Effective Date:

June 1, 2025

Welcome to Portfolio Builders Network (“PBN,” “we,” “our,” or “us”) a Lucky 38 INC. company. By accessing or using our website, services, events, or community platform (collectively, the “Services”), including any SMS or mobile messaging features, you agree to be bound by these Terms of Service (“Terms”).

1. Eligibility

You must be at least 18 years old and legally able to enter into contracts to use the Services. By using our Services, you represent that you meet these requirements.

2. Membership & Payments

Access to certain content, events, or features may require a paid membership. All payments are non-refundable unless otherwise stated in writing. We reserve the right to change pricing at any time.

3. Investment Disclaimer

PBN is not a licensed broker-dealer, investment advisor, or crowdfunding portal. All information presented is for educational and informational purposes only. Investment opportunities shared through PBN are conducted under Regulation D exemptions and may include:

Rule 506(b) Offerings: Private placements available only to existing members or those with a substantive relationship with PBN or affiliates. Up to 35 non-accredited investors may participate, subject to qualification

.Rule 506(c) Offerings: Publicly advertised offerings limited to verified accredited investors, who must complete income/net worth verification.

PBN makes no guarantees on investment performance. You are solely responsible for your due diligence and should consult your legal, financial, and tax advisors before making any investment.

4. User Conduct

You agree to use the Services lawfully and respectfully. You will not:

Share private investment opportunities outside the community; Misrepresent your identity or affiliations; Use the platform for spam, fraud, or unauthorized solicitation.

5. SMS Messaging and Consent

By providing your mobile phone number and registering for Portfolio Builders Network, you consent to receive automated and manual text messages (SMS) from us related to your account, community activities, and educational content. These messages may include welcome messages, account confirmations, security alerts, event reminders, and other transactional or informational communications relevant to your use of our services.

Message frequency may vary depending on your interactions with our platform. Standard messaging rates and fees from your mobile carrier may apply.

You have the right to opt out of receiving SMS messages at any time. To unsubscribe, simply reply STOP to any message you receive from Portfolio Builders Network. After opting out, you will no longer receive text messages from us. For help, reply “HELP” or contact us at [email protected] or 832-628-4793. Message and Data Rates: Message and data rates may apply. Check with your wireless carrier. Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages. For more details on how we collect and use your information, please see our Privacy Policy.

6. Intellectual Property

All content provided by PBN, including text, video, graphics, and logos, is the property of PBN and protected under copyright and intellectual property laws. Reproduction, distribution, or exploitation of content without express written permission is prohibited.

7. Termination

We may suspend or terminate your access to the Services at any time for violations of these Terms or applicable laws.

8. Limitation of Liability

Services are provided “as is.” PBN disclaims all warranties to the fullest extent permitted by law. We are not liable for any direct, indirect, incidental, or consequential damages, including investment or opportunity losses.

9. Compliance Statement

PBN’s communication programs are designed to comply with all applicable laws and guidelines, including:

Telephone Consumer Protection Act (TCPA)CTIA Messaging Principles & Best Practices CAN-SPAM ActA2P 10DLC carrier registration and use requirements

By using our Services, you consent to receive communications in compliance with these standards.

10. Updates to Terms

We may update these Terms from time to time. Continued use of the Services constitutes acceptance of any changes.

11. Contact Us

Email:

[email protected]

Phone:

832-628-4793