SidelineWealth™ — Terms of Service

Operated by CLV Media, LLC Effective Date: July 29, 2026 Contact: legal@sidelinewealth.com

1. Agreement to Terms

1.1 These Terms of Service (the "Terms") constitute a binding legal agreement between you ("User," "you," or "your") and CLV Media, LLC, a North Carolina limited liability company ("Company," "we," "us," or "our"), governing your access to and use of the SidelineWealth™ web application, the website located at sidelinewealth.com, application programming interfaces, monitoring agents, calculators, planners, reports, illustrations, and all related software, content, and services (collectively, the "Platform").

1.2 By accessing, registering for, or using the Platform, by clicking "I agree," or by purchasing or using any "Subscription" (as defined in Section 4), you acknowledge that you have read, understood, and agree to be bound by these Terms, the Privacy Policy, the Cookie Policy, the Refunds & Cancellation Policy, and the Disclaimer, each incorporated by reference. If you do not agree, you must not use the Platform.

1.3 If you accept these Terms on behalf of an organization (including a financial-advisory firm, sports agency, collective, athletic department, or other entity), you represent that you have authority to bind that organization, and "you" refers to both you individually and that organization.

2. Definitions

2.1 "Advisor User" means a User who accesses the Platform in a professional capacity, including financial advisors, registered investment adviser representatives, tax professionals, sports agents, agency personnel, collective administrators, and institutional or athletic-department staff.

2.2 "Athlete User" means an individual User (including a current, prospective, or former student-athlete or professional athlete, or a parent or legal guardian acting on behalf of such an athlete) who accesses the Platform's public tools for personal planning purposes or who receives an illustration prepared by an Advisor User.

2.3 "Outputs" means all estimates, calculations, scenario comparisons, savings ranges, multi-state allocations, flags, guardrails, action items, reports, branded illustrations, summaries, and other materials generated by the Platform, including content produced in whole or in part by automated or artificial-intelligence systems ("AI Outputs").

2.4 "Source Data" means publicly available rules, rates, thresholds, policies, court opinions, and announcements ingested by the Platform from third-party sources, including the Internal Revenue Service ("IRS"), the Social Security Administration ("SSA"), the Federal Register, state departments of revenue, the federal and state courts, the National Collegiate Athletic Association ("NCAA"), the College Sports Commission, and similar governmental and governing bodies.

2.5 "User Content" means information you input, upload, or transmit to the Platform, including income figures, income classification, state, salary, duty-day, deduction, prospect, and roster data, and documents you upload for processing.

3. Description of Services

3.1 The Platform is a financial-planning illustration and information tool designed to help Users model the potential tax effects of name, image, and likeness ("NIL") income, revenue-share income, and related compensation, and to monitor changes in publicly available federal, state, court, and NCAA developments relevant to such income.

3.2 Platform features may include, without limitation: (a) interactive tax-scenario calculators and a planner (including S-Corporation, §199A "QBI," self-employment-tax, PTET, quarterly-estimate, and multi-state "jock-tax" estimates), some of which are available to the public without an account; (b) automated monitoring agents that surveil Source Data and stage proposed rule changes for human review before publication; (c) a "Law Watch" feed, alert sign-up, and an advisor-facing record of which clients a change may affect; (d) an advisor workspace with roster, action items, and prospect tools; (e) branded, exportable, and shareable reports and illustrations; and (f) AI-assisted explanations and document intake.

3.3 No professional services. The Company is not a certified public accounting firm, law firm, registered investment adviser, broker-dealer, insurance producer, tax-return preparer, or immigration practice, and the Platform does not constitute and does not provide accounting, legal, tax, investment, financial, insurance, or immigration advice or services. The Platform does not prepare or file tax returns, does not custody assets, and does not establish, register, or operate any legal entity on your behalf.

3.4 Estimates only. All Outputs are non-binding estimates based on simplified models, assumptions about current federal and state tax law, Source Data that may be outdated or incomplete, and the User Content you provide. Outputs may not reflect your complete circumstances, all multi-state sourcing rules, local taxes, the contested classification of revenue-share income, or subsequent changes in law.

3.5 The Company may modify, suspend, add, or discontinue any portion of the Platform at any time, with or without notice, and is not liable to you or any third party for doing so.

4. Subscriptions, Fees, and Billing

4.1 Free access and paid Plans. Certain calculators and the planner are available to the public free of charge and without an account. The advisor workspace and related professional features are offered through paid subscription plans (each a "Subscription") — currently the Advisor, Team, Agency, and Enterprise tiers (collectively, the "Plans"). Current Plan names, features, seat or roster guidance, and prices are set forth at sidelinewealth.com/for-advisors ("Plan Pricing") and are incorporated by reference. The Enterprise tier is sold by quote under a separate order form.

4.2 Authorization and recurring billing. Paid Subscriptions are billed in advance on an annual basis (the "Billing Period"), unless a different Billing Period is specified for your Plan, through our third-party payment processor, Stripe, Inc. ("Payment Processor"). By purchasing a Subscription, you authorize the Company and the Payment Processor to charge your payment method for all applicable fees, taxes, and renewals until you cancel.

4.3 Automatic renewal. Each Subscription automatically renews for a successive Billing Period at the then-current Plan Pricing unless you cancel before the end of the current Billing Period.

4.4 Cancellation. You may cancel at any time from the cockpit via Billing → Manage billing (which opens the Stripe customer portal), or by emailing billing@sidelinewealth.com from your account email. Cancellation stops future renewals; your access continues through the end of the current paid Billing Period. Refunds, where available, are governed by the Refunds & Cancellation Policy.

4.5 Refunds. Except as expressly provided in the Refunds & Cancellation Policy (including its 14-day first-term satisfaction window) or as required by applicable law, fees already paid are non-refundable, including for partial Billing Periods, unused features, downgrades, or unused seats.

4.6 Price changes. The Company may change Plan Pricing prospectively, applied to the next renewal following at least thirty (30) days' notice; continued use after the change constitutes acceptance.

4.7 Taxes. Fees are exclusive of, and you are responsible for, all sales, use, VAT, and similar taxes, excluding taxes on the Company's net income.

4.8 Seats. For multi-seat Plans, you are responsible for all activity under your seats and must ensure each seat is used by a single authorized individual.

4.9 Free access "as is." Free, no-account access to public tools is provided "as is," may be subject to limits, and may be modified or discontinued at any time.

4.10 Past-due amounts; chargebacks. The Company may suspend or terminate access for non-payment. Initiating a chargeback without first seeking resolution under Section 4.4 and the Refunds & Cancellation Policy is a material breach.

5. Eligibility; Accounts

5.1 Eligibility. The Platform is available only to (a) Advisor Users who are professionals or institutions operating in the United States, and (b) Athlete Users located in the United States. The Platform addresses United States federal and state tax contexts only; Outputs concerning non-U.S. or "nonresident alien" scenarios are illustrative and especially uncertain.

5.2 Age and minors. You must be at least eighteen (18) years old to create an account. A parent or legal guardian may create and control an account on behalf of a minor athlete and is solely responsible for all use of that account and bound by these Terms on the minor's behalf. The Platform is not directed to children under thirteen (13).

5.3 Account security. You are responsible for the confidentiality of your credentials and for all activity under your account, and must notify legal@sidelinewealth.com promptly of unauthorized use.

5.4 Accuracy. You agree to provide accurate, current, and complete registration information.

6. Acceptable Use

6.1 You agree not to: (a) use the Platform for any unlawful, fraudulent, or deceptive purpose; (b) represent any Output as professional advice originating from the Company; (c) reverse engineer, decompile, scrape, or derive source code, models, or the underlying rules database, except where such restriction is prohibited by law; (d) access the Platform by automated means except through APIs we authorize; (e) resell, sublicense, white-label, or provide the Platform to third parties except as your Plan permits; (f) circumvent usage, seat, or rate limits; (g) upload malicious code or interfere with security; (h) use the Platform to build a competing product or to benchmark for a competitor; or (i) submit User Content you lack the right to submit.

6.2 Sensitive data; data minimization. In plain terms: keep sensitive identifiers out of free-text boxes — the Platform's estimates do not need them, and tax forms belong in the secured Document Vault, not a planning field. Specifically, do not enter full Social Security numbers, government-ID numbers, or financial-account credentials into free-text planning fields, and do not submit protected health information anywhere on the Platform (it is not needed, and the Platform is not a HIPAA covered entity). The Platform's core estimates do not require such data. The optional Document Vault is designed to store tax and compliance documents that may contain a taxpayer identification number, SSN, or ITIN; you may store such documents there at your discretion, they are held under the safeguards described in the Privacy Policy (§2.3(b)) — which include a record of every download and deletion — and a member with owner or admin access may delete them at any time. Documents you submit for AI intake (as distinct from the Vault) are processed transiently and are not stored. You remain responsible for the content you upload and for having the right to submit it.

6.3 The Company may investigate suspected violations and suspend or terminate access under Section 11.

7. User Content

7.1 You retain ownership of your User Content and grant the Company a worldwide, non-exclusive, royalty-free license to host, process, and use it solely to operate, secure, support, and improve the Platform and to generate Outputs for you.

7.2 You represent that you have all rights necessary to submit your User Content and that it violates no law or third-party right.

7.3 Aggregated/De-identified Data. The Company may create and use aggregated and de-identified data (that does not identify you or any individual) for any lawful business purpose, including analytics and improvement. The Company does not use User Content to train or fine-tune artificial-intelligence models, as further described in the Privacy Policy.

8. Intellectual Property

8.1 Company IP. The Platform, including all software, calculation engines, rules databases, monitoring-agent logic, interfaces, designs, content, and trademarks ("SidelineWealth™," "CLV Media"), and all intellectual-property rights therein, are the exclusive property of the Company and its licensors. No rights are granted except the limited license in Section 9.

8.2 Outputs. Subject to payment and compliance, the Company grants you a license to use Outputs generated for you for your internal business or personal planning purposes and, for Advisor Users, to share Outputs, branded reports, and illustrations with your own clients and prospects. The Company retains ownership of the templates, formats, models, and methodology used to generate Outputs. You are solely responsible for any decision or advice based on Outputs.

8.3 Feedback. Any suggestions you provide may be used by the Company without restriction or compensation.

9. License Grant

9.1 Subject to these Terms and your Plan, the Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform during your Subscription term (or, for public tools, during your use) for the purposes in Section 3. All rights not expressly granted are reserved.

10. Third-Party Services

10.1 The Platform relies on and links to third-party services and data sources (including the Payment Processor, hosting, database, AI model, and analytics providers, and governmental and court Source Data). The Company does not control and is not responsible for third-party services or Source Data, which may be inaccurate, delayed, or incomplete, and your use may be subject to their separate terms.

11. Suspension and Termination

11.1 By you. You may terminate by canceling all Subscriptions and ceasing use; Sections 4.4 and 4.5 and the Refunds & Cancellation Policy apply.

11.2 By the Company. The Company may suspend or terminate access immediately and without liability if (a) you breach these Terms; (b) required by law or to prevent harm, fraud, or security risk; or (c) the Company discontinues the Platform.

11.3 Effect. Upon termination, your license ends and you must cease use. Sections 4.5, 7.3, 8, 12, 13, 14, 15, 16, and 17 survive. You are responsible for exporting data before termination.

12. Disclaimers

12.1 Informational purposes only. THE PLATFORM AND ALL OUTPUTS ARE PROVIDED FOR GENERAL INFORMATIONAL AND FINANCIAL-PLANNING-ILLUSTRATION PURPOSES ONLY AND DO NOT CONSTITUTE TAX, LEGAL, ACCOUNTING, FINANCIAL, INVESTMENT, INSURANCE, OR IMMIGRATION ADVICE. NO PROFESSIONAL-CLIENT, FIDUCIARY, OR ADVISORY RELATIONSHIP IS CREATED BY YOUR USE OF THE PLATFORM.

12.2 Your responsibility. You are solely responsible for all tax, financial, structuring, entity-formation, compensation, filing, eligibility, and compliance decisions, and for verifying all Outputs with a qualified, licensed professional (such as a CPA, tax attorney, or financial advisor) before acting.

12.3 Estimates and assumptions. Outputs are estimates based on simplified assumptions about current federal and state tax law and on User Content, and may not account for your full circumstances, all multi-state sourcing/"jock-tax" rules, local taxes, or future (including retroactive) changes in law.

12.4 Revenue-share classification. The proper tax classification of NIL and revenue-share income (including 1099 versus W-2, and royalty versus service characterization) is unsettled and subject to ongoing litigation, regulatory action, and institutional practice. Outputs assume a classification that may prove incorrect.

12.5 AI Outputs. AI Outputs and automated summaries may be inaccurate, incomplete, outdated, or fabricated. Monitoring-agent results, even where human-reviewed, are not guaranteed to be timely, complete, or correct. You must independently verify all AI Outputs.

12.6 Source Data. Source Data is drawn from public sources and is not guaranteed to be accurate, current, or complete.

12.7 NCAA/NIL and immigration. The Platform does not ensure compliance with NCAA, conference, institutional, state, or clearinghouse rules, and does not provide immigration or work-authorization advice. International or visa-holding athletes must consult qualified immigration and tax counsel, and all athletes must consult their institution's compliance office.

12.8 "AS IS." EXCEPT AS EXPRESSLY STATED, THE PLATFORM AND OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," AND THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

13. Limitation of Liability

13.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, MEMBERS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, TAX PENALTIES OR INTEREST, LOST DATA, OR LOSS OF GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY.

13.2 THE COMPANY'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU ACTUALLY PAID TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

13.3 These limitations apply regardless of the theory of liability and are an essential basis of the bargain. Some jurisdictions do not allow certain limitations, so portions may not apply to you.

14. Indemnification

14.1 You agree to defend, indemnify, and hold harmless the Company and its officers, members, employees, agents, and licensors from any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Platform or Outputs; (b) any tax, financial, billing, compensation, eligibility, or compliance decision you or your clients make; (c) your User Content; (d) your breach of these Terms or violation of law; and (e) for Advisor Users, any advice, report, or service you provide to your clients using the Platform.

15. Governing Law; Venue

15.1 These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-laws rules. Subject to Section 16, the exclusive venue for any permitted court proceeding is the state and federal courts in Charlotte, Mecklenburg County, North Carolina, and you consent to personal jurisdiction there.

16. Dispute Resolution; Binding Arbitration; Class Waiver

16.1 Informal resolution first. Before arbitration, you agree to contact legal@sidelinewealth.com and attempt in good faith to resolve the dispute for at least thirty (30) days.

16.2 Binding arbitration. Except as in Section 16.5, any dispute arising out of or relating to the Platform or these Terms will be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its applicable rules (Commercial Rules for Advisor Users and, where applicable, Consumer Rules for Athlete Users), before a single arbitrator seated in Charlotte, North Carolina, or conducted virtually. The Federal Arbitration Act governs this Section.

16.3 Class-action waiver. ALL DISPUTES WILL BE ARBITRATED ON AN INDIVIDUAL BASIS ONLY. YOU AND THE COMPANY WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.

16.4 Jury-trial waiver. TO THE EXTENT ANY DISPUTE PROCEEDS IN COURT, YOU AND THE COMPANY WAIVE ANY RIGHT TO A JURY TRIAL.

16.5 Exceptions. Either party may bring an individual claim in small-claims court and may seek injunctive or equitable relief in court to protect intellectual-property or confidentiality rights.

17. General

17.1 Changes to Terms. The Company may update these Terms by posting the revised version and updating the Effective Date; for material changes, the Company will provide reasonable notice. Continued use after the effective date constitutes acceptance.

17.2 Entire agreement; severability; waiver. These Terms (with incorporated policies) are the entire agreement and supersede prior agreements. If any provision is unenforceable, the remainder remains in effect. No waiver is effective unless in writing.

17.3 Assignment. You may not assign these Terms without the Company's consent; the Company may assign freely, including in a merger or sale.

17.4 Force majeure. The Company is not liable for delays or failures caused by events beyond its reasonable control.

17.5 Notices. Legal notices to the Company must be sent to legal@sidelinewealth.com. The Company may give notice by email or in-Platform.

17.6 Relationship. The parties are independent contractors; nothing creates a partnership, agency, or fiduciary relationship.