Learn & Earn Club

Terms of Service

Learn and Earn Club Publications · Last updated: July 15, 2026

1. Agreement to These Terms

These Terms of Service ("Terms") are an agreement between you and Capital P Holdings, Inc. d/b/a Learn and Earn Club ("we," "us," "our," or "Learn and Earn Club"). We publish one or more email newsletters and related publications (each, a "Publication," and collectively, the "Publications" or the "Services"). These Terms govern your subscription to and use of any Publication we offer, including, for example, The Residuary, together with any web pages, content, products, or services we provide in connection with a Publication, whether or not the Publication is specifically named in these Terms.

By subscribing to, accessing, or using any Publication, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not subscribe to or use the Services.

Where you subscribe to more than one Publication, these Terms apply separately to each subscription. Each paid subscription has its own term, renewal, price, and cancellation right, and cancelling one Publication does not cancel any other.

We deliver the Services using third-party platforms, including Beehiiv and its payment processor, Stripe. Your use of the Services is also subject to the terms and policies of those platforms where applicable; those terms govern your relationship with the platform, not with us, and we are not responsible for them.

2. Eligibility; United States Only

You must be at least 18 years old and a resident of, and located in, the United States to use the Services.

The Publications are offered solely to U.S. residents and are not directed to persons outside the United States. By using the Services, you represent and warrant that you are at least 18 and a U.S. resident. The Publications are not offered or directed to individuals in the European Union, European Economic Area, United Kingdom, Switzerland, or other non-U.S. jurisdictions, and we do not undertake to comply with the GDPR, UK GDPR, or other non-U.S. data protection or consumer laws. If you are located outside the United States, do not subscribe to or use the Services. We reserve the right to refuse, suspend, or terminate service to, and to unsubscribe and remove, any person who is not a U.S. resident.

3. No Legal Advice; No Attorney-Client Relationship

The Publications are informational and editorial publications. They are not legal, tax, financial, accounting, or other professional advice, and nothing in them should be relied upon as such.

To the fullest extent permitted by law, we disclaim all liability for any action taken or not taken in reliance on the Publications. Reliance on any content of the Publications is solely at your own risk.

4. Subscriptions, Billing, and Cancellation

a. Plans and pricing

The Publications are offered as paid subscriptions. We may also offer free tiers, free trials, or promotional access at our discretion, and we may add, remove, or modify Publications, plans, tiers, content, frequency, and features at any time. We may set, test, and change our prices, discounts, and promotional offers at any time, and prices may differ between Publications. Any price or plan change applies to new purchases and to renewals occurring after the change takes effect; it does not change the price of a term you have already paid for. The specific Publication, price, billing period, and any promotional or introductory terms applicable to your subscription are those disclosed to you at the point of purchase for that Publication.

If we increase the price that will apply to your renewal, we will provide advance notice of the change as required by applicable law before the increased price takes effect, along with instructions on how to cancel. Where applicable law requires, we will either obtain your consent to the new price or give you the opportunity to cancel before the increased price is charged.

b. Annual term and automatic renewal

Paid subscriptions are sold on an annual (one-year) term unless a different term is stated at purchase. YOUR SUBSCRIPTION AUTOMATICALLY RENEWS FOR SUCCESSIVE ONE-YEAR TERMS. AT THE START OF EACH RENEWAL TERM, YOUR PAYMENT METHOD WILL BE CHARGED THE THEN-APPLICABLE RENEWAL PRICE, UNTIL YOU CANCEL. YOU WILL BE CHARGED UNLESS YOU CANCEL BEFORE THE RENEWAL DATE.

If your subscription began at a promotional, introductory, or discounted price, it will renew at the standard (non-promotional) price then in effect, unless we expressly state a different renewal price at the point of purchase.

c. Payment

Payments are processed by Stripe through our platform provider, Beehiiv. By purchasing a subscription, you authorize us and our payment processor to charge your payment method for the initial term and for each renewal term at the then-applicable price, and to receive updated payment details from your card issuer or bank as permitted by the processor. You are responsible for keeping your payment information current. If a payment fails, is reversed, or is disputed, we may suspend or terminate your paid access to the affected Publication.

d. Cancellation

You may cancel any subscription at any time through the self-service subscription-management (billing) portal, which you can reach from the account or billing link we provide. Cancellation through the portal is available online, without contacting us and without any additional steps. If you subscribe to more than one Publication, you must cancel each subscription independently.

Cancellation stops future renewals and future charges for the cancelled Publication. You will retain access to that paid subscription through the end of the term you have already paid for; cancellation takes effect at the end of that term.

e. No refunds

Except where required by applicable law, all subscription fees are non-refundable. We do not provide refunds or credits for partial periods, unused time, or the remaining portion of any term after you cancel. Cancelling stops future charges but does not entitle you to a refund of amounts already paid.

f. Renewal reminders

Several states require us, as the seller of an automatically renewing annual subscription, to send you a reminder before a renewal charge. Where applicable law requires it, we will send you an advance renewal reminder, in the manner required by that law, stating the renewal date, the amount to be charged, and how to cancel. This Section describes how we satisfy those statutory notice obligations; it does not create a separate contractual guarantee beyond what applicable law requires, and if a required reminder is not delivered, your remedy is the one provided under the applicable statute rather than any additional contractual remedy.

g. Unsubscribing from emails is not the same as cancelling

Using the "unsubscribe" link in an email stops email delivery but does not, by itself, cancel a paid subscription or stop future billing. To stop billing, you must cancel your subscription as described in Section 4(d).

5. Advertising and Third-Party Content

The Services may contain advertising, sponsorships, and links to or content from third parties, served directly by us or through a third-party advertising network, including Beehiiv's. We do not endorse, and are not responsible for, third-party products, services, content, or websites, and your dealings with advertisers or third parties are solely between you and them. Advertising and data practices related to advertising are described in our Privacy Policy.

6. Acceptable Use

You agree not to:

7. Intellectual Property

All content of the Publications, including text, editorial, graphics, logos, the names and branding of our Publications (including "The Residuary" and "Learn & Earn Club"), and the selection and arrangement of content, is owned by Learn and Earn Club or its licensors and is protected by intellectual property laws.

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and read the Publications you subscribe to for your own use. Your subscription is for your individual use unless you purchase a team, firm, or enterprise subscription. You may not share account credentials, routinely forward complete issues, distribute complete issues through an internal mailing list, or otherwise provide systematic access to non-subscribers. You may share brief excerpts for noncommercial purposes with appropriate attribution and a link to the applicable Publication, subject to applicable law.

If you submit feedback, suggestions, comments, or ideas to us, you grant us a perpetual, royalty-free, irrevocable right to use them without obligation, attribution, or compensation to you.

8. Disclaimer of Warranties

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY CONTENT IS ACCURATE, COMPLETE, CURRENT, OR RELIABLE.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL LEARN AND EARN CLUB, ITS OWNER(S), OFFICERS, EMPLOYEES, CONTRACTORS, AUTHORS, CONTRIBUTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR PROFESSIONAL OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

10. Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless Learn and Earn Club and its owner(s), officers, employees, contractors, authors, contributors, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Services, your violation of these Terms, or your violation of any law or third-party right.

11. Termination

We may suspend or terminate your access to the Services, including unsubscribing you, at any time and for any reason, including if we believe you have violated these Terms. If we terminate your paid subscription without cause and not due to your breach, our sole obligation is a pro-rata refund of the unused portion of your then-current paid term. You may stop using the Services at any time by cancelling as described in Section 4(d). Sections that by their nature should survive termination, including Sections 3, 4(e), 7, 8, 9, 10, 12, and 13, survive.

12. Governing Law; Dispute Resolution

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Services will be brought exclusively in the state or federal courts located in Cook County, Illinois, and you consent to the personal jurisdiction of those courts. Nothing in this Section deprives you of protections that cannot lawfully be waived under the law of your state of residence.

13. General

These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Services. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may. We may update these Terms by posting a revised version and updating the "Last updated" date; material changes will be communicated by email or a notice in the newsletter, and your continued use after the changes take effect constitutes acceptance.

14. Contact

Learn and Earn Club
TermsOfService@learnearnclub.com