TERMS AND CONDITIONS

Build or Die — buildordie.co A brand of Smith Catalyst Ventures, LLC

Effective Date: August 30, 2026

PLEASE READ CAREFULLY. Section 15 contains a binding arbitration agreement and class action waiver that affect your legal rights. Section 10 contains important disclaimers about results, income, and the absence of professional advice.


1. ACCEPTANCE

These Terms and Conditions ("Terms") are a binding agreement between you and Smith Catalyst Ventures, LLC, a Wyoming limited liability company doing business as Build or Die ("Build or Die," "we," "us," "our"). By accessing buildordie.co, subscribing to our communications, purchasing a product, joining a community, or otherwise using our services (the "Services"), you agree to these Terms and to our Privacy Policy and Messaging Terms, which are incorporated by reference.

If you do not agree, do not use the Services.


2. ELIGIBILITY

You must be at least 18 years old and able to form a binding contract. By using the Services you represent that you meet these requirements and that you are not barred from doing so under applicable law.


3. THE SERVICES

Build or Die provides entrepreneurship-focused media and educational offerings, which may include podcasts, newsletters, written and video content, digital products and courses, paid communities, live and recorded events, and consulting or coaching engagements. Specific deliverables, pricing, and terms for any paid engagement are governed by the applicable order form, checkout page, or separate written agreement, which controls over these Terms in the event of conflict.

We may modify, suspend, or discontinue any part of the Services at any time.


4. ACCOUNTS

You are responsible for the accuracy of your registration information, for safeguarding your credentials, and for all activity under your account. Notify us immediately at [email protected] of any unauthorized use. Accounts are personal and non-transferable. Sharing paid access with non-purchasers is a material breach and grounds for immediate termination without refund.


5. PURCHASES, BILLING, AND REFUNDS

5.1 Pricing and payment. All prices are in U.S. dollars unless stated. You authorize us and our payment processors to charge your selected payment method for all amounts due, including applicable taxes. You represent that you are authorized to use the payment method provided.

5.2 Subscriptions and automatic renewal. Subscription products renew automatically at the then-current price for successive periods until cancelled. Before enrolling you will be shown the renewal frequency, the amount, and how to cancel. You may cancel at any time through . Cancellation takes effect at the end of the current billing period unless otherwise required by law. We will send renewal reminders where required by applicable state automatic renewal law.

5.3 Refunds.

5.4 Chargebacks. Initiating a chargeback without first contacting us at [email protected] is a breach of these Terms. We reserve the right to suspend access and pursue recovery of the disputed amount plus reasonable costs.


6. INTELLECTUAL PROPERTY

All content in the Services — text, audio, video, graphics, frameworks, templates, course materials, and the Build or Die name, logo, and trade dress — is owned by Smith Catalyst Ventures, LLC or its licensors and protected by intellectual property law.

License to you. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use purchased or freely offered content for your own personal or internal business use.

You may not reproduce, redistribute, resell, publicly perform, create derivative works from, or use our content to build or train a competing product, program, or model, or to train any machine learning system, without our prior written consent. Reverse engineering, scraping, and automated bulk extraction are prohibited.


7. YOUR CONTENT

You retain ownership of content you submit — posts, comments, questions, testimonials, and materials shared in communities or coaching. You grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, adapt, publish, and display that content in connection with operating and promoting the Services. You represent that you have the rights to grant this license and that your content does not infringe any third party's rights.

We may remove any content at our discretion.


8. COMMUNITY AND ACCEPTABLE USE

You agree not to: harass, threaten, or defame others; post unlawful, infringing, or deceptive content; solicit or spam other members; misrepresent your identity, credentials, or affiliation; share paid materials outside the program; interfere with the Services' operation or security; or use the Services in violation of any law.

Community discussions may include confidential business information shared by other participants. You agree not to disclose or use another participant's confidential information outside the community.

We may suspend or terminate access for violations, without refund.


9. THIRD-PARTY SERVICES AND LINKS

The Services reference and integrate third-party tools, platforms, and vendors. We do not control and are not responsible for third-party content, products, or practices. Any transaction with a third party is between you and that party.

Affiliate relationships. We may receive compensation for referrals to third-party products or services. Where required by the FTC's Endorsement Guides, we disclose material connections clearly and conspicuously at or near the recommendation.


10. DISCLAIMERS — RESULTS, INCOME, AND PROFESSIONAL ADVICE

READ THIS SECTION CAREFULLY.

10.1 No professional advice. The Services provide general business and educational information only. Nothing in the Services constitutes legal, tax, accounting, financial, investment, securities, insurance, or medical advice, and no attorney-client, fiduciary, advisory, or clinical relationship is created by your use of the Services. No content should be relied upon as a substitute for advice from a licensed professional in your jurisdiction who is familiar with your specific circumstances. You should consult your own attorney, CPA, and licensed advisors before acting on anything you encounter here.

10.2 No income or earnings guarantee. We make no guarantee, representation, or warranty regarding revenue, profit, growth, client acquisition, or any other business result. Building a business involves substantial risk, including the risk of total loss. Your results depend on factors outside our control, including your market, capital, skill, effort, timing, and conditions we cannot predict.

10.3 Testimonials and examples. Any testimonials, case studies, screenshots, or examples reflect the individual experience of specific people and are not typical, average, or promised results. We do not verify every claim made by a participant. Where we present a result, we describe the relevant circumstances to the extent known.

10.4 Forward-looking statements. Any statement about what may or could happen is an opinion, not a promise.

10.5 "AS IS." THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. Some jurisdictions do not allow exclusion of implied warranties, so some exclusions may not apply to you.


11. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SMITH CATALYST VENTURES, LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITY, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain limitations, so portions of this Section may not apply to you. Nothing in these Terms limits liability for fraud, willful misconduct, or any liability that cannot be limited by law.


12. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Smith Catalyst Ventures, LLC and its members, managers, officers, employees, contractors, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Services, your content, your breach of these Terms, or your violation of any law or third-party right.


13. TERMINATION

We may suspend or terminate your access at any time, with or without notice, for any reason including breach of these Terms. You may stop using the Services at any time. Sections 6, 7, 10, 11, 12, 15, and 16 survive termination.


14. DMCA

If you believe content on the Services infringes your copyright, send a notice under 17 U.S.C. § 512(c)(3) to our designated agent:

R. Brandon Smith, Designated Agent Smith Catalyst Ventures, LLC 30 N Gould St, Ste , Sheridan, WY 82801 [email protected]

Your notice must include a signature, identification of the work and the infringing material, your contact information, a good-faith belief statement, and a statement of accuracy under penalty of perjury. We will respond in accordance with the DMCA and may terminate repeat infringers.


15. DISPUTE RESOLUTION AND ARBITRATION

15.1 Informal resolution first. Before filing any claim, you agree to contact us at [email protected] with a written description of the dispute and the relief sought, and to negotiate in good faith for 60 days. This is a condition precedent to arbitration or suit.

15.2 Binding arbitration. Except as provided in Section 15.5, any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator. The Federal Arbitration Act governs the interpretation and enforcement of this Section. Arbitration will be conducted by videoconference, or in Sheridan County, Wyoming, at your election.

15.3 Class action waiver. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this waiver is held unenforceable as to a particular claim, that claim will proceed in court and all other claims remain in arbitration.

15.4 Public injunctive relief. Notwithstanding the foregoing, claims for public injunctive relief that cannot be waived under applicable law may be brought in a court of competent jurisdiction, and such claims will be stayed pending arbitration of all other claims.

15.5 Exceptions. Either party may bring an individual action in small claims court, and either party may seek injunctive relief in court to protect intellectual property rights.

15.6 Opt-out. You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of first accepting these Terms, stating your name and intent to opt out. Opting out does not affect any other provision.


16. GOVERNING LAW AND VENUE

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws principles. Subject to Section 15, the exclusive venue for any action is the state and federal courts located in Sheridan County, Wyoming, and you consent to personal jurisdiction there. Nothing in this Section deprives you of the protection of mandatory consumer-protection provisions of the law of your state of residence.


17. GENERAL

Entire agreement. These Terms, the Privacy Policy, the Messaging Terms, and any applicable order form or engagement agreement constitute the entire agreement between you and us.

Changes. We may revise these Terms. Material changes will be posted with a revised Effective Date and, where required, notified to you. Continued use after the effective date constitutes acceptance. Changes do not apply retroactively to disputes already noticed under Section 15.1.

Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary or severed, and the remainder will stay in effect.

No waiver. Our failure to enforce any provision is not a waiver.

Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.

Force majeure. Neither party is liable for delays or failures caused by events beyond reasonable control.

Electronic communications. You consent to receive communications from us electronically and agree that electronic agreements, notices, and records satisfy any legal requirement of a writing.


18. CONTACT

Smith Catalyst Ventures, LLC d/b/a Build or Die 30 N Gould St, Ste R, Sheridan, WY 82801 [email protected]