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

SECTION 1 — Scope and How This Policy Operates

1.1 — Coverage

This Policy applies to all paid Services offered by the Company, including the membership tiers (Foundation, Momentum, and Impact), future Standard Cohorts offered outside the tier structure, separately purchased one-on-one Success Architect sessions, and digital content. Where a specific program-type Section below applies to your enrollment, that Section governs along with the general provisions of this Policy.

Note (June 12, 2026): A.B.L.E. offers paid membership through the tier structure described in Section 4 and in Exhibit A (Tier Schedule) to the Master Success Architect Coaching Agreement. References in this Policy to a "Founding Cohort" as a distinct pricing or contractual class are retired effective June 12, 2026; the first cohort runs inside the Momentum or Impact tier like every cohort that follows. See Section 4.

For sponsored membership seats: This Policy also applies to sponsored membership seats purchased under an A.B.L.E. Sponsor Order Form.

For sponsored enrollment, this Policy governs:

• 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.

The Sponsor Order Form governs the Sponsor's purchase and seat-administration relationship with A.B.L.E.

The individual Coaching Agreement governs the Member's coaching relationship with A.B.L.E.

Separately purchased one-on-one Success Architect sessions are also governed by the Session Purchase Addendum accepted by the Client at purchase. The Addendum supplies the session-specific scheduling, cancellation, validity, and refund provisions, subject to applicable law and the order-of-precedence provisions of the governing agreements.

1.2 — Relationship to Coaching Agreement

For Clients enrolled in a paid coaching engagement governed by the Master Success Architect Coaching Agreement, this Policy operates as the operational governance for cancellation, refund, payment-plan obligations, chargebacks, and related financial matters. Where any conflict exists between this Policy and the Master Success Architect Coaching Agreement regarding cancellation, refund, or payment matters, this Policy governs as to those specific matters.

The Session Purchase Addendum constitutes the program-specific terms for separately purchased one-on-one Success Architect sessions contemplated by Section 5.2 of this Policy. As to the purchase, scheduling, validity, cancellation and refund treatment of Session Services, the Addendum supplements Sections 4, 7 and 11 of this Policy to the extent those Sections address separately purchased sessions, and controls over an inconsistent provision of this Policy to that extent, except where this Policy or the Master Success Architect Coaching Agreement affords the Client greater protection or applicable law requires otherwise.

For Session Services purchased under the amended Agreement and Session Purchase Addendum, the specific Brother's Promise provisions applicable to those purchases govern the calculation of refunds under that Promise. Nothing in this provision reduces any mandatory statutory right or any greater refund expressly provided under another applicable provision.

1.3 — Relationship to Terms of Use

For visitors and non-paying users of the Services, the Terms of Use govern. This Policy applies once a paid Service is purchased.

1.4 — No automatic refund

Refunds are not automatic. Refunds are processed only through the procedures described in this Policy or through the Brother's Promise mechanism described in Section 2, which applies to Clients at all membership tiers.

Sponsored-seat exception: Refunds for unnamed or unclaimed sponsored seats that become refundable under the sponsored enrollment provisions of this Policy are processed according to those provisions 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 — Operational scope

This Policy governs the operational mechanics of cancellation and refund. It does not modify the warranty disclaimers, limitation of liability provisions, dispute resolution provisions, or other risk-allocation provisions of the Master Success Architect Coaching Agreement or the Terms of Use.

1.6 — Currency and Geographic Availability

All purchases, payments, and refunds under the Services are processed in United States Dollars (USD), unless the Company expressly provides otherwise.

International Availability. Individual memberships and separately purchased Success Architect sessions are available to eligible adults worldwide except in jurisdictions restricted by the Company for the applicable Service. Restrictions may differ between memberships and separately purchased sessions. Sponsored enrollment and organizational participation require the Company's express authorization for the applicable jurisdiction. The Company publishes applicable restrictions through its enrollment and purchase processes. Nothing in this provision excludes or limits mandatory rights under applicable law.

For Clients located outside the United States, the International Member Addendum and any applicable jurisdiction-specific provisions govern in addition to this Policy.

Nothing in this Section excludes or restricts mandatory consumer protections applicable to an authorized Client.

Refunds are ordinarily processed in USD to the original payment method. Currency conversion and payment-provider charges are subject to applicable law and the disclosures made at purchase.

Tier membership is presented through the Company's community-platform storefront (Circle) and processed through the Company's own payment processor (Stripe), with A.B.L.E. Framework, LLC as the merchant of record. Funds settle directly to the Company; the platform vendor does not hold the Company's funds or control the Company's refunds. The billing venue does not alter the Company's refund and cancellation obligations under this Policy or the Brother's Promise: the Company remains solely responsible for issuing refunds to the original payment method, on the terms and within the timeframes set out in this Policy, regardless of the storefront through which the purchase was presented.

Payer of record for sponsored seats. For a sponsored seat, refunds are processed in United States Dollars 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 applicable location attestation governs the Member's geographic eligibility.

1.7 — Definitions for Separately Purchased Sessions

For this Policy:

Session Services means one-on-one Success Architect sessions, single or in a package, purchased separately from a membership under the Session Purchase Addendum.

Delivered session means a purchased session that the Success Architect has held with the Client and recorded as delivered. A session credit treated as used because of a late cancellation or a missed appointment is not a delivered session for the purposes of this Policy or of any mandatory consumer right.

Undelivered session means a purchased session that is not a delivered session, whether its credit is available, reserved for a booking, used by a late cancellation or missed appointment, expired, or restored. The Company does not deny a Brother's Promise refund of an undelivered session on the ground that its credit expired or was treated as used under the appointment policy.

Allocated value means, for a single session, its purchase price; for a session in a package, the package price divided by the number of sessions in the package.

SECTION 2 — The Brother's Promise (All Tiers)

2.1 — The governing instrument

For Clients at all membership tiers (Foundation, Momentum, and Impact), the Brother's Promise as set out in Master Success Architect Coaching Agreement Section 16 is the governing satisfaction mechanism for the engagement. The Brother's Promise gives the Client three options if the Client decides A.B.L.E. is not for him: a full refund of what the Client has paid, with the Company's blessing; the opportunity to re-enter when the Client is ready, no questions asked (for tiers with cohorts) or to pause and resume at the Client's original rate when ready (for the Foundation tier, which has no cohort); or a one-on-one session with the founder, Eric, to walk it through.

The Brother's Promise (v2, locked June 12, 2026):

To every man who walks this with me, I make this promise.

I'm not going to hedge with you. I believe in what you're stepping into, and I've built this whole thing on that belief — that a man who does this work, and stays with it, comes out different. So I'm not starting this promise from fear that it won't work. I'm starting it from my word that I'll stand behind you either way.

If you ever get to the edge and think about leaving, don't leave quiet. Come talk to your Success Architect first. Some of what you feel in this is meant to be felt — the weight is part of how a man gets rebuilt. Pressure and quitting can wear the same face. The conversation is how we tell them apart.

And if, after that, you know it's time, three doors stand open and you pick the one that's yours:

A full refund — all of it, no resistance.

A way back when you're ready — return to a future cohort if you were in one, or pause and step back in at your same rate if you weren't. You don't lose your place or your price.

A conversation with me, one to one. No script. Just you and what's next.

Whatever you choose, this is the part I will not let you miss: Your transformation is the goal, not your dollars.

I will give the money back before I will break the promise. Every time.

We are well A.B.L.E.

— Eric L. Harrison, Founder

The verbatim Brother's Promise above is the canonical Promise as set out in Coaching Agreement §16.1. It applies to Clients at all membership tiers. The operational mechanics in this Section 2 govern its invocation and honoring.

Sponsored seats. The Brother's Promise remains a covenant running to the individual Client.

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.

Only the Client may decide whether to invoke the Brother's Promise and which available option the Client elects.

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.

Separately purchased sessions. The Brother's Promise, in the words set out in Section 2.1 and in Master Success Architect Coaching Agreement Section 16.1, is unchanged by the provisions of this Policy governing Session Services. It remains the governing satisfaction mechanism for the Client's membership engagement at every tier.

The Brother's Promise also applies to Session Services, in the manner set out in Section 2.3 as it applies to Session Services, which distinguishes sessions already delivered from sessions not yet delivered. That application governs Session Services only and does not modify the Promise as it applies to membership purchases, sponsored seats, or any other Service.

2.2 — Membership tier pricing

SUPERSEDED June 12, 2026. The Founding Cohort pricing previously locked in this Section at one thousand four hundred ninety-seven United States dollars (USD $1,497.00) is formally retired per the tier model ratified June 12, 2026. Membership pricing now follows the tier structure in Exhibit A (Tier Schedule): Foundation $29.99/month or $299.99/year; Momentum $79.99/month or $799.99/year; Impact $199.99/month or $1,999.99/year. The first cohort runs inside the Momentum or Impact tier without distinct pricing.

Membership tier pricing is set out in Exhibit A (Tier Schedule) to the Master Success Architect Coaching Agreement. The cancellation and refund mechanics for each tier are set out in Section 4 of this Policy.

2.3 — How to invoke the Brother's Promise

A Client at any membership tier invokes the Brother's Promise by notifying the Company in writing of the Client's decision to invoke the Promise. Written notice may be provided by email to the Company at eric@ableframework.com or through the platform's designated communication channel.

The Client's written notice should identify which of the three options the Client elects:

• Option A — Full Refund. A full refund of what the Client has paid to the Company, processed to the original payment method in United States Dollars, regardless of tier and regardless of how long the Client has been subscribed. For annual subscriptions, the full refund under the Brother's Promise overrides the standard no-pro-rata annual cancellation posture in Section 4.
• Option B — Re-Entry or Pause-and-Resume. For Clients at tiers with cohorts (Momentum and Impact), the opportunity to re-enter the Services in a future cohort when the Client is ready, with no additional questions asked at re-entry. For Clients at the Foundation tier (which has no cohort), the equivalent option is to pause the subscription and resume at the Client's original rate when the Client is ready to re-engage. Re-entry or resumption timing is coordinated with the Company at the time the Client is ready.
• Option C — One-on-One Session with the Founder. A one-on-one session with Eric L. Harrison, founder of the Company, to walk through the Client's decision. Scheduling of the founder session is coordinated with the Company within a reasonable period after invocation.

Option A as applied to sponsored seats. For a self-funded Client, Option A remains a full refund of the amount the Client paid to the Company, processed to the original payment method in United States Dollars, subject to the other provisions of the Brother's Promise.

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 covered by the Brother's Promise.

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.

The Sponsor's status as payer does not give the Sponsor authority to invoke the Promise or select a remedy for the Client.

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 continues to override the standard no-prorata cancellation rule as otherwise provided in this Policy.

Option A as applied to separately purchased Session Services. For a Client's membership, Option A remains a full refund of the amount the Client paid to the Company for the membership, processed to the original payment method in United States Dollars, subject to the other provisions of the Brother's Promise.

For Session Services, a Client who invokes the Brother's Promise receives a full refund of the allocated value of every undelivered session in the purchase, without resistance, processed to the original payment method in United States Dollars, subject to applicable law. The Client need not justify, defend or explain the decision.

Sessions already delivered are not refunded under this application of the Brother's Promise. This limitation does not restrict any refund otherwise available under the Session Purchase Addendum, this Policy, the Master Success Architect Coaching Agreement, or applicable law, including a mandatory statutory cancellation right.

A Client who invokes the Brother's Promise for Session Services may also, or instead, elect Option B (the way back, as it applies to the Client's tier) or Option C (a one-on-one conversation with the Founder), as Section 2.3 provides.

Where a Client invokes the Brother's Promise for both the membership and Session Services, each is honored under its own rule.

Separately purchased Session Services are purchased by the Client for the Client only. Purchases of Session Services funded by a third-party sponsor, an organization, or any person other than the Client are not offered.

2.4 — How the Company honors the Brother's Promise

Upon receipt of the Client's written invocation, the Company will:

• acknowledge the Client's invocation within five (5) business days of receipt;
• coordinate the elected option with the Client per Section 2.3;
• if Option A is elected, process the refund to the original payment method within thirty (30) days of acknowledgment;
• if Option B is elected, document the re-entry pathway and coordinate with the Client when the Client is ready to re-enter;
• if Option C is elected, schedule the founder session within a reasonable period after acknowledgment.

The Company honors the Brother's Promise without requiring the Client to justify, defend, or explain the Client's decision. The Promise is a brand covenant; the Company's role is to honor the Client's choice without friction.

Sponsored Members. Where a sponsored Member invokes Option A of the Brother's Promise, A.B.L.E. will:

1. confirm that the invocation came from the Member;
2. determine the amount paid and properly attributable to that Member's sponsored seat;
3. acknowledge the Member's invocation according to the ordinary Brother's Promise procedure;
4. process the monetary refund to the original payer and original payment method within the otherwise applicable processing period;
5. notify the Member that the applicable refund has been processed; and
6. update the sponsored seat according to the Company's seat-administration rules.

A.B.L.E. is not required to disclose the substance of the Member's invocation, coaching communications, reasons, or other confidential information to the Sponsor.

A Sponsor may receive only the resulting administrative seat status and financial information reasonably necessary to document the refund to the payer.

Session Services. Where a Client invokes Option A for Session Services, A.B.L.E. will:

1. acknowledge the invocation within five (5) business days of receipt, as Section 2.4 provides;
2. determine, from the Company's records, which purchased sessions are delivered and which are undelivered as at the time the invocation was received;
3. calculate the refund as the allocated value of every undelivered session;
4. process the refund to the original payment method within thirty (30) days of acknowledgment, or sooner where applicable law requires;
5. mark the refunded session credits as refunded in the Company's records, preserving the history of each credit; and
6. notify the Client that the refund has been processed.

A session booked but not yet held at the time the invocation is received is an undelivered session; its booking is cancelled without charge.

2.5 — Standard refund posture outside the Brother's Promise scope

The Brother's Promise governs the satisfaction-based refund mechanism for Clients at all membership tiers. Beyond the Brother's Promise and the standard tier cancellation mechanics in Section 4, the Company does not offer additional refund mechanisms, except where a refund is required by applicable law or where the Company in its sole discretion elects to provide a refund in extraordinary circumstances.

The foregoing limitation does not apply to the voluntary cancellation and refund provisions expressly established for separately purchased Session Services under Section 5 of this Policy and the applicable Session Purchase Addendum.

For Session Services, the voluntary refund window and the proportional refund rules set out in Section 6 of the Session Purchase Addendum are refund mechanisms permitted by this Policy as program-specific terms under Section 5.2. They are in addition to the Brother's Promise and to any refund required by applicable law, and they do not limit either.

2.6 — Phase-1 designation and future revision

The membership tiers and the Brother's Promise are Phase 1 features of the A.B.L.E. Services. The Company reserves the right to revise the structure of future tiers, the pricing of future tiers, and the refund mechanics applicable to future tiers. Such revisions apply prospectively only. Clients enrolled under this Policy are not affected by future revisions with respect to their current paid term.

2.7 — Brother's Promise Operational Boundary

The Brother's Promise as set out in Master Success Architect Coaching Agreement Section 16 operates as a brand covenant governed by the operational provisions of this Refund and Cancellation Policy and Section 16 of the Coaching Agreement. The Brother's Promise is a specific mechanism of refund, re-entry, or founder session engagement — executed strictly according to the procedural requirements, timeframes, and notice formats detailed in this Policy and Section 16.3-16.7 of the Coaching Agreement.

The Brother's Promise does not constitute a mechanism for consequential damages, special damages, indirect damages, punitive damages, or any liabilities outside of the fees paid by Client to the Company under the Coaching Agreement. The Brother's Promise is not an unlimited legal remedy, warranty, or guarantee of any specific outcome beyond the three options expressly identified in Coaching Agreement Section 16.1.

SECTION 3 — Standard Cohorts (Post-Founding Cohort)

3.1 — Status

Standard Cohort programs (cohorts offered outside the tier structure) are not currently offered. Cohorts are currently offered inside the Momentum and Impact tiers (see Section 4 and Exhibit A); cohort access for tier members is governed by the tier mechanics in Section 4. The structure, pricing, and refund mechanics for any Standard Cohort offered outside the tier structure are reserved for future determination by the Company.

3.2 — Future considerations

When Standard Cohorts are offered, the Company will publish program-specific terms governing the cancellation, refund, payment-plan, and chargeback provisions applicable to Standard Cohort enrollments. Until that time, this Section 3 functions as a placeholder reserving the Company's future pricing determination.

Tier members are not affected by future Standard Cohort terms offered outside the tier structure.

SECTION 4 — Membership Tiers (Foundation, Momentum, Impact)

4.1 — Scope

This Section governs the cancellation and refund mechanics for the membership tiers — Foundation, Momentum, and Impact — described in Exhibit A (Tier Schedule) to the Master Success Architect Coaching Agreement. The Brother's Promise in Section 2 applies to all three tiers and may override the standard mechanics in this Section as described in Section 2.

4.2 — Monthly subscriptions

For Clients on a monthly subscription at any tier:

• Cancel anytime. A Client may cancel at any time through the platform. No notice period is required beyond the act of cancellation.
• Access through the paid month. Upon cancellation, the Client retains full tier access through the end of the then-current paid month, after which access ends.
• No partial-month refund. The Company does not refund the current paid month on cancellation, except under the Brother's Promise (Section 2) or where required by applicable law.
• No automatic re-enrollment. After cancellation, the Client must affirmatively re-subscribe to resume the Services.

4.3 — Annual subscriptions

For Clients on an annual subscription at any tier:

• Cancel anytime; access through the paid year. A Client may cancel at any time through the platform. Upon cancellation, the Client retains full tier access through the last day of the paid annual term, after which access ends.
• No pro-rated refund. The annual price reflects a discount relative to twelve months at the monthly rate. That discount is the consideration for the annual term commitment. The Company does not provide a pro-rated refund of the unused portion of an annual term on early cancellation, except under the Brother's Promise (Section 2) or where required by applicable law.
• No automatic renewal without affirmative consent. An annual subscription does not automatically renew. The Company will notify the Client at least thirty (30) days before the annual term ends, with an explicit option to renew. If the Client does not affirmatively renew, access ends at the conclusion of the paid annual term.
• Brother's Promise override. A Client who invokes the Brother's Promise (Section 2) on an annual subscription receives a full refund of the annual payment under Option A, not a pro-rated remainder.

4.4 — Tier changes

A Client may change tiers, subject to the following mechanics:

• Upgrades take effect immediately. When a Client upgrades to a higher tier (for example, Foundation to Momentum, or Momentum to Impact), the upgrade takes effect immediately, and the Client is charged the prorated difference in price for the remainder of the current billing period. The Client gains access to the higher tier's inclusions upon upgrade.
• Downgrades take effect at the next billing cycle. When a Client downgrades to a lower tier, the downgrade takes effect at the start of the next billing cycle. The Client retains the higher tier's access and inclusions through the end of the current paid period, with no refund of the current period. At the next billing cycle, the Client is charged the lower tier's price and receives the lower tier's inclusions.

4.5 — Failed payments and the grace window

A failed recurring payment is not a cancellation. When a Client's recurring payment fails — an expired card, a bank decline, or a similar interruption — the Company does not immediately revoke the Client's access. A failed payment is treated as a recoverable interruption, not as the Client choosing to leave.

The grace window. Upon a failed recurring payment, the Client's access continues for a grace window of thirty (30) days from the date of the first failed payment. During the grace window:

• The Client retains full access to the Client's tier and inclusions.
• The Company attempts to recover the payment (for example, through automatic retries and updated-card prompts).
• The Company, through a Success Architect, may reach out to the Client to let the Client know the payment did not go through and to ask whether the Client wishes to continue. This outreach reflects the Brother's Promise posture: a Client at the edge is invited to a conversation before anything ends.

If the Client wishes to stay. If the Client updates a working payment method during the grace window, access continues unbroken and the membership resumes as if no interruption occurred.

If the Client wishes to leave. If, during the conversation, the Client decides A.B.L.E. is not for him, the Brother's Promise (Section 2) is available to the Client in full — including the way back at the Client's original rate.

If the window passes with no resolution. If, at the end of the thirty (30) day grace window, the payment has not been recovered and the Client has not responded, the Client's membership is paused, not deleted. A paused membership is treated under the Brother's Promise "way back" door (Section 2.3, Option B): the Client may resume at the Client's original rate when ready, and the Client does not lose the Client's place or price. The pause is not a punitive termination; it is a held door.

This grace window applies identically across all tiers, consistent with the tier-spanning nature of the Brother's Promise. A failed payment is a payment that broke, not a Client who left; the Company treats it accordingly.

4.6 — What governs at each tier

The substance of what each tier includes is set out in Exhibit A (Tier Schedule). The cancellation and refund mechanics in this Section 4 apply identically across all three tiers, except where a tier's specific characteristics require a tier-appropriate mechanism (such as the Foundation pause-and-resume equivalence under the Brother's Promise, described in Section 2.3, Option B).

4.7 — Relationship to the Brother's Promise

Nothing in this Section 4 limits the Brother's Promise. A Client at any tier may invoke the Brother's Promise (Section 2) at any point in the Client's membership, and the Brother's Promise mechanics override the standard cancellation and refund mechanics in this Section 4 where they conflict.

SECTION 5 — One-on-One Success Architect Sessions Sold Separately

5.1 — Status

Separately sold one-on-one Success Architect sessions, as a single session or a package of three, are offered to members at any tier. Prices are stated on the Company's platform at the time of purchase.

5.2 — Program-specific terms

The Session Purchase Addendum, accepted by the Client at the time of purchase, is the program-specific terms governing the cancellation, refund, scheduling, rescheduling and validity provisions applicable to separately purchased sessions. The Addendum's version and the Client's acceptance are recorded as provided in Section 5.7 of the Terms of Use.

5.3 — Relationship to the Brother's Promise

The Brother's Promise applies to separately purchased sessions as set out in Sections 2.1, 2.3 and 2.4 of this Policy.

5.4 — Impact membership sessions

A one-on-one conversation with the Founder included in an Impact membership under Exhibit A (Tier Schedule) is a membership inclusion, not a separately purchased session. Its treatment follows the membership terms and Section 7 of the Session Purchase Addendum. It has no separately redeemable cash value.

5.5 — Purchaser

Separately purchased Session Services are purchased by the Client for the Client only. Purchases of Session Services funded by a third-party sponsor, an organization, or any person other than the Client are not offered.

SECTION 6 — Digital Content and Downloadable Resources

6.1 — Status

Standalone digital content products and downloadable resources sold separately from coaching enrollments are not currently offered. The structure, pricing, and refund mechanics for digital content are reserved for future determination by the Company.

6.2 — Future considerations

When digital content products are offered, the Company will publish program-specific terms governing the cancellation, refund, and access provisions applicable to digital content. Until that time, this Section 6 functions as a placeholder reserving the Company's future pricing determination.

SECTION 7 — Scheduling and Missed Sessions

7.1 — Client scheduling responsibility

Clients are responsible for attending scheduled Coaching Sessions or providing reasonable notice of need to reschedule per Master Success Architect Coaching Agreement Section 11.

7.2 — Missed sessions without notice

If a Client misses a scheduled Coaching Session without reasonable notice (typically twenty-four (24) hours' notice or as otherwise stated at scheduling), the Session counts as delivered for purposes of the program period and is not rescheduled, except where the Company in its discretion permits rescheduling.

7.3 — Company rescheduling

If a Success Architect or the Company needs to reschedule a Coaching Session, the Company will provide reasonable notice and propose alternative timing. Company rescheduling does not count against the Client's program-period session allocation.

7.4 — Force majeure events

Missed sessions caused by force majeure events (natural disasters, public health emergencies, telecommunications failure, governmental action, or similar causes beyond either party's reasonable control) are rescheduled rather than counted as delivered. The Company and the Client will coordinate alternative scheduling in good faith.

7.5 — Separately purchased sessions

For Session Services, Section 4 of the Session Purchase Addendum governs appointment cancellation, rescheduling, missed appointments, and the use or restoration of purchased session credits, in place of any inconsistent appointment-treatment provision in Section 7.2 of this Policy or Section 11 of the Master Success Architect Coaching Agreement. Section 7.3 (Company rescheduling) and Section 7.4 (force majeure) continue to apply to Session Services.

A session credit treated as used under the Addendum's appointment policy is not a delivered session for purposes of any mandatory statutory cancellation, refund, or consumer protection requirement, or for purposes of the Brother's Promise under Section 2.3 as it applies to Session Services.

SECTION 8 — Payment Disputes and Chargebacks

8.1 — Good-faith billing dispute process

If you believe a charge by the Company is incorrect, you agree to contact the Company first to discuss the charge in good faith before initiating a chargeback with your card issuer or payment provider. The Company will investigate billing disputes promptly and resolve legitimate billing errors.

Contact the Company at info@ableframework.com to initiate a billing dispute discussion.

8.2 — Chargebacks without prior contact

If you initiate a chargeback against the Company without first contacting the Company in good faith per Section 8.1, the Company may:

• treat the chargeback as a breach of these terms;
• suspend or terminate your access to the Services;
• pursue collection of the disputed amount;
• decline to honor the Brother's Promise mechanism where the chargeback represents an attempt to circumvent the Brother's Promise procedure;
• report the chargeback to the Company's records for future Service eligibility considerations.

8.3 — Successful chargebacks

If your card issuer or payment provider rules in your favor on a chargeback, the Company honors that determination. Your access to the Services may be suspended or terminated upon successful chargeback.

8.4 — Failed or reversed payments

Failed, late, reversed, disputed, or unpaid payments may result in suspension of access to the Services pending resolution. The Company may pursue collection of unpaid amounts.

SECTION 9 — Promotions, Discounts, and Special Pricing

9.1 — Promotional terms

The Company may from time to time offer promotional pricing, discounts, scholarships, or special offers. Promotional offers are subject to their own specific terms stated at the time of offer. The standard provisions of this Policy apply except where modified by the specific promotional terms.

9.2 — Tier pricing as standard

Membership tier pricing as stated in Exhibit A (Tier Schedule) and Section 2.2 is the standard enrollment price for each tier. Promotional offers, if any, are clearly identified as promotional.

9.3 — No price-match obligation

The Company is not obligated to match third-party pricing, competitor pricing, or any external benchmark. Tier pricing reflects the Company's pricing decision for each membership tier and is not subject to negotiation outside of Company-published promotional terms.

SECTION 10 — Program Changes by the Company

10.1 — Operational changes

The Company may make operational changes to the Services from time to time — including platform features, scheduling tools, content presentation, Success Architect assignment, cohort composition, and similar operational matters — without triggering a right of refund or cancellation, provided the changes do not materially diminish the Services to which the Client has enrolled.

10.2 — Material changes affecting committed enrollments

Material changes to program length, program fee, core program structure, the Brother's Promise procedure, or the risk-allocation provisions of the Master Success Architect Coaching Agreement for an existing cohort or program require Client consent per Coaching Agreement Section 30.

A Client who does not consent to a material change for the Client's existing enrollment retains the rights available under the Brother's Promise or under this Policy.

10.3 — Program discontinuation

If the Company discontinues a specific program in which a Client is enrolled, the Company will offer the Client either a refund of the prorated unused portion of the Client's program fees or a credit toward another Service offered by the Company, at the Client's election. The Brother's Promise mechanism remains available to all tier members as an additional pathway.

SECTION 11 — How to Request a Refund or Cancellation

11.1 — Contact method

Refund and cancellation requests should be submitted in writing to the Company at eric@ableframework.com or through the platform's designated communication channel. The request should include:

• the Client's name and account email;
• the program or Service for which the refund or cancellation is requested;
• the reason for the request (where applicable);
• for Clients invoking the Brother's Promise, the elected option per Section 2.3.

11.2 — Company acknowledgment

The Company acknowledges refund and cancellation requests within five (5) business days of receipt.

11.3 — Refund processing time

Approved refunds are processed to the original payment method within thirty (30) days of acknowledgment. Card issuer processing time may add additional days beyond the Company's processing time.

11.4 — Effectiveness of Cancellation Notice

A valid cancellation notice becomes effective when received by the Company through an authorized cancellation channel. The Company's acknowledgment confirms receipt but is not a condition of effectiveness. The effective cancellation date determines the application of the billing-period provisions in Section 4 and any mandatory cancellation rights applicable to the Client. A cancellation does not create a refund entitlement except as provided by this Policy, the Brother's Promise, or applicable law. Cancellation does not retroactively un-enroll the Client from prior program participation.

Where a Client exercises a statutory cancellation right under applicable law, the cancellation takes effect in accordance with that law and is not delayed by the Company's acknowledgment. For qualifying cancellations under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, reimbursement will be made without undue delay and no later than fourteen (14) days after the Company is informed of the consumer's decision to cancel, subject to the applicable statutory provisions.

For a change to a booked session under the Session Purchase Addendum, the effective time of the Client's notice is determined under Section 4.6 of the Addendum, not under this Section 11.4.

The acknowledgment rule in this Section 11.4 does not override any more favorable contractual cancellation mechanism expressly provided for separately purchased sessions under the Session Purchase Addendum.

SECTION 12 — Records and Privacy

The Company retains records of cancellation requests, refund requests, Brother's Promise invocations, chargeback events, and related financial actions per the Company's Data Retention Policy.

Personal Information collected through refund and cancellation processes is handled per the Privacy Policy.

For Session Services, the Company retains separate records of each purchase and the version and hash of the Session Purchase Addendum accepted; each session credit issued, reserved, used, released, restored, extended, expired or refunded; each booking, change and cancellation; each session delivered or missed; each refund authorized and executed, with the payment provider's reference; and each statutory request or acknowledgment given by the Client. These records are retained per the Company's Data Retention Policy.

SECTION 13 — Changes to This Policy

The Company may, from time to time, update, modify, or amend this Policy. The Company will communicate material changes through reasonable means, including posting on the website, posting on the platform, email to your account address if you have one, or other reasonable notification methods. The "Last Updated" date at the top of this Policy reflects the most recent material change.

Changes to this Policy apply prospectively to new enrollments. For Clients already enrolled under prior versions of this Policy, the version in effect at the time of enrollment continues to govern that enrollment, except where the Client expressly consents in writing to apply a revised version, or where applicable law requires application of the revised version.

The Brother's Promise procedure under Section 2 is not modified by subsequent Policy changes with respect to a Client's current paid term. A Client's tier pricing for the current paid term is not modified by subsequent Policy changes; price changes apply prospectively at renewal.

SECTION 14 — Sales Channel and FTC Cooling-Off Rule

The Services are sold exclusively through the Company's online platform via the standard checkout and clickwrap acceptance flow. Paid enrollment at temporary physical locations (events, hotels, conferences, churches, retreats, in-person sales calls outside the Company's permanent place of business) is not offered.

If the Company expands sales channels in the future to include in-person paid enrollment at temporary physical locations covered by the federal FTC Cooling-Off Rule (16 C.F.R. Part 429) or applicable state cooling-off statutes, the Company will provide the required cooling-off notice and cancellation form at the point of sale and will honor the statutory cooling-off period.

The FTC Cooling-Off Rule operational guardrail in this Section 14 applies to the sales channel and is not replicated in the Master Success Architect Coaching Agreement or the Terms of Use; the Refund and Cancellation Policy is the governing document for this guardrail.

SECTION 15 — Contact

Questions about this Policy may be directed to:

A.B.L.E. Framework, LLC

eric@ableframework.com

30 N Gould St Ste R, Sheridan, WY 82801, USA

END OF REFUND AND CANCELLATION POLICY

SECTION 16 — Sponsored Momentum Enrollment

A.B.L.E. permits an individual or organization, referred to as a Sponsor, to purchase one or more membership seats for use by separately eligible individual Members.

Sponsored enrollment separates the person or entity paying for the seat from the individual man receiving A.B.L.E. Services.

For sponsored enrollment:

• Sponsor = payer and purchaser
• Member/Client = individual receiving the Services
• Seat = paid entitlement that does not itself create membership

Sponsor payment does not enroll a Member and does not permit a Sponsor to accept agreements on a Member's behalf.

16.1 — Scope

These provisions apply when a Sponsor purchases one or more Momentum membership seats under a Sponsor Order Form.

A sponsored seat does not create membership by itself.

A Member must independently satisfy A.B.L.E.'s eligibility, Personal Study, consent, attestation, and agreement requirements before the seat becomes claimed.

16.2 — Ninety-Day Naming Period

For each sponsored seat, the Sponsor has ninety (90) calendar days from the purchase date to identify a specific proposed Member for that seat.

A seat for which no proposed Member has been named by the end of the ninety-day period is an unnamed seat.

Unless A.B.L.E. has approved a written extension before the naming period expires, an unnamed seat will be:

• released;
• refunded to the Sponsor's original payment method in the amount attributable to that unused seat; and
• removed from the applicable recurring subscription quantity for subsequent billing.

A.B.L.E. may extend the ninety-day naming period in writing.

The Company's record of the extension should identify the seat, original expiration date, revised expiration date, and reason for the extension.

16.3 — Thirty-Day Claim Period

When the Sponsor identifies a proposed Member and A.B.L.E. issues that man's invitation, a separate thirty (30) calendar day claim period begins.

The invited man must complete all requirements necessary to claim the seat during that period.

A seat becomes claimed only when the invited man:

• satisfies applicable eligibility requirements;
• completes the required Personal Study;
• completes required location and other attestations;
• independently ratifies the applicable agreement stack; and
• is attached to the sponsored seat in A.B.L.E.'s records.

Sponsor payment does not satisfy these requirements.

If the man does not complete them within the thirty-day period, the invitation expires unless A.B.L.E. approves a written extension.

A.B.L.E. may extend the claim period in writing with the reason recorded.

A claim period that begins before the end of the Sponsor's ninety-day naming period may continue for the full thirty days even if the ninety-day period expires during the active claim period.

16.4 — Reassignment During the Naming Period

If an invited man does not claim his seat within the thirty-day claim period and the original ninety-day naming period has not expired, the Sponsor may name another proposed Member to that seat.

If A.B.L.E. issues an invitation to the replacement proposed Member, a new thirty-day claim period begins for that proposed Member.

The replacement must have been named before expiration of the original ninety-day naming period unless A.B.L.E. has granted a written extension.

A claimed seat may not be reassigned by the Sponsor except with A.B.L.E.'s written approval.

16.5 — Unnamed Seats

An unnamed seat is a purchased sponsored seat for which no proposed Member has been identified before expiration of the applicable ninety-day naming period.

An unnamed seat that has not received a written extension will be released.

A.B.L.E. will refund the amount attributable to that unused seat to the Sponsor's original payment method.

The seat will be removed from the applicable recurring subscription quantity for future billing.

16.6 — Unclaimed Seats

An unclaimed seat is a sponsored seat for which an invitation was issued but the invited man did not complete the requirements necessary to claim the seat before expiration of the applicable thirty-day claim period.

If the original ninety-day naming period remains open, the Sponsor may reassign the seat as provided in Section 16.4.

If the seat is no longer eligible for reassignment because the applicable naming period has expired and no written extension applies:

• the seat will be released;
• the amount attributable to that unused seat will be refunded to the Sponsor's original payment method; and
• the seat will be removed from the applicable recurring subscription quantity for future billing.

16.7 — No Forfeiture of Unused Sponsored Seats

A.B.L.E. does not retain payment solely because a sponsored seat remained unnamed or unclaimed through expiration of the applicable naming and claim periods.

When a seat becomes refundable under Sections 16.5 or 16.6, A.B.L.E. will process the applicable seat refund according to this Policy.

This rule does not create a refund right for a seat that was properly claimed and used, except under the Brother's Promise, applicable cancellation rules, applicable law, or another express provision of this Policy.

16.8 — Written Extensions

A.B.L.E. may extend either:

• the ninety-day naming period; or
• the thirty-day claim period.

Any extension must be recorded in writing.

The record should identify:

• the sponsored seat;
• the proposed Member, if applicable;
• the original expiration date;
• the revised expiration date; and
• the reason for the extension.

An extension of one seat does not automatically extend any other seat.

16.9 — Seat States

For Sponsor-facing administration, each sponsored seat may be reported only through one of the following four states:

• Available — purchased and available for the Sponsor to name a proposed Member.
• Invitation Issued — a proposed Member has been named and A.B.L.E. has issued that man's invitation.
• Claimed — the man independently completed the requirements necessary to claim the seat.
• Released — the seat is no longer assigned or available under the applicable expiration, cancellation, release, or refund rule.

These administrative states do not authorize disclosure of Member coaching information.

16.10 — Sponsor Cancellation

A Sponsor may cancel its sponsored subscription according to the cancellation procedure provided by A.B.L.E. and the terms accepted at checkout.

Unless applicable law or the Sponsor's accepted checkout terms require otherwise:

• cancellation becomes effective at the end of the then-current paid billing period;
• properly claimed Members retain sponsored access through the applicable paid-through date;
• the Sponsor does not receive a prorated refund solely because it canceled during the paid period; and
• future recurring charges cease after the applicable cancellation effective date.

Sponsor cancellation does not:

• invoke the Brother's Promise;
• authorize the Sponsor to invoke the Promise for a Member;
• waive a Member's rights;
• retroactively cancel prior Member participation; or
• authorize access to Member coaching information.

16.11 — Claimed Seats and the Brother's Promise

Once a sponsored seat has been claimed, ordinary Sponsor cancellation and the Member's Brother's Promise are separate mechanisms.

The Sponsor controls whether it will continue paying for the sponsored subscription.

The Member controls whether he will invoke the Brother's Promise.

If a sponsored Member invokes a monetary refund under the Brother's Promise:

• the Member makes the decision;
• A.B.L.E. calculates the amount paid and attributable to that Member's seat;
• the refund is returned to the original payer through the original payment method; and
• Sponsor payment does not create authority to interfere with the Member's invocation.

16.12 — Sponsor Privacy Limit

A Sponsor's entitlement to billing information or a refund does not entitle the Sponsor to information regarding:

• why a Member invoked the Brother's Promise;
• Personal Study content;
• Personal Use Cases;
• coaching correspondence;
• Success Architect communications;
• Founder correspondence;
• community activity;
• Member reflections;
• Member progress;
• attendance details;
• outcomes; or
• other confidential Member information.

A.B.L.E. may provide the Sponsor only the administrative seat state and financial information reasonably necessary to administer the sponsored-seat purchase.

16.13 — Relationship to Existing Membership Cancellation Rules

The existing individual monthly and annual membership cancellation provisions remain in force for individual Clients except to the extent this Amendment expressly addresses sponsored payment mechanics.

Nothing in this Section 16 eliminates or limits the Brother's Promise.

Nothing in this Section 16 gives a Sponsor rights under the individual Coaching Agreement merely because the Sponsor paid for a seat.

Where this Section 16 and a general provision of this Policy conflict specifically as to sponsored-seat payment, seat allocation, or refund mechanics, this Section 16 controls.

Where the issue concerns the individual Member's coaching relationship or individual rights, the Coaching Agreement and Member-specific agreement stack continue to govern.

16.14 — Refund Processing

Refunds under this Section 16 will be 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 Sponsor after A.B.L.E. initiates the refund.