TLAB.BIZ

GLOBAL TERMS & CONDITIONS

Last Updated: September 2, 2026

1. INTRODUCTION

Welcome to TLAB.biz (“Website”).

These Global Terms & Conditions (“Terms,” “Terms & Conditions,” or “Agreement”) govern your access to and use of the TLAB.biz website and any seminars, workshops, courses, presentations, educational programs, digital content, memberships, events, communications, materials, products, and related services made available through or by TLAB (collectively, the “Services”).

TLAB is a financial education brand operated by and/or through Indefinite Resources LLC (“Indefinite Resources”), its parent company.

For purposes of these Terms, “TLAB,” “we,” “us,” and “our” refer to TLAB and, where applicable, Indefinite Resources LLC and their respective affiliates, representatives, instructors, presenters, contractors, and service providers.

By accessing the Website, registering for or attending a seminar or event, purchasing a Service, downloading or accessing educational materials, or otherwise using the Services, you acknowledge that you have read, understood, and agreed to these Terms.

If you do not agree to these Terms, you should not use the Website or Services.

2. ABOUT TLAB

TLAB is a financial education organization focused on improving financial literacy and helping individuals understand financial concepts, strategies, products, structures, and principles.

Educational topics may include, without limitation:

  • Financial literacy;

  • Personal finance;

  • Budgeting;

  • Saving;

  • Cash-flow management;

  • Debt management;

  • Wealth-building concepts;

  • Financial independence;

  • Generational wealth;

  • Business financial literacy;

  • Life insurance;

  • Indexed Universal Life (“IUL”) insurance;

  • Cash-value life insurance;

  • Infinite Banking Concepts (“IBC”);

  • Roth IRAs;

  • Traditional IRAs;

  • Retirement planning concepts;

  • Employer retirement plans;

  • Trusts;

  • Estate-planning concepts;

  • Asset-protection concepts;

  • Business structures;

  • Tax concepts;

  • Tax-advantaged strategies;

  • Section 508(c)(1)(A) concepts;

  • Nonprofit and organizational structures;

  • Legacy planning; and

  • Other financial and educational subjects.

The particular subjects discussed may vary by seminar, course, instructor, presenter, program, or educational material.

3. FINANCIAL EDUCATION — NOT INDIVIDUALIZED PROFESSIONAL ADVICE

Unless expressly stated in a separate written agreement with an appropriately licensed or qualified professional, the Services are intended solely for general financial education and informational purposes.

TLAB does not, merely by providing the Services, provide individualized:

  • Investment advice;

  • Securities advice;

  • Financial-planning advice;

  • Insurance advice;

  • Tax advice;

  • Legal advice;

  • Accounting advice;

  • Estate-planning advice;

  • Retirement-planning advice;

  • Fiduciary advice;

  • Lending advice;

  • Credit advice; or

  • Other regulated professional advice.

Information presented through the Services should not be interpreted as a recommendation that any particular financial product, insurance policy, investment, retirement account, trust, business structure, tax strategy, nonprofit structure, or other strategy is appropriate or suitable for you.

Your individual circumstances may materially affect the suitability, legality, cost, taxation, risk, and potential outcome of any strategy.

You are solely responsible for determining whether any strategy, product, service, or financial decision is appropriate for you.

4. NO PROFESSIONAL RELATIONSHIP

Your use of the Website or participation in a TLAB seminar, course, workshop, program, or other Service does not create an:

  • Attorney-client relationship;

  • Accountant-client relationship;

  • Financial-advisor-client relationship;

  • Investment-adviser-client relationship;

  • Insurance-agent-client relationship;

  • Fiduciary relationship;

  • Trustee-beneficiary relationship;

  • Tax-advisor-client relationship;

  • Broker-client relationship; or

  • Other professional or advisory relationship,

unless such a relationship is separately established in writing with an appropriately licensed or qualified professional.

5. FINANCIAL PRODUCTS AND STRATEGIES

TLAB may discuss or provide educational information concerning financial products, insurance products, investment concepts, retirement accounts, trusts, business structures, tax concepts, and other financial strategies.

The discussion of any product, strategy, company, financial institution, insurance carrier, account, service, or structure does not necessarily constitute:

  • An offer;

  • A solicitation;

  • An endorsement;

  • A recommendation;

  • A suitability determination;

  • A guarantee;

  • A representation of future performance; or

  • An invitation to purchase or enter into any transaction.

Financial products and strategies may involve significant risks, fees, expenses, commissions, surrender charges, taxes, contractual limitations, liquidity restrictions, market risk, interest-rate risk, inflation risk, credit risk, opportunity costs, and the potential loss of money or benefits.

You should review applicable contracts, prospectuses, policy documents, account agreements, disclosures, and other governing documents before making financial decisions.

6. INDEXED UNIVERSAL LIFE (“IUL”)

TLAB may provide educational information concerning Indexed Universal Life insurance.

IUL is a form of life insurance and is not the same as directly investing in a stock-market index.

IUL policies may contain complex provisions relating to:

  • Premiums;

  • Cost of insurance;

  • Administrative charges;

  • Cash value;

  • Death benefits;

  • Indexing methods;

  • Participation rates;

  • Caps;

  • Floors;

  • Spreads;

  • Guaranteed values;

  • Policy loans;

  • Withdrawals;

  • Surrender charges;

  • Lapse provisions; and

  • Other contractual provisions.

Illustrations are not guarantees of future performance. Historical index performance does not guarantee future results.

Policy loans and withdrawals may reduce cash value and/or death benefits and may have other consequences. Failure to properly fund or maintain a policy may result in reduced benefits or policy lapse.

The suitability and performance of any IUL policy depend on numerous factors, including policy design, premium funding, insurance costs, carrier terms, crediting methodology, loan activity, interest rates, fees, and individual circumstances.

TLAB does not guarantee that any IUL policy or strategy will produce a particular result.

7. INFINITE BANKING CONCEPTS (“IBC”)

TLAB may provide educational information concerning the Infinite Banking Concept (“IBC”) and related cash-flow and cash-value life insurance concepts.

IBC is not a bank account, checking account, savings account, or federally insured deposit account.

IBC strategies may involve properly structured cash-value life insurance and the use of policy loans or other mechanisms.

Policy loans may accrue interest and may affect policy values, death benefits, costs, and long-term performance.

Results can vary substantially depending upon policy design, funding, expenses, carrier provisions, loan activity, interest rates, crediting performance, and other factors.

TLAB does not guarantee that any individual will achieve financial independence, wealth accumulation, cash-flow improvement, or any other result through IBC or any related strategy.

8. ROTH IRAs AND RETIREMENT ACCOUNTS

TLAB may provide general educational information concerning:

  • Roth IRAs;

  • Traditional IRAs;

  • Employer-sponsored retirement plans;

  • Rollovers;

  • Roth conversions;

  • Contributions;

  • Distributions;

  • Taxation;

  • Penalties; and

  • Retirement-planning concepts.

Eligibility requirements, contribution limits, taxation, distribution rules, penalties, and other requirements may vary based on applicable law and individual circumstances.

Tax and retirement rules may change.

Nothing in the Services constitutes individualized retirement, investment, or tax advice.

9. TRUSTS AND ESTATE-PLANNING CONCEPTS

TLAB may discuss trusts, estate planning, asset protection, legacy planning, and related subjects for educational purposes.

TLAB does not provide legal advice merely by discussing these subjects.

Trust and estate laws vary substantially by jurisdiction and individual circumstances.

You should not create, modify, transfer assets to, fund, or terminate a trust or other legal structure based solely upon general educational information.

You should consult an appropriately qualified attorney and other professional advisors before implementing any estate-planning or asset-protection strategy.

10. SECTION 508(c)(1)(A)

TLAB may provide educational information concerning Section 508(c)(1)(A) of the U.S. Internal Revenue Code and related nonprofit, religious, organizational, or tax concepts.

Nothing provided by TLAB constitutes a determination that any particular organization:

  • Qualifies under Section 508(c)(1)(A);

  • Is tax-exempt;

  • Is a religious organization;

  • Is a nonprofit organization;

  • Is exempt from federal, state, local, or foreign taxes;

  • Is exempt from registration or reporting requirements; or

  • Is otherwise entitled to any particular legal or tax treatment.

Specific facts, organizational structures, activities, jurisdictional requirements, and applicable law determine the treatment of any organization.

Professional legal and tax advice should be obtained before establishing or operating an organization under any tax-exempt or nonprofit structure.

11. TAX INFORMATION

Any tax-related information provided through the Services is for general educational purposes only.

Tax laws and regulations are complex and may change.

Tax treatment may vary depending upon your jurisdiction, income, assets, transactions, organizational structure, residency, citizenship, and other circumstances.

TLAB does not provide individualized tax advice or guarantee any particular tax result.

You should consult an appropriately qualified tax professional regarding your individual circumstances.

12. NO GUARANTEE OF RESULTS

TLAB does not guarantee any particular:

  • Financial result;

  • Investment result;

  • Insurance result;

  • IUL result;

  • IBC result;

  • Retirement result;

  • Tax result;

  • Business result;

  • Wealth-building result;

  • Cash-flow result;

  • Debt-reduction result;

  • Financial-independence result; or

  • Other outcome.

Any examples, projections, illustrations, calculations, historical information, hypothetical scenarios, testimonials, case studies, or statements regarding potential outcomes are provided for educational purposes unless expressly stated otherwise in a separate written agreement.

Individual results vary.

13. HYPOTHETICAL EXAMPLES AND ILLUSTRATIONS

The Services may contain hypothetical examples involving assumptions concerning:

  • Income;

  • Expenses;

  • Contributions;

  • Withdrawals;

  • Interest rates;

  • Index performance;

  • Investment returns;

  • Insurance performance;

  • Taxes;

  • Inflation;

  • Time periods;

  • Fees;

  • Premiums; or

  • Other financial variables.

Actual results may differ materially from hypothetical examples.

Hypothetical examples should not be interpreted as predictions, promises, guarantees, or representations of future results.

14. THIRD-PARTY PRODUCTS, SERVICES, AND PROFESSIONALS

TLAB may reference, discuss, recommend that you research, or provide access to third-party companies, professionals, products, services, financial institutions, insurance carriers, attorneys, accountants, advisors, educators, or other organizations.

Unless expressly stated otherwise, TLAB does not control third parties.

TLAB is not responsible for the:

  • Performance;

  • Conduct;

  • Fees;

  • Policies;

  • Services;

  • Products;

  • Representations;

  • Availability;

  • Privacy practices;

  • Financial condition; or

  • Legal or regulatory compliance

of third parties.

You are responsible for conducting your own due diligence before engaging any third party.

15. REFERRALS, COMPENSATION, AND BUSINESS RELATIONSHIPS

TLAB, Indefinite Resources LLC, their affiliates, instructors, presenters, employees, contractors, representatives, or other related persons may have business, ownership, referral, compensation, commission, employment, marketing, or other relationships with third parties.

Where disclosure of such relationships is required by applicable law, TLAB intends to provide appropriate disclosure.

The existence of a business relationship, referral arrangement, compensation arrangement, or other relationship does not mean that a particular product, service, strategy, or professional is suitable for you.

16. ADVERTISING, TESTIMONIALS, ENDORSEMENTS, AND RESULTS

TLAB may use or display testimonials, reviews, case studies, interviews, social-media posts, photographs, videos, presentations, statements, or other representations concerning the experiences of individuals.

Such statements reflect the experiences or opinions of the individuals making them and may not be representative of the experience of other customers or participants.

Testimonials and individual experiences are not guarantees of future results.

TLAB does not represent that any individual will achieve the same or similar results as another person.

TLAB intends to use truthful and non-misleading advertising and to provide disclosures concerning material relationships where required by applicable law.

Nothing in these Terms authorizes TLAB or any representative to make an objective claim without an appropriate factual basis or required substantiation.

17. SEMINAR, EVENT, COURSE, AND PROGRAM REGISTRATION

Registration, enrollment, and payment may be required to participate in TLAB seminars, workshops, courses, programs, memberships, events, or other educational offerings.

By completing registration or payment, you agree to provide accurate and complete registration and payment information.

TLAB reserves the right, where reasonably necessary, to change the:

  • Date;

  • Time;

  • Location;

  • Format;

  • Instructor;

  • Speaker;

  • Curriculum;

  • Content; or

  • Other aspects

of an educational offering.

TLAB may limit attendance or refuse registration where permitted by applicable law.

TLAB may cancel or reschedule an event or program when reasonably necessary.

Event-specific terms, notices, or requirements may supplement these Terms.

18. NO REFUNDS

ALL PURCHASES AND REGISTRATION FEES FOR TLAB SEMINARS, WORKSHOPS, COURSES, PROGRAMS, MEMBERSHIPS, EVENTS, EDUCATIONAL MATERIALS, AND OTHER PAID SERVICES ARE NON-REFUNDABLE.

TLAB does not provide refunds, credits, reimbursements, or exchanges for:

  1. Failure to attend an event or program;

  2. Late arrival or early departure;

  3. Change of plans;

  4. Personal circumstances;

  5. Scheduling conflicts;

  6. Failure to use purchased educational materials or Services;

  7. Dissatisfaction with educational content;

  8. Dissatisfaction with a presenter, instructor, speaker, or presentation;

  9. Failure to achieve a particular financial, business, investment, insurance, tax, retirement, wealth-building, or other result; or

  10. A decision not to participate after completing a purchase or registration.

If TLAB cancels an event or program and does not provide a reasonable substitute, TLAB may, at its discretion, provide an alternative date, transfer of registration, credit, or another reasonable remedy.

Nothing in this Section is intended to exclude, restrict, or waive any refund, cancellation, withdrawal, chargeback, statutory, or other consumer right that cannot legally be waived under applicable law.

No representation concerning potential financial, business, investment, insurance, tax, retirement, wealth-building, or other outcomes creates a right to a refund or reimbursement.

19. INTELLECTUAL PROPERTY

All names, logos, trademarks, service marks, text, graphics, presentations, videos, audio, courses, curriculum, worksheets, manuals, training materials, frameworks, software, Website design, and other proprietary content made available through the Services are owned, licensed, or otherwise lawfully used by TLAB, Indefinite Resources LLC, or their respective licensors.

Nothing in these Terms transfers ownership or intellectual-property rights to you.

20. LIMITED LICENSE TO EDUCATIONAL MATERIALS

Subject to your compliance with these Terms, TLAB grants you a limited, non-exclusive, non-transferable, revocable license to access and use educational materials solely for your personal, non-commercial educational purposes.

You may not, except with prior written authorization or where otherwise permitted by applicable law:

  • Resell TLAB materials;

  • Reproduce proprietary curriculum;

  • Republish materials;

  • Upload proprietary materials to public websites;

  • Distribute course materials;

  • Remove copyright or proprietary notices;

  • Create derivative commercial products;

  • Teach TLAB’s proprietary curriculum commercially;

  • Distribute recordings or course content;

  • Use TLAB materials to create a competing commercial product; or

  • Otherwise commercially exploit proprietary TLAB content.

21. RECORDING, PHOTOGRAPHY, AND MEDIA

TLAB events, seminars, workshops, presentations, and programs may be photographed, filmed, recorded, or livestreamed.

By attending an event, you understand that you may appear incidentally in photographs, video, audio, or other recordings.

Where required by applicable law, TLAB will provide appropriate notice or obtain applicable consent.

If you do not wish to be recorded or photographed, you should notify TLAB personnel and follow any procedures provided for opting out.

22. WEBSITE CONTENT

TLAB makes reasonable efforts to provide useful and accurate information.

However, TLAB does not warrant that all Website content or educational materials are:

  • Complete;

  • Current;

  • Accurate;

  • Error-free;

  • Applicable to every person;

  • Applicable in every jurisdiction; or

  • Continuously available.

Financial, insurance, tax, legal, regulatory, and other information may change after publication.

You should independently verify important information before relying upon it.

23. WEBSITE AND SERVICE AVAILABILITY

TLAB does not guarantee that the Website or Services will always be available, uninterrupted, secure, or error-free.

The Website or Services may be temporarily unavailable because of:

  • Maintenance;

  • Updates;

  • Technical problems;

  • Hosting problems;

  • Internet disruptions;

  • Telecommunications failures;

  • Cybersecurity incidents;

  • Third-party failures; or

  • Other circumstances beyond TLAB’s reasonable control.

24. INTERNATIONAL USERS

TLAB intends its educational content to be accessible to individuals internationally.

However, financial products, insurance products, retirement accounts, trusts, nonprofit structures, tax strategies, business structures, and other concepts discussed by TLAB may not be:

  • Available;

  • Legal;

  • Regulated;

  • Recognized;

  • Tax-advantaged;

  • Appropriate; or

  • Permitted

in every country or jurisdiction.

You are responsible for determining whether your use of the Services and implementation of any strategy complies with the laws applicable to you.

25. MANDATORY LOCAL RIGHTS

Nothing in these Terms is intended to exclude, restrict, or waive any consumer protection, statutory right, warranty, remedy, cancellation right, refund right, or other legal protection that cannot lawfully be excluded or waived in your jurisdiction.

Where mandatory law conflicts with these Terms, the mandatory law will control to the extent of the conflict.

26. PRIVACY AND DATA PROTECTION

Your use of the Website and Services may involve the collection, use, storage, and processing of personal information.

Such activities are governed by TLAB’s applicable Privacy Policy and International Data Protection Notice, together with any additional notices or consents required by applicable law.

Where applicable, users may have rights concerning their personal information, including rights of access, correction, deletion, restriction, objection, portability, or other rights provided by law.

27. ELECTRONIC COMMUNICATIONS

By using the Website or Services, you consent, where legally permitted, to receive electronic communications relating to:

  • Transactions;

  • Registrations;

  • Purchases;

  • Events;

  • Programs;

  • Account matters;

  • Services;

  • Educational materials; and

  • Other administrative matters.

Marketing communications will be handled in accordance with applicable consent and opt-out requirements.

You may unsubscribe from marketing communications where an applicable opt-out mechanism is provided.

28. PROHIBITED CONDUCT

You may not use the Website or Services to:

  • Violate applicable law;

  • Commit fraud;

  • Misrepresent your identity;

  • Impersonate another person or entity;

  • Gain unauthorized access to systems;

  • Circumvent security measures;

  • Interfere with the Website or Services;

  • Introduce malicious code or malware;

  • Infringe intellectual-property rights;

  • Scrape or extract proprietary information in an unauthorized manner;

  • Resell unauthorized access or materials;

  • Reverse engineer the Website except where prohibited restrictions are not enforceable under applicable law;

  • Harass, threaten, abuse, or harm others; or

  • Engage in any conduct that materially interferes with the Website, Services, or rights of others.

29. SUSPENSION AND TERMINATION

TLAB may suspend or terminate access to the Website or Services where permitted by applicable law if you:

  • Violate these Terms;

  • Engage in unlawful conduct;

  • Misuse the Services;

  • Infringe intellectual-property rights;

  • Create security risks;

  • Engage in fraud; or

  • Otherwise create a material risk to TLAB, Indefinite Resources LLC, other users, or third parties.

Provisions that by their nature should survive termination will continue to apply after termination.

30. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE, SERVICES, CONTENT, EDUCATIONAL MATERIALS, AND RELATED INFORMATION ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TLAB DISCLAIMS EXPRESS OR IMPLIED WARRANTIES, INCLUDING WARRANTIES OF:

  • MERCHANTABILITY;

  • FITNESS FOR A PARTICULAR PURPOSE;

  • TITLE;

  • NON-INFRINGEMENT;

  • ACCURACY;

  • AVAILABILITY;

  • RELIABILITY; AND

  • SUITABILITY.

TLAB does not warrant that:

  • The Website will always be available;

  • Information will always be current;

  • Content will be error-free;

  • Services will meet your expectations;

  • The Website will be uninterrupted;

  • The Website will be free from security vulnerabilities; or

  • You will achieve any particular financial or other result.

Nothing in this Section excludes a warranty or right that cannot legally be excluded.

31. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TLAB, INDEFINITE RESOURCES LLC, THEIR PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, INSTRUCTORS, PRESENTERS, AGENTS, REPRESENTATIVES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE OR SERVICES.

THIS INCLUDES, WITHOUT LIMITATION, LOSSES ARISING FROM OR RELATING TO DECISIONS INVOLVING:

  • Investments;

  • Insurance;

  • IUL;

  • IBC;

  • Retirement accounts;

  • Taxes;

  • Trusts;

  • Estate planning;

  • Business structures;

  • Organizational structures;

  • Wealth-building strategies;

  • Financial decisions; or

  • Other financial strategies.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TLAB AND INDEFINITE RESOURCES LLC SHALL NOT BE RESPONSIBLE FOR LOSSES RESULTING FROM YOUR RELIANCE ON GENERAL EDUCATIONAL INFORMATION WITHOUT OBTAINING APPROPRIATE PROFESSIONAL ADVICE.

WHERE LIABILITY CANNOT LAWFULLY BE EXCLUDED, LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

32. INDEMNIFICATION

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless TLAB, Indefinite Resources LLC, and their respective parents, subsidiaries, affiliates, officers, directors, members, managers, employees, contractors, instructors, presenters, agents, representatives, licensors, and service providers from claims, liabilities, damages, losses, costs, expenses, and reasonable attorneys’ fees arising from or relating to:

  1. Your violation of these Terms;

  2. Your violation of applicable law;

  3. Your unauthorized use of the Website or Services;

  4. Your violation of another person’s rights;

  5. Your infringement or misuse of intellectual property;

  6. Your unauthorized distribution or use of TLAB materials; or

  7. Decisions or actions you take based upon information obtained through the Services.

This provision does not apply to the extent prohibited by applicable law.

33. CHILDREN AND MINORS

The Services are not intended to provide individualized financial services or individualized financial advice to children.

Where a minor participates in an educational event or uses the Services, participation should occur with appropriate parental or legal-guardian involvement and consent where required by applicable law.

34. GOVERNING LAW

To the extent permitted by applicable law, these Terms shall be governed by and interpreted under the laws of the Commonwealth of Virginia, United States of America, without regard to conflict-of-law principles.

Nothing in this Section is intended to deprive a consumer of mandatory protections provided by the laws of the jurisdiction in which the consumer resides when those protections cannot lawfully be waived.

35. DISPUTE RESOLUTION

Before commencing formal legal proceedings, the parties should, where legally permissible, attempt in good faith to resolve disputes informally.

A party seeking informal resolution should provide written notice describing:

  • The nature of the dispute;

  • Relevant facts;

  • The requested resolution; and

  • Contact information for communication concerning the dispute.

If the dispute cannot be resolved informally, the parties may pursue remedies in a court or other legally appropriate forum having jurisdiction.

Nothing in this Section prevents a party from seeking emergency or injunctive relief where permitted by law.

36. CLASS ACTIONS, JURY WAIVERS, AND OTHER WAIVERS

Any provision concerning arbitration, class-action waivers, jury waivers, or similar procedural rights shall apply only to the extent that such provision is legally enforceable in the applicable jurisdiction.

Nothing in these Terms is intended to waive a right that cannot legally be waived.

37. SEVERABILITY

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision shall be modified or limited to the minimum extent necessary to make it enforceable where permitted by law.

If modification is not possible, the affected provision shall be severed to the extent necessary, and the remaining provisions shall continue in full force and effect.

38. NO WAIVER

A failure or delay by TLAB or Indefinite Resources LLC in enforcing any provision of these Terms does not constitute a waiver of that provision or any other provision.

A waiver must be expressly provided to be effective.

39. ASSIGNMENT

You may not assign or transfer your rights or obligations under these Terms without the prior written consent of TLAB, except where such restriction is prohibited by applicable law.

TLAB and/or Indefinite Resources LLC may assign or transfer these Terms in connection with a merger, acquisition, reorganization, sale of assets, change of ownership, corporate restructuring, or similar transaction.

40. FORCE MAJEURE

TLAB and Indefinite Resources LLC shall not be responsible for delays, interruptions, failures, or inability to perform caused by circumstances beyond their reasonable control, including:

  • Natural disasters;

  • Government actions;

  • War;

  • Terrorism;

  • Civil emergencies;

  • Labor disputes;

  • Power failures;

  • Telecommunications failures;

  • Internet disruptions;

  • Cybersecurity incidents;

  • Hosting failures;

  • Third-party service failures; or

  • Other events beyond reasonable control.

41. CHANGES TO THESE TERMS

TLAB may modify these Terms from time to time.

The most current version will be posted on the Website with an updated “Last Updated” date.

Where permitted by applicable law, continued use of the Website or Services following publication of revised Terms constitutes acceptance of the revised Terms.

Where additional notice or affirmative consent is legally required, TLAB will provide such notice or seek such consent.

42. ENTIRE AGREEMENT

These Terms, together with:

  • TLAB’s Privacy Policy;

  • International Data Protection Notice;

  • Financial Education & Risk Disclosure;

  • Event or registration terms;

  • Purchase terms;

  • Other policies incorporated by reference; and

  • Any separate written agreement applicable to a particular Service,

constitute the agreement governing your use of the applicable Services.

If a separate written agreement expressly conflicts with these Terms concerning the subject matter of that agreement, the separate written agreement shall control to the extent of the conflict.

43. NO THIRD-PARTY BENEFICIARIES

Except for TLAB, Indefinite Resources LLC, and the protected persons and entities expressly identified in these Terms, these Terms do not create rights for third parties unless otherwise required by applicable law.

44. CONTACT INFORMATION

TLAB
A financial education brand operated by and/or through Indefinite Resources LLC

Website: TLAB.biz

Legal/Compliance Email: [email protected]

Mailing Address: 2965 Colonnade Drive, Roanoke, VA 24018

Telephone: (888)-802-4033

45. ACKNOWLEDGMENT AND ACCEPTANCE

By accessing the Website, registering for or attending a seminar, purchasing or accessing a Service, downloading educational materials, or otherwise using the Services, you acknowledge and agree that:

  1. You have read and understood these Terms;

  2. The primary purpose of the Services is financial education and information;

  3. General educational information is not a substitute for individualized professional advice;

  4. Financial products and strategies involve risks;

  5. IUL, IBC, Roth IRAs, trusts, estate planning, Section 508(c)(1)(A), tax strategies, business structures, and related subjects may involve complex legal, tax, financial, insurance, and regulatory considerations;

  6. Individual circumstances and results vary;

  7. TLAB does not guarantee financial or other results;

  8. You are responsible for conducting your own due diligence;

  9. You should consult appropriately qualified professionals before implementing financial, legal, tax, insurance, retirement, estate-planning, or other regulated strategies;

  10. Purchases and registration fees are generally non-refundable as provided in Section 18; and

  11. You agree to these Terms to the maximum extent permitted by applicable law.

© 2026 TLAB / INDEFINITE RESOURCES LLC

All Rights Reserved.