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Terms & Conditions

Best Days Labs LLC | The Advisors Machine

Last Updated: July 18, 2026 | Effective Date: July 18, 2026

Read This First

These Terms & Conditions (“Terms”) are a binding legal agreement between you and Best Days Labs LLC, a Louisiana limited liability company (“Best Days Labs,” “Company,” “we,” “us,” or “our”).

These Terms contain a binding arbitration provision and a class action waiver in Section 27. They affect your legal rights, including your right to bring a lawsuit in court and to have a jury hear your claims. Please read Section 27 carefully. You may opt out of arbitration within 30 days as described in Section 27.8.

Best Days Labs LLC operates The Advisors Machine, a website and resource hub serving financial advisors and their firms. Through Best Days Labs LLC and The Advisors Machine, we offer products and services including The Seminar Machine (marketing training), Brand Machine (brand strategy), SeminarIQ (a seminar economics simulation and planning tool), and a free Scorecard diagnostic tool.

“You” and “your” refer to any visitor, registrant, purchaser, customer, Authorized User, or user of our websites, products, services, communications, or portals. If you are accepting these Terms on behalf of a firm, entity, or organization, you represent that you have authority to bind that entity, and “you” includes that entity.

1. Acceptance of These Terms

You accept these Terms when you do any of the following:

  • Check the box or click the button indicating your agreement at checkout, registration, or account creation
  • Purchase any product or service from us
  • Create an account or access any portal, course, community, or software tool we operate, including SeminarIQ
  • Submit information through the Scorecard, SeminarIQ, or any other form or tool we operate
  • Register for or attend a webinar, training, or event
  • Access or use our websites

Our records regarding your acceptance of these Terms, including the date, time, IP address, and version presented to you, shall be conclusive evidence of your acceptance absent manifest error.

If you do not agree to these Terms, do not purchase our products, create an account, or use our websites or tools.

2. Websites and Platforms Covered

These Terms apply to our websites, platforms, tools, and related pages, including:

3. Who Our Products Are For

Our products and services are designed for financial advisors, insurance producers, financial services professionals, and the firms and staff who support them. They are business-to-business products, sold to businesses for business purposes.

Our products are not designed for, marketed to, or intended for use by retail investors, consumers, or members of the general public seeking financial advice.

By purchasing or using our products, you represent that you are acquiring and using them for business or commercial purposes and not for personal, family, or household purposes.

We do not provide services to your clients. We do not contact your clients. We do not receive your client data, and you must not send it to us or enter it into any tool we operate. See Section 21 and the SeminarIQ Product Addendum.

4. Products and Services Offered

Through The Advisors Machine, Best Days Labs LLC offers products and services that may include:

The Seminar Machine. A marketing training product. Purchase and use of The Seminar Machine may also be governed by product-specific Terms and a product-specific Refund Policy presented at the time of purchase, which apply in addition to these umbrella Terms. Where no product-specific document is presented, these Terms control.

Brand Machine. Brand strategy and consulting services for financial advisors. Engagement of Brand Machine services may be governed by a separate written Service Agreement, which controls in the event of any conflict with these umbrella Terms. Where no Service Agreement is executed, these Terms control.

SeminarIQ. A web-based seminar economics simulation and planning tool. SeminarIQ is not sold separately. Access is granted only as a component of another product or promotion, currently:

  • SeminarIQ (base). Simulation and optimization features only. Provided at no charge to qualified attendees of our webinars, as a promotional courtesy.
  • SeminarIQ Pro. Provided as a bundled component of The Seminar Machine to purchasers in good standing.

Use of SeminarIQ is governed by these Terms and by the SeminarIQ Product Addendum, which is incorporated into these Terms by reference and which controls in the event of any conflict with these Terms with respect to SeminarIQ.

The Scorecard / Diagnostic Tool. A free diagnostic tool that provides feedback based on information you submit. Educational and informational purposes only.

Other tools, resources, webinars, communications, and content offered through our websites from time to time.

4.1 We May Change or Discontinue Anything

Specific features, format, schedule, content, curriculum, bonuses, live components, community access, software features, calculation models, tools, platforms, access periods, and delivery methods may be changed, replaced, reduced, degraded, or discontinued at any time, in our sole discretion, without notice and without liability to you.

Any reference to “lifetime,” “unlimited,” “ongoing,” or “continued” access means for as long as we continue to offer the applicable product or platform in our sole discretion, and does not obligate us to offer any product, platform, tool, community, or live component indefinitely.

Discontinuation or modification of any product, feature, tool, or component does not entitle you to a refund, credit, extension, or other compensation.

4.2 Bundled and Promotional Products Have No Independent Value

SeminarIQ access, in any tier, is not separately purchased, is not separately priced, and has no independent value.

  • No allocation of price. No portion of the purchase price of The Seminar Machine or any other product is allocated to, or paid in consideration of, SeminarIQ access. SeminarIQ is a bundled courtesy, not a purchased good.
  • No consideration for the free tier. SeminarIQ base access provided in connection with a webinar or promotion is provided at no charge and for no consideration. You pay nothing for it and you are owed nothing in respect of it.
  • No refund exposure. No claim relating to SeminarIQ, including its availability, performance, features, accuracy, discontinuation, or any data in it, entitles you to any refund, credit, extension, or price adjustment on any other product.

4.3 We May Withdraw SeminarIQ at Any Time

We may suspend, restrict, degrade, gate, modify, or permanently discontinue SeminarIQ, in whole or in part, for any user or for all users, at any time, in our sole discretion, with or without cause, and with or without notice.

We may do so including where we determine that continued provision is not commercially, technically, or legally advisable. We have no obligation to continue offering SeminarIQ, to any person, for any period.

No such action entitles you to any refund, credit, extension, damages, or other compensation, and no such action is a breach of these Terms.

5. Educational and Informational Purpose

The Advisors Machine, the Scorecard, SeminarIQ, and our related content are provided for educational, informational, and internal business planning purposes. They are designed to teach concepts, frameworks, strategies, and implementation ideas, and to provide feedback, analysis, or projections based on assumptions you supply.

We do not guarantee any specific business, marketing, financial, client-acquisition, appointment, revenue, profit, conversion, return-on-investment, or other result. Additional terms, including terms specific to SeminarIQ projections, are described in our Results Disclaimer, which is incorporated into these Terms by reference.

6. No Professional Advice and No Fiduciary Relationship

Our websites, products, tools, software, and services do not provide legal, tax, investment, accounting, regulatory, compliance, or other professional advice.

We are not your compliance department, your attorney, your accountant, or your consultant. No attorney-client, adviser-client, agency, partnership, or fiduciary relationship is created by your use of our products, your use of any software tool we operate, your participation in any community or coaching call, or any communication with us or our personnel.

No output of any tool we operate, including any SeminarIQ projection, score, recommendation, or optimization, constitutes advice, an approval, a pre-approval, a certification, or a determination that anything is compliant with any rule that applies to you.

Statements made by our founders, instructors, coaches, staff, contractors, or community members are opinions and general education only, and are not advice directed to your specific situation.

7. Your Regulatory and Compliance Responsibilities

This section is important. Read it carefully.

You are a regulated professional. Our materials and tools include marketing concepts, scripts, templates, seminar frameworks, advertisements, invitations, presentations, social media content, communications, and financial projections and economic models that, when used by you, may constitute advertising, sales literature, retail communications, advertisements, or hypothetical performance under laws and rules that apply to you, including but not limited to:

  • SEC Rule 206(4)-1 under the Investment Advisers Act (the Marketing Rule), including its requirements governing the presentation of hypothetical performance and projected performance
  • FINRA Rules 2210, 2211, and related rules, if you are associated with a broker-dealer, including rules governing projections of performance
  • State insurance advertising, suitability, annuity, and senior-designation rules
  • State securities and investment adviser rules
  • The Telephone Consumer Protection Act, the Telemarketing Sales Rule, CAN-SPAM, and state telemarketing, do-not-call, and text-messaging laws
  • Regulation S-P, the Gramm-Leach-Bliley Act, and state privacy and data-security laws applicable to your clients’ information
  • The rules, policies, and pre-approval requirements of your broker-dealer, RIA, IMO, insurance carrier, or other supervising firm
  • Books-and-records and retention obligations that apply to your firm

You are solely responsible for:

  1. Obtaining any required review, approval, or pre-approval from your compliance department, supervising firm, or carrier before using any of our materials or any output of any tool we operate
  2. Modifying our materials so that they comply with the rules that apply to you
  3. Obtaining any legally required consent before calling, texting, emailing, or otherwise contacting any prospect, and maintaining your own consent, do-not-call, and suppression records
  4. Retaining copies of communications and advertisements as your firm’s books-and-records obligations require. See Section 7.1.
  5. Determining whether any strategy, script, template, communication, advertisement, testimonial practice, seminar practice, meal or event practice, projection, financial illustration, or process is permitted for you
  6. Ensuring that no output of SeminarIQ, and no figure derived from it, is presented to any prospect, client, investor, or member of the public. See Section 7.2 and the SeminarIQ Product Addendum.

We provide templates, frameworks, and tools. We do not review, approve, or certify your use of them, and we make no representation that any material or output is compliant with any rule that applies to you. Nothing we provide has been reviewed or approved by the SEC, FINRA, any state regulator, or any insurance carrier.

If your compliance department or supervising firm prohibits or restricts something taught in our materials or produced by our tools, their requirements control, and their prohibition does not entitle you to a refund.

7.1 We Are Not Your Recordkeeper

This is important and you should not misunderstand it.

No product, portal, community, or software tool we operate — including SeminarIQ — is a books-and-records system, a recordkeeping system, an archive, a compliance system, or a system of record for any purpose, including for purposes of Advisers Act Rule 204-2, FINRA Rule 4511, or any state or firm retention requirement.

You are solely responsible for your own books, records, and retention obligations.

  • We have no obligation to retain, preserve, archive, back up, export, produce, restore, or account for any data, content, scenario, projection, campaign record, communication, or other information in any product or tool we operate, for any period.
  • We may delete, purge, or lose any of it at any time, for any reason or no reason, with or without notice, and without liability.
  • We are not obligated to respond to, and we may in our discretion decline to respond to, any request from you, your firm, your supervising entity, or any regulator to produce, preserve, or restore data, except where compelled by valid legal process served on us.
  • If you require a record, export it and store it yourself. If you fail to do so and the record is lost, that is your loss and not ours.

Do not rely on any product or tool we operate as your archive. If your firm’s retention obligations require you to preserve something you created using our tools, preserving it is your responsibility, using your systems.

7.2 SeminarIQ Projections Are Internal Only

SeminarIQ produces hypothetical projections calculated from assumptions you supply. They are not results, not predictions, and not representations of any outcome.

You may not use, reproduce, distribute, display, or reference any SeminarIQ output, or any figure or chart derived from it, in any communication to any prospect, client, investor, or member of the public, or in any advertisement, marketing material, seminar presentation, or sales material.

Doing so may cause the communication to constitute an advertisement containing hypothetical or projected performance under SEC Rule 206(4)-1 or FINRA rules, triggering obligations that we do not satisfy for you. That exposure is entirely yours.

Violation of this Section is a material breach of these Terms. See the SeminarIQ Product Addendum and Section 25.

8. Eligibility

Our websites, products, tools, and services are intended for business professionals who are at least 18 years of age. By using our websites, tools, or purchasing our products, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

Our websites, products, and tools are not directed to children, and we do not knowingly collect personal information from anyone under 18.

9. Your License to Use Our Materials and Tools

9.1 Firm License

Subject to your compliance with these Terms and payment in full (where applicable), we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license, during your access period, to access and use our materials and tools for the internal business use of your firm.

Unless the applicable order page or a separate written agreement expressly states a different number, a purchase covers one (1) Licensed Firm and up to five (5) Authorized Users.

“Licensed Firm” means the single advisory practice, agency, or business entity identified at the time of purchase or registration.

“Authorized User” means an individual who is an owner, employee, W-2 staff member, or contracted 1099 staff member of the Licensed Firm, and who is identified to us and provided their own individual login credentials.

SeminarIQ seats. SeminarIQ Pro access is included for the Licensed Firm’s Authorized Users, up to the number stated at the time of purchase. SeminarIQ base (free/promotional) access is limited to one (1) individual user and one (1) firm, is personal to the individual who registered, and may not be shared with anyone.

Additional Authorized Users beyond the number included may be added at our then-current rates, in our discretion. We are not obligated to offer additional seats.

Each Authorized User must have their own individual login. Login credentials may not be shared, transferred, or used by more than one person.

9.2 What You May Do (Permitted Use)

You may:

  • Access, download, and use our materials for the internal business purposes of your Licensed Firm
  • Use and modify our templates, scripts, worksheets, presentations, invitations, advertisements, Scorecard outputs, and similar materials for use by your Licensed Firm
  • Use SeminarIQ to model, plan, and evaluate your own firm’s seminar economics, for your own internal planning purposes
  • Use our materials to market, promote, and sell your own advisory, planning, insurance, and financial services to your own prospects, clients, and the public. This is the purpose of the products. Delivering a seminar, sending an invitation, running an ad, or holding a client meeting using our frameworks is expressly permitted.
  • Have your Authorized Users implement our materials on behalf of your Licensed Firm
  • Engage a third-party vendor (such as a printer, ad agency, or marketing contractor) to execute a specific campaign for your Licensed Firm only, provided you remain responsible for their compliance with these Terms and they do not retain or reuse our materials for anyone else

For the avoidance of doubt, Section 9.2 does not permit you to show any SeminarIQ output to any prospect, client, or member of the public. See Sections 7.2 and 9.3.

9.3 What You May Not Do (Restricted Use)

You may not, without our express prior written permission:

  • Train, coach, consult, or provide services to other financial advisors, agents, producers, recruits, downline teams, agencies, IMOs, broker-dealers, RIAs, or other firms using our materials or tools
  • Provide, resell, license, sublicense, distribute, publish, or otherwise transfer access to our materials or to SeminarIQ to any person or entity outside your Licensed Firm
  • Use SeminarIQ, or any SeminarIQ output, on behalf of, or for the benefit of, any firm other than your Licensed Firm
  • White-label, rebrand, or represent our materials, frameworks, methods, tools, or software as your own
  • Create derivative courses, trainings, workshops, masterminds, coaching programs, consulting programs, calculators, models, spreadsheets, or competing products based on our materials, our tools, our calculation models, or their outputs
  • Extract, replicate, reconstruct, or reverse engineer the SeminarIQ calculation model, its formulas, its default assumptions, or its optimization logic, whether by inspection of outputs, systematic input variation, scraping, or any other means
  • Share login credentials or provide account, course, portal, community, or software access to anyone who is not an Authorized User
  • Record, download, rip, scrape, or capture our videos, live calls, portal content, community content, or software interfaces, except where we expressly permit downloads
  • Use our materials, our tools, or any output of our tools, in whole or in part, to train, fine-tune, or develop any artificial intelligence or machine learning model, or to build any product or service that competes with ours
  • Present, display, or distribute any SeminarIQ output to any prospect, client, investor, or member of the public (see Section 7.2)
  • Enter, upload, or transmit any nonpublic personal information about any client or consumer into SeminarIQ or any other tool we operate (see Section 21)
  • Remove copyright, trademark, confidentiality, or proprietary notices
  • Use our materials or tools in any way that violates applicable law or the rights of any third party
  • Use our websites, portals, tools, or communities for spam, harassment, unlawful activity, recruiting, or disruptive conduct

A note on AI tools: You may use general-purpose AI tools to help you adapt our materials for your own Licensed Firm’s use. You may not upload our materials to any service that will use them to train a model, make them publicly available, or use them for the benefit of anyone other than your Licensed Firm. You are responsible for reviewing the terms of any AI tool you use.

9.4 Audit, Enforcement, and Stipulated Damages

We may suspend or terminate access, without refund, if we reasonably believe your account has been shared, transferred, or misused, or that our materials or tools are being used outside the scope of this license.

We may monitor, log, and audit use of our tools, including login activity, IP addresses, session data, access patterns, and usage telemetry, and may use that information as evidence of a violation.

You acknowledge that unauthorized sharing, resale, republication, or use of our materials or tools causes harm that is difficult to quantify. You agree that in the event of unauthorized access sharing or unauthorized distribution of our materials or unauthorized provision of SeminarIQ access to any person outside your Licensed Firm, we are entitled, at our election and in addition to any other remedy, to stipulated damages of two thousand five hundred dollars ($2,500) per instance, plus our reasonable attorneys’ fees and costs of enforcement. You agree that this amount is a reasonable estimate of our probable loss and is not a penalty.

You further agree that we are entitled to seek injunctive relief without the necessity of posting a bond to stop unauthorized use of our materials or tools.

9.5 Software-Specific Restrictions

With respect to SeminarIQ and any other software we operate, you may not:

  • Reverse engineer, decompile, disassemble, or attempt to derive the source code, models, algorithms, or formulas
  • Probe, scan, penetration-test, or test the vulnerability of the application or its infrastructure without our express prior written authorization
  • Circumvent or attempt to circumvent authentication, authorization, rate limiting, feature gating, tenant isolation, or any other access control
  • Access, or attempt to access, any data belonging to any other firm or user
  • Use any robot, spider, scraper, or automated means to access the application
  • Introduce any malware, virus, or malicious code
  • Impose an unreasonable or disproportionate load on our infrastructure
  • Use the application to build, train, benchmark, or evaluate a competing product

Any of the foregoing is a material breach and may result in immediate termination without refund, in addition to any other remedy, including injunctive relief and referral to law enforcement.

10. Intellectual Property

All content, materials, videos, recordings, Scorecard outputs, software, source code, applications, user interfaces, calculation models, formulas, algorithms, default assumptions, optimization logic, data models, database schemas, frameworks, methods, systems, scripts, templates, worksheets, documents, names, designs, text, graphics, logos, training materials, portal content, and related intellectual property provided by Best Days Labs LLC, The Advisors Machine, The Seminar Machine, Brand Machine, SeminarIQ, the Scorecard tool, or any related products or services are owned by Best Days Labs LLC or its licensors and are protected by copyright, trademark, trade secret, and other intellectual property laws.

The SeminarIQ calculation model, its formulas, its default assumptions, its optimization logic, and its methodology are our confidential information and trade secrets.

You receive only the limited license described in Section 9. You do not receive ownership of any intellectual property.

Any content you create (your own seminar, your own ad, your own client materials) using our templates as a starting point is yours, subject to our continuing ownership of the underlying templates, frameworks, systems, methods, software, and models, and subject to Section 7.2.

11. Payment Terms

Pricing is stated on the applicable checkout page or product Terms at the time of purchase.

Payment is due in full at the time of purchase unless a different arrangement is expressly stated in writing.

You agree to provide accurate billing and payment information and authorize us and our payment processor to charge your selected payment method for the full purchase price and any applicable taxes or fees.

Payment plans. If you purchase on a payment plan, you authorize recurring charges on the stated schedule until paid in full. The full purchase price is due regardless of whether you continue to use the product. Failure to complete a payment plan is a breach of these Terms, may result in immediate suspension or termination of access without refund (including SeminarIQ access), and accelerates the entire remaining balance, which becomes immediately due. You are responsible for our costs of collection, including collection agency fees and reasonable attorneys’ fees.

Failed payments. If a payment fails, we may retry the charge, suspend access, and charge you any fees we incur.

You are responsible for any applicable sales, use, or similar taxes.

12. Refunds

Refund terms vary by product:

The Seminar Machine. All sales final, no refunds, as set forth in the Refund Policy presented at checkout and in this Section 12.

Brand Machine. Refund terms are governed by the separate Brand Machine Service Agreement, if any. In the absence of an executed Service Agreement, this Section 12 controls.

SeminarIQ. Not separately purchased. No refund is available for SeminarIQ in any circumstance, because no payment is allocated to it. See Sections 4.2 and 12.6.

Free tools (such as the Scorecard and SeminarIQ base access) and other no-cost interactions. Not applicable. No payment is collected.

Other paid products or services. Refund terms, if any, will be stated on the applicable checkout page or product Terms at the time of purchase.

12.1 General Policy

For any paid purchase not governed by an expressly stated product-specific refund policy, all sales are final and we do not offer refunds, except where required by applicable law.

This applies whether or not you access the materials, use the tools, attend related events, complete the program, implement what is taught, achieve any particular result, change your mind, decide the product is not a fit, are unable to attend live offerings, are prohibited by your firm or compliance department from using the materials, or experience business, scheduling, technical, or personal circumstances that prevent use of the product.

12.2 No Results-Based Refunds

Our products are educational and informational. Dissatisfaction with business results, marketing results, client acquisition, sales performance, revenue, profit, or return on investment does not entitle you to a refund. See our Results Disclaimer.

Dissatisfaction with the accuracy, applicability, or outcome of any SeminarIQ projection does not entitle you to a refund. A projection is arithmetic performed on assumptions you supplied.

12.3 No Refunds for Access Issues Caused by User Conduct

We do not provide refunds if access is suspended or terminated because of a violation of these Terms, including sharing login credentials, unauthorized distribution of materials, unauthorized sharing of SeminarIQ access, entering client information into SeminarIQ, presenting SeminarIQ output to prospects or clients, chargebacks, payment disputes, misuse of products or tools, or infringement of our intellectual property.

12.4 Discretionary Accommodations

Any refund, credit, extension, or accommodation we may choose to provide is made in our sole discretion as a one-time courtesy, does not create a policy or precedent, and does not waive any term of this Section 12.

12.5 Conflict

In the event of a conflict between an expressly stated product-specific refund policy and this Section 12, the product-specific policy controls for that product.

12.6 SeminarIQ Does Not Create Refund Rights in Any Other Product

No event relating to SeminarIQ gives rise to any refund, credit, extension, price adjustment, or claim in respect of The Seminar Machine or any other product.

This includes, without limitation: the unavailability, downtime, degradation, modification, feature removal, gating, discontinuation, or permanent withdrawal of SeminarIQ; any error, inaccuracy, or defect in any SeminarIQ output; any loss, corruption, or deletion of any data in SeminarIQ; and any suspension or termination of your SeminarIQ access.

SeminarIQ is a bundled courtesy. Its presence, absence, or condition is not part of the consideration for any product you purchased.

13. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute for a valid purchase, we reserve the right to dispute the chargeback, provide transaction records, access records, and IP and usage logs to the card network and payment processor, suspend or terminate your access, and pursue any available remedies, including collection of amounts owed, chargeback fees, and our costs of collection and reasonable attorneys’ fees.

Initiating a chargeback for a purchase you made and accessed is a breach of these Terms.

14. Live Q&A Calls, Webinars, and Events

We may offer live Q&A calls, webinars, live events, and similar interactions. We may modify or discontinue the schedule, format, platform, frequency, or availability of any live offering at any time, in our sole discretion, without liability.

Recording consent. Live calls, webinars, coaching sessions, and events may be recorded and monitored. By participating, you consent to being recorded and monitored, including your name, voice, image, likeness, screen content, and any comments or questions you contribute, and you grant us a perpetual, worldwide, royalty-free license to use, reproduce, edit, and display those recordings in our products, communities, and marketing.

If you do not wish to be recorded, do not turn on your camera or microphone and do not post in the chat.

Do not share your screen while displaying client information. If you do, you do so at your own risk, and Section 21 applies.

We are not responsible if you are unable to attend a live offering. Missed live offerings do not entitle you to a refund, credit, extension, or other compensation.

15. Communities and User Content

If we operate a community, forum, or group (including on Skool or a similar platform), the following apply:

  • You are responsible for anything you post
  • You may not post any client’s personal or financial information, any other person’s confidential information, or any material nonpublic information
  • You may not post screenshots of SeminarIQ output containing projections, if doing so would disclose another firm’s information, and you may not post any screenshot containing client information
  • You may not use the community to recruit, solicit, or sell to other members, or to promote competing products, without our written permission
  • You may not post unlawful, harassing, defamatory, or infringing content
  • We may read, monitor, moderate, remove, or retain any content, and remove any member, at our sole discretion and without notice
  • We have no obligation to monitor, moderate, preserve, back up, or restore any content, and we are not liable for any content posted by any member or for any loss of content

By posting content, you grant us a worldwide, royalty-free, non-exclusive, perpetual, irrevocable, sublicensable license to use, reproduce, modify, and display that content in connection with operating and promoting our products and community. You retain ownership of your content.

16. User Submissions, Feedback, and Testimonials

If you submit questions, comments, testimonials, feedback, suggestions, ideas, or other content to us, including through the Scorecard tool or SeminarIQ, you grant us the right to use that content to respond to you, improve our products and tools, operate our business, and, where permitted, market our products and services.

Client information is excluded from this Section. Nothing in this Section 16 grants us, and we expressly disclaim, any license or right to use any nonpublic personal information about any client or consumer that you may transmit to us in violation of Section 21. Any such information is governed exclusively by Section 21, and we may delete it at any time without notice.

Feedback and ideas. Any suggestion, idea, feature request, or improvement you provide is non-confidential, and you grant us a perpetual, irrevocable, worldwide, royalty-free, fully-paid license to use and commercialize it without any obligation, attribution, or compensation to you.

Testimonials. We may use testimonials, reviews, and feedback you provide as permitted by applicable law and any permission or release you provide.

If you provide a testimonial:

  • You represent that the statements are truthful, reflect your actual experience, and that any results you describe were actually achieved by you
  • You will disclose to us any material connection between you and Best Days Labs LLC, its principals, or its affiliates (for example, a discount, free or extended access, compensation, an affiliate commission, or a business or employment relationship), so that we can disclose it as required by law
  • You agree we may edit for length and clarity without changing the substance
  • You grant us a perpetual, worldwide, royalty-free license to use your name, firm name, likeness, image, voice, and statements in our marketing, in any medium, unless and until you revoke that permission in writing
  • If your testimonial describes results, you acknowledge that you are responsible for determining whether your participation constitutes an advertisement, endorsement, or testimonial under the rules that apply to you, including SEC Rule 206(4)-1, and for obtaining any required approval from your firm.

It is our policy not to condition any benefit, refund, discount, or continued access on a customer providing a positive review, and not to ask any customer to remove or alter an honest review.

Customer reference right. Unless you notify us in writing that you object, we may identify you or your firm as a customer of Best Days Labs LLC, and use your firm name and logo, in our customer lists, websites, and marketing materials.

You are responsible for ensuring that anything you submit is accurate, lawful, does not violate the rights of others, and complies with the advertising rules that apply to you.

17. Affiliations, Conflicts of Interest, and Related Businesses

We want you to know who we are, how we make money, and where our interests may not align with yours.

The owners, officers, and principals of Best Days Labs LLC hold ownership interests, executive positions, board seats, or other roles in other companies in the financial services industry, which may include an SEC-registered investment adviser, a wealth management platform and independent marketing organization serving independent advisors, and a private wealth management firm (each, an “Affiliate”). These are separate legal entities from Best Days Labs LLC.

Conflicts of interest you should assume exist:

  • We may market, mention, promote, recommend, or introduce you to the products, services, platforms, technology, custodians, or affiliation opportunities of an Affiliate. We have a financial incentive to do so, because our principals benefit economically from the growth of those Affiliates.
  • Our principals benefit financially if you affiliate with, transfer business to, or join an Affiliate. Any recommendation, introduction, or favorable statement we make about an Affiliate should be understood in that light.
  • Information you provide to us — including your firm name, assets under management, production, Scorecard responses, and the business assumptions and inputs you enter into SeminarIQ — may be shared with our Affiliates and used to market their products, services, platforms, and affiliation opportunities to you. You may opt out at any time as described in our Privacy Policy.
  • Our content is not neutral or independent research. Any commentary we provide about platforms, custodians, broker-dealers, RIAs, IMOs, technology vendors, or business models may be influenced by our affiliations and economic interests, and should not be relied upon as an objective comparison.

17.1 Affiliate Sharing Does Not Extend to Client Information

This is an absolute limit and it is not subject to any exception.

We do not share, and we will not share, with any Affiliate or with any other third party, any nonpublic personal information about any of your clients or consumers, for any purpose, ever.

We do not want that information, we do not ask for it, and you are prohibited from giving it to us (Section 21). Nothing in Section 17, Section 16, our Privacy Policy, or anywhere else in these Terms grants us or any Affiliate any right to receive, access, use, share, or monetize any client’s nonpublic personal information. Affiliate sharing is limited to your own business information — you, your firm, your practice.

We do not currently receive compensation from any custodian, broker-dealer, IMO, insurance carrier, product sponsor, or technology vendor in exchange for introducing purchasers of our training products. We reserve the right to enter into such arrangements in the future, and will update this disclosure if we do.

Our training and tools are not, and should not be understood as, an inducement, offer, or solicitation to affiliate with, transfer business to, or join any Affiliate. You are under no obligation to do business with any Affiliate. Your purchase, access, pricing, and support — including your SeminarIQ access — are not conditioned on doing so.

Your obligations to your current firm are yours. If you are subject to a non-solicitation, non-compete, confidentiality, garden leave, or similar agreement with your current broker-dealer, RIA, IMO, or carrier, you are solely responsible for complying with it, including with respect to any information you share with us and any action you take based on our materials. We do not ask you to breach any agreement, we do not advise you on whether any action would breach an agreement, and you should not treat our content, our forms, our tools, or any conversation with us or an Affiliate as an invitation to do so. You agree to indemnify us for any claim brought by your current or former firm arising from your conduct.

18. Privacy

Your use of our websites, tools, software, and products is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

19. Third-Party Platforms

We may deliver our products and tools through third-party platforms, including Skool, Zoom, GoHighLevel, Stripe, Lovable, Supabase, Vercel, Resend, and other providers.

Your use of third-party platforms may be subject to those providers’ terms, policies, and technical requirements. We are not responsible for outages, interruptions, errors, data loss, content loss, security incidents, pricing changes, or actions of third-party platforms, and any such event does not entitle you to a refund, credit, or extension. We may change or replace any platform at any time.

Our websites, emails, and portals may contain links to third-party websites. We are not responsible for the content, products, or practices of third parties.

20. Copyright Complaints (DMCA)

If you believe content on our platforms infringes your copyright, send a notice containing the information required by 17 U.S.C. § 512(c)(3) to our designated agent:

DMCA Designated Agent Best Days Labs LLC 900 Camp Street 3rd Floor, #1298 New Orleans, LA 70130 legal@bestdayslabs.com

We will respond to valid notices and may remove content and terminate repeat infringers.

21. Do Not Send Us Client Data — and Do Not Enter It Into Our Tools

This section is a material term. Read it.

Our products serve you and your firm. We do not want, and you must not give us, your clients’ personal or financial information.

This includes names, contact information, dates of birth, Social Security numbers, tax identification numbers, account numbers, account values, balances, holdings, statements, financial plans, tax returns, health information, or any other nonpublic personal information about any consumer, as that term is used in Regulation S-P and the Gramm-Leach-Bliley Act.

21.1 This Applies to Every Channel

You must not provide client information to us:

  • In a support ticket, email, chat, or phone call
  • In a community post or comment
  • In a Scorecard response
  • On a coaching call, webinar, or screen share
  • In a shared document, spreadsheet, or file
  • In SeminarIQ or any other software tool we operate — in any field, including any free-text, notes, description, label, or comment field

21.2 SeminarIQ Is Not a Client CRM

SeminarIQ is a seminar economics simulation and planning tool. It is not a client relationship management system, not a client database, not a book-of-business system, and not designed, built, tested, secured, or intended to receive, hold, or process any client’s nonpublic personal information.

Do not enter client information into SeminarIQ. Use aggregate figures, anonymized inputs, and business assumptions. If a field appears to invite information you would not put on a postcard, do not enter it.

See the SeminarIQ Product Addendum for further detail.

21.3 Consequences

Providing client information to us, or entering it into any tool we operate, is a material breach of these Terms.

If you do so:

  • You do so entirely at your own risk.
  • You remain solely responsible for any resulting obligations, costs, liabilities, fines, penalties, or claims under Regulation S-P, the Gramm-Leach-Bliley Act, state privacy or data-security law, your firm’s policies, or any other law or rule.
  • You agree to indemnify, defend, and hold us harmless for any claim, cost, or liability arising from it, in accordance with Section 25.
  • We may delete it at any time, without notice, and we have no obligation to preserve, return, secure, safeguard, encrypt, restrict access to, or account for it.
  • We may suspend or terminate your access, without refund.
  • We do not assume, and expressly disclaim, any duty, obligation, or status — including any status as a “service provider” under Regulation S-P — with respect to any client information you provide to us in violation of this Section. You cannot create a legal obligation on our part by breaching this Section.

21.4 No Waiver

Our failure to detect, prevent, remove, or object to any client information you provide does not constitute consent, acceptance, waiver, or a modification of this Section, and does not create any duty on our part with respect to that information.

22. No Warranties

Our websites, products, tools, software, trainings, materials, portals, communities, and services are provided “as is” and “as available,” with all faults.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including any warranty of availability, accuracy, completeness, currency, reliability, performance, merchantability, fitness for a particular purpose, non-infringement, quiet enjoyment, or results, and any warranty arising from course of dealing, usage, or trade practice.

We do not warrant that our products or tools will be uninterrupted, timely, secure, or error-free, that any content or calculation is current, complete, accurate, or compliant with any rule that applies to you, or that any defect will be corrected.

We specifically do not warrant the accuracy, reliability, or applicability of any SeminarIQ projection, calculation, optimization, recommendation, or output. Every such output is a mathematical result derived from assumptions you supplied, and its usefulness depends entirely on the quality of those assumptions.

We do not warrant that any data you enter into any tool we operate will be preserved, retained, backed up, recoverable, or available. See Section 7.1.

No advice or information, whether oral or written, obtained from us, our personnel, our coaches, our contractors, or any community member, creates any warranty not expressly stated in these Terms.

23. Limitation of Liability

23.1 Exclusion of Damages. To the fullest extent permitted by law, Best Days Labs LLC and its owners, officers, members, managers, employees, contractors, affiliates, agents, representatives, service providers, and licensors will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost revenue, lost business opportunities, lost data, lost content, business interruption, cost of substitute services, regulatory fines or penalties, costs of responding to a regulatory examination or inquiry, or reputational harm, even if we have been advised of the possibility of such damages and even if a limited remedy fails of its essential purpose.

23.2 Cap on Liability. To the fullest extent permitted by law, our total aggregate liability for any and all claims arising out of or relating to our websites, products, tools, software, trainings, materials, portals, communities, or services will not exceed the LESSER of (a) the total amount you actually paid to us in the six (6) months immediately preceding the event giving rise to the claim, or (b) five hundred dollars ($500).

23.3 Minimum Cap. Where you have paid us nothing in the six (6) months preceding the event giving rise to the claim — including where your access to a product or tool was provided at no charge, on a promotional basis, or as a bundled component — our total aggregate liability will not exceed one hundred dollars ($100).

23.4 Aggregate, Not Per-Claim. These limitations apply regardless of the theory of liability (contract, tort, negligence, strict liability, statute, or otherwise), apply to all claims in the aggregate rather than per claim, and are an essential basis of the bargain between us. Without them, our pricing would be materially different and our free and bundled offerings would not be provided at all.

23.5 Exceptions Required by Law. Nothing in this Section limits liability that cannot be limited under applicable law, including liability for intentional fault or gross fault where such limitation is prohibited.

23.6 Step-Down Savings Clause. If any limitation in this Section 23 is held unenforceable, void, or inapplicable, in whole or in part, the parties intend that the limitation be reduced or reformed to the maximum limitation permitted by applicable law, and enforced as so reformed, rather than stricken. If a court declines to reform, then the next-most-restrictive limitation expressly stated in this Section 23 that is enforceable shall apply. The parties expressly intend that our liability be limited to the greatest extent the law allows, and that no holding of unenforceability as to any single limitation shall be construed to leave our liability uncapped.

24. No Reliance and Entire Agreement

You acknowledge and agree that:

  • You have not relied on any statement, promise, projection, representation, guarantee, earnings claim, income claim, testimonial, case study, software output, calculation, model result, or example, whether made on a sales page, in an advertisement, on a webinar, on a sales call, in a community, by a coach, by a staff member, by any tool we operate, or in any other communication, that is not expressly written in these Terms or in a signed written agreement with us
  • Any statement, output, or projection about potential results — whether made by us, our team, an affiliate, a sales representative, a coach, another customer, or generated by any software or calculator we operate — is illustrative and is not a promise, guarantee, or representation of fact, and you have not relied on it
  • No employee, contractor, coach, or representative of ours has authority to modify these Terms, make any warranty, or make any promise on our behalf, and you have not relied on any statement purporting to do so
  • You are a sophisticated business professional making a business purchasing decision
  • You have had the opportunity to review these Terms, the Results Disclaimer, the Privacy Policy, and the SeminarIQ Product Addendum, and to consult your own advisors

These Terms, together with the Privacy Policy, the Results Disclaimer, the SeminarIQ Product Addendum, and any applicable product-specific Terms, Refund Policy, or Service Agreement, constitute the entire agreement between you and Best Days Labs LLC regarding their subject matter, and supersede all prior or contemporaneous communications, proposals, representations, advertisements, and understandings, whether oral or written.

25. Indemnification

You agree to indemnify, defend, and hold harmless Best Days Labs LLC and its owners, officers, members, managers, employees, contractors, affiliates, agents, representatives, service providers, and licensors from and against any claims, liabilities, damages, losses, costs, fines, penalties, and expenses, including reasonable attorneys’ fees, arising out of or related to:

  • Your use of our websites, products, tools, software, trainings, materials, portals, communities, or services
  • Your use of our materials or of any output of any tool we operate in your own marketing, advertising, seminars, events, or client communications, including any claim, complaint, examination, inquiry, or enforcement action by any regulator, self-regulatory organization, supervising firm, carrier, or client
  • Your presentation, display, or distribution of any SeminarIQ output, or any figure derived from it, to any prospect, client, investor, or member of the public, including any claim or proceeding under SEC Rule 206(4)-1, FINRA rules, or any state advertising rule
  • Any client or consumer information you enter into, upload to, or transmit through SeminarIQ or any other tool we operate, or otherwise send us, in violation of Section 21, including any claim, cost, obligation, or liability arising under Regulation S-P, the Gramm-Leach-Bliley Act, or any state privacy or data-security law, and including any cost we incur in identifying, isolating, securing, or deleting it
  • Any claim arising from your calls, texts, emails, mailings, or other outreach to any person, including any claim under the Telephone Consumer Protection Act, the Telemarketing Sales Rule, CAN-SPAM, or any state telemarketing, do-not-call, or text-messaging law
  • Any claim brought by your current or former broker-dealer, RIA, IMO, carrier, or employer
  • Your violation of these Terms, the SeminarIQ Product Addendum, or any policy incorporated by reference
  • Your violation of applicable law or any rule of a regulator or supervising firm
  • Your violation of any third-party rights, including intellectual property rights
  • Any content you post or submit
  • Your sharing of any access credential, or your provision of access to any product or tool to any person outside your Licensed Firm

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, at your expense, and you agree to cooperate with our defense. You may not settle any matter in a way that imposes any obligation or admission on us without our prior written consent.

26. Termination

We may suspend or terminate your access to our websites, products, tools, software, portals, communities, calls, or materials at any time, with or without cause, and with or without notice, including if we reasonably believe you have violated these Terms, misused our materials or tools, failed to pay, initiated an improper payment dispute, shared access, entered client information into a tool we operate, presented tool output to prospects or clients, infringed our intellectual property, or engaged in unlawful or disruptive conduct.

Termination does not entitle you to a refund.

Upon termination, your license ends immediately, and you must stop using and destroy any copies of our materials in your possession.

We have no obligation to preserve, export, return, or provide access to any content, data, scenario, projection, record, or materials after termination — or at any time — and we may delete them at any time, without notice. See Section 7.1. If you want your data, export it before termination.

Survival. Sections 4.2 (No Independent Value), 4.3 (Right to Withdraw), 7 (Regulatory Responsibilities), 7.1 (Not Your Recordkeeper), 7.2 (Internal Use Only), 9.3 (Restricted Use), 9.4 (Enforcement and Stipulated Damages), 9.5 (Software Restrictions), 10 (Intellectual Property), 11 (Payment), 12.6 (No Refund Rights), 13 (Chargebacks), 15 (User Content License), 16 (Submissions), 17 (Affiliations), 21 (Client Data), 22 (No Warranties), 23 (Limitation of Liability), 24 (No Reliance), 25 (Indemnification), 27 (Dispute Resolution), 28 (Limitations Period), and 29 (General) survive any termination or expiration.

27. Dispute Resolution, Arbitration, and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.

27.1 Informal Resolution First

Before starting an arbitration or lawsuit, you agree to first send us a written Notice of Dispute describing the nature of the claim and the relief sought, to legal@bestdayslabs.com and to the mailing address in Section 31. We will do the same before bringing a claim against you.

The parties agree to attempt in good faith to resolve the dispute for thirty (30) days after the Notice of Dispute is received. This informal resolution period is a condition precedent to starting arbitration or litigation, and a claim filed before it is satisfied may be dismissed or stayed. The applicable statute of limitations is tolled during this period.

27.2 Agreement to Arbitrate

Except as stated in Sections 27.5 and 27.8, any dispute, claim, or controversy arising out of or relating to these Terms, our websites, our tools, our software, our products, any purchase, any communication, any advertising, or any relationship between you and Best Days Labs LLC — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before, during, or after the termination of these Terms — shall be resolved by binding individual arbitration, and not in court.

27.3 Arbitration Rules and Forum

The arbitration will be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and, where applicable, its Supplementary Rules for Multiple Case Filings, as modified by these Terms. The AAA rules are available at www.adr.org.

The arbitration will be conducted by a single arbitrator. The seat of arbitration will be East Baton Rouge Parish, Louisiana, provided that the arbitrator may conduct hearings by videoconference or telephone, and either party may elect a documents-only proceeding for claims under $25,000.

The Federal Arbitration Act governs the interpretation and enforcement of this Section 27.

27.4 Delegation

The arbitrator, and not any federal, state, or local court, has exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, scope, or formation of this arbitration agreement, including any claim that all or part of it is void or voidable. This delegation does not apply to the class action waiver in Section 27.6, the enforceability of which is for a court to decide.

27.5 Exceptions

Either party may:

  • Bring an individual claim in small claims court if it qualifies
  • Seek temporary, preliminary, or permanent injunctive relief in court to protect intellectual property, confidential information, trade secrets, or account access, or to enforce Sections 7.2, 9, 9.5, or 21, without waiving this arbitration agreement

27.6 Class Action and Jury Trial Waiver

Arbitration will be conducted on an individual basis only. You and Best Days Labs LLC waive the right to bring or participate in a class action, collective action, consolidated action, private attorney general action, or any other representative proceeding, to the fullest extent permitted by law. The arbitrator may not consolidate claims, may not preside over any form of representative proceeding, and may award relief only to the individual party seeking relief and only to the extent necessary to provide relief on that individual claim.

If this class action waiver is found unenforceable as to a particular claim, that claim (and only that claim) shall be severed from arbitration and brought in court. All other claims remain in arbitration.

YOU AND BEST DAYS LABS LLC WAIVE ANY RIGHT TO A JURY TRIAL for any claim that proceeds in court.

27.7 Mass Arbitration Protocol

If 25 or more similar claims are filed against us by or with the assistance of the same law firm or coordinated group, the claims will be handled in batches of no more than 50, with a single arbitrator per batch, and the parties will cooperate with the AAA to sequence the batches. The statute of limitations is tolled for claims awaiting a batch. No filing fees are owed by us for claims not yet assigned to an active batch.

27.8 30-Day Right to Opt Out of Arbitration

You may opt out of this arbitration agreement. To opt out, send a written notice within thirty (30) days of the date you first accept these Terms, stating your name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration, to:

Best Days Labs LLC, Attn: Arbitration Opt-Out, 900 Camp Street 3rd Floor, #1298 New Orleans, LA 70130, or legal@bestdayslabs.com.

Opting out will not affect any other part of these Terms or your access to our products. If you opt out, the jury trial waiver, class action waiver, limitations period, and all other terms remain in full effect.

27.9 Arbitration Fees and Confidentiality

Payment of filing, administration, and arbitrator fees will be governed by the AAA rules. For any claim seeking less than $10,000, we will pay your AAA filing fee if you have complied with Section 27.1.

The existence and content of any arbitration, including the award, are confidential, except as necessary to enforce the award or as required by law.

27.10 Changes to This Section

If we materially change this Section 27, the change will not apply to any dispute for which we had actual notice before the change.

28. Limitations Period

To the fullest extent permitted by law, any claim arising out of or relating to these Terms, our marketing, our products, our tools, or our services must be brought within ONE (1) YEAR after the claim arose, or it is permanently barred.

29. General

Governing Law. These Terms are governed by the laws of the State of Louisiana, without regard to conflict-of-law principles. For any matter not subject to arbitration, the exclusive venue is the state and federal courts located in East Baton Rouge Parish, Louisiana, and you consent to personal jurisdiction there and waive any objection based on inconvenient forum.

Severability. If any provision is held unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or, if it cannot be modified, severed, and the remaining provisions remain in full force. The parties’ intent is that every provision be enforced to the maximum extent permitted by law.

No Waiver. Our failure to enforce any provision, or any delay in enforcing it, is not a waiver of our right to enforce it later. Any waiver must be in writing and signed by us.

No Third-Party Beneficiaries. Except for the persons and entities identified in Sections 23 and 25, these Terms create no third-party beneficiary rights. Your clients are not third-party beneficiaries of these Terms and have no rights under them.

Assignment. You may not assign these Terms, your license, or your access, by operation of law or otherwise, without our written consent, and any attempted assignment is void. A change of control, merger, or sale of your firm does not transfer your license. We may assign these Terms freely, including in connection with a merger, acquisition, financing, reorganization, or sale of assets.

Force Majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, natural disaster, hurricane, flood, fire, power failure, internet or platform outage, vendor failure, hosting provider failure, database provider failure, cyberattack, labor dispute, war, pandemic, or governmental action.

Relationship. Nothing in these Terms creates a partnership, joint venture, employment, agency, or franchise relationship. Nothing in these Terms makes us a service provider, vendor, agent, or processor of or for you within the meaning of Regulation S-P, the Gramm-Leach-Bliley Act, or any state privacy law, and we expressly disclaim any such status.

Electronic Communications and Signatures. You consent to receive communications, agreements, notices, and disclosures from us electronically, and you agree that electronic acceptance, clicks, and records satisfy any legal requirement that a communication be in writing or signed.

Notices. Notices to you may be sent to the email address associated with your account and are deemed received when sent. Notices to us must be sent to the addresses in Section 31.

Attorneys’ Fees. In any action or arbitration to enforce these Terms, the prevailing party is entitled to recover its reasonable attorneys’ fees, expert fees, and costs, to the extent permitted by law.

Interpretation. These Terms will not be construed against the drafter. Headings are for convenience only and do not affect interpretation.

Relationship to Product-Specific Terms. These are umbrella Terms. Specific products may have additional Terms, Refund Policies, Service Agreements, Addenda, or other documents. Product-specific terms control in the event of any conflict with these umbrella Terms, with respect to that product only. Where no product-specific document exists or is presented, these Terms control. The SeminarIQ Product Addendum is a product-specific document and controls with respect to SeminarIQ.

30. Changes to These Terms

We may update these Terms at any time, in our sole discretion. The updated version will be posted with a revised “Last Updated” date and takes effect when posted, except that changes to Section 27 (Arbitration) will not apply to any dispute for which we had actual notice before the change.

We may, but are not required to, provide additional notice of material changes by email or by a notice on our websites, in your portal, or in the SeminarIQ application.

It is your responsibility to review these Terms periodically. Your continued use of our websites, tools, or products after a change is posted means you accept the revised Terms.

31. Contact Us

Best Days Labs LLC 900 Camp Street 3rd Floor, #1298 New Orleans, LA 70130

General inquiries: info@bestdayslabs.com Legal notices, Notices of Dispute, arbitration opt-outs, and DMCA notices: legal@bestdayslabs.com Security and vulnerability reports: security@bestdayslabs.com Phone: 877-235-7429

Last Updated: July 18, 2026