”) remain the exclusive property of Truka. Participant is granted a limited, non-exclusive, non-transferable license to use Truka IP solely for Participant’s personal educational use within Participant’s own business. Participant shall not, without Truka’s prior written consent:
A. Copy, reproduce, distribute, or disclose Truka IP to third parties;
B. Use Truka IP to conduct seminars, trainings, courses, or coaching;
C. Create derivative works, adaptations, or competing programs based on Truka IP;
D. Sublicense, transfer, or resell any Truka IP.

Participant acknowledges that any breach of this Section would cause irreparable harm to Truka for which monetary damages would be inadequate. Participant consents to injunctive relief, in addition to other remedies, to enforce Truka’s rights.

V. Fees, Payments, and Refunds. All fees are due and payable as set forth in the applicable Engagement Document. Unless expressly stated otherwise, all fees are non-refundable once charged. Participant’s obligation to pay fees is absolute and unconditional and is not dependent on satisfaction or completion of the Services. Participant shall not initiate chargebacks or payment reversals; any such action constitutes breach of contract. Truka may suspend or terminate Services for non-payment, without liability. Participant shall be responsible for all costs of collection, including reasonable attorneys’ fees, incurred by Truka in recovering any unpaid amounts.

VI. Disclaimers; Assumption of Risk.
A. No Guarantee of Results. Truka does not warrant or guarantee that Participant will achieve any level of success, profit, revenue, or result. Outcomes are dependent on many factors outside of Truka’s control, including market conditions, Participant’s skills, effort, capital, and decision-making.
B. Speculative Nature of Real Estate. Participant acknowledges and agrees that real estate investing and related business ventures are inherently speculative and risky, may involve substantial financial losses, and are subject to changing market, economic, legal, and regulatory conditions. Participant understands that there is a significant risk of loss of capital, and that they may lose some or all of any funds invested in real estate transactions.
C. Independent Decision-Making. Participant assumes full responsibility for all business, investment, and financial decisions. All decisions are made independently by Participant, and Truka shall have no liability for the success or failure of Participant’s transactions.
D. Educational Purpose Only. Services are educational and informational in nature and are not intended as legal, tax, investment, or financial advice. Participant is solely responsible for consulting with their own licensed professionals before making decisions.
E. No Guarantee of Specific Services. Truka reserves the right to substitute, modify, reschedule, or alter any program content, instructors, delivery method (including shifting in-person events to virtual delivery), or materials without liability and without obligation to provide a refund, provided that substantially equivalent educational value is delivered. Truka may, in its discretion, change, suspend, or discontinue any Service, or any part thereof, at any time without liability, provided substantially equivalent educational value is maintained.
F. Testimonials and Earnings. Any testimonials, case studies, or examples shared by Truka or its representatives reflect individual experiences and are not typical. They are provided solely for illustrative purposes and do not constitute a guarantee that Participant will achieve similar results.
G. Exclusions. Except as expressly set forth in an applicable Engagement Document, Truka does not provide brokerage services, legal or tax services, financial or investment advisory services, property management, construction, or funding guarantees.

VII. Limitation of Liability. To the fullest extent permitted by law: A. Truka shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages. B. Truka’s aggregate liability arising out of or relating to the Services shall not exceed the amount of fees actually paid by Participant to Truka for the applicable Service.

VIII.Indemnification. Participant shall indemnify, defend, and hold harmless Truka, its affiliates, officers, directors, members, managers, employees, contractors, representatives, successors, and assigns (collectively, the “Indemnified Parties”) from and against any and all claims, demands, causes of action, liabilities, damages, losses, costs, and expenses (including, without limitation, reasonable attorneys’ fees, arbitration and court costs, and enforcement expenses) arising out of or related to:
A. Participant’s participation in or use of the Services;
B. Participant’s business activities, transactions, or dealings with third parties;
C. Any allegation that Participant violated applicable law, regulation, or licensing requirements;
D. Any dispute between Participant and any third party with whom Participant interacts in connection with the Services; and
E. Participant’s breach of these Terms or of any Engagement Document. Participant’s obligations under this Section are independent of any other obligations hereunder and shall survive termination of these Terms or of any Services. Participant shall be responsible for all reasonable attorneys’ fees and costs incurred by Truka in enforcing these Terms, in addition to any other relief awarded.

IX. Confidentiality. Participant shall not disclose or use any Truka IP, confidential information, trade secrets, or proprietary materials received from Truka except as expressly permitted under these Terms.

X. Non-Disparagement. Participant agrees that, during and after participation in the Services, Participant shall not make, publish, or communicate to any person or entity, in any medium (including online, social media, forums, or group chats), any defamatory, false, misleading, or disparaging remarks, comments, or statements concerning Truka or its affiliates, officers, directors, employees, contractors, agents, or Services. Nothing in this Section shall be construed to limit Participant’s ability to:
A. Communicate in good faith with government authorities or regulators;
B. Provide truthful statements or opinions as otherwise protected by law, including the Consumer Review Fairness Act; or
C. Participate in legal proceedings as required by law. Truka reserves all rights to pursue equitable relief and damages for violations of this Section.

XI. Publicity Release. Participant grants Truka, and its affiliates, licensees, successors, and assigns, the irrevocable, perpetual, worldwide, royalty-free right and permission to record, photograph, videotape, or otherwise capture Participant’s likeness, voice, name, image, statements, and participation in the Services (“Participant Content”), and to edit, reproduce, display, distribute, publish, broadcast, and otherwise use such Participant Content, in whole or in part, in any and all media, now known or hereafter devised, for any lawful purpose including, without limitation, advertising, marketing, promotional, educational, and commercial purposes. Participant waives any right to inspect or approve the use of Participant Content and any claim arising out of or relating to such use, including without limitation claims for misappropriation, infringement, defamation, invasion of privacy, or right of publicity. Participant acknowledges that Truka shall have no obligation to use Participant Content, and that Truka is the exclusive owner of all rights in the recordings and materials it creates.

XII. Termination. Truka may terminate Participant’s access to the Services immediately for breach of these Terms, misconduct, or non-payment. No refunds shall be due upon termination.

XIII.Participant Conduct. Participant agrees to conduct themselves in a respectful, professional, and lawful manner during participation in the Services, including live events, group calls, and online communities. Truka may suspend or terminate access, without refund, for disruptive, abusive, harassing, or unlawful conduct, or for violation of community standards established by Truka.

XIV.Dispute Resolution.
A. Exclusive Arbitration. Any and all disputes, claims, or controversies arising out of or relating to these Terms, any Engagement Document, the Services, or the relationship between the parties (whether contractual, statutory, tortious, or otherwise) shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules then in effect, and judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction solely for the purpose of enforcing such award.
B. No Class or Collective Proceedings. The parties expressly agree that all arbitration shall be conducted on an individual basis only. Participant waives any right to participate in, join, consolidate, or arbitrate any claim as part of a class, collective, or representative action, and no arbitrator shall have authority to consolidate claims of more than one person or to preside over any form of a representative or class proceeding.
C. Venue and Governing Rules. The arbitration shall take place in Vanderburgh County, Indiana, before a single neutral arbitrator. The arbitrator shall apply Indiana law, without regard to conflict of-law principles, except to the extent preempted by federal law. The parties acknowledge and agree that Indiana is a reasonable and mutually acceptable forum for arbitration in light of Truka’s business activities in Evansville, Indiana, and Participant waives any objection to arbitration in such forum.
D. Scope. This arbitration provision shall be interpreted broadly and shall apply to all claims, including but not limited to those for breach of contract, misrepresentation, fraud, statutory violations, negligence, and other torts.
E. Equitable Relief. The arbitrator shall have the power to award all remedies available at law or in equity, including injunctive relief. To the extent provisional or emergency relief is necessary to protect Truka’s intellectual property or confidential information before an arbitrator can be appointed, either party may seek such temporary relief in a court of competent jurisdiction, which shall be limited solely to such purpose.
F. Waiver of Jury Trial and Court Proceedings. Participant knowingly and voluntarily waives any right to a jury trial or to bring or participate in any action in any court, except for entry or enforcement of an arbitration award or for provisional relief as expressly provided above.
G. Prevailing Party Fees: The arbitrator shall award reasonable attorneys’ fees and costs to the prevailing party in any arbitration conducted under these Terms.

XV. Force Majeure. Truka shall not be liable or responsible for any failure or delay in performance resulting from acts beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, labor disputes, government orders, power outages, internet or communications failures, or other events of force majeure. In such cases, Truka may modify, suspend, or reschedule Services without liability.

XVI. Governing Law and Venue. These Terms shall be governed by and construed under the laws of the State of Indiana, without regard to conflict of law principles, except to the extent preempted by federal law. The parties acknowledge that Truka conducts substantial business in Indiana, including investments and operations in Evansville, and that selection of Indiana law and venue is reasonable and mutually acceptable. Subject to arbitration, any court proceedings shall be brought exclusively in the state or federal courts located in Vanderburgh County, Indiana. Participant waives any objection to venue or forum on the grounds of inconvenience or otherwise.

XVII. Miscellaneous. These Terms constitute the entire agreement and understanding of the parties and supersedes all prior agreements or representations. If any provision of these Terms is held unenforceable, the remainder shall continue in effect. No waiver shall be binding unless made in writing. Acceptance via electronic signature, online enrollment, or written confirmation by email constitutes execution of these Terms. The provisions relating to intellectual property, confidentiality, indemnification, limitation of liability, disclaimers and assumption of risk, non-disparagement, publicity release, participant conduct, dispute resolution, and force majeure shall survive termination of these Terms. Nothing in these Terms shall be construed to waive any rights that are non-waivable under applicable state or federal consumer protection laws.