Client Enrollment Agreement

The No More Mortgage™ Program

Effective upon acceptance · Version 1.1

This Client Enrollment Agreement (the “Agreement”) is entered into between you (the “Client,” “you,” or “your”) and Unconventional Education LLC, an Arizona limited liability company doing business as No More Mortgage (“No More Mortgage,” “we,” “us,” or “our”), located at 15835 E. Mustang Dr., Fountain Hills, AZ 85268. By signing below or by clicking to accept, you agree to the terms of this Agreement and to our Terms of Service, Privacy Policy, and Disclosures, which are incorporated by reference.

1. What No More Mortgage Is — and Is Not

No More Mortgage is a financial-education business. The No More Mortgage™ Program (the “Program”) teaches a proprietary cash-flow methodology designed to help homeowners pay down mortgage and consumer debt ahead of schedule using their own positive cash flow.

Everything we provide — the training, the Freedom Playbook, calculators, coaching calls, the Design Meeting, the Freedom Blueprint, and all other materials — is provided for general educational and informational purposes only. It is not financial, investment, legal, tax, or accounting advice; it is not individualized to your circumstances; it is not a recommendation to buy, sell, or hold any product or to enter into any transaction; and it is not an offer to extend credit or to originate any loan.

Using the Program does not create an advisory, fiduciary, brokerage, or other professional relationship between you and No More Mortgage or Gregg Knight. You should consult your own qualified professionals — such as a licensed financial advisor, accountant, tax professional, or attorney — before making any financial decision.

2. What the Program Includes

Your enrollment in the Program includes the following, delivered over a twelve (12) month period:

• Welcome Video — delivered the moment you enroll
• Freedom Playbook — digital, plus printed and bound
• NMM Training — 11 modules (approximately 106 minutes)
• Freedom Builder — structured intake tool
• Design Meeting — one (1) private one-on-one session with Gregg Knight
• Freedom Blueprint — your personalized plan, built with you at the Design Meeting
• Intentional Household — the household cash-flow leak catalog
• Twelve (12) monthly coaching calls
• Four (4) quarterly accountability check-ins

All sessions are conducted virtually (by Zoom). The training, Design Meeting, and coaching teach you how to execute the Method; you are responsible for carrying out the steps in your own household.

3. Investment and Payment

The investment for the Program is $4,997, payable in full at enrollment. If you prefer, a two-payment option is available at two payments of $2,549 each.

3.1 Two-payment option

If you choose the two-payment option, the first payment of $2,549 is collected at enrollment. The second payment of $2,549 becomes due at the earlier of (a) thirty (30) days after the first payment, or (b) the time you request to schedule your Design Meeting.

3.2 Design Meeting payment gate

All payments are processed through our third-party payment processor. You are responsible for any payment made under this Agreement, subject only to the refund terms in Section 4. You agree not to initiate a chargeback or payment dispute for amounts properly due under this Agreement without first contacting us to resolve the matter.

4. Net Tangible Benefit Guarantee and Refund Policy

We stand behind the Program with the Net Tangible Benefit Guarantee, which has three parts:

4.1 Seven-day reconsideration (before your Design Meeting)

Within seven (7) days after you enroll, and provided your Design Meeting has not yet taken place, you may request a full refund for any reason. We will refund every dollar you have paid. No explanation is required.

4.2 Math-tied refund (at your Design Meeting)

At your Design Meeting, we build your Freedom Blueprint with you. If that Blueprint does not project mortgage interest kept that is greater than the amount you have paid for the Program, you may request a full refund within fourteen (14) days of the Design Meeting, and we will refund every dollar you have paid.

4.3 After the Blueprint is delivered

Once your Freedom Blueprint has been built with you and it projects mortgage interest kept greater than what you paid, the Program has delivered the tangible benefit it promises. From that point forward, the Program fee is non-refundable. Your results depend on whether and how you choose to execute the Method in your own household, which is within your control and not ours.

4.4 Effect of a refund

A refund returns your money; it does not transfer our intellectual property to you. If you receive a refund under Section 4.1 or 4.2:

• The license granted to you under Section 7 terminates immediately, and you agree to stop all use of the Program and its materials.
• You agree to permanently delete all digital copies of the Program materials in your possession or control — including the Freedom Playbook and any downloads, screenshots, or notes reproducing the materials — and, upon our request, to confirm in writing that you have done so.
• Your obligations under Sections 4.4, 5, 7, 8, 9, 10, and 11 survive the refund and remain fully enforceable.

5. No Guarantee of Specific Results

Any numbers, examples, timelines, projections, or outcomes we describe — including any figure produced by a calculator or shown in your Freedom Blueprint — are illustrative estimates based on the inputs and assumptions used. They are not a promise or guarantee of any particular financial result. Your actual results depend on your specific circumstances, the choices you make, and factors outside our control. The math-tied guarantee in Section 4.2 is a refund commitment tied to the Blueprint projection; it is not a guarantee that any projected result will occur.

6. Client Responsibilities and Eligibility

• You confirm you are at least 18 years old and are enrolling for yourself.
• You agree to provide accurate, complete information when using the Program’s tools and during coaching. We are not responsible for results that stem from inaccurate or incomplete information you provide.
• You are responsible for your own financial decisions and for executing the Method in your household.
• You understand the Program does not present a fixed timeline; each household’s situation is different.

7. Intellectual Property

The Program and all of its materials — including the No More Mortgage name and wordmark, the NoMoreMortgage Method™, the Freedom Playbook, the Freedom Builder, the Freedom Blueprint, training videos, calculators, and written materials — are owned by Unconventional Education LLC or its licensors and are protected by intellectual-property laws. The Method’s mechanics, sequencing, and implementation instructions — as expressed in the Freedom Playbook, the training, the Design Meeting, and the Freedom Blueprint — constitute confidential, proprietary information and trade secrets of Unconventional Education LLC.

Your enrollment grants you a personal, non-transferable, non-exclusive license to use the materials for your own personal, non-commercial use. You may not reproduce, distribute, resell, share login access to, or create derivative works from the materials, and you may not teach, publish, post, or otherwise disclose the Method or its materials to any third party — whether or not for compensation — without our prior written permission.

If you materially violate this Section 7 or Section 8.2, we may suspend or terminate your access to the Program without refund, in addition to every other remedy available to us under Section 10 or at law.

8. Confidentiality

8.1 Our obligations to you

We hold the personal and financial information you share with us in confidence and use it only to deliver the Program and as described in our Privacy Policy. As noted above, we do not ask for, pull, or store credit-bureau information, and we do not determine approval for any financial product.

8.2 Your obligations to us

You agree to hold the Program’s proprietary materials — including the Freedom Playbook, the training content, the Freedom Builder, your Freedom Blueprint’s methodology, and the Method’s mechanics — in confidence, to use them solely for your own personal purposes under the license in Section 7, and not to disclose, share, publish, or make them available to any third party. These obligations do not apply to information that is or becomes publicly available through no breach of this Agreement by you. Your obligations under this Section 8.2 survive any termination of this Agreement, expiration of the Program term, or refund.

9. Disclaimer of Warranties and Limitation of Liability

The Program and its materials are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent permitted by law, No More Mortgage and Unconventional Education LLC — and their members, officers, and agents — will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from your use of, or reliance on, the Program or its materials. To the fullest extent permitted by law, our total liability under this Agreement will not exceed the amount you actually paid for the Program. This limitation does not limit the remedies available to us for your breach of Section 7 or Section 8.2.

You agree to indemnify and hold harmless Unconventional Education LLC and its members, officers, and agents from any claims arising out of your misuse of the Program or violation of this Agreement.

10. Governing Law, Disputes, and Remedies

This Agreement is governed by the laws of the State of Arizona, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to this Agreement will be brought exclusively in the state or federal courts located in Arizona, and you consent to the jurisdiction of those courts.

10.1 Injunctive relief

You acknowledge that any breach of Section 7 or Section 8.2 would cause Unconventional Education LLC irreparable harm for which money damages alone would be inadequate. In the event of such a breach or threatened breach, we are entitled to seek injunctive and other equitable relief, without posting bond, in addition to every other remedy available at law or in equity.

10.2 Attorney’s fees

In any action to enforce this Agreement, the prevailing party is entitled to recover its reasonable attorney’s fees and costs from the other party.

11. General

This Agreement, together with the Terms of Service, Privacy Policy, and Disclosures, is the entire agreement between you and No More Mortgage regarding the Program and supersedes any prior understanding. If any provision is found unenforceable, the remaining provisions stay in effect. Our failure to enforce any provision is not a waiver of it. We may update the Program’s materials and supporting documents from time to time; the core terms of your enrollment (price paid, inclusions, and guarantee) are those in effect when you enrolled.

Survival. Sections 4.4, 5, 7, 8, 9, 10, and this Section 11 survive the termination or expiration of this Agreement, the end of the Program term, and any refund issued under Section 4.

Acceptance