Owner Advisory Agreement

SandwichGen · Last updated October 5, 2026

Applies to: Owner's Second Opinion ($4,500) · The Owner Hour ($750). For owners of home care, home health, and hospice businesses outside the Restricted Territory in Section 2. Family consulting is covered separately by the Consulting Client Agreement.

Between: Christina Grupico, an individual, offering advisory services under the SandwichGen name ("Consultant," "I," "me") and the home care business named at booking, acting through the owner or officer who books and pays ("Client," "you"). The person booking represents that they are authorized to bind the Client.

Effective: the moment you check the boxes at checkout and submit payment.

By booking and paying you are entering a binding agreement and providing your digital signature. If anything here doesn't work for you, don't book. Email hello@sandwichgen.info and I'll answer questions before you pay.

Section 1 — What I'm Providing, and What I'm Not

1. What you get. The deliverables for the product you purchased, exactly as listed in Schedule A. For the Owner's Second Opinion: an intake, a 90-minute recorded working session, a written Second Opinion with a 90-day plan, and one 30-minute check-in call. For the Owner Hour: a short intake, a 60-minute recorded call, and a one-page written note. That is the complete deliverable. Nothing in this agreement includes ongoing support, email or text access between sessions, implementation, or work on your behalf.

2. What this is. A business review and advisory opinion, drawn from my experience owning, operating, and selling a home care agency. Education, strategy, and my honest read of your numbers.

3. What this is not. I do not provide, and this engagement does not include:

   • Legal advice of any kind, including employment, contract, franchise, or regulatory advice
   • Accounting, tax, or bookkeeping services, or an audit or review of your financial statements
   • Licensing, survey, compliance, or accreditation consulting, or any representation about whether your agency meets any state or payer requirement
   • A business valuation, appraisal, fairness opinion, or brokerage service, or any representation of what your business is worth or will sell for
   • Human resources decisions made on your behalf, or any contact with your employees, caregivers, clients, referral sources, franchisor, lender, or buyer
   • Clinical, care-planning, or patient-facing services of any kind
   • Management, interim leadership, or any ongoing operating role

4. I am not a licensed professional. I am not an attorney, CPA, licensed business broker, certified appraiser, licensed healthcare administrator, or HR professional, and I hold no professional license. My credential is 11 years as an owner-operator and a completed sale.

5. You still need the real professionals. Where a decision belongs to a licensed professional, I'll tell you which kind and what to ask. That's part of what you're paying for, and it's where my part ends.

6. No fees from anyone else. No stake in your decisions. I accept no referral fee, commission, finder's fee, equity, success fee, or compensation of any kind from any broker, buyer, franchisor, software vendor, lender, staffing company, or other third party in connection with you. If I ever recommend a category of provider, I have no financial interest in whether you use one.

7. Independent contractor. I am an independent contractor. Nothing here creates a partnership, joint venture, employment, agency, or fiduciary relationship. I have no authority to bind you and you have none to bind me.

8. Authority. The person booking represents that they own, or are an officer of, the Client and are authorized to enter this agreement and pay for it.

Section 2 — Restricted Territory Warranty

1. The Restricted Territory. I do not consult for, start, or become involved with any home care, home health, or hospice company in the following counties (together, the "Restricted Territory") through June 2028: Denton, Cooke, Grayson, Collin, Dallas, Tarrant, Wise, Montague, Jack, Parker, Johnson, Ellis, Kaufman, Rockwall, Hunt, and Fannin Counties, Texas. This section exists to protect that commitment.

2. Your warranty. You represent and warrant that, as of the date you book and for the duration of this engagement, the Client (a) is not headquartered in the Restricted Territory, (b) does not hold a license to operate in, and does not serve clients in, the Restricted Territory, (c) is not an affiliate, franchisee, subsidiary, or parent of any company that does, and (d) is not engaging me to assist with entering, acquiring, or serving the Restricted Territory.

3. If it turns out otherwise. If I learn at any point that any part of §2.2 is or has become inaccurate, I may terminate this agreement immediately by email. If I terminate before the working session (or, for an Owner Hour, before the call), I'll refund you in full. If I terminate after that, I'll refund the portion of the fee for deliverables not yet provided, calculated per Schedule A, and no further amounts will be owed either way. You agree that this is my sole obligation in that event and that you'll indemnify me under §9.3 for any claim arising from your inaccurate warranty.

4. Scope is business advisory only. This restriction applies to advisory work for home care, home health, and hospice businesses. It does not apply to family-side care navigation services, which are offered separately under a different agreement.

Section 3 — No Guarantees, and Who Owns the Outcome

1. No guaranteed results. Revenue, margin, staffing, referral flow, sale price, and everything else depend on your market, your team, your execution, and things neither of us controls. I make no guarantee, express or implied, about any business outcome. Any example, story, or result I mention happened to someone else and is not a promise about you.

2. Your decisions are yours. You alone decide whether and how to act on anything I say or write. You agree not to hold me responsible for any decision you make or don't make, including hiring, firing, pricing, borrowing, selling, or contracting decisions, and for any result of those decisions.

3. Opinions, based on what you gave me. My review and plan rely on the information you provide. I don't verify it. If the numbers you send are wrong or incomplete, the review will be too, and that's on the input, not the method.

4. Educational and advisory purposes only. All materials, recordings, reviews, and plans are for your internal business planning and do not constitute legal, accounting, tax, regulatory, valuation, investment, or HR advice.

Section 4 — Scheduling, Payment, Cancellations, and Refunds

1. Payment at booking. The full fee is due at booking and nothing is scheduled or started until it clears. U.S. dollars. Any bank or conversion fees are yours.

2. Intake is required and gates the clock. The Second Opinion intake must be complete at least 48 hours before the working session, and my 7-business-day clock for the written Second Opinion starts when the session ends. The Owner Hour intake is due 48 hours before the call. If intake isn't in, I'll reschedule once; if it still isn't in before the rescheduled date, the session is forfeited and, for the Second Opinion, the engagement pauses until it arrives, for up to 60 days, after which it expires with no refund.

3. Rescheduling. Free up to 48 hours before any scheduled call, using the link in your confirmation. Inside 48 hours the call is treated as delivered. Genuine emergencies: once, at my discretion.

4. Late arrival and no-shows. Calls end at the scheduled time regardless of when you join. Not joined within 20 minutes means forfeited.

5. If I reschedule. You get first pick of my next available slots or a refund for that call, your choice.

6. Refunds.

   • Owner's Second Opinion: full refund any time before the working session. Once the session starts, none; the session and the written Second Opinion that follows it are the work. Schedule A shows the value allocation used for §2.3 and §4.6.
   • Owner Hour: full refund more than 48 hours before the call. None inside 48 hours or after the call.
   • Credit: the $750 Owner Hour credit toward a Second Opinion is valid for 30 days from the Owner Hour call date, is not cash, and is not transferable.

7. One revision, instead of a refund. If the written Second Opinion or 90-day plan misses something material because I misread what you sent, tell me in writing within 7 days of delivery and I'll revise it once at no charge. That's the full extent of any satisfaction remedy.

8. Use-by window. All Second Opinion deliverables, including the 30-day check-in, must be used within 120 days of booking. Unused pieces expire with no refund or credit.

9. What the fee covers. The deliverables in Schedule A. Not ongoing email or text support, calls between scheduled sessions, document drafting, negotiation, research, or implementation. If you want more time, book an Owner Hour.

10. Chargebacks. Contact me at hello@sandwichgen.info first. A chargeback filed without doing so is a breach, and you agree to reimburse any fees or costs I incur responding to it.

11. Response time. I answer email within 2 business days.

Section 5 — What You Send Me, and What You Don't

1. What to send. Your key operating numbers, a description of who does what, and your description of the business and its problems. Financial statements are optional, never required. Aggregate numbers, not source records.

2. What not to send. Do not send protected health information, client names or care records, caregiver or employee personal information (SSNs, dates of birth, home addresses, medical or disciplinary files), payroll registers with names, or anything subject to HIPAA or a state privacy law. Strip names and identifiers before uploading. If you send it anyway I'll delete it unread and ask for a clean version, and any delay is yours.

3. I am not a HIPAA business associate. I'm not a covered entity or a business associate and I am not signing a BAA. Nothing in this engagement requires PHI and none should reach me.

4. Your representations. You represent that you have the right to share what you share, that it's accurate to your knowledge, and that sharing it doesn't breach any agreement you have with a franchisor, lender, buyer, or anyone else.

Section 6 — Confidentiality (Both Directions)

1. Yours stays yours. I'll keep your financials, metrics, plans, and the fact that you're a client confidential. I won't share them with anyone, and I won't use your name or your agency's name in any content, case study, or conversation without your separate written permission. Exceptions, and they're narrow: where you authorize it in writing; where a vendor I use to run the business (scheduling, payment, video, email, file storage) necessarily processes it; where law requires disclosure; or where I believe in good faith someone is at risk of serious harm.

2. Mine stays mine. My frameworks, templates, review structure, plan format, and the written materials I give you are confidential and my intellectual property (see §7). You'll use them for your own business only.

3. Anonymous learning. I may use de-identified patterns (the shape of a problem, never a name, city, revenue figure, or identifying detail) to improve my materials. Tell me if you'd rather I didn't, and I won't.

4. Recording. Calls are recorded so I can write the deliverables and so you have the recording for your team. Joining the call is consent to recording. If you'd rather I work from notes, say so before we start. You may not separately record, publish, or distribute the recording outside your business.

5. Retention. I keep intake materials, notes, recordings, and deliverables for 12 months, then delete them, unless you ask sooner. Email hello@sandwichgen.info.

Section 7 — Work Product and Testimonials

1. License, not ownership. The written Second Opinion, plan, notes, and any templates are my intellectual property. You get a perpetual, non-transferable license to use them inside the Client's business.

2. What you can't do with them. Resell, republish, license, or teach from my materials; share them with another agency or a consultant building a competing offer; or use them to train an AI or machine-learning system. Sharing with your own leadership team, your accountant, or your attorney is expected and fine.

3. Testimonials are opt-in. I'll ask at the end. I won't use your name, likeness, agency name, or any recording in marketing without your separate written permission given after the engagement. Declining changes nothing about the service. Anything you do provide must be truthful and your own.

Section 8 — Term and Termination

1. Term. From booking until the last deliverable in Schedule A is provided or the use-by window in §4.8 passes, whichever comes first.

2. Termination by you. Any time, by email. Refunds per §4.6.

3. Termination by me. Under §2.3; or if you materially breach this agreement (including sending prohibited data after being told not to, abusive conduct, or non-payment); or if I conclude in good faith that I can't help you. In the last case only, I'll refund any portion for deliverables not yet provided.

4. Survival. Sections 2.3, 3, 5, 6, 7, 9, and 10 survive termination.

Section 9 — Liability, Indemnity, and Disputes

1. As-is. Services and materials are provided as-is. All warranties, express or implied, including merchantability and fitness for a particular purpose, are disclaimed to the fullest extent allowed by law.

2. Limitation of liability. To the fullest extent permitted by law, I will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, or for lost profits, lost revenue, lost business value, loss of a sale, employee or client attrition, or regulatory penalties, arising from or related to this agreement or the services, even if advised of the possibility. In any event, total liability for any claim is limited to the amount you actually paid me for the product giving rise to the claim.

3. Indemnity. You agree to defend, indemnify, and hold harmless Christina Grupico, any entity to which this agreement is assigned under §10.3, and their respective officers, employees, contractors, and affiliates from any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising from your breach of this agreement (including the §2 warranty and §5 data representations), your misrepresentation, your use of the services or materials, or any decision or action the Client takes.

4. Talk to me first. Before filing anything, raise it in writing at hello@sandwichgen.info and work with me in good faith for 30 days.

5. Governing law and venue. Texas law, without regard to conflict-of-law rules. Any action will be brought in the state or federal courts located in Denton County, Texas; both parties consent to that jurisdiction and venue and waive any objection. (Venue is my home county, not yours, and it has nothing to do with the Restricted Territory in §2.)

6. Jury and class action waiver. Both parties waive jury trial. Claims may be brought only individually.

7. Fees. Each party bears its own attorneys' fees and costs.

8. Severability. If a provision is held unenforceable, the rest stands and that provision is enforced to the greatest extent permitted.

Section 10 — General

1. Entire agreement and changes. This is the whole agreement on this subject and supersedes anything said or written before it. The version you accepted at booking governs. No change is binding unless in writing.

2. Assignment by you. You may not assign or transfer this agreement, the engagement, or any deliverable to anyone else, including a buyer of your business, without my written consent.

3. Assignment by me. I may assign this agreement, and all rights and obligations under it, to any entity that I own or control, on written notice to you (email is enough) and without your consent. On assignment, that entity steps into my place as "Consultant" and I'll continue to deliver the services personally. Payment instructions may change with that notice, and you agree to pay the assignee from then on.

4. Notices. Email to hello@sandwichgen.info for me, and to the email you booked with for you.

5. Electronic signature. By checking the boxes and submitting payment you're providing a digital signature with the same effect as a handwritten one under the federal E-SIGN Act.

SCHEDULE A — Products, Deliverables, and Value Allocation

Questions before you book? Email hello@sandwichgen.info. I answer within 2 business days.