Contribution only occurs while the node is enabled. You choose to participate, and you can withdraw that consent at any time (see section 7). Without your consent, no resources are contributed.

By running a node, you acknowledge that contribution consumes resources you pay for:

Electricity consumed by keeping the device on and processing tasks.

Internet bandwidth and data — on metered or mobile-data connections this may incur charges from your provider. By default the node is intended to run on Wi-Fi and while charging.

Device wear from sustained background operation.

The node limits bandwidth use to a configurable share of your available connection (default: 20%). Lucky North Star LLC is not responsible for any electricity, data, connectivity, or hardware costs arising from your participation. You are responsible for monitoring your own usage and adjusting or disabling the node accordingly.

The work your node performs consists of encrypted content fragments belonging to the MVN library and sandboxed compute / inference tasks for the network. Your node does not store, and cannot access, the decrypted content of other users, runs every task in an isolated sandbox that cannot reach your personal files, and no personal data of other members is transmitted through your device.

Because this traffic is encrypted MVN network data only, you are not the author or controller of the fragments or tasks routed through your node and are not liable for them, provided you use the node as intended and do not attempt to interfere with it.

To protect the integrity and decentralization of the network, a maximum of 5 active nodes per user account is permitted. You must not operate bots, scripts, emulators, falsified telemetry, or fake nodes, nor otherwise attempt to manipulate the credit system or the network's scoring.

When using the Platform or the P2P network, you must not:

• use the network to transmit, store, or facilitate any illegal content or illegal traffic;
• attempt to decrypt, intercept, or access data belonging to other users;
• conduct denial-of-service attacks, overload the network, or inject unauthorized content;
• reverse engineer, tamper with, or circumvent the node software or its limits (see the [EULA](/eula));
• scrape, harvest, or extract Platform content without written authorization;
• impersonate other nodes or users, or use the network to harm, defraud, or harass others.

You may disable your participation in the P2P network at any time from your account settings ("P2P Network" section). Deactivation takes effect immediately, without penalty and without loss of credits already earned. You may re-enable participation later.

We may suspend or terminate your access to the P2P network, your account, or both, with or without notice depending on severity, if you breach this policy or use the network in a way that threatens its integrity, security, or other users.

The P2P network is provided "as is" and "as available", without warranty of any kind. To the maximum extent permitted by applicable law, Lucky North Star LLC shall not be liable for damages arising from your participation, including connection costs, device impact, or service interruptions, except where such limitation is prohibited by mandatory law.

This policy is governed by the laws of the State of Wyoming, United States, without prejudice to the mandatory protections of your country of residence. Questions: legal contact form.

Subject to your compliance with this EULA, MVN grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and run the Software on devices you own or control, solely to access the Platform and participate in the network. No rights are granted except as expressly stated.

You must not:

• copy, redistribute, sell, rent, lease, or sublicense the Software;
• reverse engineer, decompile, or disassemble the Software, or attempt to derive its source code, except to the extent this restriction is prohibited by applicable law;
• modify, adapt, or create derivative works of the Software, or remove proprietary notices;
• circumvent, disable, or tamper with any security, licensing, rate-limiting, or telemetry feature;
• use the Software to build or train a competing product or service, or to interfere with the network.

To operate, schedule, score, and secure the distributed network, the node Software collects and transmits device telemetry, which may include: device model, brand, and OS version; available RAM and CPU load; battery/charging state; connectivity type (e.g., Wi-Fi); and a node identifier. This telemetry is used to route work appropriately and to enforce fair-use and security rules. Its processing is described in our Privacy Policy. By using the Software you consent to this collection.

The Software may download and install updates automatically to improve security, stability, and functionality. Continued use after an update constitutes acceptance of the updated Software and, where applicable, of any revised terms notified to you.

The Software may include third-party and open-source components licensed under their own terms. Those terms govern your use of the respective components and, in case of conflict with this EULA for those components, prevail. A list of such components and their licenses is available on request.

The Software is licensed, not sold. MVN and its licensors retain all right, title, and interest in and to the Software, including all intellectual property rights. The "Marcus Vance" name, logos, and brand elements remain the property of MVN.

The Software is provided "as is" and "as available", without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by applicable law.

To the maximum extent permitted by applicable law, MVN shall not be liable for any indirect, incidental, special, or consequential damages, or for any loss of data, device impact, or connectivity costs, arising from your use of the Software. Nothing excludes liability that cannot be excluded under mandatory law, including your non-waivable consumer rights.

This license terminates automatically if you breach it. On termination you must stop using and uninstall the Software. Sections on ownership, disclaimers, limitation of liability, and governing law survive termination.

This EULA is governed by the laws of the State of Wyoming, United States, without prejudice to the mandatory protections of your country of residence. Questions: legal contact form.

All prices displayed on the Platform are shown in US dollars (USD).

US residents: Prices are shown exclusive of applicable state and local sales tax, which may be calculated and added at checkout depending on your jurisdiction.

International buyers: Prices are shown exclusive of taxes. The Buyer is solely responsible for any applicable customs duties, local taxes, or other fiscal charges applicable in their country of residence.

The operator reserves the right to change prices at any time. Products and services are billed at the rate in effect at the time the order is confirmed.

The Platform accepts the following payment methods:

Credit or debit card (via Stripe): Payments by Visa, Mastercard, and American Express are processed securely by Stripe, Inc. Card data is encrypted via SSL and is never stored on our servers. Stripe is PCI-DSS Level 1 certified.

MVN Credits: Marcus Vance Network credits are a virtual currency internal to the Platform. They can be earned through the Platform and used to purchase eligible courses, resources, and services. MVN credits are not convertible to real currency and cannot be refunded or transferred. Their use is subject to these Terms.

An order is definitively confirmed upon receipt of payment confirmation. If payment fails, the order is automatically canceled.

By completing your purchase, you expressly acknowledge that you waive any applicable right of withdrawal or cooling-off period, and consent to the immediate performance of the contract (access granted upon payment confirmation). EU consumers retain rights under Directive 2011/83/EU where mandatory.

Single exception: A refund may be considered on an exceptional and discretionary basis solely in the event of a major technical failure on the Platform rendering the content completely inaccessible, reported by the Buyer and not resolved within 72 hours of receipt of the report. In such cases, the Buyer must contact support at Support form with documentation of the inability to access the content.

This policy applies to all digital products: individual courses, coaching sessions, downloadable resources, MVN credits, and subscriptions whose billing period has begun.

The products and services offered on the Platform are exclusively digital content and dematerialized services.

Immediate access: Consistent with the information provided at checkout and the Buyer's express agreement, access to purchased digital content is granted immediately upon payment confirmation, with no physical delivery delay.

Access conditions: Purchased courses, resources, and content are accessible from the Buyer's personal account on the Platform, provided an active Internet connection is available. The operator ensures continuous access to content, except during scheduled maintenance periods duly communicated in advance.

Technical failure: If access to content becomes impossible due to a technical failure of the Platform that is not resolved within 72 hours of the Buyer's report, a refund or credit may be granted on an exceptional and discretionary basis.

Automatic renewal: Platform subscriptions are taken out on a monthly or annual basis and renew automatically at the end of each period, unless the Buyer cancels beforehand.

Cancellation: The Buyer may cancel their subscription at any time from the "My subscription" section of their account, at least 24 hours before the renewal date. If cancellation occurs after this deadline, the renewal will proceed and cancellation will take effect at the end of the current billing period.

Price changes: If a subscription price changes, the Buyer will be notified by in-app and push notification at least 30 days before the renewal date. If the subscription is not canceled within that period, the Buyer accepts the new price.

Effect of cancellation: Canceling a subscription terminates access to premium content at the end of the current period. Content purchased individually (outside of a subscription) remains accessible under the terms of that individual purchase.

The operator commits to providing the content and services described on the Platform with reasonable care and skill. However, results obtained by the Buyer through the use of courses and resources depend on their personal commitment and cannot be guaranteed.

The operator shall not be liable for: (i) any service interruption due to external causes (network outage, force majeure), (ii) any inappropriate use of content by the Buyer, (iii) any indirect or consequential damages arising from use of the Platform.

In any event, the operator's liability is limited to the amounts actually paid by the Buyer for the order in question.

All content available on the Platform (courses, videos, podcasts, documents, logos, text) is protected by copyright and remains the exclusive property of the operator or its partners.

Purchasing digital content grants the Buyer a personal, non-exclusive, non-transferable right of access, for strictly private use. Any reproduction, distribution, resale, or commercial exploitation of content is strictly prohibited without prior written authorization from the operator, and may result in legal action.

Personal data collected during checkout is processed in compliance with applicable US law (CCPA/CPRA) and, for Buyers residing in the European Union, with the General Data Protection Regulation (GDPR — EU Regulation 2016/679).

This data is used solely for order management, customer support, and, with the Buyer's consent, for commercial communications. It is not shared with third parties, except payment providers (Stripe) strictly within the scope of order fulfillment.

The Buyer has the right to access, correct, delete, and port their data, exercisable via our legal contact form.

Governing law: These Terms of Sale are governed by and construed in accordance with the laws of the State of Wyoming, United States of America, without regard to its conflict of law principles.

Dispute resolution: In the event of a dispute that cannot be resolved amicably, the Buyer may submit the matter to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, or to the competent courts of Wyoming, United States.

EU consumers: Buyers residing in the European Union may also use the EU Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr

Claims: All claims must first be submitted to our customer service via our support form. We commit to responding within 5 business days.

If you are a consumer residing in the EU/EEA, EU law normally grants you a 14-day right of withdrawal from the day a contract is concluded, allowing you to cancel a purchase without giving any reason (Articles 9 to 16 of Directive 2011/83/EU).

This statutory right exists for distance contracts. However, EU law itself provides that this right does not apply, or is lost, in specific cases set out in Article 16 of the Directive — in particular for digital content and for services that have begun with your prior express consent. The next section explains how this applies on the Platform.

Digital content (courses, downloadable resources, MVN credits): in accordance with Article 16(m) of Directive 2011/83/EU, the right of withdrawal does not apply to the supply of digital content not on a tangible medium where performance has begun with your prior express consent and your acknowledgment that you thereby lose your right of withdrawal. Access is granted immediately upon payment confirmation.

Services (1-on-1 coaching and AI coaching): in accordance with Article 16(a) of Directive 2011/83/EU, once a service has been fully performed — performance having begun with your prior express consent and acknowledgment that you lose your right of withdrawal once the contract is fully performed — the right of withdrawal no longer applies. For a coaching service partially performed at the moment you would withdraw, you remain liable for the proportionate amount of the service already provided.

This express consent and acknowledgment are collected at checkout, by ticking the dedicated box and confirming your order. Without this consent, immediate access cannot be granted.

Subject to the mandatory rights described in this policy and to the exception below, all purchases of courses, coaching sessions, digital resources, MVN credits, and subscriptions whose billing period has begun are final and non-refundable once access has been granted or performance has begun.

MVN credits, in particular, have no monetary value, are non-transferable and non-refundable, whether they were earned through the network or acquired otherwise.

Gems (an optional virtual item purchased with real money to unlock content instantly) are treated differently from credits: Gems that you have purchased but not yet spent are refundable on request. Once a Gem is spent to unlock content, that unlock is final and the spent Gem is non-refundable.

A refund or credit may be granted on an exceptional and discretionary basis in the following cases:

Major technical failure: if a technical failure attributable to the Platform makes purchased content completely inaccessible, is reported by the buyer, and is not resolved within 72 hours of the report.

Duplicate or erroneous charge: if you are charged twice for the same order, or charged in error, the incorrect charge will be refunded in full.

Unauthorized transaction: if a payment was made without your authorization, contact us immediately; confirmed unauthorized charges are refunded and the account secured.

To request an exceptional refund, contact our support form within 14 days of the charge, including your order reference and a description of the issue. We aim to respond within 5 business days.

Subscriptions renew automatically at the end of each billing period unless cancelled beforehand. You can cancel at any time from the "My subscription" section of your account.

Cancellation stops future renewals; it does not refund the current period, which remains active until its end. Amounts already billed for a started period are non-refundable, subject to the mandatory rights described above.

Termination for violation: if your account is suspended or terminated for a breach of our Terms or Community Guidelines — including prohibited content such as hate speech, or the sale/promotion of weapons, drugs, pornographic or child sexual abuse material — all linked subscriptions are terminated and no refund is issued for any subscription period in progress, and any MVN credits are forfeited (they have no cash value).

If a subscription price changes, you are notified by in-app and push notification at least 30 days before the renewal date and may cancel before the new price takes effect.

Nothing in this policy limits any non-waivable statutory right you may have as a consumer under the mandatory law of your country of residence — including, where applicable, remedies for content or services that are defective, not as described, or not of satisfactory quality.

Where mandatory local law grants you a refund right that cannot be contractually excluded, that right prevails over the no-refund principle set out above.

For any refund request or question about this policy, contact us via our support form or, for legal matters, our legal contact form.

EU consumers may also use the European Commission's Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr

This policy is governed by the laws of the State of Wyoming, United States, without prejudice to the mandatory consumer protections of your country of residence.

If you believe content on the Platform infringes your copyright, send a written notice to our Designated Agent (section 3) that includes all of the following, as required by 17 U.S.C. § 512(c)(3):

• a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
• identification of the copyrighted work claimed to have been infringed;
• identification of the material that is claimed to be infringing and information reasonably sufficient to locate it (e.g., a URL);
• your contact information (name, address, telephone, email);
• a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law;
• a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorized to act on the owner's behalf.

Incomplete notices may not be actionable.

Notices must be sent to our Designated Agent:

Copyright Agent — Lucky North Star LLC Online: legal contact form Mail: Lucky North Star LLC, Attn: Copyright Agent, 1309 Coffeen Ave, Sheridan, WY 82801-5777, USA

Please send copyright notices only to this Designated Agent; other inquiries sent to this address may not receive a response.

If your content was removed and you believe this was a mistake or misidentification, you may send a counter-notification to the Designated Agent including:

• your physical or electronic signature;
• identification of the material removed and its location before removal;
• a statement, under penalty of perjury, that you have a good-faith belief the material was removed as a result of mistake or misidentification;
• your name, address, and telephone number, and a statement that you consent to the jurisdiction of the federal court for your district (or, if outside the US, any judicial district in which MVN may be found) and that you will accept service of process from the complaining party.

Upon a valid counter-notification, we may restore the material in 10–14 business days unless the original complainant files an action seeking a court order.

We will, in appropriate circumstances and at our discretion, disable or terminate the accounts of users who are repeat infringers of copyright or other intellectual property rights.

Under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents that material is infringing, or was removed by mistake, may be liable for damages. Do not make false claims.

This policy is governed by the laws of the State of Wyoming and the federal law of the United States. It supplements our Terms of Service. For questions: legal contact form.

Nothing said, written, or generated during a coaching session — human or AI — constitutes financial, investment, legal, tax, accounting, medical, psychological, or any other regulated professional advice.

The content of the channel #investing and any course or session discussing finance, markets, entrepreneurship, or money is educational and reflects general information or personal opinion. It is not a recommendation to buy, sell, or hold any financial product, nor a personalized financial plan.

For decisions with financial, legal, tax, or health consequences, you should consult a duly qualified and licensed professional in your jurisdiction before acting.

Participating in coaching does not create any client–professional relationship between you and Lucky North Star LLC, Marcus Vance, or any coach or AI system — in particular no attorney–client, financial-advisory, fiduciary, doctor–patient, or therapist–client relationship.

No duty of care, suitability obligation, or fiduciary duty arises from the use of the coaching services.

The AI coaching assistant is a tool, not a licensed professional. It does not understand your full personal situation, cannot provide regulated advice, and its output should be treated as general information only.

Not for emergencies: the AI assistant must never be used for medical, legal, financial, or personal emergencies, or for crisis situations. If you are in danger or experiencing a health or mental-health emergency, contact your local emergency services or a qualified professional immediately.

Conversations with the AI assistant may be processed and stored to operate and improve the service, as described in our Privacy Policy. Do not share sensitive personal data you would not want processed.

Outcomes depend on many factors outside our control, including your own effort, circumstances, market conditions, and decisions. We do not guarantee any specific result, income, performance, or outcome from the use of coaching, courses, or any content on the Platform.

Any examples, case studies, or testimonials describe individual experiences and are not a promise or guarantee that you will achieve the same or similar results.

You are solely responsible for your own decisions and actions, and for evaluating the accuracy, completeness, and suitability of any information provided through coaching — human or AI — before relying on it.

By using the coaching services, you agree to do so at your own discretion and risk.

To the maximum extent permitted by applicable law, Lucky North Star LLC, Marcus Vance, and any coach shall not be liable for any loss or damage — including financial loss, lost profits, or indirect or consequential damages — arising from your use of, or reliance on, the coaching services or any AI-generated output.

This disclaimer supplements, and is read together with, our Terms of Service and Terms of Sale. Nothing here excludes liability that cannot be excluded under mandatory law, including your non-waivable consumer rights.

For any question regarding this disclaimer, contact us via our legal contact form.

This disclaimer is governed by the laws of the State of Wyoming, United States, without prejudice to the mandatory consumer protections of your country of residence.

The persona is a work of creative and technological authorship. Any resemblance to real persons, living or dead, or to actual events, is purely coincidental and unintentional.

The persona is not intended to depict, identify, impersonate, endorse, or represent any real, identifiable individual, nor to use anyone's name, image, voice, or likeness. If you believe the persona inadvertently resembles a real person, contact us via our legal contact form and we will review the matter in good faith.

Content published under the "Marcus Vance" persona — including articles, courses, podcasts, coaching, and social posts — is provided for general educational and informational purposes only and may be generated, scripted, or augmented by AI.

Any examples, scenarios, figures, or testimonials shown on the Platform may be illustrative or composite and are used to demonstrate concepts. They are not a promise, guarantee, or representation of any specific outcome. See also our Coaching Disclaimer and Terms of Sale.

Nothing published or generated under the persona constitutes financial, investment, legal, tax, medical, psychological, or other regulated professional advice, and no professional or fiduciary relationship is created. Always consult a qualified, licensed professional in your jurisdiction before making decisions with financial, legal, tax, or health consequences.

You access and use the Platform and its content at your own discretion and risk. You are solely responsible for verifying any information before relying on it, and for your own decisions and their consequences.

To the maximum extent permitted by applicable law, the Platform and all content are provided "as is" and "as available", without warranties of any kind, express or implied, including any warranty of accuracy, completeness, fitness for a particular purpose, or non-infringement.

To the maximum extent permitted by applicable law, Lucky North Star LLC and its operators, contributors, and licensors shall not be liable for any loss or damage — direct, indirect, incidental, special, or consequential — arising from your use of, or reliance on, the Platform, the persona, or any AI-generated output.

By using the Platform, you agree to the dispute-resolution terms set out in our Terms of Service, including binding individual arbitration and, where enforceable, a waiver of class actions and jury trial. Disputes are governed by the laws of the State of Wyoming, United States.

Some jurisdictions do not allow the exclusion of certain warranties, the limitation of certain liabilities, or the waiver of certain consumer rights. Nothing in this disclaimer removes any right you have that cannot be waived under the mandatory law of your country of residence. Where such mandatory rights apply, the limitations above apply only to the extent permitted by that law.

For any question regarding this disclaimer, contact us via our legal contact form. This disclaimer supplements our Terms of Service, Privacy Policy, and other policies linked in the footer.