DISCLAIMER

KnowLay provides AI-powered coaching tools as part of its Services. This Disclaimer explains the nature and limits of the AI coaching. By using any AI coaching feature, you confirm that you have read and accept this Disclaimer, which forms part of our Terms of Use. 1. Educational and Informational Purpose Only AI coaching is provided for general educational, informational, and developmental purposes only. It is designed to offer guidance, prompts, and suggestions to support your learning. It is not a substitute for professional advice, diagnosis, or treatment of any kind. 2. Not Professional Advice AI coaching does not constitute medical, psychological, legal, financial, tax, or other professional advice. The AI is not a licensed doctor, therapist, lawyer, accountant, or financial advisor. For decisions in these areas, always consult an appropriately qualified professional. If you are experiencing a medical or mental-health emergency, contact your local emergency services or a qualified provider immediately. 3. Limitations of AI Outputs AI-generated responses are produced by automated systems and may be inaccurate, incomplete, outdated, or unsuitable for your specific situation. The AI may “hallucinate” or generate plausible-sounding but incorrect information. It does not know you personally beyond the information you provide and cannot exercise human judgment. You should independently verify any important information before relying on it. 4. Your Responsibility You are solely responsible for how you use AI coaching and for any decisions or actions you take based on its outputs. You should use your own judgment and seek professional guidance where appropriate. KnowLay does not guarantee any particular result, outcome, or benefit from using the AI coaching. 5. Data You Share With the AI Information you enter into the AI coach may be processed by KnowLay and trusted third-party AI providers to generate responses, as described in our Privacy Policy. Please do not share sensitive personal information, such as health conditions, financial-account numbers, passwords, or government identifiers, with the AI coach unless strictly necessary. 6. No Liability To the maximum extent permitted by law, KnowLay and its personnel and partners are not liable for any loss, damage, or harm arising from your use of, or reliance on, AI coaching outputs. The AI coaching is provided “as is” and “as available” without warranties of any kind. This Disclaimer is subject to the limitation-of-liability provisions in our Terms of Use. 7. Human Coaching Where you also receive coaching from a human coach, that coaching is likewise for educational and developmental purposes and is not professional advice unless expressly stated. The same limitations on liability and outcomes apply. 8. Contact Questions about this Disclaimer may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.

ACCESSIBILITY STATEMENT

J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”) is committed to making the KnowLay Services accessible to as many people as possible, including people with disabilities. We want everyone to be able to learn, regardless of ability or technology. 1. Our Commitment We aim to conform substantially to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, as a practical standard for making web content more accessible. We also strive to meet the expectations of the Americans with Disabilities Act (ADA) as they apply to our Services. 2. Measures We Take • Designing for keyboard navigation and screen-reader compatibility where feasible. • Using sufficient color contrast and readable text. • Providing captions or transcripts for video and audio content where practical. • Reviewing accessibility as part of our ongoing development. 3. Ongoing Effort and Limitations Accessibility is an ongoing effort. Some older content or third-party features may not yet fully meet our target standard. We are working to improve continuously and welcome feedback to help us prioritize. 4. Feedback and Assistance If you encounter an accessibility barrier, or need content provided in an alternative format, please contact us at [email protected]. Tell us the page or content involved and the difficulty you experienced, and we will make reasonable efforts to provide the information or assistance you need. 5. Response We try to respond to accessibility feedback within a reasonable timeframe and to address issues as quickly as practical. 6. Changes We may update this Statement as our Services and accessibility practices evolve. We will post the revised version with a new “Last updated” date. 7. Contact Accessibility questions or requests may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.

ACCEPTABLE USE POLICY

This Acceptable Use Policy (“AUP”) describes conduct that is prohibited when using the KnowLay website, applications, and services (the “Services”), operated by J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”). It supplements our Terms of Use. Violating this AUP may result in suspension or termination of your account, removal of content, and legal action. 1. Prohibited Content You must not upload, post, transmit, or share content that: • is unlawful, defamatory, fraudulent, obscene, or harmful; • infringes any copyright, trademark, patent, trade secret, or other intellectual property or privacy right; • contains hate speech, harassment, threats, or incites violence; • sexualizes, endangers, or exploits minors in any way; • contains malware, viruses, or any code designed to disrupt or damage systems; or • constitutes spam, phishing, or deceptive or misleading material. 2. Prohibited Conduct You must not: • copy, record, scrape, download (except where expressly permitted), republish, resell, or redistribute KnowLay content, or share your account or access links with others; • use the Services or any content to build, train, or improve a competing product, model, or service; • reverse engineer, decompile, or attempt to access source code or non-public areas of the Services; • circumvent, disable, or interfere with security, access controls, or usage limits; • use bots, crawlers, or automated means to access or extract data without our written permission; • overload, disrupt, or impair the Services or the experience of other users; • impersonate any person or entity, or misrepresent your affiliation; or • use the Services for any unlawful purpose or in violation of any applicable law or regulation. 3. Account Security You are responsible for safeguarding your login credentials and for all activity under your account. You must not share, sell, or transfer your account, and you must notify us promptly of any unauthorized use. 4. Enforcement We may investigate suspected violations and cooperate with law enforcement. We may remove content and suspend or terminate access, with or without notice, for any violation of this AUP. Termination for violation does not entitle you to any refund, consistent with our Refund & Cancellation Policy. 5. Reporting Violations To report a violation, contact us at [email protected] with relevant details. For intellectual-property complaints, see our DMCA & Copyright Policy. 6. Changes We may update this AUP from time to time. We will post the revised version with a new “Last updated” date. 7. Contact Questions about this AUP may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.

AFFILIATE & REFERRAL PROGRAM TERMS

These Affiliate & Referral Program Terms (“Terms”) govern your participation in the affiliate or referral program (the “Program”) operated by J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”). By enrolling in or participating in the Program, you (the “Affiliate”) agree to these Terms, our Terms of Use, and our Acceptable Use Policy. 1. Enrollment To participate, you must apply and be approved by KnowLay. We may accept or reject any application at our discretion. You must be at least 18 years old and provide accurate registration and payment details. We may suspend or terminate your participation at any time. 2. Referral Tracking Upon approval, you receive a unique referral link or code. Qualifying referrals are tracked when a new customer uses your link or code and completes an eligible purchase. Tracking relies on cookies and our systems; we are not responsible for referrals that are not tracked due to blocked cookies, technical issues, or a customer using a different device or browser. 3. Commissions Commission rate and structure are set out in the Program dashboard or a separate schedule and may be a percentage of, or fixed amount per, eligible sale. We may change rates prospectively on notice. Commissions are earned only on completed, non-refunded purchases by genuine new customers. • Self-referrals and purchases through your own link for your own account do not qualify. • Because KnowLay operates a no-refund policy, commissions are generally final once the qualifying period passes; however, we may reverse commissions for fraudulent, disputed, or charged-back transactions. • A minimum payout threshold and a holding period before payout may apply, as stated in the dashboard. 4. Payment We pay approved commissions using the method and schedule shown in the Program dashboard (for example, monthly, after any holding period). You are responsible for providing valid payment details and for all taxes on amounts you receive. You are an independent participant, not an employee or agent of KnowLay. 5. Promotion Rules You must promote KnowLay honestly and lawfully. You must not: • make false, misleading, or exaggerated claims about KnowLay, its courses, coaching, or results; • use spam, unsolicited email, or deceptive advertising; • bid on KnowLay trademarks or run paid search ads that misrepresent your relationship with us, unless we permit it in writing; • use cookie stuffing, forced clicks, or other fraudulent tracking methods; • offer unauthorized discounts, rebates, or cashback as an inducement; or • imply that you are KnowLay or speak on its behalf. You must clearly disclose your affiliate relationship as required by law (for example, the U.S. FTC endorsement guidelines). 6. Intellectual Property We grant you a limited, revocable, non-exclusive license to use KnowLay-approved logos and marketing materials solely to promote the Program in accordance with these Terms and any brand guidelines. You gain no other rights in our intellectual property and must stop using our materials on termination. 7. Termination Either party may terminate participation at any time, with or without cause, on notice. We may withhold or reverse commissions earned through fraud, breach of these Terms, or prohibited promotion. Unpaid, validly earned commissions for compliant referrals will be paid in the normal cycle after termination, subject to any threshold. 8. Disclaimers and Liability The Program is provided “as is.” We do not guarantee any minimum earnings, referral volume, or continued availability of the Program. To the maximum extent permitted by law, our liability relating to the Program is limited to commissions validly earned but unpaid. 9. Governing Law These Terms are governed by the laws of the State of Texas, United States, and disputes will be resolved in the state or federal courts located in Houston, Harris County, Texas. 10. Changes We may update these Terms from time to time. We will post the revised version with a new “Last updated” date. Continued participation indicates acceptance. 11. Contact Questions about the Program may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.

COACH & INSTRUCTOR AGREEMENT

This Coach & Instructor Agreement (“Agreement”) is entered into between J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”) and the individual or entity providing coaching and/or instructional content through the KnowLay platform (the “Coach”). By accepting this Agreement or providing Services through KnowLay, the Coach agrees to these terms. 1. Independent Contractor The Coach is an independent contractor, not an employee, partner, or agent of KnowLay. The Coach is responsible for their own taxes, insurance, equipment, and expenses, and has no authority to bind KnowLay. Nothing in this Agreement creates an employment or partnership relationship. 2. Services The Coach will provide coaching sessions and/or create instructional content (courses, videos, materials) as agreed with KnowLay. The Coach will perform the Services professionally, lawfully, and in accordance with KnowLay’s published guidelines, schedules, and quality standards. 3. Quality Standards and Conduct The Coach will treat learners and staff respectfully, deliver booked sessions reliably, maintain appropriate professional boundaries, and respond to learner and KnowLay communications within reasonable timeframes. KnowLay may remove content or suspend the Coach for conduct that breaches these standards. 4. Intellectual Property Coach-created content. Unless otherwise agreed in writing, the Coach retains ownership of original course content they create, and grants KnowLay a worldwide, royalty-free, sublicensable licence to host, reproduce, distribute, market, and display that content on and in connection with the Services for as long as it remains on the platform and as needed to support learners who purchased it. KnowLay IP. KnowLay retains all rights in the platform, brand, trademarks, and its own materials. The Coach may use KnowLay branding only as authorized. The Coach represents that their content is original or properly licensed, does not infringe any third-party rights, and may lawfully be provided to KnowLay. 5. Compensation and Revenue Share KnowLay will pay the Coach according to the revenue-share or fee terms agreed in writing (for example, in an order form or schedule). Payment timing, method, and any platform or processing fees will be set out there. The Coach is responsible for all taxes on amounts received. Where no separate schedule exists, compensation must be agreed in writing before Services begin. 6. Confidentiality The Coach will keep confidential all non-public information about KnowLay, its learners, business, and operations, and will not use or disclose it except to perform the Services. This obligation continues after this Agreement ends. Learner personal data must be handled in line with KnowLay’s Privacy Policy and applicable law. 7. Non-Solicitation During the engagement and for twelve (12) months after it ends, the Coach will not use KnowLay learner relationships obtained through the platform to divert those learners to competing services outside KnowLay, to the extent permitted by applicable law. 8. Representations and Compliance The Coach represents that they have the qualifications, skills, and any licenses appropriate to the Services they provide, and will comply with all applicable laws. Coaching content is for educational and developmental purposes and must not be presented as licensed professional advice unless the Coach holds the relevant license and KnowLay agrees in writing. 9. Indemnification The Coach will indemnify and hold harmless KnowLay from claims, damages, and expenses (including reasonable legal fees) arising from the Coach’s content, conduct, breach of this Agreement, or violation of law or third-party rights. 10. Term and Termination Either party may terminate this Agreement at any time on written notice. On termination, KnowLay may retain and continue to serve previously purchased content to existing learners for a reasonable wind-down period. Confidentiality, intellectual property licences for already-sold content, indemnification, and non-solicitation survive termination. 11. Limitation of Liability To the maximum extent permitted by law, neither party is liable to the other for indirect, incidental, or consequential damages. KnowLay’s total liability under this Agreement is limited to the amounts paid to the Coach in the three (3) months before the event giving rise to the claim. 12. Governing Law This Agreement is governed by the laws of the State of Texas, United States, and disputes will be resolved in the state or federal courts located in Houston, Harris County, Texas. 13. Acceptance By signing below or by accepting electronically, the parties agree to this Agreement. Coach Name: ______________________________ Signature: ______________________________ Date: ____________ KnowLay (J&P Global LLC, DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064 Name: ______________________________ Signature: ______________________________ Date:

COACHING AGREEMENT

This Coaching Agreement (“Agreement”) sets out the terms on which J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”) provides human coaching sessions to you (the “Client”). It supplements our Terms of Use. By booking or attending a coaching session, you agree to these terms. 1. Nature of Coaching Coaching is a collaborative, forward-looking process intended to support your learning, development, and goals. It is provided for educational and developmental purposes only. 2. Not Professional Advice Coaching is not therapy, counseling, medical, psychological, legal, financial, or other professional advice, and your coach is not acting as a licensed professional unless expressly stated in writing. For such matters, consult an appropriately qualified professional. If you are experiencing a medical or mental-health emergency, contact your local emergency services immediately. 3. Scheduling and Sessions Sessions are booked through the platform. You are responsible for attending on time and prepared. Session length, frequency, and format are described at the time of booking. The coach may end a session early if conduct is abusive or inappropriate. 4. Cancellation and Rescheduling To reschedule, you must provide notice of at least three (3) working days before the scheduled session. Sessions cancelled with less than three (3) working days’ notice, missed, or attended late are forfeited and are not refundable or credited, consistent with our Refund & Cancellation Policy. 5. Client Responsibilities You are responsible for your own decisions, actions, and results. Coaching supports you, but you remain accountable for the choices you make. You agree to engage honestly and to provide information needed for effective coaching. 6. Confidentiality We treat information you share in coaching as confidential and use it in accordance with our Privacy Policy. Confidentiality may be limited where disclosure is required by law, or where there is a risk of serious harm to you or others. Coaching is not a legally privileged relationship. 7. No Guarantee of Results We do not guarantee any specific outcome, result, or benefit from coaching. Progress depends on many factors, including your own effort and circumstances. 8. Recording Sessions may be recorded only where both you and the coach agree in advance. You may not record, copy, or share session content without our prior written consent, consistent with the no-copying terms of our Terms of Use. 9. Limitation of Liability To the maximum extent permitted by law, KnowLay and its coaches and personnel are not liable for any indirect, incidental, or consequential loss arising from coaching, and our total liability is limited as set out in our Terms of Use. 10. Governing Law This Agreement is governed by the laws of the State of Texas, United States, and disputes will be resolved in the state or federal courts located in Houston, Harris County, Texas. 11. Contact Questions about this Agreement may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.

COMMUNITY GUIDELINES & CODE OF CONDUCT

KnowLay, operated by J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”), is a learning community. These Community Guidelines apply to all spaces where members interact, including forums, groups, comments, chats, live sessions, and any coach or learner communication. By participating, you agree to follow these Guidelines, our Terms of Use, and our Acceptable Use Policy. 1. Our Expectations We want KnowLay to be a respectful, supportive, and safe place to learn. Treat coaches, staff, and fellow members with courtesy, assume good faith, and keep discussion constructive and on-topic. 2. Be Respectful • Be kind and professional, even when you disagree. • No harassment, bullying, threats, hate speech, or discrimination based on protected characteristics such as race, ethnicity, religion, sex, sexual orientation, gender identity, age, disability, or national origin. • No personal attacks, doxxing, or sharing someone else’s private information without consent. 3. Keep It Safe and Lawful • No sexual, violent, or otherwise inappropriate content, and nothing involving minors. • No content that promotes illegal activity, self-harm, or harm to others. • No spam, scams, phishing, pyramid or “get-rich-quick” schemes, or unsolicited advertising. 4. Respect Intellectual Property Do not post content you do not have the right to share. Consistent with our Terms of Use, do not copy, record, or redistribute KnowLay courses, coaching content, or other members’ materials outside the platform. Share your own insights, not pirated material. 5. Protect Privacy and Confidentiality What is shared in coaching or private groups should stay there. Do not screenshot or repost others’ personal stories or information without permission. Be thoughtful about what you share about yourself. 6. Stay On-Topic and Authentic • Use your real identity; do not impersonate others or operate fake accounts. • Keep posts relevant to the course or community space. • Do not manipulate ratings, reviews, or discussions. 7. Reporting and Enforcement If you see content or behavior that breaks these Guidelines, report it to us at [email protected]. We review reports and may, at our discretion, edit or remove content, issue warnings, mute, suspend, or permanently remove members, and take any action allowed under our Terms of Use. Serious or repeated violations may result in immediate termination without refund. 8. Changes We may update these Guidelines from time to time. We will post the revised version with a new “Last updated” date. Continued participation indicates acceptance. 9. Contact Questions or reports may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.

COOKIE POLICY

This Cookie Policy explains how J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”) uses cookies and similar technologies on our website and platform (the “Services”). It should be read together with our Privacy Policy. 1. What Are Cookies Cookies are small text files placed on your device when you visit a website. They help the site function, remember your preferences, and provide information to the site owner. We also use similar technologies such as pixels, local storage, and software development kits, which we refer to collectively as “cookies” in this Policy. 2. Types of Cookies We Use Strictly necessary cookies. Required for the platform to function, such as signing in, keeping your session active, and securing your account. These cannot be switched off in our systems. Functional cookies. Remember your choices and preferences, such as language and display settings, to improve your experience. Analytics cookies. Help us understand how visitors use the Services so we can improve content and performance. This data is typically aggregated. Marketing cookies. May be used to measure the effectiveness of campaigns and, where applicable, to show relevant content. We set these only with your consent where required. 3. Third-Party Cookies Some cookies are set by third-party providers we use, such as analytics, payment, and content-delivery services. These providers may process limited information in accordance with their own policies. We use trusted providers and require appropriate safeguards. 4. Your Choices and Consent Where required by law, we ask for your consent before placing non-essential cookies, and you can withdraw or change your consent at any time through our cookie banner or settings. You can also control cookies through your browser settings, including blocking or deleting them. Please note that disabling certain cookies may affect how the Services function. 5. How Long Cookies Last Session cookies are deleted when you close your browser. Persistent cookies remain for a set period or until you delete them. Retention periods vary by cookie and purpose. 6. Changes to This Policy We may update this Cookie Policy from time to time. We will post the revised version with a new “Last updated” date. 7. Contact Questions about this Cookie Policy may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.

DATA PROCESSING AGREEMENT

This Data Processing Agreement (“DPA”) forms part of the agreement (the “Agreement”) between the customer (the “Controller”) and J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”) (the “Processor”) for the provision of the KnowLay services (the “Services”). It applies where KnowLay processes personal data on behalf of a business customer and reflects the requirements of applicable data-protection laws, including the EU General Data Protection Regulation (“GDPR”) and the UK GDPR where relevant. 1. Definitions “Personal Data,” “Processing,” “Controller,” “Processor,” “Data Subject,” and “Supervisory Authority” have the meanings given in applicable data-protection law. “Subprocessor” means any third party engaged by the Processor to process Personal Data. 2. Roles and Scope The Controller determines the purposes and means of processing the Personal Data it submits to the Services. The Processor processes that Personal Data only on the Controller’s documented instructions, including as set out in the Agreement and this DPA, except where required by law (in which case the Processor will notify the Controller unless prohibited). 3. Subject Matter and Details of Processing • Subject matter: provision of the KnowLay Services. • Duration: for the term of the Agreement and until deletion or return of Personal Data as set out below. • Nature and purpose: hosting, delivering training and coaching, account management, and support. • Types of Personal Data: such as names, email addresses, account and learning data, and content submitted by users. • Categories of Data Subjects: the Controller’s authorized users, learners, and personnel. 4. Processor Obligations • Process Personal Data only on documented instructions from the Controller. • Ensure persons authorized to process Personal Data are bound by confidentiality. • Implement appropriate technical and organizational security measures (Section 6). • Assist the Controller, taking into account the nature of processing, with data subject requests and with security, breach notification, and data protection impact assessments. • Make available information necessary to demonstrate compliance and allow for audits as set out in Section 8. 5. Subprocessors The Controller provides general authorization for the Processor to engage Subprocessors (such as hosting, payment, analytics, and AI-service providers) to support the Services. The Processor will impose data-protection obligations on each Subprocessor that are substantially similar to those in this DPA and remains responsible for their performance. The Processor will make available a list of Subprocessors on request and give notice of intended changes, allowing the Controller a reasonable opportunity to object on reasonable data-protection grounds. 6. Security The Processor implements appropriate technical and organizational measures to protect Personal Data, which may include encryption in transit, access controls, network security, logical separation, and regular review. These measures take into account the state of the art, the costs of implementation, and the risks to Data Subjects. 7. International Transfers Where the Processor transfers Personal Data outside the country of origin (for example, from the EEA or UK), it will ensure an appropriate transfer mechanism applies, such as the European Commission’s Standard Contractual Clauses or the UK International Data Transfer Agreement, together with any supplementary measures required by law. 8. Audits The Processor will make available information reasonably necessary to demonstrate compliance with this DPA and will allow for and contribute to audits, including inspections, conducted by the Controller or an auditor it mandates, subject to reasonable notice, confidentiality, and the Processor’s security and operational requirements. Audits may be satisfied by providing relevant certifications or reports where available. 9. Data Subject Requests Taking into account the nature of the processing, the Processor will assist the Controller by appropriate technical and organizational measures, insofar as possible, to respond to requests by Data Subjects exercising their rights (such as access, rectification, erasure, restriction, portability, and objection). If the Processor receives such a request directly, it will, unless legally required to act, refer the Data Subject to the Controller. 10. Personal Data Breach The Processor will notify the Controller without undue delay after becoming aware of a Personal Data breach affecting the Controller’s Personal Data, and will provide information reasonably available to help the Controller meet its breach-notification obligations. 11. Return and Deletion On termination or expiry of the Agreement, the Processor will, at the Controller’s choice, delete or return the Personal Data it processes on the Controller’s behalf, and delete existing copies, unless retention is required by law. Deletion will occur within a reasonable period after termination. 12. Liability Each party’s liability under this DPA is subject to the limitations and exclusions of liability set out in the Agreement, to the extent permitted by applicable law. 13. Governing Law This DPA is governed by the law of the Agreement. Where required by data-protection law, the governing law and forum for matters concerning EEA or UK Personal Data will be as required by the applicable Standard Contractual Clauses or transfer mechanism. 14. Order of Precedence In the event of a conflict between this DPA and the Agreement regarding the processing of Personal Data, this DPA prevails. Otherwise, the Agreement remains in full force. 15. Signatures By signing the Agreement or this DPA, the parties agree to its terms. Controller (Customer) Name: ______________________________ Signature: ______________________________ Date: ____________ Processor: J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064 Name: ______________________________ Signature: ______________________________ Date: ___________

DMCA & COPYRIGHT POLICY

J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”) respects the intellectual property rights of others and expects users of the KnowLay Services to do the same. In accordance with the Digital Millennium Copyright Act (“DMCA”), 17 U.S.C. § 512, this Policy explains how to report claimed copyright infringement and how we respond. 1. Reporting Claimed Infringement (Takedown Notice) If you believe content on the Services infringes your copyright, send a written notice to our Designated Copyright Agent (below) that includes: • a physical or electronic signature of the copyright owner or a person authorized to act on their behalf; • identification of the copyrighted work claimed to have been infringed; • identification of the material that is claimed to be infringing, with enough detail for us to locate it (such as a URL); • your name, mailing address, telephone number, and email address; • a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and • a statement, under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorized to act on the owner’s behalf. 2. Our Response Upon receiving a valid notice, we will remove or disable access to the allegedly infringing material and make a reasonable effort to notify the user who posted it. We may also keep a record of the notice. 3. Counter-Notice If you believe your content was removed by mistake or misidentification, you may send a counter-notice to our Designated Agent that includes: • your physical or electronic signature; • identification of the material removed and the location where it appeared before removal; • a statement, under penalty of perjury, that you have a good-faith belief the material was removed by mistake or misidentification; • your name, address, and telephone number; and • a statement that you consent to the jurisdiction of the federal court in your district (or, if outside the United States, the district where KnowLay is located) and that you will accept service of process from the party who filed the original notice. If we receive a valid counter-notice, we may restore the material in 10 to 14 business days unless the original complainant notifies us that they have filed a court action seeking to restrain the activity. 4. Repeat Infringers We will, in appropriate circumstances and at our discretion, suspend or terminate the accounts of users who are repeat infringers. 5. Misrepresentations Under Section 512(f) of the DMCA, any person who knowingly materially misrepresents that material is infringing, or was removed by mistake, may be liable for damages. Submit notices in good faith. 6. Designated Copyright Agent Notices and counter-notices must be sent to our Designated Copyright Agent: Copyright Agent, J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States. Email: [email protected]. Telephone: [add business telephone]. Action item: register this Designated Agent with the U.S. Copyright Office (DMCA Designated Agent Directory) to qualify for safe-harbor protection, and add a business telephone number above (the Copyright Office requires a phone number for the registered agent). 7. Changes We may update this Policy from time to time. We will post the revised version with a new “Last updated” date.

REFUND & CANCELLATION POLICY

This Refund & Cancellation Policy explains the terms that apply to payments you make to J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”) for online courses, subscriptions, AI coaching, and human coaching (the “Services”). It forms part of, and should be read together with, our Terms of Use. 1. All Sales Are Final (No Refunds) All payments to KnowLay are non-refundable. Except where a non-waivable refund right is expressly required by applicable law, we do not provide refunds or credits for any course, subscription, AI coaching, or human coaching, whether or not you access, complete, or use what you have purchased. This applies to one-time purchases and to subscription payments, including partial billing periods. By completing a purchase you acknowledge that you receive immediate access to digital content and/or scheduling of coaching, that you request performance to begin immediately, and that you waive any cooling-off or cancellation right that would otherwise entitle you to a refund, to the maximum extent permitted by law. 2. Subscriptions and Auto-Renewal Subscription plans renew automatically at the then-current price until you cancel. You may cancel future renewals at any time through your account settings. Cancellation takes effect at the end of the current billing period: you keep access until that period ends, and you are not charged for the next period. Cancelling does not refund the current or any prior billing period. 3. Coaching Sessions Human coaching sessions are scheduled at the time of purchase or booking. Sessions that are missed, unattended, or cancelled by you with less than the required notice are forfeited and are not refundable or eligible for credit, unless we state otherwise in writing. Where a rescheduling window is offered, it will be shown at the time of booking. 4. Failed or Duplicate Charges If you are charged in error (for example, a duplicate charge or a technical billing error on our part), contact us within thirty (30) days and we will investigate and correct any genuine error. This is the only circumstance in which an adjustment may be issued, and it is not a general refund right. 5. Chargebacks If you believe a charge is incorrect, please contact us first so we can resolve it. Initiating a chargeback or payment dispute without contacting us may result in suspension or termination of your account. We reserve the right to contest chargebacks that conflict with this Policy. 6. Exceptions Required by Law Some jurisdictions provide consumers with mandatory refund or withdrawal rights that cannot be waived. Nothing in this Policy limits any right you have that cannot be excluded under applicable law. Where such a right applies, it prevails over the no-refund rule above to the extent required. 7. Changes to This Policy We may update this Policy from time to time. The version in effect at the time of your purchase governs that purchase. We will post any updated version with a new “Last updated” date. 8. Contact Questions about this Policy may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.

PRIVACY POLICY

This Privacy Policy explains how KnowLay (“we,” “us,” or “our”) collects, uses, shares, and protects your personal data when you use our online training, AI coaching, and human coaching services (the “Services”). By using the Services, you agree to the practices described here. 1. Data We Collect We collect the following categories of personal data: • Account data: name, email address, password, profile details, and country. • Payment data: billing information processed securely by our third-party payment providers (we do not store full card numbers). • Learning data: courses accessed, progress, quiz results, and engagement. • Coaching data: information you share with AI coaching tools or human coaches, including messages, goals, and session notes. • Technical data: IP address, device and browser type, log data, and cookie identifiers. • Communications: messages you send to our support team and your preferences. 2. How We Use Your Data We use personal data to: provide and operate the Services; create and manage your account; process payments; deliver AI and human coaching; personalize content and recommendations; communicate with you about your account, updates, and support; improve and secure the platform; and comply with legal obligations. Where required by law, we rely on your consent, the performance of our contract with you, our legitimate interests, or legal obligations as the basis for processing. 3. AI Coaching and Automated Processing Our AI coaching features may process the information and prompts you submit in order to generate responses, feedback, and recommendations. This processing may involve trusted third-party AI service providers who act on our behalf under contractual safeguards. Please avoid sharing sensitive personal information (such as health, financial-account, or government-identifier details) with the AI coach unless necessary. See our AI Coaching Disclaimer for the limitations of AI outputs. 4. How We Share Data We do not sell your personal data. We share it only with: service providers who help us operate the platform (hosting, analytics, payment processing, AI processing, communications); human coaches, to deliver the coaching you book; and authorities or third parties where required by law or to protect our rights, users, or the public. Any providers are bound by confidentiality and data-protection obligations. 5. International Transfers Because we and our providers may operate in multiple countries, your data may be transferred to and processed outside your country of residence. Where such transfers occur, we put in place appropriate safeguards (such as standard contractual clauses) to protect your data consistent with applicable law. 6. Data Retention We retain personal data for as long as your account is active and as needed to provide the Services, then for the period required to meet legal, accounting, or reporting obligations. When data is no longer needed, we securely delete or anonymize it. 7. Your Rights Depending on your location, you may have the right to access, correct, delete, or restrict processing of your personal data; to object to certain processing; to data portability; and to withdraw consent. Where applicable (for example, under the GDPR), you may also lodge a complaint with your local data-protection authority. To exercise any right, contact us using the details below. We will respond within the timeframe required by law. 8. Cookies and Tracking We use cookies and similar technologies to operate the platform, remember your preferences, analyze usage, and improve the Services. You can manage cookies through your browser settings; disabling some cookies may affect functionality. Where required, we obtain your consent before placing non-essential cookies. 9. Security We implement technical and organizational measures, such as encryption in transit, access controls, and secure hosting, to protect your data. No system is completely secure, however, and we cannot guarantee absolute security. You are responsible for keeping your login credentials confidential. 10. Children’s Privacy The Services are intended for adults and are not directed to children under 18. We do not knowingly collect personal data from children. If we learn that we have collected such data, we will delete it. 11. Changes to This Policy We may update this Policy from time to time. We will post the revised version with a new “Last updated” date and, where appropriate, notify you. Continued use of the Services after changes take effect indicates acceptance. 12. Contact For privacy questions or requests, contact: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States. If you are in a region with a designated data-protection officer requirement, list the DPO contact here

TERMS OF USE

Welcome to KnowLay. KnowLay is an online learning platform that provides self-paced training courses, AI-powered coaching, and live coaching delivered by human coaches (collectively, the “Services”). These Terms of Use (“Terms”) form a legally binding agreement between you (“you,” “user,” or “member”) and J&P Global LLC, doing business as KnowLay (“KnowLay,” “we,” “us,” or “our”). By creating an account, purchasing a course or coaching package, or otherwise using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and AI Coaching Disclaimer, which are incorporated by reference. 1. Eligibility and Accounts You must be at least 18 years old, or the age of majority in your jurisdiction, to use the Services. By registering, you represent that the information you provide is accurate and that you will keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately of any unauthorized use. Each account is personal to you and may not be shared, transferred, sold, or used by more than one person. 2. Description of the Services KnowLay offers: (a) pre-recorded and self-paced online courses; (b) AI coaching, in which automated tools provide guidance, feedback, and suggestions; and (c) human coaching sessions delivered by independent or affiliated coaches. The specific features, content, and availability of each offering may change over time. We may add, modify, suspend, or discontinue any part of the Services at any time. 3. Payment, Subscriptions, and Billing Certain Services require payment. Prices are displayed at the point of purchase and may be charged as one-time payments or recurring subscriptions. By providing a payment method, you authorize us (and our payment processors) to charge all applicable fees and taxes. Subscriptions renew automatically at the then-current price until you cancel. You may cancel future renewals at any time through your account settings; cancellation stops future charges but does not retroactively refund amounts already paid. 4. No Refunds All sales are final. Except where a non-waivable right to a refund is expressly required by applicable law, all payments for courses, subscriptions, AI coaching, and human coaching are non-refundable. This applies whether or not you access, complete, or use the content or sessions you have purchased, and whether the purchase was a one-time payment or part of a subscription. By completing a purchase you acknowledge and agree that: (a) you receive immediate access to digital content and/or scheduling of coaching upon payment; (b) you expressly request that performance of the Services begin immediately; and (c) to the maximum extent permitted by law, you waive any cancellation or “cooling-off” right that would otherwise entitle you to a refund. Missed, unattended, or unused coaching sessions are not refundable and are not eligible for credit unless we state otherwise in writing. Cancelling a subscription stops future billing but does not entitle you to a refund of the current or any prior billing period. Note: Some jurisdictions grant consumers mandatory refund or withdrawal rights that cannot be waived. Have local counsel confirm whether a limited statutory exception must be added for the markets you sell into. 5. Intellectual Property All content made available through the Services (including courses, videos, audio, text, worksheets, software, AI outputs, graphics, logos, trademarks, and the overall look and feel) is owned by KnowLay or its licensors and is protected by copyright, trademark, and other intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and view the content solely for your own personal, non-commercial learning, and only for as long as you maintain an active, paid account or valid licence. 6. No Copying or Redistribution You may not copy, reproduce, download (except where a download feature is expressly provided), record, screen-capture, republish, distribute, broadcast, sell, sublicense, rent, share, or otherwise make available any part of the Services or content to any third party. You also may not: • share your account, password, or access links with anyone else, or allow others to access the Services through your account; • reproduce or distribute course materials, recordings, or AI outputs by any means, including posting them online, in messaging groups, or on file-sharing services; • create derivative works from, reverse engineer, scrape, or use automated means to extract content from the Services; • remove, obscure, or alter any copyright, trademark, or proprietary notice; or • use the content to build, train, or improve any competing product, model, or service. Any unauthorized copying or sharing is a material breach of these Terms. We may immediately suspend or terminate your account without refund and pursue all available legal and equitable remedies, including injunctive relief and damages. 7. User Conduct You agree to use the Services lawfully and respectfully. You will not harass, abuse, or harm coaches, staff, or other users; upload unlawful, infringing, or harmful material; interfere with the security or operation of the platform; or misrepresent your identity. We may remove content and restrict access for conduct that violates these Terms. 8. Coaching Services Human coaching is provided for educational, motivational, and developmental purposes. Coaches are not acting as licensed therapists, physicians, attorneys, or financial advisors unless expressly stated, and coaching does not constitute professional advice. Scheduling, rescheduling, and session conduct are subject to the policies presented at the time of booking. AI coaching is subject to the separate AI Coaching Disclaimer. 9. Disclaimers The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or that any particular result, outcome, or benefit will be achieved from courses or coaching. 10. Limitation of Liability To the maximum extent permitted by law, KnowLay and its officers, employees, coaches, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising from your use of the Services. Our total aggregate liability for any claim relating to the Services will not exceed the amount you paid to KnowLay in the twelve (12) months preceding the event giving rise to the claim. 11. Indemnification You agree to indemnify and hold harmless KnowLay and its personnel from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Services, or your violation of any law or third-party right. 12. Termination We may suspend or terminate your access at any time, with or without notice, if you breach these Terms or for any other reason at our discretion. Upon termination, your licence to use the content ends immediately. Sections relating to intellectual property, no refunds, disclaimers, limitation of liability, and indemnification survive termination. 13. Changes to These Terms We may update these Terms from time to time. We will post the updated version with a new “Last updated” date and, where appropriate, notify you. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms. 14. Governing Law and Disputes These Terms are governed by the laws of the State of Texas, United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Services will be resolved exclusively in the state or federal courts located in Houston, Harris County, Texas, and you consent to the personal jurisdiction of those courts, unless otherwise required by applicable consumer-protection law. 15. Contact Questions about these Terms may be sent to: [email protected] or via our website at www.knowlay.com. J&P Global LLC (DBA KnowLay), 17350 State Hwy 249, Ste 220, Houston, TX 77064, United States.