TERMS AND CONDITIONS

The Freedom Architecture Masterclass · The Freedom Architecture Roadmap Session · The Freedom Architecture Private Implementation Sprint

Effective date: 11 July 2026 Last updated: 11 July 2026

Part A — General Terms (all programs)

1. About these terms

These Terms and Conditions govern your access to and use of The Freedom Architecture Masterclass, The Freedom Architecture Roadmap Session, and The Freedom Architecture Private Implementation Sprint (each a "Program"), together with any related content, live sessions, community channels, and materials (the "Services"), provided by Lorien Cameron, operating as The Freedom Architecture ("we", "us", "our", the "Provider"). By purchasing, registering for, or accessing any Program, you agree to these terms. If you do not agree, do not purchase or access the Services.

2. The Provider and contact

Provider: Lorien Cameron, trading as The Freedom Architecture. [Business address / ABN to be inserted here if you want it listed. Not all sole traders are required to publish a physical address, but check your local requirements.] Contact for support and legal notices: [email protected]

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter a binding agreement. The Services are intended for a general adult audience and are not directed at minors.

4. What the Programs are (and are not)

The Programs are provided strictly for education and general awareness. They teach concepts, frameworks, and strategic thinking around income structure, sovereign assets, and leverage. They are general information only and are not tailored to your individual circumstances. See the Disclaimers in clause 12, which are a core part of these terms.

5. Fees and payment

5.1 Fees are as displayed at the point of purchase. Prices may change from time to time, but a change will not affect a purchase already completed.

5.2 Payment is processed through third-party providers and their payment processors. By paying, you also agree to those providers' terms. We do not store your full card details.

5.3 Payment plans (where offered). If you choose a payment plan, you authorise us to charge each scheduled instalment automatically on the scheduled dates. If a payment fails or is missed, we will reach out to help you resolve it. If the payment remains unpaid, your access may be paused until the amount is brought up to date, and restored once it is.

5.4 All fees are payable in the currency shown at checkout. You are responsible for any taxes that apply to you in your own country.

6. Refunds

6.1 All sales are final. We do not offer refunds for change of mind, for failure to attend or complete a Program, or because results did not meet your expectations.

6.2 Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy you have under any law that cannot lawfully be excluded, including the consumer guarantees under the Australian Consumer Law. Where such a guarantee applies and we fail to meet it, you are entitled to the remedies that law requires.

6.3 If you believe a Program has not been delivered substantially as described in the program description shown at the point of purchase, contact us first at [email protected] and we will work with you in good faith to put it right, for example by rescheduling the session or resolving the specific issue.

6.4 You agree to contact us first to resolve any billing concern. Starting a chargeback or payment dispute without contacting us first, particularly after you have accessed Program content or attended a session, is a breach of these terms. Where we consider a chargeback is not legitimate, we may respond to it with evidence of your agreement and access, pause or close your access, and recover any costs we reasonably incur.

6.5 If we grant a refund for any reason, your licence and access to the relevant Program end immediately, and you must stop using and delete any materials you have downloaded.

7. Access and licence

7.1 On payment, we grant you a personal, non-exclusive, non-transferable, revocable licence to access the Program content for your own personal, non-commercial use.

7.2 Access duration is set out in the relevant Schedule below. Your access period starts on the date of your purchase, or, if later, the date we first give you access.

7.3 You may not share your login, transfer your access, or allow anyone else to use your account or sit in on your private session in your place.

7.4 We aim to keep the Services available, but we do not guarantee uninterrupted or error-free access. We may carry out maintenance, and we may update, improve, or change Program content and materials from time to time. Temporary unavailability or routine changes are not a failure to deliver and do not, on their own, entitle you to a refund.

8. Intellectual property

All content, materials, frameworks, diagnostics, recordings, slides, and trademarks in the Services are owned by or licensed to the Provider. You may not copy, reproduce, republish, resell, distribute, record (unless we provide the recording), or create derivative works from any part of the Services without our prior written consent. You must not scrape, data-mine, or use any automated tool or artificial-intelligence system to copy, extract, index, reproduce, repurpose, or train on any part of the Services or the content. Your licence ends if these terms end.

9. Acceptable use, confidentiality and a safe space

In any community, group, or live setting (including our Telegram channel) you agree to be respectful and lawful. You must not harass, abuse, threaten, or discriminate against others; spam, solicit, or recruit members for other schemes; share others' personal information; or post unlawful, misleading, or infringing content.

What is shared inside a private session or a private community stays there. You must not screenshot, record, repost, forward, or share another person's questions, situation, personal information, or contributions outside that setting, in any form. This is a private, confidential space, and every person who shares their real financial position with us deserves that respect. Breaching that trust is a serious breach of these terms.

We may remove content, and may suspend or remove any member who breaches these terms or disrupts the community, immediately and without refund.

You are responsible for what you post. Other members' posts and contributions are their own. We do not verify or endorse them, and you rely on them at your own risk. We are not liable for anything another member says or does.

10. Live calls and sessions

10.1 Live sessions (including the Roadmap Session and the sessions inside the Private Implementation Sprint) are scheduled by mutual agreement. If you need to reschedule, contact us with as much notice as possible. Repeated late cancellation or no-show may result in the session being treated as delivered, at our discretion.

10.2 Session content is built around the information you provide, including through any pre-session questionnaire. Incomplete or inaccurate information you provide will limit how useful the diagnosis or plan can be, and is not a failure of delivery on our part.

10.3 With your consent, sessions may be recorded so we can prepare your written summary accurately. Recordings are used only to deliver your Program and are treated as part of the confidential material covered in clause 9. If you do not want to be recorded, tell us before the session begins.

11. Disclaimers — education only, not advice

11.1 Education and awareness only. The Services provide general educational and strategic information. They are not personalised advice and do not take account of your objectives, financial situation, or needs in the way a licensed adviser would.

11.2 Not financial, investment, tax, legal or accounting advice. Nothing in the Services is, or should be relied on as, financial product advice, investment advice, tax advice, legal advice, or accounting advice. We are not your financial adviser, broker, accountant, or lawyer. Before acting, obtain independent, licensed professional advice suited to your circumstances.

11.3 No guarantees of results. We make no promise or guarantee of any financial return, income, protection outcome, or specific result. Any examples, figures, or case studies (including our own story) are illustrative only and are not a prediction of your results.

11.4 Digital asset and market risk. Cryptocurrency, digital assets, and self-custody carry real risk. You may lose some or all of your money. Transactions can be irreversible, self-custody carries the risk of permanent loss (for example a lost seed phrase or recovery phrase), and the regulatory and tax treatment of digital assets can change. You alone are responsible for securing your assets and meeting your own legal and tax obligations.

11.5 We do not hold your assets. At no point do we take custody of, or ask for, your funds, passwords, seed phrases, private keys, or recovery phrases. Any setup work is guidance only. You retain full control and full responsibility for your own accounts and assets at every step.

11.6 Your decisions are your own. Any decision you make after engaging with the Services, including any decision about a specific asset, platform, or structure, is your sole responsibility. You agree that you act on your own judgement and at your own risk.

12. Third-party tools and platforms

12.1 The Services may reference or involve third-party platforms, wallets, exchanges, AI tools, or other services (for example Zoom, Telegram, or specific crypto wallets). Your use of those platforms is subject to their own terms and privacy policies, and we are not responsible for their availability, security, or conduct.

12.2 Any product, platform, or tool mentioned in a session or in our content is general information and illustration only. It is not a recommendation, endorsement, or solicitation for you to buy, sell, or invest in anything. You must conduct your own due diligence and seek your own licensed professional advice before using any third-party product or platform.

12.3 If we ever earn an affiliate or referral commission from a link we share, we will disclose it. A commission never changes our view and is never a reason for you to buy. You are free to use a different provider or none at all.

13. Privacy and data

How we collect, use, store and disclose your personal information is set out in our Privacy Policy, which forms part of these terms. By using the Services you also agree to our Privacy Policy. You may contact us at [email protected] about your personal information.

14. Limitation of liability

14.1 To the maximum extent permitted by law, the Services are provided "as is", and we exclude all implied warranties that can lawfully be excluded.

14.2 To the maximum extent permitted by law, we are not liable for any indirect, special, or consequential loss, or for any loss of profits, savings, data, or investment losses, however arising, including losses connected to any digital asset, self-custody setup, or third-party platform. Where liability cannot be excluded but can be limited, our total liability to you is limited, at our option, to resupplying the relevant Service or refunding the fees you paid for it.

14.3 Nothing in these terms limits any liability that cannot lawfully be limited, including under the Australian Consumer Law where it applies.

15. Indemnity

You agree to indemnify the Provider against any loss or claim arising from your breach of these terms, your misuse of the Services, or your breach of any law or third-party right.

16. Suspension and termination

We may suspend or terminate your access if you breach these terms, fail to pay, or misuse the Services. On termination your licence ends. Clauses that by their nature should survive (including intellectual property, disclaimers, liability, and indemnity) continue to apply.

17. Changes to these terms

We may update these terms from time to time. The current version will be posted with an updated date, and continued use of the Services after a change means you accept the updated terms.

18. Governing law and disputes

These terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of New South Wales. This does not remove any non-excludable rights you have as a consumer under the law of your own country, including the Australian Consumer Law where it applies. The parties will attempt to resolve any dispute in good faith before commencing proceedings.

19. General

If any provision is found unenforceable, the rest continues to apply. These terms, together with the program description shown at the point of purchase, are the entire agreement between you and us about the Services, and they prevail over any general marketing, social media, or promotional statements. Our failure to enforce a term is not a waiver of it. Neither party is liable for any delay or failure caused by events beyond its reasonable control. You may not assign your rights without our consent; we may assign ours.

20. Contact

Questions about these terms: [email protected]

Part B — Program Schedules

Schedule A — The Freedom Architecture Masterclass

A recorded educational masterclass covering income structure, sovereign assets, AI leverage, and location strategy, delivered digitally on purchase.

Access is provided for as long as the Program remains available on our platform, for your personal, non-commercial use, subject to clause 7.4.

Education and awareness only. No financial advice. No refunds for change of mind (Part A clauses 4, 6 and 11 apply).

Schedule B — The Freedom Architecture Roadmap Session

A private 45-minute live diagnostic session, preceded by a pre-session questionnaire, resulting in a personalised written summary delivered within 24 hours of the session.

Scheduling is by mutual agreement under clause 10. The session is complete once your diagnosis and plan have been delivered, whether that takes exactly 45 minutes or slightly longer.

This is a strategic advisory session, not financial advice, not investment recommendations, and not a substitute for professional legal or financial counsel (Part A clauses 4, 6, 11 and 12 apply).

Schedule C — The Freedom Architecture Private Implementation Sprint

A three-session, done-with-you implementation program covering setup and foundations, self-custody and asset structure, and AI leverage and next steps, together with setup-related support between sessions.

The three sessions are intended to be completed within an agreed timeframe from your start date, by mutual scheduling under clause 10. Between-session support relates to setup questions arising from the Program and is provided at our reasonable discretion, not as an open-ended advisory service.

At no point does the Provider take custody of, or request, your funds, passwords, seed phrases, private keys, or recovery phrases (clause 11.5).

Education and implementation guidance only. Not financial advice. No refunds for change of mind (Part A clauses 4, 6, 11 and 12 apply).

End of Terms and Conditions.