TERMS OF SERVICE
Information as a Commodity (IAAC)
A trade name of Northern Gaming L.L.C., a Minnesota limited liability company
Last Updated: February 13, 2026
Version 1.0
PART I — Plain English Summary
This summary is provided for convenience only. The legal terms below govern.
• You receive a limited 365-day license to access purchased content.
• All digital course sales are final.
• Live events may be refunded if requested at least 48 hours before the event start time.
• You may not record, redistribute, scrape, upload to AI tools, or create derivative works.
• Corporate buyers must purchase one seat per individual user.
• Disputes are resolved by individual arbitration in Minnesota.
• Liability is limited to the amount you paid.
PART II — LEGAL TERMS
1. Acceptance of Terms
By accessing IAAC.IO or purchasing services, you agree to these Terms.
Information as a Commodity (“IAAC”) is a trade name of Northern Gaming L.L.C., a Minnesota limited liability company (“Company,” “we,” “us”).
2. Eligibility
Services are intended for individuals 18 years of age or older.
3. License Grant
Upon purchase, IAAC grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access purchased materials for 365 days from purchase date.
Access automatically terminates after 365 days. No automatic renewal occurs.
Failure to access materials does not extend the license term.
You are responsible for saving or downloading any materials made available during your license period. IAAC is not responsible for retaining content beyond the 365-day term or after termination.
4. Intellectual Property
All IAAC content — including videos, written materials, frameworks, methodologies, graphics, branding, and structure — is the exclusive property of IAAC.
You may not:
• Record or capture content
• Redistribute materials
• Upload content to AI tools
• Train machine learning systems
• Scrape or automate extraction
• Reverse engineer structure
• Create derivative competing works
• Circumvent access controls
Unauthorized use constitutes irreparable harm and may result in injunctive relief.
5. Corporate Seat Licenses and Audit Rights
Corporate purchasers must purchase one license per user.
Credential sharing is prohibited.
IAAC reserves the right to verify compliance with seat limitations and audit reasonable usage.
6. No Recording Policy
Recording IAAC content in any form, including screen capture, transcription tools, or AI-assisted capture, is strictly prohibited.
7. Payments, Refunds, and Chargebacks
Payment Processing
Payments are processed through third-party providers, including Stripe.
Digital Purchases — Final Sale
All digital course purchases are final once access is granted.
Because digital content cannot be returned once accessed, no refunds will be issued after access is provided.
Failure to access or complete content does not entitle you to a refund.
Live Events
Refund requests for live events must be submitted at least 48 hours before the scheduled start time.
Requests made within 48 hours are not eligible.
If IAAC cancels an event, a full refund will be issued.
Chargebacks
Initiating a chargeback after accessing digital content constitutes a violation of these Terms.
IAAC reserves the right to suspend access, deny future purchases, submit dispute evidence, and pursue recovery where permitted by law.
8. No Professional Relationship and No Reliance
IAAC provides educational information only.
Nothing constitutes legal, financial, cybersecurity, tax, or professional advice.
No fiduciary or advisory relationship is created.
You acknowledge that you are not relying on any representations or statements other than those expressly set forth in these Terms.
9. No Guarantees and Third-Party Tools
Services are provided “as is” and “as available.”
IAAC makes no guarantees regarding security outcomes, privacy protection, financial results, uptime, or business success.
IAAC may reference or recommend third-party tools or services. IAAC does not control and is not responsible for the performance, security, availability, or compliance of third-party services. Your use of such services is at your own risk.
10. Service Availability
IAAC relies on third-party providers including Thinkific and Stripe.
IAAC does not guarantee uninterrupted or error-free service and provides no service level agreement.
11. No Obligation to Update Content
IAAC may update, modify, or remove content at its discretion. IAAC has no obligation to update or ensure continued accuracy of content over time.
12. Accessibility and Accommodations
IAAC strives to provide reasonable accessibility.
Because IAAC relies on third-party platforms, full control over accessibility features may not be possible.
If you experience difficulty accessing services, contact:
Nothing herein constitutes a representation of full compliance with any specific accessibility standard.
13. Force Majeure
IAAC is not liable for delays or failure to perform due to causes beyond reasonable control.
14. Suspension and Termination
IAAC reserves the right, in its sole discretion, to suspend or terminate access for:
• Violation of these Terms
• Misuse of content
• Unauthorized redistribution
• Chargeback disputes
• Legal or regulatory risk
• Export compliance concerns
Termination may occur without prior notice where reasonably necessary.
15. Indemnification
You agree to indemnify IAAC against claims arising from misuse, violation of these Terms, or unlawful conduct.
16. Limitation of Liability
IAAC shall not be liable for indirect, incidental, consequential, special, or punitive damages.
Total liability shall not exceed the amount paid by you.
17. Arbitration Agreement
Disputes shall be resolved through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules.
Arbitration shall be seated in Minnesota.
Class actions and jury trials are waived.
IAAC may seek injunctive relief for intellectual property violations.
Seeking injunctive relief does not waive arbitration for other claims.
You may opt out within 30 days of purchase by emailing [email protected].
18. Affiliate Disclosure
IAAC may earn commissions from recommended products.
Affiliates are independent contractors and not agents of IAAC.
19. Export Compliance
You represent that you are not located in a jurisdiction subject to U.S. sanctions and are not on any denied party list.
20. Consulting Services
Consulting services, if offered, are governed by separate written agreement.
21. DMCA Copyright Policy
DMCA notices must be submitted to:
[email protected]
Subject: DMCA Takedown Notice
IAAC may terminate repeat infringers.
22. Severability
If any provision is unenforceable, remaining provisions remain in effect.
23. Survival
IP, arbitration, indemnification, payment, and liability provisions survive termination.
24. Section Headings
Headings are for convenience only.
25. Entire Agreement
These Terms constitute the entire agreement regarding IAAC services.
26. Notice
All legal notices must be submitted electronically to: