Effective Date: Upon your electronic acceptance at checkout.
IMPORTANT — READ THIS BEFORE ENROLLING. This Agreement governs your access to and use of the CLEAR™ Program self-serve materials, which include recorded video content, written materials, exercises, the One Percent Playbook Assessment, the CLEAR Command Center web application, the Digital Mind AI assistant, community access, and related tools (collectively, the "Program Materials").
BY CHECKING THE ACCEPTANCE BOX AND COMPLETING ENROLLMENT, YOU ACKNOWLEDGE THAT (A) YOU HAVE READ AND UNDERSTAND THIS AGREEMENT, AND (B) YOU ACCEPT AND AGREE TO BE BOUND BY IT. If you do not agree, do not check the box, do not complete enrollment, and do not access any Program Materials.
Electronic acceptance. You accept this Agreement electronically. Under the federal E-SIGN Act (15 U.S.C. § 7001 et seq.) and applicable state law (UETA), your electronic acceptance has the same legal force and effect as a handwritten signature. You consent to transact electronically and to receive this Agreement, receipts, and related records in electronic form.
This Participation Agreement ("Agreement") is entered into and becomes effective upon your electronic acceptance ("Effective Date") between:
Program Provider: One Percent Playbook LLC, a Wyoming limited liability company, with principal offices at 30 N Gould St #50067, Sheridan, WY 82801, USA ("Provider," "Company," "we," "us," or "our").
Participant: The individual accepting this Agreement ("Participant," "Client," "you," or "your").
Payment processing. Payments for the Program are processed by the Provider through Stripe. Your card statement will show the descriptor "OPP CLEAR."
Notices. Written notices to Provider under this Agreement — including cancellation notices and arbitration opt-out notices — may be sent by email to [email protected] or by mail to One Percent Playbook LLC, 1304 El Prado Avenue, Suite C, Torrance, CA 90501.
Provider and Participant are referred to jointly as "Parties" and individually as a "Party."
WHEREAS, Provider has expertise in tax-strategy education and financial decision-making frameworks for high-income earners and business owners;
WHEREAS, Provider owns intellectual property including proprietary systems, methods, frameworks, courses, assessments, and materials, including the CLEAR™ framework, the Freedom Formula, and the One Percent Playbook assessment methodology ("Proprietary Information");
WHEREAS, Provider offers self-directed access to educational content and tools that utilize the Proprietary Information; and
WHEREAS, Participant desires to purchase access to the Program on a self-serve basis, and Provider has agreed to grant such access on the terms below.
NOW, THEREFORE, in consideration of these recitals and the mutual covenants herein, the Parties agree as follows.
The CLEAR™ Program (self-serve tier) grants you access to the following components, at the access levels described. Program Materials are delivered digitally and are self-paced:
a) Onboarding (Week 0) — the Teaching ≠ Prescription model, a CLEAR™ framework overview, and how to use the Program.
b) The 8-Week CLEAR Framework Curriculum — pre-recorded video instruction, written materials, and exercises across the five filters (Clarity, Limitation, Evaluation, Accountability, Resilience), self-paced within your access period.
c) The Freedom Formula Calculator + CLEAR Command Center — access to the web application (the calculation engine and living workbook) to work through your Freedom Number, your gap, your required return, and your plan, via account credentials.
d) The 10 Strategy Categories Decision Library — a reference to evaluate and score which of the ten strategy categories may apply to your situation.
e) The Defensibility Documentation System — the audit-ready documentation structure, checklists, and tools built into the Program.
f) The Three-Seat CPA Conversation Kit — questions and prompts to drive your CPA relationship across the architect, implementer, and compliance roles.
g) The Annual Law Review Prompt — a prompt set to filter tax-law changes down to what may affect your strategy stack.
h) 24/7 Digital Mind (AI Assistant) — the AI-powered question-and-answer assistant for self-directed questions, via separate platform credentials (subject to Section 15). Educational information only; may be inaccurate; does not constitute advice.
i) Private Skool Community Access — the private CLEAR™ community, including Priority Community Access (front-of-line visibility).
j) Track Your Freedom Living Record — a permanent living record (one row per year) within the Command Center.
k) Q&A Recording Vault — access to a library of recorded Program Q&A sessions, indexed by topic, for your reference. This is a library of recordings; it does not include participation in live Q&A sessions (see Section 3.2).
Program Materials and tools are provided as released and as they exist from time to time; features may be added, updated, or changed. Access to any third-party platform (e.g., the community platform, the AI assistant) is subject to Section 15.
The self-serve tier explicitly does not include:
The items above are part of Provider's separate premium / higher-tier program, governed by a separate agreement. This self-serve tier does not include personalized professional services of any kind.
The Program operates on a strict separation of three functions:
| Function | Source | Output |
|---|---|---|
| Teaching | Program Content | Frameworks, mechanisms, judgment-building |
| Surfacing options | The CLEAR™ tools (Decision Library + Command Center) | Strategy options that may apply to your situation |
| Validation & Decision | Your CPA + You | Final decisions and implementation |
By accepting this Agreement, you acknowledge and agree that:
a) The Program teaches decision-making frameworks and does not prescribe specific actions; b) The Program's tools (including the Decision Library and Command Center) surface options for your evaluation and are not advice to implement any strategy; c) You are responsible for obtaining qualified professional advice (CPA, attorney, financial advisor) before implementing any strategy; d) You retain full decision-making authority over all financial and tax decisions; e) Provider is not your CPA, attorney, financial advisor, or fiduciary; f) Provider does not offer legal, tax, or financial advice, and you are responsible for your own actions; and g) You will consult a tax professional about any tax implications of strategies discussed in the Program.
Program access is granted after (i) your electronic acceptance of this Agreement and (ii) Provider's receipt of the Program Fee. You will receive access credentials by email. Access to the community platform and the Digital Mind is provisioned using the email/account you designate at checkout.
This Agreement commences on the Effective Date. The core content is delivered over eight (8) weeks, plus the Onboarding module, on a self-paced basis. You retain access to the recorded content and tools for twelve (12) months from the Effective Date, subject to your continued compliance with this Agreement. Provider may offer to extend or renew access on terms communicated separately.
You represent, warrant, and agree that:
a) Professional support — you maintain, or will establish, a relationship with a qualified CPA or tax professional, and you will bring any Assessment outputs to that professional for validation; you will not implement any strategy without professional review;
b) Accurate intake — if you complete the One Percent Playbook intake, you will provide truthful, accurate information, and you understand that the quality of any output depends on the quality of your inputs;
c) Own decisions — you retain full responsibility for your financial and tax decisions and for obtaining professional advice; and
d) Eligibility — you are at least 18 years old and have authority to enter this Agreement.
(There are no mandatory attendance, homework-completion, feedback-survey, or testimonial obligations in the self-serve tier. Program engagement is self-directed and for your benefit.)
The Program Fee is One Thousand Nine Hundred Ninety-Seven Dollars ($1,997.00 USD), or, if you select an available installment/pay-over-time option, the total amount presented at checkout for that option.
The Program Fee is due in full at enrollment, unless you select an available pay-over-time option offered through a third-party provider (e.g., Affirm or Klarna), in which case Provider is paid in full at enrollment and your payment schedule is between you and that provider. Access to Program Materials is contingent on Provider's receipt of payment. This Agreement becomes effective upon your acceptance and is conditioned on successful payment; if payment fails or is not completed, no license is granted.
Because the Program is a digital product and access to the program, tools, community, and onboarding begins immediately upon purchase, all sales are final and non-refundable, except as expressly provided below or as required by applicable law.
State-Specific Rights. Nothing in this Agreement limits any non-waivable cancellation or refund right granted to you by the law of your state of residence. Where such a right applies, it controls over the "all sales final" policy to the extent required.
NOTICE TO CALIFORNIA RESIDENTS — YOUR RIGHT TO CANCEL. You, the buyer, may cancel this transaction, without any penalty or obligation, within three (3) business days from the date of purchase (or within five (5) business days if you are 65 years of age or older). To cancel, email, mail, or deliver a signed and dated copy of the Notice of Cancellation below — or any other written notice stating your intent to cancel — to Provider at [email protected], or by mail to One Percent Playbook LLC, 1304 El Prado Avenue, Suite C, Torrance, CA 90501, no later than midnight of the applicable deadline day. If you cancel within the applicable period, Provider will return the amount you paid, by the original payment method, within ten (10) days following receipt of your cancellation notice, and your access to the Program Materials will end.
NOTICE OF CANCELLATION Date of transaction: ____________ You may cancel this transaction, without any penalty or obligation, within three business days from the above date (five business days if you are a senior citizen). To cancel, email, mail, or deliver a signed and dated copy of this cancellation notice, or any other written notice of cancellation, to: One Percent Playbook LLC, 1304 El Prado Avenue, Suite C, Torrance, CA 90501, or by email to [email protected], not later than midnight of the applicable deadline. I hereby cancel this transaction. Date: ____________ Buyer's signature: ____________ Buyer's printed name: ____________
If you experience a technical or access issue, contact [email protected] and we will work to resolve it.
If you have a concern about a charge, you agree to contact Provider first at [email protected] so we can attempt to resolve it informally before you initiate a chargeback or payment dispute.
You acknowledge that the Program is delivered digitally with instant access, and that Provider maintains records of your acceptance of this Agreement and your access to and use of the Program Materials.
If you initiate a chargeback or payment dispute after Program Materials have been made available to you, and the dispute is resolved in Provider's favor or is determined to have been made in bad faith, Provider may (i) suspend or terminate your access to the Program and (ii) pursue the amount owed together with reasonable costs of collection. Filing such a dispute without first contacting Provider is a breach of this Agreement.
(This section does not require you to give up any right you have under applicable law; any provision that would do so is not intended and shall be read down under Section 18.3.)
Provider grants you access to educational frameworks intended to help you make better financial decisions. PROVIDER GUARANTEES NO SPECIFIC RESULTS. You take full responsibility for your own outcomes, which depend on your situation, your implementation, the professional advice you obtain, and your individual circumstances. Any examples, outcomes, or testimonials are not promises or guarantees of your results and should not be relied upon.
You acknowledge that any testimonials or examples from current or former participants are not typical results, and that your results depend on your own proper use of the Program Materials and your professional advisors.
IN NO EVENT SHALL PROVIDER BE LIABLE TO PARTICIPANT FOR CONSEQUENTIAL, INCIDENTAL, PUNITIVE, OR SPECIAL DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST-OPPORTUNITY DAMAGES. NO OFFICER, DIRECTOR, EMPLOYEE, OR AGENT OF PROVIDER SHALL HAVE ANY PERSONAL LIABILITY UNDER THIS AGREEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROVIDER'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE TOTAL FEES PAID BY PARTICIPANT FOR THE PROGRAM.
PARTICIPANT AGREES TO INDEMNIFY AND HOLD PROVIDER HARMLESS FROM ANY LIABILITY ARISING OUT OF PARTICIPANT'S ACTS OR OMISSIONS, INCLUDING ANY DECISIONS MADE BASED ON PROGRAM CONTENT.
All Program content — including the CLEAR™ framework and methodology, the Freedom Formula and related calculations, video recordings and written materials, the One Percent Playbook Assessment methodology, exercises, templates, tools, and all trademarks, trade names, and branding — remains the exclusive property of Provider and is protected by applicable intellectual-property laws.
Subject to your compliance with this Agreement, Provider grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Program Materials solely for your personal, non-commercial use during and after the Program period.
You agree NOT to:
Any unauthorized duplication, extraction, or redistribution of Program Materials is a material breach and grounds for immediate termination without refund, as well as legal action to protect Provider's intellectual-property rights.
"Confidential Information" includes Provider's copyrights, trade secrets, know-how, the CLEAR™ framework, the Freedom Formula methodology, the One Percent Playbook assessment methodology, techniques, pricing, and all non-public materials provided to you. You shall maintain the confidentiality of Provider's Confidential Information and shall not disclose, copy, share, or sell it to any third party except with Provider's prior written consent.
Provider agrees to keep your personal and financial information confidential, to use it only to deliver the Program and Assessment, and to handle it in accordance with the Privacy Policy at opp-clear.com/privacy.
Provider may wish to feature participant testimonials and results. Any use of your name, likeness, image, voice, testimonial, or results for promotional purposes is voluntary and requires your affirmative, opt-in consent, given through a separate testimonial or release form. You are under no obligation to provide a testimonial, and declining has no effect on your access to the Program. If you do provide a testimonial, you represent that it is truthful and accurate, and you may withdraw consent to future use at any time by written notice (Provider is not obligated to remove materials already published).
You agree not to make false or defamatory statements about Provider, its owners, officers, employees, or agents; the CLEAR™ Program, the One Percent Playbook, or associated brands; or other participants.
This clause does not restrict, and you retain the full right to make, truthful statements and honest reviews of the Program and your experience, including public reviews and statements required by or protected under law. Nothing in this Agreement is intended to, or shall, restrict your ability to communicate a truthful review of Provider's goods or services, consistent with the Consumer Review Fairness Act (15 U.S.C. § 45b); any provision to the contrary is void.
During the Term and for twelve (12) months thereafter, Participant will not directly or indirectly solicit, induce, or attempt to induce any employee, independent contractor, agent, or consultant of Provider to terminate their relationship with Provider, or otherwise interfere with those relationships.
The Program uses and integrates third-party platforms (e.g., the community platform, the AI assistant, video hosting, payment processing). You are responsible for creating and managing your own accounts where applicable and following each platform's usage policies. Provider is not liable for changes, pricing, outages, or issues arising from any third-party service.
Provider may suspend or terminate your access immediately, without refund, if you (i) violate the intellectual-property or confidentiality provisions, (ii) violate the non-disparagement or non-solicitation provisions, (iii) file a payment dispute in breach of Section 7.4, or (iv) breach any other material term.
You may stop using the Program at any time. Refund eligibility is governed by Section 7.3.
Sections concerning intellectual property, confidentiality, non-disparagement, non-solicitation, limitation of liability, and dispute resolution survive termination.
This Agreement is governed by the laws of the State of Wyoming, without regard to its conflict-of-law provisions.
Before initiating any formal proceeding, you agree to contact Provider at [email protected] to attempt to resolve any dispute informally. The Parties will make reasonable efforts to resolve the matter within thirty (30) days of written notice.
If informal resolution fails, any dispute arising out of or relating to this Agreement shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, conducted in Sheridan County, Wyoming, or by remote means. The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction.
Notwithstanding Section 17.3, either Party may bring an individual claim in a small-claims court of competent jurisdiction if the claim qualifies.
Dispute-resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive the right to participate in a class action or class-wide arbitration.
You may opt out of this arbitration agreement (Sections 17.3 and 17.5) by sending written notice to [email protected] within thirty (30) days of your Effective Date, stating your name and intent to opt out. Opting out does not affect any other provision of this Agreement.
This Agreement, together with the Terms of Service (opp-clear.com/terms) and Privacy Policy (opp-clear.com/privacy) referenced at checkout — and including the Refund Policy set out in Section 7.3 of this Agreement — constitutes the entire agreement between the Parties and supersedes all prior representations. The versions of the Terms of Service and Privacy Policy in effect at the time of your acceptance govern. You acknowledge that any examples, outcomes, testimonials, or statements in advertisements, marketing materials, or sales communications are not guarantees and do not form part of this Agreement.
Provider may update this Agreement prospectively; the version in effect at the time of your acceptance governs your enrollment. Provider maintains an archive of each version with its effective dates.
If any provision is held unenforceable, it shall be limited or eliminated to the minimum extent necessary, and the remaining provisions remain in full force.
A Party's failure to enforce any provision is not a waiver of its right to enforce that or any other provision.
You may not assign this Agreement without Provider's prior written consent. Provider may assign it.
You agree that this Agreement may be stored electronically and that a printed copy of the imaged record may be used in any proceeding with the same force as an original. Your electronic acceptance (checkbox + completion of enrollment), together with Provider's acceptance-evidence record (timestamp, IP address, document version, and order identifier), constitutes your signature.
This Agreement does not create an employment, partnership, agency, or joint-venture relationship between the Parties.
By checking the acceptance box and completing enrollment, I acknowledge that:
End of Agreement.
Version 1.0 · Published August 2, 2026. Your Effective Date is the date of your electronic acceptance at checkout. · © 2026 One Percent Playbook LLC (DBA OPP CLEAR Program). All rights reserved.