Terms of Use

Section 01Acceptance of Terms

These Terms of Use form a binding agreement between you and Consult Us, LLC, a Wyoming limited liability company doing business as EverLife Capital (“we,” “us,” “our,” “Consult Us, LLC,” or “EverLife Capital”). Your use of the Site or Services constitutes acceptance of these Terms in full. We may update these Terms at any time. Continued use after an update constitutes acceptance of the revised Terms.

You must be 18 or older to use the Site or Services. The Services are not directed to individuals under 18.

Section 02About EverLife Capital and Educational Purpose

EverLife Capital is an independent publication that produces educational research on longevity biotechnology companies and aging-related science. Content is intended for entrepreneurs, operators, and investors aged 45 and over who want to understand the longevity biotech sector early.

All research notes, company write-ups, framework documentation, and tracker entries use the 25-Gate evaluation framework (currently v4.1). The framework is a methodology for organizing publicly available information about early-stage and clinical-stage longevity biotech companies. It is not a recommendation engine and does not produce buy or sell signals.

EverLife Capital maintains a Hypothetical Research Tracker (Internal Reference Framework) for the purpose of testing the 25-Gate framework against real companies over time. The Tracker uses internal reference weightings sized against a notional reference total. The Tracker is illustrative only. No capital is deployed. No positions are taken on behalf of any reader. No pooled vehicle exists. No subscriber capital is accepted, managed, or solicited.

The Hypothetical Research Tracker is not a model portfolio, investment model, simulated account, managed account, or performance reporting system. Any references to hypothetical allocations or framework weightings are organizational research tools only and should not be interpreted as investment recommendations or simulated investment returns.

Section 03No Investment Advice and No Securities Offer

EverLife Capital does not provide investment advice. Neither Consult Us, LLC nor any individual author is registered as an investment adviser with the U.S. Securities and Exchange Commission, any state securities authority, or any non-U.S. regulator. The publication operates as a newsletter and educational research site, not as an advisory service.

Nothing on the Site or in the Services constitutes a recommendation to buy, sell, hold, or otherwise transact in any security, token, fund interest, or other financial instrument. Specific companies, programs, and mechanism classes are discussed solely as educational material. You are solely responsible for your own investment decisions and should consult a licensed financial professional before acting on any information contained on the Site.

Nothing on the Site constitutes an offer to sell, solicitation of an offer to buy, or recommendation of any security or investment product. References to private companies, including but not limited to Repair Biotechnologies and Yuva Biosciences, are for educational and informational purposes only.

Your use of the Site does not create a fiduciary, advisory, brokerage, attorney-client, or medical-provider relationship between you and Consult Us, LLC, EverLife Capital, or any author.

This publication is impersonal and not tailored to the investment needs of any specific person.

Section 04No Medical Advice

EverLife Capital does not provide medical advice. Content on the Site discusses biological mechanisms, clinical research, drug development programs, and aging-related science for educational purposes only.

Nothing on the Site is a diagnosis, treatment, recommendation, or substitute for the advice of a qualified medical professional. Do not start, stop, or modify any medical treatment, supplement regimen, exercise program, or wellness protocol based on information from EverLife Capital. Consult a licensed physician or other qualified healthcare provider before making any medical decision.

Discussions of mechanisms, biomarkers, supplements, therapeutics, or experimental interventions should not be interpreted as claims regarding efficacy, safety, disease prevention, or life extension in humans.

References to personal wellness practices, biomarker tracking, supplementation, or longevity protocols by any author are personal accounts only and are not health recommendations for any reader.

Section 05Forward-Looking Statements, Estimates, and Source Reliance

Site content may contain forward-looking statements regarding clinical milestones, regulatory pathways, market size, company valuations, mechanism-of-action hypotheses, and similar topics. Forward-looking statements are based on publicly available information and the author’s analysis at the time of publication. They are inherently uncertain and may prove incorrect.

All company valuations referenced on the Site, including enterprise value, market capitalization, cash position, and burn rate estimates, are estimates compiled from public filings, press releases, financial data providers, and similar sources. Numbers may be stale by the time you read them. Verify directly from primary sources (10-Q, 10-K, S-1, 8-K, company press releases) before making any decision based on any figure published on the Site.

Information presented on the Site may rely on third-party data sources, company filings, press releases, scientific publications, analyst commentary, or management statements that have not been independently verified by EverLife Capital. Any historical observations, hypothetical scenarios, or framework outcomes discussed on the Site are illustrative only and do not guarantee future results.

The Site may contain errors, omissions, outdated information, or inaccuracies despite reasonable efforts to maintain accuracy.

You should not rely exclusively on information presented on the Site when making financial, investment, medical, legal, tax, or business decisions.

Section 06Conflicts of Interest and Author Holdings Disclosure

The author of EverLife Capital, Eric Pemper, personally holds the following equity positions and discloses them as material conflicts of interest whenever the relevant companies or their mechanism classes are discussed. These holdings are personal to the author and are not held by Consult Us, LLC or any related entity:

• Repair Biotechnologies (private). The author holds an equity position acquired through direct participation. Repair Biotechnologies is also tracked within the Hypothetical Research Tracker. This is a disclosed conflict whenever Repair Biotechnologies or its mechanism class is discussed.
• Yuva Biosciences (private). The author holds a separate personal equity position in Yuva Biosciences. Yuva Biosciences is not included in the Hypothetical Research Tracker. This is a disclosed conflict whenever Yuva Biosciences or its mechanism class is discussed.

Additional conflicts, if any, are disclosed inline in the relevant article or research note. You should assume that the author’s holdings, biases, and prior commercial relationships may affect coverage. Read accordingly.

Section 07Subscriptions, Premium Content, and Payments

Some Services are offered on a free basis. Other Services, including premium research notes, methodology documentation, and selected framework materials, may be offered as paid subscriptions billed by Consult Us, LLC. Subscription pricing, billing cadence, and refund terms are disclosed at the point of purchase.

All payments are processed by third-party providers. We do not store full payment card details. Refund requests are evaluated on a case-by-case basis and are not guaranteed.

You may cancel a paid subscription at any time. Cancellation stops future billing and ends access to premium content at the conclusion of the then-current billing period.

Section 08Affiliate Relationships and Compensation Disclosures

EverLife Capital may receive compensation from affiliate relationships, sponsorships, referral arrangements, conference partnerships, advertising, or other commercial relationships, either currently or in the future. Where any material compensation relationship is associated with specific content, that relationship will be disclosed in connection with that content in accordance with applicable Federal Trade Commission and other disclosure rules.

Receipt of compensation, where it exists, does not alter the educational nature of the publication or the conflict-of-interest disclosures provided in Section 6. Commercial relationships do not necessarily influence editorial coverage, and material compensation relationships will be disclosed where appropriate.

Section 09Author Identification and Contact

EverLife Capital is published by Consult Us, LLC, a Wyoming limited liability company, doing business as EverLife Capital, and is authored by Eric Pemper.

All editorial inquiries, correction requests, partnership questions, and general correspondence should be directed to Eric Pemper at [email protected].

Section 10Privacy

Our handling of personal information you provide through the Site and Services is described in our Privacy Policy, available at everlifecapital.beehiiv.com/p/privacy-policy. By using the Site, you acknowledge and accept the practices described there.

Section 11Acceptable Use

When using the Site or Services, you agree not to:

• Use the Site or Services for any unlawful purpose or in violation of any applicable law.
• Reproduce, redistribute, scrape, frame, or commercially exploit Site content without prior written permission.
• Use any automated system (bot, crawler, harvester) to access the Site, except for compliant search engine indexing.
• Interfere with or attempt to disrupt the security or integrity of the Site, Services, or any related infrastructure.
• Impersonate any person, including the author, or misrepresent your affiliation with Consult Us, LLC or EverLife Capital.
• Use information obtained from the Site to send unsolicited communications to other subscribers.

Section 12Intellectual Property

The “25 Gates,” “25-Gate Framework,” “25-Gate evaluation framework,” “EverLife Capital,” “L-45,” and “Hypothetical Research Tracker” are proprietary terms used by Consult Us, LLC, dba EverLife Capital, to describe original methodology. All written content, research notes, framework documentation, scoring rubrics, tracker entries, charts, graphics, and other materials published on the Site are the original work of the author and are owned by Consult Us, LLC. All such materials are protected by applicable copyright and trademark law.

You may share short excerpts (limited to fair use under applicable copyright law) for non-commercial purposes with proper attribution to EverLife Capital and a link to the source. Any other reproduction, redistribution, republication, framing, scraping, or commercial use of Site content without prior written permission from Consult Us, LLC is prohibited.

Unauthorized use of the 25-Gate Framework, the scoring rubric, or any associated methodology in a commercial product or advisory service is expressly prohibited.

Section 13Third-Party Links and Services

The Site may link to third-party websites, services, data providers, and platforms. Third-party links are provided for convenience and do not imply endorsement. We are not responsible for the content, accuracy, security practices, or privacy policies of any third-party site or service. Use of any third-party site or service is governed by that third party’s terms and privacy policy.

Section 14Disclaimer of Warranties

The Site and Services are provided “as is” and “as available,” without any warranty of any kind, express or implied. To the maximum extent permitted by law, Consult Us, LLC disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, and uninterrupted access.

No statement on the Site, in the Services, or in any communication from EverLife Capital should be construed as a guarantee of any financial, medical, or other outcome.

Section 15Limitation of Liability and Indemnification

To the maximum extent permitted by law, in no event shall Consult Us, LLC, EverLife Capital, their members, managers, officers, employees, authors, contributors, agents, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to lost profits, lost data, business interruption, or loss of goodwill, arising out of or in connection with your use of the Site or Services, even if advised of the possibility of such damages.

The aggregate liability of Consult Us, LLC and EverLife Capital for all claims arising out of or relating to the Site or Services shall not exceed the greater of (a) the amount you paid to Consult Us, LLC in the twelve months preceding the claim, or (b) one hundred U.S. dollars ($100).

You agree to indemnify, defend, and hold harmless Consult Us, LLC, EverLife Capital, and their members, managers, officers, employees, authors, contributors, agents, and affiliates from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Site or Services, your violation of these Terms, or your violation of any right of any third party.

Section 16Modifications and Termination

We may modify, suspend, or discontinue any part of the Site or Services at any time, with or without notice. We may also terminate or restrict your access to the Site or Services for any reason, including violation of these Terms.

We may update these Terms at any time. Updates are effective when posted. The “Last Updated” date at the top of this page indicates the date of the most recent revision. Material changes will be announced in the newsletter or on the Site.

Section 17Governing Law and Dispute Resolution

These Terms and any dispute arising out of or related to the Site, the Services, or these Terms are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-laws principles.

Any dispute, claim, or controversy arising out of or relating to the Site, the Services, or these Terms shall be resolved exclusively by binding arbitration conducted in Laramie County, Wyoming, in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Arbitration shall be conducted by a single arbitrator. Judgment on the award rendered may be entered in any court of competent jurisdiction.

To the extent any matter is not subject to arbitration, exclusive jurisdiction and venue lie in the state and federal courts located in Laramie County, Wyoming, and you consent to the personal jurisdiction of those courts.

You and Consult Us, LLC waive any right to participate in a class action, collective action, or representative proceeding. Disputes must be brought in an individual capacity only.

Section 18Severability and Entire Agreement

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Consult Us, LLC regarding the Site and Services and supersede any prior agreements, communications, or understandings.