Terms & Conditions

The Agreement

These Terms and Conditions govern your use of this website and your purchase of and participation in our programs. In these terms, “we,” “us,” “our,” and “the Company” mean Strategic Investor Network LLC, a Wyoming limited liability company doing business as The Patient Investor. “You” means the person using this website or enrolling in a program.

By using this website, submitting an application, or enrolling in a program, you agree to these terms. If you do not agree to them, please do not use the site or enroll.

If you enroll, you will also sign a separate enrollment agreement. Where that agreement and these terms address the same subject, the enrollment agreement controls. You will have it in hand and have time to read it before anyone asks you for money.

What the Program Is

The Patient Investor is a paid educational and coaching program that teaches individuals how to custody and manage digital assets themselves, primarily through the use of liquidity pool strategies.

The program includes weekly one-on-one coaching sessions with an assigned coach for the duration of the structured curriculum, which runs approximately six months; live group sessions several times per month; access to the recorded curriculum; and access to our private member community.

Access to the recorded curriculum, the group sessions, and the member community continues after the one-on-one coaching period ends, at no further charge, for as long as your account remains in good standing. There is no renewal fee and no expiry date. We may modify, add to, or discontinue individual features of the platform or the community over time, and we will not reduce what you have access to without telling you.

We are selling education and mentorship, and nothing else. We are not selling investments, insurance, real estate, or securities. Nothing on this website, in our programs, in our community, or in any communication from a coach is an offer to sell or a solicitation to buy any security, commodity, or other financial instrument, or a recommendation to buy, sell, or hold any particular asset.

Your Money Stays Yours

A central part of what we teach is holding your own digital assets in wallets that only you control. That principle also describes our relationship with you.

The other side of that is worth stating plainly. Because you hold your own assets, you alone are responsible for safeguarding them. We are not responsible for losses arising from lost or forgotten credentials, compromised devices, phishing, smart contract failures, protocol exploits, exchange failures, network outages, transactions sent to an incorrect address, or any other event affecting assets you control.

Teaching you to avoid exactly those things is what the first month of the program is for.

Results and Earnings Claims

We do not believe in get-rich-quick programs, and you should not purchase our products or services if that is your expectation.

We do not publish, quote, or promise expected returns, rates of return, income figures, or annual percentage rates, and no member of our team is authorized to do so, whether on a call or in writing. Any figure you encounter that purports to describe returns available through this program is not authorized by us and should not be relied upon.

We would rather explain why than simply disclaim it. What a position earns depends on the pool, the volume moving through it, the range you set, and what prices do. Two people in the same pool in the same month land in different places. Anyone who quotes you a figure is telling you something they cannot know.

So we make no representation or warranty that you will earn any money, recover the cost of the program, or achieve any particular result. Your results depend on factors outside our control, including market conditions, the capital you commit, your own risk tolerance, the decisions you make, and the effort you put in.

Experiences shared on this site or in our materials are real accounts from real members, but their results are not typical and are not a prediction of what you will experience.

No Investment, Legal, or Tax Advice

All content on this website and within our programs is provided for general educational purposes. It does not take your personal financial situation, objectives, or needs into account, and it is not personalized advice.

We are not your fiduciary. Coaches teach method and process. They do not tell you what to buy, do not direct your account, and cannot accept instructions to act on your behalf. That is not us holding back. Teaching you to make those decisions yourself is the whole point of the program.

You are responsible for your own tax reporting. Digital asset transactions may create taxable events in your jurisdiction, and we do not calculate, report, or advise on your tax obligations. We would encourage you to speak with a licensed professional about your own circumstances.

Fees and Payment

Current pricing is stated on our website and in the enrollment agreement provided to you before any payment is requested. We publish the fee rather than hold it back for a call.

There is no subscription, no renewal fee, and no recurring charge after the program fee is paid. If you enroll under a payment plan, the scheduled installments are the only recurring charges, and they end when the balance is paid in full.

If a payment plan installment is missed

Missed installments carry a five calendar day grace period. After that a $150 late fee applies and we may pause access to the member platform. Access is restored within one business day of confirmed payment. If an account stays unresolved, the full remaining balance may become immediately due, and if collection becomes necessary we are entitled to recover reasonable attorneys' fees and interest at the highest rate permitted by law.

We would much rather not use any of that. Please contact us promptly if you expect difficulty with a payment — we will work something out.

We may change our pricing at any time. A change in price does not affect anyone already enrolled.

All fees are stated in U.S. dollars. You are responsible for any bank fees, wire fees, network fees, or currency conversion costs charged by your own institution.

Cancellation and Refund Policy

This is the term people ask about most, so we want to explain it rather than just state it.

The program fee is non-refundable once enrollment is confirmed. Enrollment is confirmed when payment is received and the enrollment agreement is executed.

Here is the reasoning. From the moment you enroll, a coach is assigned to you and their weekly calendar is held for you across the whole curriculum. The complete recorded curriculum and the member community open to you at once. Most of what you are paying for is in your hands within the first week, and it cannot be handed back.

That is also why nobody enrolls here without a conversation first. You will have seen the fee on our website, read these terms, read the enrollment agreement, and spoken with us before you are asked to pay anything. Nobody at this company benefits from someone joining who should not have, and if we do not think the program is right for you we will tell you so on the call.

We do not offer refunds based on investment results, market conditions, or a change of mind. What we sell is education and coaching, and we deliver it in full regardless of what any market does.

If you enroll under a payment plan, you remain responsible for the full balance on the schedule you agreed to.

Scheduling and Participation

Coaching sessions are scheduled in advance through the scheduling system we provide, and you are responsible for attending the sessions you have booked. The weekly call is the part of this program that does the work, and showing up is most of it.

Life happens, and we would rather reschedule than lose a week. Please give us at least 24 hours' notice to cancel or move a session. If a session is missed without advance notice, we will offer one opportunity to reschedule it within 14 days. If that rescheduled session is also missed, or no reschedule is arranged within the 14 days, that session counts as completed. Sessions are available while your account is current.

The structured curriculum runs approximately six months from your start date. The pace at which you progress is largely up to you. Some members move faster, nobody is pushed, and the timeline described in our materials is typical rather than promised.

We may occasionally need to substitute a coach, including because of illness, departure, or a scheduling conflict. If that happens we will assign a coach of comparable experience and make sure they know where you are in the program.

Your Account

To access parts of this site and the member platform, you will need an account. To keep it secure, you agree that:

• You will maintain only a single account.
• You will provide accurate and current information, and will keep it up to date.
• You will never share your username or password, and will never knowingly provide or authorize access to your account by anyone else.
• You are responsible for activity that occurs under your account.
• You will notify us promptly at support@investor-mastermind.com if you believe your account has been compromised.

Program access is personal to you and may not be sold, transferred, assigned, or shared. We take this one seriously: sharing paid materials or platform access with someone who has not enrolled is grounds for termination without refund.

The Community

The private community is one of the better parts of this program, and it stays that way because of how people behave in it. A few things we ask, and a few we prohibit outright.

Never, in the community or anywhere else on our platform

• Solicit other members for any investment, business opportunity, fund, pool, or service.
• Offer, or imply, that you can manage another member's funds or trade on their behalf.
• Impersonate the Company, a coach, or another member.

Those three are the ones that can genuinely hurt somebody, and they will ordinarily result in immediate termination without refund. We are not sorry about that. Members here are learning to handle their own money, and a room where people are being pitched is not a room where that happens.

Also not permitted

• Posting anything unlawful, harassing, defamatory, deceptive, or that infringes anyone's rights.
• Sharing, copying, recording, republishing, or reselling our paid materials, session recordings, or community content.
• Attempting to gain unauthorized access to any part of the site, platform, or another member's account.
• Introducing malware, scraping the site by automated means, or interfering with its operation.

We may remove content and suspend or terminate access for conduct we reasonably determine violates these terms. Outside the three above, we will ordinarily talk to you first.

What we ask for beyond that is simple. Nobody here will make you feel slow for asking what a word means, and we expect the same from every member. You can ask the same question three weeks running and nobody keeps score.

Intellectual Property

The curriculum, recordings, written materials, worksheets, frameworks, graphics, and the design and text of this website are owned by the Company or licensed to it, and are protected by copyright and other laws.

On enrollment you receive a personal, limited, non-exclusive, non-transferable license to access and use our materials for your own education, for as long as your access continues. What that means in practice: use them, refer back to them, take notes on them, apply them to your own money for the rest of your life. What it does not permit is copying, distributing, publishing, selling, sublicensing, or recording them, creating derivative works from them, or using them to build or deliver a competing program.

“The Patient Investor” and our logos are marks of the Company. Nothing here grants you any right to use them.

This license ends if your access is terminated for breach of these terms.

Testimonials, Reviews, and Submissions

If you post a review, testimonial, comment, question, or other material to our site, our community, or a public review platform, you grant us a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, and display it in connection with our business, including in marketing.

You represent that anything you submit is your own honest account and does not infringe anyone else's rights.

We do not compensate members for testimonials, and we do not ask anyone to write one. Where any material connection exists between us and a person providing a testimonial, we will disclose it. As stated above, individual results are not typical and are not a prediction of what any other person will experience.

Third-Party Services and Links

Our program discusses and may reference third-party tools, wallets, exchanges, blockchains, and protocols. We do not own, operate, or control any of them.

References and links are provided for education and convenience. They are not endorsements, recommendations, or guarantees of safety, availability, or performance. We are not responsible for the content, security, solvency, or practices of any third party, and your use of any third-party service is governed by that party's own terms.

Where we receive any compensation in connection with a third-party service we mention, we will disclose it.

Accuracy of Information

Digital asset markets, protocols, tools, and regulations change quickly. While we work to keep our materials current, and updating the curriculum is a standing part of the job here, we do not warrant that everything on this site or in the curriculum is complete, accurate, or up to date at the moment you read it.

We may correct, update, or remove content at any time without notice.

Disclaimer of Warranties

Sections like this one are written in a particular way for legal reasons, and this is the shortest we can responsibly make it.

Limitation of Liability

Indemnification

You agree to indemnify and hold harmless the Company and its owners, officers, employees, coaches, and contractors from any claim, demand, loss, liability, or expense, including reasonable legal fees, arising out of your use of the site or programs, your breach of these terms, your violation of any law, your infringement of anyone's rights, or any decision you make regarding your own assets.

If Something Goes Wrong

If a problem ever arises between us, this is the order we would work through it. Each step comes before the next because it is faster and less costly for both of us.

a. Tell us first, and we will do the same

Before either of us starts any legal proceeding, we each agree to raise the problem in writing and give it thirty days to be resolved between us. Here is exactly what that looks like on our side, so you know what to expect rather than having to guess.

Write to us at support@investor-mastermind.com. Tell us what the problem is and what you would like done about it. There is no particular form of words you need to use.

• We will acknowledge your message within five business days.
• One of the partners will offer you a call within ten business days, so you can talk it through with someone who can actually decide something.
• After that call, we will give you our answer in writing.

The thirty days runs from the day you write to us. If it is not resolved by then, either of us may move to the next step. This obligation runs both ways: if the concern is ours, we will raise it with you the same way.

One thing we ask of you. If your concern involves a payment, please complete the steps above before contacting your bank or card issuer to dispute a charge. A dispute filed with a bank takes the matter out of both our hands and gives it to people who know nothing about your program or your coaching. We would far rather hear it from you and fix it.

b. Mediation, if that does not settle it

If the thirty days pass without a resolution, either of us may propose mediation before a neutral mediator. Mediation is optional and non-binding, and we share the mediator's fee equally. It is faster and far cheaper than a courtroom, which is why it sits here rather than after someone has already filed.

c. Courts

Any dispute not resolved informally or by mediation is subject to the exclusive jurisdiction and venue of the state and federal courts located in Laramie County, Wyoming, and each of us consents to that jurisdiction.

If we bring a collection action for unpaid fees, we are entitled to recover reasonable attorneys' fees and interest at the highest rate permitted by law.

d. Governing law

These terms, and any dispute arising under them, are governed by the laws of the State of Wyoming, without regard to its conflict of laws principles.

Electronic Communications

By using this site or enrolling, you consent to receive communications from us electronically, including by email and through the member platform. You agree that electronic notices, agreements, and disclosures satisfy any legal requirement that such communications be in writing.

Service and account messages are part of your enrollment and are not marketing. You may opt out of marketing email at any time using the unsubscribe link, and doing so will not affect your program access or anything else you have paid for.

Suspension and Termination

We are not looking for reasons to remove anyone. In the ordinary course, if you breach these terms in a way that can be put right, we will tell you what the problem is and give you an opportunity to fix it before we take any action. The exceptions are the three prohibitions in the Community section above, which are serious enough that we may act immediately.

Subject to that, we may suspend or terminate your access to the site, the platform, or the community if you breach these terms, if your conduct harms other members, or if we are required to by law.

Termination for breach does not entitle you to a refund, and any unpaid balance under a payment plan remains due.

You may stop using the site and the platform at any time. Stopping does not relieve you of payment obligations already incurred.

Provisions that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution.

Changes to These Terms

We may update these terms from time to time. When we do, we will revise the effective date at the top of this page, and we will tell enrolled members about material changes by email or through the member platform rather than expecting anyone to notice on their own.

Continued use of the site or the programs after a change takes effect constitutes acceptance of the updated terms. If you do not agree to a change, your remedy is to stop using the site and the programs, subject to your existing payment obligations.

General Provisions

Assignment

You may not assign or transfer these terms or your program access. We may assign these terms in connection with a merger, acquisition, or sale of assets.

No waiver

If we do not enforce a provision on one occasion, that is not a waiver of our right to enforce it later.

No agency relationship

Nothing in these terms creates a partnership, joint venture, employment, agency, or fiduciary relationship between you and the Company.

Severability

If any provision is held invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in full force.

Force majeure

We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including network or protocol failures, outages of third-party platforms, natural events, or changes in law.

Entire agreement

These terms, together with our Privacy Policy and, for enrolled members, the enrollment agreement, constitute the entire agreement between you and the Company on this subject and supersede any prior understanding.

Questions

If anything here is unclear, or you want something explained before you enroll, please ask us. We want to make sure your questions are answered, so you can feel confident moving forward with us.