Terms of Use

All sales are final. No refunds. Once a payment plan begins, all remaining installments are due as scheduled.

Last updated: November 2026

Please read these Terms of Use carefully before using Our Service or making a purchase. These Terms contain a binding individual arbitration agreement, a class-action waiver, and a jury-trial waiver (see "Dispute Resolution; Binding Arbitration"). They also limit Our liability and require that claims be brought within one (1) year.

1. Interpretation and Definitions

Interpretation

Words with an initial capital letter have the meanings defined below. The definitions have the same meaning whether they appear in the singular or the plural. Headings are for convenience only and do not limit the text beneath them. "Including" means "including without limitation." A reference to any law, regulation, rule, or standard (including card-network rules and arbitration rules) means that law, regulation, rule, or standard as amended, replaced, or succeeded from time to time. A reference to a named third-party platform, tool, or provider includes any successor or replacement platform, tool, or provider that performs a similar function. These Terms are written to apply to all current and future formats of delivery, whether online, recorded, live-streamed, in-person, hybrid, or delivered through a website, mobile application, or any other technology.

Definitions

For the purposes of these Terms of Use:

· Account means a unique account created for You to access the Service or parts of the Service, including Your learner account on the Course Platform.

· Access Period means the limited period during which You may access a Course, as described in Section 6.

· Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for the election of directors or other managing authority.

· Company (referred to as "the Company," "We," "Us," or "Our") means Freedom Professional Seminars INC, 2845 Richmond Ave #131442, Staten Island, NY 10313, doing business as MSK Ultrasound Mastermind and Mastermind Academia.

· Content means text, images, video, audio, or other information that You post, upload, submit, link to, or otherwise make available through the Service.

· Country means New York, United States.

· Course means any online course, program, module, bundle, live or recorded webinar, or other educational offering that We make available, whether delivered online or in person.

· Course Materials means all content We or Our licensors provide in connection with a Course or the Service, including videos, lectures, recordings, slides, handouts, protocols, scanning techniques as presented, workbooks, quizzes, exams, images, ultrasound clips, booklets, and certificates, in any format.

· Course Platform means any platform, website, or application We use to host and deliver online Courses, as We may change from time to time (as of the last update of these Terms, Thinkific).

· Device means any device that can access the Service, such as a computer, mobile phone, or tablet.

· Feedback means feedback, ideas, innovations, or suggestions You send to Us about the Service.

· In-Person Course means any Course, workshop, lab, or hands-on training delivered at a physical location.

· Order means a request by You to purchase a Course or other product or service from Us.

· Payment Plan means any option to pay the price of a Course in more than one installment.

· Promotions means contests, sweepstakes, coupons, discounts, or other promotions offered through the Service.

· Service means the Website, the Course Platform as used to deliver Our Courses, Our Courses, and any related services We provide.

· Terms means these Terms of Use, together with any terms displayed at checkout and any Course-specific terms on the applicable sales page, which together form the entire agreement between You and the Company regarding the Service.

· Third-Party Social Media Service means any service or content (including data, information, products, or services) provided by a third party that may be displayed, included, or made available through the Service.

· Website means MSK Ultrasound Mastermind and Mastermind Academia, accessible from https://mskusmastermind.com and https://mastermindacademia.com, and any subdomains, successor domains, mobile applications, and other sites or channels that the Company operates and that link to or reference these Terms.

· You means the individual accessing or using the Service, or the company or other legal entity on whose behalf that individual is accessing or using the Service, as applicable.

2. Acknowledgment and Acceptance

These Terms govern Your use of the Service and form a binding agreement between You and the Company.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, learners, and others who access or use the Service.

Electronic acceptance. You accept these Terms by (a) checking the box at checkout or registration indicating that You agree to these Terms, (b) completing a purchase, or (c) accessing or using the Service. You agree that checking that box has the same legal effect as a handwritten signature, and that these Terms and all related notices may be provided to You electronically, consistent with the federal Electronic Signatures in Global and National Commerce Act and the New York Electronic Signatures and Records Act. If You do not agree to these Terms, do not purchase from Us or use the Service.

Age. You represent that You are at least 18 years of age. The Service is not directed to, and may not be used by, anyone under 18.

Privacy. Your use of the Service is also subject to Our Privacy Policy, which describes how We collect, use, and disclose personal information. Please read it carefully.

3. Placing Orders

By placing an Order, You represent and warrant that You are legally capable of entering into binding contracts.

Your Information

When You place an Order, You may be asked for information such as Your name, email address, phone number, payment card details, billing address, professional credentials, and (for In-Person Courses) other registration details.

You represent and warrant that (i) You have the legal right to use any credit card, debit card, or other payment method You use for an Order, and (ii) all information You provide is true, correct, and complete.

By submitting this information, You authorize Us to provide it to Our payment processors and the Course Platform to complete and administer Your Order.

Right of Refusal

We are a private organization. We reserve the right to refuse the sale of any product or service to any person or entity, for any lawful reason, without explanation.

Order Cancellation by the Company

We may refuse or cancel an Order at any time, including for: availability of a Course; errors in the description or price of a Course; errors in Your Order; or suspected fraud, unauthorized use of a payment method, or an illegal transaction. If We cancel an Order before You have received any access to the purchased Course, We will reverse any amount charged for that Order. This is the only circumstance in which the Company issues a reversal, and it is a Company-initiated cancellation, not a refund right of the purchaser.

4. All Sales Final; No Refunds; No Cancellations

All sales are final. Because Courses provide immediate access to digital Course Materials, and seats in In-Person Courses are limited and reserved for You, no refunds, credits, exchanges, or cancellations are available for any purchase, for any reason, including (without limitation) change of mind, failure to start, finish, or use a Course, schedule conflicts, dissatisfaction with content or format, technical issues on Your side, lack of a compatible Device or ultrasound equipment, failure to pass any exam, failure to obtain any credential or continuing education credit, or termination of Your Account for breach of these Terms.

No cancellation of Payment Plans. A Payment Plan is a method of paying a single, fixed purchase price over time. It is not a subscription and cannot be cancelled. Once the first installment is paid, You owe the full purchase price, and all remaining installments are due as scheduled, whether or not You access or complete the Course.

You acknowledge that this no-refund policy was clearly disclosed to You before purchase, including at the top of these Terms and at checkout, and that You agreed to it by checking the acceptance box and completing Your purchase.

Waiver of statutory withdrawal rights (EU, UK, and similar laws). If You reside in the European Union, the European Economic Area, the United Kingdom, or any other jurisdiction that grants consumers a right to withdraw from or cancel a purchase of digital content or services, You expressly request that access to the Course begin immediately upon purchase, and You acknowledge and agree that You thereby lose any right of withdrawal or cancellation once access to the Course Materials has been made available to You. For In-Person Courses and any services, You expressly request that performance begin within any withdrawal period and acknowledge that You lose any right of withdrawal once the service has been fully or partly performed, to the fullest extent permitted by law.

Nothing in this Section limits any right that applicable law expressly makes non-waivable. Where such a right applies, it will be honored only to the minimum extent the law requires.

5. Prices, Payments, and Payment Plans

Prices

Prices are shown in U.S. dollars and are stated on the applicable sales or checkout page. We may change prices at any time before We accept an Order. A price change does not affect an Order We have already accepted. You are responsible for any taxes that apply to Your purchase.

Payment Methods

Payment may be made by the methods available at checkout, which may include Visa, Mastercard, American Express, Discover, other cards, digital wallets, and online payment services. Payments are processed by third-party payment processors We select from time to time.

· Current payment processors: Thinkific Payments (powered by Stripe), Stripe, and PayPal.

· Payment methods and processors We may use: including, but not limited to, Square payments, Authorize.net, Apple Pay, Google Pay, PayPal Pay Later, and other card, bank, or digital-wallet payment services.

· Buy-now-pay-later (BNPL) and financing options We may offer: including, but not limited to, Klarna, Affirm, and Afterpay.

Each reference to a named processor or provider includes its affiliates and any successor or replacement product or company. We may adopt, add, replace, or discontinue, at any time and without updating these Terms, any payment method, processor, or BNPL or financing option named in this Section, and any other provider that performs a similar function. By accepting these Terms, You consent to Our use of any such provider to process Your payments, and You agree that these Terms as written, including the no-refund policy, the Payment Plan authorization, and the chargeback provisions, apply in full to every payment made through any of them.

Third-party financing. If You pay through a BNPL or financing provider, Your repayment agreement is with that provider and is governed by its terms; the Company receives payment from the provider and is not a party to Your loan or installment agreement. A BNPL purchase is a completed sale for purposes of these Terms, and the no-refund policy in Section 4 applies in full. Any dispute about the financing itself must be raised with the provider. Payment Plans offered directly by the Company (Section 5, "Payment Plan Authorization") are separate from third-party BNPL options. Payment cards are subject to validation and authorization by the card issuer. If We do not receive the required authorization, We are not liable for any delay in or denial of access.

Payment Plan Authorization

If You select a Payment Plan, You authorize the Company, the Course Platform, and Our payment processors to automatically charge the payment method You provide (or any updated or replacement payment method) for each installment, in the amounts and on the dates shown at checkout, until the full purchase price is paid. This authorization remains in effect until all installments are paid and cannot be revoked to avoid payment of amounts owed. You agree to keep Your payment information current. If Your card is replaced or updated, You authorize Us to use the updated card details provided by the card network's updater service, where available.

The number of installments, installment amount, and schedule are disclosed at checkout and form part of these Terms. You will receive an electronic receipt for each charge.

Failed Payments

If any installment fails for any reason:

1. Your access to the Course and any related Courses or materials may be suspended immediately and without further notice until all past-due amounts are paid in full;

2. We may retry the charge on the payment method on file and may send You an electronic invoice requiring payment by a stated date;

3. Suspension does not extend Your Access Period, and the Access Period continues to run during any suspension; and

4. The entire remaining balance of the purchase price remains owed and collectible. If an installment remains unpaid for 30 days after its due date, We may declare the full remaining balance immediately due, terminate Your Account, and pursue collection, including by referring the balance to a collection agency or bringing a claim in small-claims court. To the extent permitted by law, You agree to pay reasonable costs of collection, including reasonable attorneys' fees.

Chargebacks and Payment Disputes

Before filing a chargeback or payment dispute with Your bank, card issuer, or payment service, You agree to contact Us at [email protected] so that We can try to resolve the issue.

If You file a chargeback or payment dispute for any charge that was authorized under these Terms:

1. Your Account and access to all Courses may be terminated immediately, without refund;

2. The full unpaid balance of the purchase price, plus any chargeback, dispute, or processor fees We incur, remains owed, to the extent permitted by law; and

3. We may submit these Terms, Your checkout acceptance, Your Course login and progress records, IP address and access logs, receipts, and communications to the card issuer or payment service as evidence that the charge was authorized and the service was delivered.

This Section does not prevent You from disputing a charge You genuinely did not authorize or that resulted from fraud or a billing error. Report suspected unauthorized charges to Us promptly.

Coupons and Promotions

Coupons, discounts, sales, and other Promotions are offered at the Company's sole discretion, may be limited in time or quantity, may be withdrawn at any time, and cannot be combined unless We state otherwise. A coupon must be applied at the time of purchase. We do not make retroactive price adjustments, partial refunds, or credits if a Course is later offered at a lower price, with a coupon, as part of a bundle, or on a different Payment Plan. Coupons have no cash value and may not be sold or transferred.

Any Promotion may be governed by separate rules. If those rules conflict with these Terms, the Promotion rules control for that Promotion only.

6. Time-Limited Course Access

All Courses are sold with time-limited access only. No Course includes lifetime access unless the sales page expressly says so in writing.

· One-time payment purchases: The Access Period stated on the Course sales page or at checkout begins on the date You first start the Course (that is, the first time You open any lesson in the Course on the Course Platform).

· Payment Plan purchases: The Access Period begins on the date of purchase (the date of the first installment), whether or not You start the Course. For example, as of the last update of these Terms, a "30-Day" Payment Plan includes 60 days of access from purchase, and a "90-Day" Payment Plan includes 120 days of access from purchase. Plan names, installment schedules, and Access Periods may change for future offers; the Access Period and Payment Plan terms shown on the sales page or checkout at the time of Your purchase control for that purchase.

When the Access Period ends, Your access ends. You agree that after the Access Period expires You will have no further access to the Course or its Course Materials, even if You did not finish the content, did not complete required quizzes or exams, or did not earn a certificate or continuing education credit. The Company does not owe any extension, reinstatement, refund, or credit for unused access. Any extension We choose to grant is a one-time courtesy at Our sole discretion and does not create an obligation to grant any other extension.

Access may be suspended during the Access Period as described in Section 5. You are responsible for planning Your time, downloading any certificate You earn before the Access Period ends, and keeping Your own records of completion.

7. Equipment and Technical Requirements

You are solely responsible for supplying Your own ultrasound scanner, probes, gel, computer, Device, internet connection, and any other equipment or software needed to practice the skills taught or to participate in a Course, unless a Course sales page expressly states that equipment will be provided. The Company is not responsible for Your inability to access, use, or benefit from a Course because of equipment, software, connectivity, or compatibility issues. The lack of equipment is not grounds for a refund.

8. In-Person Courses

Scheduling and Company Cancellation

Dates, times, locations, instructors, and agendas for In-Person Courses may change. If the Company cancels or postpones an In-Person Course for any reason, including low enrollment, instructor unavailability, venue issues, or events beyond Our control, Your sole and exclusive remedy is, at the Company's election, (a) a seat in a rescheduled session of the same Course or (b) a credit equal to the amount You paid, which may be applied toward a future Course within 12 months of the cancelled date, except where a refund is required by applicable law. The Company is not responsible for travel, lodging, lost income, or any other costs You incur.

If You cannot attend, You may not cancel or obtain a refund. You may ask Us in writing, at least 14 days before the Course, to transfer Your seat to another qualified professional; We may approve or decline the request at Our discretion.

Assumption of Risk

In-Person Courses involve hands-on scanning, movement around equipment and cables, prolonged standing or sitting, repetitive motions, physical contact with other participants and models, use of gel and cleaning agents, travel, and shared spaces where communicable illness may be present. You understand these risks and voluntarily assume all risks of injury, illness, property loss, or damage arising from Your travel to, attendance at, and participation in an In-Person Course, including risks arising from the acts or omissions of other participants.

Release and Waiver of Liability

To the fullest extent permitted by law, You release, waive, and discharge the Company and its owners, officers, employees, instructors, contractors, Affiliates, and venue hosts (the "Released Parties") from any and all claims, liabilities, and damages for injury, illness, death, loss, or property damage arising out of or related to Your participation in an In-Person Course, including claims based on the ordinary negligence of a Released Party. This release does not apply to gross negligence, willful misconduct, or any liability that cannot be released under applicable law.

Scanning Models and Incidental Findings

If You volunteer to be scanned, You do so voluntarily and may stop at any time. Scanning in a Course is for educational demonstration only and is not a medical examination. No images obtained in a Course are reviewed for diagnostic purposes, and no provider-patient relationship is formed. If an apparent abnormality is observed, it will not be interpreted or followed up by the Company; You are responsible for seeking care from Your own healthcare provider.

Conduct, Fitness, and Photography

You confirm that You are physically able to participate and will follow instructor and venue instructions. We may remove anyone whose conduct is unsafe, disruptive, or in breach of these Terms, without refund. Recording In-Person Courses is prohibited without Our written consent. We may photograph or record In-Person Courses, and You consent to Our use of images or recordings in which You appear for educational and promotional purposes, without compensation. If You do not want Your image used, notify Us in writing before the Course and We will use reasonable efforts to honor Your request.

9. Educational and Medical Disclaimer

Educational purpose only. All Courses and Course Materials are provided for professional education and general informational purposes only. They are not medical advice and are not a substitute for formal clinical training, supervised clinical experience, or the judgment of a qualified, licensed healthcare professional.

No guarantee of results. The Company does not guarantee, represent, or warrant that completing any Course will result in: passing any examination (including any registry or credentialing exam such as the RMSK or similar); obtaining or maintaining any license, certification, credential, or privilege; acceptance of continuing education hours or credits by any licensing board, credentialing body, employer, or other organization; employment, promotion, reimbursement, or income; or any particular level of skill, competence, or clinical outcome. Continuing education approvals, where stated, apply only as described on the Course page, and You are solely responsible for confirming with Your own board or organization whether a Course will be accepted. Exam formats, eligibility requirements, and board rules are set by third parties and may change at any time.

Your scope and clinical responsibility. You are solely responsible for Your own clinical practice, including determining whether diagnostic or interventional musculoskeletal ultrasound is within Your legal scope of practice in Your jurisdiction, obtaining all required training, supervision, licensure, and credentialing, following Your employer's and facility's policies, and exercising independent professional judgment for every patient. Techniques, protocols, measurements, and opinions presented in a Course reflect the instructors' educational views at the time of recording, may not reflect current standards, and may not be appropriate for a particular patient or setting.

No provider-patient relationship. Nothing in the Service creates a doctor-patient, therapist-patient, or other provider-patient relationship between the Company (or any instructor) and You or any other person. The Company does not diagnose, treat, cure, or prevent any disease. Do not submit questions about a specific patient's care expecting clinical advice. Comments by instructors, employees, or other users are educational opinions only and are not claims or positions of the Company.

Do not upload protected health information. You must not upload, post, or send to Us or the Course Platform any image, clip, or information that identifies a patient, or any protected health information, unless it is fully de-identified in accordance with applicable law. You are solely responsible for complying with HIPAA and all other privacy laws that apply to You.

Assumption of responsibility. You assume full responsibility for any use of the information in the Course Materials and for any claims, losses, or damages that result from that use. The information is not comprehensive and does not cover all conditions, anatomy, or techniques.

10. User Accounts

When You create an Account, You must provide accurate, complete, and current information. Failure to do so is a breach of these Terms and may result in immediate termination of Your Account.

Your Account is for one individual only. You are responsible for safeguarding Your password and for all activity under Your Account. You may not share Your login credentials or allow anyone else to access Your Account, and You may not access another person's Account. You must notify Us immediately of any breach of security or unauthorized use. We may monitor Account activity (including login locations, devices, and simultaneous sessions) to detect sharing or misuse.

You may not use as a username the name of another person or entity, a name or trademark You are not authorized to use, or a name that is offensive, vulgar, or obscene.

11. Intellectual Property and License

Ownership

The Service, the Course Materials, and all original content, features, and functionality (excluding Content provided by You or other users) are and remain the exclusive property of the Company and its licensors, and are protected by copyright, trademark, trade secret, and other laws of the United States and other countries. MSK ULTRASOUND MASTERMIND® and Our other names, logos, and trade dress may not be used in connection with any product or service without Our prior written consent. All rights not expressly granted are reserved.

Limited License

Subject to Your compliance with these Terms and payment of all amounts owed, the Company grants You a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view the Course Materials for the Course You purchased, during the Access Period only, solely for Your own individual, non-commercial professional education. Purchase of a Course is purchase of this license, not purchase of the Course Materials.

Prohibited Uses

Without the Company's prior written consent, You may not, and may not permit or help anyone else to:

1. share Your login credentials or Account, or allow any other person to view or use the Course Materials;

2. record, screen-capture, screen-record, photograph, download, scrape, copy, or otherwise reproduce any Course Materials, by any means, except for any file We expressly mark as downloadable for Your personal use;

3. distribute, publish, post, upload, stream, broadcast, display, or make available any Course Materials, including on websites, file-sharing services, social media, group chats, or internal employer networks;

4. sell, resell, rent, lend, sublicense, or transfer any Course Materials or Your access;

5. use the Course Materials to teach, train, lecture, present, or tutor others, or to create, develop, or deliver any course, workshop, curriculum, video, book, or other educational product or service, whether paid or free;

6. modify, translate, adapt, or create derivative works from any Course Materials;

7. input, upload, or feed Course Materials into any artificial intelligence, machine-learning, large language model, transcription, or similar automated tool or service, now known or later developed, whether to train a model or to generate transcripts, summaries, copies, translations, or derivative content;

8. remove or alter any copyright, trademark, or other notice; or

9. circumvent any access control, time limit, or technical protection on the Service; or

10. use any bot, scraper, browser extension, or other automated means, now known or later developed, to access, copy, or extract any part of the Service.

Non-Use and Teaching Covenant

You agree and covenant that You will not use or teach any of the Company's Course Materials, or any portion of them, or any course or program derived from them, without the Company's prior written consent. This covenant applies worldwide and continues after the Access Period ends and after any termination of these Terms. This covenant protects the Company's copyrighted and proprietary Course Materials only. It does not restrict You from practicing Your profession, from using in Your own clinical practice the general knowledge and skills You learn, or from working for any employer, and You agree that it will not adversely affect Your livelihood.

Remedies for Violation

Any violation of this Section 11 is a material breach of these Terms. If You violate this Section, then, in addition to any other remedy available to the Company:

1. the Company may immediately terminate Your Account and all access, without refund, and any unpaid balance remains owed;

2. You agree that the violation would cause the Company irreparable harm for which money damages alone would be inadequate, and that the Company is entitled to temporary, preliminary, and permanent injunctive relief and specific performance in any court of competent jurisdiction, without posting a bond to the extent permitted by law;

3. the Company may recover its actual damages, any profits You obtained, and any statutory damagesavailable under applicable law, including the U.S. Copyright Act and the Lanham Act; and

4. the prevailing party in any action to enforce this Section is entitled to recover its reasonable attorneys' fees and costs.

12. Content You Post

Your Right to Post Content

The Service may allow You to post Content, such as comments, assignments, questions, discussion posts, images, or testimonials. You are responsible for the Content You post, including its legality, reliability, and appropriateness.

By posting Content, You grant the Company a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable, and sublicensable license to use, modify, publicly perform, publicly display, reproduce, and distribute that Content in connection with the Service and the Company's business, including making it available to other users. You retain any ownership rights You have in Your Content. If You provide a testimonial or review, You authorize Us to use it, along with Your name, professional title, and likeness as You provided them, in Our marketing.

You represent and warrant that (i) You own the Content or have the right to use it and grant these rights, and (ii) posting it does not violate the privacy, publicity, copyright, contract, or other rights of any person, including patient privacy rights.

Content Restrictions

The Company is not responsible for the Content of users. You are solely responsible for Your Content and for all activity under Your Account, whether by You or any other person.

You may not post Content that is unlawful, offensive, threatening, libelous, defamatory, obscene, or otherwise objectionable, including Content that:

· is unlawful or promotes unlawful activity;

· is defamatory, discriminatory, or mean-spirited, including toward any group based on religion, race, sexual orientation, gender, national or ethnic origin, or other protected characteristic;

· is spam, machine- or randomly-generated, unauthorized advertising, chain letters, solicitation, lottery, or gambling;

· contains viruses, worms, malware, trojan horses, or other harmful code;

· infringes any patent, trademark, trade secret, copyright, right of publicity, or other right;

· impersonates any person or entity, including the Company and its employees or representatives;

· violates the privacy of any person, including any patient; or

· contains false information.

The Company may, but has no obligation to, determine in its sole discretion whether Content is appropriate and complies with these Terms, and may refuse, edit, or remove Content and limit or revoke Your use of the Service. Because the Company cannot control all Content posted by users and third parties, You use the Service at Your own risk, and the Company is not liable for any Content, including errors or omissions in it, or for any loss or damage resulting from its use.

Content Backups

The Company does not guarantee that there will be no loss or corruption of Content and has no liability for the integrity of Content or the failure to restore it. You agree to keep a copy of any Content You wish to retain in a location independent of the Service.

13. Copyright Policy

Intellectual Property Infringement

We respect the intellectual property rights of others and respond to claims that Content on the Service infringes a copyright or other intellectual property right.

If You are a copyright owner, or authorized to act for one, and believe that copyrighted work has been copied in a way that constitutes infringement through the Service, send written notice to Our copyright agent at [email protected] or by mail to the address in "Contact Us," with a detailed description of the alleged infringement.

You may be held liable for damages (including costs and attorneys' fees) for misrepresenting that any Content is infringing.

DMCA Notice and Procedure

You may submit a notification under the Digital Millennium Copyright Act (DMCA) by providing Our copyright agent with the following in writing (see 17 U.S.C. § 512(c)(3)):

· an electronic or physical signature of the person authorized to act on behalf of the copyright owner;

· a description of the copyrighted work You claim has been infringed;

· identification of the URL or other location on the Service where the allegedly infringing material is located;

· Your address, telephone number, and email address;

· a statement that You have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

· a statement, made under penalty of perjury, that the information in Your notice is accurate and that You are the copyright owner or authorized to act on the owner's behalf.

On receiving a notice, the Company will take whatever action it deems appropriate in its sole discretion, including removing the challenged Content.

14. Your Feedback to Us

You assign to the Company all rights, title, and interest in any Feedback You provide. If that assignment is ineffective for any reason, You grant the Company a non-exclusive, perpetual, irrevocable, royalty-free, worldwide right and license to use, reproduce, disclose, sublicense, distribute, modify, and exploit the Feedback without restriction or compensation.

15. Links to Other Websites and Third-Party Platforms

The Service may contain links to, or be delivered through, third-party websites or services that the Company does not own or control, including the Course Platform, payment processors, video-conferencing tools, and social media. The Company has no control over, and assumes no responsibility for, their content, availability, privacy policies, or practices, and is not liable for any damage or loss caused by Your use of or reliance on them. Their own terms and privacy policies apply. Outages or changes on a third-party platform do not entitle You to a refund or extension.

16. Termination

The Company may suspend or terminate Your Account and access to any or all Courses at any time, at its sole discretion, with or without notice, including if You breach these Terms, fail to pay any amount owed, file a chargeback, share Your Account, or engage in conduct that We believe harms the Company, its instructors, or other users. Termination for Your breach does not entitle You to any refund, and all amounts owed remain due.

If We discontinue a Course for business reasons while You are within an unexpired, paid Access Period and You are not in breach, We will, at Our election, provide access to substitute content of comparable scope or a credit toward another Course for the unused portion.

On termination, Your right to use the Service ends immediately. You may stop using the Service at any time, but doing so does not end Your payment obligations. Sections that by their nature should survive termination will survive, including Sections 4, 5 (as to amounts owed), 9, 11, 12, 14, and 17 through 24.

17. Disclaimers

General Disclaimer

The information on the Service is for general information and professional education purposes only. The Company assumes no responsibility for errors or omissions in the Service, and may add to, delete, or change content on the Service, including Course Materials, at any time without notice. The Company does not warrant that the Service is free of viruses or other harmful components.

"AS IS" and "AS AVAILABLE" Disclaimer

THE SERVICE AND ALL COURSE MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND DEFECTS, WITHOUT WARRANTY OF ANY KIND. To the maximum extent permitted by applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and warranties arising from course of dealing, course of performance, usage, or trade practice. Without limiting the foregoing, the Company makes no warranty or representation that the Service will meet Your requirements, achieve any intended result, be compatible with any other software or system, operate without interruption, meet any performance or reliability standard, or be error-free, or that errors or defects will be corrected.

Without limiting the foregoing, neither the Company nor any of its providers makes any representation or warranty, express or implied: (i) as to the operation or availability of the Service or the information, content, materials, or products on it; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content; or (iv) that the Service, its servers, its content, or emails sent by or for the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs, or other harmful components.

Errors and Omissions; Use at Your Own Risk

The information on the Service is for general guidance only. Although the Company takes care to keep content current and accurate, errors can occur, and clinical knowledge, guidelines, laws, and exam requirements change. The Company is not responsible for any errors or omissions or for results obtained from the use of the information. All information is provided with no guarantee of completeness, accuracy, timeliness, or results, and the Company is not liable to You or anyone else for any decision made or action taken in reliance on it.

No Professional Advice

The Company is not engaged in rendering legal, medical, or other professional advice through the Service. The Service is not a substitute for consultation with qualified medical, legal, or other professional advisers.

Views Expressed

The Service may contain views and opinions of instructors, guests, and authors that do not necessarily reflect the official position of any other author, agency, organization, employer, or the Company. Users are solely responsible for their own comments and for any liability resulting from them. The Company may delete any comment for any reason.

Fair Use

The Company may use copyrighted material not specifically authorized by the copyright owner for criticism, comment, news reporting, teaching, scholarship, or research, which the Company believes constitutes fair use under 17 U.S.C. § 107. If You wish to use such material beyond fair use, You must obtain permission from the copyright owner.

Advertising, Product Reviews, and External Links

The Service may contain third-party advertisements and links to external websites not provided, maintained by, or affiliated with the Company. The Company does not guarantee the accuracy, relevance, timeliness, or completeness of information on external websites, makes no representation about the suitability of any advertised product or service, and is not responsible for the content of advertisements, promises made, or the quality or reliability of products or services offered. A link or advertisement is not an endorsement.

The Company may receive compensation, money, or free products for reviews or endorsements of a company, product, or service. Reviews reflect the Company's own opinions, and content for which compensation was received will include a disclosure as required by the Federal Trade Commission.

FTC Affiliate Disclosure

Some links on the Service are affiliate links. If You click an affiliate link and make a purchase, the Company may earn a commission at no additional cost to You. The Company recommends products or services it believes will add value to its users.

Amazon Associates. Freedom Professional Seminars INC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. As an Amazon Associate, the Company earns from qualifying purchases.

Jurisdictional Limits

Some jurisdictions do not allow the exclusion of certain warranties or limitations on statutory consumer rights, so some of the above exclusions may not apply to You. In that case, the exclusions apply to the greatest extent enforceable under applicable law.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

1. The total, aggregate liability of the Company, its Affiliates, and their owners, officers, employees, instructors, contractors, licensors, and suppliers for all claims arising out of or relating to these Terms, the Service, any Course, or any purchase, under any theory of liability, is limited to the amount You actually paid to the Company in the twelve (12) months immediately preceding the event giving rise to the claim, or USD 100 if You paid nothing.

2. In no event will the Company or any of the persons listed above be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including damages for loss of profits, income, employment, credentialing, or professional opportunity; failed examinations; loss of data; business interruption; loss of privacy; or personal injury (except as stated below), arising out of or related to the use of or inability to use the Service, third-party software or hardware, or otherwise in connection with these Terms, even if advised of the possibility of such damages and even if a remedy fails of its essential purpose.

These limitations do not apply to liability for gross negligence, willful misconduct, fraud, or death or personal injury caused by the Company's negligence where such liability cannot be limited by law, or to any other liability that cannot be limited under applicable law. Some states do not allow the exclusion or limitation of incidental or consequential damages; in those states, liability is limited to the greatest extent permitted by law.

19. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its Affiliates, and their owners, shareholders, officers, employees, instructors, contractors, and agents from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to: (a) Your use of the Service or any Course; (b) Your breach of these Terms; (c) Your Content; (d) Your clinical practice, including any care You provide to any patient and any claim that You acted outside Your scope of practice; (e) Your violation of any law or the rights of any third party, including patient privacy rights; or (f) any person's use of Your Account. The Company may assume the exclusive defense of any matter subject to indemnification, and You will cooperate with that defense.

20. Governing Law

These Terms, and any dispute arising out of or relating to them or the Service, are governed by the laws of the State of New York, United States, without regard to its conflict-of-law rules, except that the arbitration agreement in Section 21 is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.). Your use of the Service may also be subject to other local, state, national, or international laws.

21. Dispute Resolution; Binding Arbitration

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.

Informal Resolution First

Before starting arbitration or any court proceeding, the party with a dispute must first send the other a written notice describing the claim and the relief sought (to Us at [email protected] and the mailing address below; to You at the email address on Your Account). The parties will try in good faith to resolve the dispute informally for 30 days after the notice is received. Any limitations period is paused during those 30 days.

Agreement to Arbitrate

Except as stated below, You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, any Course, any purchase, or the relationship between You and the Company, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before or after You accepted these Terms, will be resolved exclusively by final and binding individual arbitration. The arbitrator, and not any court, has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except as stated under "Class-Action Waiver" below.

Rules and Procedure

The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or any successor consumer rules) then in effect, available at www.adr.org, as modified by this Section. If the AAA is unavailable, unwilling, or no longer exists, the arbitration will be administered by JAMS under its consumer arbitration rules and minimum standards then in effect, or, if neither is available, by an arbitrator appointed under the Federal Arbitration Act. Payment of filing, administration, and arbitrator fees will be governed by the AAA's consumer fee schedule. The arbitration will be conducted by a single arbitrator. Unless the parties agree otherwise, the arbitration will be conducted by video conference or on written submissions, or, if an in-person hearing is required, in Richmond County, New York, or another location reasonably convenient to You as the AAA Consumer Rules provide. The arbitrator may award any individual relief that a court could award, but only in favor of the individual party seeking relief and only to the extent necessary to provide relief on that party's individual claim. The arbitrator's award is final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Exceptions

Either party may (a) bring an individual claim in small-claims court in Richmond County, New York, or in the county where You reside, if the claim qualifies and remains in small-claims court; and (b) bring an action in court for injunctive or other equitable relief to stop the actual or threatened infringement, misappropriation, or misuse of intellectual property, including the Course Materials, or to enforce Section 11. In addition, the Company may pursue collection of undisputed amounts owed in small-claims court or through a collection agency.

Class-Action Waiver

YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims or preside over any form of class or representative proceeding. If this class-action waiver is found unenforceable as to any claim, then that claim (and only that claim) must be severed from the arbitration and heard in court, and this arbitration agreement will not apply to it. A court, not an arbitrator, decides the enforceability of this waiver.

Jury-Trial Waiver

TO THE EXTENT ANY CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND THE COMPANY EACH KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO A TRIAL BY JURY.

Right to Opt Out

You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 daysafter You first accept these Terms, stating Your name, Account email, and that You opt out of arbitration. Opting out does not affect any other part of these Terms, including the class-action waiver, jury-trial waiver, time limit for claims, and venue provisions, which continue to apply to the extent permitted by law.

Changes to This Section

If the Company changes this Section, the change will not apply to any dispute of which the Company had written notice before the change took effect.

Time Limit for Claims

To the extent permitted by law, any claim arising out of or relating to these Terms or the Service must be filed within one (1) year after the claim first arose, or it is permanently barred. This time limit does not apply to claims by the Company to collect amounts owed or to protect its intellectual property.

Venue

Subject to the arbitration agreement, any proceeding permitted to be brought in court must be brought exclusively in the state courts located in Richmond County, New York, or the United States District Court for the Eastern District of New York, and You and the Company consent to the personal jurisdiction of and venue in those courts.

22. International Users and Legal Compliance

For European Union and Other Non-U.S. Users

If You are a consumer resident in the European Union or another country whose law gives You mandatory protections that cannot be waived by contract, You will benefit from those mandatory provisions. Nothing in these Terms is intended to override them. By purchasing digital Course Materials, You expressly request immediate access and acknowledge that You thereby lose any statutory right of withdrawal once access begins, to the extent permitted by Your local law.

United States Federal Government End-Use Provisions

If You are a U.S. federal government end user, the Service is a "Commercial Item" as defined at 48 C.F.R. § 2.101.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country subject to a U.S. government embargo or designated by the U.S. government as a "terrorist supporting" country, and (ii) You are not listed on any U.S. government list of prohibited or restricted parties.

23. Severability, Savings, and Waiver

Severability and Savings

If any provision of these Terms is held invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permissible and reformed to the minimum extent necessary to make it enforceable while preserving the parties' original intent as closely as possible, and the remaining provisions will continue in full force and effect. Each limitation of liability, disclaimer, waiver, and exclusion in these Terms is separate and independently enforceable.

Waiver

The Company's failure to exercise any right or require performance of any obligation under these Terms does not affect its ability to do so later, and a waiver of any breach is not a waiver of any later breach. Any waiver must be in writing to be effective.

Assignment

You may not assign or transfer these Terms or Your Account without Our prior written consent. The Company may assign these Terms, including in connection with a merger, acquisition, or sale of assets.

Force Majeure

The Company is not liable for any delay or failure to perform caused by events beyond its reasonable control, including acts of God, natural disasters, epidemics, government orders, utility or internet failures, outages of third-party platforms, labor disputes, or venue unavailability.

24. Entire Agreement, Interpretation, and Changes

Entire Agreement

These Terms, together with the Privacy Policy, the checkout terms, and any Course-specific terms on the sales page You purchased from, are the entire agreement between You and the Company regarding the Service and supersede all prior or contemporaneous understandings, statements, or representations, whether oral or written. No statement by any employee, instructor, or contractor, including by email, chat, or social media, modifies these Terms unless it is in a written agreement signed by an authorized officer of the Company. If a Course sales page conflicts with these Terms on Access Period or Payment Plan schedule, the sales page in effect at the time of Your purchase controls on that point only.

Translation Interpretation

If these Terms are translated, the original English text prevails in the event of a dispute.

Changes to These Terms

The Company may modify or replace these Terms at any time at its sole discretion. We will post the updated Terms on the Website with a new "Last updated" date, and for material changes We may also notify You by email or through the Service. Changes take effect when posted, unless We state otherwise. Because these Terms are designed to remain in effect for many years, they may not be updated every time a provider, tool, price, plan, or course format changes; such operational details are governed by the sales page and checkout at the time of purchase and do not require an amendment to these Terms. Changes do not apply retroactively to purchases completed before the change with respect to price, Payment Plan schedule, or Access Period, and do not apply to disputes already pending. By continuing to access or use the Service after changes take effect, You agree to the revised Terms. If You do not agree, You must stop using the Service; doing so does not end any payment obligation.

25. Contact Us

If You have any questions about these Terms, You can contact Us:

· By email: [email protected]

· By mail: Freedom Professional Seminars INC, 2845 Richmond Ave #131442, Staten Island, NY 10313