TERMS OF SERVICE AI Frontrunners™ — Remote Sales Training TC Inc. Effective Date: September 7, 2026 Last Updated: September 7, 2026 IMPORTANT — PLEASE READ CAREFULLY. These Terms of Service contain (a) an ALL SALES FINAL / NO REFUND policy, (b) an ACKNOWLEDGMENT THAT NO INCOME, REVENUE, CLIENT-ACQUISITION, OR OTHER RESULTS ARE GUARANTEED, (c) a BINDING INDIVIDUAL ARBITRATION AGREEMENT AND CLASS ACTION WAIVER (Section 19), (d) a JURY TRIAL WAIVER, and (e) LIMITATIONS ON OUR LIABILITY. By registering for a webinar, creating an account, clicking "I agree," or purchasing or accessing the Program, you accept these Terms. If you do not agree, do not register, purchase, or access the Program. 1. Who We Are; Agreement to These Terms 1.1 The Company. The AI Frontrunners training program, the associated webinars, websites, sales calls, communities, live sessions, downloadable materials, tools, and all related services (collectively, the "Program" or "Services") are owned and operated by Remote Sales Training TC Inc., a corporation organized under the laws of the State of Florida, with a principal business address at 4901 4th Street N Ste 300, St Petersburg, FL 33702 ("Company," "we," "us," or "our"). "AI Frontrunners" is a brand and program name used by Company. 1.2 Binding Agreement. These Terms of Service ("Terms"), together with our Refund & Cancellation Policy, End User License Agreement ("EULA"), and Privacy Policy (each incorporated by reference), form a legally binding agreement between you and Company. In the event of a conflict, the following order of precedence applies: (i) any written order form or enrollment agreement signed by both parties; (ii) the Refund & Cancellation Policy (as to refunds, payment plans, and chargebacks); (iii) the EULA (as to use of Program content); (iv) these Terms; (v) the Privacy Policy. 1.3 How You Accept. You accept these Terms by doing any of the following: registering for or attending a webinar or event we host; booking or attending a call with us or our representatives; creating an account; clicking a box or button indicating agreement; submitting payment information; or accessing or using any portion of the Program. Your continued use after any update to these Terms constitutes acceptance of the updated Terms. 1.4 Electronic Contracting. You agree that clicking, tapping, typing your name, or otherwise indicating assent electronically constitutes your electronic signature and has the same legal effect as a handwritten signature, consistent with the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state law. We may retain records of your acceptance (including timestamp, IP address, device information, and the version of the Terms accepted) and you agree such records are admissible evidence of your agreement. 2. Definitions "Access Period" means the period during which you are entitled to access the Program, as stated at checkout. Where the checkout page states "lifetime access," "Lifetime Access" means access for so long as Company continues to commercially offer the Program in substantially similar form, and in any event no less than twelve (12) months from your Purchase Date, subject to your compliance with these Terms. "Live Support Period" means the period during which live coaching calls, Q&A sessions, community support, or similar live or interactive components are made available to you, as stated at checkout; if no period is stated, the Live Support Period is twelve (12) months from your Purchase Date. "Materials" means all content of any kind made available through the Program, including videos, recordings, audio, slides, scripts, templates, frameworks, prompts, checklists, worksheets, software, tools, AI agents or assistants, community posts by Company, and any updates or derivatives thereof. "Purchase Date" means the date your initial payment (or first installment) is successfully processed. "Student," "you," and "your" mean the individual or entity that registers for, purchases, or accesses the Program. "Third-Party Platforms" means services not owned by Company that we use to deliver the Program, including without limitation checkout and payment platforms (such as Commas and its payment processors), video conferencing (such as Zoom), community and course-hosting platforms, email and SMS providers, scheduling tools, and AI tool providers. 3. Eligibility; Business-Purpose Acknowledgment Remote Sales Training TC Inc. d/b/a AI Frontrunners | Terms of Service | Effective September 7, 2026 Page 1 of 9 3.1 Age and Capacity. You must be at least eighteen (18) years old (or the age of majority in your jurisdiction, if higher) and legally capable of entering into a binding contract. The Program is not directed to, and may not be purchased by or for, anyone under 18. 3.2 Business Purpose. You represent that you are purchasing the Program for the purpose of starting, operating, or improving a business, trade, profession, or occupation (specifically, learning to market and sell artificial-intelligence-related products, services, or implementations to businesses), and not primarily for personal, family, or household purposes. You acknowledge that this Program is professional and vocational training for entrepreneurs, sales professionals, consultants, and agency owners. 3.3 Entity Purchasers. If you purchase on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" includes both you individually and that entity, jointly and severally. Each individual who accesses the Program must be a separately licensed seat (see EULA). 3.4 Accurate Information. You agree to provide truthful, accurate, and complete information at registration and checkout and to keep it current. Providing false information (including a false name, address, or payment information) is a material breach and may constitute fraud. 3.5 Compliance. You represent that you are not located in, and are not a resident of, a country or region subject to comprehensive U.S. sanctions, and that you are not a prohibited or restricted party under U.S. law. 4. The Program 4.1 Description. AI Frontrunners is an educational training program that teaches strategies, frameworks, and skills related to identifying, prospecting, pitching, selling, and delivering artificial-intelligence-related products and services to businesses. The Program may include pre-recorded video modules, downloadable Materials, live group coaching or Q&A sessions, a private community, templates, scripts, tools, and other components as described at the time of purchase. 4.2 Educational Nature. The Program is purely educational and informational. Company does not (a) sell, place, or refer clients, customers, leads, accounts, or territories to you; (b) guarantee you will obtain any client, contract, income, or business result; (c) provide done-for-you services unless separately and expressly purchased under a written agreement; or (d) act as your employer, employment agency, business partner, franchisor, or business-opportunity seller. Your success depends entirely on your own effort, skill, judgment, market conditions, and factors beyond Company's control. 4.3 Changes to the Program. Company continuously improves the Program. We may, at any time and in our sole discretion, add, modify, replace, resequence, re-record, or remove Materials, modules, bonuses, tools, community features, live-session schedules, formats, instructors, and Third-Party Platforms, provided that the Program continues to address substantially the same core subject matter. Such changes do not entitle you to a refund, credit, or other compensation. 4.4 Live Components. Live sessions (coaching calls, Q&A, workshops, guest sessions) are scheduled at Company's discretion and may be rescheduled, canceled, combined, shortened, or delivered by a Company representative other than Timothy Chao. Company will make reasonable efforts to record live group sessions and make recordings available; a recording (or the opportunity to submit questions in advance or in the community) is a complete substitute for live attendance. Missing a live session, time-zone inconvenience, or inability to attend live is not grounds for a refund. 4.5 Bonuses and Promotional Items. Bonuses, limited-time additions, guest content, tools, software credits, and similar promotional items are provided "as is," have no independent cash value, may be changed or withdrawn at any time, and are not a material part of the consideration for your purchase. 4.6 Support. Support is provided via the channels we designate (typically email and the community) during our normal business hours. We do not guarantee response times. Support does not include one-on-one consulting, business coaching, technical implementation, legal, tax, or financial advice, or assistance selling to or servicing your clients unless expressly stated at checkout. 4.7 Third-Party Platforms. Delivery of the Program depends on Third-Party Platforms. You agree to comply with their terms. Company is not responsible for outages, changes, data loss, account actions, or discontinuation of any Third-Party Platform and may migrate the Program to alternative platforms at any time. 4.8 No Certification or Employment. Completion of the Program does not confer any degree, accreditation, professional license, certification recognized by any governmental or accrediting body, or guarantee of employment or engagement. 5. Accounts and Security 5.1 You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You may not share, sell, lend, or transfer your account or credentials. Notify us immediately at [email protected] of any unauthorized use. 5.2 Company may use technical measures (including watermarking, device fingerprinting, IP logging, concurrent-session limits, and access analytics) to detect unauthorized sharing. Access from an unreasonable number of devices or locations, or evidence of credential sharing, may result in suspension or termination without refund. Remote Sales Training TC Inc. d/b/a AI Frontrunners | Terms of Service | Effective September 7, 2026 Page 2 of 9 6. Pricing, Payment, and Payment Plans 6.1 Price. The price of the Program is the price displayed at checkout at the time of your purchase. Prices may change at any time without notice; price changes do not apply retroactively and do not entitle prior purchasers to refunds or credits. Promotional pricing, discounts, and coupons are subject to the terms stated at the time of the offer. 6.2 Authorization. By submitting payment information, you authorize Company (and our checkout and payment platform providers) to charge the payment method you provide for the full purchase price or for each installment under a payment plan, plus any applicable taxes and fees, on the schedule disclosed at checkout. You represent that you are the authorized holder of the payment method, or that you have the account holder's express permission, and that sufficient funds or credit are available. 6.3 Payment Plans Are Not Subscriptions. If you select a payment plan, you are purchasing the Program at the full stated price and agreeing to pay that price in the number of installments disclosed at checkout. A payment plan is an installment arrangement for a single, completed purchase — it is not a subscription, membership, or recurring service that can be canceled to avoid remaining installments. You are obligated to pay the full purchase price regardless of whether you access, use, or complete the Program, and regardless of whether you wish to stop participating. 6.4 Failed or Late Installments. If any installment fails, is declined, is reversed, or is not paid when due, Company may (a) retry the charge; (b) suspend or terminate your access until the account is current; (c) declare the entire remaining balance immediately due and payable ("acceleration"); (d) charge a late fee of $50 per missed installment or the maximum permitted by law, whichever is less; (e) refer the balance to a collection agency or attorney, in which case you agree to pay all reasonable costs of collection, including collection agency fees, attorneys' fees, and court or arbitration costs; and (f) report the delinquency as permitted by law. Suspension of access for non-payment does not extend your Access Period or Live Support Period. 6.5 Updating Payment Methods. You agree to keep your payment method current. You authorize Company and its payment providers to obtain updated card information from your card issuer (for example, through account-updater services) and to charge the updated card. 6.6 Taxes. Prices exclude applicable sales, use, VAT, GST, digital-services, withholding, and similar taxes, which are your responsibility, unless the checkout page states that tax is included. If Company is required to collect tax, it will be added at checkout. 6.7 Currency and Foreign Transaction Fees. Charges are processed in U.S. Dollars unless otherwise stated. You are responsible for any currencyconversion or foreign-transaction fees imposed by your bank or card issuer. 6.8 Checkout Platform. Payments are processed through Third-Party Platforms (including Commas and its underlying payment processors). Company does not store your full card number. Your use of the checkout platform is also subject to that platform's terms and privacy policy. 6.9 Pricing Errors. If a price is displayed in error, Company may cancel the transaction and refund any amount paid, or offer you the option to complete the purchase at the correct price. 7. Refunds, Cancellations, and Chargebacks 7.1 All Sales Final. ALL PURCHASES ARE FINAL AND NON-REFUNDABLE. Because the Program is a digital product to which you receive immediate access upon purchase, and because Company incurs delivery, platform, and staffing costs at the moment of enrollment, Company does not offer refunds, returns, exchanges, credits, or partial or prorated refunds for any reason, except as expressly set forth in the Refund & Cancellation Policy or as required by non-waivable law. The Refund & Cancellation Policy is incorporated into these Terms by reference. 7.2 Immediate Digital Delivery; Waiver of Withdrawal Rights. You expressly request and consent to immediate delivery of and access to the Program's digital content upon purchase. You acknowledge that, by requesting immediate access, you lose any statutory "cooling-off," "right of withdrawal," or cancellation right that might otherwise apply to distance or online purchases (including under the EU Consumer Rights Directive and the UK Consumer Contracts Regulations), to the fullest extent such rights may be waived. 7.3 Chargeback Covenant. You agree that the Refund & Cancellation Policy is the exclusive means of seeking any refund, credit, or payment adjustment, and that you will contact Company at [email protected] and allow at least ten (10) business days for resolution before contacting your bank, card issuer, or payment provider. You agree not to initiate a chargeback, payment dispute, or reversal (a "Dispute") for any reason addressed by these Terms or the Refund & Cancellation Policy, including dissatisfaction, change of mind, non-use, failure to achieve results, or inability to attend live sessions. Initiating a Dispute in violation of this Section is a material breach of contract. 7.4 Consequences of Improper Disputes. If you initiate a Dispute that is resolved in Company's favor, is withdrawn, or that Company reasonably determines to be without merit, you agree that Company may, in addition to any other remedy: (a) immediately terminate your access to the Program without refund; (b) charge you an administrative fee of $250 to compensate Company for its reasonable internal costs, plus any fees assessed by payment processors or card networks in connection with the Dispute; (c) accelerate and collect any unpaid balance; (d) pursue the disputed amount and all fees through arbitration, court (as permitted in Section 19), or collections, and recover its reasonable attorneys' fees and costs; (e) share information about the Dispute with payment processors, card networks, and fraud-prevention services; and (f) refuse future business with you. You authorize Company to provide your bank or card issuer with evidence of your purchase, your acceptance of these Terms, your access logs, and your communications with Company. Remote Sales Training TC Inc. d/b/a AI Frontrunners | Terms of Service | Effective September 7, 2026 Page 3 of 9 7.5 Evidence Retention. You acknowledge that Company maintains records including your checkout consent (timestamp, IP address, device data, and the exact policy text you agreed to), your account creation and login history, your content-access and download history, your community activity, your live-session attendance, and your correspondence, and that these records may be used to respond to any Dispute, complaint, or legal proceeding. 8. No Earnings or Results Guarantee; Educational Use Only 8.1 No Guarantee of Results. COMPANY MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT YOU WILL EARN ANY MONEY, ACQUIRE ANY CLIENTS, CLOSE ANY DEALS, ACHIEVE ANY LEVEL OF REVENUE OR PROFIT, RECOUP THE COST OF THE PROGRAM, OR ACHIEVE ANY PARTICULAR OUTCOME. Any examples, case studies, income figures, screenshots, testimonials, or statements regarding results of Company, Timothy Chao, other students, or third parties are illustrative only, reflect the specific circumstances and efforts of those individuals, are not typical, and are not a promise or prediction of your results. Many students earn nothing. Some students lose money on their businesses. Your results will depend on your background, experience, work ethic, sales ability, market, pricing, competition, economic conditions, the evolving AI industry, regulatory developments, and numerous other factors outside Company's control. 8.2 Forward-Looking Statements. Any statements about potential earnings, market size, industry trends, or future performance are forward-looking statements that reflect opinions and assumptions, may prove inaccurate, and should not be relied upon in making purchasing or business decisions. 8.3 Not Professional Advice. The Program provides general education. Nothing in the Program constitutes legal, tax, accounting, financial, investment, employment, immigration, regulatory, or other professional advice, and no professional-client relationship is created. Sales practices, AI deployment, data handling, marketing communications, and contracting are regulated activities in many jurisdictions; you are solely responsible for consulting qualified professionals and complying with all laws applicable to your business. 8.4 Your Business Is Your Own. You alone decide whether and how to apply anything you learn. Company has no control over, and no responsibility for, your business, your clients, your contracts, your pricing, your marketing, your use of AI tools, your compliance, or any product or service you sell or deliver. 8.5 Testimonials and Endorsements. Testimonials reflect the honest opinions and actual experiences of the individuals providing them, are not paid unless disclosed, and are not representative of all students. Where a testimonial reflects an exceptional result, the generally expected result is that a student's outcome will be materially less favorable. 8.6 Third-Party Tools and the AI Industry. The Program references and may provide access to third-party AI tools, models, platforms, and software. These are controlled by third parties, change frequently, may be discontinued, may produce inaccurate or harmful outputs, and are subject to their own terms. Company does not warrant the performance, availability, accuracy, or legality of any third-party tool or AI output. 9. Your Responsibilities and Conduct 9.1 Acceptable Use. You agree to use the Program only for its intended educational purpose and in compliance with all applicable laws. You will not: (a) share, sell, sublicense, publish, distribute, upload, or otherwise make available any Materials or your account access to any third party, including through "group buys," file-sharing, forums, or private messaging; (b) record, screen-capture, download (other than downloads expressly enabled by Company), scrape, mirror, or archive any Materials, live sessions, or community content; (c) use any Materials to create, market, or deliver a competing course, training, coaching program, mastermind, or educational product, or to train, fine-tune, or prompt any artificial-intelligence model or system; (d) remove, obscure, or alter any copyright, trademark, watermark, or proprietary notice; (e) reverse engineer, decompile, or circumvent any security, access-control, or content-protection measure; (f) harass, threaten, demean, defame, or discriminate against Company, its team, guests, or other students; (g) solicit, recruit, poach, or market to other students for any business, opportunity, program, or service without Company's prior written consent, or use student information obtained through the Program for any purpose outside the Program; (h) post or transmit spam, malware, unlawful content, or content that infringes any third party's rights; (i) impersonate any person or misrepresent your affiliation; (j) use the Program for any unlawful, deceptive, or fraudulent purpose, or to sell or deploy AI in a manner that violates applicable law; or (k) interfere with or disrupt the Program, ThirdParty Platforms, or other students' use. 9.2 Community Standards. Company's communities are professional environments. Company may moderate, edit, or remove any content and may suspend or remove any member, in its sole discretion, with or without notice. Removal from the community for violating these Terms does not entitle you to a refund. 9.3 Your Content. You retain ownership of content you post in Program communities or submit to Company ("Your Content"). You grant Company a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, modify, display, distribute, and create derivative works of Your Content in connection with operating, promoting, and improving the Program, subject to the Privacy Policy. You represent that you have all rights necessary to grant this license and that Your Content does not violate any law or third-party right. 9.4 Feedback. Any suggestions, ideas, or feedback you provide about the Program become Company's property and may be used without restriction or compensation. 10. Intellectual Property and License Remote Sales Training TC Inc. d/b/a AI Frontrunners | Terms of Service | Effective September 7, 2026 Page 4 of 9 10.1 Ownership. The Program and all Materials, including all copyrights, trademarks (including "AI Frontrunners"), trade secrets, know-how, methodologies, frameworks, scripts, designs, software, and other intellectual property, are and remain the exclusive property of Company and its licensors. Nothing in these Terms transfers any ownership interest to you. All rights not expressly granted are reserved. 10.2 License. Subject to your compliance with these Terms, the EULA, and full payment, Company grants you a limited, personal, non-exclusive, nontransferable, non-sublicensable, revocable license to access and view the Materials for your own internal educational use during the Access Period. The full scope of your license and all restrictions are set forth in the EULA. 10.3 Permitted Business Use of Frameworks. For clarity, you may apply the skills, strategies, sales frameworks, and script concepts taught in the Program in your own sales conversations, proposals, and business operations with your own prospects and clients. You may not, however, reproduce or distribute the Materials themselves, or teach, license, or resell the Program's content, methodology, or curriculum to others as training, coaching, or education. 10.4 Trademarks. You may not use the names "AI Frontrunners," "Remote Sales Training TC Inc.," "Tim Chao," or any Company logo or trademark in any manner that suggests affiliation, endorsement, certification, or partnership without Company's prior written consent. 10.5 Liquidated Damages for Unauthorized Distribution. You acknowledge that unauthorized copying, sharing, or distribution of Materials causes Company harm that is real but difficult to quantify, including lost sales, erosion of proprietary value, and enforcement costs. Accordingly, for each instance in which you share, sell, publish, or distribute Materials or account access in violation of these Terms, you agree to pay Company liquidated damages of $5,000 per instance, or Company's actual damages (including disgorgement of any revenue you earned from the violation), whichever is greater. The parties agree this amount is a reasonable pre-estimate of Company's probable loss and not a penalty. This Section does not limit Company's right to injunctive relief or any other remedy. 10.6 Copyright Infringement Notices. If you believe content on our Services infringes your copyright, send a notice compliant with 17 U.S.C. § 512(c)(3) to [email protected]. 11. Recording, Testimonials, and Publicity 11.1 Recording of Sessions. Live coaching calls, Q&A sessions, workshops, sales or enrollment calls, and community events may be recorded (audio, video, and chat) and transcribed. By participating, you consent to being recorded and to the recording being made available to other students, used for training Company personnel, and used for quality assurance and dispute resolution. If you do not wish to appear in a recording, keep your camera off, do not unmute, and refrain from posting in the chat; your participation is otherwise deemed consent. Company may also record enrollment and support calls for training, compliance, and evidentiary purposes; where required by law, you will be notified at the start of the call. 11.2 Testimonials and Likeness. You grant Company a perpetual, irrevocable, worldwide, royalty-free license to use your name, likeness, voice, image, business name, statements, results, screenshots you share, community posts, and any testimonial or review you provide (whether written, audio, or video) in Company's marketing, advertising, sales materials, websites, social media, and Program content, in any media now known or later developed, without further compensation, notice, or approval. Company will not materially alter the meaning of any statement you make. You may request that Company cease future use of a specific testimonial by emailing [email protected]; Company will use reasonable efforts to honor such requests within thirty (30) days but is not obligated to recall or remove previously published materials. 11.3 Truthfulness. Any testimonial or result you provide must be truthful and based on your actual experience. You agree to notify Company promptly if any result you have shared materially changes. 12. Communications; Email and SMS Consent 12.1 Transactional Communications. By purchasing or registering, you agree to receive transactional communications (receipts, access instructions, schedule changes, policy updates, payment reminders, account notices) by email, in-app message, and, if you provide a mobile number, by SMS. These communications are part of the Services and you may not opt out while you remain a Student, except that you may opt out of SMS by replying STOP. 12.2 Marketing Communications. Where you have provided consent at registration or checkout (such as by checking a box), you agree to receive marketing communications from Company by email and, if you have provided a mobile number and separately consented, by SMS and autodialed or prerecorded calls, including messages about Company's programs, events, and offers. Consent to marketing is not a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP to cancel SMS at any time, or HELP for help. You may unsubscribe from marketing emails via the link in any email. 12.3 Electronic Notices. You consent to receive all notices, disclosures, and agreements electronically. It is your responsibility to keep a working email address on file and to check it. Notice is deemed given when sent to the email address associated with your account. 13. Confidentiality Remote Sales Training TC Inc. d/b/a AI Frontrunners | Terms of Service | Effective September 7, 2026 Page 5 of 9 13.1 Company Confidential Information. The Materials, the methodology and structure of the Program, unpublished strategies, scripts, pricing, internal processes, and any non-public information disclosed to you constitute Company's confidential information and trade secrets. You agree to hold such information in strict confidence, to use it only as permitted by these Terms and the EULA, and not to disclose it to any third party during the Access Period or at any time thereafter. 13.2 Other Students' Information. Information shared by other students in communities or live sessions, including their business details, results, challenges, and contact information, is confidential. You may not share, publish, or use such information outside the Program, or contact other students for commercial solicitation, without their express consent. 13.3 Exceptions. Confidentiality obligations do not apply to information that is publicly available through no fault of yours, that you can demonstrate you possessed before disclosure, or that you are legally compelled to disclose (provided you give Company prompt notice and cooperate in seeking protective treatment where lawful). 14. Term, Suspension, and Termination 14.1 Term. These Terms are effective upon your first acceptance and continue until terminated as provided herein. 14.2 Termination by Company. Company may suspend or terminate your account and access to all or part of the Program immediately, with or without notice, if: (a) you breach these Terms, the EULA, the Refund & Cancellation Policy, or community standards; (b) any payment fails or a Dispute is initiated; (c) Company reasonably suspects fraud, unauthorized sharing, harassment, or unlawful conduct; (d) Company is required to do so by law or by a Third-Party Platform; or (e) Company discontinues the Program (in which case Company will provide reasonable notice and, where feasible, an opportunity to download permitted Materials, but no refund is owed except as required by non-waivable law). Termination for cause does not entitle you to any refund, and all unpaid amounts remain due. 14.3 Termination by You. You may stop using the Program at any time. Ceasing to use the Program does not terminate your payment obligations or entitle you to a refund. 14.4 Effect of Termination. Upon termination, your license and access end immediately, you must cease all use of the Materials and destroy any copies in your possession, and all amounts owed become immediately due. Sections 6 through 8, 9.3, 9.4, 10, 11, 13, and 14 through 24 survive termination. 15. Disclaimers of Warranties 15.1 TO THE FULLEST EXTENT PERMITTED BY LAW, THE PROGRAM, MATERIALS, AND SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. COMPANY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE. 15.2 COMPANY DOES NOT WARRANT THAT THE PROGRAM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, THAT ACCESS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE MATERIALS ARE FREE OF VIRUSES OR HARMFUL COMPONENTS, OR THAT ANY INFORMATION, STRATEGY, SCRIPT, TEMPLATE, OR AI OUTPUT IS ACCURATE, CURRENT, LAWFUL IN YOUR JURISDICTION, OR SUITABLE FOR YOUR BUSINESS. 15.3 NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM COMPANY, ITS PERSONNEL, GUESTS, OR THROUGH THE PROGRAM, CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. ANY STATEMENTS MADE IN WEBINARS, SALES CALLS, MARKETING, OR COMMUNITIES ARE NOT WARRANTIES AND ARE SUPERSEDED BY THESE TERMS. 15.4 Some jurisdictions do not allow the exclusion of certain warranties; in such jurisdictions, the above exclusions apply to the fullest extent permitted and any non-excludable warranty is limited in duration to thirty (30) days from the Purchase Date. 16. Limitation of Liability 16.1 EXCLUSION OF CERTAIN DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY, ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, INSTRUCTORS, GUESTS, AGENTS, AFFILIATES, LICENSORS, OR SUPPLIERS (THE "COMPANY PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, CLIENTS, GOODWILL, DATA, OR OPPORTUNITY, OR FOR BUSINESS INTERRUPTION OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE PROGRAM, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. Remote Sales Training TC Inc. d/b/a AI Frontrunners | Terms of Service | Effective September 7, 2026 Page 6 of 9 16.2 CAP ON LIABILITY. TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PROGRAM SHALL NOT EXCEED THE TOTAL AMOUNT YOU ACTUALLY PAID TO COMPANY FOR THE PROGRAM IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS ($100), WHICHEVER IS GREATER. 16.3 BASIS OF THE BARGAIN. YOU ACKNOWLEDGE THAT THE PRICING OF THE PROGRAM REFLECTS THE ALLOCATION OF RISK IN THIS SECTION AND SECTION 15, AND THAT COMPANY WOULD NOT OFFER THE PROGRAM ON THESE TERMS WITHOUT THESE LIMITATIONS. 16.4 YOUR BUSINESS DECISIONS. WITHOUT LIMITING THE FOREGOING, THE COMPANY PARTIES SHALL HAVE NO LIABILITY FOR ANY DECISION YOU MAKE OR ACTION YOU TAKE IN RELIANCE ON THE PROGRAM, INCLUDING ANY INVESTMENT IN YOUR BUSINESS, ANY CONTRACT WITH A CLIENT, ANY USE OR DEPLOYMENT OF AI TOOLS, ANY MARKETING OR OUTREACH ACTIVITY, OR ANY REGULATORY OR LEGAL CONSEQUENCE THEREOF. 16.5 Some jurisdictions do not allow certain limitations of liability; in such jurisdictions, the Company Parties' liability is limited to the fullest extent permitted by law. 17. Indemnification You agree to defend, indemnify, and hold harmless the Company Parties from and against any and all claims, demands, actions, damages, losses, liabilities, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to: (a) your breach of these Terms, the EULA, the Refund & Cancellation Policy, or applicable law; (b) Your Content; (c) your business activities, including your sales, marketing, outreach, contracts, and products or services you sell or deliver to any third party, and your use or deployment of AI tools; (d) any claim by your clients, prospects, employees, contractors, or partners; (e) your violation of any third party's rights, including intellectual property, privacy, publicity, telemarketing, or anti-spam rights; (f) your negligence or willful misconduct; or (g) any Dispute you initiate in violation of Section 7. Company may assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with Company's defense. You may not settle any claim without Company's prior written consent. 18. Release To the fullest extent permitted by law, you release the Company Parties from all claims, demands, and damages of every kind, known or unknown, arising out of or relating to your business results, your interactions with other students, guests, or third parties encountered through the Program, and your reliance on any Material or statement. If you are a California resident, you waive California Civil Code § 1542, which provides: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party." 19. Dispute Resolution — Binding Arbitration and Class Action Waiver PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. 19.1 Scope. This Section applies to any dispute, claim, or controversy between you and any Company Party arising out of or relating in any way to these Terms, the EULA, the Refund & Cancellation Policy, the Privacy Policy, the Program, any purchase or payment, any marketing or webinar, any communication (including calls, emails, and text messages), or the relationship between the parties, whether based on contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before, on, or after the Effective Date (each, a "Claim"). This Section survives termination. 19.2 Mandatory Informal Resolution. Before initiating arbitration or any court proceeding, the party asserting a Claim must send the other party a written Notice of Dispute describing the Claim, the facts, and the specific relief sought. Notices to Company must be sent to [email protected] and by mail to 4901 4th Street N Ste 300, St Petersburg, FL 33702, Attn: Legal. Notices to you will be sent to the email address on your account. The parties agree to engage in good-faith, personal, individualized negotiation (including at least one telephone or video conference between you personally and a Company representative, if either party requests) for at least sixty (60) days from receipt of the Notice. Any applicable statute of limitations is tolled during this period. Completion of this process is a condition precedent to arbitration or litigation, and a court or arbitrator may enjoin any proceeding filed without compliance. 19.3 Agreement to Arbitrate. If a Claim is not resolved informally, you and Company agree that the Claim shall be resolved exclusively by final and binding arbitration on an individual basis, rather than in court, except as provided in Sections 19.7 and 19.8. This agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and evidences a transaction involving interstate commerce. 19.4 Arbitration Procedure. The arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or, if the AAA determines they do not apply, its Commercial Arbitration Rules) then in effect, as modified by this Section. If the AAA is unavailable, the parties will select an alternative administrator or, failing agreement, a court will appoint one. The arbitration shall be conducted by a Remote Sales Training TC Inc. d/b/a AI Frontrunners | Terms of Service | Effective September 7, 2026 Page 7 of 9 single neutral arbitrator. Unless the parties agree otherwise, any in-person hearing will take place in Pinellas County, Florida, or, at your election, by video conference or in the county of your residence. Claims under $25,000 will be decided on the papers unless the arbitrator determines a hearing is necessary. The arbitrator (not any court) shall have exclusive authority to resolve all disputes regarding the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court shall decide any dispute regarding the enforceability or scope of Section 19.5 (Class Action Waiver). The arbitrator shall apply the governing law in Section 20, shall follow these Terms as a court would, may award only individualized relief, and shall issue a reasoned written award. Judgment on the award may be entered in any court of competent jurisdiction. 19.5 Class Action and Collective Relief Waiver. YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's Claims or preside over any form of class or representative proceeding, and may not award relief to or against anyone other than the individual parties. If this Section 19.5 is found unenforceable as to a particular Claim or request for relief, then that Claim or request (and only that Claim or request) shall be severed and litigated in court under Section 20, and all other Claims shall be arbitrated. 19.6 Fees. Payment of AAA filing, administrative, and arbitrator fees will be governed by the AAA rules. If you initiate arbitration in good faith and the Claim is for less than $10,000, Company will reimburse your filing fee upon request. Each party bears its own attorneys' fees and costs except where a statute or these Terms provide otherwise, or where the arbitrator determines that a Claim or defense was frivolous or brought for an improper purpose, in which case the arbitrator may award reasonable attorneys' fees and costs to the prevailing party. 19.7 Small Claims. Either party may bring an individual Claim in small claims court in the county of your residence or in Pinellas County, Florida if the Claim qualifies, remains in that court, and proceeds only on an individual basis. 19.8 Injunctive Relief for Intellectual Property and Confidentiality. Notwithstanding the foregoing, Company may seek temporary, preliminary, or permanent injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property, confidential information, or the security and integrity of the Program, without posting a bond and without first completing the informal-resolution process. 19.9 Mass Arbitration. If twenty-five (25) or more similar demands for arbitration are filed against Company by or with the assistance of the same or coordinated counsel within a ninety (90) day period, the parties agree that: (a) the demands shall be batched in groups of twenty-five (25); (b) the AAA shall administer each batch as a single consolidated arbitration with one arbitrator, one set of filing and administrative fees, and one hearing; (c) the parties shall cooperate in good faith to select bellwether batches; and (d) any statute of limitations shall be tolled for demands awaiting resolution of the initial batches. This Section is essential to the parties' agreement and is not severable. 19.10 Thirty-Day Right to Opt Out. You may opt out of this arbitration agreement (Sections 19.3 through 19.9) by sending a written notice to [email protected] within thirty (30) days after your first acceptance of these Terms, stating your full name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms, including the Class Action Waiver to the extent enforceable in court, the Jury Trial Waiver, and the governing law and venue provisions. 19.11 Jury Trial Waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND COMPANY EACH KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVE ANY RIGHT TO A TRIAL BY JURY. 19.12 Limitations Period. To the fullest extent permitted by law, any Claim must be filed within one (1) year after the Claim arose; otherwise, the Claim is permanently barred. 19.13 Changes to This Section. If Company changes this Section after you accept these Terms, you may reject the change by sending written notice to [email protected] within thirty (30) days of the change, in which case the version of this Section you last accepted will continue to govern. 20. Governing Law and Venue These Terms and any Claim shall be governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-laws principles, except that Section 19 is governed by the Federal Arbitration Act. Subject to Section 19, the state and federal courts located in Pinellas County, Florida shall have exclusive jurisdiction over any Claim, and you consent to personal jurisdiction and venue in those courts and waive any objection based on inconvenient forum. The United Nations Convention on Contracts for the International Sale of Goods does not apply. 21. Consumer Rights Notices 21.1 Non-Waivable Rights. Nothing in these Terms excludes, restricts, or modifies any right or remedy that cannot lawfully be excluded, restricted, or modified under the law applicable to you. Where any provision would be unenforceable against you as a consumer under mandatory law, that provision applies to you only to the extent permitted, and the remainder of these Terms continues in effect. 21.2 Honest Reviews. Nothing in these Terms prohibits you from posting or sharing your honest, good-faith assessment of the Program, or from communicating with regulators, law enforcement, or your card issuer where you are legally entitled to do so. We ask only that any review be truthful and not disclose Materials or other students' confidential information. Remote Sales Training TC Inc. d/b/a AI Frontrunners | Terms of Service | Effective September 7, 2026 Page 8 of 9 21.3 California Residents. Under California Civil Code § 1789.3, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210. You may contact Company at [email protected] or 4901 4th Street N Ste 300, St Petersburg, FL 33702. 21.4 EEA, UK, and Other Non-U.S. Consumers. If you are located outside the United States, you may have mandatory consumer rights under your local law. To the extent such rights apply to you and cannot be waived (including any right of withdrawal you have not validly waived under Section 7.2, or any statutory guarantee under the Australian Consumer Law), these Terms shall be read to comply with them, and the limitations in Sections 15 and 16 apply only to the extent permitted. 22. Changes to These Terms Company may modify these Terms at any time by posting the updated version and updating the "Last Updated" date. Material changes will be communicated by email or a notice within the Program. Changes become effective upon posting unless otherwise stated. Your continued access to or use of the Program after the effective date constitutes acceptance. If you do not agree to a change, your sole remedy is to stop using the Program; no refund is owed. Changes to Section 19 are subject to Section 19.13. 23. General Provisions 23.1 Entire Agreement. These Terms, the Refund & Cancellation Policy, the EULA, the Privacy Policy, and any checkout disclosures constitute the entire agreement between you and Company regarding the Program and supersede all prior or contemporaneous communications, proposals, representations, and agreements, whether oral or written, including any statements made in webinars, sales calls, advertisements, or social media. You acknowledge that you have not relied on any statement, promise, or representation not expressly set forth in these written documents. 23.2 Severability. Except as expressly provided in Sections 19.5 and 19.9, if any provision of these Terms is held invalid or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect. 23.3 No Waiver. Company's failure to enforce any provision is not a waiver of its right to do so later. Any waiver must be in writing and signed by an authorized officer of Company. 23.4 Assignment. You may not assign or transfer these Terms or your enrollment, by operation of law or otherwise, without Company's prior written consent. Company may assign these Terms freely, including to an affiliate or successor. 23.5 Force Majeure. Company is not liable for any failure or delay caused by circumstances beyond its reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, civil unrest, labor disputes, governmental action, utility or internet failures, Third-Party Platform outages or account actions, or the acts or omissions of third parties. 23.6 Relationship of the Parties. You and Company are independent contracting parties. Nothing in these Terms creates a partnership, joint venture, franchise, agency, fiduciary, or employment relationship. 23.7 No Third-Party Beneficiaries. Except for the Company Parties, who are intended beneficiaries of Sections 15 through 19, there are no third-party beneficiaries of these Terms. 23.8 Notices. Legal notices to Company must be sent to [email protected] with a copy by mail to 4901 4th Street N Ste 300, St Petersburg, FL 33702, Attn: Legal. Notices to you may be sent to the email address on your account. 23.9 Interpretation. Headings are for convenience only. "Including" means "including without limitation." No rule of construction against the drafter applies. If these Terms are translated, the English version controls. 23.10 Export Compliance. You agree to comply with all applicable export and sanctions laws and not to export, re-export, or provide access to the Materials in violation of such laws. 24. Contact Remote Sales Training TC Inc. d/b/a AI Frontrunners 4901 4th Street N Ste 300, St Petersburg, FL 33702 Support: [email protected] Legal notices: [email protected] Website: timchaoai.com BY CLICKING "I AGREE," COMPLETING A PURCHASE, OR ACCESSING THE PROGRAM, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS, THE REFUND & CANCELLATION POLICY, THE EULA, AND THE PRIVACY POLICY; THAT YOU HAVE HAD THE OPPORTUNITY TO CONSULT LEGAL COUNSEL; THAT YOU UNDERSTAND ALL SALES ARE FINAL; THAT NO RESULTS ARE GUARANTEED; AND THAT YOU AGREE TO RESOLVE DISPUTES THROUGH INDIVIDUAL BINDING ARBITRATION.