Terms of Service
Terms of Service
Effective date: 29 September 2026
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 operates this website and sells the Products described in these Terms ("PersonaOS", "we", "us"). "You" means the person purchasing or using the Services.
Contact: [email protected]
2. Definitions
- "Services" — the PersonaOS website, the Products, the Account system, and the Community, together.
- "Products" — the digital products we sell, currently: The AI Model Blueprint™ (an online course, currently 32 lessons across 11 modules, the "Course"). We may later offer a Persona Launch Kit, 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 at checkout.
- "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
- Your Account is created automatically when you first place an order at checkout, before your payment is processed, and your login details are sent to the email address you provide there. Keep that address accurate. Your Account gives you access to a Product only once your payment for it completes.
- One license, one user. Your Account is for you personally. Do not share credentials, and do not let anyone else use your Account.
- You are responsible for keeping your credentials secure and for all activity under your Account. Tell us immediately at [email protected] if you suspect unauthorized access.
- You must be at least 18 years old to create an Account or buy a Product.
4. License to the Materials
- 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.
- 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.
- All intellectual property in the Materials and the Services stays with PersonaOS. Buying a Product transfers no ownership of anything.
- 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.
- "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:
- scrape, bulk-download, or use automated tools to copy the Services or Materials;
- redistribute Materials or circumvent access controls;
- use the Services to harass anyone, break the law, or infringe anyone's rights;
- 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
- 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.
- We accept payment by card, processed by Stripe. Bitcoin payment, processed by our self-hosted BTCPay server, is not currently offered; it becomes an accepted method when it launches.
- Founding pricing for the Course works exactly like this: exactly five Founding Seats are available at US$497. A Founding Seat is claimed when payment for an order completes. Once five seats have been claimed, the Course price steps permanently to US$997. Orders we place ourselves to test our own checkout are not sales; where such an order has taken a Founding Seat, we release it before the Course goes on sale, so all five remain available to buyers.
- Orders already placed at US$497 are honored at that price.
- A refund of a founding order does not reopen a Founding Seat. The seat count only moves forward.
- 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 in Modules 0 to 6 and publishing 20 posts, verified from your portal 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
- 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.
- 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.
- 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.
- 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
- 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.
- 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.
- 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.
- You may close your Account at any time by emailing [email protected]. Closing your Account does not by itself trigger a refund; the Refund Policy governs refunds.
11. Consumer Rights, Governing Law, and Disputes
- 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.
- Governing law. These Terms are governed by the law of Singapore, subject to the carve-out above.
- 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.
- 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: [email protected].
Privacy Policy
Privacy Policy
Effective date: 11 October 2026
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
Contact for anything privacy-related: [email protected].
2. What We Collect
We collect exactly this:
- Email address
- Name
- Purchase history
- Course progress
- Checkpoint submissions (the work you submit to complete modules)
- The 60-day goal, 30-day plan date, content calendar and business numbers you enter in the portal
- Discord ID (if you join the community)
- If you comment on or message our Instagram: your Instagram username and account ID, what you wrote, the replies we send you, and whether you tap the link we send (recorded with a hashed IP address and your browser type), and, if your comment sends people to another account, a record that we hid it (which post and why, not what you wrote)
- Hashed IP access logs
- If you connect your own Claude to PersonaOS: which Claude app you connected, and when it last asked for your data
- How you found us, if you buy: the link, ad or campaign that brought you, the site that sent you, your landing page, and your browser and device type (from our order attribution cookies; see Section 8)
- Your email address and name if you type them at checkout and leave without paying (from when enrolment opens; see Section 3)
Two things we deliberately do not hold: your card details (card payments are processed by Stripe and never touch our servers) and any cross-site identifier (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 |
| Sending you what you asked for when you comment on or message our Instagram | Instagram username and account ID, your comment or message, the replies we send, link taps | Legitimate interests: you asked for it by commenting or messaging |
| Hiding comments on our posts that send people to another account (spam and scams) | The comment's ID, the post, which rule it broke | Legitimate interests: keeping our comments safe for the people reading them |
| 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 |
| Reminding you about an order you started but did not finish (from when enrolment opens) | Email, name, the order you started | Consent, given by entering your email at checkout; you can withdraw it at any time via the unsubscribe link in every reminder |
| Knowing which of our links and ads lead to sales | How you found us, purchase history | Legitimate interests |
| Your course guide in Claude, if you connect it | Name, course progress, checkpoint submissions and their review notes, your 60-day goal and 30-day plan date, your content calendar, and the numbers you enter in Your Numbers; and it adds the posts you approve to your content calendar, and sets its Day 1 if none is set | Consent: you choose to connect it, and you can disconnect it at any time from the Account tab in the portal |
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. From when enrolment opens, that includes the email field at checkout: if you leave without paying, we send up to four reminders over about a week, once, and they stop when you buy or unsubscribe. 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 | Not in use yet. Bitcoin payment is not currently offered; when it launches it will be self-hosted by us, so no third party receives your data through this rail |
| Brevo | Email delivery | Relays 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 |
| Meta (Instagram) | Social platform | Holds your Instagram account under Meta's own privacy policy. When you comment on or message our Instagram, our own software, on our own server, receives it from Meta and sends you our reply, and hides comments on our posts that send people to another account. |
| Vultr | Server hosting | Hosts our application and database |
| Cloudflare | CDN, DNS, and security | Sits in front of our site to serve and protect it |
| Anthropic | Your course guide in Claude | Only if you connect your own Claude account to PersonaOS. Claude then reads the course data listed in Section 3 when your guide needs it, and Anthropic handles it under your own agreement with Anthropic. Disconnect at any time from the Account tab. |
| Plausible | Analytics | Self-hosted on our own server, so no analytics data goes to a third party. Cookieless: it sets nothing on your device and keeps no cross-site identifier. It counts visits to our public pages only, never inside the member portal. |
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 the United States. If you are outside the United States (for example in the EU or the UK), 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.
6. How Long We Keep It
- Account data (email, name, purchase history and how you found us, course progress, checkpoint submissions, Discord ID): for the life of your account, plus 2 years after closure.
- An order you started but did not finish (your email, name and the order): until you ask us to delete it (see Section 7). Unsubscribing stops the reminders.
- Hashed IP access logs: 12 months.
- Your Instagram comment or message and our reply, or the record that we hid your comment: until you ask us to delete it (see Section 7).
- Your Claude connection (which app, and when it last asked for your data): until you disconnect it, or until it has gone unused for 30 days.
- 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 [email protected]. If you are unsatisfied with our response, you may complain to the Personal Data Protection Commission (PDPC) of Singapore.
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 [email protected]. You also have the right to complain to your local supervisory authority — in the UK, the Information Commissioner's Office (ICO).
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: [email protected].
We answer rights requests from any jurisdiction; the sections above describe the specific statutory frameworks. If you commented on or messaged our Instagram, include your Instagram username so we can find it.
8. Cookies and Analytics
We use Plausible for analytics, self-hosted on our own server and cookieless. It counts visits to our public pages (which page, the site that sent you, your country and device type) without setting cookies or storing your IP address, and it does not run inside the member portal. Apart from strictly necessary cookies, we use two sets of our own cookies. Order attribution cookies record which link or ad brought you to the site; if you buy, that is saved with your order. From when enrolment opens, a checkout reminder cookie also links an order you started to your browser, so the link in a reminder can bring it back. We show no cookie banner; you can block or delete these cookies and the site works the same. What each cookie holds is 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
Refund Policy
Refund Policy
Effective date: 29 September 2026
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 through Module 6. 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. If your account was created on an earlier date, for example because a first payment attempt did not go through, that earlier date does not count.
- "Guarantee Period" — the period of 30 calendar days beginning on your 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:
- The Guarantee Period has ended — at least 30 calendar days have elapsed since it began.
- Every lesson in Modules 0 to 6 is finished — your course-platform account records every lesson in Modules 0, 1, 2, 3, 3.5, 4, 5 and 6 as complete (bonus lessons excepted), and records a checkpoint submission for each of those modules' checkpoints. Modules 7 to 9 are not part of the Guarantee.
- 20 posts are published — at least 20 pieces of content have been published, and remain publicly visible, on your persona's social accounts.
- 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.
- 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:
- Lesson completion for Modules 0 to 6 is verified from your records in the course portal: the portal's lesson completion log for the lessons themselves, and your module checkpoint submissions as the supporting evidence trail. If a lesson is not marked complete in the portal, it is not complete for Guarantee purposes.
- 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.
- 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
- Email [email protected] from your account email address.
- Submit your claim no earlier than the day after your Guarantee Period ends and no later than 30 days after it ends.
- 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.
- 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.
- The Remediation Period runs for up to 30 calendar days from the first scheduled session.
- 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.
- If you gain a Paying Fan during the Remediation Period, the Guarantee is satisfied and no refund or Guarantee Payment is due.
- If the Remediation Period ends and you still have no Paying Fan, your claim succeeds and Section 8 applies.
- 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:
- A full refund of the Course purchase price you paid; and
- The Guarantee Payment of US$500.
Both are paid by the same payment rail as your original purchase: for card purchases, via Stripe. Bitcoin purchases are not currently offered; when that rail launches, both amounts will be paid in BTC to an address you provide, converted from the US-dollar figures at the exchange rate at the time the payment is processed.
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:
- Fraud — any evidence supporting the claim (portal completion and checkpoint records, post links, the no-Paying-Fan declaration, or dashboard corroboration) is fabricated, falsified, or materially misleading.
- 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.
- 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: 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.
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 — effective when the Launch Kit launches
The Persona Launch Kit is not currently offered. When it launches, it will carry a 14-day unconditional refund (email [email protected] within 14 days of purchase from your account email, no conditions, no questions), operating alongside the instant-access acknowledgment in Section 10. 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 — [email protected] — 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 records: the date your payment completed, login history, course progress, and checkpoint submissions.
14. Contact
Disclaimers
Disclaimers
Effective date: 20 September 2026
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.