Terms of Service

CONTRACTUAL RELATIONSHIP

These Terms of Service (“Terms”) are a legal agreement between you (“you”) and Magniﬁ U, Inc. (“us” or “our” or “we” or “Magniﬁ U”) and govern your use of all the text, data, information, software, graphics, photographs, videos and other materials (collectively referred to as “Materials”) that we may make available to you through any area of the website located at https://www.professional.magniﬁu.com (the “Website”), any services we may provide through the Website (the “Services”) and any software that we provide for installation and use on a mobile device that permits you to access and use the Services (each, a “Mobile Application” and collectively with the Website, Materials and Services, the “Platform”).

PLEASE READ THESE TERMS CAREFULLY AS THEY CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND MAGNIFI U. You should review these terms before browsing the Website or otherwise using the Platform. By accessing or using any part of the Platform, you confirm your agreement to be bound by these Terms. You cannot use the Platform if you do not accept these Terms.

IMPORTANT: PLEASE BE ADVISED THAT THIS AGREEMENT CONTAINS A DISPUTE RESOLUTION AND ARBITRATION PROVISION, INCLUDING A CLASS ACTION WAIVER THAT AFFECTS HOW CLAIMS BETWEEN YOU AND MAGNIFI U MAY BE BROUGHT WITH RESPECT TO DISPUTES YOU MAY HAVE WITH MAGNIFI U. PLEASE REVIEW THE ARBITRATION AGREEMENT BELOW CAREFULLY AS IT REQUIRES YOU TO RESOLVE ALL DISPUTES WITH MAGNIFI U ON AN INDIVIDUAL BASIS AND, WITH LIMITED EXCEPTIONS, THROUGH FINAL AND BINDING ARBITRATION. BY ENTERING INTO THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND ALL OF THE TERMS OF THIS AGREEMENT AND HAVE TAKEN TIME TO CONSIDER THE CONSEQUENCES OF THIS IMPORTANT DECISION. YOU MAY OPT OUT OF THE BINDING INDIVIDUAL ARBITRATION AND CLASS ACTION WAIVER AS PROVIDED BELOW.

MAGNIFI U

Magnifi U provides a professional and personal development learning platform delivering personalized learning experiences to students ranging from high school students all the way to CEOs. Courses are both free and paid.

CHANGES

We may alter the Materials we offer and/or may choose to modify, suspend or discontinue any part of or all of the Platform at any time. We may also change, update, add or remove provisions of these Terms from time to time. We will inform you of any modiﬁcations to these Terms by posting them on the Website and, if you have registered with us, by describing the modiﬁcations to these Terms in an email that we will send to the email address associated with your account.

If we make any material modiﬁcations to the Materials or our Service or our price for any of our Materials or Service, we will notify you by email at least 30 days before such change takes effect.[RB1] If you object to any such modiﬁcations, your sole recourse shall be to cease using the Platform and, if you have a subscription with Magniﬁ U, cancelling that subscription by logging into your account and following the instructions for cancellation on the user dashboard within 30 days of your receipt of our notice of changes. Continued use of the Platform following notice of any such modiﬁcations indicates you acknowledge and agree to be bound by the modiﬁcations. Also, please know that these Terms may be superseded by expressly-designated legal notices or terms applicable to certain Services on the Platform or on the sites of our partners. Such expressly-designated legal notices or terms are incorporated into these Terms and supersede the provision(s) of these Terms that are designated as being superseded.

ACCESS AND USE OF THE PLATFORM

No one under 13 is allowed to create an account or use the Platform. By using the Platform, you agree that you are at least 18 years of age or, if you are under 18 years of age (a “Minor”), that you are using the Platform with the consent of your parent or legal guardian and you have received your parent’s or legal guardian’s permission to use the Platform and agree to these Terms. If you are a parent or legal guardian of a Minor, you agree to bind the Minor to these Terms and to fully indemnify and hold us harmless if the Minor breaches any of these Terms.

If you are using the Platform on behalf of a business or some other entity, you represent that you are authorized to bind that business or entity to these Terms and you agree to these Terms on behalf of that business or entity (and all references to “you” and “your” in these Terms will mean both you as the end user and that business or entity.).

Subject to compliance with these Terms, we are granting you a limited, personal, non-exclusive and non- transferable license to access the Website, use the Services, and display the Materials; your right to use the Materials is conditioned on your compliance with these Terms. You have no other rights in the Website, Services or any Materials and you may not modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit the Website, the Services or any of the Materials in any manner. If you make copies of any of the Materials then you must keep on the copies all of our copyright and other proprietary notices as they appear on the Website. You may not distribute, license, lease, resell, transfer, publicly display, publicly perform, transmit, stream, broadcast, or otherwise exploit the Materials or the Services except as expressly permitted by Magnifi U.

Unfortunately, if you breach any of these Terms, the above license will terminate automatically and you must immediately destroy any downloaded or printed Materials (and any copies thereof).

We reserve the right to revoke any license to access and use any Materials available on the Platform at any time if we in our sole discretion decide, or are obligated to, disable access to the Materials for any reason, such as, if a course or other content in which you are enrolled in is the subject of a copyright complaint.

Using Magnifi U Professional at Your Own Risk

Although we reserve the right to review or remove any content that appears on the Platform, our platform model means we do not review or edit the content for legal issues, and we are not in a position to determine the legality of content. We do not exercise any editorial control over the content that is available on the platform and, as such, do not guarantee in any manner the reliability, validity, accuracy, or truthfulness of the content. If you access content, you rely on any information provided by an instructor at your own risk.

By using the Services, you may be exposed to content that you consider offensive, indecent, or objectionable. Magnifi U Professional has no responsibility to keep such content from you and no liability for your access or enrollment in any course or other content, to the extent permissible under applicable law. This also applies to any content relating to health, wellness, and physical exercise. You acknowledge the inherent risks and dangers in the strenuous nature of these types of content, and by accessing such content you choose to assume those risks voluntarily, including risk of illness, bodily injury, disability, or death. You assume full responsibility for the choices you make before, during, and after your access to the content.

When you use our Services, you will find links to other websites that we don’t own or control. We are not responsible for the content or any other aspect of these third-party sites, including their collection of information about you. You should also read their terms and conditions and privacy policies.

USING THE PLATFORM

Magnifi U Professional Accounts

You need not register with us to simply visit and view the Website or download and install the Mobile Applications. However, in order to access certain password- restricted areas of the Website and to use Services, you must have registered for an account with us to access and use the Services, including to purchase and access paid-for content. For so long as you use the account, you agree to provide true, accurate, current, and complete information which can be accomplished by logging into your account and making relevant changes directly.

You are responsible for complying with these Terms when you access and use the Platform. It is your responsibility to obtain and maintain all equipment and services needed for you to access to and use the Platform as well as paying related charges. It is also your responsibility to maintain the conﬁdentiality of your password.

You may not share your account login credentials with anyone else. You are responsible for what happens with your account and Magnifi U will not intervene in disputes between you and anyone else with whom you have shared account login credentials. Should you believe your password or security for the Platform has been breached in any way, you must immediately notify us. We may request some information from you to confirm that you are indeed the owner of your account.

You may not access or use the Services or create an account for unlawful purposes. Your use of the Services and behavior on our platform must comply with applicable local or national laws or regulations of your country. You are solely responsible for the knowledge of and compliance with such laws and regulations that are applicable to you.

Mobile Applications

We distribute Mobile Applications that permit users to access and use certain of the Services and Materials via mobile devices. To use a Mobile Application, you must have a mobile device that is compatible with it. We do not warrant that any of the Mobile Applications will be compatible with your mobile device. We hereby grant you a limited, non-exclusive, non-transferable, revocable license to download and use object code copies of the Mobile Application for one registered account on mobile devices owned or leased by you, solely for your personal use. You may not:

(i) modify, disassemble, decompile or reverse engineer the Mobile Application, except to the extent that such restriction is expressly prohibited by law; (ii) rent, lease, loan, resell, sublicense, distribute or otherwise transfer the Mobile Application to any third-party or use the Mobile Application to provide time sharing or similar services for any third-party; (iii) make any copies of the Mobile Application; (iv) remove, circumvent, disable, damage or otherwise interfere with security-related features of the Mobile Application, features that prevent or restrict use or copying of any content accessible through the Mobile Application, or features that enforce limitations on use of the Mobile Application; or (v) delete the copyright and other proprietary rights notices on the Mobile Application. You acknowledge that we may from time to time issue upgraded versions of the Mobile Application, and may automatically electronically upgrade the version of the

Mobile Application that you are using on your mobile device. You consent to such automatic upgrading on your mobile device, and agree that these Terms will apply to all such upgrades. The foregoing license grant is not a sale of the Mobile Application or any copy thereof, and we and our third-party licensors or suppliers retain all right, title, and interest in and to the Mobile Application (and any copy of the Mobile Application). Standard carrier data charges may apply to your use of the Mobile Applications.

The following additional terms and conditions apply with respect to any Mobile Application that we provide to you designed for use on an Apple iOS-powered mobile device (an “iOS App”):

You acknowledge that these Terms are between you and Magniﬁ U only, and not with Apple, Inc. (“Apple”).
Your use of the iOS App must comply with Apple’s then-current App Store Terms of Service.
Magniﬁ U, and not Apple, is solely responsible for the iOS App and the Services and content available thereon. You acknowledge that Apple has no obligation to provide maintenance and support services with respect to our iOS App. To the maximum extent permitted by applicable law, Apple will have no warranty obligation whatsoever with respect to the iOS App.
You agree that Magniﬁ U, and not Apple, is responsible for addressing any claims by you or any third-party relating to the iOS App or your possession and/or use of the iOS App, including, but not limited to: (i) product liability claims; (ii) any claim that the iOS App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation, and you further agree all such claims are governed solely by these Terms and any law applicable to us as provider of the iOS App.
You agree that Magniﬁ U, and not Apple, shall be responsible, to the extent required by these Terms, for the investigation, defense, settlement and discharge of any third-party intellectual property infringement claim related to the iOS App or your possession and use of the iOS App.
You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the
U.S. Government as a “terrorist supporting” country; and (ii) you are not listed
on any U.S. Government list of prohibited or restricted parties.
You agree to comply with all applicable third-party terms of agreement when using the iOS App (e.g., you must not be in violation of your wireless data service terms of agreement when using the iOS App).
You agree that Apple and Apple’s subsidiaries are third-party beneﬁciaries to these Terms as it relates to your license of the iOS App. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as it relates to your license of the iOS App as a third-party beneﬁciary thereof.

The following additional terms and conditions apply with respect to any Mobile Application that we provide to you designed for use on an Android-powered mobile device (an “Android App”):

You acknowledge that these Terms are between you and Magniﬁ U only, and not with Google, Inc. (“Google”).
Your use of the Android App must comply with Google’s then-current Android
Market Terms of Service.
Google is only a provider of the Android Market where you obtained the Android App. Magniﬁ U, and not Google, is solely responsible for the Android App and the Services and content available thereon. Google has no obligation or liability to you with respect to the Android App or these Terms.
You acknowledge and agree that Google is a third-party beneﬁciary to these Terms as it relates to the Android App.

FEES AND PAYMENT

You agree to pay all fees applicable to your use of the Platform using one of the payment methods we support. Except as otherwise speciﬁed in these Terms (a) fees are quoted and payable in United States dollars, (b) fees are based on services purchased, regardless of actual usage, and (c) payment obligations are non- cancelable and non-pro-ratable, and fees paid are non-refundable, except as expressly described below.

We occasionally run promotions and sales for our content, during which certain content is available at discounted prices for a set period of time. The price applicable to the content will be the price at the time you complete your purchase of the content (at checkout). Any price offered for particular content may also be different when you are logged into your account from the price available to users who aren’t registered or logged in, because some of our promotions are available only to new users.

If you elect to purchase a paid course from the Platform, we or our third- party payment processor will charge your payment method (credit or debit card) on the date that you purchase. By providing a payment method, you expressly authorize Magniﬁ U and/or our third-party payment processor to charge the applicable fees to said payment method. You agree that we may invoice you for any unpaid fees, including without limitation any amounts owed by you that cannot be processed. You are responsible for providing complete and accurate billing and contact information to us and notifying us of any changes to such information.

REFUNDS

If the content you purchased is not what you were expecting, you can request, within 3 days of your purchase of the content, that Magnifi U apply a refund to your account. We reserve the right to apply your refund as a refund credit or a refund to your original payment method, at our discretion, depending on capabilities of our payment service providers, the platform from which you purchased your content (website or mobile app), and other factors. No refund is due to you if you request it after the 3-day guarantee time limit has passed. However, if the content you previously purchased is disabled for legal or policy reasons, you may be entitled to a refund beyond this 3-day limit. Magnifi U also reserves the right to refund students beyond the 3-day limit in cases of suspected or confirmed account fraud. To request a refund, please contact us.

At our discretion, if we believe you are abusing our refund policy, such as if you’ve consumed a significant portion of the content that you want to refund or if you’ve previously refunded the content, we reserve the right to deny your refund, restrict you from other future refunds, ban your account, and/or restrict all future use of the Services.

ELECTRONIC COMMUNICATIONS

By using the Platform (or any part thereof), you consent to being called by us and to receiving electronic communications from us (including, if you have opted in, telemarketing or advertising communications, via phone or text message) and from other users of the Services. These electronic communications may include notices about applicable fees and charges, transactional information and other information concerning or related to the Platform. These electronic communications are part of your relationship with us. You agree that any notices, agreements, disclosures or other communications that we send you electronically will satisfy any legal communication requirements, including that such communications be in writing. Standard carrier data charges may apply to your use of text messaging and you are solely responsible for such charges. If you have opted in to receiving telemarketing or advertising communications via phone or text message, you understand that calls and/or text messages made or sent for advertising purposes may be generated using prerecorded messages or artiﬁcial voice, and calls and messages may be delivered using an auto telephone dialing system or an automatic texting system. You further understand that your consent is not required as a condition of doing business with us, and that you may withdraw your consent to receiving telemarketing or advertising communications via phone or text message at any time.

PRIVACY POLICY

We respect the information that you provide to us, and want to be sure you fully understand exactly how we use that information. So, please review our privacy policy (“Privacy Policy”), which explains how we collect and use such information.

LINKS TO THIRD-PARTY SITES

We think links are convenient, and we sometimes provide links on the Platform to third-party websites. If you use these links, you will leave the Platform. We are not obligated to review any third-party websites that you link to from the Platform, we do not control any of the third-party websites, and we are not responsible for any of the third-party websites (or the products, services, or content available through any of them). Thus, unless speciﬁcally stated elsewhere in the Platform, we do not endorse or make any representations about such third-party websites, any information, software, products, services, or materials found there or any results that may be obtained from using them. If you decide to access any of the third- party websites linked to from the Platform, you do so entirely at your own risk and you must follow the privacy policies and terms and conditions for those third-party websites.

SUBMISSIONS

Certain areas of the Platform may permit you to upload or submit feedback, information, images, data, text, images, video, messages, or other materials (each, a “User Submission”). You agree that you are solely responsible for all of your User Submissions and that any such User Submission is considered both non-conﬁdential and non-proprietary. Further, we do not guarantee that you will be able to edit or delete any User Submission you have submitted.

By submitting any User Submission, you are promising us that:

You own all rights in your User Submission (including, without limitation, all rights to the reproduction and display of your User Submission) or, alternatively, you have acquired all necessary rights in your User Submission to enable you to grant to us the rights in your User Submission as described in these Terms;
You have paid and will pay in full all license fees, clearance fees, and other ﬁnancial obligations, of any kind, arising from any use or commercial exploitation of your User Submission;
Your User Submission does not infringe the copyright, trademark, patent, trade secret, or other intellectual property rights, privacy rights, or any other legal or moral rights of any third party;
You voluntarily agree to waive all “moral rights” that you may have in your User Submission;
Any information contained in your User Submission is not known by you to be false, inaccurate, or misleading;
Your User Submission does not violate any law (including, but not limited to, those governing export control, consumer protection, unfair competition, anti- discrimination, or false advertising);
Your User Submission is not, and may not reasonably be considered to be, defamatory, libelous, hateful, racially, ethnically, religiously, or otherwise biased or offensive, unlawfully threatening, or unlawfully harassing to any individual, partnership, or corporation, vulgar, pornographic, obscene, or invasive of another’s privacy;
You were not and will not be compensated or granted any consideration by any third party for submitting your User Submission;
Your User Submission does not incorporate materials from a third-party website, or addresses, email addresses, contact information, or phone numbers (other than your own);
Your User Submission does not contain any viruses, worms, spyware, adware, or other potentially damaging programs or ﬁles;
Your User Submission does not contain any information that you consider conﬁdential, proprietary, or personal; and
Your User Submission does not contain or constitute any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation.

You retain ownership of your User Submissions. By submitting a User Submission and indicating that you agree to share that User Submission with others, you agree that we may freely disclose your User Submission to any third party absent any obligation of conﬁdence on the part of the recipient, and grant to us an irrevocable, perpetual, transferable, non-exclusive, fully-paid, worldwide, royalty-free license (sublicensable through multiple tiers) to:

Use, host, store, display, cache, distribute, reproduce, modify, adapt, publish, analyze, transmit, translate, publicly perform, and publicly display your User Submissions (or any modiﬁcation thereto), in whole or in part, in any format or medium now known or later developed;
Use (and permit others to use) your User Submission in any manner and for any purpose (including, without limitation, commercial purposes) that we deem appropriate in our sole discretion (including, without limitation, to incorporate your User Submission or any modiﬁcation thereto, in whole or in part, into any technology, product, or service);
Display advertisements in connection with your User Submissions and to use your User Submissions for advertising and promotional purposes;
Make your content available to, and pass these rights along to, service providers with whom we have contractual relationships related to the provision of the Services on the Platform, solely for the purpose of providing such Services.

We may, but are not obligated to, pre-screen User Submissions or monitor any area of the Platform through which User Submissions may be submitted. We are not required to host, display, or distribute any User Submissions on or through the Platform and may remove at any time or refuse any User Submissions for any reason. We are not responsible for any loss, theft, or damage of any kind to any User Submissions.

Notwithstanding anything else in these Terms or otherwise, Magniﬁ U may monitor your use of the Platform and use data and information related to such use (including but not limited to information obtained from your User Submissions), as set forth in our Privacy Policy.

UNAUTHORIZED ACTIVITIES

We authorize your use of the Platform only for individual, consumer purposes (“Permitted Purposes”). Any other use of the Platform beyond the Permitted Purposes is prohibited and, therefore, constitutes unauthorized use of the Platform. This is because as between you and Magniﬁ U, all rights in the Platform and Materials remain our property.

Unauthorized use of the Platform may result in violation of various United States and international laws. Unless you have written permission from us stating otherwise, you are not authorized to use the Platform except as expressly authorized in this Agreement. Examples of unauthorized uses include, but are not limited to uses of the Platform: :

For any public or commercial purpose which includes use of the Materials on another site or through a networked computer environment;
In a manner that modiﬁes, publicly displays, publicly performs, reproduces or
distributes any of the Platform;
In a manner that violates any local, state, national, foreign, or international statute, regulation, rule, order, treaty, or other law;
To stalk, harass, or harm another individual;
To impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity;
To interfere with or disrupt the Platform or servers or networks connected to the Website;
To use any data mining, robots, or similar data gathering or extraction methods in connection with the Platform; or
To attempt to gain unauthorized access to any portion of the Platform or any other accounts, computer systems, or networks connected to the Platform, whether through hacking, password mining, or any other means.

INDEMNIFICATION

You are responsible for any violation of these Terms by you. You agree to indemnify, defend, and hold harmless Magniﬁ U and its subsidiaries, affiliates, officers, directors, agents, co-branders or other partners, employees, licensors, agents, and representatives from and against any and all complaints, charges, claims, damages, losses, costs, liabilities, and expenses (including reasonable attorneys’ fees and disbursements) due to, arising out of or from, or relating in any way to (i) your breach of these Terms or any applicable law or regulation, and (ii) your access to or use of the Platform, or any Materials or Services provided by us or a third party in connection with the Platform; or (c) your negligence or willful misconduct. This obligation shall survive in the event these Terms are terminated for any reason. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemniﬁcation by you and, in such case, you agree to cooperate with our defense of such claim.

PROPRIETARY RIGHTS

The trademarks, service marks, and logos of Magniﬁ U (“Our Trademarks”) used and displayed on various parts of the Platform are registered and unregistered trademarks or service marks of Magniﬁ U. Other company, product, and service names located on the Platform may be trademarks or service marks owned by others (the “Third-Party Trademarks”, and, collectively with Our Trademarks, the “Trademarks”). Nothing in these Terms should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks, without our prior written permission speciﬁc for each such use. Use of the Trademarks as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of Our Trademarks inures to our beneﬁt.

Unless otherwise speciﬁed in these Terms, all Materials, including the arrangement of them on the Platform are our sole property, or the property of our suppliers and licensors. All rights not expressly granted herein are reserved. Except as otherwise required or limited by applicable law, any reproduction, distribution, modiﬁcation, retransmission, or publication of any copyrighted material is strictly prohibited without the express written consent of the copyright owner or license.

INTELLECTUAL PROPERTY INFRINGEMENT

We respect the intellectual property rights of others and encourage you to do the same. Accordingly, we have a policy of removing User Submissions that violate intellectual property rights of others, suspending access to the Platform (or any portion thereof) to any user who uses the Platform in violation of another’s intellectual property rights, and/or terminating in appropriate circumstances, as determined in our sole discretion, the account of any user who uses the Platform in violation of another’s intellectual property rights.

We honor copyright laws, including the Digital Millennium Copyright Act and take reasonable steps to expeditiously remove from the Platform any infringing material that we be become aware of. If we become aware that a user has repeatedly infringed copyrights, we will take reasonable steps within our power to terminate the user’s account. We have implemented procedures for receiving written notiﬁcation of claimed copyright infringement and for processing such claims under applicable law. If you believe that anything on the Platform infringes a copyright or other intellectual property that you own or control, please provide written notice to our designated agent for notice of claims of infringement:

Lisa King
Magniﬁ U, Inc.
6 North Main St. Ste. 235
Fairport, NY 14450

If you file a notice with our copyright agent, it must comply with the requirements set forth at 17 U.S.C. § 17(c)(3), which means that your written notice must:

Contain the physical or electronic signature of a person authorized to act on behalf of the copyright or intellectual property owner;
Identify the copyrighted work or other intellectual property claimed to have been infringed;
Identify the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed, or access to which is to be disabled in a sufficiently precise manner to allow us to locate that material;
provide your contact information, including your address, telephone number, and an email address;
Contain a personal statement that you have a good faith belief that the use of the copyrighted material or other intellectual property in the manner complained of is not authorized by the owner, the owner’s agent or the law;

Contain a personal statement that the information in the written notice is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright or other intellectual property right owner.

Unless the notice pertains to copyright or other intellectual property infringement, the agent will be unable to address the listed concern.

Submitting a Digital Millennium Copyright Act (“DMCA”) Counter-Notiﬁcation

We will notify you that we have removed or disabled access to copyright-protected material that you provided, if such removal is pursuant to a validly received DMCA take-down notice. In response, you may provide our agent with a written counter- notiﬁcation that includes the following information:

Your physical or electronic signature;
Identiﬁcation of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or access to it was disabled;
A statement from you under the penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentiﬁcation of the material to be removed or disabled; and
Your name, physical address and telephone number, and a statement that you consent to the jurisdiction of a court for the judicial district in which your physical address is located, or if your physical address is outside of the United States, for any judicial district in which we may be located, and that you will accept service of process from the person who provided notiﬁcation of allegedly infringing material or an agent of such

Termination of Repeat Infringers

We reserve the right, in our sole discretion, to terminate the account or access of any user of the Platform who is the subject of repeated DMCA or other infringement notiﬁcations.

YOUR RELATIONSHIP WITH US; DISPUTES AMONG USERS

No agency or partnership

No agency, partnership, joint venture, or employment is created as a result of these Terms or your use of any part of the Platform. You do not have any authority whatsoever to bind us in any respect. The parties agree that Magniﬁ U is a technology company whose primary business is providing a web-based professional and personal development learning platform. Neither we nor any users of the Platform may direct or control the day-to-day activities of the other, or create or assume any obligation on behalf of the other.

Disputes between users

Your interactions with individuals and/or organizations found on or through the Platform are solely between you and such individual or organization. You should take reasonable precautions and make whatever investigation or inquiries you deem necessary or appropriate before proceeding with any online or offline transaction with any individuals or entities with whom you may interact as a result of your use of the Platform.

You understand that deciding whether to use information found on the Platform is your personal decision for which you alone are responsible. You understand that we do not and cannot make representations as to the suitability of any individual you may decide to interact with on or through the Platform and/or the accuracy or suitability of any advice, information, or recommendations made by any individual.

IF THERE IS A DISPUTE BETWEEN USERS OF THE PLATFORM, OR BETWEEN ANY USER OF THE PLATFORM AND ANY THIRD PARTY, YOU ACKNOWLEDGE AND AGREE THAT WE ARE UNDER NO OBLIGATION TO BECOME INVOLVED. IN THE EVENT THAT A DISPUTE ARISES BETWEEN YOU AND ANY THIRD PARTY, YOU HEREBY RELEASE US, OUR OFFICERS, MANAGERS, MEMBERS, DIRECTORS, EMPLOYEES, ATTORNEYS, AGENTS, AND SUCCESSORS IN RIGHTS FROM ANY CLAIMS, DEMANDS, AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND OR NATURE, KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, FORESEEABLE OR UNFORESEEABLE, DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY RELATED TO SUCH DISPUTES. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE §1542, WHICH SAYS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”

DISCLAIMER OF WARRANTIES

THE WEBSITE, MATERIALS, MOBILE APPLICATIONS AND SERVICES ARE PROVIDED “AS IS” AND “AND AS AVAILABLE”, AND TO THE EXTENT PERMITTED BY LAW AND EXCEPT AS EXPLICITLY STATED HEREIN, WITHOUT WARRANTIES OF ANY KIND, EXPRESS , IMPLIED OR STATUTORY. MAGNIFI U DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED OR STATUTORY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, , SATISFACTORY QUALITY, AND NON-INFRINGEMENT..

WE MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE WEBSITE, MATERIALS, MOBILE APPLICATIONS AND/OR SERVICES WILL MEET YOUR REQUIREMENTS, THAT YOUR USE OF THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE , OR ERROR FREE OR THAT DEFECTS IN THE PLATFORM WILL BE CORRECTED. WE MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE, MATERIALS, MOBILE APPLICATIONS OR SERVICES, OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OR SERVICES OBTAINED THROUGH THE USE OF THE PLATFORM, AND ARE NOT RESPONSIBLE FOR THE PRODUCTS, SERVICES, ACTIONS, OR FAILURE TO ACT OF ANY THIRD PARTY. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH THE PLATFORM OR FROM US OR OUR SUBSIDIARIES/OTHER AFFILIATED ENTITIES SHALL CREATE ANY WARRANTY. WE DISCLAIM ALL EQUITABLE INDEMNITIES.

LIMITATION OF LIABILITY

YOU ARE USING THE WEBSITE, MATERIALS, MOBILE APPLICATIONS AND SERVICES AT YOUR SOLE RISK. WE SHALL NOT BE LIABLE FOR ANY DAMAGES RESULTING FROM YOUR DISPLAYING, COPYING, OR DOWNLOADING ANY MATERIALS TO OR FROM THE PLATFORM OR YOUR USE OF THE PLATFORM, THE MATERIALS, THE MOBILE APPLICATIONS, AND THE SERVICES. IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, EXTRAORDINARY, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING DAMAGES RESULTING FROM LOSS OF DATA, REVENUE, LOST PROFITS, COST OF SUBSTITUTE GOODS AND SERVICES, PERSONAL INJURY, PROPERTY DAMAGE, OR OTHER ECONOMIC ADVANTAGE RELATED TO, IN CONNECTION WITH, OR OTHERWISE RESULTING FROM ANY USE OF THE WEBSITE, MATERIALS, MOBILE APPLICATIONS, OR SERVICES, REGARDLESS OF THE NEGLIGENCE (EITHER ACTIVE, AFFIRMATIVE, SOLE, OR CONCURRENT) OF MAGNIFI U, EVEN IF MAGNIFI U HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEXT EXTENT PERMITTED BY LAW, WE TAKE NO RESPONSIBILITY AND ASSUME NO RESPONSIBILITY FOR ANY CONTENT THAT YOU, ANOTHER USER, OR A THIRD PARTY CREATES, UPLOADS, POSTS, SENDS, RECEIVES, VIEWS, OR STORES ON OR THROUGH THE PLATFORM OR THE MOBILE APPLICATIONS AND YOU UNDERSTAND AND AGREE THAT YOU MAY BE EXPOSED TO CONTENT THAT MIGHT BE OFFENSIVE, ILLEGAL, MISLEADING, OR OTHERWISE INAPPROPRIATE, NONE OF WHICH WE WILL BE RESPONSIBLE FOR.

YOU ACKNOWLEDGE AND AGREE THAT WE DO NOT HAVE AN OBLIGATION TO CONDUCT BACKGROUND CHECKS ON ANY USER. YOU ARE SOLELY RESPONSIBLE FOR ALL OF YOUR COMMUNICATIONS AND INTERACTIONS WITH OTHER USERS OF THE PLATFORM, AND WITH OTHER PERSONS WITH WHOM YOU COMMUNICATE OR INTERACT AS A RESULT OF YOUR USE THEREOF. YOU UNDERSTAND THAT WE DO NOT MAKE ANY ATTEMPT TO VERIFY THE STATEMENTS OF USERS OF THE PLATFORM. WE MAKE NO REPRESENTATIONS OR WARRANTIES AS TO THE CONDUCT OF USERS OF THE PLATFORM OR THEIR COMPATIBILITY WITH ANY CURRENT OR FUTURE USERS OF THE PLATFORM. YOU AGREE TO TAKE REASONABLE PRECAUTIONS IN ALL COMMUNICATIONS AND INTERACTIONS WITH ANY PERSONS WITH WHOM YOU COMMUNICATE OR INTERACT AS A RESULT OF YOUR USE OF THE PLATFORM, PARTICULARLY IF YOU MEET OFFLINE OR IN PERSON, REGARDLESS OF WHETHER WE FACILITATE SUCH

MEETINGS. WE EXPLICITLY DISCLAIM ALL LIABILITY FOR ANY ACT OR OMISSION OF ANY USER OF THE PLATFORM AND ALL OTHER THIRD PARTIES.

LOCAL LAWS; EXPORT CONTROL

We control and operate the Website and provide the Services from our headquarters in the United States of America and the entirety of the Platform may not be appropriate or available for use in other locations. If you use the Platform (or any portion thereof) outside the United States of America, you are solely responsible for following applicable local laws.

FEEDBACK

Any feedback provided by you to us (e.g., comments, questions, suggestions, etc. – collectively, “Feedback”) through any means of communication whatsoever (e.g., call, fax, email) will be treated as both non-conﬁdential and non-proprietary. You hereby assign all right, title, and interest in, and we are free to use, without any attribution or compensation to you, any ideas, know-how, concepts, techniques, or other intellectual property and proprietary rights contained in the Feedback, whether or not patentable, for any purpose whatsoever, including but not limited to, developing, manufacturing, having manufactured, licensing, marketing, and selling, directly or indirectly, products and services using such Feedback. Where the foregoing assignment is prohibited by law, you hereby grant us an exclusive, transferable, worldwide, royalty-free, fully paid up license (including the right to sublicense) to use and exploit all Feedback as we may determine in our sole discretion. You understand and agree, however, that we are not obligated to use, display, reproduce, or distribute any such ideas, know-how, concepts, or techniques contained in the Feedback, and you have no right to compel such use, display, reproduction, or distribution.

DISPUTE RESOLUTION AND ARBITRATION; CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING PARAGRAPHS CAREFULLY BECAUSE THEY PROVIDE THAT YOU AND MAGNIFI U AGREE TO RESOLVE ALL DISPUTES BETWEEN US THROUGH BINDING INDIVIDUAL ARBITRATION.

These Terms contain an Arbitration Agreement (“the Arbitration Agreement”) and provide that all Disputes (as deﬁned below) between you and Magniﬁ U shall be resolved on an individual basis by binding arbitration. Arbitration is a form of private dispute resolution and replaces the right to go to court. In the absence of this arbitration agreement, you may

otherwise have a right or opportunity to bring claims in a court, before a judge or jury, and/or to participate in or be represented in a case ﬁled in court by others (including, but not limited to, class actions). Except as otherwise provided, your use of the Platform, the Services, or the Mobile Applications and your agreement to these Terms constitutes a waiver of your right to litigate claims in court and all opportunity to be heard by a judge or jury. There is no judge or jury in arbitration, and court review of an arbitration award is limited. The arbitrator must follow these Terms and can award the same damages and relief as a court (including attorney’s fees).

For purposes of this Provision, “Magniﬁ U” means Magniﬁ U, Inc. and its parents, subsidiaries, and affiliate companies, and each of their respective officers, directors, employees, and agents.

The term “Dispute” means any dispute, claim, or controversy between you and Magniﬁ U regarding, arising out of or relating to any aspect of your relationship with Magniﬁ U, whether based in contract, statute, regulation, ordinance, tort (including, but not limited to, fraud, misrepresentation, fraudulent inducement, or negligence), or any other legal or equitable cause of action or claim for relief, and includes the validity, enforceability or scope of this Provision (with the exception of the enforceability of the Class Action Waiver clause below). ”Dispute” is to be given the broadest possible meaning that will be enforced, and shall include any claims against other parties relating to services or products provided or billed to you (such as Magniﬁ U’s licensors, suppliers, dealers or third-party vendors) whenever you also assert claims against us in the same proceeding.

YOU AND MAGNIFI U EACH AGREE THAT, EXCEPT AS PROVIDED BELOW, ANY AND ALL DISPUTES, AS DEFINED ABOVE, WHETHER PRESENTLY IN EXISTENCE OR BASED ON ACTS OR OMISSIONS IN THE PAST OR IN THE FUTURE, WILL BE RESOLVED EXCLUSIVELY AND FINALLY BY BINDING ARBITRATION RATHER THAN IN COURT IN ACCORDANCE WITH THIS PROVISION.

Pre-Arbitration Claim Resolution

For all Disputes, whether pursued in court or arbitration, you must ﬁrst give Magniﬁ U an opportunity to resolve the Dispute. You must commence this process by mailing written notiﬁcation to Magniﬁ U, Inc., 6 North Main Street; Fairport, NY 14450. That written notiﬁcation must include (1) your name, (2) your address, (3) a written description of your Claim, and (4) a description of the speciﬁc relief you seek. If Magniﬁ U does not resolve the Dispute to your satisfaction within 45 days after it receives your written notiﬁcation, you may pursue your Dispute in arbitration. You may pursue your Dispute in a court only under the circumstances described below.

Exclusions from Arbitration/Right to Opt Out

Notwithstanding the above, this Arbitration Agreement shall not require arbitration of individual claims brought in small claims court so long as the matter remains in such court and advances only on an individual basis.

YOU MAY OPT OUT OF THESE ARBITRATION PROCEDURES WITHIN 30 DAYS FROM THE DATE THAT YOU FIRST CONSENT TO THESE TERMS (the “Opt-Out Deadline”). You may opt out of this Provision by mailing written notiﬁcation to Magniﬁ U, Inc., 6 North Main Street; Fairport, NY 14450. Your written notiﬁcation must include (1) your name, (2) your address, and (3) a clear statement that you do not wish to resolve disputes with Magniﬁ U through arbitration. Your decision to opt-out of this Arbitration Provision will have no adverse effect on your relationship with Magniﬁ U. Any opt-out request received after the Opt-Out Deadline will not be valid and you must pursue your Dispute in arbitration or small claims court.

Arbitration Procedures

If this Arbitration Agreement applies and the Dispute is not resolved as provided above (Pre- Arbitration Claim Resolution) either you or Magniﬁ U may initiate arbitration proceedings. The American Arbitration Association (“AAA”), www.adr.org, or JAMS, www.jamsadr.com, will arbitrate all Disputes, and the arbitration will be conducted before a single arbitrator. The arbitration shall be commenced as an individual arbitration only and shall in no event be commenced or maintained or heard as a class arbitration or a consolidated or representative action or arbitration. All issues shall be for the arbitrator to decide, including the scope of this Provision.

For arbitration before AAA, for Disputes of less than $75,000, the AAA’s Supplementary Procedures for Consumer-Related Disputes will apply; for Disputes involving $75,000 or more, the AAA’s Commercial Arbitration Rules will apply. In either instance, the AAA’s Optional Rules For Emergency Measures Of Protection shall apply. The AAA rules are available at www.adr.org or by calling 1-800-778- 7879. For arbitration before JAMS, the JAMS Comprehensive Arbitration Rules & Procedures and the JAMS Recommended Arbitration Discovery Protocols For Domestic, Commercial Cases will apply. The JAMS rules are available at www.jamsadr.com or by calling 1-800-352-5267. This Provision governs in the event it conﬂicts with the applicable arbitration rules. Under no circumstances will class action or representative action procedures or rules apply to the arbitration.

Because the Platform and these Terms concern interstate commerce, the Federal Arbitration Act (“FAA”) governs the arbitrability of all Disputes. However, the arbitrator will apply applicable substantive law consistent with the FAA and the applicable statute of limitations or condition precedent to suit.

Arbitration Award – The arbitrator may award on an individual basis any relief that would be available pursuant to applicable law and will not have the power to award relief to, against or for the beneﬁt of any person who is not a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party or if required by applicable law. Such award will be ﬁnal and binding on the parties, except for any right of appeal provided by the FAA or other applicable law and may be entered in any court having jurisdiction over the parties for purposes of enforcement.

Location of Arbitration – You or Magniﬁ U may initiate arbitration in either New York County, New York or the judicial district that includes your billing address. However, if Magniﬁ U initiates the arbitration in New York County, you shall have the right to have the arbitration transferred to the AAA or JAMS within the judicial district that includes your billing address.

Payment of Arbitration Fees and Costs – Magniﬁ U will pay all arbitration ﬁling fees and AAA or JAMS hearing fees and any arbitrator’s hearing fees, costs and expenses upon your written request to the arbitrator given at or before the ﬁrst evidentiary hearing in the arbitration. You are responsible for all additional fees and costs that you incur in the arbitration, including, but not limited to, attorneys or expert witnesses. Fees and costs may be awarded as provided pursuant to applicable law. In addition to any rights to recover fees and costs under applicable law, if you provide notice and negotiate in good faith with Magniﬁ U as provided in the section above titled “Pre-Arbitration Claim Resolution” and the arbitrator concludes that you are the prevailing party in the arbitration, you will be entitled to recover reasonable attorney’s fees and costs as determined by the arbitrator.

Class Action Waiver

ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS, EXCEPT AS EXPRESSLY PROVIDED IN THIS ARBITRATION AGREEMENT. CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. Except as otherwise provided in this Arbitration Agreement, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a class or representative proceeding or claims (such as a class action, consolidated action, representative action, or private attorney general action) unless both you and Magniﬁ U speciﬁcally agree to do so in writing following initiation of the arbitration. If you choose to pursue your Dispute in court by opting out of the Arbitration Provision, as speciﬁed above, this Class Action Waiver will not apply to you. Neither you, nor any other user of the Platform can be a class representative, class member, or otherwise participate in a class, consolidated, or representative proceeding without having complied with the opt-out requirements above.

Waiver of Jury Trial

Arbitration does not involve a judge or jury. YOU AND MAGNIFI U WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You understand and agree that by entering into these Terms you and Magniﬁ U are each giving up the right to a jury trial or a trial before a judge in a public court. In the absence of this Arbitration Agreement, you and Magniﬁ U might otherwise have had a right or opportunity to bring Disputes in a court, before a judge or jury, and/or to participate or be represented in a case ﬁled in court by others (including class actions). Except as otherwise provided below, those rights are waived. Other rights that you would have if you went to court, such as the right to appeal and to certain types of discovery, may be more limited or may also be waived.

Severability

If any clause within this Arbitration Agreement (other than the Class Action Waiver clause above) is found to be illegal or unenforceable, that clause will be severed from this Arbitration Agreement, and the remainder of this Arbitration Agreement will be given full force and effect. If the Class Action Waiver clause is found to be illegal or unenforceable, this entire Provision will be unenforceable, and the Dispute will be decided by a court.

Arbitration Agreement Survival

This Arbitration Agreement shall survive the termination of your relationship with Magniﬁ U or its affiliates. Notwithstanding any provision in these Terms to the contrary, we agree that if Magniﬁ U makes any change to this Arbitration Agreement (other than a change to the Notice Address), you may reject any such change and require Magniﬁ U to adhere to the present language in this Arbitration Agreement as of the day you entered into these Terms if a dispute between us arises.

Choice of Law and Exclusive Venue

To the extent that these Terms allow you or Magnifi U to initiate litigation in a court, both you and Magnifi U agree that all Disputes (whether contract, tort, or otherwise) including statutory claims and disputes, arising out of or relating to the Terms or the use of the Platform or the Mobile Applications, will be litigated exclusively in the courts located in New York County in the State of New York. You and Magnifi U consent to the personal jurisdiction of such courts.

Except to the extent that they are preempted by U.S. federal law, the laws of the State of New York, other than its conflict-of-laws principles, govern these Terms and any claims and disputes (whether contract, tort, or otherwise) arising out of or relating to these Terms or their subject matter. Foreign laws do not apply. The United Nations on Contracts for the International Sale of Goods and any laws based on the Uniform Computer Information Transactions Act (UCITA) shall not apply to these Terms. If any of these Terms is found to be inconsistent with applicable law, then such term shall be interpreted to reﬂect the intentions of the parties, and no other terms will be modiﬁed. Our failure to enforce any of these Terms is not a waiver of such term.

Entire Agreement

These Terms are the entire agreement between you and Magniﬁ U and supersede all prior or contemporaneous negotiations, discussions or agreements between you and Magniﬁ U about the Platform. The proprietary rights, disclaimer of warranties, representations made by you, indemnities, limitations of liability and general provisions shall survive any termination of these Terms.

Updating These Terms

From time to time, we may update these Terms to clarify our practices or to reflect new or different practices (such as when we add new features), and Magnifi U Professional reserves the right in its sole discretion to modify and/or make changes to these Terms at any time. If we make any material change, we will notify you using prominent means, such as by email notice sent to the email address specified in your account or by posting a notice through our Services. Modifications will become effective on the day they are posted unless stated otherwise.

Your continued use of our Services after changes become effective shall mean that you accept those changes. Any revised Terms shall supersede all previous Terms.

CONTACT US

If you have any questions about these Terms or otherwise need to contact us for any reason, you can reach us at contact@magniﬁu.com.