Perfected Stone Press

Terms of Use

Last updated · April 24, 2026 · Effective · April 24, 2026

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your access to and use of perfectedstone.com (the “Site”), all publications, content, materials, and services offered by Perfected Stone Press, a sole proprietorship operated by Mike Lenval, located in San Diego, California (“Perfected Stone Press,” “we,” “us,” or “our”).

By accessing or using the Site, purchasing a publication, signing up for any newsletter or waitlist, or otherwise interacting with us, you (“you,” “user”) acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, Disclaimer, and License Terms.

If you do not agree with any part of these Terms, do not access or use the Site or our publications.

Section 11 of these Terms contains a binding arbitration clause and a class action waiver. These provisions affect your legal rights. You have the right to opt out of arbitration within thirty (30) days of first acceptance, as described in Section 11.6.

2. Description of Service

The Site is a publication catalog and informational website operated by Perfected Stone Press. We publish written works on topics including but not limited to wealth structure, capital allocation, taxation, leverage, institutional behavior, and related educational subjects.

The Site is not:

  • A trading platform, brokerage, or investment platform;
  • An advisory service of any kind;
  • An educational institution or accredited training provider;
  • A user-generated content platform;
  • A subscription service (as of the effective date of these Terms);
  • A payment processor.

Purchases of publications are processed through Gumroad as described in Section 9.

3. Eligibility

You must be at least eighteen (18) years of age to purchase any Perfected Stone Press publication. By purchasing, you represent that you are at least eighteen years old and have the legal capacity to enter into binding contracts in your jurisdiction.

The Site is intended for an adult audience. We do not knowingly direct content to or collect information from minors. If you are under eighteen, you may browse publicly accessible portions of the Site but may not purchase publications, sign up for any newsletter or waitlist, or submit any personal information.

4. Intellectual Property Rights

4.1 Ownership

All content on the Site, including without limitation text, graphics, images, photographs, illustrations, logos, button icons, design elements, layouts, color schemes, typography, source code, compilations, software, audio, video, and any other materials (collectively, “Site Content”), is the exclusive property of Perfected Stone Press or its licensors and is protected by United States and international copyright, trademark, trade dress, and other intellectual property laws.

The name “Perfected Stone Press” and any associated logos, marks, and the publication title “The Grand Architect” are trademarks of Perfected Stone Press. No license to use any such mark is granted by these Terms.

4.2 Limited License to Browse

Subject to your compliance with these Terms, Perfected Stone Press grants you a limited, personal, non-transferable, non-exclusive, revocable license to access and view Site Content for personal, non-commercial purposes only.

This license does not include any right to:

  • Reproduce, redistribute, republish, or transmit Site Content;
  • Modify, adapt, translate, reverse engineer, decompile, or create derivative works of Site Content;
  • Use Site Content for any commercial purpose;
  • Use any data mining, robots, scraping, or similar data gathering and extraction tools, except for legitimate search engine indexing in accordance with our robots.txt file;
  • Frame, mirror, or otherwise incorporate Site Content into any other website or service.

4.3 Purchased Publications

Publications purchased from Perfected Stone Press are licensed, not sold, and are governed by the License Terms. The purchase grants you a personal, non-transferable license to read the publication for your individual use; it does not transfer copyright, ownership, or any right to redistribute, modify, or commercially exploit the publication.

5. AI/ML Training Prohibition

The following prohibition is material to Perfected Stone Press’s willingness to make Site Content and publications available to you, and is a fundamental term of these Terms.

No content from the Site or any Perfected Stone Press publication, in whole or in part, including but not limited to text, images, design elements, metadata, structural patterns, prose style, organizational frameworks, or any derived embeddings or representations thereof, may be used to train, fine-tune, develop, evaluate, validate, test, or otherwise inform any machine learning model, large language model, generative artificial intelligence system, foundation model, neural network, or related artificial intelligence technology, whether such use occurs through automated scraping, crawling, manual collection, indirect ingestion via third-party datasets, retrieval-augmented generation, embedding databases, or any other means.

This prohibition is intended as a contractual restriction separate from copyright law and applies to your use of the Site and publications as a condition of access, regardless of whether a separate copyright defense might otherwise be asserted. By accessing the Site or any publication, you expressly acknowledge that this restriction is a contractually agreed-upon limitation, separate from and in addition to copyright protections, and that violation constitutes a material breach of these Terms entitling Perfected Stone Press to all available legal and equitable remedies, including injunctive relief.

This prohibition extends to:

  • Direct training, fine-tuning, or model alignment use;
  • Inclusion in training datasets, whether public or private;
  • Generation of synthetic data derived from Site Content;
  • Use as evaluation, benchmark, or test data for AI systems;
  • Use to inform style transfer, voice cloning, or persona modeling;
  • Use as input or context for retrieval-augmented generation systems offered as commercial services;
  • Any use by a third party where Perfected Stone Press content has been ingested without our prior written authorization.

Nothing in this Section limits the right of an individual reader to read, study, contemplate, discuss, summarize for personal use, or learn from publications they have lawfully purchased and licensed under the License Terms.

6. Acceptable Use

You agree not to:

  • Use the Site or any publication in violation of any applicable law, regulation, or third-party right;
  • Engage in any conduct that disrupts, interferes with, or impairs the operation, security, or integrity of the Site;
  • Attempt to gain unauthorized access to any portion of the Site, server, network, or system associated with Perfected Stone Press;
  • Use any automated means (bots, scripts, crawlers, scrapers) to access, collect, or interact with the Site beyond standard browser behavior or legitimate search engine indexing;
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, structure, or underlying ideas of any portion of the Site or any digital product distributed by Perfected Stone Press;
  • Circumvent, disable, or otherwise interfere with any security-related, access-control, watermarking, or rights-management features of the Site or any publication;
  • Use the Site or any publication to transmit malware, viruses, or other harmful code;
  • Misrepresent your identity, affiliation, or authority in any communication with Perfected Stone Press;
  • Use Site Content or any publication in any manner inconsistent with the AI/ML training prohibition in Section 5.

Violation of this Section may result in immediate termination of your license to access the Site and any publications, without refund, and may give rise to civil or criminal liability.

7. Privacy

Our handling of personal information is described in our Privacy Policy. The Privacy Policy is incorporated into these Terms by reference. By using the Site, you acknowledge our processing of your personal information as described in the Privacy Policy.

8. Disclaimers and Limitations

The Site and all Site Content are provided “AS IS” and “AS AVAILABLE” without warranties of any kind. The full disclaimer of warranties, limitations of liability, and related provisions applicable to your use of the Site, our publications, and any communication with Perfected Stone Press are set forth in our Disclaimer, which is incorporated into these Terms by reference.

In particular, you acknowledge that:

  • The Site Content and our publications are for educational and informational purposes only and do not constitute financial, legal, tax, or investment advice;
  • Past performance and historical examples do not guarantee or indicate future results;
  • The total cumulative liability of Perfected Stone Press, Mike Lenval, and any contributor, agent, affiliate, or representative is limited as described in Section 6 of the Disclaimer.

9. Purchases, Refunds, and Gumroad Relationship

9.1 Purchase Process

Purchases of Perfected Stone Press publications are processed through Gumroad, Inc. (“Gumroad”) and are also subject to Gumroad’s terms of service, privacy policy, and checkout procedures. Gumroad is responsible for its payment processing platform, checkout interface, tax handling, and platform-level account or payment issues.

Perfected Stone Press remains responsible for the content of its publications and will make commercially reasonable efforts to assist with product-specific delivery issues, duplicate purchases, or technical access problems related to a completed purchase. To request such assistance, contact us at the email address in Section 17.

9.2 Refund Policy

All sales are final. Because this is a digital product delivered electronically, we do not offer buyer-initiated refunds, returns, or exchanges, except where required by law or where Perfected Stone Press determines in its sole discretion that a refund is appropriate for duplicate purchases, technical delivery issues, or chargeback resolution.

This refund policy is conspicuously posted prior to checkout in accordance with California Civil Code §1723. By completing a purchase, you acknowledge and agree to this policy.

9.3 Pricing and Currency

All prices are stated in United States Dollars (USD) unless otherwise indicated. Prices are subject to change without notice. The price applicable to your purchase is the price displayed at the time you complete checkout.

9.4 Taxes

Sales tax, VAT, GST, or other applicable taxes are calculated and collected by Gumroad based on your billing location and applicable tax law. Perfected Stone Press is not responsible for tax determinations made by Gumroad’s platform.

10. Modifications to Terms and Services

10.1 Modifications to Terms

We may modify these Terms at any time by posting an updated version at perfectedstone.com/terms. Modifications take effect upon posting. The “Last updated” date at the top of these Terms indicates when the most recent modification was made.

For material changes, we will provide reasonable notice, which may include posting a prominent notice on the Site or, where an active mailing list exists, by email. Your continued use of the Site or any publication following the effective date of a modification constitutes your acceptance of the modified Terms.

If you do not agree to a modification, your sole remedy is to discontinue use of the Site. Modifications do not retroactively alter the terms of any completed purchase.

10.2 Modifications and Discontinuation of Services

We reserve the right to modify, suspend, or discontinue the Site, any publication, or any feature thereof at any time, with or without notice. We are not liable to you or any third party for any such modification, suspension, or discontinuation.

11. Dispute Resolution and Arbitration

Please read this Section carefully. It affects your legal rights, including your right to file a lawsuit in court and your right to participate in a class action.

11.1 Informal Resolution First

Before filing any arbitration or lawsuit, you agree to first attempt to resolve any dispute informally by contacting us at legal@perfectedstone.com with a written description of the dispute. We will attempt in good faith to resolve the matter within sixty (60) days of receipt. Both parties agree to negotiate in good faith during this period.

11.2 Binding Individual Arbitration

If informal resolution fails, you and Perfected Stone Press agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, any Perfected Stone Press publication, the Disclaimer, the License Terms, the Privacy Policy, or your relationship with Perfected Stone Press (a “Dispute”) shall be resolved exclusively through final and binding individual arbitration, except as provided in Sections 11.5 and 11.6.

The arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, available at adr.org. The Federal Arbitration Act (9 U.S.C. §§1-16) governs the interpretation and enforcement of this arbitration agreement.

11.3 Arbitration Procedure

The arbitration shall be conducted by a single arbitrator. Hearings, if any, may be conducted by telephone, videoconference, or other remote means at the election of either party; you shall not be required to travel to attend hearings. The arbitrator’s award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

11.4 Fees and Costs

Filing fees, administrative fees, and arbitrator fees shall be allocated as provided in the AAA Consumer Arbitration Rules. To the extent the AAA Consumer Rules require Perfected Stone Press to pay any fees that would otherwise be your responsibility, Perfected Stone Press will do so. Each party shall bear its own attorneys’ fees and costs unless the arbitrator awards otherwise pursuant to applicable law.

11.5 Small Claims Court Carve-Out

Notwithstanding the foregoing, either party may bring an individual action in small claims court in San Diego County, California, for any Dispute that qualifies under the rules and jurisdictional limits of that court. Pursuit of a small claims action does not waive the right to arbitrate other Disputes.

11.6 Right to Opt Out of Arbitration

You may opt out of the arbitration agreement set forth in this Section 11 by sending written notice of your decision to opt out to arbitration-optout@perfectedstone.com within thirty (30) days after the date you first accept these Terms or first purchase a Perfected Stone Press publication, whichever occurs first.

Your opt-out notice must include:

  • Your full legal name;
  • The email address used for purchase or communication with Perfected Stone Press;
  • The product purchased, if applicable;
  • A clear statement that you wish to opt out of the arbitration agreement.

If you opt out within the thirty-day window, you and Perfected Stone Press will not be bound by Sections 11.2 through 11.4 (binding arbitration, procedure, and fee allocation), and Disputes will instead be resolved as provided in Section 11.8 (Court Venue).

Opting out of arbitration does not affect any other provision of these Terms, the Disclaimer, the License Terms, the Privacy Policy, or any other agreement between you and Perfected Stone Press, including without limitation Section 11.7 (class action waiver), subject to the limitations stated in that section.

11.7 Class Action Waiver

You and Perfected Stone Press agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding.

The arbitrator may not consolidate the claims of more than one person, and may not preside over any form of representative or class proceeding. If a court or arbitrator determines that this class action waiver is unenforceable in a particular case, then Section 11.2 (binding arbitration) shall not apply to that case, and the case shall instead proceed in court as provided in Section 11.8; the remainder of these Terms, including Sections 11.5 (small claims) and the rest of the class action waiver, shall continue in full force.

The class action waiver in this Section 11.7 is independent of the agreement to arbitrate. If you validly opt out of arbitration under Section 11.6, you may bring an individual claim in court as provided in Section 11.8, but you and Perfected Stone Press still agree, to the maximum extent permitted by law, to proceed only on an individual basis and not as part of any class, collective, consolidated, or representative action.

11.8 Court Venue (If Arbitration Does Not Apply)

For any Dispute not subject to arbitration under this Section 11 — including without limitation Disputes by users who have validly opted out under Section 11.6, small claims actions under Section 11.5, and actions seeking injunctive relief for intellectual property infringement — the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in San Diego County, California, and waive any objection to jurisdiction or venue in those courts.

11.9 Time Limitation

To the maximum extent permitted by applicable law, any Dispute must be filed within one (1) year after the cause of action accrues, or it is permanently barred. This limitation supplements, and does not replace, any shorter limitation period provided by law.

This limitation does not apply where applicable law prohibits contractual shortening of the limitations period, including without limitation certain consumer protection claims, statutory privacy claims, or other non-waivable statutory rights.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, United States of America, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

The Federal Arbitration Act governs the interpretation and enforcement of Section 11.

13. Indemnification

You agree to indemnify, defend, and hold harmless Perfected Stone Press, Mike Lenval, and any contributor, agent, affiliate, or representative thereof, from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

  • Your access to or use of the Site or any Perfected Stone Press publication;
  • Your violation of these Terms, the Disclaimer, the License Terms, or the Privacy Policy;
  • Your violation of any third-party right, including without limitation intellectual property, privacy, or contract rights;
  • Your violation of any applicable law or regulation;
  • Any decision you make or action you take in reliance on Site Content or any publication.

14. Copyright Concerns

If you believe that any material on the Site infringes your copyright, you may contact us at legal@perfectedstone.com with sufficient information to identify the material and your claimed rights. We may remove or modify the material in our discretion while we review the concern.

This clause does not constitute a formal Digital Millennium Copyright Act (“DMCA”) designated agent notice unless and until Perfected Stone Press registers a designated agent with the U.S. Copyright Office in accordance with 17 U.S.C. §512(c)(2). No DMCA safe harbor is claimed by these Terms.

15. Termination

15.1 Termination by You

You may stop using the Site at any time. Termination does not entitle you to any refund except as provided in Section 9.2.

15.2 Termination by Us

We may suspend or terminate your access to the Site, your license to any publication, or your account (if any) at any time, with or without notice and with or without cause, including for any violation of these Terms.

15.3 Survival

The following provisions survive termination of these Terms: Section 4 (Intellectual Property), Section 5 (AI/ML Training Prohibition), Section 8 (Disclaimers), Section 9.2 (Refund Policy as applied to completed purchases), Section 11 (Dispute Resolution and Arbitration), Section 12 (Governing Law), Section 13 (Indemnification), Section 14 (Copyright Concerns), this Section 15.3, and Section 16 (General Provisions).

16. General Provisions

16.1 Entire Agreement

These Terms, together with the Privacy Policy, Disclaimer, and License Terms, constitute the entire agreement between you and Perfected Stone Press concerning the Site and our publications, and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written, on the subject matter hereof.

16.2 Severability

If any provision of these Terms is held unenforceable, invalid, or contrary to law by a court of competent jurisdiction or arbitrator, that provision shall be modified to the minimum extent necessary to render it enforceable, or, if no such modification is possible, severed from these Terms, with the remainder continuing in full force and effect. The unenforceability of any provision shall not affect the enforceability of any other provision.

16.3 No Waiver

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. The failure of Perfected Stone Press to assert any right under these Terms shall not constitute a waiver of such right.

16.4 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms or any rights hereunder without your consent, including in connection with a merger, acquisition, sale of assets, or operation of law. Any attempted assignment in violation of this Section is void.

16.5 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchise relationship between you and Perfected Stone Press.

16.6 Force Majeure

Perfected Stone Press is not liable for any failure or delay in performance arising out of causes beyond its reasonable control, including without limitation acts of God, war, terrorism, pandemics, government actions, internet or infrastructure failures, or third-party service provider failures (including failures of Gumroad, Vercel, or any DNS provider).

16.7 Headings

Section headings are for convenience only and do not affect interpretation.

16.8 Language

These Terms are provided in English. Translations, if any, are for convenience only; the English version controls in case of any conflict.

17. Contact

For questions about these Terms or to provide notices required hereunder:

Perfected Stone Press
San Diego, California

By accessing the Site, purchasing a Perfected Stone Press publication, or otherwise interacting with us, you acknowledge that you have read these Terms in their entirety, understand them, and agree to be bound by them.