THE GREG HEAD PAYMENT AND REFUND POLICY

1. INTRODUCTION AND SCOPE

a. This Payment and Refund Policy (“Policy”) governs all payment transactions, subscription billing, refund procedures, and related financial matters between you (“Client,” “You,” or “Your”) and The Monarch Group, LLC dba The Greg Head and TheGregHead.com (“Company,” “We,” “Us,” or “Our”), a Wyoming limited liability company with its principal place of operations in Arizona. The Greg Head and TheGregHead.com is a DBA (doing business as) name of The Monarch Group, LLC.

b. This Policy is incorporated into and forms part of the Terms of Service and all Companion Policies. In the event of a conflict between this Policy and the Terms of Service, the Terms of Service shall control unless this Policy expressly states otherwise with respect to payment-specific matters.

c. This Policy is designed to comply with: the Federal Trade Commission Act (15 U.S.C. § 41 et seq.); the FTC's Rule on Unfair or Deceptive Fees (16 C.F.R. Part 464); the FTC's Business Opportunity Rule (16 C.F.R. Part 437); the Electronic Fund Transfer Act (EFTA) (15 U.S.C. § 1693 et seq.) and Regulation E; the Truth in Lending Act (TILA) to the extent applicable; the Wyoming Consumer Protection Act (Wyo. Stat. § 40-12-101 et seq.); the Arizona Consumer Fraud Act (A.R.S. § 44-1521 et seq.); and all other applicable federal and state consumer protection and payment processing laws.

2. TRANSPARENT PRICING AND FEE DISCLOSURE

a. Total Price Disclosure: In compliance with the FTC's Rule on Unfair or Deceptive Fees (16 C.F.R. Part 464), the Company will clearly and conspicuously disclose the total price of any Service — including all mandatory fees, taxes, and charges — before you are required to make a purchase decision. The Company does not engage in "drip pricing," bait-and-switch pricing, hidden fees, or any practice that obscures or misrepresents the total cost of Services.

b. Price Transparency Commitments:

• All prices are quoted in United States Dollars (USD) unless otherwise expressly stated.
• The total price displayed at checkout will include all mandatory fees. No additional undisclosed fees will be added after the initial price display.
• If applicable taxes (sales tax, use tax, or other governmental charges) are required, they will be clearly itemized separately at or before the point of purchase.
• If the Company offers promotional pricing, trial pricing, or introductory rates, the standard price that will apply after the promotional period will be clearly disclosed at the time of enrollment.
• Price changes for existing subscriptions will be communicated at least thirty (30) days before they take effect.

c. No Earnings or ROI Guarantees in Pricing: The price of any Service reflects the value of the Company's time, expertise, systems, frameworks, and deliverables — not a guaranteed financial outcome. In compliance with FTC regulations (15 U.S.C. § 41 et seq.) and the FTC's Business Opportunity Rule (16 C.F.R. Part 437), no pricing or promotional material should be interpreted as a promise or guarantee of specific earnings, revenue, ROI, employment outcomes, PE placement, or business results. See the Company's Disclosures, Disclaimers & Legal Notices document for full details.

3. ACCEPTED PAYMENT METHODS

a. Payment Methods: The Company accepts the following payment methods:

• Major credit cards (Visa, Mastercard, American Express, Discover).
• Major debit cards.
• ACH bank transfers (where available for applicable service tiers).
• Other payment methods as may be made available through our third-party payment processor.

b. Third-Party Payment Processing: All payment transactions are processed through our third-party payment processor (currently Stripe, Inc.). The Company does not directly store, process, or retain your full payment card numbers on its servers. Your payment information is handled in accordance with the Payment Card Industry Data Security Standard (PCI DSS) as maintained by our payment processor. By providing your payment information, you authorize the applicable payment processor to charge the payment method you designate for the amounts due.

c. Payment Authorization: By submitting a payment through the Service, you represent and warrant that: (a) you are authorized to use the designated payment method; (b) you authorize the Company (and its payment processor) to charge the designated payment method for the total amount of your purchase, including all applicable fees and taxes; and (c) you will notify the Company promptly if your payment method is cancelled, expired, or otherwise changed.

d. Currency: All transactions are processed in United States Dollars (USD). If your payment method is denominated in a different currency, your financial institution may apply currency conversion fees. The Company is not responsible for any currency conversion charges imposed by your financial institution.

4. SERVICE CATEGORIES AND PAYMENT TERMS

The following table summarizes the payment and refund terms for each category of Service offered through TheGregHead.com. Detailed terms for each category are set forth in Sections 5 through 9 below.

5. FREE TRIALS (If Offered)

a. Trial Terms: If a free trial is offered for any Service, the following terms apply:

• The duration and scope of the free trial will be disclosed at the time of enrollment.
• You may be required to provide a valid payment method to enroll in a free trial.
• You may cancel at any time during the trial period without being charged.
• If you do not cancel before the trial period ends, your paid subscription will begin automatically, and your payment method will be charged at the then-current rate.
• We will provide clear notice of when the trial period ends and what the charges will be upon conversion to a paid subscription.

b. Trial Eligibility: Free trial eligibility is limited to one trial per person, per household, per payment method. The Company reserves the right to determine trial eligibility and to modify or discontinue trial offers at any time.

6. SUBSCRIPTION SERVICES

a. Monthly Subscriptions:

• Monthly subscriptions are billed on a recurring monthly basis, beginning on the date of initial purchase or trial conversion.
• Your payment method will be charged automatically on each monthly renewal date.
• You may cancel your monthly subscription at any time through your account settings or by contacting us at legal@themonarchgroupllc.com.
• Cancellation stops future renewals but does not provide a refund for the current billing period.
• You will retain access to the Service through the end of the current monthly billing period after cancellation.
• We do not provide prorated refunds for partial months, except where required by applicable law.

b. Annual Subscriptions:

• Annual subscriptions are billed upfront for a one-year term.
• You may cancel your annual subscription at any time. Cancellation will take effect at the end of the current annual term.
• You will retain access through the end of the annual term after cancellation.
• Annual fees are non-refundable and non-prorated, except where required by applicable law.
• If the Company offers a monthly payment option for annual plans, all installments for the annual term remain due and payable even if you cancel before the end of the term.

c. Automatic Renewal and Disclosure: YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD UNLESS YOU CANCEL BEFORE THE RENEWAL DATE. By purchasing a subscription, you authorize the Company to charge your payment method on a recurring basis. We will provide you with clear notice of: (a) the renewal terms; (b) the renewal price; (c) how to cancel; and (d) the cancellation deadline, in compliance with applicable state automatic renewal laws, including California’s Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.).

d. Subscription Price Changes: The Company reserves the right to change subscription prices. For existing subscribers, price changes will be communicated at least thirty (30) days before the new price takes effect. Your continued subscription after the price change constitutes acceptance of the new price. If you do not accept the new price, you may cancel before the renewal date.

7. ADVISORY SESSIONS — PAYMENT AND CANCELLATION

a. Nature of Professional Services: When you book an advisory session, you are purchasing a confirmed allocation of Greg Head's professional time, expertise, and preparation. Sessions begin at the scheduled time regardless of client readiness. Because a session booking represents an irreversible commitment of the Company's time and calendar, the following terms apply.

b. Payment Terms: All advisory sessions are paid in full at the time of booking. The applicable fee is disclosed on the booking page prior to checkout. No session time is reserved without confirmed payment.

c. Cancellation and No Show Policy:

• Advance cancellations (more than 24 hours before the scheduled session): May be rescheduled one (1) time at no additional charge, subject to scheduling availability. The rescheduled session must occur within sixty (60) days of the original booking. No cash refund is issued.
• Late cancellations (within 24 hours of the scheduled session): Session fees are forfeited at the Company's sole discretion. No refund and no rescheduling right.
• No-shows: Sessions missed without any prior notice are forfeited in full. No refund, credit, or rescheduling right.

d. Company-Initiated Reschedules: If the Company must reschedule a session due to emergency or unforeseen circumstances, it will provide reasonable alternative scheduling options. Where rescheduling within sixty (60) days is not feasible and the cause is within the Company's control, the Company may, at its discretion, issue a session credit. No cash refund is guaranteed.

8. PROGRAM ENROLLMENT, PAYMENT PLANS, AND REFUND POLICY

ALL SALES ARE FINAL. NO REFUNDS. NO EXCEPTIONS.

a. Nature of Programs: The Company’s programs — including PE-Ready Executive Plus and PE-Ready Elite — involve the immediate delivery of proprietary frameworks, strategic content, custom positioning work, AI-assisted tools, access to community, facilitated PE introductions, and significant preparation time upon enrollment. Because these deliverables are provided immediately and cannot be “returned,” all program purchases are final and non-refundable.

b. One-Time Program Payments: Where a program is purchased as a one-time payment, the full fee is charged at checkout. Access begins upon receipt of payment. No refund is available for any reason after purchase.

c. Payment Plans: Where payment plans are offered for programs, the following terms apply:

• Enrollment in a payment plan constitutes a legally binding agreement to pay the full program fee across all scheduled installments, regardless of participation level or satisfaction.
• Installments are charged automatically on the schedule disclosed at enrollment using the payment method on file.
• It is your responsibility to ensure your payment method remains valid and funded throughout the payment plan term.
• Missed or failed installment payments result in: (i) immediate suspension of all sessions, program access, community access, and digital content; (ii) automatic re-attempt of the charge within three (3) to five (5) business days; and (iii) acceleration of the full outstanding balance at the Company's discretion if payment remains uncured after seven (7) days.
• Outstanding payment plan balances remain legally owed in full even if a client elects to withdraw or discontinue participation. Intellectual property restrictions apply to all materials accessed during periods of non-payment.
• Access is restored only upon full payment of all outstanding installments, including any applicable late fees.

d. Event Registrations (Thesis Pitch Events / PE Introduction Events): If you register for an event (including Investment Thesis Pitch Events or Direct PE Introduction Events) and are unable to attend, registration fees are forfeited. If the Company cancels an event due to circumstances within its control, it will use commercially reasonable efforts to reschedule the event or offer a non-transferable, non-cash credit toward a future event of equivalent value, valid for twelve (12) months from issuance. Modifications arising from third-party circumstances (including PE partner availability, platform outages, or force majeure events) do not give rise to any refund obligation.

e. Program Withdrawal: Withdrawal from a program at any stage after enrollment does not entitle you to a full or partial refund. If you are enrolled in a payment plan and withdraw, all installments already paid are non-refundable, and any outstanding installments remain legally owed in full.

f. Termination for Cause: If the Company terminates your program access due to violation of the Terms of Service, the Acceptable Use Policy, or conduct that is disruptive, disrespectful, or harmful to others or to the Company's reputation, no refund of any amounts paid shall be owed.

g. Consumer Protection Compliance: Nothing in this Section is intended to limit or waive any statutory refund or cancellation rights you may have under applicable federal or state consumer protection law. Where a mandatory statutory right to a refund, return, or cancellation period exists under the law of your jurisdiction (including any applicable FTC cooling-off rule), the Company will honor that right to the extent required by law. To inquire about applicable statutory protections, contact legal@thegreghead.com.

9. DIGITAL COURSES, INFORMATION PRODUCTS, AND DIGITAL DOWNLOADS

a. Instant Access and Non-Refundable Nature: Due to the digital nature of courses, digital products, information products, templates, frameworks, and recorded content, and the fact that instant access is granted upon purchase, all such sales are final once access has been granted. By purchasing, you acknowledge and agree to this no-refund policy. Because digital access cannot be "returned" in the way physical goods can, no refund will be issued regardless of whether the content has been accessed, downloaded, or used.

b. Access Window: Where digital products specify an access period, access will be provided for that period as described at the time of purchase. The Company reserves the right to modify, update, or discontinue digital content but will use commercially reasonable efforts to provide materially equivalent content where a product is significantly altered or discontinued within its specified access period.

10. BILLING ERRORS AND PAYMENT DISPUTES

a. Reporting Billing Errors: If you believe you were charged in error, please contact us promptly:

• Email: legal@thegreghead.com
• Deadline: Within thirty (30) days of the charge.

Your billing error report must include: (a) your name and account email; (b) the date and amount of the charge; (c) the invoice or transaction reference number; and (d) a description of why you believe the charge is an error.

b. Investigation and Resolution: Upon receipt of a billing error report, the Company will:

• Acknowledge receipt within five (5) business days.
• Investigate the reported error within a reasonable timeframe, typically fifteen (15) business days.
• If an error is confirmed, correct the error, which may include issuing a refund to the original payment method, applying a credit to your account, or adjusting future charges.
• Notify you of the outcome of the investigation.

c. Chargebacks and Payment Disputes: We strongly encourage you to contact us directly before initiating a chargeback or dispute with your financial institution. If you initiate a chargeback or payment dispute without first attempting to resolve the issue directly with the Company as described above:

• The Company reserves the right to immediately suspend or terminate your account and access to all Content and Services.
• The Company may provide evidence to your financial institution or payment processor to dispute the chargeback.
• The Company reserves the right to pursue all available legal remedies for recovery of the disputed amount plus associated costs, including chargeback fees, administrative costs, and reasonable attorneys’ fees.
• Your account will not be reinstated until the dispute is fully resolved in the Company’s favor or a mutually agreed resolution is reached.
• The Company may report the matter to fraud prevention services and credit agencies as permitted by law.

d. EFTA Compliance: To the extent any payment involves an electronic fund transfer (e.g., ACH debit), the Company will comply with the Electronic Fund Transfer Act (15 U.S.C. § 1693 et seq.) and Regulation E (12 C.F.R. Part 1005), including providing required disclosures, honoring error resolution rights, and processing unauthorized transfer claims within the timeframes prescribed by law.

11. TAXES

a. You are responsible for all applicable sales tax, use tax, value-added tax (VAT), goods and services tax (GST), and other governmental charges assessed on your purchases, unless the Company is legally required to collect and remit such taxes. Where required by law, the Company will collect applicable taxes at the point of sale and remit them to the appropriate taxing authority. Tax amounts will be clearly itemized on your invoice or receipt.

12. FAILED PAYMENTS AND ACCOUNT SUSPENSION

a. Failed Payments: If a scheduled payment fails (e.g., due to an expired card, insufficient funds, or bank decline):

• The Company will attempt to process the payment up to three (3) additional times over the following seven (7) days.
• We will notify you of the failed payment by email and provide instructions for updating your payment method.
• If payment is not successfully processed within fourteen (14) days of the initial failure, the Company may suspend or terminate your access to the Service.

b. Account Reinstatement: If your account is suspended due to non-payment, you may reinstate your account by paying all outstanding amounts. Reinstatement may be subject to additional fees or a new subscription term at the then-current pricing.

13. CONSUMER PROTECTION AND COOLING-OFF PROVISIONS

a. Mandatory Consumer Protections Preserved: Notwithstanding any provision of this Policy, nothing herein is intended to limit or waive any rights you may have under applicable federal or state consumer protection laws regarding refunds, cancellations, cooling-off periods, or similar protections that cannot be waived by contract.

b. FTC Cooling-Off Rule: The FTC’s Cooling-Off Rule (16 C.F.R. Part 429) provides consumers with a three (3) business-day right to cancel certain sales made at a location other than the seller’s permanent place of business (e.g., door-to-door sales). This Rule generally does not apply to transactions conducted entirely online. However, to the extent any transaction falls within the scope of this Rule, the Company will honor the applicable cancellation rights and provide the required cancellation forms.

c. State-Specific Cancellation Rights: Certain states provide additional cancellation or cooling-off rights for specific types of transactions. If you reside in a state that provides cancellation rights beyond those stated in this Policy, those rights are preserved. The Company will comply with all mandatory state cancellation and refund requirements.

d. California Automatic Renewal Law: In compliance with the California Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.), the Company will: (a) present the automatic renewal terms in a clear and conspicuous manner before the subscription is purchased; (b) obtain your affirmative consent to the automatic renewal terms; (c) provide an acknowledgment that includes the automatic renewal terms, cancellation policy, and information on how to cancel; and (d) provide a simple mechanism for cancellation.

14. MODIFICATIONS TO THIS POLICY

a. The Company reserves the right to modify this Policy at any time. Material changes will be communicated at least thirty (30) days before they take effect via notice on the Service or by email. Your continued use of the Service or purchase of Services after the effective date of changes constitutes acceptance of the modified Policy. Non-material changes are effective immediately upon posting.

15. CONTACT INFORMATION

a. For questions, billing inquiries, refund requests, or payment disputes:

• The Greg Head dba of The Monarch Group, LLC
  • Email: legal@thegreghead.com
  • Website: https://thegreghead.com
  • Phone: (317) 344-9395
  • Address: 1712 Pioneer Ave, Cheyenne, WY 82001
• For consumer complaints:
  • Wyoming AG: 109 State Capitol, Cheyenne, WY 82002; (307) 777-7841.
  • Arizona AG: 2005 N. Central Ave., Phoenix, AZ 85004; (602) 542-5763.
  • FTC: https://reportfraud.ftc.gov/ or 1-877-FTC-HELP.

16. GOVERNING LAW

a. This Policy shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to conflict of law principles, consistent with the governing law provisions of the Terms of Service. Disputes arising under this Policy are subject to the dispute resolution provisions set forth in the Terms of Service, including binding arbitration and class action waiver.

17. ACKNOWLEDGMENT

a. BY PURCHASING ANY SERVICE OR MAKING ANY PAYMENT TO THE COMPANY, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THIS PAYMENT AND REFUND POLICY AND AGREE TO ITS TERMS. YOU FURTHER ACKNOWLEDGE THAT THE COMPANY'S PRICING REFLECTS THE VALUE OF ITS PROFESSIONAL TIME, EXPERTISE, SYSTEMS, AND DELIVERABLES — NOT A GUARANTEE OF SPECIFIC FINANCIAL OUTCOMES, EMPLOYMENT RESULTS, OR PE PLACEMENT.