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QUESTION & ANSWER (Q&A) POLICY

Information as a Commodity (IAAC)
A trade name of Northern Gaming L.L.C., a Minnesota limited liability company

Last Updated: March 29, 2026
Version 3.0

Section 1. Purpose and Scope of Q&A

1.1 Purpose of Q&A

The Q&A component of IAAC’s Services is provided to:

  • Clarify concepts presented in educational materials;
  • Reinforce understanding of course content; and
  • Provide general, high-level informational guidance.

1.2 Limited Scope

Q&A is strictly limited to:

  • General clarification of course topics; and
  • Broad, non-specific informational responses.

Q&A does not include:

  • Personalized analysis;
  • System-specific recommendations; or
  • Tailored implementation guidance.

1.3 Relationship to Services

Q&A is an extension of the educational Services and is governed by:

  • The Terms & Conditions; and
  • All applicable IAAC policies.

Q&A does not constitute a separate service offering unless explicitly stated in a written agreement.

1.4 No Expansion of Scope

Nothing within Q&A interactions shall be interpreted to:

  • Expand the scope of Services; or
  • Create obligations beyond those expressly defined in IAAC agreements.

1.5 Informational Nature Only

All Q&A responses are:

  • Informational;
  • General in nature; and
  • Provided without knowledge of individual circumstances.

1.6 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 2. No Advisory, Consulting, or Professional Relationship

2.1 No Advisory or Consulting Services

Q&A interactions do not constitute:

  • Advisory services;
  • Consulting services; or
  • Professional services of any kind.

2.2 No Professional Advice

Q&A responses do not constitute:

  • Legal advice;
  • Financial advice;
  • Cybersecurity consulting;
  • Regulatory compliance advice; or
  • Any other regulated professional service.

2.3 No Professional Relationship Created

Participation in Q&A does not create:

  • An advisor-client relationship;
  • A consultant-client relationship;
  • A fiduciary relationship; or
  • Any ongoing duty of care.

2.4 No Reliance

You agree not to rely on Q&A responses as:

  • A substitute for professional advice; or
  • A basis for critical decisions.

2.5 User Responsibility

You are solely responsible for:

  • Evaluating any information provided;
  • Determining whether to act on such information; and
  • Seeking appropriate professional advice where necessary.

2.6 Alignment with Terms and Privacy Policy

This Section shall be interpreted in conjunction with:

  • Section 13 (Regulatory Positioning) of the Terms & Conditions; and
  • The Privacy Policy.

2.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 3. Implementation Boundaries and User Responsibility

3.1 No Implementation Services

Q&A does not include:

  • Implementation services;
  • Configuration assistance; or
  • Execution of any recommendations.

IAAC does not perform any actions on your behalf.

3.2 User Responsibility for Implementation

You are solely responsible for:

  • Determining whether to act on any information provided;
  • Implementing any changes to your systems, devices, or accounts; and
  • Verifying the accuracy and suitability of any actions taken.

3.3 No Validation or Verification

IAAC does not:

  • Validate your implementation;
  • Confirm correctness of configurations; or
  • Review outcomes of actions taken.

Any feedback provided remains general in nature.

3.4 Assumption of Implementation Risk

You assume all risks associated with:

  • Implementing guidance;
  • Misinterpreting information; or
  • Applying concepts to your environment.

Such risks include, without limitation:

  • Loss of access;
  • Data loss;
  • System misconfiguration;
  • Unauthorized access; and
  • Service disruption.

3.5 No Guarantee of Outcomes

IAAC does not guarantee that any action based on Q&A will:

  • Improve security or privacy;
  • Reduce risk; or
  • Achieve any specific outcome.

3.6 No Expansion of Responsibility

Nothing in Q&A interactions shall be interpreted to:

  • Create responsibility for implementation outcomes; or
  • Expand IAAC’s obligations beyond those defined in the Terms & Conditions.

3.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 4. No System Access, Control, or Monitoring

4.1 No Access to User Systems

IAAC does not access:

  • User devices;
  • Accounts;
  • Networks; or
  • Systems.

All interactions occur without system-level visibility.

4.2 No Remote Control or Intervention

IAAC does not:

  • Take control of user devices;
  • Perform remote actions; or
  • Execute changes within user environments.

4.3 No Monitoring or Oversight

IAAC does not:

  • Monitor user systems;
  • Track implementation activity; or
  • Provide ongoing oversight.

4.4 No Duty to Detect or Prevent Issues

IAAC has no obligation to:

  • Detect vulnerabilities;
  • Prevent security incidents; or
  • Identify errors in user configurations.

4.5 No Knowledge of User Environment

Q&A responses are provided without:

  • Full knowledge of your systems;
  • Access to your configurations; or
  • Understanding of your specific environment.

As a result, responses may not apply to your situation.

4.6 Third-Party System Interaction Disclaimer

Your implementation may involve third-party systems (e.g., Kajabi, Stripe, Google services).

IAAC is not responsible for:

  • Behavior of such systems;
  • Integration issues; or
  • Outcomes resulting from third-party interactions.

4.7 Alignment with Terms & Conditions

This Section shall be interpreted in conjunction with:

  • Section 3 (Service Limitations); and
  • Section 4 (Implementation Risk)

of the Terms & Conditions.

4.8 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

5.1 General Limitation of Q&A Scope

Q&A is limited to general clarification of concepts presented within IAAC’s educational materials.

IAAC may decline to respond to questions that fall outside this scope.

5.2 Excluded Topics

Q&A does not include responses to questions involving:

  • Specific system configurations;
  • Account-specific troubleshooting;
  • Technical implementation steps tailored to an individual environment;
  • Detailed security architecture design;
  • Incident response or remediation; or
  • Any situation requiring individualized analysis.

5.3 No Step-by-Step Guidance

IAAC does not provide:

  • Step-by-step instructions tailored to specific user systems;
  • Detailed configuration walkthroughs for individual environments; or
  • Real-time troubleshooting support.

5.4 No Incident Response or Emergency Support

Q&A is not intended for:

  • Active security incidents;
  • Account compromise situations; or
  • Urgent technical issues.

IAAC has no obligation to provide immediate or emergency assistance.

5.5 No Guarantee of Response

IAAC does not guarantee:

  • That all questions will be answered;
  • Response times; or
  • Availability of Q&A at all times.

5.6 Discretion to Decline

IAAC reserves the right, at its sole discretion, to:

  • Decline to answer any question;
  • Limit the scope of any response; or
  • Redirect users to other resources or services.

5.7 Separation from Paid Services

Questions that require:

  • Personalized guidance;
  • System-specific recommendations; or
  • Detailed analysis

may require a separate paid service, such as an Audit or additional session.

Q&A shall not be used as a substitute for such services.

5.8 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 6. Right to Refuse, Limit, or Terminate Q&A Interaction

6.1 Right to Refuse Service

IAAC reserves the right to refuse participation in Q&A for any individual, to the maximum extent permitted by applicable law.

6.2 Grounds for Refusal or Limitation

IAAC may refuse or limit Q&A interaction if:

  • Questions exceed the permitted scope;
  • The interaction becomes disruptive or inappropriate;
  • The user seeks individualized or prohibited guidance; or
  • The request presents legal, technical, or operational risk.

6.3 Right to Limit Responses

IAAC may:

  • Provide partial responses;
  • Generalize responses; or
  • Decline to provide detail

in order to maintain compliance with this Policy.

6.4 Termination of Interaction

IAAC may terminate Q&A interaction at any time, including:

  • Ending a response;
  • Discontinuing engagement; or
  • Restricting further participation.

6.5 No Obligation to Continue Engagement

IAAC is not obligated to:

  • Continue any Q&A interaction;
  • Provide follow-up responses; or
  • Maintain ongoing communication.

6.6 No Refund or Compensation

Q&A access does not create entitlement to:

  • Refunds;
  • Compensation; or
  • Additional services

in connection with unanswered or declined questions.

6.7 Alignment with Terms & Conditions

This Section shall be interpreted in conjunction with:

  • Section 5 (In-Person Events);
  • Section 11 (Account Use and Restrictions); and
  • Section 17 (Termination)

of the Terms & Conditions.

6.8 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 7. Recording, Confidentiality, and Information Sharing

7.1 Prohibition on Recording

You may not record, capture, or transmit any Q&A interaction without prior written consent from IAAC.

This includes use of:

  • Mobile devices;
  • Screen recording software;
  • Audio or video recording tools; and
  • Wearable devices (including smart glasses and similar technologies).

7.2 Unauthorized Recording as Breach

Unauthorized recording or distribution of Q&A content constitutes:

  • A material breach of this Policy; and
  • A violation of IAAC’s intellectual property rights.

7.3 No Confidentiality Obligation by IAAC

Q&A interactions are not confidential.

IAAC does not undertake any obligation to:

  • Maintain confidentiality of user-submitted questions; or
  • Protect information disclosed during Q&A interactions.

7.4 User Responsibility for Information Disclosure

You are solely responsible for any information you choose to disclose.

You should not share:

  • Sensitive personal information;
  • Account credentials;
  • Confidential business information; or
  • Security-sensitive data.

7.5 No Duty to Protect Shared Information

IAAC has no obligation to:

  • Review user submissions for sensitive content;
  • Prevent disclosure of confidential information; or
  • Protect information shared during Q&A interactions.

7.6 Shared Environment Acknowledgment

You acknowledge that Q&A may occur in:

  • Group environments;
  • Public or semi-public settings; or
  • Platforms where other participants may observe interactions.

Complete privacy cannot be guaranteed.

7.7 Third-Party Recording Disclaimer

IAAC does not control recording by:

  • Other participants; or
  • Third parties.

IAAC is not responsible for unauthorized recording or use of Q&A content.

7.8 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 8. Participant Conduct and Information Risks

8.1 User Conduct Requirements

You agree to:

  • Act in a lawful and respectful manner;
  • Avoid disruptive or inappropriate behavior; and
  • Comply with all applicable IAAC policies.

8.2 Responsibility for Questions and Content

You are solely responsible for:

  • The content of your questions;
  • The information you disclose; and
  • Any consequences arising from such disclosures.

8.3 No Liability for Participant Interactions

IAAC is not responsible for:

  • Statements made by other participants;
  • Actions or conduct of other users; or
  • Consequences arising from participant interactions.

8.4 Assumption of Interaction Risk

You assume all risks associated with:

  • Interacting with other participants;
  • Sharing information in group environments; and
  • Exposure to differing opinions or content.

8.5 No Moderation Obligation

IAAC does not undertake a duty to:

  • Monitor participant interactions;
  • Moderate discussions; or
  • Intervene in disputes.

8.6 Removal for Conduct

IAAC reserves the right to:

  • Remove participants;
  • Restrict participation; or
  • Terminate Q&A access

for behavior that violates this Policy or applicable Terms.

8.7 No Obligation to Enforce Against Others

IAAC is not obligated to:

  • Enforce this Policy against other participants; or
  • Take action in response to user complaints.

8.8 Alignment with Terms & Conditions

This Section shall be interpreted in conjunction with:

  • Section 6 (Participant Conduct); and
  • Section 17 (Termination)

of the Terms & Conditions.

8.9 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 9. Limitation of Liability (Q&A-Specific)

9.1 Application of Terms & Conditions

Q&A interactions are subject to the limitation of liability provisions set forth in the Terms & Conditions, including Section 20.

Such limitations apply fully to all Q&A interactions.

9.2 No Liability for Q&A Content

To the maximum extent permitted by applicable law, IAAC shall not be liable for any damages arising out of or relating to:

  • Q&A responses;
  • Information provided during Q&A interactions; or
  • User reliance on such information.

9.3 Categories of Excluded Damages

This includes, without limitation:

  • Loss of data;
  • System misconfiguration;
  • Unauthorized access or security incidents;
  • Operational disruption;
  • Financial losses; and
  • Any indirect, incidental, or consequential damages.

9.4 User Reliance at Own Risk

You acknowledge that:

  • Q&A responses are general and informational; and
  • Any reliance on such responses is at your own risk.

9.5 No Expansion of Liability

Nothing in Q&A interactions shall be interpreted to:

  • Expand IAAC’s liability; or
  • Create additional duties beyond those defined in the Terms & Conditions.

9.6 Aggregate Liability Cap Reference

Any liability arising from Q&A interactions shall be subject to the same aggregate liability cap defined in the Terms & Conditions.

9.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 10. Indemnification (Q&A-Specific Alignment)

10.1 Application of Indemnification Provisions

Your obligations under the indemnification provisions in the Terms & Conditions (Section 19) apply fully to Q&A interactions.

10.2 User Responsibility for Actions

You agree to indemnify and hold harmless IAAC from any claims arising out of or relating to:

  • Your use of Q&A;
  • Your reliance on information provided;
  • Your implementation of any guidance; and
  • Any consequences resulting from your actions.

10.3 Third-Party Claims

This includes claims brought by:

  • Third parties;
  • Regulatory bodies; or
  • Other participants

arising from your conduct or decisions in connection with Q&A.

10.4 No Limitation by Insurance or Caps

Your indemnification obligations shall not be limited by:

  • Any insurance coverage; or
  • Any limitation of liability provision.

10.5 Survival

This Section shall survive:

  • Termination of Q&A access; and
  • Your use of the Services.

10.6 No Expansion of IAAC Obligations

Nothing in this Section shall be interpreted to:

  • Increase IAAC’s obligations; or
  • Reduce protections provided under the Terms & Conditions.

10.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

11.1 Incorporation of Terms & Conditions

All Q&A interactions are governed by the dispute resolution provisions set forth in the Terms & Conditions, including Section 21.

Such provisions apply fully to any dispute arising out of or relating to Q&A interactions.

11.2 Mandatory Arbitration

To the maximum extent permitted by applicable law, any dispute arising from Q&A interactions shall be resolved exclusively through binding arbitration, as defined in the Terms & Conditions.

11.3 Class Action Waiver

All disputes must be brought on an individual basis.

Class, collective, or representative actions are not permitted.

11.4 Waiver of Jury Trial

You waive any right to a jury trial to the maximum extent permitted by applicable law.

11.5 Forum Selection (Fallback)

If a dispute is determined not to be subject to arbitration, it shall be brought exclusively in the state or federal courts located in Minnesota.

You consent to jurisdiction and waive objections to venue.

11.6 No Separate Dispute Framework

Q&A interactions do not create a separate dispute resolution structure.

All disputes are governed solely by the Terms & Conditions.

11.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

Section 12. Final Acknowledgment and Binding Effect

12.1 Acknowledgment of Scope and Limitations

You acknowledge that you:

  • Understand the limited scope of Q&A;
  • Understand that Q&A is not advisory or consulting; and
  • Understand that responses are general and informational.

12.2 Voluntary Participation

You agree that:

  • Participation in Q&A is voluntary; and
  • You may discontinue participation at any time.

12.3 No Reliance on Statements Outside Policy

You acknowledge that you have not relied on:

  • Statements;
  • Representations; or
  • Informal communications

outside the terms of this Policy and the Terms & Conditions.

12.4 Binding Effect

This Policy is legally binding to the maximum extent permitted by applicable law.

Participation in Q&A constitutes acceptance of this Policy.

12.5 Method of Acceptance

Acceptance may occur through:

  • Participation in Q&A;
  • Use of the Services; or
  • Agreement to IAAC policies.

Such acceptance has the same legal effect as a signed written agreement.

12.6 Entire Agreement Alignment

This Policy forms part of the overall agreement between you and IAAC.

It must be interpreted in conjunction with:

  • The Terms & Conditions; and
  • The Privacy Policy.

12.7 Survival

Provisions that by their nature should survive shall remain in effect, including:

  • Limitation of liability;
  • Indemnification; and
  • Dispute resolution.

12.8 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

  • This Section shall be enforced in full;
  • Any unenforceable provision shall be modified to the minimum extent necessary; and
  • The remainder shall remain valid and enforceable.

Nothing in this Section limits non-waivable statutory rights.

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