Section 1. Nature of the Service

BRIO is a centralized membership, onboarding, and resource platform operated by Accelerated Retirement Benefits LLC, doing business as BRIO ("BRIO," "the Company," "we," "us," or "our"). BRIO provides access to training, tools, community resources, and affiliated programs and vendor partners serving financial professionals, including registered investment advisors, investment advisor representatives, broker-dealer representatives, CPAs, and affiliated professionals.

The Service Does Not Provide — regardless of what materials, training, or resources are made available — any of the following:

• Legal advice of any kind
• Compliance advice, opinions, or assessments
• Regulatory guidance, determinations, or interpretations
• Tax advice or any opinion subject to Circular 230
• Investment advice or recommendations to any end client
• Any guarantee of business results, income, or professional outcomes

Section 1A. Membership Levels and Access

BRIO offers tiered membership levels, each with defined deliverables, tools, and access rights as described at the time of enrollment. Membership benefits, included features, and associated programs may be updated, supplemented, or modified by the Company. Access to any benefit is contingent on a membership in good standing and all applicable fees remaining current.

The specific deliverables, community access, training resources, and affiliated programs available to you are governed by the membership level you select at enrollment and any written addendum applicable to that level.

Section 1B. Intended Users and Service Scope

The Service is designed for licensed and credentialed financial professionals and affiliated personnel who enroll in a BRIO membership. By enrolling, you represent that you hold the appropriate licenses, registrations, or credentials applicable to your professional activities, and that your use of BRIO does not violate any employment agreement, supervisory obligation, outside business activity policy, or regulatory requirement applicable to you.

BRIO is a resource and onboarding platform only. It does not supervise your professional activities, does not direct how you conduct your business, and does not assume any supervisory or fiduciary responsibility over you, your firm, or your clients.

Section 2. User Representations & Obligations

By accessing or using the Service, you represent, warrant, and agree that:

• You are at least 18 years of age and have the legal authority to enter into this Agreement;
• You will provide accurate, current, and complete registration information and maintain its accuracy;
• You hold all licenses, registrations, and credentials required for your professional activities;
• You will independently determine whether any disclosure to, or approval from, any regulatory body, licensing authority, broker-dealer, or employer is required before participating in BRIO or any affiliated program;
• You will comply with this Agreement and all applicable laws, rules, and regulations.

It is your sole responsibility to determine whether any disclosure or approval is required prior to your participation. BRIO does not provide legal or regulatory advice on this matter.

Section 3. Affiliate Partner Fee and Membership Fees

Access to BRIO benefits, and to those offered by affiliated vendor partners, requires that all applicable membership fees and any Affiliate Partner Fee ("AP Fee") remain current. The AP Fee is a recurring fee required to maintain eligibility for benefits provided by BRIO or its affiliated vendor partners.

Payment for membership fees, the AP Fee, and any additional services is due as specified during registration or renewal. Late or missed payments may result in penalties, suspension, or termination of benefits and access.

Section 4. Affiliate and Reseller Participation

If you participate in any BRIO affiliate, reseller, or referral program, you represent and warrant that your participation does not violate any employment agreement, outside business activity policy, non-compete agreement, or regulatory obligation applicable to you. It is your sole responsibility to determine whether any disclosure or approval is required by any regulatory body, licensing authority, broker-dealer, or employer prior to your participation. BRIO does not provide legal or regulatory advice on this matter. If any representation made in this Agreement is found to be false or misleading, BRIO reserves the right to immediately terminate this Agreement without notice or liability.

Section 5. No Refund Policy

ALL FEES PAID TO BRIO ARE STRICTLY NON-REFUNDABLE. BY SUBMITTING THIS AGREEMENT YOU ACKNOWLEDGE AND AGREE THAT NO REFUNDS OR PARTIAL REFUNDS WILL BE ISSUED UNDER ANY CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO CANCELLATION, TERMINATION, DISSATISFACTION WITH THE SERVICE, OR FAILURE TO USE THE PLATFORM. THIS NO-REFUND POLICY IS A MATERIAL TERM OF THIS AGREEMENT AND IS A CONDITION OF ACCESS TO THE BRIO PLATFORM.

Section 6. No Guarantees; No-Income Disclaimer

BRIO makes no representation and provides no guarantee of any kind regarding financial outcomes, income, business growth, or professional results. Any testimonials, case studies, or examples are provided for illustrative purposes only and do not reflect typical results. Your results depend on factors outside the Company's control, including your own efforts, market conditions, and business decisions.

Section 6A. Self-Directed Participation; No Outreach or Monitoring

BRIO is a self-directed platform. All training, webinars, coaching sessions, courses, materials, and tasks made available through the Service are provided on a self-access basis. It is solely your responsibility to attend, access, complete, and apply any session, webinar, course, or material made available to you.

You acknowledge and agree that:

• BRIO does not make outbound calls, send reminders, or otherwise contact you to confirm or verify whether you have attended any webinar, completed any course, reviewed any material, or performed any task;
• BRIO has no obligation to monitor, track, follow up on, or ensure your attendance, participation, completion, or engagement of any kind;
• Your failure to attend a session, complete a course, review provided materials, or perform any task is your sole responsibility, and BRIO bears no responsibility or liability for any consequence arising from your non-attendance, non-completion, or non-participation;
• The availability of any resource does not create any duty on the part of BRIO to ensure you use it.

You understand that BRIO functions as an educational and resource provider only. As with any educational institution, the responsibility to attend, study, complete assignments, and apply the material rests entirely with you. BRIO's role is limited to making the resources available; it is not responsible for whether, when, or how you choose to use them.

Section 7. Auto-Renewal and Cancellation

Subscriptions and memberships will automatically renew at the then-current rate unless canceled in accordance with this Section. Cancellation requires thirty (30) days' written notice. Cancellation becomes effective at the next renewal date, and all prepaid fees are non-refundable. Continued access through the end of the paid term does not entitle you to any refund.

Section 8. Termination

BRIO reserves the right to terminate this Agreement or suspend your access to the Service at its sole discretion if you violate any provision of this Agreement, including failure to pay fees; if the Company determines your actions undermine its purpose or defame the Company, its affiliates, or its principals; or if the Company determines you are not acting in the best interest of its clients or stakeholders.

Termination will be communicated in writing and is effective immediately upon notice. No refunds or partial refunds will be issued upon termination.

Section 9. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Accelerated Retirement Benefits LLC d/b/a BRIO and its officers, directors, members, employees, contractors, affiliates, licensors, agents, successors, and assigns from any and all claims, damages, losses, liabilities, fines, penalties, regulatory actions, costs, and expenses — including reasonable attorneys' fees — arising out of or related to: your access to or use of the Service; the sale, marketing, or use of any financial products or services by you; any reliance on materials, training, or resources made available through the Service; any breach of this Agreement by you or anyone acting on your behalf; and any claim arising from your professional activities or your relationship with your clients. This indemnification obligation shall survive the termination or expiration of this Agreement.

Section 10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: BRIO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SPECIAL DAMAGES OF ANY KIND ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE. THE COMPANY'S TOTAL AGGREGATE LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM GIVING RISE TO LIABILITY.

Section 11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION: MERCHANTABILITY; FITNESS FOR A PARTICULAR PURPOSE; ACCURACY OR RELIABILITY; NON-INFRINGEMENT; OR UNINTERRUPTED OR ERROR-FREE OPERATION.

Section 12. Confidentiality

You agree to maintain the confidentiality of all proprietary information, materials, methods, and resources provided by BRIO and not to disclose them to any third party without prior written consent. This obligation survives the termination or expiration of this Agreement.

Section 13. Trademarks and Intellectual Property

BRIO grants no license to use its trademarks, trade names, or trade dress except as expressly provided in writing. BRIO materials, websites, training, and intellectual property may not be altered, reproduced, or distributed without prior written consent.

Section 14. Covenant Not to Compete

For the duration of this Agreement and for twenty-four (24) months thereafter, you agree not to: (a) work in a management or sales capacity for a business directly competing with BRIO using BRIO's proprietary materials or methods; and (b) circumvent BRIO's relationships with its members, suppliers, or partners for personal gain. This covenant shall be enforced only to the extent reasonable and permitted under applicable North Carolina law, and if any portion is found overbroad, it shall be modified to the minimum extent necessary to be enforceable.

Section 15. No Agency Relationship

This Agreement does not create a partnership, joint venture, agency, or employment relationship between the parties. Nothing herein authorizes either party to bind or obligate the other.

Section 16. Force Majeure

BRIO is not responsible for any delay or failure in performance caused by events beyond its reasonable control, including acts of God, natural disasters, government actions, labor disputes, or failures of third-party infrastructure or service providers.

Section 17. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict-of-law principles. The exclusive venue for any dispute shall lie in Iredell County, North Carolina.

Section 18. Entire Agreement; No Oral Modification

These Terms constitute the entire agreement between you and BRIO and supersede all prior agreements, representations, marketing materials, proposals, and statements — oral or written — including any agreement previously signed with Accelerated Retirement Benefits LLC or any of its affiliated brands. No oral statement, sales representation, marketing material, or demonstration shall modify, supplement, or supersede these Terms. Any modification must be made in writing and signed by an authorized representative of the Company.

Section 18A. No Reliance on External Representations

You acknowledge and agree that you have not relied upon any statement, representation, warranty, or promise made by any representative, affiliate, partner, referral source, or agent of the Company that is not expressly set forth in these Terms. No representative of the Company has authority to make any representation or warranty not contained in these Terms, and the Company shall not be bound by any such unauthorized representation.

Section 19. Modifications to Terms

BRIO may update these Terms at any time. Updates will be communicated via email or website notification and take effect thirty (30) days after posting. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

Section 20. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it enforceable, consistent with the parties' original intent.

Last Updated: June 4, 2026 · Version 1.0 · Governed by the laws of the State of North Carolina · Iredell County, NC