90 Day Protocol

Catalyst Advisory Services, Inc. · Last updated 26 August 2026

Terms of Service

These Terms of Service (the Terms) are a binding contract between you and Catalyst Advisory Services, Inc. (the Company, we, us, or our). They govern your access to and use of 90dayprotocol.com and any related pages, forms, downloads, emails, and paid offerings we operate under the 90 Day Protocol name (together, the Site).

By visiting the Site, downloading a protocol, submitting a form, buying a training or a call, or clicking to accept these Terms, you agree to them. If you do not agree, do not use the Site and do not buy anything from us.

Please read Section 22 (Limitation of Liability), Section 25 (Binding Individual Arbitration), and Section 26 (Class Action Waiver). Those sections limit how disputes are heard and how much you can recover. You may opt out of arbitration and the class waiver under Section 29.

Contents

  1. Agreement and acceptance
  2. Who we are
  3. Eligibility
  4. Changes
  5. What we sell and what we do not
  6. Checkout and booking status
  7. No professional relationship
  8. Crisis care and 988
  9. Orders, payment, and taxes
  10. Payment plan
  11. Chargebacks and payment disputes
  12. Refunds for paid trainings
  13. Refunds for The 45-Minute Call
  14. Books sold through Amazon
  15. License and intellectual property
  16. Your submissions
  17. Prohibited use
  18. Third-party services
  19. Privacy
  20. Call recording
  21. Disclaimers
  22. Limitation of liability
  23. Indemnification and release
  24. Informal resolution
  25. Binding individual arbitration
  26. Class action waiver
  27. Jury waiver
  28. Small claims
  29. Thirty-day opt-out
  30. Arbitration fees
  31. Court carve-outs
  32. Governing law
  33. Notices
  34. Term, termination, and survival
  35. Assignment and force majeure
  36. Entire agreement, severability, waiver
  37. Electronic communications
  38. Contact

1. Agreement and acceptance

These Terms are the entire agreement between you and the Company about the Site and the offerings described here, except for a written receipt, a payment-processor checkout page, or a later written amendment we post. If you buy through Amazon, Amazon’s terms also apply to that purchase, and Amazon (not the Company) is the seller of record for that book sale.

If you use the Site on behalf of a company, you represent that you have authority to bind that company, and “you” includes that company.

2. Who we are

The Site is published by Catalyst Advisory Services, Inc. Dexter Montgomery is a pen name used on the books and on this Site. The civil name of the author is not part of the public brand and is not a party you sue in that name.

The author is a Stanford graduate and a graduate of Georgetown University Law Center, and he practices law. He does not write the books, the Site, the protocol, the trainings, or the call as your attorney. Nothing here is legal advice from him or from the Company.

3. Eligibility

You must be at least 18 years old and able to form a binding contract. The Site is written for adults in the United States. If you are outside the United States, you use the Site at your own risk and you are responsible for local law.

You may not use the Site if you are barred from doing so under United States law, or if we have previously banned you.

4. Changes

We may change these Terms. The “Last updated” line at the top is the date of the current version. For a material change that affects a paid offering you already bought, the version in effect on the date of that purchase governs that purchase, except that a change required by law, a payment-processor rule, or a court or arbitrator may apply sooner. For Site use that is not a completed purchase, the posted version applies the next time you use the Site.

We will not use a change to take away a refund right that had already attached to a purchase under Section 12 or Section 13.

5. What we sell and what we do not

The Company may offer some or all of the following. Prices below are the intended retail prices on this Site. A live buy button appears only when we turn that offering on.

We do not sell legal representation, medical care, therapy, emergency services, or a promise that a marriage returns. Her return, if it happens, is a byproduct of the work you do, not a result we warrant.

We may add later trainings or titles. A later offering is sold only when we post it and turn checkout or booking on for that offering. These Terms apply to those later offerings unless a separate page states different refund or price terms, in which case that page controls for that offering.

6. Checkout and booking status

Checkout for The 90-Day Rebuild and booking for The 45-Minute Call may be off. If a page says checkout is off, or booking is off, a click that looks like a buy button does not complete a sale. No card is charged until a live checkout or a live booking page actually processes a payment in your name.

A placeholder such as a Stripe token on a draft page is not an offer you can accept.

7. No professional relationship

THE SITE, THE BOOKS, THE PROTOCOL, THE TRAININGS, AND THE CALL ARE FOR INFORMATION AND SELF-STUDY. THEY ARE NOT LEGAL ADVICE, NOT MEDICAL ADVICE, NOT MENTAL-HEALTH TREATMENT, AND NOT A SUBSTITUTE FOR A LAWYER, A DOCTOR, A THERAPIST, OR CRISIS CARE.

Reading the Site, buying a training, emailing us, or sitting on a call does not create an attorney-client relationship, a physician-patient relationship, a therapist-client relationship, or any other professional-client relationship. We do not become your lawyer. We do not appear in court for you. We do not file papers for you. We do not give jurisdiction-specific legal strategy.

If you need a lawyer, hire one who is licensed where you live and who represents you in writing. If you need medical or mental-health care, get it from a licensed clinician. If you are in danger, use emergency services.

8. Crisis care and 988

If tonight is worse than confusion, or if you are thinking about hurting yourself or someone else, stop reading this Site. In the United States, call or text 988, or go to the nearest emergency room, or call 911. Do that before you download a protocol, buy a training, or write to us.

The full crisis paragraph on the First 24 Hours page and on the two crisis posts is there because those pages sit next to a hard night. These Terms do not replace that paragraph. We are not a crisis line. We do not monitor the Site in real time for people in danger.

9. Orders, payment, and taxes

When checkout is on, you authorize the Company (through its payment processor) to charge the payment method you present for the price shown, plus any tax the processor or we must collect. You represent that you are authorized to use that payment method.

Prices are in United States dollars. We may correct an obvious pricing error before or after a charge. If we cannot fulfill an order, we refund that charge.

You are responsible for any bank, card, or foreign-transaction fees your issuer charges. Access to a digital training is delivered by email or by a link we send to the address on the receipt. You are responsible for keeping that address working.

10. Payment plan

If you choose six biweekly payments of $55 for The 90-Day Rebuild, you authorize the Company and its processor to store your payment method and to charge it five more times, about every two weeks, until the plan is paid or until a valid refund under Section 12 stops remaining charges. The plan total is $330. Missing a plan charge may pause access until the charge clears or you pay the balance.

A refund during the 14-day window stops remaining plan charges. After that window, the remaining charges stay authorized unless we agree in writing to stop them.

11. Chargebacks and payment disputes

If you have a billing problem, email the address on your receipt first and give us ten days to look at it. A chargeback filed to avoid a valid charge, or filed after you already received a refund, is a breach of these Terms. We may share the receipt, these Terms, and access logs with the card network to respond. We may refuse future sales to a payment method that charged back without cause.

This section does not stop you from using a card network’s error-resolution process after you have told us about a real error and we have not fixed it.

12. Refunds for paid trainings

Paid trainings sold on this Site (The 90-Day Rebuild at $297 once or six biweekly payments of $55, and later trainings once they are for sale) include a 14-day money-back guarantee.

Email the address on your receipt within 14 days of the first payment. Catalyst Advisory Services, Inc. refunds what you paid. Remaining plan charges stop. No quiz. No call required.

The guarantee is not a promise that a marriage returns. It is a promise that we refund the training price if you ask inside the window.

Books sold through Amazon are not covered. The 45-Minute Call is not covered by this training guarantee (see Section 13).

If we reasonably believe a refund request is fraudulent, or that the same person is buying and refunding in a pattern meant to copy the training, we may refuse that refund and terminate access. That refusal is still subject to the dispute process in Sections 24 through 31.

13. Refunds for The 45-Minute Call

The 45-Minute Call is $497, sold separately from the training. Cancel before the call and Catalyst Advisory Services, Inc. refunds the $497. After the call has happened, there is no refund. The 14-day training guarantee does not apply to a used call.

If we cancel the call and do not offer a timely replacement time, we refund the $497. If you miss the call without canceling, that is treated as a used call unless we agree in writing to reschedule.

The call is not legal advice and does not create an attorney-client relationship.

14. Books sold through Amazon

When a Dexter Montgomery title is live on Amazon, you buy that copy from Amazon (or another store we name on the books page). Amazon’s refund, Kindle, and shipping rules apply to that sale. The Company’s 14-day training guarantee does not apply. We do not invent an ASIN, an ISBN you should paste, or a live URL before the listing exists.

Intended retail prices are $9.99 ebook and $19.95 paperback. Amazon may show a different price. The store’s displayed price is what you pay that store.

15. License and intellectual property

The Site, the protocol, the books’ text and covers as displayed here, the trainings, and our names and marks are owned by the Company or its licensors. We grant you a personal, limited, revocable, non-exclusive, non-transferable license to use the Site and any digital training you paid for (or the free protocol) for your own non-commercial use.

You may not copy the books, covers, protocol, training videos or worksheets, or Site text to sell them, rent them, publish them, train a model on them, or present them as your own. You may not share login links. You may print the First 24 Hours protocol for your own use. You may not scrape the Site in bulk.

“90 Day Protocol,” “The 90-Day Rebuild,” “The 45-Minute Call,” and the Dexter Montgomery name as used on this Site are identifiers we use in trade. You get no right to them.

If we terminate access for breach, the license ends. Copies you already printed for personal use may be kept; you may not keep distributing them.

16. Your submissions

If you submit a form, a comment, or an email, you grant the Company a non-exclusive, worldwide, royalty-free license to use that material to operate the Site, answer you, improve the offering, and meet legal duties. You represent that you have the right to send it and that it is not unlawful.

On this draft, the First 24 Hours form may only open a thanks page in the browser. After the folder is hosted, a form may post to the host’s form tool. We do not have to publish what you send. We may delete abusive or unlawful submissions.

Do not send us anyone else’s private papers, a child’s identifying information, or content you do not have the right to send.

17. Prohibited use

You may not, and you may not help anyone else to:

We may suspend or terminate access, refuse a sale, or cancel a call if you breach this section.

18. Third-party services

The Site may use a host, a form tool, a payment processor, a font service, Amazon, analytics the live domain already runs, or later an email tool. Those services have their own terms and privacy notices. We are not responsible for a third party’s act or failure, except to the extent a refund right in Section 12 or 13 still applies to money we actually received.

If you leave this Site for Amazon or another store, that store’s contract is between you and that store.

19. Privacy

The Privacy page describes what this Site collects. That page is part of how we handle information. If it conflicts with these Terms on a money or dispute issue, these Terms control. If it conflicts on how we handle personal information, the Privacy page controls.

20. Call recording

If The 45-Minute Call is recorded, we will say so at the start of the hour. By staying on the line after that notice, you consent to the recording for quality, notes, and (if needed) a dispute about what was said. We do not sell call recordings. A recording is not a transcript you can treat as legal advice. Either party may end the call if the other refuses a recording that was disclosed at the start.

Nevada and many other states require notice before a call is recorded. The start-of-call notice is that notice. If you are in a place that forbids the recording even with notice, tell us before the hour and we will not record, or we will cancel and refund under Section 13.

21. Disclaimers

THE SITE AND ALL OFFERINGS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND THE AUTHOR DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL CODE, OR THAT ANY RESULT (INCLUDING A RECONCILIATION, A LEGAL OUTCOME, A MOOD CHANGE, OR INCOME) WILL OCCUR.

Some places do not allow a full disclaimer of implied warranties. In those places, the disclaimer applies to the fullest extent the law allows, and any implied warranty that cannot be disclaimed lasts only as long as the law requires (and no longer than 30 days if the law lets us set a period).

No oral statement on a call, in an email, or on a sales page changes this section. A testimonial we have not published is not a warranty. We do not invent review quotes. We do not promise a dollar figure you will earn or save.

22. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS, AND THE AUTHOR WRITING AS DEXTER MONTGOMERY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, OR FOR ANY PERSONAL INJURY, EMOTIONAL DISTRESS, OR PROPERTY DAMAGE ARISING FROM YOUR USE OF THE SITE OR AN OFFERING, EVEN IF WE WERE TOLD THAT THE DAMAGE WAS POSSIBLE, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE, AN OFFERING, OR THESE TERMS WILL NOT EXCEED THE AMOUNTS YOU PAID TO THE COMPANY FOR THE OFFERING THAT GAVE RISE TO THE CLAIM IN THE TWELVE MONTHS BEFORE THE CLAIM, OR FIFTY UNITED STATES DOLLARS ($50) IF YOU PAID US NOTHING.

The cap and the exclusion do not apply to the extent the law forbids them. They do not limit liability for our willful misconduct or fraud, or for death or personal injury caused by our gross negligence where that limit is void. They do not take away a refund that Section 12 or Section 13 already requires. They do not limit your right to seek public injunctive relief where a statute lets you and a waiver of that relief is unenforceable.

You agree that the price of a training or a call reflects this allocation of risk. If you do not accept it, your remedy is not to buy, or to use the 14-day training refund, or to cancel a call before it happens.

23. Indemnification and release

You will defend, indemnify, and hold harmless the Company, its officers, directors, employees, contractors, and the author writing as Dexter Montgomery from any third-party claim, demand, loss, or cost (including reasonable lawyers’ fees) that arises out of: (a) your misuse of the Site or an offering; (b) your breach of these Terms; (c) content you submit; or (d) your claim that we were your lawyer, doctor, or therapist when Section 7 says we were not.

We may take over the defense with counsel we choose. You will cooperate. You will not settle a claim that imposes a burden on us without our written consent.

This indemnification does not require you to indemnify us for our own willful misconduct or fraud, or for a claim that the Site as we published it infringes a third party’s intellectual property.

You also release the Company, its officers, directors, employees, contractors, and the author writing as Dexter Montgomery from claims you now have or later have that arise out of: (i) an act or omission of Amazon or another store; (ii) an act or omission of your spouse, a court, a lawyer you hired, or a clinician you hired; (iii) a decision you made after reading informational content; or (iv) a result that did not occur, including a marriage that did not return. This release does not cover our willful misconduct or fraud, a refund already due under Section 12 or Section 13, a claim for bodily injury caused by our gross negligence where that release is void, or any claim that applicable law says cannot be released in advance.

If you are a California resident, you waive California Civil Code section 1542 as to the claims this section actually releases, and only those claims. Section 1542 says that a general release does not extend to claims that the releasing party does not know or suspect to exist at the time of the release and that, if known, would have materially affected the settlement. You understand that language. We are not using section 1542 to release claims this section does not name.

24. Informal resolution

Before you start an arbitration or a small-claims case, you must send a written notice that describes the dispute, the facts, and what you want. Send it the way Section 33 says. We will do the same if we have a claim against you, using the email on your receipt.

For 30 days after the notice is received, the parties will try to resolve the dispute in good faith (a phone or video call is enough). This wait does not apply if waiting would let a limitations period run out; in that case you may file to preserve the claim and the case remains stayed until the 30 days end. This wait also does not apply to a request for temporary injunctive relief under Section 31.

25. Binding individual arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS. EXCEPT FOR THE SMALL-CLAIMS OPTION IN SECTION 28, THE COURT CARVE-OUTS IN SECTION 31, AND A VALID OPT-OUT UNDER SECTION 29, YOU AND THE COMPANY AGREE TO RESOLVE EVERY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, A PURCHASE, A CALL, A PROTOCOL, A BOOK DESCRIPTION ON THIS SITE, OR ANY OTHER DEALINGS BETWEEN YOU AND US (A “DISPUTE”) BY BINDING INDIVIDUAL ARBITRATION, AND NOT IN COURT, AND NOT AS A CLASS OR REPRESENTATIVE ACTION.

The Federal Arbitration Act, 9 U.S.C. § 1 et seq. (the FAA), governs this Section 25 and the interpretation and enforcement of the agreement to arbitrate. The arbitrator will apply the FAA. State arbitration statutes do not override the FAA here.

The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (the Consumer Rules) then in effect, including any AAA consumer due-process protocol those rules incorporate. The Consumer Rules are published at adr.org. If AAA will not administer the case, the parties will agree on another administrator that will apply rules no less protective of consumers than the Consumer Rules. If they cannot agree, a court in the seat named below may appoint one.

The seat of arbitration is Clark County, Nevada. Hearings may be by video or telephone, or on the papers, if the Consumer Rules allow and if traveling would be a hardship. If an in-person hearing is required, it will be in Clark County, Nevada, unless the Consumer Rules or the arbitrator require a place closer to your residence, in which case that closer place controls.

The arbitrator will be a licensed lawyer or a former judge. The arbitrator may award any relief that a court could award on an individual claim, including statutory damages and an individual public-injunctive-relief order where a statute allows that relief on an individual basis. The arbitrator may not award relief for or against anyone who is not a party, and may not consolidate claims or preside over any form of class, collective, or representative proceeding.

The arbitrator decides gateway issues of arbitrability, including the existence, scope, and validity of this agreement to arbitrate, and whether a claim is within this Section 25, except that a court (not the arbitrator) decides whether Section 26 (class waiver) is valid or enforceable, and whether a claim may proceed on a class, collective, or representative basis. That split is intentional.

If twenty or more demands that raise substantially the same facts and the same counsel are filed against the Company in a 90-day period, the parties will ask AAA to stage or batch those cases for efficiency. Staging does not waive anyone’s right to an individual award. It is not class arbitration.

Judgment on the award may be entered in any court with jurisdiction. This Section 25 survives termination of these Terms and survives a completed purchase.

26. Class action waiver

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE-ATTORNEY-GENERAL, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS OR PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. YOU AND THE COMPANY WAIVE ANY RIGHT TO A CLASS ARBITRATION AND ANY RIGHT TO SEEK RELIEF ON BEHALF OF A CLASS.

If a court finally decides that the waiver in this Section 26 is unenforceable as to a particular claim, then that claim (and only that claim) must proceed in court, not in arbitration, and the rest of the agreement to arbitrate still applies to the other claims. The parties agree that class arbitration is not a fallback.

This waiver is a material term. If it is held unenforceable as to the dispute as a whole and a class or representative action is the only remaining path, either party may require that the entire dispute be heard in court rather than in a class arbitration.

27. Jury waiver

TO THE EXTENT A DISPUTE PROCEEDS IN COURT RATHER THAN IN ARBITRATION (INCLUDING A SMALL-CLAIMS CASE THAT MOVES TO A COURT OF GENERAL JURISDICTION, A CARVE-OUT UNDER SECTION 31, OR A CLAIM AFTER A VALID OPT-OUT), YOU AND THE COMPANY WAIVE ANY RIGHT TO A JURY TRIAL TO THE MAXIMUM EXTENT PERMITTED BY LAW.

28. Small claims

Either party may bring an individual case in a small-claims court of competent jurisdiction, including a small-claims court in Clark County, Nevada, or in the county of your United States residence, if that court has power over the claim and the parties. That option tracks the consumer small-claims path in the AAA Consumer Rules (including the path those rules describe for small claims). Filing in small claims does not waive the class waiver. If the case is removed or appealed out of small claims to a court of general jurisdiction, Section 25 applies again unless you opted out.

29. Thirty-day opt-out

You may opt out of Section 25 (arbitration) and Section 26 (class waiver) by sending a written notice within 30 days after the first of: (a) the date you first used the Site, or (b) the date of your first purchase from the Company. The notice must include your name, the email address you used, a statement that you opt out of arbitration and the class waiver in the 90 Day Protocol Terms, and (if you bought something) the receipt date. Send it the way Section 33 says.

An opt-out is personal to you. It does not opt out anyone else. If you opt out, Sections 25 and 26 do not apply to you, and a dispute is heard in the courts named in Section 32, still subject to the jury waiver in Section 27 to the extent the law allows, and still subject to the liability limits in Section 22. Informal resolution under Section 24 still applies.

If you do not opt out in time, you will have agreed to arbitration and the class waiver. Buying again later does not reopen the 30-day window.

30. Arbitration fees

Filing, administration, and arbitrator fees follow the AAA Consumer Rules. Under those rules a consumer’s filing fee is capped at the amount AAA then publishes for consumer cases (you should read the current AAA consumer fee schedule at adr.org; we do not invent a dollar figure here that may go stale). The Company will pay the AAA fees that the Consumer Rules assign to the business, including the amounts above the consumer’s share.

If the arbitrator finds that your claim was filed in bad faith or for an improper purpose, the arbitrator may award the Company its reasonable AAA fees and lawyers’ fees to the extent the Consumer Rules and applicable law allow. If you win an award, the arbitrator may award you your reasonable AAA fees and lawyers’ fees to the extent the law and the Consumer Rules allow.

We will not seek our lawyers’ fees against you in arbitration unless the arbitrator finds your claim was frivolous or brought in bad faith, or unless a statute gives us fees as a prevailing party.

31. Court carve-outs

Either party may go to a court of competent jurisdiction to: (a) enforce intellectual-property rights or stop a misuse of the Site, the protocol, a training file, or a mark; (b) seek a temporary restraining order or a preliminary injunction to preserve the status quo while an arbitration is started; or (c) enforce an arbitration award. Those filings do not waive the agreement to arbitrate the rest of the Dispute.

A government agency can still investigate or bring an enforcement action. Nothing here stops you from making a complaint to a government agency.

32. Governing law

These Terms and any Dispute are governed by the FAA (as to arbitration) and by the laws of the State of Nevada, without regard to conflict-of-law rules that would pick another state’s law. Nevada law includes its consumer-protection statutes to the extent they apply and are not preempted.

Subject to Sections 25 through 31, the exclusive forum for a court case is the state or federal courts sitting in Clark County, Nevada, and you and the Company consent to personal jurisdiction there. If you opted out and you are a consumer who lives in another United States state, you may also bring an individual court case in the county of your residence, and we will not fight personal jurisdiction there for that individual case.

If the Company’s formation state is not Nevada, these Terms still choose Nevada law and the Clark County seat unless we post a change under Section 4. That choice is a term of the contract. It is not a representation about where the corporation was formed.

33. Notices

Notices to the Company must be in writing and sent to both of: (1) the email address printed on your receipt, if you have one; and (2) Catalyst Advisory Services, Inc., Las Vegas, Nevada, United States, using the contact method posted on About when the domain is live. Until a live contact method is posted, a notice you can prove you sent to the receipt address is enough.

We do not invent a support inbox on this page. If no receipt exists (you only used the free Site), send notice through the contact method on About when it is posted, and keep a copy.

Notices to you may be sent to the email on your receipt or, if none, by a prominent post on the Site. An email is effective when sent, if we do not receive a hard bounce. A post on the Site is effective when posted for Site-wide changes, and does not start your 30-day opt-out clock; that clock starts as Section 29 says.

34. Term, termination, and survival

These Terms start when you first use the Site and continue until you stop using it, except that terms that should survive a purchase or a dispute do survive. We may suspend or stop the Site, or your access, at any time. If we stop a paid training you already bought and that is not a refund under Section 12, we will either keep access available for a reasonable time or refund a pro-rata amount for prepaid time you cannot use.

Sections 7, 8, 11 through 16, 21 through 36, and any accrued payment obligation, survive termination.

35. Assignment and force majeure

You may not assign these Terms without our written consent. We may assign them to an affiliate or to a buyer of the Site or of the business. These Terms bind permitted successors.

We are not liable for a delay or failure caused by an event beyond our reasonable control (host outage, payment-processor outage, labor dispute, utility failure, government act, fire, flood, epidemic, or war). This does not cancel a refund already due under Section 12 or 13.

36. Entire agreement, severability, waiver

These Terms, the Privacy page, and the receipt for a purchase are the entire agreement about the Site and the offerings. They replace prior oral or written statements about the same subject. A sales-page sentence that conflicts with a numbered section here yields to the numbered section, except that a more generous refund we posted on the sales page at the time of purchase still applies to that purchase.

If a court or arbitrator finds a part of these Terms unenforceable, that part is severed and the rest stays in force, except as Section 26 says about the class waiver. A failure to enforce a part is not a waiver of that part or of any other part. A waiver must be in writing and signed by the party who would have enforced it (email from us is enough for our waiver).

Headings are for reading. They do not change meaning. “Including” means “including without limitation.” If these Terms and a mandatory consumer statute conflict, the statute controls to the extent of the conflict.

37. Electronic communications

You agree that we may send contracts, notices, disclosures, and records to you electronically, including by email and by posting on the Site. You agree that an electronic click, checkbox, or typed name is your electronic signature under the federal E-SIGN Act and Nevada’s uniform electronic-transactions law. You can get a paper copy by printing this page. Withdrawing consent to electronic records means you must stop using the Site; it does not unwind a purchase already made.

38. Contact

Questions about these Terms: use the email on your receipt, or the contact method posted on About when the domain is live. Until then, this page is the whole contract we are offering for the Site.

Publisher: Catalyst Advisory Services, Inc., Las Vegas, Nevada, United States. Site: 90dayprotocol.com. Author credit: Dexter Montgomery (pen name).

Last updated 26 August 2026.