Terms, privacy & billing

Terms of Service

1. Who we are

These terms are an agreement between you and Life At Ten Tenths, LLC, a South Carolina limited liability company (“Ten Tenths,” “we,” “us”). They cover your use of this website, the Ten Tenths Operating System (TTOS) dashboard, the member community, our in-person events, and any coaching services you purchase from us.

By creating an account, subscribing, or using any part of the service, you agree to these terms. If you don’t agree, don’t use the service.

2. Who can join

You must be at least 18 years old and able to enter a binding contract. You agree to give accurate information when you sign up and to keep it current.

3. What we provide

Ten Tenths provides business coaching, educational content, tools, templates, access to a private community of real estate professionals, and live in-person events. Depending on your membership level, that may include the TTOS dashboard, live calls, group coaching, or one-to-one coaching sessions.

We may add, change, or retire individual features, sessions, or resources as the program develops. We won’t materially reduce what your current paid level includes without telling you first.

4. Your account

Your membership is for you alone. Don’t share your login, and don’t let anyone else use your access. You’re responsible for everything that happens under your account. Tell us promptly if you think someone else has your credentials.

5. Community conduct

The community only works if it stays worth being in. When you participate, you agree not to:

• Harass, demean, or attack other members
• Recruit members to other programs, or pitch unrelated products and services
• Share other members’ private information, numbers, or posts outside the community
• Post anything unlawful, discriminatory, or deliberately misleading

We may remove content or end a membership that breaks these rules. Where a removal is our call and not a payment issue, we’ll refund the unused portion of the current period.

6. Our content is ours

All Ten Tenths materials — the dashboard, templates, scripts, recordings, worksheets, written content, and the Ten Tenths name and logo — belong to us or our licensors. Your membership gives you a personal, non-transferable license to use them to run your own business.

You may use our templates and tools in your own practice. You may not resell them, republish them, distribute them to non-members, use them to build a competing coaching or training product, or share recordings of member calls.

7. Your content

Anything you post in the community stays yours. By posting, you give us permission to display it inside the service and to quote it in program materials or marketing — but we’ll ask you first before using anything identifiable as a testimonial or case study.

8. No guarantee of results

This matters, so we’ll be direct: Ten Tenths is coaching and education, not a promise of income. Any numbers, timelines, or results mentioned on this site or in the program are examples of what specific agents have achieved — not what you should expect. Your results depend on your market, your effort, your experience, and factors none of us control.

We’re not your lawyer, accountant, broker, or financial advisor, and nothing we provide is legal, tax, financial, or brokerage advice. You remain responsible for complying with your license requirements, your brokerage’s policies, fair housing law, and all other rules that govern your business.

9. Limits on our liability

The service is provided as is. To the fullest extent the law allows, we’re not liable for indirect, incidental, or consequential damages, or for lost profits or lost business. Our total liability to you for any claim is limited to the amount you paid us in the twelve months before the claim arose.

Some states don’t allow certain limitations, so parts of this section may not apply to you.

10. Changes to these terms

We may update these terms. If a change materially affects your rights or what you pay, we’ll email you at least 30 days before it takes effect. Continuing to use the service after that means you accept the update. If you don’t, cancel before the change takes effect.

11. In-person events

We host live in-person events, including LIMITLESS’26. Event tickets are sold separately from membership and are governed by these terms plus any event-specific terms stated at the point of purchase.

Attending is voluntary, and you attend at your own risk. You’re responsible for your own travel, lodging, and insurance. You agree to follow venue rules and staff instructions, and to behave in a way that doesn’t disrupt the event or other attendees — we may remove anyone who doesn’t, without a refund.

To the fullest extent the law allows, you release Life At Ten Tenths, LLC from claims for injury, illness, or loss or damage to property arising from your attendance, travel, or participation in event activities, except where caused by our gross negligence or willful misconduct.

We photograph and record our events. By attending, you grant us permission to use your image, voice, and likeness in recordings, photographs, and promotional material, without further approval or compensation. Tell a member of our team at the event if you’d rather not appear and we’ll accommodate it.

If we have to cancel, postpone, or move an event — including for weather, venue problems, illness, or anything outside our reasonable control — we’ll offer you a full refund of the ticket price, or a credit toward the rescheduled date if you’d rather keep your seat. We’re not responsible for your travel or lodging costs in that situation, which is why we recommend refundable bookings or travel insurance.

Tickets are refundable up to 30 days before the event. Inside that window they’re non-refundable, but they’re transferable to another person any time before the event starts — just tell us who’s coming in your place.

12. Governing law

These terms are governed by the laws of South Carolina, without regard to its conflict-of-laws rules. Disputes will be handled in the state or federal courts located in Charleston County, South Carolina, and we each consent to that venue. [If you want arbitration and a class-action waiver instead, your attorney should draft that clause here.]

Billing, Renewal & Cancellation

What you’re agreeing to pay

• Inside Track — $29 per month, charged when you join and then on the same day each month, or $290 per year, charged once annually.
• The 11 Circle — $299 per month, charged monthly, or $3,200 per year, charged once annually.
• Premier 1:1 Coaching is priced individually and covered by the engagement terms we agree in writing before you start.

Automatic renewal

All memberships are subscriptions with automatic renewal. Your plan renews at the end of each billing period and your payment method is charged automatically, at the same price, until you cancel. Monthly plans renew monthly. Annual plans renew once a year on your anniversary date.

For annual plans, we’ll email you a reminder at least 30 days before each renewal charge, showing the renewal date and amount.

How to cancel

Cancelling takes about the same effort as joining. Open the billing portal, sign in with your email, and cancel your plan. You don’t need to call us, email us, or talk to anyone.

Cancellation takes effect at the end of the period you’ve already paid for. You keep full access until then, and you won’t be charged again. You can also cancel by emailing hello@tentenths.co — we’ll process it within two business days.

Refunds

Membership payments are non-refundable, including partial months and unused time. When you cancel, you keep full access for the rest of the period you already paid for and you aren’t billed again.

We will always refund a charge that was clearly our error — a duplicate charge, or billing after a confirmed cancellation. Just tell us.

Price changes

We may change membership prices. If your price changes, we’ll email you at least 30 days before it applies to your account, so you can decide whether to keep going. Your current price holds until then.

Failed payments

If a payment fails, we’ll retry it and email you. If it can’t be collected after four attempts, we’ll pause your access until the balance is settled. Nothing is lost — update your card and you’re back in.

Payments and your card

Payments are processed by Stripe, Inc. We never see or store your full card number. Charges appear on your statement as LIFEATTENTENTHS. Stripe’s handling of your payment data is governed by its own privacy policy.

Taxes

Prices exclude any sales or use tax that may apply. Where we’re required to collect it, tax is added at checkout and shown before you pay.

Events

Tickets to LIMITLESS’26 and our other events are sold separately from membership and carry their own refund window and transfer rules, stated at the point of purchase. Event tickets are one-time purchases — they don’t auto-renew. For in-person attendance terms, see In-person events.

Business Planning

Business Planning is included at no extra cost for 11 Circle and Premier Coaching clients, as part of their services. Inside Track members and non-members purchase it separately as a one-time registration, priced at checkout. Buying it on its own doesn’t create a membership or a recurring charge.

Privacy Policy

What we collect

• Information you give us: name, email, phone, brokerage or market, and anything you share on calls, in the community, or in the tools.
• Payment information: handled by Stripe. We receive the last four digits, card brand, expiry, and billing country — never the full number.
• Usage information: pages viewed, resources opened, and general activity in the dashboard, so we can see what’s actually useful.
• Technical information: IP address, browser, device type, and referring page, collected automatically.

How we use it

• To provide the membership, run the community, and deliver coaching
• To process payments and send receipts and renewal notices
• To send the weekly email and program updates, if you asked for them
• To improve the program based on what members use and ask for
• To meet legal, tax, and accounting obligations

We do not sell your personal information, and we don’t share it with other coaches, lenders, brokerages, or lead buyers.

Who we share it with

Only service providers who help us run the business, and only what they need: Stripe (payments), Beehiiv (email), Mighty Networks (community), Google Analytics (site traffic), and Zoom (live calls). Each is bound to protect it. We may also disclose information if the law requires it, or to protect our rights or someone’s safety.

What you post in the community is visible to other members. Please treat it as shared, not private.

Coaching confidentiality

What you tell us in coaching stays between us and your coach. We don’t share your numbers, plans, or situation with other members, and we don’t use them as examples without asking you first.

Event photography

We take photographs and video at our in-person events and use them in recaps and promotional material. If you’d prefer not to appear, let our team know at the event. If a photo of you is already published and you want it removed, email us and we’ll take it down.

Email

If you give us your email, we’ll send you the resource you asked for and periodic program emails. Every email has a one-click unsubscribe, and unsubscribing from marketing doesn’t stop essential account or billing notices.

Cookies

We use cookies to keep you signed in, remember preferences, and understand site traffic. You can block cookies in your browser, though parts of the member area may stop working.

We don’t currently run advertising or retargeting pixels. If that changes, we’ll update this policy and add a cookie consent banner before turning them on.

How long we keep it

We keep your account information while you’re a member and for seven years after you leave, then delete or anonymize it — except records we’re required to retain for tax or legal reasons.

Your choices

You can ask us to access, correct, export, or delete your personal information, or to stop marketing emails. Email hello@tentenths.co and we’ll respond within 30 days. Depending on where you live, you may have additional rights — including under the California Consumer Privacy Act — and we’ll honor them. We won’t treat you differently for exercising them.

Security

We use industry-standard safeguards to protect your information, including encryption in transit and access controls. No system is perfect, so we can’t promise absolute security — but if a breach affects you, we’ll tell you promptly.

Children

The service is for adults working in real estate. We don’t knowingly collect information from anyone under 18.

Changes

If we make a material change to this policy, we’ll update the date above and email members.

Contact

Questions about these terms, your billing, or your data — a real person answers.

A mailing address is required on commercial email under CAN-SPAM — a PO box is acceptable.