FREEDOM & LEGACY BLUEPRINT MD
Program Agreement
2027 Program Year

This Program Agreement (the “Agreement”) is between ALLSET MASTERY LLC, a Minnesota limited liability company doing business as Freedom & Legacy Blueprint MD (“Company”), and the individual enrolling in the Program (“you” or “Member”). By signing, checking an acceptance box at checkout, or accessing any Program materials, you agree to be legally bound by this Agreement. If you do not agree, do not enroll.

Section 1: The Program
1.1 Program and Term. Company will provide the Freedom & Legacy Blueprint MD coaching program (the “Program”), a 12-month group coaching experience that may include live group calls, recorded trainings, curriculum, workbooks, an online community, and related resources. Your enrollment begins when your existing membership year ends. Access ends with the Term unless you renew. Unused components do not roll over, extend the Term, or convert to credits or refunds.

1.2 Not Included. The Program fee covers the Program only. Retreats, live events, and other separately ticketed offerings require separate registration, payment, and agreements, including an assumption-of-risk waiver for in-person attendance.

1.3 Changes and Force Majeure. Company may adjust the schedule, curriculum, call times, platforms, facilitators, and guest experts in its reasonable discretion, preserving the Program’s overall educational value. Company is not liable for delays or failures caused by events beyond its reasonable control and may reschedule or redeliver affected components in an alternate format. Neither is grounds for a refund.

1.4 Eligibility. You represent that you are at least 18, enrolling for yourself, and legally able to enter this Agreement.

Section 2: Fees and Payment
2.1 Program Fee. Your total fee depends on the option you select at enrollment:
(a) Pay in Full. A non-refundable $1,500 deposit at enrollment plus one payment of $10,500 due by October 15, 2026. Total: $12,000.
(b) Payment Plan. A non-refundable $1,500 deposit at enrollment plus four monthly payments of $2,875 charged automatically every 30 days. Total: $13,000.
You owe the full fee for your selected option regardless of attendance, usage, or results and authorize Company to charge your payment method on file on the scheduled dates, including updated card details from your card network.

2.2 All Fees Are Non-Refundable. ALL DEPOSITS AND FEES ARE EARNED IN FULL WHEN PAID AND ARE NON-REFUNDABLE UNDER ALL CIRCUMSTANCES, INCLUDING NON-ATTENDANCE, NON-USE, CHANGE OF MIND, CHANGED CIRCUMSTANCES, OR EARLY WITHDRAWAL. YOU RECEIVE IMMEDIATE ACCESS TO PROPRIETARY MATERIALS AND A RESERVED PLACE IN A LIMITED-CAPACITY PROGRAM. DO NOT ENROLL UNLESS YOU ACCEPT THIS POLICY.

2.3 Chargebacks. You agree to raise billing questions with Company before contacting your card issuer and not to initiate a chargeback or payment dispute for fees properly charged under this Agreement. This Agreement, your electronic acceptance records (including timestamp and IP address), and access logs may be presented to your card issuer as evidence of authorization and delivery. A chargeback of properly charged fees is a breach, and Company may recover the disputed amount, dispute fees, and collection costs, and may suspend access while a dispute is pending.

2.4 Missed Payments. If any payment is not received within 10 days of its due date, Company may suspend your access until your account is current. Suspension does not reduce what you owe.

Section 3: Educational Program Only
3.1 Education Only. The Program is educational and informational only. Nothing in it is legal, medical, mental health, financial, investment, tax, accounting, or business advice. You are solely responsible for your decisions and for consulting your own licensed professionals.

3.2 No Physician-Patient Relationship. Dr. Elaine Stageberg, MD, MHA is a physician licensed in Minnesota. Participation does not create, and will never create, a physician-patient, psychiatrist-patient, or therapist-client relationship with Dr. Stageberg or anyone affiliated with Company. The Program provides no diagnosis, treatment, prescribing, psychotherapy, or individualized medical or mental health advice and is not a substitute for care from your own providers. You represent that you are not a current patient of Dr. Stageberg. For any medical or mental health emergency, call 911, call or text 988, or go to the nearest emergency room.

3.3 No Guarantees. Company makes no guarantee or warranty of any outcome, including income, business, career, health, or personal results. Testimonials and case studies are individual experiences, not typical results or promises. You may achieve no results at all and may experience losses.

3.4 Not an Offer of Securities. Nothing in the Program is an offer or solicitation to buy or sell any security, investment advice, or an investment recommendation. Discussion of real estate, funds, or investing is general education only. Any opportunity to invest with any entity affiliated with Company or its owners would be governed exclusively by that entity’s separate offering documents and securities-law requirements and is not part of, promised by, or connected to the Program.

3.5 Related Entities. The Program is provided solely by ALLSET MASTERY LLC. No other entity or person is a party to this Agreement or provides services under it, including Black Swan Real Estate, Black Swan Property Management, Black Swan Real Estate Secure Freedom Fund, or any other affiliate of Company or its owners (the “Related Entities”). Related Entities have no liability to you in connection with the Program, references to them are illustrative only, and this Agreement’s disclaimers, releases, and liability limits extend to and may be enforced by Company, each Related Entity, and their respective owners, officers, employees, contractors, and affiliates (the “Protected Parties”).

Section 4: Community and Content
4.1 Conduct and Removal. You agree to engage respectfully and to refrain from harassment, discrimination, spam, solicitation of other Members, and recording or otherwise capturing any Program session, content, or Member shares. Company may suspend or remove you for breaching this Agreement or for conduct it reasonably determines harms Members, facilitators, or the Program. Removal for cause entitles you to no refund, and all remaining fees stay due.

4.2 Confidentiality and Recordings. You agree to keep confidential everything other Members share and not to disclose or use any Member’s identity or information outside the Program. Company cannot guarantee individual Members’ conduct and is not liable for their breaches. Company records calls and trainings and may reuse recordings inside the Program, for future participants, and for internal purposes. By appearing on a recorded call you consent to that use, and you may keep your camera off and participate by chat instead.

4.3 Testimonials. If you provide a testimonial or feedback, you grant Company a perpetual, royalty-free license to use it in marketing with your first name, last initial, likeness as it appears, and specialty. Company may share de-identified results freely and will not use your full name or otherwise identifiable image without your permission.

Section 5: Intellectual Property and AI Tools
5.1 Intellectual Property. All Program content, including curriculum, recordings, workbooks, frameworks, prompts, and the FLBMD AI VisionKeeper, is owned exclusively by Company or its licensors. You receive a limited, non-transferable, revocable license for personal, non-commercial use during the Term. You may not copy, share, sell, publish, or create derivative works from Program content, use it to build or train any competing program or AI system, or share, transfer, or resell your access. Company may terminate access without refund for credential sharing or unauthorized distribution.

5.2 AI Tools. AI-powered tools, including the FLBMD AI VisionKeeper (“AI Tools”), generate automated output that may be inaccurate, incomplete, or outdated. Output is educational information only, never medical, mental health, legal, financial, or investment advice, and you must verify it independently before relying on it. You agree not to input patient information, protected health information, or any third party’s confidential information. AI Tools are provided as-is, access tiers may be set in separate communications, and Company may modify or discontinue them at any time.

Section 6: Risk, Release, and Limitation of Liability
6.1 Assumption of Risk and Release. You expressly assume all risks arising from your decisions about your health, finances, investments, business, career, relationships, and every other area of your life, whether or not informed by the Program, and you accept sole responsibility for your outcomes. To the fullest extent permitted by law, you release the Protected Parties from all claims relating to your participation, other than claims that cannot be released under applicable law.

6.2 Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY LAW, NO PROTECTED PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OR FOR LOST PROFITS, REVENUE, OR DATA, AND THE TOTAL LIABILITY OF ALL PROTECTED PARTIES FOR ALL CLAIMS RELATING TO THE PROGRAM OR THIS AGREEMENT WILL NOT EXCEED THE FEES YOU PAID COMPANY IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

6.3 Indemnification. You will indemnify, defend, and hold harmless the Protected Parties from third-party claims, liabilities, damages, costs, and expenses (including reasonable attorney’s fees) arising from your breach of this Agreement, misuse of Program content, or violation of law or third-party rights.

Section 7: Dispute Resolution and Arbitration
THIS SECTION AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO SUE IN COURT AND TO A JURY TRIAL.

7.1 Talk to Us First. Before filing any claim, email your concern to rachel@blackswanteam.com and give Company 30 days to resolve it in good faith.

7.2 Binding Arbitration. Any dispute arising out of or relating to this Agreement or the Program not resolved informally will be resolved exclusively by final, binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, in Olmsted County, Minnesota, or by videoconference if you prefer. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs this Section.

7.3 Class Action and Jury Waiver. CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING, AND THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS. IF ANY CLAIM PROCEEDS IN COURT, YOU AND COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL.

7.4 Small Claims, Governing Law, and Fees. Either party may instead bring an individual claim in small claims court in Olmsted County, Minnesota (or your county of residence). This Agreement is governed by Minnesota law without regard to conflict-of-law rules, exclusive venue for any court proceeding is the state or federal courts in Olmsted County, Minnesota, and the prevailing party in any action or arbitration may recover reasonable attorney’s fees and costs to the extent permitted by law and applicable rules.

Section 8: General Terms
8.1 Entire Agreement and Amendments. This Agreement, together with any checkout terms you accept, is the entire agreement about the Program and supersedes all prior agreements on that subject. Company may amend it by emailing updated terms at least 15 days before they take effect. Amendments apply prospectively only, will not increase fees for your current Term, and do not apply to disputes that arose earlier. Continued participation after the effective date is acceptance.

8.2 Severability, Survival, and Assignment. If any provision is unenforceable, it will be modified to the minimum extent necessary and the remainder stays in force. Company’s delay or failure to enforce any provision is not a waiver. Sections 2.2 through 2.4, 3, 4.2, 4.3, 5, 6, 7, and 8 survive termination. You may not assign this Agreement. Company may assign it to an affiliate or successor.

8.3 Notices, Privacy, and E-Signature. Company may send notices to your enrollment email, which you will keep current. Send notices to Company at rachel@blackswanteam.com or 2765 Commerce Dr NW Suite 110 Rochester MN 55901. Your electronic signature or checkout acceptance has the same legal effect as a handwritten signature.

Acknowledgment and Signature

By signing below or accepting electronically, you confirm you have read and understood this Agreement and specifically accept the no-refund policy (2.2), chargeback terms (2.3), educational-purpose and no-physician-patient terms (Section 3), limitation of liability (Section 6), and arbitration, class action, and jury waivers (Section 7).