Terms & Conditions
Effective date: May 22, 2026
Who we are: Jake Bernstein (“we,” “us,” “our”)
How to contact us: [email protected] | 74 W 69th St, New York, NY 10023
1) Agreement to terms
By purchasing, enrolling, or accessing the Life Unlocked Program (the "Program"), you ("Client" or "you") agree to be bound by these Terms & Conditions (the "Terms") and our Privacy Policy. If you do not agree, do not purchase or use the Program.
The Program is sold to and purchased by businesses, not consumers. By enrolling, you represent that you are an owner, officer, or authorized representative of an operating business with an actual or imminent product or service, you are at least 18 years old, and you are purchasing on behalf of the business for business purposes. The Program is not a business-opportunity, money-making, or income program, and we make no representation that you will earn any particular income or revenue.
2) Program access
Upon successful payment, you will receive access to the Program materials and any community or support platform we make available, for the duration of your enrollment and any Extended Support Period for which you remain eligible under Section 3.
We may modify, migrate, or sunset Program materials, content, community platforms, support formats, and delivery methods over time. We will use reasonable efforts to maintain a substantially equivalent level of value when making material changes.
Access is granted to the enrolled individual only. The license to use the Program is personal to you and may not be transferred or shared. You may not share your login, provide access to any other person (including employees, contractors, business partners, co-founders, or family members), or distribute Program content without our written permission.
We may suspend or revoke access for breach of these Terms, including non-payment, intellectual property violations, misrepresentation, or abusive or disruptive conduct.
3) Payments and commitment policy
3.1 Total Investment. By enrolling, you commit to pay the total investment amount stated at checkout in full, whether you select pay-in-full or a payment plan.
3.2 Payment Plans. A payment plan is a financing convenience, not a subscription. If you select a payment plan, you are obligated to pay the full total investment, and all scheduled payments will be charged on their scheduled dates. Stopping or cancelling a payment plan does not cancel your obligation to pay the remaining balance.
3.3 Authorization. You authorize us and our payment processors (which may include Stripe, ThriveCart, or others) to charge your designated payment method for all amounts owed under your enrollment.
3.4 Failed Payments. If a scheduled payment fails, we may suspend your access to the Program, community, support, and any Extended Support until the payment is cured. Continued failure to pay for more than ten (10) days after notice is a material breach, entitles us to accelerate the full remaining balance, and terminates any Extended-Support eligibility.
3.5 Non-Refundable. All payments are non-refundable, except where a specific written promotional offer extended to you expressly includes a refund or credit and you satisfy the conditions of that promotion. No refund will be issued based on your level of participation, perceived value, results, dissatisfaction, change of mind, or change of business circumstances.
3.6 No Chargebacks. You agree not to initiate a chargeback, payment dispute, or reversal with your bank, card issuer, or payment network for any payment made under these Terms, and instead agree to raise any payment concern directly with us in writing so we can attempt to resolve it. You acknowledge that the Extended-Support Guarantee in Section 4 is your contractual remedy if you do not reach the Agreed Revenue Target. Initiating a chargeback in breach of this Section is a material breach of these Terms, and we may recover the disputed amount, the costs of responding to the chargeback, and reasonable attorneys' fees in any action to enforce this provision.
3.7 Taxes. You are responsible for any sales, use, VAT, GST, or similar taxes applicable to your purchase, except for taxes on our net income.
4) Extended Support Guarantee
4.1 Key Definitions.
"Baseline Annual Revenue" means your business's annualized revenue at or immediately prior to enrollment, documented in writing between you and us before or at the time of enrollment (for example, on an enrollment form, intake document, sales-call recap, or email confirmation). Baseline Annual Revenue may be calculated using one of the following methods, or a comparable method, as agreed in writing:
(a) trailing twelve-month total revenue (collected) as of the enrollment date;
(b) trailing three-month or six-month average monthly revenue (collected) multiplied by twelve, for businesses with a recent and meaningful revenue change;
(c) Annual Recurring Revenue (ARR) as of the enrollment date for subscription businesses (or Monthly Recurring Revenue (MRR) multiplied by twelve);
(d) zero ($0) for businesses with no revenue at the time of enrollment; or
(e) another measurement method documented in writing and agreed by both parties at or before enrollment.
If Baseline Annual Revenue is not documented in writing before the end of the first thirty (30) days of the Core Program Period, the Baseline Annual Revenue will be deemed to be the trailing twelve-month total revenue (collected) as of the enrollment date (or zero if you had no revenue at enrollment), and you agree to provide reasonable documentation supporting that figure on request.
"Agreed Revenue Target" means the greater of: (i) two times (2x) your Baseline Annual Revenue, or (ii) your Baseline Annual Revenue plus ten thousand dollars ($10,000). For example: if your Baseline Annual Revenue is $50,000, your Agreed Revenue Target is $100,000 (because 2 × $50,000 = $100,000, which is greater than $50,000 + $10,000 = $60,000). If your Baseline Annual Revenue is $0, your Agreed Revenue Target is $10,000 (because $0 + $10,000 is greater than 2 × $0 = $0). The Agreed Revenue Target is fixed at enrollment based on your Baseline Annual Revenue and does not automatically adjust as your business changes. The Agreed Revenue Target is measured by trailing twelve-month revenue (collected), using the same method used to calculate Baseline Annual Revenue.
"Core Program Period" means the period beginning on your enrollment date and continuing for twelve (12) months, unless a different period is specified in writing for your enrollment.
"Extended Support Period" means the period (if any) beginning at the end of the Core Program Period and continuing only so long as (i) you remain Eligible for Extended Support and (ii) you have not yet reached the Agreed Revenue Target.
"Active Participation and Good-Faith Implementation" means, throughout the Core Program Period and any Extended Support Period: (a) completing the core program tasks, assignments, and materials we provide; (b) regularly attending or engaging with the live group office hours, community, and other support opportunities we make available; (c) applying the frameworks and recommendations to your real business decisions and operations in good faith; (d) providing accurate, timely, and reasonably detailed business and revenue updates when requested; (e) implementing agreed-upon recommendations within reasonable timeframes; and (f) not going absent or unresponsive for more than forty-five (45) consecutive days without meaningful engagement.
4.2 The Promise. If, at the end of the Core Program Period, you have not reached your Agreed Revenue Target and you are Eligible for Extended Support, we will continue providing you with access to the forms of support we make available, at no additional cost beyond your original investment, until you reach your Agreed Revenue Target or your eligibility ends, whichever occurs first. Continued Extended Support requires you to maintain Active Participation and Good-Faith Implementation and to satisfy all eligibility conditions in Section 4.3 on an ongoing basis. This is a commitment to continue providing support — it is not a promise that you will reach your Agreed Revenue Target (see Section 4.8).
4.3 Eligibility Conditions. You are "Eligible for Extended Support" only if all of the following are true:
(a) you have completed the Core Program Period;
(b) you engaged in Active Participation and Good-Faith Implementation throughout the Core Program Period, as we reasonably determine based on documented engagement, submissions, attendance, and updates;
(c) you are current on all payments owed and have not been in material breach of these Terms;
(d) you have provided accurate Baseline Annual Revenue documentation and accurate revenue or business updates throughout the Program;
(e) you are continuing to operate the same business that was assessed at enrollment, in substantially the same business model and market;
(f) you have not reached the Agreed Revenue Target; and
(g) you continue to satisfy the conditions above on an ongoing basis during the Extended Support Period.
4.4 What Extended Support Includes. Extended Support consists of continued access to whatever forms of support we are then making available to participants generally, which may include some or all of: group office hours, the community or support platform, asynchronous support within our chosen platform, recorded materials, and, at our sole discretion, occasional direct interaction with Jake Bernstein.
4.5 What Extended Support Does NOT Include. Extended Support does not include, and we make no commitment to provide, any of the following:
(a) unlimited or scheduled one-on-one coaching calls;
(b) unlimited private messaging, direct messaging, Slack, or text access to Jake Bernstein;
(c) done-for-you, implementation, agency, fractional executive, or contractor services;
(d) custom strategy development outside the Program's standard format;
(e) legal, accounting, tax, financial, investment, securities, medical, psychological, or mental-health advice or services;
(f) support for any business other than the business assessed at enrollment;
(g) support for new ventures, pivots to a materially different business model, new product lines, or new offers, unless we agree in writing;
(h) support for matters unrelated to reaching the Agreed Revenue Target;
(i) any service, deliverable, or access not expressly stated in writing by us.
4.6 Loss of Eligibility. Eligibility ends, automatically and without refund, upon any of the following:
(a) failure to maintain Active Participation and Good-Faith Implementation;
(b) any unpaid amount that remains unpaid for more than ten (10) days after notice;
(c) misrepresentation of revenue, business activity, or any other material fact;
(d) pausing, winding down, dissolving, selling, or materially restructuring the business;
(e) pivoting to a materially different business model, market, or offering;
(f) using the Program for a different company than the one assessed at enrollment;
(g) requesting support that is outside the scope of Section 4.4 or unrelated to the Agreed Revenue Target;
(h) failure to provide accurate revenue or business updates within thirty (30) days of a reasonable request;
(i) violation of these Terms or community/program rules; or
(j) reaching the Agreed Revenue Target.
4.7 Determination in Good Faith. We will determine eligibility and ongoing eligibility in good faith, based on documented participation, communications, submissions, and updates. We will not deny eligibility arbitrarily, but we are not obligated to extend support to participants who do not meet the conditions above.
4.8 Not a Guarantee of Results. The Extended-Support Guarantee is a commitment to continue providing certain forms of support under defined conditions, for as long as you remain Eligible for Extended Support. It is not a guarantee that you will reach your Agreed Revenue Target, double your revenue, grow your revenue by any specific amount, or achieve any specific revenue, profit, or business result. Many participants do not reach their Agreed Revenue Target. Your results depend on many factors outside our control, including your effort, execution, judgment, market conditions, team, capital, prior decisions, and circumstances. Achieving revenue growth requires execution by you and your business; Extended Support is a continued opportunity to receive coaching and resources, not a substitute for your own work.
5) Intellectual property
5.1 Ownership. All Program content, materials, frameworks, templates, recordings, software, methodologies, branding, and other intellectual property made available through the Program (the "Program IP") is owned by us or our licensors and is protected by U.S. and international intellectual property laws.
5.2 Limited License. Subject to your compliance with these Terms and your continued payment, we grant you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Program IP solely for your individual use during your enrollment and any Extended Support Period.
5.3 Restrictions. You will not, and will not allow any third party to:
(a) reproduce, distribute, publish, post publicly, broadcast, or share Program IP with anyone other than yourself;
(b) record, transcribe, screenshot, or otherwise capture live calls, office hours, or community content for distribution to anyone other than yourself;
(c) sell, license, sublicense, or commercialize Program IP;
(d) use Program IP to create or operate a competing program, course, community, or coaching offer;
(e) provide login credentials or access to any other person, including employees, contractors, business partners, co-founders, or family members;
(f) train any artificial intelligence, machine-learning model, or similar system on the Program IP; or
(g) create derivative works from Program IP without our written permission.
5.4 Your Content. You retain ownership of your own business information you share. You grant us a non-exclusive, royalty-free license to use anonymized and aggregated information from your participation to improve the Program. We will not publicly identify you or share your specific financials publicly without your written consent.
5.5 Testimonials. If you voluntarily provide a testimonial, case study, or endorsement, you grant us a perpetual, royalty-free license to use, edit (without material misrepresentation), and display it in our marketing and educational materials, with attribution as agreed.
5.6 Revocation of Access. Violation of this Section 5 is a material breach. We may immediately revoke access to the Program, community, and any Extended Support, without refund, and pursue all available remedies including injunctive relief and damages.
6) Disclaimers
6.1 Educational and Advisory. The Program is educational and advisory in nature. It is designed to support tech and B2B founders with business growth, operational leverage, decision-making, prioritization, and founder performance.
6.2 Not Professional Advice. The Program is not, and is not a substitute for, legal, accounting, tax, financial, investment, securities, fiduciary, medical, psychological, psychiatric, or mental-health advice or treatment. Nothing in the Program creates an attorney-client, accountant-client, fiduciary, broker-dealer, investment-adviser, or therapist-patient relationship. You are solely responsible for engaging your own licensed professionals where appropriate.
6.3 No Guarantee of Results. We do not guarantee any specific revenue, profit, growth, valuation, exit, acquisition, funding, customer acquisition, retention, or other business or financial outcome. Your results depend on many factors outside our control, including your effort, execution, judgment, market conditions, team, capital, prior decisions, and circumstances.
6.4 Forward-Looking Statements. Any examples, case studies, projections, statistics, or statements regarding past or potential results — whether on our website, in our marketing, in sales conversations, or in the Program itself — are illustrative only and are not promises or predictions of your specific results.
6.5 Extended-Support Guarantee Is Not a Results Guarantee. The Extended-Support Guarantee described in Section 4 is a commitment to continue providing certain forms of support under defined conditions. It is not a guarantee that you will reach your Agreed Revenue Target, double your revenue, grow your revenue by any specific amount, or achieve any specific result.
6.6 Your Decisions. You are solely responsible for your business decisions, financial decisions, hiring decisions, contracts, operations, and personal decisions. Our role is educational and advisory only.
6.7 "As Is" Service. The Program is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free service.
7) Limitation of liability
7.1 Cap on Liability. To the maximum extent permitted by law, our total cumulative liability arising out of or related to these Terms or the Program, regardless of the theory of liability (contract, tort, statute, or otherwise), is limited to the amount you actually paid to us in the twelve (12) months preceding the event giving rise to the claim.
7.2 Excluded Damages. In no event will we be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost revenue, lost business opportunities, lost data, loss of goodwill, or loss of business value, even if we have been advised of the possibility of such damages.
7.3 Basis of the Bargain. You acknowledge that the limitations in this Section 7 are an essential part of the bargain between us, and that the pricing of the Program reflects these limitations. Without these limitations, the pricing and terms of the Program would be materially different.
7.4 Time Limit on Claims. Any claim arising out of or related to these Terms or the Program must be brought within one (1) year after the cause of action arises, or it is permanently barred.
8) Third-party services
The Program may be delivered through, or rely on, third-party platforms and services such as ThriveCart, Circle, Stripe, Zoom, Google, and others (collectively, "Third-Party Services"). Third-Party Services are provided by independent third parties and are subject to their own terms of service and privacy policies. We are not responsible for the availability, performance, security, data handling, pricing, content moderation, account decisions, or policy changes of any Third-Party Service. Temporary unavailability, downtime, or errors of any Third-Party Service do not entitle you to a refund, credit, extension of the Core Program Period or Extended Support Period, or any other remedy. We may change, add, or replace Third-Party Services at any time.
9) Changes and updates
9.1 Program Updates. We may update, improve, modify, or change the Program — including its content, format, delivery method, support structure, schedule, and Third-Party Services — at any time, as further described in Sections 2 and 8.
9.2 Updates to These Terms. We may update these Terms from time to time. For changes that materially affect your existing rights or obligations, we will provide reasonable notice by email to the address associated with your enrollment, by in-Program notice, or both. For non-material changes (such as clarifications, formatting, or contact information updates), we may post the revised Terms without separate notice.
9.3 Acceptance of Updates. Your continued participation in the Program after the effective date of any updated Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, your sole remedy is to stop participating in the Program, subject to your continuing payment obligations under Section 3.
9.4 Effective Date. Each version of these Terms will display its effective date at the top of the document.
10) Governing law
10.1 Governing Law. These Terms are governed by the laws of the State of New York, United States, without regard to its conflict-of-laws principles.
10.2 Informal Resolution. Before initiating any formal proceeding, the parties will attempt in good faith to resolve any dispute through written notice describing the dispute and a thirty (30) day informal-resolution period beginning when notice is received.
10.3 Venue. Any dispute not resolved informally will be brought exclusively in the state or federal courts located in New York County, New York, and each party consents to personal jurisdiction and venue in those courts.
10.4 No Class Actions. Any dispute will be brought only in your individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding.
10.5 Jury Trial Waiver. To the maximum extent permitted by law, each party knowingly and voluntarily waives any right to a trial by jury in any proceeding arising out of or related to these Terms or the Program.
10.6 Attorneys' Fees. In any action or proceeding to enforce these Terms (including responding to chargebacks, defending against claims, or collecting unpaid amounts), the prevailing party is entitled to recover its reasonable attorneys' fees and costs.
11) Confidentiality
11.1 Mutual Confidentiality. Each party agrees to maintain the confidentiality of non-public information shared by the other party during the sales process, enrollment, the Program, or any Extended Support Period, including business strategies, financials, customer data, personnel matters, and personal information.
11.2 Group Setting Acknowledgement. The Program includes a group component. Information you share in group settings, the community, office hours, or with other participants is not confidential as to those other participants, and we are not responsible for the conduct of other participants. Do not share information in group settings that you need to keep confidential. You agree to keep confidential any non-public information about other participants and their businesses that you learn through the Program, and not to use such information for any purpose other than your own participation in the Program.
12) Indemnification
You agree to indemnify, defend, and hold harmless us, our owners, employees, contractors, and affiliates from any third-party claim, loss, damage, liability, cost, or expense (including reasonable attorneys' fees) arising out of (a) your use of the Program; (b) your business decisions or operations; (c) your breach of these Terms; (d) your violation of any law or third-party right; or (e) your content, communications, or conduct in the community or any group setting.
13) Termination
13.1 By Us. We may suspend or terminate your access for material breach of these Terms (including non-payment, misrepresentation, intellectual property violations, abusive conduct, or disruptive behavior in the community). Upon termination for breach, all unpaid amounts become immediately due, and all Extended-Support eligibility ends without refund.
13.2 By You. You may stop participating at any time, but you remain obligated to pay the full total investment and are not entitled to any refund except as expressly provided in Section 3.5.
13.3 Survival. Sections 3, 4, 5, 6, 7, 8, 10, 11, 12, 13.3, and 14, and any other provision that by its nature should survive, will survive termination of these Terms.
14) General
14.1 Entire Agreement. These Terms, together with your enrollment documentation and any specific written promotional offer extended to you, constitute the entire agreement between you and us regarding the Program and supersede all prior or contemporaneous communications, representations, and agreements, including sales-call statements, marketing materials, social-media posts, and webinars.
14.2 No Waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
14.3 Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full force, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.
14.4 Assignment. You may not assign these Terms without our written consent. We may assign these Terms to an affiliate or in connection with a sale or transfer of our business.
14.5 No Agency. Nothing in these Terms creates an agency, partnership, joint venture, employment, or fiduciary relationship between the parties.
14.6 Notices. Notices to us should be sent to [email protected]. Notices to you will be sent to the email associated with your enrollment.
14.7 Headings. Headings are for convenience only and do not affect interpretation.
14.8 Acknowledgement. By enrolling and making payment, you acknowledge that you have read, understood, and agreed to these Terms, including the no-guarantee provisions, payment terms, non-refundability, intellectual property restrictions, limitation of liability, dispute-resolution provisions, and class-action waiver.
Questions? Contact us at [email protected]