Terms and Conditions

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 29, 2026
Version 3.0

Section 1. Acceptance of Terms

1.1 Binding Agreement

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Information as a Commodity (IAAC), a trade name of Northern Gaming L.L.C., a Minnesota limited liability company (“IAAC,” “we,” “us,” or “our”), governing your access to and use of IAAC.IO and all related services, materials, courses, audits, advisory sessions, communications, and associated offerings (collectively, the “Services”).

By accessing, browsing, registering for, purchasing, or using any portion of the Services, you:

(a) Acknowledge that you have read and understood these Terms;
(b) Agree to be legally bound by these Terms; and
(c) Represent and warrant that you have the legal capacity to enter into a binding agreement.

If you do not agree to these Terms, you must not access or use the Services.

1.2 Method of Acceptance

Your acceptance of these Terms may be established through any of the following actions:

(a) Clicking a checkbox, button, or similar mechanism indicating acceptance;
(b) Completing a purchase or registration process;
(c) Accessing or using the Services after being presented with or having access to these Terms; or
(d) Continuing to use the Services following any update to these Terms.

To the maximum extent permitted by applicable law, such actions constitute valid and enforceable electronic acceptance and signature.

1.3 Incorporation of Related Policies

These Terms incorporate by reference and operate in conjunction with the following IAAC policies, which form an integral part of this agreement:

Privacy Policy
Q&A Policy
Audit Agreement (if applicable)
Waiver and Release of Liability (for in-person participation)

In the event of a conflict:

(a) The Audit Agreement governs Audit Services;
(b) The Waiver governs in-person participation;
(c) The Privacy Policy governs data handling; and
(d) These Terms govern all other matters.

1.4 Updates and Modifications

IAAC reserves the right to modify or update these Terms at any time, in its sole discretion.

When material changes are made, IAAC may provide notice through:

Website updates;
Email communication (where available); or
Platform notifications.

Your continued use of the Services after such updates constitutes acceptance of the revised Terms.

If you do not agree to the updated Terms, you must discontinue use of the Services.

1.5 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) These Terms shall apply in full force and effect;
(b) If any provision of these Terms is found to be invalid, unenforceable, or prohibited in your jurisdiction, such provision shall be modified to the minimum extent necessary to comply with applicable law; and
(c) The remaining provisions shall remain valid and enforceable.

Nothing in this Section is intended to:

Waive or limit any statutory rights that cannot be waived under applicable law; or
Exclude or limit liability for matters that cannot be excluded under law, including (where applicable):

Death or personal injury caused by negligence
Fraud or fraudulent misrepresentation

1.6 No Reliance and Entire Agreement Acknowledgment

You acknowledge that:

(a) You have not relied on any representations, statements, or promises not expressly set forth in these Terms; and
(b) These Terms, together with incorporated policies, constitute the entire agreement between you and IAAC regarding the Services.

Section 2. Nature of Services

2.1 Nature of Services

IAAC provides educational and structured audit-based services related to privacy awareness, information security concepts, and digital risk management (collectively, the “Services”).

The Services include, but are not limited to:

Educational courses (e.g., Privacy Reset and related offerings);
In-person educational sessions and workshops;
Structured audit services and session-based engagements;
Limited advisory-style guidance where expressly provided.

All Services are:

(a) Informational and educational in nature;
(b) Designed to provide structured frameworks and general guidance; and
(c) Not tailored to any specific individual’s full personal, technical, financial, or legal circumstances unless expressly stated in a separate written agreement.

2.2 No Professional Services or Advisory Relationship

To the maximum extent permitted by applicable law, the Services do not constitute:

Legal advice;
Financial advice;
Cybersecurity consulting;
Regulatory compliance advice;
Medical, psychological, or mental health services; or
Any other regulated professional service.

Use of the Services does not create:

A fiduciary relationship;
A professional-client relationship;
An advisory or consulting engagement; or
Any ongoing duty of care beyond the scope expressly defined in these Terms or a separate written agreement.

Users seeking regulated or individualized advice should consult a qualified professional.

2.3 Service Scope Limitations

IAAC does not:

Implement, configure, or execute recommendations on behalf of users;
Access, monitor, or control user devices, systems, or accounts;
Provide real-time, continuous, or on-demand support unless explicitly stated;
Conduct full-system, account-level, or environment-wide assessments outside of defined audit services; or
Guarantee outcomes, results, or risk reduction.

All actions taken by users based on the Services are performed independently and at their own discretion and risk.

2.4 User Responsibility for Implementation

You acknowledge and agree that:

(a) You are solely responsible for determining whether and how to apply any information, recommendations, or materials provided through the Services;
(b) You are solely responsible for all actions taken in connection with your devices, systems, accounts, and data; and
(c) IAAC is not responsible for any outcomes arising from your implementation, non-implementation, or misapplication of any information provided.

This includes, without limitation:

System changes;
Account configuration decisions;
Security settings;
Data handling decisions; and
Third-party tool selection or use.

2.5 Eligibility and Legal Capacity

You represent and warrant that:

(a) You are at least eighteen (18) years of age;
(b) You have the legal capacity and authority to enter into a binding agreement;
(c) You are not prohibited from using the Services under any applicable law; and
(d) All information you provide to IAAC is accurate, complete, and not misleading.

If you are using the Services on behalf of a business or other entity, you represent and warrant that you have authority to bind that entity to these Terms.

2.6 User Representations and Warranties

You further represent and warrant that:

(a) You will use the Services in compliance with all applicable laws and regulations;
(b) You will not rely on the Services as a substitute for professional advice where such advice is required;
(c) You will not submit highly sensitive personal information (e.g., passwords, full financial account details, government identification numbers) unless expressly requested through secure and appropriate channels;
(d) You understand that IAAC’s guidance may not account for all variables or risks in your specific environment; and
(e) You assume all risks associated with applying any information provided through the Services.

2.7 No Guarantee of Completeness or Risk Elimination

You acknowledge that:

(a) The Services address a subset of potential risks and do not constitute a comprehensive assessment of all possible risks;
(b) No system, configuration, or recommendation can eliminate all risk; and
(c) IAAC does not guarantee:

Security outcomes;
Privacy outcomes;
Compliance with any regulatory framework; or
Protection against all threats or vulnerabilities.

2.8 Relationship to Audit and Additional Services

IAAC may offer structured audit services or additional sessions designed to provide broader analysis within the IAAC framework.

However:

(a) Such services remain limited in scope and are not equivalent to full consulting or managed services engagements;
(b) No ongoing service relationship is created unless expressly defined in a separate written agreement; and
(c) Additional sessions must be separately scheduled and agreed upon.

2.9 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) The limitations and disclaimers set forth in this Section shall apply in full force and effect;
(b) If any provision is found to be invalid or unenforceable, it shall be modified to the minimum extent necessary to comply with applicable law; and
(c) The remainder shall remain valid and enforceable.

Nothing in this Section is intended to:

Exclude or limit liability that cannot be excluded under applicable law; or
Waive statutory rights that cannot be waived, including (where applicable):

Liability for death or personal injury caused by negligence;
Fraud or fraudulent misrepresentation; or
Other non-excludable statutory rights.

Section 3. Service Limitations

3.1 Scope of Service Limitations

To the maximum extent permitted by applicable law, IAAC provides the Services subject to the limitations set forth in this Section.

The Services are:

Educational and informational in nature;
Delivered within a structured framework; and
Not designed to account for all variables, environments, or individual circumstances.

You acknowledge that IAAC does not provide comprehensive, real-time, or fully individualized system analysis except as expressly defined in a separate written agreement.

3.2 No Implementation, Control, or Access to User Systems

IAAC does not, and will not:

(a) Access, monitor, or control your devices, systems, accounts, or networks;
(b) Perform configuration, installation, or implementation of any tools, systems, or settings;
(c) Take remote or physical control of any device or environment;
(d) Maintain ongoing visibility into your systems or data; or
(e) Act as a system administrator, managed service provider, or technical operator.

All implementation of any guidance, recommendations, or materials is performed solely by you at your own discretion and risk.

3.3 No Guarantee of Outcomes or Risk Reduction

IAAC makes no representation, warranty, or guarantee that the Services will:

Achieve any specific outcome;
Reduce or eliminate risk;
Prevent unauthorized access, data breaches, or system compromise;
Ensure compliance with any law, regulation, or industry standard; or
Result in improved security, privacy, or operational performance.

You acknowledge that:

All systems carry inherent risk; and
No set of actions or recommendations can eliminate all potential vulnerabilities or threats.

3.4 Variability of Environments and Systems

You acknowledge that IAAC’s guidance, materials, and walkthroughs are designed for general applicability and may not account for differences in:

Devices, hardware configurations, or manufacturers;
Operating systems, software versions, or updates;
Network environments or infrastructure;
Third-party tools, integrations, or dependencies;
User behavior, access patterns, or usage contexts; and
Regional, legal, or regulatory environments.

IAAC is not responsible for incompatibilities, conflicts, or unintended consequences arising from such variability.

3.5 Third-Party Tools and External Dependencies

The Services may reference, recommend, or rely upon third-party tools, platforms, or services, including but not limited to Kajabi and Stripe.

To the maximum extent permitted by applicable law, IAAC is not responsible for:

(a) The performance, availability, or reliability of third-party services;
(b) The security practices, data handling, or privacy policies of third-party providers;
(c) Errors, failures, or vulnerabilities within third-party systems;
(d) Changes to third-party services, including pricing, functionality, or access; or
(e) Any damages or losses arising from your use of or reliance on third-party tools.

IAAC does not control and is not responsible for the internal operations of such third-party providers.

3.6 User Responsibility for Evaluation and Use

You are solely responsible for:

(a) Evaluating whether any guidance, recommendation, or material is appropriate for your specific circumstances;
(b) Determining whether to implement any recommendation;
(c) Verifying compatibility with your systems, tools, and environment; and
(d) Monitoring and maintaining your systems, accounts, and data.

IAAC is not responsible for any decisions you make based on the Services.

3.7 No Obligation to Update, Monitor, or Maintain

IAAC has no obligation to:

Update prior guidance or materials;
Monitor your systems, accounts, or environments;
Provide ongoing support or follow-up; or
Notify you of newly discovered risks, vulnerabilities, or changes in technology or law.

Any updates or additional services must be separately provided and agreed upon.

3.8 Alignment with Q&A and Audit Scope

The limitations in this Section apply equally to:

Course materials;
Q&A interactions governed by the Q&A Policy; and
Audit or session-based services unless otherwise specified in a separate written agreement.

Q&A responses are general in nature and do not constitute individualized analysis or system-level evaluation.

3.9 No Expansion of Liability

Nothing in the Services, including any guidance, communication, or interaction, shall be interpreted to create, expand, or imply any duty, obligation, or liability beyond what is expressly set forth in these Terms.

Any interpretation to the contrary is expressly disclaimed.

3.10 Limitation of Liability Cross-Reference

This Section shall be interpreted in conjunction with, and is subject to, Section 20 (Limitation of Liability).

Nothing in this Section shall be construed to expand IAAC’s liability beyond the limitations set forth in these Terms.

3.11 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) The limitations set forth in this Section shall apply in full force and effect;
(b) If any provision is found to be invalid, illegal, or unenforceable, it shall be modified to the minimum extent necessary to comply with applicable law; and
(c) The remaining provisions shall remain valid and enforceable.

Nothing in this Section is intended to:

Waive or limit statutory rights that cannot be waived; or
Exclude or limit liability for matters that cannot be excluded under applicable law, including:

Death or personal injury caused by negligence;
Fraud or fraudulent misrepresentation; or
Other non-excludable statutory rights.

Section 4. Implementation Risk and User Responsibility

4.1 User Responsibility for Implementation

To the maximum extent permitted by applicable law, you acknowledge and agree that you are solely responsible for:

(a) Determining whether and how to implement any guidance, recommendation, or material provided through the Services;
(b) Executing any changes to your devices, systems, accounts, networks, or configurations;
(c) Verifying the accuracy, completeness, and appropriateness of any implementation; and
(d) Maintaining the security, integrity, availability, and performance of your systems and data.

IAAC does not implement, validate, or oversee your implementation decisions.

4.2 Assumption of Technical and Operational Risk

You expressly assume all risks associated with the implementation, non-implementation, or misapplication of any information provided through the Services.

Such risks include, without limitation:

(a) Loss of access to accounts, systems, or data;
(b) Unauthorized access, account compromise, or data breaches;
(c) Data loss, corruption, or unintended data exposure;
(d) System failures, crashes, incompatibilities, or degraded performance;
(e) Configuration errors, lockouts, or loss of administrative control;
(f) Interruption of services, workflows, or business operations; and
(g) Any unintended consequences resulting from interactions with third-party tools, software, or systems.

4.3 Confidentiality, Integrity, and Availability (CIA) Risks

You acknowledge that any changes to your systems, accounts, or configurations may affect:

Confidentiality (e.g., exposure of sensitive data);
Integrity (e.g., alteration or corruption of data); and
Availability (e.g., loss of access or service disruption).

IAAC does not guarantee the preservation of confidentiality, integrity, or availability in connection with any implementation.

4.4 No Duty to Prevent or Mitigate Unauthorized Access

To the maximum extent permitted by applicable law, IAAC has no obligation to:

Prevent unauthorized access, intrusions, or cyber incidents;
Detect or respond to security threats;
Monitor user systems for vulnerabilities; or
Provide incident response, remediation, or recovery services.

You are solely responsible for implementing and maintaining appropriate security measures.

4.5 No Warranty of Correctness or Suitability

IAAC does not warrant that any guidance, recommendation, or material is:

Correct in all circumstances;
Suitable for your specific environment;
Compatible with your systems or tools; or
Free from error or unintended consequences.

All information is provided “as is” and “as available,” and you expressly assume all risks arising from reliance on such information.

4.6 Interaction with Third-Party Systems

Your implementation may involve interaction with third-party systems, platforms, or tools, including but not limited to Kajabi and Stripe.

You acknowledge that:

(a) Third-party systems may behave unpredictably or change without notice;
(b) Implementations may have unintended effects within such systems; and
(c) IAAC is not responsible for any outcomes arising from third-party system behavior, integration, or failure.

4.7 User Obligation to Safeguard Data and Systems

You are solely responsible for:

(a) Maintaining backups of your data;
(b) Implementing appropriate access controls and authentication measures;
(c) Securing credentials and sensitive information;
(d) Testing changes before full deployment; and
(e) Maintaining contingency and recovery procedures.

IAAC has no obligation to restore lost data or recover systems.

4.8 No Obligation to Validate or Review Implementation

IAAC has no obligation to:

Review your implementation;
Confirm correctness or effectiveness;
Provide validation, certification, or assurance; or
Identify errors or omissions in your configuration.

Any feedback provided through Q&A or other interactions remains general in nature and does not constitute system-level validation.

4.9 No Expansion of Liability (Implementation Context)

Nothing in the Services shall be interpreted to create any duty for IAAC to validate, monitor, or ensure the effectiveness of any implementation.

All implementation outcomes are solely the responsibility of the User.

4.10 Cross-Reference to Indemnification and Liability

Your responsibilities and risk assumptions under this Section form part of:

Your indemnification obligations under Section 19; and
The limitations of IAAC’s liability under Section 20.

Nothing in this Section shall be interpreted to expand IAAC’s liability beyond the limitations set forth in these Terms.

4.11 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) The provisions of this Section shall apply in full force and effect;
(b) If any provision is found to be invalid or unenforceable, it shall be modified to the minimum extent necessary to comply with applicable law; and
(c) The remainder shall remain valid and enforceable.

Nothing in this Section is intended to:

Waive or limit statutory rights that cannot be waived; or
Exclude or limit liability for matters that cannot be excluded under applicable law.

Section 5. In-Person Events and Venue Limitations

5.1 In-Person Event Participation

IAAC may offer in-person educational events, workshops, or sessions (collectively, “In-Person Events”).

Participation in any In-Person Event is:

(a) Voluntary;
(b) Subject to additional terms, including waivers; and
(c) Governed by these Terms in conjunction with event-specific agreements.

5.2 Third-Party Venue Control

In-Person Events may be conducted at third-party venues, including facilities operated by organizations such as Life Time or other host locations.

You acknowledge that:

(a) IAAC does not own, control, or operate the Venue;
(b) IAAC is not responsible for the condition, safety, or security of the Venue; and
(c) Venue policies, rules, and procedures may apply and must be followed.

5.3 No Responsibility for Venue Conditions or Operations

To the maximum extent permitted by applicable law, IAAC shall not be liable for:

Physical conditions of the Venue;
Acts or omissions of venue staff or third parties;
Security, safety, or crowd control measures;
Food or beverage preparation, handling, or service; or
Any incident occurring on or related to the Venue premises.

5.4 Compliance with Venue Rules

You agree to comply with all:

Venue rules;
Safety requirements; and
Applicable laws.

Failure to comply may result in:

Denial of entry; or
Removal from the Event.

5.5 No Duty to Provide Security or Supervision

IAAC does not provide:

Security services;
Medical services; or
Supervision of attendees.

IAAC has no duty to monitor, supervise, or control the conduct of participants or third parties.

5.6 Admission Control and Removal

IAAC reserves the right to:

Refuse entry;
Deny participation; or
Remove any individual

for safety, compliance, or operational reasons, to the maximum extent permitted by law.

5.7 Health and Illness Participation Standard

You agree not to attend an In-Person Event if you:

Are experiencing symptoms of illness; or
Reasonably believe you may pose a risk to others.

IAAC reserves the right to deny entry where such conditions are reasonably suspected.

5.8 No Guarantee of Safety or Risk Elimination

IAAC does not guarantee:

A risk-free environment;
Absence of hazards; or
Protection from illness, injury, or third-party conduct.

Participation occurs at your own risk.

5.9 Relationship to Waiver

Participation in In-Person Events may require execution of a Waiver and Release of Liability.

In the event of a conflict:

The Waiver governs in-person liability; and
These Terms govern general service use.

5.10 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 6. Participant Conduct, Safety, and Environment

6.1 Participant Conduct Requirements

You agree to:

(a) Conduct yourself in a lawful, respectful, and non-disruptive manner;
(b) Comply with all applicable laws and regulations; and
(c) Follow all IAAC and Venue rules and policies.

6.2 Assumption of Behavioral Risk

You acknowledge that:

Other participants may act unpredictably; and
Interaction in a group environment involves inherent risks.

You assume all risks arising from:

Interaction with other participants; and
Conduct of third parties.

6.3 No Duty to Monitor or Control Participant Behavior

IAAC does not monitor, supervise, or control participant behavior.

IAAC shall not be liable for:

Actions, omissions, or misconduct of participants; or
Conduct of third parties.

6.4 Prohibited Conduct

You agree not to:

Engage in harassment, discrimination, or abusive behavior;
Disrupt the Event or interfere with others;
Violate applicable laws or Venue policies; or
Engage in unsafe or reckless conduct.

6.5 Alcohol and Controlled Substances (Conditional)

Where alcohol is available at an In-Person Event:

(a) Alcohol is provided and controlled by the Venue or third parties;
(b) IAAC does not serve, provide, or control alcohol; and
(c) You are solely responsible for your consumption.

You agree to:

Comply with all applicable laws; and
Follow Venue policies regarding alcohol use.

6.6 Assumption of Alcohol-Related Risk

You assume all risks associated with alcohol consumption, including:

Impairment;
Injury;
Accidents; and
Interactions with others.

6.7 No Duty to Monitor Alcohol Use

IAAC does not monitor or control alcohol consumption and has no obligation to prevent or limit alcohol use.

6.8 Post-Event Responsibility

You acknowledge that IAAC is not responsible for:

Your actions after leaving the Event; or
Any conduct during travel to or from the Event.

6.9 Enforcement and Removal

IAAC may remove any individual who:

Violates these Terms;
Engages in unsafe or disruptive conduct; or
Fails to comply with Venue rules.

Such removal may occur without refund, to the extent permitted by law.

6.10 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 7. Intellectual Property and Content Use

7.1 Ownership of Content

All content provided through the Services, including but not limited to:

Course materials;
Presentations;
Frameworks;
Methodologies;
Written, visual, or audio materials; and
All related intellectual property

(collectively, the “Content”) is owned by IAAC or its licensors and is protected by applicable intellectual property laws.

7.2 Limited License

IAAC grants you a limited, non-exclusive, non-transferable, revocable license to:

Access; and
Use the Content

solely for your personal, non-commercial use in connection with the Services.

7.3 Restrictions on Use

You may not, without prior written consent from IAAC:

Copy, reproduce, distribute, or publicly display the Content;
Modify, adapt, or create derivative works;
Reverse engineer or deconstruct any methodology or framework;
Share, sell, sublicense, or transfer the Content; or
Use the Content for commercial or competitive purposes.

7.4 Protection of Methodologies and Frameworks

You acknowledge that IAAC’s methodologies, frameworks, and instructional structures constitute proprietary intellectual property.

Any unauthorized use, reproduction, or distribution of such materials is strictly prohibited and may result in legal action.

7.5 No License to Underlying Systems or Concepts

Nothing in these Terms grants you any ownership or license rights in IAAC’s:

Underlying systems;
Processes;
Techniques; or
Intellectual property beyond the limited license expressly provided.

7.6 User Responsibility for Compliance

You are responsible for ensuring that your use of the Content complies with:

These Terms; and
Applicable intellectual property laws.

7.7 Termination of License

IAAC reserves the right to revoke your license to use the Content if you:

Violate these Terms; or
Engage in unauthorized use of the Content.

7.8 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

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

Section 8. Recording, Confidentiality, and Feedback

8.1 Prohibition on Recording

You agree that you will not:

Record;
Photograph;
Capture; or
Transmit

any portion of the Services without prior written consent from IAAC.

This includes use of:

Mobile devices;
Cameras;
Wearable devices (including smart glasses and similar technologies); and
Any recording-capable equipment.

8.2 Enforcement of Recording Restrictions

Unauthorized recording or distribution of Content constitutes:

A material breach of these Terms; and
A violation of IAAC’s intellectual property rights.

IAAC reserves the right to pursue all available legal remedies.

8.3 Shared Environment Acknowledgment

You acknowledge that:

Services, including In-Person Events, occur in shared environments; and
Complete privacy cannot be guaranteed.

8.4 Confidentiality of Content and Participant Information

You agree not to disclose:

IAAC proprietary Content;
Instructional methodologies; or
Information shared by other participants

without authorization.

This obligation applies during and after participation.

8.5 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 Content by others.

8.6 Feedback and Submissions

If you provide feedback, suggestions, or comments (“Feedback”), you grant IAAC a:

Non-exclusive;
Royalty-free;
Perpetual; and
Worldwide license

to use, modify, and incorporate such Feedback without restriction or compensation.

8.7 No Obligation to Maintain Confidentiality of Feedback

IAAC is not obligated to:

Treat Feedback as confidential; or
Restrict use of Feedback in any manner.

8.8 No Compensation for Feedback

You acknowledge that no compensation is owed for any Feedback provided.

8.9 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 9. Data Collection, Privacy, and Communications

9.1 Relationship to Privacy Policy

Your use of the Services is subject to IAAC’s Privacy Policy, which is incorporated by reference into these Terms.

The Privacy Policy governs:

Collection;
Use;
Storage; and
Disclosure

of personal information.

9.2 No Inconsistency with Privacy Policy

In the event of any conflict between these Terms and the Privacy Policy:

The Privacy Policy shall govern with respect to personal data; and
These Terms shall govern all other matters.

9.3 Data Collection in Connection with Services

IAAC may collect personal information in connection with:

Account registration;
Purchases;
Course participation;
In-Person Event attendance; and
Communications.

This may include:

Name;
Email address;
Payment-related information (processed via third parties); and
Interaction data.

9.4 Third-Party Data Processing

IAAC uses third-party service providers, including but not limited to Kajabi and Stripe, to process payments, host content, and manage communications.

You acknowledge that:

Such providers operate as independent entities;
Their data practices are governed by their own policies; and
IAAC is not responsible for their security, availability, or data handling practices.

9.5 No Guarantee of Data Security

While IAAC implements reasonable safeguards, you acknowledge that:

No system is completely secure; and
Transmission and storage of data involve inherent risks.

IAAC does not guarantee:

Absolute security; or
Protection against unauthorized access.

9.6 User Responsibility for Data Submission

You agree not to submit:

Highly sensitive personal data;
Passwords;
Full financial account details; or
Government-issued identification numbers

unless explicitly requested through secure channels.

IAAC is not responsible for data voluntarily submitted outside such channels.

9.7 Communications and Notices

IAAC may communicate with you via:

Email;
Platform notifications; or
Website postings.

Such communications may include:

Service updates;
Transactional messages; and
Administrative notices.

9.8 Consent to Communications

By using the Services, you consent to receive communications from IAAC related to:

Your account;
Purchases;
Participation in Services; and
Service-related updates.

9.9 Marketing Communications

IAAC may send marketing or promotional communications where permitted by applicable law.

You may opt out of such communications through:

Unsubscribe links; or
Direct request.

9.10 No Liability for Communication Delivery Issues

IAAC is not responsible for:

Delayed, blocked, or undelivered communications;
Email filtering or spam classification; or
User failure to receive communications.

9.11 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Nothing in this Section limits rights granted under applicable data protection laws.

Section 10. Payment, Pricing, and Refund Policy

10.1 Pricing and Payment

All prices are:

Listed in U.S. dollars unless otherwise specified; and
Subject to change at IAAC’s discretion.

Payment must be made in full at the time of purchase unless otherwise stated.

10.2 Third-Party Payment Processing

Payments are processed through third-party providers, including Stripe.

IAAC does not:

Store full payment card information;
Control payment processing systems; or
Guarantee availability of payment services.

IAAC is not liable for errors or failures in third-party payment processing.

10.3 No Refund Policy (Digital Services)

To the maximum extent permitted by applicable law, all purchases of digital Services are final and non-refundable.

By purchasing digital content, you:

Acknowledge immediate access to the Services; and
Waive any right to cancellation or refund where such waiver is permitted.

10.4 In-Person Event Refund Policy

Refunds for In-Person Events may be available only if cancellation occurs at least twenty-four (24) hours prior to the scheduled event.

IAAC reserves the right to:

Deny refunds outside this window; and
Make exceptions at its sole discretion.

10.5 No Refund for Removal or Violation

You are not entitled to a refund if:

You are removed for violating these Terms;
You fail to attend an event; or
You are denied entry due to non-compliance.

10.6 Chargebacks and Payment Disputes

You agree not to initiate chargebacks or payment disputes without first contacting IAAC.

Improper chargebacks may result in:

Suspension of access; and
Additional recovery actions.

10.7 Taxes

You are responsible for any applicable taxes associated with your purchase.

10.8 Pricing Errors

IAAC reserves the right to correct pricing errors, including after a purchase has been submitted.

In such cases, IAAC may:

Cancel the transaction; or
Offer the option to proceed at the correct price.

10.9 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Nothing in this Section shall limit mandatory consumer rights where applicable.

Section 11. Account Access, Use Restrictions, and Platform Integrity

11.1 Account Responsibility

If you create an account, you are solely responsible for:

(a) Maintaining the confidentiality of your login credentials;
(b) All activities that occur under your account; and
(c) Ensuring that your account information remains accurate and current.

11.2 Unauthorized Access and Use

You agree not to:

Access or attempt to access accounts other than your own;
Circumvent or attempt to bypass security measures;
Use the Services in a manner that could compromise system integrity; or
Engage in any unauthorized or unlawful use of the Services.

11.3 Prohibited Use of Automated Systems

You agree not to use any automated means to access or interact with the Services, including:

Bots;
Scrapers;
Crawlers;
Data mining tools; or
Any automated scripts.

This includes use of artificial intelligence systems for:

Content extraction;
Replication; or
Training purposes.

11.4 Prohibition on AI Training and Data Extraction

You may not use the Services or any Content to:

Train artificial intelligence models;
Develop competing datasets;
Extract structured or unstructured data; or
Replicate IAAC’s methodologies or frameworks.

Any such use is expressly prohibited and constitutes a material breach of these Terms.

11.5 No Reverse Engineering or System Interference

You agree not to:

Reverse engineer, decompile, or attempt to derive underlying systems;
Interfere with platform functionality;
Introduce malicious code; or
Attempt to disrupt service availability.

11.6 Suspension and Termination of Access

IAAC reserves the right to:

Suspend or terminate access;
Restrict use of the Services; or
Remove accounts

for violation of these Terms or for any behavior that IAAC reasonably determines to be harmful or disruptive.

11.7 No Obligation to Maintain Access

IAAC is not obligated to:

Maintain user accounts indefinitely;
Provide uninterrupted access; or
Restore access after suspension or termination.

11.8 User Responsibility for System Compatibility

You are responsible for ensuring that:

Your devices;
Software; and
Internet access

are compatible with the Services.

IAAC is not responsible for technical issues arising from user environments.

11.9 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 12. Service Availability and Modifications

12.1 Service Availability

IAAC provides the Services on an “as available” basis.

You acknowledge that:

Services may be interrupted;
Access may be limited; and
Features may change over time.

12.2 No Guarantee of Availability or Uptime

IAAC does not guarantee:

Continuous availability;
Error-free operation; or
Uninterrupted access to the Services.

12.3 Modifications to Services

IAAC reserves the right to:

Modify;
Suspend; or
Discontinue

any portion of the Services at any time, with or without notice.

12.4 No Liability for Changes or Interruptions

IAAC shall not be liable for:

Service interruptions;
Changes to functionality;
Removal of features; or
Loss of access resulting from modifications.

12.5 Scheduled and Unscheduled Maintenance

Services may be unavailable due to:

Scheduled maintenance;
System upgrades;
Security updates; or
Unplanned technical issues.

12.6 Third-Party Dependency Disclaimer

Availability of the Services may depend on third-party providers, including Kajabi and Stripe.

IAAC is not responsible for:

Downtime;
Service degradation; or
Failures of third-party systems.

12.7 No Obligation to Preserve Content or Data

IAAC is not obligated to:

Retain user data indefinitely;
Preserve access to content; or
Provide backups or restoration services.

12.8 User Responsibility for Continuity

You are responsible for:

Maintaining copies of any materials;
Managing your own data backups; and
Ensuring continuity of your systems and operations.

12.9 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 13. Regulatory Positioning and Non-Professional Status

13.1 Educational Nature of Services

The Services are provided solely for:

Educational;
Informational; and
General awareness purposes.

They are not designed to provide individualized, situation-specific, or regulated professional advice.

13.2 No Professional Advice

To the maximum extent permitted by applicable law, the Services do not constitute:

Legal advice;
Financial advice;
Cybersecurity consulting;
Regulatory compliance advice;
Medical or mental health services; or
Any other regulated professional service.

Nothing in the Services shall be interpreted as creating any obligation to provide such services.

13.3 No Professional Relationship

Use of the Services does not create:

An attorney-client relationship;
A fiduciary relationship;
A consulting or advisory engagement; or
Any ongoing duty of care beyond what is expressly stated in these Terms.

13.4 User Responsibility to Seek Professional Advice

You are solely responsible for determining whether to seek advice from:

Licensed attorneys;
Certified financial professionals;
Qualified cybersecurity professionals; or
Other regulated advisors.

IAAC is not responsible for your failure to obtain appropriate professional guidance.

13.5 Regulatory Variability

You acknowledge that:

Laws and regulations vary by jurisdiction; and
Guidance provided through the Services may not reflect all applicable legal or regulatory requirements.

13.6 No Representation of Compliance

IAAC does not represent or guarantee that use of the Services will result in:

Compliance with any law, regulation, or standard; or
Satisfaction of any regulatory requirement.

13.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

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

Nothing in this Section limits non-waivable statutory rights.

Section 14. Eligibility, Use Restrictions, and Prohibited Use Cases

14.1 Eligibility Requirements

You represent and warrant that:

(a) You are at least eighteen (18) years of age;
(b) You have legal capacity to enter into these Terms; and
(c) You are not prohibited from using the Services under applicable law.

14.2 Prohibited Use Cases

You may not use the Services:

For unlawful purposes;
To violate any applicable law or regulation;
To engage in fraudulent, deceptive, or harmful conduct;
To exploit or misuse the Services in a manner inconsistent with their intended purpose; or
To develop competing products or services based on IAAC Content.

14.3 High-Risk and Regulated Use Disclaimer

The Services are not intended for use in:

Critical infrastructure systems;
Life-safety or medical environments;
High-risk financial decision-making; or
Any context where failure could result in significant harm.

Use in such contexts is at your own risk.

14.4 No Reliance for High-Stakes Decisions

You agree not to rely on the Services as the sole basis for:

Legal decisions;
Financial decisions;
Security-critical configurations; or
Any decision involving significant risk or consequence.

14.5 Prohibition on Misrepresentation

You may not:

Misrepresent the nature of the Services;
Represent IAAC as providing regulated professional services; or
Use IAAC Content in a way that implies certification, endorsement, or compliance.

14.6 Enforcement of Use Restrictions

IAAC reserves the right to:

Suspend or terminate access;
Restrict use; or
Take appropriate action

if you violate these restrictions.

14.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 15. Assumption of Risk

15.1 General Assumption of Risk

You acknowledge and agree that use of the Services involves inherent risks.

You voluntarily assume all risks associated with:

Accessing the Services;
Using any Content; and
Implementing any guidance or recommendations.

15.2 Known and Unknown Risks

Such risks include:

Known risks;
Unknown risks;
Foreseeable risks; and
Unforeseeable risks

including risks not specifically identified in these Terms.

15.3 Risks Not Limited to Described Risks

You acknowledge that:

Not all risks can be anticipated or described; and
Your use of the Services may involve risks not currently known.

15.4 Technical and Implementation Risks

You assume all risks associated with:

System changes;
Configuration decisions;
Account security measures;
Third-party integrations; and
Use or misuse of guidance.

15.5 Risk of Data Loss and System Impact

You acknowledge the risk of:

Data loss;
Account lockout;
System malfunction;
Unauthorized access; and
Service disruption.

15.6 No Duty to Prevent Risk

IAAC has no duty to:

Prevent risks;
Identify all risks; or
Mitigate risks arising from your use of the Services.

15.7 Voluntary Use

Your use of the Services is voluntary, and you may discontinue use at any time.

15.8 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

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

Section 16. Disclaimer of Warranties

16.1 “As Is” and “As Available” Basis

To the maximum extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis.

IAAC makes no warranties, express or implied, regarding the Services.

16.2 Disclaimer of Implied Warranties

IAAC expressly disclaims all implied warranties, including:

Merchantability;
Fitness for a particular purpose;
Non-infringement; and
Any warranties arising from course of dealing or usage of trade.

16.3 No Warranty of Accuracy or Completeness

IAAC does not warrant that:

Content is accurate, complete, or current;
Guidance applies to your specific circumstances; or
Information is free from errors or omissions.

16.4 No Warranty of Results or Performance

IAAC does not warrant that:

Use of the Services will produce any specific result;
Systems will become secure or private; or
Risks will be reduced or eliminated.

16.5 No Warranty of Availability or Functionality

IAAC does not warrant that the Services will be:

Uninterrupted;
Error-free;
Secure; or
Available at all times.

16.6 Third-Party Disclaimer

IAAC makes no warranties regarding:

Third-party tools;
Platforms; or
Services integrated or referenced.

16.7 User Responsibility for Verification

You are solely responsible for verifying:

Accuracy of information;
Suitability of recommendations; and
Compatibility with your systems.

16.8 No Reliance

You agree not to rely on the Services as:

A substitute for professional advice; or
A guarantee of any outcome.

16.9 Jurisdictional Limitations on Disclaimer

Some jurisdictions do not allow the exclusion of certain warranties.

In such cases:

Disclaimers shall apply to the maximum extent permitted; and
Non-excludable rights remain unaffected.

16.10 Savings Clause

To the maximum extent permitted by applicable law:

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

Section 17. Termination and Suspension

17.1 Termination by IAAC

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

Suspend;
Restrict; or
Terminate

your access to the Services at any time, with or without notice, to the maximum extent permitted by applicable law.

17.2 Grounds for Termination

IAAC may terminate or suspend access if you:

Violate these Terms;
Engage in prohibited conduct;
Misuse the Services;
Attempt unauthorized access or data extraction; or
Engage in behavior that IAAC reasonably determines to be harmful, unlawful, or disruptive.

17.3 Immediate Effect of Termination

Upon termination:

Your right to access and use the Services ceases immediately;
Any licenses granted under these Terms are revoked; and
IAAC may disable or delete your account.

17.4 No Obligation to Provide Continued Access

IAAC is not obligated to:

Maintain access to purchased content after termination;
Provide continued access to platforms or materials; or
Restore access once terminated.

17.5 No Refund Upon Termination

To the maximum extent permitted by applicable law, termination or suspension does not entitle you to any refund.

17.6 Termination by User

You may discontinue use of the Services at any time.

Termination by you does not:

Cancel payment obligations; or
Entitle you to refunds, except where required by law.

17.7 Survival of Provisions

The following provisions shall survive termination:

Intellectual Property (Section 7);
Recording and Confidentiality (Section 8);
Assumption of Risk (Section 15);
Disclaimer of Warranties (Section 16);
Indemnification (Section 19);
Limitation of Liability (Section 20); and
Dispute Resolution (Section 21).

17.8 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

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

Section 18. Notices and Communication Procedures

18.1 Methods of Notice

IAAC may provide notice to you via:

Email to the address you provide;
Website posting; or
Platform notification.

Such notice shall be deemed effective upon transmission.

18.2 User Responsibility for Contact Information

You are responsible for:

Maintaining a valid and current email address; and
Ensuring your ability to receive communications.

IAAC is not responsible for:

Failure to receive notices due to outdated or incorrect information.

18.3 Deemed Receipt of Notice

Notices shall be deemed received:

Immediately upon sending (email or platform); or
Upon posting (website).

Actual receipt is not required for notice to be effective.

18.4 Notices to IAAC

You may provide notice to IAAC via:

The designated contact email listed on IAAC.IO; or
Other officially designated communication channels.

18.5 No Liability for Notice Failures

IAAC shall not be liable for:

Delayed notices;
Failed delivery; or
User failure to review communications.

18.6 Electronic Communications Agreement

You agree that all communications, notices, and agreements:

May be provided electronically; and
Have the same legal effect as written communications.

18.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall apply in full force and effect;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 19. Indemnification

19.1 User Indemnification Obligations

To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless IAAC and its owners, officers, employees, contractors, instructors, and representatives from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

(a) Your use of the Services;
(b) Your violation of these Terms;
(c) Your violation of any applicable law or regulation;
(d) Your implementation, misuse, or misapplication of any information provided through the Services;
(e) Your interaction with third-party tools, platforms, or services; and
(f) Any data, content, or information you submit, transmit, or otherwise provide.

19.2 Scope of Indemnification

This indemnification applies to:

Third-party claims;
Regulatory actions;
Government investigations; and
Any claims arising from your conduct, decisions, or actions in connection with the Services.

19.3 Defense and Control of Claims

IAAC reserves the right, at its sole discretion, to assume exclusive control of the defense, settlement, or resolution of any matter subject to indemnification.

You agree to cooperate fully, at your expense, with IAAC in the defense of any such claim.

19.4 No Limitation by Insurance or Liability Caps

Your indemnification obligations shall not be limited by:

Any insurance coverage;
Any limitation of liability provision; or
Any contractual cap on damages.

19.5 Limitations and Non-Waivable Rights

Nothing in this Section shall require indemnification for:

IAAC’s gross negligence;
IAAC’s willful misconduct;
Fraud; or
Any liability that cannot be indemnified under applicable law.

19.6 Survival

This Section shall survive:

Termination of these Terms; and
Your use of the Services.

19.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall be enforced in full;
(b) Any provision found unenforceable shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 20. Limitation of Liability

20.1 General Limitation of Liability

To the maximum extent permitted by applicable law, IAAC shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to the Services.

20.2 Specific Categories of Excluded Damages

This limitation includes, without limitation, damages for:

Loss of data;
Loss of access to systems or accounts;
Security breaches or unauthorized access;
Loss of revenue, profits, or business opportunities;
Operational disruption or downtime;
Reputational harm; and
Damages arising from third-party tools or services.

20.3 Aggregate Liability Cap

To the maximum extent permitted by applicable law, IAAC’s total aggregate liability for all claims arising out of or relating to the Services shall not exceed:

the total amount paid by you to IAAC for the specific Service giving rise to the claim.

If no amount was paid:

IAAC’s total liability shall not exceed one hundred U.S. dollars (USD $100).

20.4 Application Across All Legal Theories

These limitations apply regardless of the legal theory asserted, including:

Contract;
Tort (including negligence);
Strict liability; or
Any other legal or equitable theory.

20.5 Essential Basis of the Bargain

You acknowledge that:

These limitations are a fundamental basis of the agreement; and
The pricing and availability of the Services reflect this allocation of risk.

20.6 Non-Excludable Liability

Nothing in these Terms shall exclude or limit liability for:

Death or personal injury caused by negligence (where applicable);
Fraud or fraudulent misrepresentation; or
Any liability that cannot be excluded under applicable law.

20.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall be enforced to the fullest extent permitted;
(b) Any unenforceable provision shall be modified to the minimum extent necessary; and
(c) The remainder shall remain valid and enforceable.

Section 21. Dispute Resolution and Arbitration

21.1 Mandatory Arbitration

To the maximum extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to:

These Terms;
The Services; or
Your use of the Services

shall be resolved exclusively through binding arbitration.

21.2 Scope of Arbitration

This includes, without limitation:

Contract claims;
Tort claims (including negligence);
Statutory claims; and
Any other legal or equitable claims.

21.3 Exclusive Remedy

Arbitration shall be the sole and exclusive method of dispute resolution, except as provided below.

21.4 Small Claims Exception

Either party may bring an individual claim in a court of competent jurisdiction for small claims matters where such claims qualify.

21.5 Class Action Waiver

To the maximum extent permitted by applicable law:

All claims must be brought on an individual basis;
No class, collective, or representative actions are permitted; and
Claims may not be consolidated with those of other parties.

21.6 Waiver of Jury Trial

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

21.7 Forum Selection (Fallback for Non-Arbitrable Claims)

If any claim is determined not to be subject to arbitration, such claim shall be brought exclusively in the state or federal courts located in Minnesota.

You:

Consent to personal jurisdiction; and
Waive any objection based on inconvenience or improper venue.

21.8 Arbitration Procedure and Enforcement

Arbitration shall be conducted in accordance with commercially reasonable arbitration procedures.

Judgment on the arbitration award may be entered in any court of competent jurisdiction.

21.9 Severability of Dispute Provisions

If any portion of this Section is found to be invalid or unenforceable:

It shall be modified to the minimum extent necessary; and
The remaining provisions shall remain enforceable.

21.10 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall be enforced in full;
(b) Any unenforceable provision shall be modified; and
(c) The remainder shall remain valid and enforceable.

Section 22. General Provisions

22.1 Independent Contractor Relationship

Nothing in these Terms creates:

An employment relationship;
A partnership;
A joint venture; or
An agency relationship.

22.2 Assignment

You may not assign or transfer your rights or obligations under these Terms without prior written consent from IAAC.

IAAC may assign these Terms without restriction.

22.3 Force Majeure

IAAC shall not be liable for any delay or failure to perform resulting from events beyond its reasonable control, including:

Natural disasters;
Acts of government;
Pandemics;
Labor disputes;
Technical failures; or
Third-party service disruptions.

22.4 Entire Agreement

These Terms, together with incorporated policies, constitute the entire agreement between you and IAAC regarding the Services.

22.5 No Waiver

Failure by IAAC to enforce any provision shall not constitute a waiver of that provision or any other provision.

22.6 Notices (Final Standardization)

Notices shall be deemed properly given when delivered via:

Email to the address provided by the User; or
Posting on the IAAC website or platform.

Notices are effective upon transmission or posting.

22.7 Headings and Interpretation

Headings are for convenience only and do not affect interpretation.

22.8 Survival (Final Reinforcement)

All provisions which by their nature should survive termination shall remain in full force and effect, including:

Intellectual property;
Confidentiality;
Assumption of risk;
Disclaimer of warranties;
Indemnification;
Limitation of liability; and
Dispute resolution.

22.9 Severability (Global Reinforcement)

If any provision of these Terms is found to be:

Invalid;
Illegal; or
Unenforceable,

it shall be:

Modified to the minimum extent necessary; and
The remainder shall remain in full force and effect.

22.10 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to conflict-of-law principles.

22.11 Jurisdictional Compliance Statement

Nothing in these Terms is intended to:

Waive rights that cannot be waived under applicable law; or
Limit liability in a manner prohibited by law.

Section 23. Interpretation, Construction, and Evidence

23.1 Interpretation in Favor of Enforceability

To the maximum extent permitted by applicable law, these Terms shall be interpreted:

To give effect to their intent; and
To provide the broadest permissible protection to IAAC.

No provision shall be interpreted against IAAC solely by virtue of authorship.

23.2 No Strict Construction Against Drafting Party

The parties agree that:

These Terms shall not be construed against IAAC as the drafting party; and
The doctrine of contra proferentem shall not apply to the maximum extent permitted by law.

23.3 Headings and Formatting

Headings, formatting, and organizational elements:

Are for convenience only; and
Do not affect the interpretation of these Terms.

23.4 Electronic Records and Admissibility

You agree that:

Electronic records, logs, and system data maintained by IAAC
Are admissible in any dispute

and shall be considered:

Accurate; and
Reliable

to the maximum extent permitted by applicable law.

23.5 Language Interpretation

These Terms are drafted in English.

In the event of any translation:

The English version shall control; and
Translations are provided for convenience only.

23.6 Severability (Interpretation Reinforcement)

If any provision is found invalid or unenforceable:

It shall be modified to the minimum extent necessary; and
The remainder shall remain in full force and effect.

23.7 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

(a) This Section shall be enforced in full;
(b) Any unenforceable provision shall be modified; and
(c) The remainder shall remain valid and enforceable.

Section 24. Final Acknowledgment and Binding Effect

24.1 Acknowledgment of Understanding

You acknowledge that you:

Have read these Terms in full;
Understand their contents; and
Understand that you are waiving certain legal rights.

24.2 Voluntary Agreement

You agree that:

You are entering into these Terms voluntarily; and
You are not relying on any statement not expressly included herein.

24.3 Consideration

You acknowledge that:

Access to the Services;
Participation in educational content; and
Availability of IAAC resources

constitute sufficient and adequate consideration for these Terms.

24.4 Binding Effect

These Terms are:

Legally binding; and
Enforceable to the maximum extent permitted by applicable law.

24.5 Method of Acceptance (Final Reinforcement)

You agree that acceptance of these Terms may occur through:

Electronic agreement (checkbox, click-through);
Purchase or registration; or
Use of the Services.

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

24.6 No Reliance

You acknowledge that you have not relied on:

Statements;
Representations; or
Promises

other than those expressly set forth in these Terms.

24.7 Entire Agreement Confirmation

These Terms, together with incorporated policies, represent the complete and exclusive agreement between you and IAAC.

24.8 Survival of Acknowledgments

The acknowledgments and agreements in this Section shall survive:

Termination of these Terms; and
Your use of the Services.

24.9 Jurisdictional Application and Savings Clause

To the maximum extent permitted by applicable law:

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

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