Membership Agreement & Terms of Service

Overview

This Membership Agreement (“Agreement”) governs your participation in the 1in20 coaching membership program, including all masterclasses, mastermind groups, one-on-one coaching sessions, office hours, community access, downloadable tools, templates, playbooks, and any other content or services made available to you (collectively, the “Program”).

By completing enrollment, submitting payment, or accessing any portion of the Program, you acknowledge that you have read, understood, and agreed to be bound by this Agreement in its entirety.

Parties & Legal Entity

The Program is operated by Phil Black LLC, a Michigan limited liability company, doing business as 1in20 (hereinafter “1in20,” “Company,” “we,” or “us”). All agreements, obligations, and legal relationships arising under this Agreement are between the Member and Phil Black LLC d/b/a 1in20.

References to “1in20” throughout this Agreement refer to Phil Black LLC d/b/a 1in20 and its authorized agents, successors, and assigns.

Membership & Access

Annual Commitment

Membership requires a minimum twelve (12) month commitment. By enrolling, you agree to pay all monthly membership dues for the full twelve-month term, regardless of your level of participation or satisfaction with the Program. Enrollment grants you immediate access to all Program benefits and materials from the date of your first payment.

What’s Included

The following are included in a standard 1in20 membership:

• Placement in a small, private mastermind group of non-competing residential construction business owners
• Live bi-weekly workshops and masterclasses (conducted via video conferencing)
• Quarterly one-on-one coaching sessions
• A kickoff call at the start of your membership
• Office hours access
• Community platform access for peer connection and discussion
• A library of recorded workshops and masterclass replays
• Downloadable tools, templates, playbooks, and frameworks

Changes to Features

1in20 reserves the right to modify, update, add, or remove features, tools, or content included in the Program at any time and without prior notice. Changes to the Program do not constitute grounds for cancellation, refund, or reduction in membership dues.

Pricing

Membership fees are set at the time of enrollment. 1in20 reserves the right to adjust pricing for new and renewing members at its sole discretion. Your rate at time of enrollment will remain in effect for your current term. Upon renewal, the then-current membership rate will apply.

Billing & Payment Authorization

Monthly Billing

Membership fees are billed on a monthly basis on or around the same date each month corresponding to your enrollment date. By enrolling, you authorize 1in20 to automatically charge the payment method on file each month for the duration of your membership term.

Payment Authorization

You represent and warrant that you are the authorized user of the payment method provided, and that you authorize 1in20 to charge that payment method for all recurring membership fees, any additional services purchased, and any collection costs or fees described in this Agreement.

Sales Tax

Applicable sales tax may be charged depending on your state of residence and the nature of the services rendered. By providing your billing address, you authorize 1in20 to assess and collect any applicable sales tax as required by law.

Late Payments

Any amount not paid when due is subject to a late fee of 1.5% per month (18% per annum) on the unpaid balance, or the maximum rate permitted by applicable law, whichever is less. Late fees begin accruing on the first day following the missed payment date.

Failed Payments & Collections

Declined or Returned Payments

If a payment is declined, rejected, or returned for any reason, you remain fully responsible for the outstanding payment obligation. 1in20 may, at its discretion, attempt to reprocess the payment one or more times. Access to the Program may be suspended immediately upon a failed payment and will not be restored until all outstanding balances are paid in full.

Collections

Any unpaid balance that remains outstanding following reasonable notice may be referred to a third-party collections agency. You agree to be responsible for all reasonable costs of collection, including but not limited to late fees, accrued interest, third-party collections agency fees, and reasonable attorney’s fees incurred by 1in20 in enforcing this Agreement.

Civil Action

1in20 reserves the right to pursue unpaid balances through civil legal proceedings, including small claims court. In the event of legal action, you agree to pay all court costs, filing fees, and reasonable attorney’s fees incurred by 1in20 in connection with such proceedings, in addition to any amounts originally owed.

Attorney’s Fees

In any dispute, collection action, or legal proceeding arising from or relating to this Agreement in which 1in20 is the prevailing party, 1in20 shall be entitled to recover its reasonable attorney’s fees and costs from the non-prevailing party.

Refund Policy

No Refunds

All membership fees are non-refundable. Because membership grants immediate access to all Program content, tools, community, and scheduled sessions upon enrollment, no prorated, partial, or full refunds will be issued for any reason, including but not limited to: cancellation, dissatisfaction, non-participation, change of business circumstances, or failure to use Program benefits.

Cancellation by 1in20

In the event that 1in20 terminates a Member’s participation for any reason — at 1in20’s sole discretion — the Member will receive a prorated refund of any prepaid, unused portion of their membership term. This is the sole circumstance under which a refund will be issued.

Member Cancellation

If you choose not to renew your membership at the end of your annual term, your membership will be cancelled and access will end at the close of the current paid term. Early cancellation during a term does not entitle you to a refund for any remaining months in the term.

If you are dissatisfied with the Program, we encourage you to remain engaged for the duration of your term, take what value you can, and simply choose not to renew.

Membership Termination & No Re-Admission

Termination by 1in20

1in20 reserves the right to terminate any Member’s participation in the Program at any time, for any reason, at its sole discretion. Reasons may include, but are not limited to: violation of this Agreement, breach of community conduct standards, non-payment, or any conduct 1in20 determines to be harmful to the Program or its members. Upon termination by 1in20, the Member will receive a prorated refund for any unused portion of the current paid term.

Removal from Group

You may be asked to leave your specific mastermind group or the Program as a whole at any time, for any reason. If your membership is terminated by 1in20 as a result, you will receive a prorated refund for any future unused portion of your paid term.

No Re-Admission

Once a Member’s participation in the 1in20 Program ends — whether by voluntary cancellation, non-renewal, or termination — re-admission to the Program is not guaranteed and is not available as a matter of right. Any request for re-admission will be considered entirely at the sole and absolute discretion of 1in20. 1in20 has no obligation to consider, respond to, or grant any request for re-admission.

Market Exclusivity

Within-Group Protection

No two members placed within the same mastermind group will share the same primary trade in the same metro market, as determined by 1in20. This protection is a core promise of the 1in20 Program and is applied at the time of group placement.

Definition of Metro Market

For purposes of this section, “metro market” is defined based on a Member’s single primary facility or headquarters address at the time of enrollment. Conflicts are evaluated by 1in20 based on this address, primary trade category, and reasonable geographic market overlap.

Active Membership Required

Within-group market protection is a benefit of active, paid membership only. It takes effect upon enrollment and ends immediately and automatically upon the lapse, cancellation, or termination of membership — with no grace period.

Expansion of Service Area

If a Member expands their business into additional markets or states after enrollment, such expansion does not constitute grounds for removal from the Program or grounds for any other existing Member to exit the Program or claim a refund.

Phil’s Discretion

All determinations regarding market exclusivity, conflict resolution, and group placement are made at the sole discretion of 1in20. In edge cases or ambiguous situations, 1in20’s determination is final and binding.

Note: “Market exclusivity” as used in this Agreement refers solely to group composition within the 1in20 community and does not constitute a non-compete agreement, territorial restriction, or limitation on any Member’s right to operate and grow their business in any geography.

Group Placement & Non-Compete Within Groups

Group Assignment

Members are placed into one of 1in20’s private mastermind groups at the time of enrollment. Group placement is determined by 1in20 based on trade, geography, group availability, and other factors at 1in20’s sole discretion. Members do not have the right to select or demand placement in a specific group.

If Competitive Overlap Arises

If, after enrollment, it comes to 1in20’s knowledge that a Member has become a direct competitor to another Member within the same group, 1in20 will make a reasonable effort to move the affected Member(s) to a separate group if one is available. 1in20 does not guarantee that a suitable alternative group will be available. The existence of competitive overlap between group members does not entitle any Member to a refund, cancellation, or any other remedy under this Agreement. All parties agree to handle such situations professionally and in good faith.

No Control Over Members’ Business Activity

This Agreement does not restrict, control, or prohibit any Member’s business activity, competitive conduct, or geographic expansion outside of the group environment.

Software, Ideas & General Knowledge

Group exclusivity applies to group membership composition only. Tools, software applications, concepts, ideas, and general business strategies discussed within the Program are not proprietary to any individual Member. Any tools or intellectual property created by 1in20 and made available to Members remain the property of 1in20.

Community Conduct

Ground Rules

All Members are expected to conduct themselves with professionalism, respect, and integrity at all times within the 1in20 community, live sessions, and any other Program environment. The following conduct standards apply:

• Treat all Members, coaches, and staff with courtesy and respect.
• Do not solicit other Members, share contact information with other Members, or conduct direct outreach to other Members outside of designated channels, unless explicitly permitted (e.g., within an elevated access tier).
• Do not use community channels to advertise, recruit, or promote outside products, services, or programs.
• Do not post or transmit content that is defamatory, harassing, threatening, obscene, or otherwise inappropriate for a professional business environment.
• Do not attempt to identify or contact other Members’ employees, clients, or business partners using information learned in the Program.

Violations

1in20 reserves the right to remove content, suspend community access, or terminate membership, with or without notice, for any violation of these standards or any other provision of this Agreement.

Confidentiality & Non-Disclosure

The Nature of This Community

The 1in20 Program is built on a foundation of radical transparency, trust, and mutual respect. Members are encouraged to share sensitive and confidential information about their businesses — including financial data, employee details, competitive strategies, client relationships, and personal challenges. This openness is only possible when every Member commits to treating what they hear with the utmost discretion and care.

Trust is not optional here. It is the foundation of everything.

Confidentiality Obligation

Each Member agrees that all information shared by other Members, by 1in20, or by any coach or speaker within the Program — including but not limited to financial figures, business practices, operational strategies, personnel matters, client names, trade secrets, and personal circumstances — is strictly confidential (“Confidential Information”).

You agree to:

• Keep all Confidential Information in strict confidence;
• Not disclose, share, reproduce, or transmit any Confidential Information to any third party, in any form, without the express written consent of the disclosing party;
• Use Confidential Information solely for your own business learning and improvement within the Program;
• Treat everything you hear in the Program as though it were shared from a vault — it stays inside.

Mutual Confidentiality

1in20 likewise agrees to treat information shared by Members with care and confidentiality. 1in20 will not share or sell any Member’s personal or business information to third parties, nor will 1in20 contact any Member’s customers, employees, or business relationships using information obtained through the Program.

Violation Penalties

Any breach of this confidentiality obligation shall be considered a material breach of this Agreement and may result in immediate termination of membership without refund. 1in20 reserves the right to pursue all available legal remedies for damages arising from a breach of confidentiality, which may be significant given the nature of information shared within the Program.

Non-Disclosure Agreement

By enrolling in the Program and agreeing to these terms, each Member also agrees to be bound by this confidentiality provision as a standalone non-disclosure agreement between the Member and 1in20, and as a mutual obligation among all Program Members. This provision survives the termination or expiration of this Agreement.

Intellectual Property

Ownership

All content, materials, frameworks, playbooks, templates, tools, methodologies, recordings, slide decks, worksheets, and other Program materials created and provided by 1in20 are the sole and exclusive intellectual property of Phil Black LLC d/b/a 1in20, protected by applicable copyright, trademark, and intellectual property laws.

Limited License to Members

Upon enrollment, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use Program materials solely for your own internal business purposes. This license does not permit you to share, reproduce, distribute, resell, sublicense, or otherwise exploit any Program materials outside of your own business.

Prohibition on Sharing

Each piece of content, template, playbook, or tool delivered to you is uniquely tagged and provided to you individually. You may not copy, share, reproduce, transmit, or distribute any Program materials to any third party — in whole or in part — without the express prior written permission of 1in20. Violation of this provision is grounds for immediate termination and may subject the Member to legal action.

Tools Created in Collaboration

Any tools, templates, frameworks, or other materials created by 1in20 in the course of working with you — whether during coaching sessions, strategy calls, or otherwise — remain the intellectual property of 1in20. You retain the right to use such tools within your own business pursuant to the license granted above.

Content & Recording Restrictions

No Downloading

Downloading, saving, screen-recording, or otherwise capturing any video or audio content made available through the Program is strictly prohibited. Program recordings are provided for viewing within the Program platform only. Violations are grounds for immediate removal and may subject the Member to legal action.

No Third-Party AI Recording Tools

Members may not use third-party AI tools, transcription services, bots, or similar automated tools to record, transcribe, or capture session content without the prior written consent of 1in20. This includes but is not limited to services such as Fireflies.ai or similar ambient AI recording tools.

Copyright Protection

All Program content — including recordings, frameworks, downloadable materials, and live presentations — is protected by copyright law. Unauthorized reproduction or distribution constitutes copyright infringement and may result in civil and criminal liability.

Sessions & Scheduling

Member Missed Sessions

If a Member misses any scheduled session — including but not limited to kickoff calls, quarterly coaching calls, masterclasses, or office hours — the Member remains responsible for payment for that session. Missed sessions are non-refundable and will not be rescheduled except at the sole discretion of 1in20.

1in20 Session Changes

1in20 reserves the right to reschedule, adjust, or — in rare circumstances — cancel any session, workshop, masterclass, or coaching call due to illness, travel, emergencies, or other circumstances. In such cases, 1in20 will make reasonable efforts to provide an alternative date. No refund, credit, or compensation will be issued in connection with any session rescheduled or cancelled by 1in20.

The Triple Guarantee

The Promise

1in20 stands behind the results of this Program. Within your first thirty (30) days, we will work together to identify at least $25,000 in hidden opportunities inside your business — wasted time, lost profit, and untapped revenue. Over the following six months, we will work side by side to implement the systems to unlock those opportunities.

Every 1in20 member who participates fully can expect to save time, cut waste, and generate meaningful new revenue. If you do not feel those results taking shape in your business within six months, 1in20 will personally work with you at no additional cost until you do — including extra coaching sessions, additional support, and free membership months if necessary.

Qualification Requirements

To qualify for The Triple Guarantee, a Member must meet all of the following participation requirements during their first six months of membership:

1. Attend a minimum of four (4) live workshops or masterclasses;
2. Complete their kickoff call at the beginning of membership;
3. Attend all scheduled quarterly one-on-one coaching calls;
4. Attend a minimum of three (3) office hours sessions;
5. Take meaningful action on the roadmap steps developed during the kickoff call and subsequent coaching sessions; and
6. Remain in good standing by keeping membership dues current and maintaining timely, responsive communication with their coach throughout the term.

Limitation

The Triple Guarantee does not entitle a Member to a refund of any membership fees paid. The remedy is limited to additional coaching, support sessions, and/or complimentary membership months, as determined at the discretion of 1in20. The Guarantee is void if any qualification requirement above is not met.

CRM & Data Access

In order to deliver personalized coaching and properly maintain any tools, templates, or CRM materials made available to you as part of the Program, you may be asked to share necessary data – doing so is at your discretion. 1in20 will not share or sell your business data, client information, or operational details to any third party, and will not contact your customers or employees directly. Access provided for program purposes is used solely to improve and deliver the services described in this Agreement.

Disclaimer & Limitation of Liability

No Guarantee of Results

The 1in20 Program is educational and coaching in nature. While 1in20 stands behind the quality and value of the Program, individual results vary based on each Member’s business, market conditions, effort, experience, and other factors outside of 1in20’s control. Nothing in this Agreement or the Program constitutes a guarantee of specific financial results, revenue growth, cost savings, or business outcomes.

Not Legal, Tax, or Financial Advice

Nothing provided through the 1in20 Program — including coaching, templates, playbooks, frameworks, tools, legal document examples, or any other materials — constitutes legal advice, tax advice, financial advice, or investment advice. Any legal document examples shared are provided for reference purposes only and must be reviewed by your own qualified attorney to ensure applicability to your business, jurisdiction, and specific circumstances.

All decisions regarding your business operations, finances, legal matters, and tax obligations should be made with the guidance of appropriate licensed professionals.

Limitation of Liability

To the maximum extent permitted by applicable law, 1in20, Phil Black LLC, and their members, managers, agents, coaches, employees, and contractors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or related to your participation in the Program or use of any Program materials — including but not limited to lost profits, lost revenue, business interruption, or any other commercial loss. In no event shall 1in20’s aggregate liability exceed the total membership fees paid by you in the three (3) months preceding the event giving rise to the claim.

Chargebacks & Payment Disputes

All payments made under this Agreement are final. Initiating a chargeback or payment dispute with your financial institution for any services rendered under this Agreement constitutes a material breach of this Agreement. Upon initiation of a chargeback, 1in20 reserves the right to:

• Immediately suspend or terminate your access to the Program and all associated benefits;
• Pursue collection of the disputed amount plus all applicable late fees, interest, collection costs, and attorney’s fees; and
• Pursue legal action as described in Section 5 of this Agreement.

If you have a billing concern, you agree to contact 1in20 directly at info@1in20.com before initiating any dispute with your payment provider.

Testimonials & Media Release

By enrolling in the Program, you grant 1in20 a perpetual, irrevocable, royalty-free, worldwide license to use any testimonials, written comments, video recordings, audio recordings, photographs, case studies, or other content in which you appear or which you have voluntarily submitted or participated in, for marketing, promotional, and educational purposes.

This license survives the termination or expiration of your membership. 1in20 may use such content in any medium or format, including but not limited to websites, social media, email, advertising, presentations, and course materials, without further notice, compensation, or consent.

Modifications to This Agreement

1in20 reserves the right to modify, update, or revise this Agreement at any time. When material changes are made, 1in20 will update the “Last Updated” date at the top of this document. Continued membership and participation in the Program following any such changes constitutes your acceptance of the revised Agreement. It is your responsibility to review this Agreement periodically.

Governing Law & Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of laws principles. Any dispute, claim, or controversy arising out of or relating to this Agreement or the Program shall be resolved in the state or federal courts located in Ingham County, Michigan, and you hereby consent to the personal jurisdiction and venue of such courts.

In any action or proceeding to enforce this Agreement, the prevailing party shall be entitled to recover its reasonable attorney’s fees and costs from the non-prevailing party.

Contact

Questions, concerns, or legal notices under this Agreement should be directed to:

By enrolling in the 1in20 Program, you confirm that you have read, understood, and agree to be bound by this Agreement in full. A fully executed copy of this Agreement, signed and dated by both parties, will be provided to you upon enrollment.