Terms and Conditions

Last updated: October 23, 2026

Please read these Terms and Conditions carefully before using our Website or purchasing any Program.

1. Interpretation and Definitions

Interpretation

Words with a capitalized first letter have the meanings defined below. These definitions apply whether the words appear in singular or plural form.

Definitions

• Account means a unique account created for You to access the Website, a Program, or any part of them.
• Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other voting securities.
• Company (also "We," "Us," or "Our") means Spear Media LLC, doing business as Rebels and The Rebel Builders, 300 Carlsbad Village Drive, Suite 108A #365, Carlsbad, CA 92008.
• Content means all training materials, videos, documents, templates, recordings, calls, and other materials provided through a Program or the Website.
• Device means any device that can access the Website, such as a computer, phone, or tablet.
• Feedback means feedback, ideas, or suggestions You send regarding the Website, a Program, or the Company.
• Program means any coaching program, course, membership, subscription, event, or service offered by the Company, including Rebels Elite, Rebels Universal, Rebels Private Coaching, Rebels Launchpad, and Always Elite, Black Book, etc.
• Promotions means contests, sweepstakes, discounts, or other promotions offered through the Website.
• Purchase means a request by You to buy a Program.
• Subscription means access to a Program offered on a recurring billing basis.
• Terms means these Terms and Conditions, which form the entire agreement between You and the Company regarding the Website and Your Purchase, except where a separate client agreement applies (see Section 14).
• Third-Party Service means any service or content provided by a third party that is displayed, included, or made available through the Website.
• Website means Zach Spear / The Rebel Builders, accessible from www.zacharyspear.com, www.mlmrebels.com, and www.therebelbuilders.com.
• You means the individual accessing the Website or purchasing a Program, or the company or legal entity on whose behalf that individual is acting.

2. Acknowledgment

These Terms govern Your use of the Website and any Program You purchase, and set out the rights and obligations of everyone who accesses or uses them.

Your access to and use of the Website and any Program is conditioned on Your acceptance of and compliance with these Terms. By accessing the Website, creating an Account, or placing a Purchase, You agree to be bound by these Terms. If You disagree with any part of these Terms, You may not access the Website or purchase a Program.

Age Requirement

The Website and all Programs are intended for individuals eighteen (18) years of age or older. By using the Website or purchasing a Program, You represent that You are at least eighteen (18) years old. Company disclaims all liability for use of the Website or any Program by anyone under the age of eighteen (18).

Privacy Policy

Your use of the Website and any Program is also conditioned on Your acceptance of the Company's Privacy Policy, which describes how We collect, use, and disclose Your personal information and explains Your privacy rights. Please read Our Privacy Policy carefully.

3. Purchasing Programs

By placing a Purchase, You warrant that You are legally capable of entering into binding contracts.

Your Information

To place a Purchase, You may be asked to provide information including Your name, email, phone number, payment card details, and billing address.

You represent and warrant that: (i) You have the legal right to use any payment card or other payment method used for Your Purchase; and (ii) the information You provide is true, correct, and complete. By submitting this information, You authorize Us to share it with third-party payment processors to complete Your Purchase. Payments will appear on your bank statement under the name Commas.com.

Purchase Refusal or Cancellation by Company

We reserve the right to refuse or cancel Your Purchase at any time, including for errors in the description or price of a Program, errors in Your Purchase, or if fraud or an unauthorized or illegal transaction is suspected.

Availability, Errors, and Inaccuracies

We regularly update Our Programs and the information on the Website. We do not guarantee that all information, including prices, descriptions, and availability, is accurate or complete at all times. We reserve the right to correct errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

Pricing

The Company reserves the right to change its prices at any time before accepting a Purchase.

4. Payments

Programs may be purchased through a one-time payment, a payment plan, layaway (layaway is only for Rebels Launchpad) or a Subscription, as offered at the time of Purchase. We accept Visa, MasterCard, American Express, and other payment methods shown at checkout.

Payment cards are subject to validation and authorization by Your card issuer. If We do not receive the required authorization, We are not liable for any delay in or failure to provide access to a Program.

Payments will appear on your bank statement under the name Commas.com.

Payment Plans

If You purchase a Program on a payment plan, the plan schedule will be set and confirmed before Your first payment is processed. Each payment is due on the date shown in Your payment schedule or invoice.

A payment plan is a way to pay the full Program price over time. It is not a month-to-month commitment. By choosing a payment plan, You agree to pay the full Program price, regardless of whether You continue to participate in, access, or complete the Program.

If a scheduled payment fails, You will have a grace period of three (3) business days to resolve it. If the payment is not resolved within that period:

• Your access to Program materials, private community groups, and scheduled calls will be paused;
• a late fee of $25 per day will apply, up to a maximum of $199; and
• the remaining balance of Your payment plan stays due and payable.

Access may be restored at the Company's discretion once all outstanding amounts and fees are paid.

Layaway

Where offered, a layaway arrangement allows You to make payments toward the agreed Program purchase price at amounts and intervals You choose, subject to any separate written layaway agreement. Access to the Program, training materials, community spaces, coaching, and other included services will begin only after the full purchase price has been paid.

Layaway is separate from a scheduled payment plan. The payment-plan provisions above regarding scheduled payment dates, missed payments, late fees, and suspension of access do not apply to layaway arrangements. No late fees apply to layaway payments.

Payments made toward layaway are subject to the Refund Policy in Section 6, except as otherwise provided in Your written layaway agreement or required by applicable law.

5. Subscriptions

Subscription Period and Automatic Renewal

Some Programs, including continued Rebels Universal membership after the initial twelve (12) month term, are offered as a Subscription. The billing amount and billing frequency (such as monthly or annually) will be shown clearly at checkout before You confirm Your Subscription.

You will be billed in advance on a recurring basis. At the end of each billing period, Your Subscription will automatically renew under the same terms unless You cancel it or the Company cancels it. By opting in to a Subscription, You authorize the Company to charge Your payment method on each renewal date until You cancel.

Cancelling a Subscription

You may cancel Your Subscription at any time by emailing [email protected] [or through Your Account settings, once available]. Cancellation takes effect at the end of Your current billing period. You will keep access until that date. Fees already paid for the current billing period are not refunded.

Billing

You agree to provide accurate and complete billing information, including full name, address, state, zip code, telephone number, and a valid payment method. If automatic billing fails, We will send an electronic invoice with a deadline for manual payment of the amount due for that billing period.

Fee Changes

The Company may change Subscription fees at its discretion. Any fee change will take effect at the end of the then-current billing period. We will give You reasonable advance notice of any fee change so You have the opportunity to cancel before it takes effect. Your continued Subscription after the change takes effect means You agree to pay the new fee.

6. Refund Policy and Chargebacks

All Sales Are Final

All payments made to Company are final. Except where required by applicable law, no refunds, credits, or exchanges will be issued for any product, program, or service purchased, in whole or in part, regardless of usage, completion, or satisfaction. By placing your order, you authorize Company to begin allocating resources immediately to provide the Services, including onboarding, coaching assignments, and program preparation. Because these resources are committed at the time of purchase, all sales are considered final.

This policy applies to one-time payments, payment plans, and Subscriptions. Stopping participation, not attending calls, or not accessing Program materials does not entitle You to a refund or release You from any remaining payments owed.

Investment Promise / Rebels Pledge

If Your Purchase expressly includes the Rebels 2x Investment Promise or Rebels Pledge (Rebels Universal, Rebels Elite, or Private Coaching), you are able to benefit from our Rebels Pledge. Eligibility, participation requirements, deadlines, claim procedures, and any available remedy are governed by the specific promise or pledge terms provided to You at the time of Purchase.

For an applicable offer, please refer to https://zacharyspear.com/pledge and any accompanying written agreement. If those offer-specific terms conflict with this Refund Policy, the offer-specific terms control solely with respect to that promise or pledge. Purchases that do not expressly include a promise or pledge remain subject to the general Refund Policy.

Chargebacks and Payment Disputes

Company does not accept, negotiate, or tolerate chargebacks or payment disputes on valid charges. If a chargeback or dispute is filed on a valid charge, Company reserves the right to contest the dispute using these Terms and any supporting documentation. You remain fully responsible for the amount owed regardless of any chargeback filed, and unpaid amounts may be referred to a collections agency.

No Waiver of Refund Policy

Any exception, accommodation, or deviation from this refund policy that Company may make at its sole discretion does not constitute a waiver of this policy and does not create any right, precedent, or expectation of similar treatment for any other client or request.

7. Program-Specific Terms

Each Program below has its own inclusions. The Refund Policy in Section 6 applies to every Program.

Rebels Elite

What's Included:

• Access to the Rebels Universal Membership Training
• 8 weekly small cohort coaching calls and weekly office hours via Zoom with a dedicated Coach
• 8 weeks of Slack communication with a Coach (responses within 24-48 business hours, excluding Sundays)
• 8 weeks of Slack communication with a fulfillment manager (responses within 24 business hours). Coach and fulfillment Slack access ends with the 8-week program unless the Client enrolls in the Always Elite Program.
• Access to the Rebels Universal Support & Coaching Facebook Group for community for an additional 10 months post-cohort (12 months total support from time of purchase)
• Access to digital platforms, training materials, and scheduled sessions constitutes full delivery of services under this Agreement.
• All coaching fees must be paid in advance. Calls not attended during the 8-week term will be forfeited.

Refunds: All payments for Rebels Elite are final and non-refundable, consistent with the Refund Policy in Section 6.

Rebels Universal

What's Included:

• Access to the Rebels Universal Membership Training
• 12 months of weekly group coaching calls related to marketing, mindset, and tech. Call topics and schedule may change.
• 12 months of access to the Rebels Universal Support & Coaching Facebook Group for community
• Access to digital platforms, training materials, and scheduled sessions constitutes full delivery of services under this Agreement.
• After the initial 12-month term, continued membership may be offered as a Subscription, governed by Section 5.

Refunds: All payments for Rebels Universal are final and non-refundable, consistent with the Refund Policy in Section 6.

Rebels Private Coaching

What's Included:

• Access to the Rebels Universal Membership Training
• 16 weekly coaching calls and weekly office hours via Zoom with a dedicated Coach (responses within 24-48 business hours, excluding Sundays)
• 16 weeks of Slack communication with a fulfillment manager (responses within 24-48 business hours, except Sundays). Coach and fulfillment Slack access ends with the 16-week program unless the Client enrolls in the Always Elite Program.
• Access to the Rebels Universal Support & Coaching Facebook Group for community for an additional 8 months post-cohort (12 months total support)
• Access to digital platforms, training materials, and scheduled sessions constitutes full delivery of services under this Agreement.
• All coaching fees must be paid in advance. Calls not attended during the 16-week term will be forfeited.

Refunds: All payments for Rebels Private Coaching are final and non-refundable, consistent with the Refund Policy in Section 6.

Rebels Launchpad

What's Included:

• Access to the Rebels Universal Membership Training (curriculum only)
• Access to digital platforms and training materials constitutes full delivery of services under this Agreement.

Refunds: All payments for Rebels Launchpad are final and non-refundable, consistent with the Refund Policy in Section 6.

Always Elite

What's Included:

• Access to the Always Elite Membership Training
• Weekly program calls on topics such as sales, marketing, and tech, plus bi-weekly mindset calls. Call topics and schedule may change.
• Access to a private Slack channel where you may receive support and coaching from our program coach within 24-48 hours, excluding Sundays.
• Free ticket to the next in-person mastermind (The Roundtable). Partner tickets are available for separate purchase. If you’re in for a full year of Always Elite you are eligible for tickets to both masterminds in that full year. Travel, lodging, and meals are not included. Tickets are non-transferable and have no cash value if unused.
• Access to digital platforms and training materials constitutes full delivery of services under this Agreement.

Refunds: All payments for Always Elite are final and non-refundable, consistent with the Refund Policy in Section 6.

Rebels Institute

What's Included:

• Access to the Rebels Universal Membership Training
• 24 months of weekly group coaching calls related to marketing, mindset, and tech. Call topics and schedule may change.
• 24 months of access to the Rebels Universal Support & Coaching Facebook Group for community
• Access to digital platforms, training materials, and scheduled sessions constitutes full delivery of services under this Agreement.
• After the initial 24-month term, continued membership may be offered as a Subscription, governed by Section 5.

Refunds: All payments for Rebels Universal are final and non-refundable, consistent with the Refund Policy in Section 6.

8. Accounts and Access

User Accounts

When You create an Account, You must provide information that is accurate, complete, and current at all times. Failure to do so is a breach of these Terms and may result in immediate termination of Your Account.

You are responsible for safeguarding Your password and for all activity under Your Account. You agree not to disclose Your password or share Your login access with anyone else. Sharing Account access is a breach of these Terms. You must notify Us immediately if You become aware of any security breach or unauthorized use of Your Account.

You may not use as a username the name of another person or entity, a name or trademark You are not authorized to use, or a name that is offensive, vulgar, or obscene.

Accounts Are Non-Transferable

Account ownership is non-transferable. Requests to transfer an Account, Program access, or Account assets to another individual, entity, or company will be denied.

Lifetime, Unlimited, and Ongoing Access

Where a Program is described as offering "lifetime," "ongoing," or “unlimited” access, such access is provided for as long as Company continues to host and offer that Program, and is contingent on your account remaining in good standing. Company may discontinue a Program or the portal through which it is delivered at its discretion, and will provide at least thirty (30) days' notice before doing so where reasonably possible.

Maintenance and Interruptions

Company will make reasonable efforts to ensure the Program and any related portals are available without interruption, but does not guarantee uninterrupted access. Temporary suspensions for maintenance, updates, or technical repairs do not constitute a breach of these Terms or entitle you to a refund.

9. Community, Testimonials, and Feedback

Pitch-Free Zone

Rebels' community spaces, including Facebook groups, Slack channels, and live coaching calls, are pitch-free zones. You agree not to promote, market, pitch, or recruit other participants into any outside business opportunity, network marketing company, coaching program, mastermind, or service, whether or not you disclose your affiliation with that opportunity. Violation of this policy may result in immediate removal from the Program without refund.

Community Confidentiality

You agree not to screenshot, record, copy, or share outside of Rebels' private community spaces any posts, comments, materials, or content shared by other participants without their express permission. You agree to keep confidential any information you learn about other participants, their businesses, or their clients, except where disclosure is required by law.

Testimonial Content for Advertising

All testimonial-type posts shared within Spear Media (The Rebel Builders) communication channels, including Slack and Facebook, are the property of Spear Media. By participating in these channels, You grant Spear Media the right to use Your testimonials in marketing and advertising, including online promotions, social media posts, and other marketing materials.

If You do not want Your testimonials used for advertising, contact [email protected] before posting in any of these channels. We will send You a media release form. Once completed, it exempts Your future testimonials from use in advertising.

Reviews and Testimonial Standards

Company welcomes honest feedback and testimonials about your experience with the Program. Reviews, feedback, or testimonials that contain confidential or proprietary information, are unrelated to the Program, or are false or misleading, are not permitted and may be removed at Company's discretion.

Your Feedback to Us

You assign all rights, title, and interest in any Feedback You provide to the Company. If for any reason that assignment is ineffective, You grant the Company a non-exclusive, perpetual, irrevocable, royalty-free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify, and exploit that Feedback without restriction and without any obligation to credit or compensate You.

10. Intellectual Property

The Website, all Programs, and all Content (excluding content provided by You or other users), including their features and functionality, are and will remain the exclusive property of the Company and its licensors. They are protected by copyright, trademark, and other laws of the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without Our prior written consent.

Purchasing a Program gives You a personal, non-transferable license to access and use the Content for Your own business. It does not transfer ownership of any Content to You.

Unauthorized Use and Liquidated Damages

You may not copy, reproduce, distribute, resell, republish, or create derivative works from any Program materials or Content without Company's express written permission. You and Company agree that the harm caused by unauthorized distribution, including lost program sales and loss of the exclusive value of the Content, would be impracticable or extremely difficult to calculate. You therefore agree that, for each person or entity that receives or accesses Program materials as a result of your breach, you will pay Company liquidated damages equal to the then-current published price of the Program, which the parties agree is a reasonable estimate of Company's damages and not a penalty. Company may also seek injunctive or other equitable relief to stop any unauthorized use.

11. Events, Assumption of Risk, and Force Majeure

Live and In-Person Events

If you participate in any live or in-person event as part of the Program, you agree to follow all posted rules, staff instructions, and safety guidance. You consent to emergency medical care and transportation if needed during the event. Company is not responsible for lost, stolen, or damaged personal property at any event. Company reserves the right to remove any participant from an event, without refund, whose conduct endangers the safety of themselves, others, or Company property.

Personal Responsibility, Assumption of Risk, and Release

You acknowledge that participation in the Program, including any live events, involves inherent risks. You voluntarily assume all risk of injury or loss and release Company, its owners, employees, agents, and contractors from any and all claims, damages, or liability arising from your participation in the Program, except to the extent caused by Company's gross negligence or intentional misconduct.

Force Majeure

Company will not be deemed in breach of these Terms if it is unable to perform any part of the Program due to circumstances beyond its reasonable control, including illness, injury, pandemic, natural disaster, labor dispute, technical failure, or government order (a "Force Majeure Event"). In the event of a Force Majeure Event, Company will provide notice where possible and may propose a revised schedule, an alternative delivery method, or, at its discretion, terminate the affected portion of the Program.

12. Communications, Third-Party Links, and Promotions

SMS Communications

• By opting in to our communications, you agree to receive periodic SMS messages related to lead generation, applicant acquisition, and other business growth strategies. These messages may include notifications about free trainings, new resources, and updates to our paid coaching programs. We may also use SMS to schedule and confirm appointments.
• You can cancel the SMS service at any time by texting "STOP" to [205-654-8894]. We will confirm your unsubscribe by SMS, and you will no longer receive SMS messages from us. To rejoin, sign up as you did initially.
• If you have issues with the messaging program, reply with the keyword HELP or contact [email protected].
• Carriers are not liable for delayed or undelivered messages.
• Message and data rates may apply. Message frequency varies. For questions about your text or data plan, contact your wireless provider.
• For privacy-related questions, please see our Privacy Policy.

Links to Other Websites

The Website may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services, and is not liable for any damage or loss caused by Your use of them. We encourage You to read the terms and privacy policies of any third-party website You visit.

Promotions

Any Promotions offered through the Website may be governed by separate rules. If those rules conflict with these Terms, the Promotion rules will apply.

If you purchase a Program within seven (7) days before the start of a promotional discount or price adjustment, Company may, at its discretion, apply the promotional price or issue a credit for the difference. Company is under no obligation to apply retroactive pricing outside of this window.

13. Termination, Disclaimers, and Liability

Termination

We may terminate or suspend Your Account or Program access immediately, without prior notice, liability, or refund, if You breach these Terms.

If You wish to end Your participation, You may stop using the Website or Program at any time. Stopping participation does not entitle You to a refund and does not release You from any remaining payments owed under a payment plan or from any obligations that by their nature continue after termination, including those in Sections 6, 9, 10, 13, and 14.

"AS IS" and "AS AVAILABLE" Disclaimer

The Website and Programs are provided "AS IS" and "AS AVAILABLE," with all faults and defects, without warranty of any kind. To the maximum extent permitted by applicable law, the Company, on its own behalf and on behalf of its Affiliates, licensors, and service providers, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and warranties arising from course of dealing, course of performance, usage, or trade practice.

Without limiting the above, the Company makes no warranty or representation that the Website or any Program will meet Your requirements, achieve any intended results, be compatible with any other software or systems, operate without interruption, or be error free, or that any errors will be corrected. Neither the Company nor its providers make any representation or warranty: (i) as to the operation or availability of the Website or the information, content, and materials on it; (ii) that the Website will be uninterrupted or error free; (iii) as to the accuracy, reliability, or currency of any information or content; or (iv) that the Website, its servers, content, or emails sent by or on behalf of the Company are free of viruses, malware, or other harmful components.

Some jurisdictions do not allow the exclusion of certain warranties or limits on consumer rights, so some of these exclusions may not apply to You. In that case, they will apply to the greatest extent enforceable under applicable law.

Limitation of Liability

Notwithstanding any damages You might incur, the entire liability of the Company and its suppliers under any provision of these Terms, and Your exclusive remedy, is limited to the amount You actually paid to the Company, or $100 USD if You have not purchased anything.

To the maximum extent permitted by law, the Company and its suppliers will not be liable for any special, incidental, indirect, or consequential damages, including loss of profits, loss of data, business interruption, personal injury, or loss of privacy, arising out of or related to the use of or inability to use the Website or any Program, even if advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages. In those states, each party's liability will be limited to the greatest extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless Company and its owners, employees, agents, and contractors from any claims, damages, losses, liabilities, and expenses, including reasonable attorneys' fees, arising out of or related to your violation of these Terms or your misuse of the Program.

14. Disputes and Governing Law

Separate Client Agreements

Purchases of and participation in Rebels programs or coaching services may be governed by a separate client agreement. If there is a conflict between these Terms and a separate client agreement, the client agreement will control with respect to the purchased program or coaching services.

Informal Resolution First

Before either party files any lawsuit or other legal claim arising out of or relating to these Terms, the party raising the issue must first send the other party written notice describing the dispute and the resolution requested. Notices to Company must be sent to [email protected]. The parties will then attempt in good faith to resolve the dispute informally for at least thirty (30) days after the notice is received. Neither party may file a claim until that 30-day period has ended. Any applicable deadline for bringing a claim will be paused during this period.

Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in Carlsbad, California. By using this website, you hereby submit to the exclusive jurisdiction and venue of these courts and consent irrevocably to personal jurisdiction in such courts and waive any defense of forum non conveniens.

Class Action and Joinder Waiver

The parties waive any right to bring claims as part of a class or collective action and agree to limit any litigation to individual claims they may have against one another.

You agree that any claim arising out of or relating to these Terms will be pursued solely in your individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative action. Except where applicable law requires otherwise, no party may join its claims with the claims of any other customer, or bring or maintain any claim in a single proceeding consolidated with the claims of any other customer, unless all affected parties agree in writing after the dispute has arisen.

If any part of the class action or joinder waiver above is found unenforceable as to a particular claim, that claim will be severed and may proceed only on an individual basis, and the rest of the waiver will remain in full force and effect for all other claims.

Time Limit for Claims and Attorneys' Fees

No claim or cause of action arising out of or related to these Terms may be brought more than one (1) year after the date the claim accrued. In any dispute between the parties, the prevailing party will be entitled to recover its reasonable attorneys' fees and costs from the other party.

Mandatory Consumer Rights

Nothing in these Terms excludes, restricts, or waives any consumer rights that cannot lawfully be excluded, restricted, or waived. Where applicable law provides a mandatory right to cancel, withdraw from a purchase, or receive a refund, Company will honor that right in accordance with that law. These Terms, including the Refund Policy, apply subject to those mandatory rights.

15. General Terms

Severability

If any provision of these Terms is held to be unenforceable or invalid, that provision will be changed and interpreted to accomplish its objectives to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Waiver

Except as provided in these Terms, failing to exercise a right or require performance of an obligation does not affect a party's ability to exercise that right or require that performance later. Waiving one breach does not waive any later breach.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country subject to a United States government embargo or designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Changes to These Terms

We may modify or replace these Terms at any time. If a change is material, We will make reasonable efforts to give at least thirty (30) days' notice before the new Terms take effect. By continuing to access the Website or Programs after the changes take effect, You agree to the revised Terms. If You do not agree, please stop using the Website and Programs.

Contact Us

If you have questions about these Terms, or need to send a written notice under Section 14, contact us:

• By email: [email protected]
• By mail: Spear Media LLC, 300 Carlsbad Village Drive, Suite 108A #365, Carlsbad, CA 92008
• On our website: zacharyspear.com/termsandconditions