DRAFT — for review by qualified counsel before publication. Not legal advice.

LAWYER-REVIEW (H5) — points that need counsel's judgment, not drafting fixes:

1. Section 10.3 now ends Guarantee eligibility on termination for material breach, mirroring the Refund Policy's exclusions. Confirm enforceability against non-waivable consumer-protection rights (this reverses the earlier draft, which preserved eligibility after removal for cause).
2. Section 9 carves the First Fan Guarantee™ remedy (refund plus US$500) out of the liability cap, because the US$500 exceeds "fees paid." Confirm the carve-out wording protects the cap for everything else.
3. Confirm trademark usage and registration strategy for the marks listed in Section 4.5 (currently unregistered "™" usage).

ASSUMPTION: All prices are denominated in US dollars; confirm display currency before publication. ASSUMPTION: The community strike policy is modeled as warning → temporary suspension → permanent removal (severe violations may skip steps). Align the step details with the ops SOP before publication; the canonical sentence in Section 10 is already identical to the SOP.

Terms of Service

Effective date: [OWNER-SLOT: effective date]

These Terms of Service ("Terms") are a contract between you and PersonaOS. Please read them before buying anything. If you do not agree to them, do not purchase or use the Services.

1. Who We Are

PersonaOS is operated by [OWNER-SLOT: legal entity name], a business established in Singapore ([OWNER-SLOT: registration number]), with its registered address at [OWNER-SLOT: registered address] ("PersonaOS", "we", "us"). "You" means the person purchasing or using the Services.

Contact: support@[OWNER-SLOT: domain]

2. Definitions

• "Services" — the PersonaOS website, the Products, the Account system, and the Community, together.
• "Products" — the digital products we sell, currently: the Persona Launch Kit (a US$47 digital product, the "Kit") and The AI Model Blueprint™ (an online course, currently 32 lessons across 11 modules, the "Course"). We may later offer an Inner Circle membership and an Agency Partner program; each will carry its own supplemental terms at launch.
• "Materials" — all content included in a Product: video, text, templates, checklists, prompts, images, and any AI-generated media.
• "Account" — the login we create for you when you buy a Product.
• "Community" — the paid-members-only Discord server.
• "Refund Policy" — the PersonaOS Refund Policy, incorporated into these Terms by reference.
• "Guarantee" — The First Fan Guarantee™, the conditions-based guarantee on the Course described in the Refund Policy.
• "Founding Seat" — one of the five seats in the Course sold at the founding price, as described in Section 6.

3. Accounts

1. Your Account is created automatically when your payment completes, and your login details are sent to the email address you provide at checkout. Keep that address accurate.
2. One license, one user. Your Account is for you personally. Do not share credentials, and do not let anyone else use your Account.
3. You are responsible for keeping your credentials secure and for all activity under your Account. Tell us immediately at support@[OWNER-SLOT: domain] if you suspect unauthorized access.
4. You must be at least 18 years old to create an Account or buy a Product.

4. License to the Materials

1. When you buy a Product, we grant you a personal, non-exclusive, non-transferable, revocable license to access and use its Materials for your own learning and your own business.
2. You may not resell, sublicense, share, publish, publicly post, or redistribute the Materials, in whole or in part, in any form — including reposting videos, sharing logins, or repackaging Materials into your own product.
3. All intellectual property in the Materials and the Services stays with PersonaOS. Buying a Product transfers no ownership of anything.
4. Templates and checklists included in the Materials may be used in your own persona business; that is what they are for. What you build with them is yours. The templates themselves remain ours.
5. "PersonaOS", "The AI Model Blueprint™", "The PERSONA+ Protocol™", and "The First Fan Guarantee™" are our trademarks. Buying a Product grants no license to use them.

5. Acceptable Use

You agree not to:

1. scrape, bulk-download, or use automated tools to copy the Services or Materials;
2. redistribute Materials or circumvent access controls;
3. use the Services to harass anyone, break the law, or infringe anyone's rights;
4. misuse the Community. The Community rules posted in the Discord server are incorporated into these Terms by reference and may be updated as the Community grows.

6. Purchases, Pricing, and Founding Seats

1. The price shown at checkout at the time you place your order is the price you pay. Prices are in US dollars unless stated otherwise.
2. We accept payment by card (processed by Stripe) and by Bitcoin (processed by our self-hosted BTCPay server).
3. Founding pricing for the Course works exactly like this: exactly five Founding Seats are available at US$497. A Founding Seat is claimed at the moment an order is placed. Once five seats have been claimed, the Course price steps permanently to US$997.
4. Orders already placed at US$497 are honored at that price.
5. A refund of a founding order does not reopen a Founding Seat. The seat count only moves forward.
6. You get access to your Product immediately after payment. See the Refund Policy for what immediate delivery means for statutory withdrawal rights in the EU and UK.

7. Guarantee and Refunds

The Course carries The First Fan Guarantee™: get your first paying fan within 30 days of enrollment or, subject to the conditions in the Refund Policy, receive a full refund plus US$500. The Guarantee is conditions-based: eligibility requires, among other things, completing every lesson and publishing 20 posts, verified from portal checkpoint records at claim time; a mandatory one-on-one remediation step precedes any payout; the Guarantee may be claimed once per customer. The complete and only authoritative statement of the Guarantee — its conditions, evidence, claim window, remediation step, remedy, and exclusions — is in the Refund Policy. The Refund Policy also covers the Kit's refund terms and, when launched, subscription cancellation terms. If anything in these Terms appears to differ from the Refund Policy on refunds, the Refund Policy governs.

8. Disclaimers

1. Educational content only. The Products teach skills and strategy. They are not legal, tax, financial, or investment advice, and nothing we publish is a promise of income or results. Outcomes depend on your effort, your market, and platform conditions we do not control.
2. Third-party platform dependency. The methods taught rely on third-party platforms (for example Fanvue, Discord, and social media platforms). Those platforms can change their rules, pricing, or availability at any time, and we do not control them. Your compliance with their terms is your responsibility.
3. AI-generated content. Our course spokesperson "Cole" is an openly disclosed AI persona appearing in course Materials. Materials and marketing may include AI-generated media, labeled as such. See our Disclaimers page for the full AI-disclosure statement and earnings disclaimer, both incorporated by reference.
4. To the extent permitted by law, the Services are provided "as is" without warranties beyond those that cannot be excluded.

9. Limitation of Liability

To the maximum extent permitted by applicable law, our total liability to you for all claims arising out of or relating to the Services is capped at the total fees you paid us for the product or service giving rise to the claim. We are not liable for indirect, incidental, or consequential losses, including lost profits or lost data. Nothing in this section limits liability that cannot be limited by law — including your non-waivable rights under Section 11 — and nothing in this section limits our obligation to pay the remedy stated in the Refund Policy for a successful claim under The First Fan Guarantee™ (a full refund plus US$500).

10. Termination

1. We may suspend or terminate your Account for material breach of these Terms — including credential sharing, redistribution of Materials, or chargeback abuse — with notice stating the reason.
2. Community conduct is handled under a strike policy: a first violation of the Community rules draws a written warning; a further violation draws a temporary suspension from the Community; continued or severe violations (harassment, doxxing, illegal content) result in permanent removal, and severe violations may skip earlier steps.
3. Termination of your Account for material breach of these Terms ends your eligibility under the Guarantee, as stated in the Refund Policy's exclusions. Statutory rights that cannot be excluded by contract are unaffected.
4. You may close your Account at any time by emailing support@[OWNER-SLOT: domain]. Closing your Account does not by itself trigger a refund; the Refund Policy governs refunds.

11. Consumer Rights, Governing Law, and Disputes

1. Consumer-protection carve-out. If you are a consumer in the EU, the UK, the US, or another jurisdiction whose law grants you rights that cannot be waived by contract, nothing in these Terms reduces those rights. Where these Terms conflict with a non-waivable local consumer right, the local right prevails for you.
2. Governing law. These Terms are governed by the law of Singapore, subject to the carve-out above.
3. Disputes. If we have a dispute, we both agree to try first to resolve it by good-faith negotiation: either party emails the other a written description of the dispute, and we talk for at least 30 days before escalating. If negotiation fails, the dispute will be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the SIAC Rules in force when the arbitration commences, seated in Singapore, in English, before one arbitrator. [VERIFY: current SIAC official naming and model clause wording.]
4. Small-claims carve-out. Either party may instead bring an individual claim in a small-claims court (or local equivalent) with jurisdiction, if the claim qualifies there.

12. Changes to These Terms

We may update these Terms. If a change is material, we will email Account holders at least 14 days before it takes effect. Continued use of the Services after the effective date means you accept the updated Terms. The version in force when you placed an order governs that order.

13. Contact

Questions about these Terms: support@[OWNER-SLOT: domain], or by post to [OWNER-SLOT: registered address].

DRAFT — for review by qualified counsel before publication. Not legal advice.

LAWYER-REVIEW (H5) — points that need counsel's judgment, not drafting fixes:

1. International transfers (Section 5). The policy relies on the transfer mechanisms in our processors' data processing agreements plus contractual necessity, for a Singapore-based controller. Confirm current EU/UK adequacy status for Singapore and the appropriate mechanism — see the [VERIFY] tag in Section 5.
2. Singapore PDPA (Section 7). Confirm the current PDPC complaint route and any prescribed response timelines — see the [VERIFY] tag.
3. GDPR / UK GDPR (Section 7). Confirm the statutory response deadline (currently understood as one month) and current supervisory-authority naming — see the [VERIFY] tag.
4. CCPA/CPRA (Section 7). Confirm current applicability thresholds; a business of this size may fall below them, and the section honors the rights regardless — confirm that voluntary-compliance framing — see the [VERIFY] tag.

Privacy Policy

Effective date: [OWNER-SLOT: effective date]

This policy explains what personal data PersonaOS collects, why, who processes it, how long we keep it, and what rights you have. We keep it short on purpose.

1. Who Is Responsible

The data controller is [OWNER-SLOT: legal entity name] ([OWNER-SLOT: registration number]), [OWNER-SLOT: registered address], Singapore, operating as PersonaOS.

Contact for anything privacy-related: support@[OWNER-SLOT: domain], or by post to [OWNER-SLOT: postal address].

2. What We Collect

We collect exactly this:

• Email address
• Name
• Purchase history
• Course progress
• Checkpoint submissions (the work you submit to complete modules)
• Discord ID (if you join the community)
• Hashed IP access logs

Two things we deliberately do not hold: your card details (card payments are processed by Stripe and never touch our servers) and analytics cookies or cross-site identifiers (see Section 8).

3. Why We Collect It, and on What Legal Basis

Purpose	Data used	Legal basis
Creating your account, delivering products, processing guarantee claims and refunds	Email, name, purchase history, course progress, checkpoint submissions	Performance of a contract
Community access and moderation	Discord ID, purchase history	Performance of a contract
Security, fraud prevention, and defending payment disputes with access and progress evidence	Hashed IP access logs, course progress, purchase history	Legitimate interests
Sending you marketing email	Email, name	Consent — you can withdraw it at any time via the unsubscribe link in every marketing email

Our email list is single opt-in: entering your email on our site signs you up directly, and every marketing email carries a working unsubscribe link. Transactional email (receipts, login details, guarantee correspondence) is sent under contract performance, not consent.

4. Who Processes Your Data

Service	Role	Notes
Stripe	Card payment processing	Stripe receives your payment details directly; we never see or store card numbers
BTCPay	Bitcoin payment processing	Self-hosted by us — no third party receives your data through this rail
Amazon SES	Email delivery	Sends our transactional and marketing email
Bunny.net	Video hosting and delivery	Streams course videos to you
Discord	Community platform	Holds your Discord account under Discord's own privacy policy; we store only your Discord ID
Vultr	Server hosting	Hosts our application and database
Cloudflare	CDN, DNS, and security	Sits in front of our site to serve and protect it
Plausible	Analytics	Self-hosted by us and cookieless — no analytics cookies are set, and no analytics data leaves our infrastructure

We do not sell personal data, and we do not share it with anyone beyond this table except where the law requires.

5. International Transfers

Our servers are hosted in Singapore and the Southeast Asia region. If you are outside that region (for example in the EU, UK, or US), your data is transferred there to deliver the service. Where the law of your jurisdiction requires safeguards for such transfers (for example EU standard contractual clauses), we rely on the transfer mechanisms offered in our processors' data processing agreements and on the necessity of the transfer to perform our contract with you. [VERIFY: current EU/UK adequacy status for Singapore and the appropriate transfer mechanism for a Singapore-based controller.]

6. How Long We Keep It

• Account data (email, name, purchase history, course progress, checkpoint submissions, Discord ID): for the life of your account, plus 2 years after closure.
• Hashed IP access logs: 12 months.
• Payment-dispute and guarantee-claim evidence: as long as required to resolve the dispute and meet legal and accounting obligations.

7. Your Rights

Singapore (PDPA)

You have the right to ask for access to your personal data, to have it corrected, and to withdraw consent to its use (subject to legal and contractual limits). Send requests to support@[OWNER-SLOT: domain]. If you are unsatisfied with our response, you may complain to the Personal Data Protection Commission (PDPC) of Singapore. [VERIFY: current PDPC complaint route and any prescribed response timelines under the PDPA.]

EU and UK (GDPR / UK GDPR)

If you are in the EU or UK, you have the right to: access your data; have it rectified; have it erased; restrict or object to processing; receive a portable copy of data you provided; and withdraw consent at any time without affecting prior processing. To exercise any of these, email support@[OWNER-SLOT: domain]. You also have the right to complain to your local supervisory authority — in the UK, the Information Commissioner's Office (ICO). [VERIFY: statutory response deadline (currently understood as one month) and current supervisory-authority naming.]

California (CCPA/CPRA note)

If you are a California resident, you have rights to know what personal information we hold, to request its deletion and correction, and not to be discriminated against for exercising those rights. We do not sell or share personal information as those terms are defined in California law, so there is nothing to opt out of. Requests: support@[OWNER-SLOT: domain]. [VERIFY: current CCPA/CPRA applicability thresholds — a business of this size may fall below them, but the rights are honored regardless.]

We answer rights requests from any jurisdiction; the sections above describe the specific statutory frameworks.

8. Cookies and Analytics

Our analytics (Plausible, self-hosted) is cookieless: no analytics cookies are set. We use strictly necessary cookies only. Details are in our Cookie Notice.

9. Age

Our products are for adults. You must be 18 or older to buy or hold an account. We do not knowingly collect personal data from anyone under 18; if we learn we have, we delete it.

10. Changes to This Policy

If we change this policy materially, we will email account holders before the change takes effect and update the effective date above.

11. Contact

support@[OWNER-SLOT: domain] · [OWNER-SLOT: postal address]

DRAFT — for review by qualified counsel before publication. Not legal advice.

LAWYER-REVIEW (H5) — points that need counsel's judgment, not drafting fixes:

1. Claim-filing window. The advertised guarantee copy fixes the 30-day performance window but no claim-filing deadline. Section 6 sets the filing window at days 31–60 from the Enrollment Date. Confirm or reset this business term with the owner.
2. Remediation bound. The advertised copy says the owner works with the customer "until you get one," which is unbounded; Section 7 bounds the Remediation Period at 30 days with participation duties. Confirm that this bounded encoding is consistent with the advertised copy under FTC advertising-substantiation rules and analogous consumer-advertising law, or that the advertised copy should be footnoted to this Policy.
3. Remediation as a refund precondition. Confirm that requiring the one-on-one remediation step before any payout is enforceable against non-waivable consumer rights in the EU, UK, US states, and other target jurisdictions.
4. The US$500 Guarantee Payment. Confirm its legal characterization (contractual remedy vs promotional inducement), any tax or information-reporting duty on payouts, and whether paying money on top of a refund triggers prize, promotion, or gaming rules anywhere we sell.
5. Exclusions. Confirm the enforceability of the Section 9 exclusions (fraud, chargebacks, Terms-of-Service breach) against statutory refund and withdrawal rights, and confirm the corresponding Terms of Service Section 10.3.
6. EU/UK withdrawal formalities and BTC denomination — see the [VERIFY] tag in Section 10 and the ASSUMPTION below.

ASSUMPTION: Refunds and the US$500 Guarantee Payment are returned by the original payment rail; for Bitcoin purchases, both amounts are the US-dollar figures converted to BTC at the exchange rate at the time the payment is processed. Confirm this denomination choice before publication.

Refund Policy

Effective date: [OWNER-SLOT: effective date]

This policy is the single authoritative statement of our refund terms. The Terms of Service incorporate it by reference. Where any marketing summary of the Guarantee differs from this Policy, this Policy governs.

1. The First Fan Guarantee™ (The AI Model Blueprint™ course)

"Do the work. Finish every lesson. Publish your 20 posts. Still no paying fan after 30 days? Then I work with you one on one until you get one. If that still fails, you get a full refund plus $500. You build a business that pays you, or you walk away paid."

In one line: "Get your first paying fan in 30 days. Or get your money back, plus $500."

The sections below give each term of that promise a precise, testable meaning — so you can check your own eligibility before you ever email us.

2. Definitions

• "Course" — The AI Model Blueprint™, an online course currently comprising 32 lessons across 11 modules.
• "Enrollment Date" — the date (UTC) on which your Course payment completes and your account is created.
• "Guarantee Period" — the period of 30 calendar days beginning on the Enrollment Date.
• "Paying Fan" — any person who has made a payment of any amount to you through your persona's monetization page (for example a Fanvue page), whether by subscription, tip, pay-per-view purchase, or otherwise.
• "Guarantee Payment" — the payment of US$500 described in Section 8.
• "Remediation Period" — the period described in Section 7.

3. Eligibility Conditions

A Guarantee claim is eligible only if all of the following are true on the date you submit it:

1. The Guarantee Period has ended — at least 30 calendar days have elapsed since your Enrollment Date.
2. Every lesson is finished — your course-platform account records a completed checkpoint submission for every one of the Course's 32 lessons.
3. 20 posts are published — at least 20 pieces of content have been published, and remain publicly visible, on your persona's social accounts.
4. You have no Paying Fan — from your Enrollment Date through the date of your claim, no Paying Fan has made any payment to you, and you declare this in writing as part of your claim.
5. This is your first claim — you have not previously submitted a Guarantee claim (see Section 5).

4. Evidence — Verified at Claim Time

Eligibility is verified from evidence, not assertion, at the time you claim:

1. Lesson completion is verified from your checkpoint submissions recorded in the course portal. The portal record is the evidence trail; if a checkpoint is missing there, the lesson is not complete for Guarantee purposes.
2. The 20 published posts are verified from links you submit with your claim, one link per post, each resolving to publicly visible content on your persona's accounts.
3. The no-Paying-Fan condition is verified from your signed written declaration; we may ask you to show your monetization-page dashboard to corroborate it.

We will confirm whether your claim is eligible within 5 business days of receiving a complete claim.

5. One Claim Per Customer

The First Fan Guarantee™ may be claimed once per customer. This limit applies across all accounts, orders, personas, and email addresses belonging to or controlled by the same person.

6. How and When to Claim

1. Email support@[OWNER-SLOT: domain] from your account email address.
2. Submit your claim no earlier than the day after your Guarantee Period ends and no later than 60 days after your Enrollment Date.
3. Include: (a) links to your 20 published posts; and (b) your written declaration that you have had no Paying Fan from your Enrollment Date through the date of the claim.

Claims submitted outside the window in item 2, or missing the items in item 3, are not eligible; we will tell you what is missing, and you may resubmit within the window.

7. Mandatory Remediation — the One-on-One Step

Remediation is a condition of the remedy. No refund or Guarantee Payment is made unless remediation has run and failed.

1. If your claim is confirmed eligible, the founder will personally work with you one on one to get you your first Paying Fan. The first session will be scheduled within 7 days of confirmation.
2. The Remediation Period runs for up to 30 calendar days from the first scheduled session.
3. During the Remediation Period you must take part in good faith: attend the scheduled sessions, carry out the actions agreed in them, and keep your persona, social accounts, and monetization page live and active.
4. If you gain a Paying Fan during the Remediation Period, the Guarantee is satisfied and no refund or Guarantee Payment is due.
5. If the Remediation Period ends and you still have no Paying Fan, your claim succeeds and Section 8 applies.
6. If you decline to take part in remediation, fail to attend scheduled sessions, or stop taking part, the claim lapses. A lapsed claim may be resubmitted only within the filing window in Section 6.

8. The Remedy: Full Refund Plus US$500

When a claim succeeds under Section 7.5, you receive both of the following, issued together within 14 days of the end of the Remediation Period:

1. A full refund of the Course purchase price you paid; and
2. The Guarantee Payment of US$500.

Both are paid by the same payment rail as your original purchase: for card purchases, via Stripe; for Bitcoin purchases, in BTC to an address you provide, in the amounts described in the ASSUMPTION note above.

A refunded founding-price order does not reopen a Founding Seat; founding pricing is described in the Terms of Service.

9. Exclusions

A Guarantee claim is invalid, and any pending claim is closed, if any of the following applies:

1. Fraud — any evidence supporting the claim (checkpoint submissions, post links, the no-Paying-Fan declaration, or dashboard corroboration) is fabricated, falsified, or materially misleading.
2. Chargeback — you initiate a chargeback or payment dispute on the purchase. The matter is then handled as a payment dispute under Section 13, not as a Guarantee claim.
3. Terms-of-Service breach — your account has been terminated, or is subject to termination, for material breach of the Terms of Service (for example credential sharing or redistribution of course materials).

These exclusions limit the contractual Guarantee only. They do not limit any statutory right you have that cannot be excluded by contract (see Section 10).

10. Instant Access and EU/UK Withdrawal Rights

All our products are digital and delivered instantly: your account is created and access begins the moment payment completes.

If you are a consumer in the EU or UK, you normally have a statutory 14-day right to withdraw from an online purchase. For digital content, that right lapses once delivery begins with your consent. At checkout you give express consent to immediate delivery and acknowledge that you thereby lose the statutory 14-day withdrawal right for the delivered digital content. [VERIFY: current EU (Directive 2011/83/EU, Art. 16(m)) and UK (Consumer Contracts Regulations 2013, reg. 37) wording and consent/acknowledgment formalities for digital content.]

The First Fan Guarantee™ stands regardless. It is a contractual promise we make on top of — never instead of — any statutory right you keep.

11. Persona Launch Kit (US$47)

The Kit carries a 14-day unconditional refund: email support@[OWNER-SLOT: domain] within 14 days of purchase from your account email, no conditions, no questions. The instant-access acknowledgment in Section 10 applies to the Kit as well; this 14-day term is our contractual promise and operates alongside it. The First Fan Guarantee™ applies to the Course only, not to the Kit.

12. Inner Circle Subscription — effective when Inner Circle launches

The following terms take effect only when the Inner Circle membership launches:

• Cancel anytime, effective at the end of the current billing period.
• No refunds on elapsed months.
• Access ends when the paid period ends.

13. Chargebacks

If something went wrong, contact support first — support@[OWNER-SLOT: domain] — before disputing a charge with your bank. The Guarantee process in this Policy can end in a full refund plus US$500; a chargeback can only ever return the purchase price, and filing one closes any Guarantee claim (Section 9.2). Payment disputes filed without contacting us are answered with our access records: account creation, login history, course progress, and checkpoint submissions.

14. Contact

support@[OWNER-SLOT: domain]

DRAFT — for review by qualified counsel before publication. Not legal advice.

LAWYER-REVIEW (H5) — points that need counsel's judgment, not drafting fixes:

1. FTC Endorsement Guides and earnings-claim compliance: confirm that the "real but not typical" framing, the treatment of testimonials and aggregate student statistics, and the site's live earnings counter satisfy current clear-and-conspicuous placement requirements (the disclaimer may need to sit adjacent to each earnings claim, not only in the footer and on this page).
2. Confirm whether any testimonial shown was compensated or incentivized in any way; if so, a material-connection disclosure must be added next to it.

Disclaimers

Effective date: [OWNER-SLOT: effective date]

Four disclaimers, each self-contained so the site can render them separately.

1. Earnings Disclaimer

PersonaOS products are education only. We do not promise, guarantee, or imply that you will earn any money — any amount, in any timeframe — by buying or completing our products.

The earnings figures shown in our materials and marketing — including the owner's dashboard figures and any live earnings counter on our site — come from the owner's own accounts. They are real, but they are not typical. Most people who buy a course make little or no money.

Student screenshots, testimonials, and case studies are likewise real but not typical: they are individual outcomes, shown as examples of what specific people did in specific conditions, not a projection of what you will earn. Where we display aggregate student statistics (for example member counts or verified wins), those figures are drawn from real member data and equally do not represent typical results.

Your results depend on your work — your effort, your market, the platforms you publish on and their rules, and factors nobody controls. Many buyers complete nothing and earn nothing.

The First Fan Guarantee™ is a refund remedy on the course, subject to the conditions in our Refund Policy. It is not a promise, prediction, or guarantee of income.

Nothing we publish is financial advice, investment advice, or a business projection. Treat every number you see from us as a data point about someone else, not a forecast about you.

2. AI-Disclosure Statement

• "Cole", the PersonaOS course spokesperson, is an AI-generated persona appearing in course materials and is openly disclosed as such wherever he appears.
• The demo personas used to teach in our course (for example "Kaia Ren") are AI-generated and labeled as AI-generated. They are teaching examples only; no earnings are attributed to them.
• Course materials and marketing may include AI-generated media (images, video, voice, and text), labeled as such.
• The course teaches students to do the same: personas you build with our methods should be labeled as AI, and our curriculum treats that disclosure as a requirement of the method, not an optional extra.

3. Education, Not Advice

The course tagline for this topic: "Education, not advice. For entities and taxes, a licensed professional beats a persona — here's the checklist of questions to bring them." In formal terms:

Our content teaches skills and strategy. It is not legal, tax, accounting, financial, or investment advice, and no PersonaOS material creates a professional-client relationship. Before making entity, tax, or financial decisions, engage a licensed professional in your jurisdiction — and bring them our Entity & Tax Checklist, which exists precisely to make that conversation shorter and cheaper.

4. Third-Party Platforms

PersonaOS is not affiliated with, endorsed by, or sponsored by Fanvue, Meta, TikTok, X, Google, Discord, or any other platform named in our materials. All platform names and trademarks belong to their owners.

Third-party platforms change their rules, features, pricing, and availability whenever they choose, and nothing we teach can prevent that. A strategy that works on a platform today may be restricted tomorrow.

Compliance with each platform's terms of service is your responsibility as a student. Our course teaches methods intended to operate within platform rules as we understand them at time of publication, but the platforms — not we — decide what their rules mean, and you must read and follow the current terms of every platform you use.

DRAFT — for review by qualified counsel before publication. Not legal advice.

LAWYER-REVIEW (H5) — points that need counsel's judgment, not drafting fixes:

1. The no-banner position. This notice runs no cookie-consent banner, relying on the strictly-necessary exemption under EU ePrivacy guidance. Confirm that position before publication — see the [VERIFY] tag in "Cookies We Do Use".
2. Stripe checkout cookies. Confirm that Stripe's fraud-prevention cookies on checkout pages remain within the strictly-necessary exemption rather than requiring consent — see the [VERIFY] tag on the payment-processor bullet.

Cookie Notice

Effective date: [OWNER-SLOT: effective date]

The Short Version

We do not use analytics cookies, advertising cookies, or any third-party tracking cookies. Our analytics tool (Plausible) is self-hosted and cookieless — it sets nothing on your device and collects no cross-site identifiers.

Cookies We Do Use

Strictly necessary cookies only:

• Session and login cookies — keep you signed in to your account.
• Cart cookies — remember what you are buying between pages.
• Payment-processor cookies at checkout — our card checkout is powered by Stripe, and Stripe may set cookies on checkout pages for payment processing and fraud prevention. [VERIFY: current Stripe cookie behavior on hosted/embedded checkout, and current EU ePrivacy guidance on whether processor fraud-prevention cookies remain within the strictly-necessary exemption.]

Because we set no analytics or advertising cookies, no cookie-consent banner is required for analytics under current EU ePrivacy guidance; strictly necessary cookies are exempt from consent. [VERIFY: current ePrivacy guidance on the strictly-necessary exemption before relying on the no-banner position.]

How to Clear Cookies

Every browser lets you view and delete cookies in its settings — usually under Privacy, or Privacy and Security (look for "Cookies and site data"). Deleting our cookies signs you out and empties your cart; nothing else is lost, since we track nothing else. Blocking strictly necessary cookies entirely will prevent login and checkout from working.

Questions

support@[OWNER-SLOT: domain]