ARTICLE 1. Parties

This Agreement is entered into by and between BDN Multiservices LLC, a Florida limited liability company organized and existing under the laws of the State of Florida, together with its members, managers, officers, employees, instructors, agents, affiliates, successors, assigns, licensors, contractors, and representatives (collectively, the "Company"), and the individual who enrolls in the Company's educational program and completes the enrollment and payment process through the Company's website or other authorized platform (the "Student" or "Subscriber").

The identity of the Student shall be established by the information provided by the Student during the enrollment, registration, checkout, or payment process, including, without limitation, the Student's name, email address, billing information, payment records, account information, and any other identifying information maintained by the Company in its ordinary course of business.

The Company and the Student may each be referred to individually as a "Party" and collectively as the "Parties."

ARTICLE 2. Purpose of the Agreement

The purpose of this Agreement is to establish the terms and conditions governing the Student's enrollment in, participation in, and access to the Company's educational subscription program.

This Agreement governs all services, educational materials, digital content, live training sessions, prerecorded lessons, downloadable resources, templates, bonuses, and any other benefits provided by the Company during the Program.

ARTICLE 3. Description of Services

The Company agrees to provide the Student with access to the educational Program purchased by the Student. The Program may include, without limitation: live virtual classes, pre-recorded educational lessons, and downloadable educational materials. The Company reserves the right to improve, modify, replace, reorganize, update, or discontinue portions of the Program provided that such modifications do not materially reduce the overall educational value of the Program.

ARTICLE 4. Term of Program

The Student acknowledges that the educational Program has a duration of four (4) consecutive months. Enrollment in the Program constitutes enrollment in the entire educational curriculum and not solely on a month-to-month educational basis. The Company permits monthly payments solely as a financing convenience.

The Student acknowledges that: (a) the Program is designed to be completed over approximately four (4) months; (b) each month's content builds upon prior lessons; (c) access to educational content is progressively released throughout the Program; (d) educational materials become available immediately upon enrollment and throughout participation in the Program. Nothing contained herein shall be construed as creating a month-to-month educational contract independent of the complete Program.

ARTICLE 5. Subscription; Payment; Recurring Billing Authorization

The Student agrees to pay the subscription fees established by the Company at the time of enrollment. By enrolling, the Student expressly authorizes the Company to automatically charge the payment method designated by the Student for recurring monthly subscription payments.

The Student authorizes recurring charges until: (a) the four-month Program has concluded; or (b) the Subscription is canceled pursuant to this Agreement.

The Student represents and warrants that: the payment information provided is accurate; the Student is authorized to use the payment method; sufficient funds or credit shall remain available.

The Student agrees to promptly update any expired or changed payment information.

Failure to maintain valid payment information shall constitute a material breach of this Agreement.

The Company may utilize third-party payment processors to process recurring charges.

The Student authorizes such payment processors to process recurring transactions on behalf of the Company.

ARTICLE 6. Payment failure; Suspension of Access

If any scheduled payment is declined, rejected, reversed, disputed, or otherwise fails to process for any reason, the Company may, without prior notice: (a) immediately suspend the Student's access to the Program; (b) suspend access to all educational materials; (c) suspend access to any community; (d) suspend participation in coaching sessions; (e) suspend access to downloadable materials; (f) suspend issuance of certificates or completion acknowledgments.

Access shall remain suspended until the outstanding balance has been paid in full and the payment method has been successfully processed. The Company may make additional attempts to process the payment. The Student remains responsible for all unpaid amounts.

ARTICLE 7. Cancellation of subscription

The Student may cancel future recurring subscription charges by submitting written notice to the Company through the method designated by the Company, including email or the Company's online account portal. Cancellation requests must include: Student's full name; email address; request to cancel the subscription. Cancellation shall become effective at the conclusion of the Student's current billing cycle unless otherwise required by applicable law. Upon the Effective Cancellation Date: (a) all future recurring charges shall cease; (b) the Student's access to the Platform shall immediately terminate; (c) access to all educational materials shall terminate; (d) community access shall terminate; (e) coaching access shall terminate; (f) all licenses granted under this Agreement shall immediately expire. The Company reserves the right to verify the identity of any individual requesting cancellation before processing such request.

ARTICLE 8. No refunds

The Student expressly acknowledges that the Program consists primarily of digital educational content that becomes available immediately upon enrollment and throughout participation. Accordingly, all payments made under this Agreement are final and non-refundable, except as otherwise required by applicable law. The Student specifically acknowledges that no refund shall be provided because: (a) digital educational content has been made available; (b) proprietary educational methods have been disclosed; (c) access to the Platform has been granted; (d) the Student has received or had the opportunity to receive educational services. Cancellation of the Subscription does not entitle the Student to reimbursement of any monthly payments previously charged or paid.

ARTICLE 9. Student acknowledgements

The Student expressly acknowledges and agrees that: The Company provides educational services only; The Company does not guarantee any particular financial, business, professional, employment, academic, licensing, certification, investment, or personal results; Individual success depends upon numerous factors beyond the Company's control, including the Student's own efforts, experience, market conditions, business decisions, financial resources, and implementation; Any testimonials, examples, success stories, or case studies presented by the Company are illustrative only and do not constitute a guarantee that the Student will achieve similar results; The Student assumes full responsibility for all decisions made in reliance upon the educational content provided by the Company; The Student has had the opportunity to ask questions regarding the Program prior to enrollment and enters into this Agreement voluntarily and The Student understands that this Agreement is a legally binding contract governed by the laws of the State of Florida.

ARTICLE 10. Student conduct and community standards

The Company is committed to maintaining a professional, respectful, and collaborative educational environment. As a condition of participation in the Program, the Student agrees to conduct himself or herself in a professional and respectful manner toward the Company, its owners, employees, instructors, contractors, affiliates, and all other participants. The Student shall not engage in any conduct that the Company, in its sole and reasonable discretion, determines to be abusive, harassing, discriminatory, threatening, defamatory, disruptive, fraudulent, obscene, unlawful, or otherwise inconsistent with the educational purpose of the Program.

Without limitation, the Student agrees not to: a. Harass, intimidate, threaten, or abuse any participant; b. Use offensive, discriminatory, defamatory, or inappropriate language; c. Engage in bullying, retaliation, or disruptive behavior; d. Advertise, solicit, or promote third-party products or services without prior written authorization; e. Send spam or unsolicited communications to other participants; f. Impersonate another person; g. Share another participant's confidential information; h. Engage in any unlawful activity while participating in the Program.

The Company reserves the right to suspend or permanently terminate the Student's participation in the Program for violation of this Article. Such termination shall not entitle the Student to any refund.

ARTICLE 11. Intellectual Property

All Program content is and shall remain the exclusive property of BDN Multiservices LLC. This includes, without limitation: videos; recordings; presentations; course materials; templates; worksheets; manuals; guides; forms; contracts; spreadsheets; checklists; graphics; logos; trademarks; service marks; methodologies; systems; processes; software; educational frameworks; business models; proprietary information; written materials; and all other intellectual property developed or licensed by the Company.

Nothing contained in this Agreement transfers ownership of any intellectual property to the Student.

The Student receives only a limited, revocable, non-exclusive, non-transferable license to access the Program solely for the Student's personal educational use.

ARTICLE 12. Prohibited use of Content

Except with the Company's prior written consent, the Student shall not: a. Copy; b. Download; c. Record; d. Photograph; e. Screen-record; f. Reproduce; g. Publish; h. Translate; i. Modify; j. Create derivative works; k. Sell; l. License; m. Rent; n. Distribute; o. Upload; p. Share login credentials; q. Allow third parties to access the Program; r. Use the Company's materials to teach competing courses; s. Use the Company's content for commercial purposes. Any unauthorized use constitutes a material breach of this Agreement and may violate applicable copyright, trademark, trade secret, and other intellectual property laws.

ARTICLE 13. Copyright Enforcement

The Student acknowledges that the Program contains proprietary and confidential information of substantial commercial value. Any unauthorized copying, recording, distribution, reproduction, publication, or disclosure of the Company's intellectual property shall constitute a material breach of this Agreement. The Company reserves the right to pursue all remedies available under applicable law, including: a. Temporary and permanent injunctive relief; b. Actual damages; c. Statutory damages where applicable; d. Recovery of profits; e. Attorneys' fees and costs where authorized by law or contract; f. Any other available legal or equitable remedy. The Company's failure to immediately enforce any provision shall not constitute a waiver of its rights.

ARTICLE 14. Disclaimer of Warranties; No guarantee of results

The Student acknowledges that the Company provides educational and informational services only.

The Company makes no representation or warranty that participation in the Program will result in: increased income; business success; employment; professional advancement; academic achievement; certification; licensing; investment returns; financial success; tax savings; or any other specific outcome.

The Company does not guarantee that the Student will achieve any particular results. Individual outcomes depend upon numerous factors outside the Company's control, including the Student's own effort, education, experience, skills, financial resources, implementation, market conditions, competition, and other external factors. Any testimonials, examples, or success stories are illustrative only and are not guarantees of future performance.

ARTICLE 15. Disclaimer of Professional Advice

The educational materials provided by the Company are not intended to constitute: legal advice; accounting advice; tax advice; financial advice; investment advice; or any other professional advice. The Student is solely responsible for consulting appropriate licensed professionals before making legal, financial, business, tax, investment, or other decisions.

ARTICLE 16. Limitation of Liability

The Company's total cumulative liability arising out of or relating to this Agreement shall not exceed the total amount actually paid by the Student to the Company during the twelve (12) months immediately preceding the event giving rise to the claim

ARTICLE 17. Release of claims

The Student voluntarily assumes all risks associated with participation in the Program. To the fullest extent permitted by law, the Student releases and forever discharges the Company, together with its members, managers, officers, employees, instructors, contractors, affiliates, successors, assigns, and agents, from any claims arising out of: a. The Student's implementation of the educational materials; b. Business decisions made by the Student; c. Investment decisions; d. Employment decisions; e. Market conditions; f. Third-party conduct; g. Technical failures beyond the Company's reasonable control.

ARTICLE 18. Indemnification

The Student agrees to defend, indemnify, and hold harmless the Company and its members, managers, officers, employees, contractors, affiliates, successors, assigns, instructors, and agents from and against any and all claims, demands, actions, liabilities, damages, losses, costs, expenses, judgments, settlements, penalties, and reasonable attorneys' fees arising out of or relating to: a. The Student's breach of this Agreement; b. Unauthorized use of the Program; c. Violation of intellectual property rights; d. Violation of applicable law; e. Misuse of the Company's Platform; f. Claims brought by third parties arising from the Student's conduct. This indemnification obligation shall survive termination of this Agreement.

ARTICLE 19. Chargebacks, Payment disputes and collection costs

The Student agrees not to initiate any credit card chargeback, ACH reversal, payment dispute, or similar claim with a financial institution unless the charge was genuinely unauthorized or fraudulent. Before disputing any charge, the Student agrees to first contact the Company and provide a reasonable opportunity to investigate and resolve the issue in good faith. If the Student initiates a chargeback or payment dispute in bad faith, or after receiving the contracted services, the Company may, to the extent permitted by applicable law: a. Immediately suspend or terminate the Student's access to the Program; b. Suspend access to all educational materials and online communities; c. Pursue collection of all unpaid amounts through lawful means; d. Recover reasonable attorneys' fees and costs if provided by this Agreement or otherwise authorized by law; e. Present this Agreement, payment records, login history, content access records, and communications to the payment processor or financial institution as evidence supporting the validity of the transaction. Nothing in this Article limits the Student's rights under applicable consumer protection laws or to dispute genuinely unauthorized transactions. Any successful chargeback based on fraud or unauthorized use shall not constitute a breach of this Agreement by the Student.

ARTICLE 20. Force Majeure

The Company shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including, but not limited to: acts of God; hurricanes; floods; fires; pandemics; epidemics; governmental actions; war; terrorism; labor disputes; internet outages; cyberattacks; failures of third-party service providers; power failures; software failures. During any Force Majeure Event, the Company's obligations shall be suspended for the duration of the event. The Company may substitute alternative methods of delivering the Program whenever reasonably practicable.

ARTICLE 21. Governing law and dispute resolution

The laws of the State of Florida shall govern the validity of this Agreement, the construction and interpretation of its terms, of this Subscription Service Agreement. The Parties agree that any claim or dispute between shall be resolved by arbitration administered by the American Arbitration Association under Florida Law. Any award by one arbitrator may be entered as a judgement in any court having jurisdiction. The arbitration shall take place in Miami, Florida and will be in English. Any arbitration will be heard and decided by a single arbitrator. This arbitration agreement governs all matters arising out of or relating to this Subscription Service Agreement, including, without limitation, their validity, interpretation, construction, performance, and enforcement.

ARTICLE 22. Attorney's Fees and Cots

In any litigation, arbitration, mediation, bankruptcy proceeding, appeal, collection action, or other legal proceeding arising out of or relating to this Agreement, the prevailing party shall be entitled to recover from the non-prevailing party all reasonable attorneys' fees, paralegal fees, expert witness fees (if recoverable by law), court costs, collection costs, appellate attorneys' fees, and all other litigation expenses incurred in enforcing this Agreement, to the fullest extent permitted by Florida law. This provision shall survive termination of this Agreement.

ARTICLE 23. General provisions

ARTICLE 24. Recurring payment authorization

The Student expressly authorizes the Company to charge the payment method provided by the Student for all recurring subscription payments due under this Agreement. The Student acknowledges and agrees that: a. The subscription consists of a four (4)-month educational program with recurring monthly payments; b. The recurring payment amount, billing frequency, and billing date were clearly disclosed prior to enrollment; c. Monthly payments shall continue automatically until the Student completes the Program or the Subscription is properly canceled pursuant to this Agreement; d. The Student may revoke authorization for future recurring charges only by submitting a cancellation request in accordance with Article 7 of this Agreement; e. Revocation of future recurring charges shall not affect the validity of charges previously authorized, previously processed, or any outstanding amounts legally owed under this Agreement. The Student represents that he or she is the authorized holder of the payment method used for enrollment and authorizes the Company and its payment processors to initiate recurring electronic charges in accordance with this Agreement.

ARTICLE 25. Right to modify the program

The Company continually updates and improves its educational content. Accordingly, the Company reserves the right, in its reasonable business judgment, to: a. Update educational materials; b. Replace instructors; c. Modify lesson sequencing; d. Add new educational modules; e. Remove outdated content; f. Update templates and forms; g. Modify software or technology platforms; h. Improve the Program's educational methodology. The Company shall make reasonable efforts to ensure that such modifications do not materially diminish the overall educational value of the Program. The Company does not guarantee that any specific instructor, guest speaker, lesson, template, bonus, or feature will remain available throughout the entire Program.

ARTICLE 26. Representations and acknowledgements of the student

The Student represents and warrants that: a. The Student is at least eighteen (18) years of age or otherwise possesses the legal capacity to enter into this Agreement; b. All information provided during enrollment is true, accurate, and complete; c. The Student is enrolling voluntarily and has not relied upon any oral statements or representations not expressly contained in this Agreement or in written materials provided by the Company; d. The Student understands that success in any educational program depends primarily upon the Student's own efforts, skills, experience, commitment, and implementation; e. The Student has had the opportunity to review this Agreement carefully and, if desired, consult with independent legal counsel before accepting its terms; f. The Student enters into this Agreement freely and voluntarily without coercion or undue influence. The Student acknowledges that the Company has made no guarantee of any specific outcome or result beyond providing the educational services expressly described in this Agreement.

ARTICLE 27. Acceptance of Agreement

BY CLICKING "I AGREE," CHECKING THE ACCEPTANCE BOX, EXECUTING THIS AGREEMENT ELECTRONICALLY, COMPLETING THE ENROLLMENT PROCESS, ACCESSING THE PROGRAM OR PLATFORM, OR MAKING ANY PAYMENT TOWARD THE PROGRAM, THE STUDENT ACKNOWLEDGES, REPRESENTS, WARRANTS, AND AGREES THAT: