TERMS AND CONDITIONS

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

Last Updated: March 3, 2026
Version 1.2

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.
  • Digital course sales are final once access is granted.
  • Live events may be refunded if cancelled at least 48 hours in advance.
  • You must use the Services lawfully and respectfully.
  • Unauthorized recording, redistribution, scraping, or AI training is prohibited.
  • Disputes are resolved by individual arbitration in Minnesota.
  • Class actions are waived.
  • Liability is limited.
  • Services are provided “as is.”
  • IAAC does not guarantee regulatory compliance.
  • IAAC delivers Services through the Kajabi platform.

PART II — LEGAL TERMS

1. Acceptance of Terms

By accessing IAAC.IO or purchasing IAAC services (“Services”), you agree to these Terms and Conditions (“Terms”).

Information as a Commodity (“IAAC”) is a trade name of Northern Gaming L.L.C., a Minnesota limited liability company (“Company,” “we,” “us,” or “our”).

Your use of the Services is also governed by the IAAC Privacy Policy. In the event of a conflict regarding data practices, the Privacy Policy controls.

These Terms are governed by the laws of the State of Minnesota, United States, except where the Federal Arbitration Act governs procedural aspects of arbitration.

2. Eligibility

IAAC services are intended for individuals 18 years of age or older.

By using the Services, you represent that you meet this requirement.

3. License Scope and Term

License Grant

Upon purchase, IAAC grants you a limited, non-exclusive, non-transferable, revocable license to access the purchased materials (“Materials”) for exactly 365 calendar days from the date of purchase (“License Period”).

This license does not permit you to:

• Copy or reproduce Materials
  • Redistribute Materials
  • Modify Materials
  • Create derivative works
  • Publicly display Materials outside authorized access
  • Scrape or reverse engineer content
  • Use Materials for artificial intelligence training
  • Circumvent access controls

Automatic Expiration

Access automatically terminates at 00:00 UTC on the day following expiration of the License Period.

No renewal occurs unless expressly offered and accepted.

Termination for Breach

IAAC may terminate your license immediately if you violate these Terms.

Termination does not require deletion of account data, which is governed by the Privacy Policy.

4. Acceptable Use and Platform Integrity

You agree to use the Services in a lawful, professional, and respectful manner.

You agree not to:

• Violate any applicable law or regulation
  • Infringe intellectual property rights
  • Record, redistribute, scrape, or reverse engineer content
  • Use Materials for artificial intelligence training or automated extraction
  • Attempt to bypass technical protections
  • Upload malicious code or interfere with platform integrity
  • Engage in harassment, threats, intimidation, or abusive conduct
  • Engage in discriminatory conduct, including conduct based on race, ethnicity, national origin, religion, sex, gender identity, sexual orientation, disability, or other protected characteristics
  • Engage in fraudulent, deceptive, or unethical conduct in connection with the Services
  • Initiate chargebacks in bad faith

IAAC reserves the right to suspend or terminate access, without prior notice, if IAAC reasonably determines that your conduct:

(a) violates these Terms;
(b) threatens the security or operation of the platform;
(c) creates risk of harm to other users;
(d) exposes IAAC or its service providers to legal or regulatory risk; or
(e) constitutes fraud, abuse, or misuse of the Services.

Termination for breach does not entitle you to a refund.

IAAC may suspend access temporarily where reasonably necessary to investigate suspected violations.

Nothing in this section limits IAAC’s other rights or remedies under law.

5. Intellectual Property

All Materials are the exclusive intellectual property of IAAC.

Unauthorized recording, redistribution, scraping, AI training, or derivative use constitutes material breach and may result in injunctive relief and damages.

6. Platform and Third-Party Service Providers

IAAC delivers Services through the Kajabi platform.

IAAC uses third-party service providers, including Kajabi and Stripe, to:

• Host content
  • Manage accounts
  • Process payments
  • Maintain platform functionality

Kajabi processes personal data as a service provider/processor pursuant to its Data Processing Addendum (DPA), which incorporates Standard Contractual Clauses where applicable.

IAAC does not control Kajabi’s internal infrastructure logging, analytics systems, security architecture, or subprocessor arrangements.

Nothing in these Terms creates liability for IAAC for the independent acts or omissions of third-party providers beyond what is required by law.

7. Payments and Refund Policy

Digital Purchases — Final Sale

All digital purchases are final once access has been granted.

No refunds will be issued after access is provided.

Chargeback Policy

Initiating a chargeback after access has been granted constitutes material breach.

IAAC reserves the right to:

(a) suspend or terminate access;
(b) deny future purchases;
(c) pursue recovery of disputed amounts; and
(d) report the incident to the relevant payment processor.

Live Event Refunds

Refund requests must be submitted in writing to:

[email protected]

at least 48 hours before the scheduled start time.

No refunds are provided for cancellations made less than 48 hours prior unless IAAC cancels the event.

8. No Warranty — “As Is” and No Compliance Guarantee

IAAC provides Services “as is” and “as available” without warranties of any kind.

This includes, without limitation, warranties of:

• Merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Availability
  • Accuracy
  • Compliance with GDPR, CCPA/CPRA, HIPAA, PCI-DSS, ISO 27001, NIST, or other frameworks

IAAC expressly disclaims any guarantee that use of the Services will result in regulatory compliance.

9. Educational Nature of Services

IAAC provides educational information only.

Nothing constitutes legal, financial, tax, cybersecurity, or professional advice.

No fiduciary relationship is created.

10. Indemnification

You agree to indemnify and hold harmless IAAC and its affiliates from claims arising out of:

(i) your breach of these Terms;
(ii) violation of law;
(iii) unauthorized use of Materials; or
(iv) claims that your use infringes third-party rights.

11. Limitation of Liability

To the fullest extent permitted by law:

IAAC shall not be liable for indirect, incidental, consequential, special, or punitive damages.

Total liability shall not exceed the greater of:

(a) the amount paid for the Service giving rise to the claim; or
(b) USD $100.

12. Arbitration Agreement and Class Action Waiver

Arbitration

All disputes shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

Arbitration shall occur in Minnesota.

Minnesota substantive law applies.

The Federal Arbitration Act governs procedural aspects.

Nothing limits your right to lodge a complaint with a supervisory authority.

Class Action Waiver

You agree to bring claims only in your individual capacity and not as part of any class proceeding.

Severability

If the class action waiver is unenforceable, the arbitration provision shall be null and void.

Opt-Out

You may opt out by emailing:

[email protected]

within 30 days of your first purchase.

13. Force Majeure

Neither party is liable for delays caused by events beyond reasonable control, including:

• Internet outages
  • Cybersecurity incidents affecting hosting providers
  • Government action
  • Public health emergencies
  • War or terrorism

14. Severability and Survival

If any provision is invalid, remaining provisions remain in effect.

Provisions relating to intellectual property, payments, indemnification, limitation of liability, arbitration, and compliance disclaimers survive termination.

15. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and IAAC.