A.B.L.E. Refund and Cancellation Policy

Section 1. Scope, Subscriptions, and Cancellation

1.1 Scope

This Policy governs payments, billing, cancellation, and refunds for A.B.L.E. memberships purchased through the A.B.L.E. platform, including the Foundation, Momentum, and Impact tiers, and any other paid service A.B.L.E. offers under it.

This Policy also applies to sponsored membership seats purchased under an A.B.L.E. Sponsor Order Form. The sponsored-enrollment provisions in Section 7 govern Sponsor cancellations, refunds to the Sponsor as payer of record, unnamed seats, unclaimed seats, seat release, subscription quantity changes, the ninety-day naming period, the thirty-day claim period, reassignment, and the monetary handling of a Member's Brother's Promise where a Sponsor paid for the seat.

This Policy is incorporated into, and should be read together with, the Master Success Architect Coaching Agreement (the "Coaching Agreement"), the Terms of Use, and the Privacy Policy. Where this Policy and the Coaching Agreement conflict as to refund or cancellation mechanics, this Policy controls. Where the issue concerns the coaching relationship itself, the Coaching Agreement controls.

1.2 Definitions

Client or Member means the individual man who has satisfied A.B.L.E.'s eligibility requirements, completed the Personal Study, ratified the agreement stack, and holds an active membership.

Sponsor means an individual or organization that purchases one or more membership seats for use by separately eligible individual Members under a Sponsor Order Form.

Seat means a paid entitlement to a membership that does not itself create membership until a Member independently claims it.

Billing period means the monthly or annual interval for which a subscription fee has been paid.

Paid-through date means the last day of the then-current paid billing period.

Payer of record means the person or entity whose payment method was charged for the applicable fee.

1.3 Subscriptions, Billing, and Automatic Renewal

A.B.L.E. memberships are recurring subscriptions billed in United States Dollars through our payment processor.

Automatic renewal. By purchasing a membership, the payer authorizes A.B.L.E. to charge the payment method on file at the start of each billing period, at the then-current price for the selected tier, until the subscription is cancelled. The tier, price, billing interval, and renewal terms are displayed at checkout before payment and confirmed in the receipt.

Monthly subscriptions renew each month on the same calendar day as the initial charge, or the last day of the month where no such day exists.

Annual subscriptions , where offered, renew each year on the anniversary of the initial charge.

Receipts. A receipt is sent by email within minutes of each charge, from the payment processor on A.B.L.E.'s behalf, to the email address on the account.

Price changes. A.B.L.E. may change subscription prices with at least thirty (30) days' written notice by email before the change takes effect. A price change applies at the next renewal after the notice period. A payer who does not accept the change may cancel before that renewal under Section 1.5.

Taxes. Prices exclude applicable sales, use, goods and services, or similar taxes, which are calculated at checkout according to the payer's billing address and added where required by law.

1.4 Automatic Refunds

Except as expressly provided in this Policy, subscription fees are non-refundable once a billing period has begun, and no partial or prorated refund is owed for unused time in a billing period.

A.B.L.E. issues refunds automatically, without a request from the Client, in the following cases:

• a duplicate charge for the same billing period;
• a charge processed after A.B.L.E. received a valid cancellation, where the charge should not have occurred;
• a charge to a person who was not eligible to enroll under the Terms of Use at the time of purchase, where A.B.L.E. discovers the ineligibility; and
• any other charge that A.B.L.E. determines was made in error.

Refunds for unnamed or unclaimed sponsored seats that become refundable under Section 7 are processed according to that Section and do not require invocation of the Brother's Promise. Such refunds are administrative sponsored-seat refunds rather than satisfaction-based Brother's Promise refunds.

1.5 Cancellation

A Client may cancel a membership at any time.

How to cancel. Cancellation is made by writing to info@ableframework.com from the email address on the account, or through the account management portal when A.B.L.E. makes one available. A.B.L.E. will acknowledge a cancellation by email.

Effective date. Unless applicable law requires otherwise:

• cancellation becomes effective at the end of the then-current paid billing period;
• the Client retains access to the membership through the paid-through date;
• no prorated refund is owed solely because the Client cancelled during a paid billing period; and
• future recurring charges cease after the cancellation effective date.

Annual subscriptions. The standard no-prorata rule applies to annual subscriptions: cancellation during an annual term stops renewal at the end of the term and does not refund the unused months. The Brother's Promise in Section 2 overrides this rule where the Client validly invokes it.

What the Client keeps. Cancellation does not remove the Client's own words from him. The Client may export or request a copy of his Personal Study responses, Personal Use Cases, and practice record as described in the Privacy Policy.

Termination by A.B.L.E. Where A.B.L.E. terminates a membership under the Coaching Agreement or the Terms of Use for a reason other than the Client's breach, A.B.L.E. will refund the unused portion of the then-current billing period on a prorated basis. Where termination is for the Client's breach, no refund is owed except as required by applicable law.

1.6 Payer of Record

Refunds are processed in United States Dollars to the payer of record through the original payment method.

For a sponsored seat, refunds are processed to the Sponsor or other payer of record through the original payment method. A Member's eligibility location and the Sponsor's billing or tax address are separate records and serve separate purposes. The Sponsor's payment address does not determine whether a Member is eligible to receive A.B.L.E. services; the individual Member's location attestation governs the Member's geographic eligibility.

Section 2. The Brother's Promise

2.1 The Promise

The Brother's Promise is set out in full in Coaching Agreement Section 16.1, in the words every Client reads and ratifies before enrollment. It is not paraphrased here; the Coaching Agreement's text governs.

The Brother's Promise is a covenant running to the individual Client. It is A.B.L.E.'s commitment that a man who does the work and finds the practice did not serve him is not left holding the cost of finding out.

2.2 Relationship to the Coaching Agreement

The Promise set forth in Coaching Agreement Section 16.1 is a brand covenant governed exclusively by the operational procedures and limitations in Coaching Agreement Sections 16.3 to 16.7 and this Policy. It is a specific mechanism for refund, re-entry, or founder session engagement, executed strictly according to the procedures, timeframes, and notice formats in this Policy. It does not create consequential, special, indirect, punitive, or other liability outside of fees paid.

Only the Client may decide whether to invoke the Brother's Promise and which available option the Client elects. A third-party Sponsor's payment for a Client's seat does not transfer the Client's rights under the Brother's Promise to the Sponsor. The Sponsor may not invoke, waive, condition, modify, or select an option under the Brother's Promise for the Client. Sponsor cancellation does not constitute invocation of a Client's Brother's Promise.

2.3 The Options

A Client who validly invokes the Brother's Promise elects one of the following options.

Option A — Full Refund. For a self-funded Client, Option A is a full refund of the amount the Client paid to the Company for the enrollment covered by the Promise, processed to the original payment method in United States Dollars, subject to the other provisions of this Section.

For a Client whose seat was funded in whole or in part by a third-party Sponsor, the Client retains sole authority to invoke Option A. The amount refunded will equal the amount actually paid to A.B.L.E. and properly attributable to that Client's sponsored seat for the applicable enrollment. The monetary refund will be processed to the original payer through the original payment method, even though the Client is the person who invoked the Brother's Promise. Where the Client personally paid a portion of the applicable fee and a Sponsor paid another portion, A.B.L.E. may return each refundable amount to the payment source from which that amount was originally received.

For annual subscriptions, the Brother's Promise overrides the standard no-prorata cancellation rule in Section 1.5.

Option B — Re-entry. The Client may instead elect to walk the practice again: placement in a later cohort season, or re-entry to the tier he held, at no additional charge, subject to cohort availability and the Client's continued eligibility.

Option C — Founder Session. The Client may instead elect a one-to-one session with the Founder, scheduled within thirty (30) days of the election, to read the Client's own record with him and design the next step, at no additional charge.

2.4 Honoring Procedure

Eligibility to invoke. A Client may invoke the Brother's Promise once per enrollment, in writing, within the window stated in Coaching Agreement Section 16.3.

Notice. The Client invokes the Promise by writing to info@ableframework.com from the email address on his account, stating that he is invoking the Brother's Promise and, if he has chosen, which option he elects. No reason is required. A.B.L.E. will not ask the Client to justify his decision.

A.B.L.E. will then:

1. confirm that the invocation came from the Client;
2. acknowledge the invocation in writing within five (5) business days;
3. confirm the option elected, or offer the options if the Client has not chosen;
4. for Option A, determine the amount paid and properly attributable to the Client's enrollment (or, for a sponsored Member, to that Member's sponsored seat) and process the refund to the original payer and original payment method within ten (10) business days of the acknowledgment;
5. for Option B or C, schedule the re-entry or the session and confirm it in writing;
6. notify the Client when the refund has been processed or the placement confirmed; and
7. for a sponsored seat, update the seat according to Section 7.

Effect on membership. Invocation of Option A ends the membership at the time the refund is processed. Invocation of Option B or C continues the relationship on the terms confirmed in writing.

Confidentiality. A.B.L.E. is not required to disclose the substance of a Member's invocation, coaching communications, reasons, or other confidential information to a Sponsor. A Sponsor may receive only the resulting administrative seat status and financial information reasonably necessary to document the refund to the payer.

2.5 Limits of the Promise

The Brother's Promise does not:

• apply to a membership terminated for the Client's breach of the Coaching Agreement, the Terms of Use, or the Group Covenant;
• apply where the Client has previously invoked the Promise for the same enrollment;
• extend to any amount beyond the fees actually paid to A.B.L.E. for the applicable enrollment;
• create any warranty of outcome, result, or benefit; or
• entitle any person other than the Client to invoke it.

Section 3. Failed Payments and Access

If a recurring charge fails, A.B.L.E. will notify the payer of record by email and the payment processor will retry the charge according to its schedule. If payment is not received within seven (7) days of the first failed attempt, A.B.L.E. may suspend access to the membership until payment is made. If payment is not received within thirty (30) days, A.B.L.E. may cancel the subscription. Suspension for non-payment does not extend the billing period and does not entitle the payer to a refund.

To update a payment method, the payer writes to info@ableframework.com and A.B.L.E. sends a secure link. A.B.L.E. never asks for card numbers by email, and the payer should never send them.

Section 4. Chargebacks and Disputes

A.B.L.E. asks that a payer contact us before disputing a charge with a card issuer, because most concerns can be resolved directly and faster. Where a chargeback is filed for a charge that this Policy would have refunded, A.B.L.E. will treat the chargeback as the refund. Where a chargeback is filed for a charge that was valid under this Policy, A.B.L.E. may suspend the associated membership pending resolution and may provide the payment processor with the transaction records, consent timestamps, and agreement versions needed to respond, consistent with the Privacy Policy.

Section 5. Refund Processing

Refunds under this Policy are processed:

• in United States Dollars;
• to the original payer;
• through the original payment method where reasonably available; and
• according to the Company's ordinary refund-processing procedures and any timing required by applicable law.

Payment processor or card issuer processing times may affect when funds become visible to the payer after A.B.L.E. initiates the refund. A.B.L.E. does not pay interest on refunded amounts.

Section 6. FTC Cooling-Off Rule

A.B.L.E. sells memberships through its online checkout and electronic acceptance flow. A.B.L.E. does not sell memberships at the Client's home, workplace, or dormitory, or at facilities rented by the seller on a temporary or short-term basis, such as hotel or motel rooms, convention centers, fairgrounds, and restaurants, and does not conduct paid enrollment at in-person events or temporary locations.

If A.B.L.E. ever accepts a paid enrollment of $25 or more at such a location, the Federal Trade Commission's Cooling-Off Rule (16 C.F.R. Part 429) applies, and the buyer has the right to cancel the transaction for a full refund within three (3) business days. In that case A.B.L.E. will provide the required notice of cancellation and cancellation form at the time of sale, and no such sale will be made without counsel's compliant procedures in place.

Section 7. Sponsored Enrollment

The sponsored-enrollment provisions of this Policy are set out in Amendment No. 1, Sponsored Enrollment, which is incorporated into this Policy in full and controls where it and a general provision of this Policy conflict specifically as to sponsored-seat payment, seat allocation, or refund mechanics. In summary, and without limiting Amendment No. 1:

• A Sponsor purchases seats under a Sponsor Order Form. Sponsor payment does not enroll a Member and does not permit a Sponsor to accept agreements on a Member's behalf.
• The Sponsor has ninety (90) calendar days from purchase to name a proposed Member for each seat. An unnamed seat is released, refunded to the Sponsor's original payment method in the amount attributable to that seat, and removed from the recurring subscription quantity, unless A.B.L.E. has approved a written extension.
• Once a man is named and invited, a thirty (30) calendar day claim period begins. A seat not claimed in that period is released and refunded in the same way, subject to the reassignment provisions of Amendment No. 1.
• Sponsor cancellation is effective at the end of the then-current paid billing period; claimed Members retain access through the paid-through date; no prorated refund is owed solely for mid-period cancellation.
• The Sponsor receives only four administrative seat states (Available, Invitation Issued, Claimed, Released) and the financial information reasonably necessary to administer the purchase, and never any Member coaching information.
• The Brother's Promise belongs to the Member alone; where a sponsored Member invokes Option A, the refund goes to the original payer through the original payment method.

Section 8. Changes to This Policy

A.B.L.E. may amend this Policy through its established agreement-governance process. A material change is communicated to affected Clients and Sponsors by email and through the platform's acknowledgment flow before it takes effect, with the version number and effective date stated. A change does not reduce a refund right that had already accrued under the prior version.

Section 9. Contact

Questions about billing, cancellation, or refunds: info@ableframework.com. A person reads every message, and we answer within two business days.

A.B.L.E. Framework LLC, a Wyoming limited liability company.

Services are currently available only to residents physically located in the United States and Canada, excluding Quebec.