1. Overview and Acceptance of Terms

C-Suite2Go LLC ("C-Suite2Go," "CS2G," "we," "us," or "our") is the company behind BusinessWiser™, founded by Robert S. Livingston.

These Terms and Conditions ("Terms") govern access to and use of the BusinessWiser™ websites, digital publications, educational resources, business management tools, systems, programs, and related materials (collectively, "Products and Services").

By accessing or using our websites, purchasing or downloading a Product, or participating in a Program, you agree to these Terms to the extent permitted by applicable law.

If you act on behalf of a business or organization, you represent that you have authority to accept these Terms on its behalf.

These Terms apply together with applicable product descriptions, license provisions, our Privacy Policy, and any separately executed written agreements.

Where a separately executed agreement addresses a specific subject and conflicts with these Terms, the specific agreement controls for that subject.

2. Description of Products and Services

BusinessWiser™ provides digital educational resources and business management solutions designed primarily for owner-led product businesses.

Our offerings include:

Executive Guides: Digital publications covering cash flow, financial management, business decisions, growth, business optimization, and long-term value creation.
Executive Tools: Structured assessments, workbooks, reporting resources, and decision-support tools.
Kits and Bundles: Selected combinations of publications, tools, and related resources.
BusinessWiser™ Cash Flow Mastery System: An integrated, self-directed business management system containing frameworks, reporting resources, forecasting, planning, implementation guidance, and supporting materials.
BusinessWiser™ Cash Flow Accelerator Program: An independent, company-specific executive financial analysis with defined deliverables and access to the complete Cash Flow Mastery System.
Educational Content: Executive Insights, Practical Insights, Market Insights, podcasts, videos, and other published materials.

BusinessWiser™ is a digital publishing and business systems enterprise, not an ongoing consulting or coaching practice.

Individual product descriptions identify the contents, intended use, and principal deliverables of each offering.

3. Educational Purpose and Professional Advice

BusinessWiser™ publications, frameworks, tools, templates, and systems are provided for educational, informational, and internal business management purposes.

They are designed to improve understanding, financial visibility, and decision-making but do not replace the services of qualified legal, tax, accounting, investment, or other professional advisors.

The Cash Flow Accelerator Program differs from our general educational products because it provides a company-specific analysis of financial information submitted by the participating business.

However, the Accelerator does not constitute an audit, review, compilation, attestation engagement, or other assurance service.

Neither the Accelerator nor any other BusinessWiser™ offering transfers responsibility for business decisions, financial management, legal compliance, or implementation to C-Suite2Go LLC or Robert S. Livingston.

Customers remain responsible for evaluating information, determining its applicability, and making management decisions.

Before making significant business, financial, legal, tax, or strategic decisions, customers should consult appropriately qualified professional advisors.

4. Earnings and Results Disclaimer

BusinessWiser™ does not promote shortcuts, guaranteed business success, or get-rich-quick results.

Our resources emphasize disciplined thinking, financial understanding, sound management practices, and informed decision-making.

We do not guarantee any specific outcome from purchasing or using BusinessWiser™ Products or Services.

No guarantee is made concerning:

Revenue growth or profitability
Improved cash flow or liquidity
Reduced working capital requirements
Debt reduction or financing availability
Improved business valuation
Increased owner wealth
Business growth, survival, or success
Any particular financial or operating performance

Actual results depend on numerous factors, including market conditions, business circumstances, financial information, management decisions, execution, and events beyond our control.

Illustrative calculations, hypothetical examples, business scenarios, and historical experiences are intended to explain concepts and relationships.

They should not be interpreted as guarantees or representations of typical or expected outcomes.

5. Digital Products and Delivery

BusinessWiser™ is a fully digital business. No physical products are shipped.

Depending on the Product, materials may be delivered in formats including:

PDF documents
Microsoft Excel workbooks (.xlsx)
Microsoft Word documents (.docx)
Organized ZIP packages (.zip)
Digital recordings and related electronic materials

The specific files and formats included with each Product are identified in its description.

For standard downloadable Products, access instructions are ordinarily sent to the email address provided at checkout.

Customers are responsible for providing a valid email address, following the download instructions, and maintaining appropriate copies of purchased materials.

The Cash Flow Accelerator Program follows a separate delivery process because its company-specific analysis and related materials are prepared after acceptance and purchase.

We will make reasonable efforts to assist customers experiencing verified delivery or file-access problems.

6. Purchase and Payment Terms

Purchases are processed through our Shopify-powered storefront and the payment methods available at checkout.

Product prices, applicable taxes, discounts, and payment totals are presented during the purchase process.

Payment is required before access to paid downloadable Products, except where expressly stated otherwise.

Promotional offers, coupon codes, and special pricing may be subject to eligibility requirements, expiration dates, usage restrictions, and other stated conditions.

Cash Flow Accelerator Program — Free Preliminary Review

The Cash Flow Accelerator Program follows a separate process designed to determine whether the engagement is appropriate before any purchase or payment is required.

The process is:

The prospective customer reviews the Program information and illustrative report materials.
C-Suite2Go LLC and the prospective customer execute a confidentiality agreement (NDA).
The prospective customer submits the requested financial information.
Robert S. Livingston conducts a preliminary review at no charge.
The preliminary findings and suitability of the engagement are discussed with the prospective customer.
Both parties make a go/no-go decision about proceeding with the paid analysis.

There is no charge for the preliminary review and no obligation to purchase the Cash Flow Accelerator Program.

Only after both parties agree to proceed does the customer receive instructions to purchase the Program through the designated checkout process.

No paid analysis begins before the required purchase has been completed.

7. Refunds and Cancellations

Downloadable Digital Products

Because BusinessWiser™ publications, tools, kits, bundles, and systems are digitally delivered, purchases are generally final and non-refundable once digital access has been provided, except where required by applicable law or expressly provided in a Product-specific policy.

If a purchased Product cannot be accessed because of a verified delivery or technical problem, customers should contact us so that we can attempt to resolve the issue.

Cash Flow Accelerator Program

The preliminary review and go/no-go discussion are provided without charge or purchase obligation.

Customers are billed only after the preliminary review has been completed and both parties have agreed to proceed.

Once the customer purchases the Program and the paid engagement begins, the purchase is generally non-refundable, except where required by applicable law or expressly agreed in writing.

Nothing in these Terms limits rights or remedies that cannot legally be excluded.

8. Digital Content Licensing

All BusinessWiser™ digital materials are licensed for permitted use rather than sold as unrestricted intellectual property.

Subject to payment and compliance with these Terms, C-Suite2Go LLC grants the purchasing customer a non-exclusive, non-transferable, non-sublicensable license to use the purchased materials for personal educational purposes or the internal operations of the purchasing business, as applicable.

Permitted Use

Customers may:

Read and reference purchased publications.
Use tools, frameworks, and templates within the purchasing business.
Enter their own business information into applicable workbooks and documents.
Customize editable templates for authorized internal business purposes.
Share purchased materials internally with employees and authorized personnel who require access for the purchasing business's permitted use.

Prohibited Use

Without prior written permission, customers may not:

Resell, sublicense, or commercially distribute BusinessWiser™ materials.
Publish purchased content on public websites or file-sharing platforms.
Share purchased materials with unrelated businesses or external organizations.
Repackage materials as their own commercial products.
Distribute materials to third parties as part of consulting, training, or resale services.
Remove copyright, trademark, or other proprietary notices.
Claim ownership of BusinessWiser™ intellectual property.

Internal business use does not transfer ownership of the underlying intellectual property.

Additional Product-specific licensing terms, where expressly provided, also apply.

9. Tools, Workbooks, and Templates

BusinessWiser™ tools, spreadsheets, models, dashboards, and templates are designed to support business understanding, financial visibility, and management decision-making.

Their usefulness depends on the accuracy and completeness of information entered, correct interpretation, and appropriate management judgment.

Customers are responsible for:

Verifying financial and operating data.
Reviewing calculations and outputs before relying on them.
Determining whether assumptions are appropriate for their business.
Maintaining records and backups.
Protecting confidential information.
Evaluating recommendations and management implications.
Deciding whether and how to implement changes.

No tool, workbook, model, or framework guarantees accurate results when data inputs, assumptions, classifications, or usage are incorrect.

10. Cash Flow Accelerator Program

The BusinessWiser™ Cash Flow Accelerator Program provides an independent executive-level analysis of financial information supplied by the participating business.

Free Preliminary Review and Acceptance

Participation begins with a no-cost preliminary review process.

Before financial information is submitted, the parties execute a confidentiality agreement.

The prospective customer then provides the requested financial statements and supporting information.

Robert S. Livingston reviews the information to determine whether it is sufficiently complete and appropriate for the proposed analysis.

Following that review, the parties discuss the suitability of the engagement and determine whether to proceed.

Either party may decline to proceed.

No payment is required unless both parties agree to move forward.

Paid Program Deliverables

Following acceptance and purchase, the Program includes the deliverables described in the applicable Product offering, including:

A written executive financial analysis report.
A prioritized action plan.
A recorded explanation of the analysis and findings.
Up to five follow-up questions by email.
Permanent access to the complete BusinessWiser™ Cash Flow Mastery System, subject to its applicable license terms.

The customer is responsible for providing complete and accurate financial information and confirming authorization to submit it.

C-Suite2Go LLC does not independently audit or verify all submitted financial records.

The analysis is based on the information provided and is intended to support management understanding and decision-making.

It does not constitute an audit, assurance engagement, or guarantee of financial results.

The customer remains responsible for all management decisions and implementation.

The separately executed confidentiality agreement governs the handling of confidential information submitted in connection with the engagement.

11. Intellectual Property and Copyright

BusinessWiser™ publications, written content, frameworks, tools, templates, branding, graphics, recordings, and other original materials are protected by applicable copyright, trademark, and intellectual property laws.

Except for the limited license expressly granted, no ownership or intellectual property rights are transferred to the customer.

BusinessWiser™, its associated Product names, framework names, and identifying marks may not be used in a manner that suggests unauthorized ownership, affiliation, sponsorship, or endorsement.

No content may be copied, republished, redistributed, or commercially exploited except as expressly permitted under these Terms or with prior written authorization.

All rights not expressly granted are reserved.

12. Confidentiality and Customer Information

C-Suite2Go LLC recognizes that financial and operating information supplied in connection with the Cash Flow Accelerator Program may be confidential.

Confidentiality obligations concerning such information are governed by the separately executed confidentiality agreement and any other applicable written provisions.

Customer information collected through our websites, storefront, and related services is handled in accordance with our Privacy Policy and applicable law.

Authorized service providers may be used for payment processing, digital delivery, communications, and other necessary business operations, subject to applicable privacy requirements.

Customers should not submit confidential financial information through channels that have not been designated for that purpose.

13. Electronic Communications

By purchasing Products or communicating electronically with C-Suite2Go LLC, customers agree to receive transactional communications necessary to administer their purchase or engagement.

These may include:

Order confirmations and receipts.
Digital download instructions.
Product access communications.
Program-related correspondence.
Important service or policy notices.

Marketing communications are governed by applicable consent requirements and unsubscribe rights.

Customers are responsible for maintaining an accurate contact email address.

14. Product Availability and Technical Limitations

We endeavor to maintain reliable access to our websites, storefront, and digital delivery services.

However, uninterrupted access cannot be guaranteed.

Temporary interruptions may result from maintenance, service-provider outages, technical problems, or circumstances beyond our reasonable control.

We may update, correct, or improve our Products and delivery processes.

Unless expressly stated otherwise, purchasing a Product does not create an entitlement to future editions, unrelated Products, or newly developed resources.

15. Disclaimer of Warranties

To the maximum extent permitted by applicable law, BusinessWiser™ Products and Services are provided on an "as is" and "as available" basis.

C-Suite2Go LLC disclaims implied warranties to the extent legally permitted, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that any Product or Service will meet every customer's requirements, operate without interruption or error, or produce a particular business result.

Nothing in this section excludes warranties or rights that cannot legally be disclaimed.

16. Limitation of Liability

To the maximum extent permitted by applicable law, the total aggregate liability of C-Suite2Go LLC, Robert S. Livingston, and their representatives for all claims arising from or relating to a particular BusinessWiser™ Product or Service shall not exceed the amount actually paid by the customer for that Product or Service.

Neither C-Suite2Go LLC nor Robert S. Livingston shall be liable for indirect, incidental, consequential, special, or punitive damages, including lost profits, lost business opportunities, or business interruptions, to the extent permitted by applicable law.

These limitations do not apply to liabilities that cannot legally be excluded or limited.

17. Indemnification

To the extent permitted by applicable law, customers agree to indemnify and hold harmless C-Suite2Go LLC, Robert S. Livingston, and their officers, employees, contractors, and authorized representatives against third-party claims, damages, liabilities, and reasonable expenses arising from:

Unlawful use or unauthorized distribution of BusinessWiser™ materials.
Material violation of these Terms.
Infringement of third-party rights resulting from the customer's conduct.
Misuse of Products in violation of applicable law.

This provision does not require indemnification for claims caused by C-Suite2Go LLC's own unlawful conduct or for matters where indemnification is prohibited by law.

18. Termination of License

C-Suite2Go LLC may suspend or terminate a Product license for a material breach of these Terms, subject to applicable law.

Upon valid termination, the customer must discontinue unauthorized use and distribution and delete copies to the extent required by law and the applicable license.

Termination does not eliminate accrued payment obligations or provisions intended to survive termination.

19. Binding Arbitration and Governing Law

Governing Law

These Terms and any dispute arising from or relating to the purchase, access, licensing, or use of BusinessWiser™ Products or Services shall be governed by the laws of the State of Texas, without regard to its conflict-of-law principles, except where applicable law requires otherwise.

The Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement to the extent applicable.

Good-Faith Resolution

Before initiating arbitration, the parties agree to make a reasonable good-faith effort to resolve the dispute through direct written communication.

Binding Arbitration

Except for disputes that applicable law does not permit to be resolved through mandatory arbitration, any dispute, controversy, or claim arising out of or relating to these Terms,

BusinessWiser™ Products or Services, or a related transaction shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its applicable rules.

The arbitration shall take place in Waco, Texas, unless the parties mutually agree otherwise or applicable law requires a different location or method of participation.

The arbitration shall be conducted before one neutral arbitrator selected in accordance with the applicable AAA rules.

The arbitrator may award remedies available under applicable law, subject to lawful limitations contained in these Terms.

Arbitration fees and costs shall be allocated in accordance with applicable AAA rules and governing law.

Judgment on the arbitration award may be entered in any court having jurisdiction.

Individual Proceedings and Class-Action Waiver

To the extent permitted by applicable law, disputes shall be resolved on an individual basis rather than through class, collective, or representative arbitration or litigation.

Waiver of Jury Trial

To the extent permitted by applicable law, the parties waive the right to a jury trial for disputes subject to this arbitration agreement.

Mandatory Legal Rights

Nothing in this section limits rights or remedies that cannot lawfully be waived, prevents a party from seeking relief in a court where arbitration is prohibited by law, or overrides applicable legal requirements concerning arbitration fairness, fees, venue, or enforceability.

If a particular provision of this arbitration section is found unenforceable, the remaining provisions shall continue to apply to the extent permitted by law.

20. Changes to These Terms

C-Suite2Go LLC may update these Terms to reflect changes in Products, Services, operations, or legal requirements.

The current version will be published on our website with its effective date.

Changes will apply prospectively unless otherwise permitted by applicable law and the terms governing an existing purchase.

Material changes affecting existing contractual rights will be handled in accordance with applicable law.

21. Additional Legal Provisions

Severability: If any provision is found invalid or unenforceable, the remaining provisions shall remain in effect to the extent legally permitted.

No Waiver: Failure to enforce any provision does not constitute a waiver of the right to enforce it later.

Assignment: Customers may not assign their rights under these Terms without prior written consent, except where applicable law provides otherwise.

Entire Agreement: These Terms, together with applicable Product-specific terms, separately executed agreements, and incorporated policies, constitute the agreement governing the relevant purchase or use.

Headings: Section headings are included for convenience and do not alter the interpretation of these Terms.

22. Contact Information

For Product support, purchase questions, or legal inquiries:

C-Suite2Go LLC
BusinessWiser™
Email: info@csuite2go.com

C-Suite2Go LLC, Robert S. Livingston &

BusinessWiser™ Terms and Conditions

Effective Date: October 18, 2026