PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE.

By using this website, you signify your consent to these terms of use. If you do not agree to these Terms of Use, please do not use the website.

Your access to and use of this website, as well as all related websites operated by Cinemaster Academy (the "Company") (which includes , among others) (collectively the "Site") is subject to the following terms and conditions ("Terms of Use") and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms of Use and acknowledge that any other agreements between you and the Site are superseded and of no force or effect.

For purposes of these Terms of Use, "Company," "we," "us," and "our" refer to Cinemaster Academy, a business currently operating as a sole proprietorship and headquartered in Las Vegas, Nevada, including any successor entity, limited liability company, or corporation into which the business may be converted or reorganized in the future.

1. You agree that the Site itself, as well as all content, videos, training materials, products, services and/or other materials, made available on the Site by us or other third parties, as well as the look and feel of all of the foregoing, (collectively referred to as the "Content") are maintained for your personal use and information by the Company and are the property of the Company and/or its third party providers. You agree that such Company Content shall include all proprietary videos, HTML/CSS, Javascript, graphics, voice, and sound recordings, artwork, photos, documents, and text as well as all other materials included in the Site, excluding only the materials you provide. Subject to your compliance with these Terms of Use, the Company hereby grants you a limited license, which is non-exclusive, non-transferable, and non-sublicensable, to access, view, and use the Site solely for your personal purposes. No Company Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, used for public or commercial purposes, or downloaded in any way unless written permission is expressly granted by the Company. Modification of the Content or use of the Content for any other purpose is a violation of the copyright and other proprietary rights of the Company, as well as other authors who created the materials and may be subject to monetary damages and penalties. You may not distribute, modify, transmit, or use the content of the Site or any Content, including any and all software, tools, graphics, and/or sound files, for public or commercial purposes without the express written permission of the Company.

2. All Content, such as text, data, graphics files, videos and sound files, and other materials contained in the Site, are copyrighted unless otherwise noted and are the property of the Company and/or a supplier to the Company. No such materials may be used except as provided in these Terms of Use.

3. All trade names, trademarks, and images and biographical information of people used in the Company Content and contained in the Site, including without limitation the name and trademark "Cinemaster Academy," are either the property of or used with permission by, the Company. The use of Content by you is strictly prohibited unless specifically permitted by these Terms of Use. Any unauthorized use of Content may violate the copyright, trademark, and other proprietary rights of the Company and/or third parties, as well as the laws of privacy and publicity, and other regulations and statutes. Nothing contained in this Agreement or in the Site shall be construed as granting, by implication or otherwise, any license or right to use any Trademark or other proprietary information without the express written consent of the Company or third party owner. The Company respects the copyright, trademark, and all other intellectual property rights of others. The Company has the right but has no obligation, to remove content and accounts containing materials that it deems, in its sole discretion, to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable or violates any party's intellectual property or these Terms of Use. If you believe that your intellectual property rights are being violated and/or that any work belonging to you has been reproduced on the Site or in any Content in any way, you may notify the Company at [email protected]. Please provide your name and contact information, the nature of your work and how it is being violated, all relevant copyright and/or trademark registration information, the location/URL of the violation, and any other information you believe is relevant.

4. While the Company uses reasonable efforts to include accurate and up-to-date information in the Site, the Company makes no warranties or representations as to its accuracy. The Company assumes no liability or responsibility for any errors or omissions in the content of the Site.

5. When you register with the Company and/or this Site, you expressly consent to receive any

notices, announcements, agreements, disclosures, reports, documents, communications concerning new products or services, or other records or correspondence from the Company. You consent to receive notices electronically by way of transmitting the notice to you by email.

6. If you send comments or suggestions about the Site to the Company, including, but not limited to, notes, text, drawings, images, designs or computer programs, such submissions shall become, and shall remain, the sole property of the Company. No submission shall be subject to any obligation of confidence on the part of the Company. The Company shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication, and dissemination as to all such submissions for any purpose, commercial or otherwise without any acknowledgment or compensation to you.

7. The Company shall use commercially reasonable efforts to restrict unauthorized access to our data and files. However, no system whether or not password protected can be entirely impenetrable. You acknowledge that it may be possible for an unauthorized third party to access, view, copy, modify, or distribute the data and files you store using the Site. Use of the Site is completely at your own risk.

8. The Company will not intentionally disclose any personally identifying information about you to third parties, except where the Company, in good faith, believes such disclosure is necessary to comply with the law or enforce these Terms of Use. By using the Site, you signify your acceptance of the Company's Privacy Policy, available at /privacy-policy. If you do not agree with this Privacy Policy, in whole or part, please do not use this Site.

9. NEITHER THE COMPANY NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR MAINTAINING THE SITE AND/OR ANY CONTENT ON THE SITE SHALL BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO OR USE OF THE SITE. WITHOUT LIMITING THE FOREGOING, ALL CONTENT ON THE SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OF THE MATERIALS IN THE SITE, THE RESULTS OF THE USE OF SUCH MATERIALS, THE SUITABILITY OF SUCH MATERIALS FOR ANY USER'S NEEDS OR THE LIKELIHOOD THAT THEIR USE WILL MEET ANY USER'S EXPECTATIONS, OR THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR CORRECTION. THE COMPANY LIKEWISE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS OR GUARANTEES THAT YOU WILL EARN ANY MONEY USING THE SITE OR THE COMPANY'S TECHNOLOGY OR SERVICES. YOU ACCEPT ALL RESPONSIBILITY FOR EVALUATING YOUR OWN EARNING POTENTIAL AS WELL AS EXECUTING YOUR OWN BUSINESS AND SERVICES. YOUR EARNING POTENTIAL IS ENTIRELY DEPENDENT ON YOUR OWN PRODUCTS, IDEAS, AND TECHNIQUES; YOUR EXECUTION OF YOUR BUSINESS PLAN; THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS, AND TECHNIQUES OFFERED AND UTILIZED; AS WELL AS YOUR FINANCES, YOUR KNOWLEDGE, AND YOUR SKILL. SINCE THESE FACTORS DIFFER AMONG ALL INDIVIDUALS, THE COMPANY CANNOT AND DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS OR GUARANTEES REGARDING YOUR SUCCESS OR INCOME LEVEL. THE COMPANY DOES NOT WARRANT THAT THE USE OF THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE, THE CONTENT, AND/OR THE MATERIALS AVAILABLE ON THIS SITE ARE FREE FROM BUGS OR VIRUSES, OR OTHER HARMFUL COMPONENTS. YOU ASSUME ALL RESPONSIBILITY FOR THE COST OF ALL NECESSARY REPAIRS OR CORRECTIONS. THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY PERFORMANCE OR SERVICE PROBLEMS CAUSED BY ANY THIRD-PARTY WEBSITE OR THIRD-PARTY SERVICE PROVIDER. ANY SUCH PROBLEM SHALL BE GOVERNED SOLELY BY THE AGREEMENT BETWEEN YOU AND THAT PROVIDER. Please note that the applicable jurisdiction may not allow the exclusion of implied warranties. Some of the above exclusions may thus not apply to you.

10. THE COMPANY SHALL NOT BE RESPONSIBLE FOR ANY PERFORMANCE OR SERVICE PROBLEMS CAUSED BY ANY THIRD PARTY WEBSITE OR THIRD PARTY SERVICE PROVIDER (including, for example, your web service provider service, Stripe payment services, your software and/or any updates or upgrades to that software). ANY SUCH PROBLEM SHALL BE GOVERNED SOLELY BY THE AGREEMENT BETWEEN YOU AND THAT PROVIDER. THE COMPANY RESERVES THE RIGHT TO DETERMINE, IN ITS SOLE DISCRETION, WHETHER THE COMPANY IS RESPONSIBLE FOR ANY SUCH MALFUNCTION OR DISRUPTION. THE COMPANY ALSO RESERVES THE RIGHT TO LIMIT YOUR USE OF THE SITE AND/OR THE CONTENT OR TO TERMINATE YOUR ACCOUNT SHOULD THE COMPANY DETERMINE THAT YOU HAVE VIOLATED THESE TERMS OF USE, OR THAT YOU HAVE VIOLATED ANY OTHER RULES OR CONDITIONS OF THE COMPANY. THE COMPANY RESERVES THE RIGHT TO REFUSE ACCESS TO THE SITE AND/OR THE COMPANY'S CONTENT, PRODUCTS AND/OR SERVICES TO ANYONE IN ITS SOLE DISCRETION. ALL REFUND TERMS, INCLUDING TIME WINDOWS, ELIGIBILITY REQUIREMENTS, AND PRODUCT-CATEGORY-SPECIFIC CONDITIONS, ARE GOVERNED BY THE COMPANY'S REFUND POLICY SET FORTH IN SECTION 11 BELOW. THE COMPANY SHALL REFUSE ANY REFUND REQUEST RECEIVED AFTER THE APPLICABLE REFUND WINDOW STATED IN SECTION 11 OR DISCLOSED ON THE CORRESPONDING PRODUCT'S SALES PAGE OR CHECKOUT PAGE HAS EXPIRED, REGARDLESS OF THE REASON FOR DISRUPTION.

11. REFUND POLICY

This Section governs all refunds, returns, and money-back guarantees offered for any product, course, program, digital asset, downloadable file, bonus, membership, mentorship, event, or service sold by the Company through the Site (collectively referred to as the "Products"). This Refund Policy supersedes any inconsistent statement elsewhere in these Terms of Use regarding refund timing or eligibility.

11.1 Three Product Categories — Each With Its Own Refund Policy

The Company sells Products under three distinct product categories, each with its own refund policy. The refund policy applicable to your purchase is determined by the category of Product purchased and is clearly disclosed on the corresponding sales page and at checkout.

Category A — Standard Tier Courses (Under $997 USD)

All standard-tier educational courses, programs, and training Products priced under $997 USD are covered by a 30-Day Money-Back Guarantee, subject to the Good-Faith Use Requirement set forth in Section 11.3 below.

Refund Window: Thirty (30) calendar days from the original purchase date.

Conditions: Customer must satisfy the Good-Faith Use Requirement (Section 11.3) to qualify for a refund.

Category B — Pro Tier Courses ($997 USD and Above)

All advanced-tier educational courses, programs, and training Products priced at $997 USD or higher (including but not limited to Cinemaster Academy Pro / "CMA Pro" Products) are covered by a 14-Day Conditional Money-Back Guarantee, subject to the Pro Tier Good-Faith Use Requirements set forth in Section 11.4 below.

Refund Window: Fourteen (14) calendar days from the original purchase date.

Conditions: Customer must satisfy the more rigorous Pro Tier Good-Faith Use Requirements (Section 11.4), including documented completion of the introductory portion of the Product and application of the techniques taught.

Category C — Pro Packs (Digital Downloadable Assets)

Pro Packs and similar digital downloadable Products — including but not limited to LUTs, color-grading presets, sound design libraries, sound effects packs, music tracks, video overlays, motion graphics templates, CGI templates, AI templates, PDF guides, e-books, presets, video transitions, plug-ins, scripts, project files, stock assets, and any other instantly-deliverable digital file — are sold as FINAL SALE with NO REFUNDS, except as described in Section 11.5 below.

Refund Window: None. All sales final.

Reason: Once a digital downloadable asset has been delivered to the customer, the Product cannot be returned, recovered, or unmade. Industry-standard practice for digital downloadable Products is final sale.

Limited Discretionary Exceptions: See Section 11.5.

Category D — Non-Refundable Premium Products

Notwithstanding the categories above, certain Products are designated as non-refundable at the time of purchase and are sold as final sale. Non-refundable Products may include, without limitation:

Flagship mentorship programs;

Mastermind enrollments;

Live in-person events, retreats, and workshops;

Recorded live coaching sessions;

One-on-one coaching engagements; and

Any other Product expressly designated as non-refundable on its sales page or at checkout.

Non-refundable status will be clearly and prominently disclosed on the relevant Product's sales page and at checkout. By purchasing a non-refundable Product, you acknowledge and agree that no refunds will be issued under any circumstances.

11.2 Disclosure of Applicable Refund Policy

The refund policy applicable to your purchase will be clearly disclosed on the corresponding sales page and at checkout before purchase is finalized. By completing a purchase, you acknowledge that you have read, understood, and agreed to the refund policy applicable to that specific Product category.

11.3 Good-Faith Use Requirement (Standard Tier Courses — 30 Days)

The Standard Tier 30-Day Money-Back Guarantee is offered to customers who genuinely engage with the Product material. To request a refund on a Standard Tier Course (Category A), the Company asks that you have:

(a) Watched, accessed, or otherwise engaged with the core modules or materials of the Product for which you are requesting a refund;

(b) Attempted to apply at least some of the techniques, strategies, or material taught in the Product; and

(c) Provided a brief written description of what you tried and why the Product did not meet your expectations.

This requirement is not punitive. It exists to ensure that the Company's money-back guarantees remain available to customers who give the Product an honest effort, while protecting against misuse of the refund policy.

11.4 Pro Tier Good-Faith Use Requirements (Pro Tier Courses — 14 Days)

Because Pro Tier Courses are higher-investment programs requiring active commitment, refund eligibility for Pro Tier Courses (Category B) requires more rigorous proof of engagement. To request a refund on a Pro Tier Course, you must:

(a) Demonstrate that you have completed at least the introductory portion of the Product as defined on the corresponding sales page (typically the first one or more modules);

(b) Demonstrate, in writing or by submitted work product, that you have actively applied the techniques, exercises, or methodology taught in the completed portion of the Product;

(c) Submit a detailed written description identifying which modules you completed, what techniques you applied, the results you observed, and a clear explanation of why the Product did not deliver the result you were seeking; and

(d) Submit your refund request within the 14-day refund window.

The Company reserves the right to request reasonable additional documentation or evidence of completion and application before approving a Pro Tier refund. Failure to provide such documentation within a reasonable time period may result in denial of the refund request.

11.5 Pro Packs — Limited Discretionary Exceptions to "All Sales Final"

Pro Packs (Category C) are sold as final sale with no refunds. However, in limited cases, the Company may, at its sole and absolute discretion, issue a refund or store credit for the following narrowly-defined situations:

(a) Verified Duplicate Purchase: The customer can demonstrate, with verifiable order records, that the same Pro Pack was accidentally purchased twice within a short timeframe (typically within seven (7) days of the original purchase);

(b) Verified Technical Delivery Failure: The customer can demonstrate that the Pro Pack file(s) failed to deliver, are corrupted beyond use, or cannot be downloaded due to a technical fault on the Company's side, AND the Company is unable to resolve the delivery issue within a reasonable timeframe;

(c) Unauthorized Purchase: The customer can demonstrate that the purchase was made fraudulently or without authorization (e.g., by an unauthorized family member or compromised payment method), subject to verification.

To request a discretionary exception under this Section, the customer must contact [email protected] within seven (7) calendar days of the qualifying event with full supporting documentation. Approval of any discretionary exception is at the sole and absolute discretion of the Company and is not a guarantee of refund. The Company may, in its discretion, offer store credit, a replacement product, or other resolution in lieu of a monetary refund.

Outside of these narrowly-defined exceptions, all Pro Pack sales are final and no refunds will be issued, regardless of reason, including but not limited to: change of mind, dissatisfaction with the Product, failure to use the Product, lack of technical compatibility with the customer's software or hardware (where compatibility was disclosed at the time of purchase), or misunderstanding of what the Product contained.

11.6 How to Request a Refund

All refund requests, regardless of category, must be submitted by email to [email protected] within the refund window applicable to your Product (where applicable). Your refund request must include:

Your full name;

The email address used at the time of purchase;

Your order or transaction ID;

The name of the Product you are requesting a refund for; and

A written description satisfying the applicable Good-Faith Use Requirement (Section 11.3 for Standard Tier Courses; Section 11.4 for Pro Tier Courses) or supporting documentation for a discretionary exception (Section 11.5 for Pro Packs).

Approved refunds are processed within seven (7) to fourteen (14) business days and returned to the original payment method used at purchase. Processing times by your bank or card issuer may add additional delay outside the Company's control.

11.7 Exclusions from the Refund Policy

For the integrity of the Company's Products and out of fairness to all customers, refunds will NOT be granted, regardless of category, in any of the following cases:

(a) Refund requests received after the applicable refund window has expired;

(b) Cases where the customer has not satisfied the applicable Good-Faith Use Requirement under Section 11.3 or Section 11.4;

(c) Pro Pack purchases that do not qualify for a discretionary exception under Section 11.5;

(d) Cases involving evidence of unauthorized sharing, downloading, redistribution, duplication, screen-recording, reselling, or any other unauthorized use of Product content;

(e) Cases where the customer has previously received a refund on any Product offered by the Company (subject to Section 11.10);

(f) Course bonuses, downloadable assets bundled with courses, software licenses, plug-ins, presets, music or sound packs, AI templates, or any licensed third-party content that has been accessed, downloaded, used, or redeemed;

(g) Live event tickets, in-person workshops, retreats, one-on-one consultations, group coaching calls, or any service-based Product that has already been delivered, attended, or partially consumed;

(h) Products designated as non-refundable in accordance with Section 11.1(D); and

(i) Cases where the Company, in its sole discretion, determines the refund request shows evidence of policy abuse, fraud, or bad faith.

11.8 Bonuses and Limited-Edition Materials

If a refund is issued on a course (Category A or B), access to all bonuses, founder-edition or early-access content (including but not limited to live Q&A sessions, private community access, founder bonuses, mentorship calls, downloadable assets, and any limited-edition or promotional material associated with the refunded Product) will be revoked immediately upon refund processing. Continued access to such bonus content requires an active, paid enrollment in the corresponding Product.

11.9 Subscription, Payment Plans, and Recurring Charges

If you are enrolled in a Product under a payment plan or installment arrangement, the applicable money-back guarantee runs from your initial enrollment date for that Product — not from the date of any subsequent installment payment. If a refund is granted under this Section, all remaining scheduled payments associated with the refunded Product will be cancelled at the time the refund is processed. Recurring subscription Products (if any) may have separate cancellation terms, which will be disclosed at the time of purchase.

11.10 Per-Customer Refund Limit

Each customer is eligible for a maximum of ONE (1) course refund (Category A or Category B) across all educational Products offered by the Company in their lifetime as a customer. After one course refund has been issued, the Company reserves the right to deny refund requests on subsequent course purchases. This policy exists to protect the Company against serial refund abuse while preserving the integrity of the money-back guarantee for genuine customers. This limit does not apply to discretionary exceptions for Pro Packs (Section 11.5) or to Non-Refundable Products (Section 11.1(D)), which have their own respective rules.

11.11 Final Decision

All refund decisions are made at the sole and final discretion of the Company. The Company reserves the right to deny refund requests that fall outside the terms outlined in this Section, that show evidence of policy abuse, or that the Company in good faith believes are made in bad faith. The Company further reserves the right to modify this Refund Policy at any time, with such modifications applying only to purchases made after the modification's effective date.

11.12 Statutory Consumer Rights & Digital Content Waiver

Nothing in this Refund Policy affects any non-waivable statutory consumer rights you may have under applicable consumer-protection laws in your jurisdiction (including, where applicable, mandatory cooling-off periods under the EU Consumer Rights Directive 2011/83/EU and similar laws in the United Kingdom, Australia, Canada, and other jurisdictions). Where a statutory right conflicts with this Refund Policy, the statutory right prevails to the extent required by law.

Important Notice Regarding Digital Downloadable Products: In many jurisdictions (including the European Union and the United Kingdom), the statutory cooling-off / right of withdrawal does not apply to digital content that has been delivered immediately and that the consumer expressly consented to receive prior to the expiry of the cooling-off period, AND acknowledged that they thereby waive their right of withdrawal. By purchasing a Pro Pack and accessing or downloading the digital content, you expressly consent to immediate delivery of the digital content and acknowledge that you waive any statutory right of withdrawal that would otherwise apply to that purchase.

12. LIMITED LICENSE FOR DIGITAL DOWNLOADABLE PRODUCTS (PRO PACKS)

This Section governs your rights and restrictions regarding any Pro Pack or other digital downloadable Product purchased from the Company.

12.1 License Grant

Upon successful purchase of a Pro Pack, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, worldwide, royalty-free license to use the Pro Pack for the following permitted purposes:

(a) Personal use in your own creative projects;

(b) Commercial use in your own original creative projects (such as videos, films, photography, podcasts, or other creative works produced by you or your business); and

(c) Use within your own client work, where the Pro Pack assets are integrated into deliverables created for your clients.

12.2 Prohibited Uses

You expressly agree NOT to do any of the following with any Pro Pack:

(a) Resell, redistribute, sublicense, or transfer the Pro Pack or any individual asset within the Pro Pack to any third party;

(b) Include the Pro Pack assets in any stock library, marketplace, asset pack, template store, or other product offered for sale or free download to third parties;

(c) Share, gift, lend, or otherwise distribute the Pro Pack files or login credentials with any other person;

(d) Upload the Pro Pack assets to any cloud storage, file-sharing service, peer-to-peer network, torrent service, or similar distribution platform in a manner that allows third-party access;

(e) Use the Pro Pack to create derivative products that compete with the Company's offerings (e.g., reselling LUTs you've slightly modified from a purchased Pro Pack);

(f) Use the Pro Pack in ways that would violate applicable laws, including without limitation copyright, trademark, defamation, privacy, or obscenity laws; and

(g) Reverse-engineer, extract, decompile, or otherwise attempt to derive source files from any Pro Pack asset for the purpose of reselling or redistributing the underlying components.

12.3 Ownership

All intellectual property rights in and to the Pro Packs — including but not limited to copyrights, trademarks, and trade secrets — remain the exclusive property of the Company and/or its licensors. This license grants you the right to USE the Pro Pack assets within the permitted scope; it does NOT transfer ownership of the assets to you.

12.4 License Termination for Breach

Any violation of this Section 12 constitutes a material breach of these Terms of Use and will result in immediate termination of your license to use the Pro Pack, without refund, in addition to any other remedies the Company may pursue under applicable law.

13. CHARGEBACK AND PAYMENT DISPUTE POLICY

13.1 Required First Step — Refund Request

If you experience an issue with a Product purchased from the Company, you agree to first contact the Company's support team at [email protected] to attempt resolution before filing a chargeback or payment dispute with your bank, credit card company, or payment processor. Most concerns can be resolved promptly through direct

communication.

13.2 Wrongful Chargebacks

You agree NOT to file a chargeback, payment dispute, or reversal claim with your bank, credit card company, or payment processor in any of the following circumstances:

(a) Where you have received the Product as described and the Company has fulfilled its obligations under the applicable Refund Policy;

(b) Where the issue could be resolved through a standard refund request under Section 11;

(c) Where you simply changed your mind, but the refund window has expired;

(d) Where the Product is sold as non-refundable or final sale (Categories C and D under Section 11);

(e) Where you have already received a refund on the Product;

(f) As a means of obtaining a refund outside the Company's published Refund Policy.

A chargeback filed under any of the above circumstances will be considered a wrongful chargeback and a material breach of these Terms of Use.

13.3 Consequences of Wrongful Chargebacks

If you file a wrongful chargeback, the Company reserves the right to:

(a) Immediately and permanently terminate your access to all Cinemaster Academy Products, including any Products you continue to be entitled to access;

(b) Permanently ban your email address, payment instruments, and any associated accounts from making future purchases from the Company;

(c) Pursue recovery of the disputed amount, plus any chargeback fees imposed by the payment processor, plus reasonable collection costs and attorneys' fees, through debt collection agencies or legal action;

(d) Report the chargeback to fraud-prevention databases and credit-reporting agencies where permitted by law; and

(e) Pursue any additional remedies available to the Company under applicable law.

13.4 Chargeback Defense

The Company will vigorously defend against wrongful chargebacks by submitting evidence of your purchase, your acceptance of these Terms of Use, the Refund Policy applicable at the time of purchase, your access to and consumption of the Product, and any communications between you and the Company. By making a purchase, you acknowledge that the Company is entitled to use such evidence in chargeback defense.

14. ACCOUNT TERMINATION

14.1 Termination by the Company

The Company reserves the right, in its sole discretion, to suspend or terminate your account and your access to the Site and all Products, with or without prior notice, for any reason, including but not limited to:

(a) Violation of these Terms of Use;

(b) Violation of the Limited License (Section 12) or unauthorized sharing or redistribution of Content;

(c) Filing a wrongful chargeback (Section 13);

(d) Engaging in fraudulent, abusive, or harassing behavior;

(e) Creating multiple accounts to circumvent restrictions, refund limits, or bans;

(f) Sharing account login credentials with any other person;

(g) Using the Site or Products for any unlawful purpose; or

(h) Any other conduct that the Company, in its sole discretion, determines to be harmful to the Company, other users, or the integrity of the Site or Products.

14.2 No Refund Upon Termination for Cause

If your account is terminated for cause (i.e., due to a breach of these Terms of Use or any of the reasons listed in Section 14.1), you forfeit all rights to refunds, partial refunds, store credit, or compensation of any kind, regardless of the time elapsed since purchase. Termination for cause is a remedy in addition to, not in place of, any other rights or remedies the Company may have.

14.3 Effect of Termination

Upon termination of your account:

(a) Your access to the Site and all purchased Products is immediately revoked;

(b) Any pending payment plan installments remain due and payable, unless explicitly waived by the Company in writing;

(c) All licenses granted to you under Section 12 (Limited License) immediately terminate; and

(d) You must immediately cease all use of any Content downloaded prior to termination.

14.4 Termination by You

You may stop using the Site at any time. If you wish to delete your account or exercise any data-deletion rights, please contact [email protected]. Termination by you does not entitle you to a refund unless you also satisfy the Refund Policy in Section 11.

15. STUDENT AND USER-GENERATED CONTENT

15.1 Your Submissions

If you submit work, projects, comments, posts, photos, videos, or other materials ("User Submissions") in connection with a Product (including in private communities, live Q&A sessions, course assignments, support communications, or social media interactions tagging or mentioning the Company), you retain ownership of your User Submissions.

15.2 License to the Company

By submitting User Submissions, you grant the Company a non-exclusive, royalty-free, worldwide, perpetual, irrevocable, sublicensable license to use, reproduce, modify, display, distribute, and create derivative works from your User Submissions for the following purposes:

(a) Marketing and promotion of the Company's Products;

(b) Showcasing student work and case studies;

(c) Educational use in current and future Products;

(d) Display in the Company's portfolio, sales pages, advertisements, social media, and other promotional channels; and

(e) Improving and developing the Company's Products and services.

15.3 Right to Decline

If you do not wish to grant the license described in Section 15.2 with respect to a specific User Submission, you must explicitly notify the Company in writing at [email protected] at the time of submission. The Company will honor reasonable opt-out requests but is not obligated to use any particular User Submission.

15.4 Your Representations

You represent and warrant that all User Submissions you provide:

(a) Are your original work or that you have all necessary rights, licenses, and permissions to submit them;

(b) Do not infringe on the intellectual property, privacy, or other rights of any third party; and

(c) Do not contain any unlawful, defamatory, obscene, or harmful content.

You agree to indemnify the Company against any claims arising from a breach of these representations.

16. FORCE MAJEURE

Neither party shall be liable for any failure or delay in performance under these Terms of Use to the extent such failure or delay is caused by events beyond the party's reasonable control, including but not limited to: acts of God, natural disasters, fires, floods, earthquakes, pandemics or epidemics, public health emergencies, war, terrorism, civil unrest, government actions, regulatory changes, internet or hosting platform outages, third-party service failures (including failures of payment processors, hosting providers, course platforms, or content delivery networks), cyberattacks, denial-of-service attacks, power failures, labor disputes, and any other event beyond the party's reasonable control (collectively, "Force Majeure Events").

In the event of a Force Majeure Event affecting the Company's ability to deliver Products or maintain Site availability, the Company will use commercially reasonable efforts to restore service as soon as practicable. The Company shall not be liable for refunds, damages, or other compensation arising from delays or disruptions caused by Force Majeure Events.

17. DISPUTE RESOLUTION, ARBITRATION, AND CLASS ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO RESOLVE DISPUTES WITH THE COMPANY ON AN INDIVIDUAL BASIS THROUGH BINDING ARBITRATION, AND IT LIMITS YOUR RIGHTS TO BRING OR PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION.

17.1 Informal Dispute Resolution

Before filing any formal claim, both parties agree to attempt to resolve the dispute informally. You agree to first contact the Company at [email protected] with a written description of the dispute, the relief you seek, and your contact information. The parties agree to negotiate in good faith for at least thirty (30) days before initiating any formal proceeding.

17.2 Binding Arbitration

If the dispute cannot be resolved informally within thirty (30) days, you and the Company agree that any and all disputes, claims, or controversies arising out of or relating to these Terms of Use, the Site, the Products, or your relationship with the Company (collectively, "Disputes") shall be resolved exclusively through final and binding individual arbitration, rather than in court, except as set forth below.

The arbitration shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be held in Las Vegas, Nevada, or, at your election, may be conducted by telephone or via online proceedings. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

17.3 Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN THAT PARTY'S INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. Unless both you and the Company expressly agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

17.4 Exceptions to Arbitration

The following matters are NOT subject to mandatory arbitration:

(a) Small claims court actions, provided the matter qualifies and remains in small claims court;

(b) Claims for injunctive relief to prevent unauthorized use of the Company's intellectual property; and

(c) Claims that cannot be subject to arbitration as a matter of law in your jurisdiction.

17.5 30-Day Right to Opt Out

You have the right to opt out of the arbitration and class-action waiver provisions of this Section by sending written notice of your decision to opt out to [email protected] within thirty (30) days of first agreeing to these Terms of Use. Your written notice must include your full name, address, and a clear statement that you wish to opt out of the arbitration provisions. If you opt out, neither you nor the Company is bound by

Sections 17.2 and 17.3.

17.6 Severability

If any portion of this Section 17 is found to be unenforceable, the unenforceable portion shall be severed, and the remainder of the Section shall continue in full force and effect, except that if the Class Action Waiver in Section 17.3 is found unenforceable as to any particular claim, that claim shall proceed in court rather than arbitration; the remaining claims shall continue to be subject to arbitration.

18. You agree to indemnify and hold the Company and each of its directors, officers, employees, and agents, harmless from any and all liabilities, claims, damages, and expenses, including reasonable attorney's fees, arising out of or relating to (i) your breach of this Agreement, (ii) any violation by you of law or the rights of any third party, (iii) any materials, information, works and/or other content of whatever nature or media that you post or share on or through the Site, (iv) your use of the Site or any services that the Company may provide via the Site, and (v) your conduct in connection with the Site or the services or with other users of the Site or the services. The Company reserves the right to assume the exclusive defense of any claim for which we are entitled to indemnification under this Section. In such event, you shall provide the Company with such cooperation as is reasonably requested by the Company.

19. The provisions of these Terms of Use are for the benefit of the Company, its subsidiaries, affiliates, successors, and its third-party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.

20. This agreement shall be governed by and construed in accordance with the laws of the State of Nevada, without giving effect to any principles of conflicts of law. Subject to the arbitration provisions in Section 17, you further submit to the exclusive jurisdiction of the state and federal courts sitting in Las Vegas (Clark County), Nevada. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

21. These Terms of Use may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then-current Terms of Use to which you are bound.

22. All questions, comments, or notices regarding these Terms of Use should be directed to: [email protected].