Affluent Ventures LLC d/b/a 029 Capital contact@029cap.com | 029cap.com/terms 

Effective: April 2026

DEFINITIONS

"Company" means Affluent Ventures LLC d/b/a 029 Capital and its principals. "Client" means any individual or entity that engages Company for services. "Services" means consulting, advisory, strategic, and coaching services provided by Company. "Agreement" means these Terms of Service in their entirety.

1. ACCEPTANCE

Client's continued instruction, payment, or engagement after being directed to these Terms constitutes clear and unequivocal acceptance of this Agreement. Electronic communications including but not limited to email, WhatsApp messages, and digital confirmations shall constitute valid written communication to the extent permitted by applicable law. Payment of any invoice constitutes final acceptance of these Terms. Engagement is subject to these Terms at all times. If you do not agree, do not engage our services.

2. SERVICES

Company provides Services as defined above. Exact scope is defined exclusively by written confirmation prior to commencement. All Services are general and consultative in nature. Nothing provided constitutes individualized analysis specific to Client's circumstances unless explicitly stated in writing. Verbal discussions, suggestions, or representations during sales conversations do not constitute binding commitments or scope expansions.

3. NO GUARANTEED OUTCOMES

Company makes no representations, warranties, or guarantees regarding specific outcomes. No specific financial result, revenue, return on investment, lead volume, business performance, or growth is guaranteed. All Services are provided on a commercially reasonable efforts basis only. Individual results will vary based on factors unique to each Client including but not limited to market conditions, Client execution, and external circumstances beyond Company's control. Company does not sell a guaranteed system, franchise, or business opportunity.

4. NO INVESTMENT, LEGAL, OR FINANCIAL ADVICE

Nothing communicated by Company constitutes regulated investment advice, financial advice, legal advice, or tax advice. Company is not a licensed investment advisor, broker-dealer, attorney, or financial planner. Client is solely responsible for consulting qualified professionals for advice specific to their situation.

5. SOPHISTICATED CLIENT & INDEPENDENT DUE DILIGENCE

Client represents that it is engaging Company as a business operator and not as a consumer, and assumes full responsibility for conducting its own independent due diligence prior to making any business or investment decision. Company's provision of access, introductions, or information does not relieve Client of this obligation. Client acknowledges that all decisions are made at Client's sole risk and discretion.

6. NO FIDUCIARY DUTY

Company does not act as a fiduciary, trustee, or agent for Client. No fiduciary duty, duty of care beyond commercially reasonable delivery, or special relationship is created by this Agreement or any engagement.

7. CLIENT RESPONSIBILITY

Client retains full and final authority for all implementation decisions. Company provides frameworks, guidance, and input. Execution, results, and consequences are Client's sole responsibility.

8. SERVICES PROVIDED "AS IS"

Services are provided "as is" and "as available." Company makes no warranty that Services will meet Client's specific requirements or produce specific results. To the fullest extent permitted by law, Company disclaims all implied warranties including merchantability and fitness for a particular purpose.

9. FEES & PAYMENT

Fees are agreed in writing prior to engagement. All fees represent compensation for Company's reserved capacity, proprietary expertise, and the immediate allocation of restricted scheduling availability, reflecting the opportunity cost of time that cannot be offered to other clients. Payment is due as specified in the applicable invoice. In the event of installment arrangements, all installments remain due regardless of Client's decision to cease participation. Late payments accrue interest at the maximum rate permitted by applicable law. Company reserves the right to suspend services immediately upon non-payment. Company reserves the right to assign outstanding receivables to third-party collection agencies at its sole discretion. Client assumes liability for all reasonable costs associated with such collection efforts including agency fees and legal costs. Client is responsible for any applicable taxes in its jurisdiction.

10. NO REFUNDS

All fees are non-refundable upon commencement of services, reflecting the immediate allocation of Company's proprietary expertise and restricted scheduling capacity. Services are intangible and deemed delivered upon commencement. Failure to attend, participate, or implement does not entitle Client to a refund. No partial refunds are issued for unused portions of any engagement.

11. CHARGEBACKS

Client agrees to contact Company at contact@029cap.com and allow 14 days to resolve any payment dispute prior to initiating any chargeback or reversal with any bank or payment provider. Initiating a chargeback without prior written notice to Company is a breach of this Agreement and entitles Company to pursue recovery of the disputed amount plus reasonable costs incurred in connection with the dispute.

12. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Company's maximum aggregate liability for any claim arising out of or related to this Agreement shall not exceed the total fees paid by Client under the applicable engagement from which the claim arises. Company shall not be liable for any indirect, incidental, consequential, special, or punitive damages including lost profits, lost revenue, loss of business opportunity, reputational harm, or business interruption, regardless of whether Company has been advised of the possibility of such damages. This limitation applies under all theories of liability including contract, tort, negligence, and strict liability.

13. CONFIDENTIALITY

Both parties maintain strict confidentiality regarding all non-public information exchanged during engagement. Client may not disclose, reproduce, or distribute Company's methods, frameworks, pricing, strategies, or proprietary content without prior written consent. This obligation survives termination of this Agreement.

14. INTELLECTUAL PROPERTY

All materials, frameworks, and content produced or shared by Company remain the exclusive intellectual property of Affluent Ventures LLC. Client receives a personal, non-transferable, non-sublicensable license to use delivered materials solely for Client's own internal business purposes. Client may not resell, share, sublicense, reproduce, repurpose, create derivative works from, or reverse engineer Company materials in any form without prior written consent.

15. TESTIMONIALS & REFERENCE

Client grants Company the right to use statements, feedback, results, and communications provided by Client in any format including written messages, chat, email, and verbal statements as anonymized testimonials and reference material in Company's marketing, website, social media, and promotional materials. Named or attributed use requires Client's explicit prior written consent sent to contact@029cap.com. Client may opt out of any future anonymized reference use by sending written notice to contact@029cap.com. Opt-out applies to future use only. Previously published anonymized content remains unaffected.

16. ANTI-DISPARAGEMENT

Client agrees not to make materially false or defamatory public statements regarding Company or its principals in any public forum, review platform, or to any third party. This provision does not limit Client's right to make truthful statements or statements made in legal proceedings.

17. NON-CIRCUMVENTION

Client agrees not to circumvent Company by directly contacting, engaging, or transacting with any opportunities, companies, investors, or stakeholders introduced by Company for a period of 24 months following such introduction. Any transaction occurring through circumvention entitles Company to a reasonable introduction fee of 10% of the total transaction value, reflecting market-standard compensation for sourcing and introduction services rendered. Upon introduction of any opportunity, Company may send written notice confirming the introduction, at which point the 24-month period commences. This obligation survives termination of this Agreement.

18. RECORDING

Company may record calls, video sessions, and meetings for internal documentation purposes. Client will be notified verbally at the beginning of any session and must provide explicit verbal consent prior to recording commencing. Continued participation following such consent constitutes Client's express agreement to recording.

19. NO REPORTING OBLIGATION

Company is under no obligation to provide Client with time logs, work documentation, activity reports, progress updates, or any other record of hours worked or tasks completed unless