Terra Firma Summit Membership:
Terms and Conditions

Program Terms and Conditions

Terra Firma Summit

PROGRAM TERMS & CONDITIONS

Terra Firma Summit

SEPTEMBER 2026 • V1.0

IMPORTANT These Terms contain an initial 30-day evaluation period, a 12-month commitment if the Member continues.

These Summit Terms & Conditions (“Terms”) govern participation in the Summit program (“Program”) offered by The Free Founder LLC, a Texas limited liability company (“Company,” “we,” “us,” or “our”). “Terra Firma,” “Summit,” and “Summit by Terra Firma” are Program brand names and do not identify a separate contracting entity.

By enrolling, submitting payment, electronically accepting these Terms, or participating in the Program, you (“Member,” “you,” or “your”) agree to these Terms. If enrollment includes a spouse or other authorized participant, each participant is individually bound by provisions that by their nature apply to individuals, including confidentiality, community conduct, intellectual property, non-disparagement, and recordings. The person accepting these Terms remains responsible for payment unless the Enrollment Summary states otherwise.

“Enrollment Summary” means the Member-specific document, order form, or checkout record stating the start date, fee, covered services, covered entity, tax year, and other enrollment details. “Term” means the period beginning on the enrollment date and continuing until participation ends under these Terms.

1. The Summit Program

Summit is a coaching, training, implementation, professional-services coordination, and community program designed to help doctors and aligned business owners organize their financial lives, implement appropriate tax and business structures, and make thoughtful wealth-building decisions.

Depending upon the Program offering and current curriculum, Program services may include:

• Online learning, training materials, tools, templates, and portal access;
• Group coaching, implementation sessions, live trainings, and community access;
• A private kickoff and access to an assigned Summit Coach as described below;
• Entity-formation coordination for one Covered Entity;
• Simple, year-end bookkeeping for one Covered Entity;
• Preparation and filing of specified personal and Covered Entity tax returns;
• Educational access to proprietary or curated strategies and potential investment opportunities; 
• Membership to the National Association of Advancing Business Organizations (NAABO: https://naabo.info); and
• Other resources or services identified in the Enrollment Summary.

Specific components, schedules, personnel, platforms, events, and delivery methods may evolve. We may make reasonable substitutions that preserve the Program’s overall purpose and value.

2. The Summit Promise

Our relationship is also guided by the separate Summit Promise, which describes the standards we expect of ourselves and Members. The Promise is cultural and operational. If it conflicts with these Terms on a legal or financial matter, these Terms control.

3. Assigned Coach and One-to-One Access

We will assign a Summit Coach to serve as the Member’s primary Program guide. The Program includes a private kickoff and reasonable access to one-to-one coaching sessions for Summit-related implementation questions, scheduled in advance through the designated process.

One-to-one access is not unlimited, on-demand, emergency, legal, tax, securities, or investment-advisory service. Session cadence, format, duration, rescheduling rules, and coach identity may be stated in the Enrollment Summary or Program portal. We may reassign a coach or use another qualified team member when reasonably necessary.

4. Membership Fee

The current membership fee is $2,500 per month unless a different amount is specifically stated in the Enrollment Summary. Member authorizes the Company and its payment processors to charge the payment method on file according to the stated billing schedule and is responsible for keeping payment information current.

Government filing fees, state fees, registered-agent fees, legal fees, tax liabilities, investment amounts, custodial fees, fund expenses, out-of-scope professional work, and third-party costs are not included unless expressly stated in writing.

5. Initial Membership Term — 30-Day Evaluation, Then 12 Months

Membership begins with an initial 30-day evaluation period, followed by a 12-month commitment. During the evaluation period, Member may cancel by written notice at any time before 11:59 p.m. Central Time on the 30th calendar day following the enrollment date.

If timely notice is provided, membership ends at the conclusion of the 30-day evaluation period and no Program fees accruing after that date will be due. If Member does not timely cancel, Member commits to the following 12 months of membership. This creates a total initial relationship of approximately 13 months for a Member who continues after the evaluation period.

6. Renewal

After completion of the initial membership term, membership automatically renews for successive 12-month periods unless either party gives written notice of non-renewal at least 30 days before the end of the then-current term. Charges will continue according to the applicable billing schedule.

7. Cancellation and Non-Renewal

Cancellation and non-renewal requests must be submitted in writing to [email protected] or through another cancellation method specifically provided by the Company. Notice is effective when sent, provided the sender receives no delivery-failure notice.

Except during an expressly stated evaluation or cancellation period, Member remains responsible for fees through the end of the applicable commitment. Nonuse, missed sessions, failure to provide records, or failure to implement does not constitute cancellation or eliminate payment obligations.

8. Refunds

Except as specifically stated in these Terms or in a written guarantee provided at enrollment, Program payments are non-refundable.

We do not provide refunds for:

• Missed coaching sessions;
• Unused Program resources;
• Failure to attend trainings or events;
• Failure to implement recommendations;
• Lack of participation;
• Changes in Member’s circumstances;
• Changes in staffing;
• Dissatisfaction arising from Member’s failure to participate meaningfully in the Program; or
• Cancellation after expiration of any applicable cancellation period.

Nothing in this Section limits any rights that cannot legally be waived.

9. Member Participation

Summit is implementation-oriented. Member agrees to participate reasonably, complete agreed actions, provide accurate information and requested documents on time, use designated secure systems, review work product, ask for help promptly, and treat staff and Members respectfully. Delays by Member may delay formation, bookkeeping, tax preparation, filing, coaching, or access to opportunities.

10. No Guarantee of Results

Results depend on Member action and circumstances beyond our control. We do not guarantee tax savings, investment access or allocation, investment performance, returns, liquidity, business or personal income, asset protection, audit outcomes, regulatory treatment, financing, or any other financial, tax, legal, or business result. Testimonials, illustrations, projections, examples, and other Members’ experiences are not guarantees.

11. Professional Capacity; “Unless Otherwise Stated”

Summit provides education, coaching, implementation support, and coordination. Unless expressly stated otherwise in a separate written engagement identifying the professional and scope, neither the Company nor a Summit Coach acts as the Member’s attorney, certified public accountant, tax return preparer, investment adviser, broker-dealer, insurance professional, fiduciary, compliance officer, or other licensed professional.

Included entity, bookkeeping, and tax services are provided only to the extent stated in the Enrollment Summary and, where applicable, a separate engagement letter. The professional or service provider identified in that engagement is responsible only for the stated scope. A coach’s discussion of those services does not expand the professional engagement.

12. Covered Entity Formation

If selected in the Enrollment Summary, Summit includes coordination of one standard domestic entity (the “Covered Entity”) in one state, which may include formation filing, EIN application, and standard organizational documents. Entity type, jurisdiction, ownership, tax elections, and effective dates depend on Member circumstances and professional review.

Legal opinions, customized governance, multi-owner negotiations, securities work, foreign qualification, licensing, registered-agent service, and governmental or third-party fees are excluded unless expressly added. The Company may use a lawyer, filing service, accountant, or other provider; Member may be asked to sign a separate engagement or authorization.

13. Simple Bookkeeping for the Covered Entity

Unless the Enrollment Summary states otherwise, “Simple Bookkeeping” means routine monthly categorization and reconciliation for one Covered Entity with up to 50 transactions per year, one bank account, and one credit-card account. It assumes records are timely, complete, and maintained on the designated platform.

Payroll, bill payment, invoicing, accounts receivable or payable management, inventory, sales-tax filings, 1099 preparation, historical cleanup, forensic work, cash-flow forecasting, financial-statement audit or review, and books for additional entities are excluded unless separately agreed. Services may pause if records, access, or answers are missing.

14. Included Tax Preparation and Filing

Subject to a separate Tax Preparation Engagement Letter, Summit includes preparation and electronic filing, when appropriate, of the tax returns identified in the Enrollment Summary: generally one federal individual Form 1040, one resident-state individual return, one federal return for the Covered Entity, and one home-state return for the Covered Entity for the stated Covered Tax Year.

Additional entities, states, local returns, amended or delinquent returns, trusts, estates, gifts, payroll, sales tax, foreign reporting, complex transactions, bookkeeping cleanup, notices, examinations, appeals, and controversy work are outside the standard scope unless separately agreed. Member remains responsible for reviewing returns, signing e-file authorizations, paying taxes, and meeting deadlines. Extensions extend filing time, not payment time.

15. Proprietary Funds, Strategies, and Opportunities

Summit may provide education about proprietary, affiliated, or curated strategies, funds, offerings, or other opportunities. Program membership is not an offer to sell or solicitation to buy any security and does not itself confer a right to invest, receive an allocation, or obtain a particular term.

Any opportunity is governed solely by separate offering, subscription, operating, disclosure, and eligibility documents. Participation may require accredited-investor or other eligibility verification, suitability review, acceptance by the issuer or manager, and a separate investment decision. Conflicts, compensation, affiliations, fees, risks, illiquidity, and possible loss are addressed in the applicable materials. Member should consult independent legal, tax, and investment advisers before investing.

16. Legacy Discovery Transition

Some Members may enroll in Summit after participating in the legacy Discovery program. For those Members, enrollment in Summit constitutes the Member’s election to conclude Discovery and transition into Summit as a separate Program.

In consideration for acceptance into Summit and access to its coaching, resources, professional-service coordination, and other Program benefits, the Member knowingly and voluntarily relinquishes and waives any right to request or receive a refund under any money-back guarantee previously provided in connection with Discovery.

Unless the Enrollment Summary expressly states otherwise:

• Summit replaces any remaining Discovery services, deliverables, or completion obligations;
• Discovery payment will be credited toward the first payment for the Summit program;
• No Discovery guarantee, including any guarantee based upon identifying a particular amount of potential tax savings, will apply after the Member enrolls in Summit; and
• The waiver of the Discovery guarantee becomes effective upon enrollment in Summit and remains effective even if the Member later cancels Summit during the initial 30-day evaluation period.

The Member’s waiver of the Discovery guarantee does not eliminate or modify the Member’s separate right to cancel Summit during Summit’s initial 30-day evaluation period as described in Section 5. A timely Summit cancellation ends future Summit payment obligations but does not revive any Discovery guarantee, refund right, or prior Discovery claim.

17. Member Decision-Making

Member retains authority and responsibility for all legal, tax, business, investment, and financial decisions. Nothing creates a fiduciary, employment, partnership, joint venture, agency, medical, or other relationship beyond the contractual services expressly described.

18. Financial and Tax Information

Member agrees to provide accurate, complete, current information. We and designated providers may rely on information supplied without independent audit or verification. We are not responsible for consequences materially caused by inaccurate, incomplete, late, or misleading information.

19. Patient Information and HIPAA

Member must not provide patient-identifiable information or protected health information unless specifically authorized and all required agreements and safeguards are in place. Use anonymized, aggregated, or de-identified information whenever reasonably possible.

20. Confidentiality and Data Handling

We will use commercially reasonable efforts to protect confidential Member information and disclose it only as needed to provide services, to personnel or providers with a reasonable need to know, with permission, when required by law, or when already public without our wrongful act. Sensitive tax and financial records should be transmitted only through designated secure systems—not ordinary email, text, or community channels.

Tax return information will be used or disclosed only as permitted by law. When law requires a specific consent for use or disclosure, that consent will be requested separately and will not be bundled into these Terms.

21. Group Confidentiality

Members must protect information shared by other Members and may not record, publish, copy, or disclose it without permission. Because group participation involves other people, the Company cannot absolutely guarantee another Member’s compliance. Material violations may result in removal.

22. Recording of Program Sessions

Group trainings, sessions, workshops, or events may be recorded, and Member’s voice, image, comments, or participation may appear. Recordings may be used for Program delivery, training, documentation, or quality improvement. Public marketing use of a Member’s name, likeness, testimonial, or identifiable statements requires separate authorization unless otherwise permitted by law. Private tax-preparation and private coaching sessions will not be recorded without notice or consent.

23. Intellectual Property

All Program content—including videos, frameworks, models, systems, processes, strategies, templates, checklists, documents, recordings, software, and community content—remains the property of the Company or its licensors. Member receives a limited, revocable, nonexclusive, nontransferable license for personal and internal business implementation during the Term.

24. Permitted Internal Use

Member may share or adapt Program materials only as reasonably necessary with Member’s own internal financial or professional team to implement Member’s plan, subject to confidentiality and any opportunity-specific restrictions.

25. Prohibited Use

Without written permission, Member may not sell, license, publish, publicly upload, distribute outside the Member’s team, create competing programs from, commercially teach, claim ownership of, or share login access to Program materials. You may use our systems to improve your financial life; you may not use them to train or sell to the market.

26. Artificial Intelligence and Digital Use

Member may use Program materials with internal productivity tools when reasonably necessary for implementation within Member’s life.

However, Member may not intentionally upload substantial portions of proprietary Basecamp materials into publicly accessible artificial intelligence systems, shared training repositories, public databases, or systems where the content may be used to create, train, distribute, or replicate competing intellectual property.

27. Community Standards and Non-Solicitation

Basecamp is intended to be a high-trust environment for accomplished doctors and practice owners.

Members agree to conduct themselves professionally and respectfully.

Basecamp may suspend or terminate access for conduct including:

• Harassment;
• Threatening or abusive behavior;
• Material confidentiality violations;
• Unauthorized solicitation;
• Misuse of Member information;
• Theft or unauthorized distribution of intellectual property;
• Fraudulent activity;
• Conduct that materially harms the Program or its Members; or
• Other serious violations of these Terms.

Member may not use the Program, community, Member directory, events, contact information, or relationships developed through the Program primarily to solicit, market, recruit, or sell products or services to other Members without Basecamp’s prior written consent.

Ordinary professional networking, referrals, and mutually requested business relationships are not prohibited.

28. Non-Disparagement; Honest Communication

During and after the Term, neither Party, nor its owners, officers, employees, contractors, or agents, will make, publish, post, distribute, or knowingly encourage any statement, whether oral, written, electronic, visual, or otherwise, that is intended or reasonably likely to disparage, demean, discredit, or materially harm the reputation, goodwill, business, products, services, owners, employees, or affiliates of the other Party.

Before making any public statement concerning a dispute, dissatisfaction, complaint, or grievance relating to the Program or the parties’ relationship, each Party agrees, whenever reasonably practicable, to first provide the other Party a reasonable opportunity to address and resolve the matter privately.

Nothing in this Section prohibits truthful statements required by law, subpoena, court order, governmental or regulatory authority, or statements reasonably necessary in connection with a bona fide legal, regulatory, or dispute-resolution process.

Nothing in this Section is intended to restrict any right that cannot lawfully be waived or restricted.

The Parties acknowledge that a breach of this Section may cause immediate and irreparable harm for which monetary damages may be inadequate.

Accordingly, the non-breaching Party may seek injunctive or other equitable relief, in addition to any other remedies available at law or in equity.

29. Suspension or Removal

We reserve the right to remove a Member from the Program if we reasonably determine that continued participation materially harms the Program, other Members, our team, or the integrity of the community.

If Summit terminates a Member without cause, unused prepaid Program fees will be refunded on a prorated basis.

If Summit terminates a Member for material breach of these Terms, amounts previously paid are non-refundable, and Summit reserves the right to pursue any unpaid amounts otherwise due under the applicable membership commitment, subject to applicable law.

30. Live Events

Certain events, workshops, retreats, Intensives, or live experiences may be included in membership, while others may require separate registration or additional fees.

Unless expressly stated otherwise, Member is responsible for travel, lodging, transportation, meals outside included events, and incidental expenses.

Event dates, locations, speakers, schedules, and formats may change when reasonably necessary.

31. Third-Party Professionals and Technology

The Program may rely on accountants, attorneys, tax preparers, bookkeepers, coaches, fund managers, custodians, payment processors, portals, and other third parties. Their separate terms and privacy practices may apply. We are not responsible for independent acts or omissions outside our reasonable control, but remain responsible for our own express obligations. The Program may use third-party systems such as Kajabi, Zoom, community platforms, payment processors, scheduling systems, artificial intelligence tools, or other software.

Summit is not responsible for temporary outages, security incidents, discontinuation, data loss, or other failures caused by third-party technology providers outside our reasonable control.

We may replace or change technology platforms when appropriate.

32. Payment Failure

If a payment fails, Member authorizes us to retry the payment method on file.

We may suspend Program access until overdue amounts are paid.

Member remains responsible for amounts properly owed under the applicable membership commitment even if Program access is temporarily suspended because of nonpayment.

33. Chargebacks

Member agrees to contact us first to attempt good-faith resolution of a billing concern. A chargeback does not itself cancel membership or eliminate valid payment obligations. This does not waive rights under payment-card or consumer-protection law.

34. Limitation of Liability

To the fullest extent permitted by law, the Company’s aggregate liability arising from the Program will not exceed Program fees paid by Member during the six months preceding the event giving rise to the claim. The Company will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages or lost profits, opportunities, data, or investment returns.

This limitation does not apply where prohibited by law and does not alter the responsibility of a separately identified professional provider under that provider’s written engagement.

35. Indemnification

Member will indemnify and hold harmless the Company and its owners, personnel, contractors, and affiliates from third-party claims arising from Member’s unlawful conduct, material breach, misuse of materials, unauthorized disclosure, or decisions implemented outside the written scope, except to the extent caused by the indemnified party’s negligence, willful misconduct, or violation of law.

36. Force Majeure

Neither party is liable for delay caused by events beyond reasonable control, including natural disaster, epidemic, war, civil disturbance, labor disruption, government action, utility or internet failure, cybersecurity incident, or platform outage. Payment for services already provided and confidentiality obligations remain unaffected.

37. Direct Resolution and Mediation

Before filing arbitration, the parties will attempt good-faith direct resolution. If unresolved, either party may request confidential mediation in Collin County, Texas, or remotely by agreement. The parties will share the mediator’s fees equally unless otherwise agreed.

38. Binding Arbitration; Class Waiver

If a dispute is not resolved through direct discussion or mediation, it will be resolved by confidential, binding individual arbitration administered by the American Arbitration Association under its applicable rules. Arbitration will occur in Collin County, Texas, or remotely by agreement. Judgment may be entered in any court with jurisdiction.

Claims must be brought individually, not as a class, collective, consolidated, or representative action. Either party may seek temporary injunctive relief for misuse of intellectual property, confidential information, or data, and either may use an eligible small-claims court. This Section does not prevent reports to government agencies or rights that cannot lawfully be waived.

39. Governing Law and Venue

Texas law governs, without regard to conflict-of-law rules. Court proceedings permitted despite arbitration must be brought in state or federal courts serving Collin County, Texas, and the parties consent to jurisdiction there.

40. Electronic Communications

Member consents to Program and transactional communications by email, text, portal, and other electronic methods using contact information provided. Marketing communications may be opted out of as required by law, but operational or legal notices may continue.

41. Electronic Acceptance and Signatures

Checkbox acceptance, electronic signatures, payment, or participation constitutes a binding electronic acceptance. Electronic records and signatures have the same effect as paper originals to the extent permitted by law.

42. Program Updates

We may make reasonable operational updates. Material changes to payment, commitment length, dispute resolution, or other legal rights will be communicated in advance and will not retroactively impair vested rights unless Member affirmatively agrees or law permits.

43. Assignment

Member may not assign membership without written consent. The Company may assign these Terms in connection with a merger, reorganization, sale, or transfer of the Program, provided the assignee assumes the applicable obligations.

44. Severability, Waiver, and Survival

If a provision is unenforceable, it will be narrowed or severed and the remainder enforced. A waiver must be in writing and does not waive future enforcement. Payment, confidentiality, intellectual property, privacy, dispute-resolution, liability, and other provisions intended by their nature to survive will survive termination.

45. Entire Agreement and Order of Precedence

These Terms, the Enrollment Summary, and incorporated documents are the entire Program agreement and supersede prior discussions about Summit. For Member-specific business terms, the Enrollment Summary controls. For tax-preparation scope and professional standards, the Tax Preparation Engagement Letter controls. For any investment, the applicable offering and subscription documents control. These Terms control the general Program relationship. A Summit Promise does not override these Terms.

46. Contact Information

The Free Founder LLC
4500 Eldorado Pkwy, Suite 1550
McKinney, Texas 75050
[email protected]

Member Acknowledgment

By accepting electronically or signing below, Member confirms that Member has read, understands, and agrees to these Terms, including the 30-day evaluation period, the 12-month commitment that follows if not timely canceled, automatic renewal, professional-service boundaries, investment-opportunity limitations, and arbitration provision.