Terms of Use

PLEASE READ THIS DOCUMENT CAREFULLY.

This document sets out the terms for use of the Personal Agenda platform. It governs both our Course & Content Creators ("Creators") and our end users ("Students"), collectively ("You" or "Users"). Personal Agenda is committed to transparency, which includes providing a Terms of Use that is understandable and written in plain language. Because this document represents our agreement with You about Your use of our platform, please take the time to read this document.

Personal Agenda operates on a third party platform called teachable.com. Our Terms of Use ("Terms" or "Agreement") also includes the Privacy Policy, Cookies Policy, Data Processing Agreement of Teachable as they process all payments and data on the platform. Teachable also handles other documents referred to by those agreements, and they, as a whole, govern any and all of the access to the Personal Agenda platform, whether You are a visitor, guest, Creator, Student, etc.

Personal Agenda's Platform can be found at https://Personal Agenda.org, and also includes all of the subdomains, mobile applications, any other media, location, application, etc. owned, managed, operated, etc. by Personal Agenda. When referring to the infrastructure in this Agreement, we will be collectively referring to them as the “Platform".

I. Introduction

Personal Agenda, Inc. ("Personal Agenda") provides an open online content creation platform designed to allow Creators to build, design, publish, and sell courses and services ("Content") to their Students. Personal Agenda offers this Content creation platform along with a number of additional services and tools (e.g. payment gateways, author and affiliate payouts) and the entire selection of tools and services offered via the Platform will be referred to in this Agreement as "Personal Agenda Services".

By using our Platform in any manner You are expressly agreeing to, and give Your consent to be governed by, these Terms. If You do not agree with these Terms or You do not wish to be bound by these Terms, You must not use or access Personal Agenda's Platform in any manner.

Personal Agenda is neither a content provider nor an educational institution. Creators and Students are not employees of Personal Agenda. Personal Agenda is not responsible for interactions between Creators and Students, with the exception of providing the technological means through which Creators may broadcast and otherwise make their Content available and, at each Creator's election, for processing payments through Personal Agenda's payment gateway(s). Personal Agenda is not liable for any disputes, claims, losses, injuries, or damage of any kind that may arise out of the Creator/Student relationship, including but not limited to, any Student's reliance upon any information provided by a Creator or Creator Content at any time.

As stated in our Privacy Policy, Personal Agenda only provides Creators with limited information about the Students enrolled in their Content, including name, email address, IP address, and the Content in which the Student has enrolled. This information is only available to the Creator upon the purchase or enrollment of a Student in the Creator's Content. Personal Agenda does not provide, sell, rent, release, disclose, or otherwise transfer Student data to Creators for monetary or other valuable consideration.

Students assume full responsibility for the disclosure and use of any other personal information the Student chooses to disclose to any Creator on the Platform.

II. Terms Applicable to All Users of the Personal Agenda Platform

A. Age of Access

You must be at least 18 years old to use the Platform, or, if You are between the ages of 13 and 18, You must have your parent or guardian's permission to use the Platform. By using our Platform, You are telling us by your actions that You have obtained that permission (You are 'representing' and 'warranting' that You have obtained the appropriate permissions to use our Platform). IF YOU ARE UNDER THE AGE OF 13 YOU MAY NOT USE OUR PLATFORM IN ANY MANNER NOR MAY YOU REGISTER FOR AN ACCOUNT.

B. License to Creators & Students

Personal Agenda grants You a limited, non-exclusive license to access and use Personal Agenda's Platform for Your own personal and commercial purposes. This license is only for Your use and may not be assigned or sublicensed to anyone else, without Personal Agenda's express written consent. Except as expressly permitted by Personal Agenda in writing, You will not try to reproduce Personal Agenda's Platform (legally that's known as engaging in activity that would reproduce, redistribute, sell, create derivative works from, decompile, reverse engineer, or disassemble the Platform). You also agree that in exchange for this license You will not engage in any activity that would interfere with or damage or harm the Platform. All rights not expressly granted by Personal Agenda are reserved.

C. Code of Conduct

We have to set up some ground rules. Honestly, most of what we cover here should go without saying. However, it's better to be upfront about things, rather than just assume everyone knows how they are expected to conduct themselves on our Platform.

No Illegal Activity: This is about as simple as it gets. Do not use the Personal Agenda Platform for any illegal activity. Period. You are not allowed to use our Platform to engage in any kind of conduct that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
No Fraud: Yes, this is probably covered in the No Illegal Activity section above, but we want to make this very clear. Fraud will not be tolerated in any capacity.
No Bad Code: Do not use the Personal Agenda Platform to transmit, distribute, send, or otherwise expose the Platform or its Users to viruses, worms, or any other code that may be deemed dangerous, harmful, or destructive in any manner.
No Spamming: Seriously. No one likes spam. We don't like spam. We're pretty sure that You don't like your inbox cluttered with spam. You may not use the Personal Agenda Platform to engage in any activities that will result in sending spam to anyone on the Personal Agenda Platform, including Personal Agenda (and its employees), Creators, and Students.
Be Civil: We mean this. We're an open platform allowing myriad subject matters to be taught. Not all Content is for everyone. But the one thing we can all agree on is that when we use the Personal Agenda Platform we are going to be civil and respectful at all times.
No Exploitation: You will not use the Personal Agenda Platform to try to gather personal information on anyone outside of the limited permissible uses for offering or accessing Content.
No Impersonation: Imitation is the sincerest form of flattery, but not when it comes to representing that You are a part of Personal Agenda. You will not impersonate anyone on the Personal Agenda Platform, including Personal Agenda (and its employees), Creators, and Students.
No Data Mining or Bots: You may not use any data mining, robots, or similar data gathering or extraction methods.
No Use Other Than Intended: You may not use the Platform or any Content contained on the Platform for any purposes other than intended.
No Prohibited Content: You may not use the Platform if Your Content contains material that is libelous, slanderous, pornographic, obscene, unlawful, threatening, hateful, violent, predatory, defamatory, or otherwise objectionable, all of which shall be determined in Our sole discretion.

If You violate this Code of Conduct, we reserve the right to remove You and any of Your Content from the Personal Agenda Platform. Whether conduct violates our Code of Conduct will be determined in Personal Agenda's sole discretion.

III. Terms Applicable to Creators

A. Coaching

Personal Agenda may provide the opportunity for Creators to sell coaching offerings ("Coaching") to Students in addition to the courses that the Creator sells on the Platform (together Coaching and courses are referred to as Content). All Coaching offerings shall be covered by this Agreement and are included in the definition of Content. Should the Coaching involve any third party content, You agree that Personal Agenda is not responsible in any way for such content, and makes no representations or guarantees as to its merchantability or fitness of use. The delivery of the Coaching is the sole responsibility of the Creator.

B. Intellectual Property and Data Processing

In operating our Platform, it's important for us to make it clear who owns what and who's responsible for what. You are trusting us with Your content and consistent with Personal Agenda's genuine belief in transparency we want to make it simple for You to know exactly what You are getting into when You join the Personal Agenda community.

Personal Agenda Content: Content that Personal Agenda uploads to the Platform, Personal Agenda intellectual property and proprietary information, including all information, software, technology, data, logos, marks, designs, text, graphics, pictures, audio and video files, other data or copyrightable materials or content, and their selection and arrangement, is referred to herein as "Personal Agenda Content", and is and remains the sole property of Personal Agenda. Personal Agenda Content, including our trademarks, may not be modified by You in any way.

2) Your Content: Content that You upload to the Platform is and remains Your content. Personal Agenda does not claim any intellectual property rights over the materials You upload to the Personal Agenda Platform by virtue of Your use of Personal Agenda Services. By uploading Your content to the Personal Agenda Platform, You agree that:

Personal Agenda may review Your content for any reason, including compliance with our Code of Conduct and prohibited content requirements, but Personal Agenda has no obligation to review anything that You upload.

b) You are uploading Your content to the Personal Agenda Platform at Your direction and Personal Agenda does not in any way certify or provide approval or permission prior to You uploading Your content.

c) Personal Agenda may display Your content to other users (e.g. Your Students) via the Personal Agenda Platform.

d) You agree that by uploading Your content to Our Platform, You are allowing Us to store Your Content.

e) You agree to provide Personal Agenda with all necessary licenses, including a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use (e.g, to display or transmit) Your Content in furtherance of the Personal Agenda Services (In other words, because You own Your Content, You have to give Us permission to display it, or to use it for internal operational purposes, like storing it on Our servers).

f) You are responsible for and own, or have the rights to use, all of Your Content.

3) Content Free of Infringement of Any Third Party Rights

You agree that Your Content does not infringe upon anyone else's intellectual property rights and that You have secured or obtained or received all necessary rights and permissions, as necessary, from any third parties who may own the content.

b) In plain language, this means that if You're using someone else's work (including videos, text, charts, powerpoints, etc.) in Your Content, You've gotten the content owner's permission to use it. You wouldn't want anyone selling any of Your Content without Your permission. If You are going to use something that You didn't create, make sure You can demonstrate that You have the right to use it before You make it a part of Your Content.

4) Processing of Personal Information by Creators

Creators are responsible for protecting all personal information they provide to, or receive from, Personal Agenda in connection with the use of Personal Agenda Services. Personal Agenda's Data Processing Agreement ("DPA") forms part of this Agreement and sets out Personal Agenda's and Creator's obligations with respect to the processing of personal information. Creators agree to abide by the DPA when and to the extent Data Protection Laws apply to a Creator's use of Personal Agenda Services to process Student Data or Creator Data (as these terms are defined in the DPA).

b) Creators are considered controllers or "owners" of the personal information they collect from and about Students. In addition to agreeing to the terms of the DPA, Creators are also responsible for providing an appropriate privacy notice to their Students, respecting their Students' privacy rights in accordance with applicable law, and providing access to or deleting Students' personal information if they request and as required by applicable law.

IV. Personal Agenda's General Rights In Operating Its Platform

A. Personal Agenda Reserves the Following Rights Over the Entire Personal Agenda Platform:

Personal Agenda may modify, terminate, or refuse to provide Personal Agenda Services at any time for any reason, without notice.

Personal Agenda may remove anyone from the Personal Agenda Platform at any time for any reason, solely in Personal Agenda's discretion. This right is not modified by any other section of this Agreement.

Personal Agenda reserves the right to access Your account, School, and Content in order to respond to requests for technical support, to maintain the safety and security of the Personal Agenda Platform, and for other legitimate business purposes, as necessary, in Personal Agenda's discretion.

Personal Agenda may, but has no obligation to, monitor any content that appears on the Personal Agenda Platform or review any conduct occurring through the Platform, including any interactions between Creators and Students and Personal Agenda employees.

Personal Agenda reserves the right to modify, suspend, or alter its refund policy, at its sole discretion.

If You close Your account or terminate Your school, Personal Agenda may keep a copy of Your content after termination. You grant us a non-exclusive, perpetual, irrevocable license to maintain such archival copy for compliance with any relevant laws and regulations and for our internal business purposes, subject to applicable law.

Personal Agenda reserves the right to remove You and Your Content without warning if You violate any of the provisions of this Agreement.

Personal Agenda has, in its sole discretion, an absolute right to modify, change, alter, suspend, or terminate any provision of this Agreement without warning at any time.

V. Personal Agenda's Copyright, DMCA, Trademark, and Takedown Policy

Personal Agenda takes a firm stance against anyone who is infringing upon anyone else's intellectual property. This Platform is all about You transforming Your knowledge into Content. We draw a hard line when the Personal Agenda Platform is used to exploit someone else's intellectual property.

A. Copyright Violations and the DMCA

If Personal Agenda has a good faith belief that any content (including Creator Content) appearing on its Platform violates any copyrights or has been illegally copyrighted, Personal Agenda reserves the right to remove, block, or otherwise 'take down' the content. Personal Agenda also reserves the right to remove from the Platform any Creators, Students, or other parties, who are repeat offenders of the Personal Agenda repeat offender policy.

Reporting Copyright Infringement under the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA"):

Personal Agenda provides an online form for submitting copyright infringement notices under the DMCA. If you believe that content on the Personal Agenda Platform is infringing on your copyrights, please complete Personal Agenda's copyright infringement notice form to forward your notice to Personal Agenda's designated agent for review. (For trademark infringement claims, refer to Section V(B) below).

b) If your submission contains all of the information required by the form and complies with the DMCA, Personal Agenda will expeditiously remove or disable access to the content alleged to be infringing.

c) Please note that when Personal Agenda removes content in response to a DMCA notice, Personal Agenda will attempt to contact the party who posted the content You report as infringing and provide information about the notice and removal, including information about how to submit a counter notice. Personal Agenda may also send a copy of any notices received to the affected party.

2) DMCA Counter Notice Procedure

a) If Your content is removed due to the receipt of a DMCA notice and you believe that your content was wrongly removed, you may send Personal Agenda what is known as a Counter Notice.

Your Counter Notice must contain:

(1) A physical or electronic signature

(2) Identification of what was removed and the location where the material appeared before it was removed

(3) A statement under penalty of perjury that you have a good faith belief that the material was removed as a result of mistake or misidentification

(4) Your name, address, and telephone number, and a statement that you consent to the jurisdiction of Federal District Court for the judicial district of New York and that you will accept service of process from the person who provided notification

b) Your Counter Notice must be sent to Personal Agenda's designated agent at support@Personal Agenda.com.

c) Please note that a copy of any Counter Notice received will be sent to the party who posted the content you report as infringing.

3) Repeat Infringement Policy

As we stated above, Personal Agenda really doesn't look favorably on anyone who is using someone else's intellectual property without permission. Should Personal Agenda receive two or more DMCA complaints regarding any Creator, Personal Agenda may simply remove that Creator from the Personal Agenda Platform without further warning. Note: as we state in our Personal Agenda Rights section, we still reserve the right to remove any school at any time for any reason. This Repeat Infringement section does not change that right in any way.

B. Trademark Violations

Personal Agenda reserves the right to remove access to content that it knows, or has reason to know, violates the rights of trademark owners. Please note that Personal Agenda will send a copy of any trademark infringement claim received to the user who posted the content you report as infringing.

1) Reporting Trademark Infringement

Personal Agenda provides trademark owners an online form for submitting information to enable Personal Agenda to evaluate trademark infringement claims. If you believe that a user of the Personal Agenda Platform is infringing your registered trademark, please complete Personal Agenda's trademark complaint form to forward your claim to Personal Agenda's team for review. (For copyright infringement claims, refer to Section V(A) above).

b) If your submission contains all of the information required by the form and demonstrates that a user of the Personal Agenda Platform is infringing your registered trademark by using your trademark in connection with the goods or services covered by your registration, Personal Agenda will take appropriate action, which may include removing access to the infringing content and/or terminating the user.

c) Do note Personal Agenda is not a court of law and there may be times that we cannot take action based on the information that you submit in our online form. In such cases, we may refuse to take action, and if warranted, you may resubmit the online form with additional information and materials requested by the form that were not previously submitted.

2) Counter Notice Procedure

If Your content is removed due to the receipt of a Trademark notice, you may send Personal Agenda a counter notice if you believe that your content was wrongly removed.

b) If Personal Agenda receives a counter notice that denies the infringement claim and asserts that it has a good faith basis for doing so, Personal Agenda may choose not to remove the allegedly infringing content but will put you in contact with the user so that you and the user can address the matter directly.

VI. Third Party Communications

By using Personal Agenda's Platform, You may receive communications from third parties (e.g. a Creator may communicate with a Student). Personal Agenda is not responsible for these communications and shall not have any liability in connection with them. You are solely responsible for assessing and verifying the identity and trustworthiness of the source and content of any such third-party communications. Personal Agenda assumes no responsibility for verifying, and makes no representations or warranties regarding the identity or trustworthiness of the source or content of any such third-party communications.

VII. Third Party Offerings

Through the Personal Agenda Platform, You will have the ability to access content, links to websites, and services provided by Creators, Students, and other third parties ("Third Party Offerings"). Your use of any Third Party Offerings provided on this Platform or a third party website is at Your own risk. Personal Agenda does not monitor or have any control over, and makes no claim or representation regarding Third Party Offerings and accepts no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or reliability of, Third Party Offerings. You should review applicable terms and policies, including privacy and data gathering practices, of any third party, and should make whatever investigation You feel necessary or appropriate before proceeding with any transaction with any third party.

VII. Payments

A. Gateway Options

Personal Agenda operates two different types of payment options for Creators who use our Platform: Personal Agenda Gateways and Custom Gateways. Your use of either type of gateway is covered by the terms of this section.

B. Personal Agenda Native Gateways

For the avoidance of doubt, the term Personal Agenda Native Gateways is a reference to both Personal Agenda Payments and the Monthly Payments Gateway

1) Appointment of Personal Agenda as a Limited Payment Collection Agent for Personal Agenda Native Gateways: Each Creator collecting payment for services provided on the Personal Agenda platform via Personal Agenda Native Gateways hereby appoints Personal Agenda as the Creator's payment collection agent solely for the limited purpose of accepting funds from Students purchasing such services.

Each Creator agrees that payment made by a Student through the Personal Agenda Native Gateways shall be considered the same as a payment made directly to the Creator, and the Creator will provide the purchased services to the Student in the agreed manner as if the Creator has received the payment directly from the Student. Each Creator agrees that Personal Agenda may refund the Student in accordance with the Terms. Each Creator understands that Personal Agenda's obligation to pay the Creator is subject to and conditional upon successful receipt of the associated payments from Students. Personal Agenda guarantees payments to Creators only for such amounts that have been successfully received by Personal Agenda from Students in accordance with these Terms. In accepting appointment as the limited payment collection agent of the Creator, Personal Agenda assumes no liability for any acts or omissions of the Creator.

b) Each Student acknowledges and agrees that Personal Agenda acts as the Creator's payment collection agent for the limited purpose of accepting payments from you on behalf of the Creator. Upon payment of the funds to Personal Agenda, the Student's payment obligation to the Creator for the agreed amount is extinguished, and Personal Agenda is responsible for remitting the funds to the Creator in the manner described in these Terms, which constitute Personal Agenda's agreement with the Student. In the event that Personal Agenda does not remit any such amounts once successfully received from the Student, the Creator will have recourse only against Personal Agenda and not the Student directly.

2) Personal Agenda Payments: The Personal Agenda Payments gateway allows Creators to process credit or debit card transactions and facilitates faster payout processes. Personal Agenda Payments is available to some Creators, based on location. For a list of eligible locations, please see the Personal Agenda website.

Creators have the option to set up Personal Agenda Payments from their school's Admin page. By setting up Personal Agenda Payments, You agree to the terms that appear in this Agreement and/or on the Personal Agenda Platform regarding the Personal Agenda Payments Gateway.

b) Third Party Agreement: In setting up Personal Agenda Payments, You may be instructed to agree to terms of service offered by Stripe. Stripe is an independent party from Personal Agenda and Personal Agenda is not responsible for the contents of their terms of service. Should Stripe's terms of service differ from Personal Agenda's terms, such differences shall not modify this Agreement in any manner.

c) By using Personal Agenda Payments You agree that Personal Agenda may place a portion of Your school sales in reserve for a period of time to cover losses, chargebacks, refunds, etc. The current reserve period and amount are located on our Knowledge Base page regarding Personal Agenda Payments. The amount of reserves and the length of time in which they are held are subject to change at Personal Agenda's sole discretion. Should the reserve period or the amount withheld change, Personal Agenda will make reasonable efforts to update the Knowledge Base page to communicate these changes.

d) Fees for Personal Agenda Payments may be found on the Teachable Knowledge Base page. All Personal Agenda Payment gateway fees will be deducted before the funds are sent to the Creator. The fees associated with Personal Agenda Payments are subject to change, in Personal Agenda's sole discretion. By using Personal Agenda Payments, You agree to the fees as set by Personal Agenda.

3) Monthly Payment Gateway: Personal Agenda Creators may also have an opportunity to utilize the Monthly Payments Gateway (MPG) to facilitate credit card or debit card transactions or to utilize PayPal as a payment option. MPG is offered wherever PayPal accounts are available and the availability of MPG is subject to any limitations by PayPal. Personal Agenda Payments users will only be able to utilize MPG for PayPal transactions and will not be able to utilize MPG for credit card processing.

Third Party Agreement: In setting up MPG, You may need to agree to terms of service offered by Stripe or PayPal. Stripe and PayPal are independent parties from Personal Agenda and Personal Agenda is not responsible for the contents of their terms of service. Should their terms of service differ from Personal Agenda's terms, such differences shall not modify this Agreement in any manner.

b) Funds paid out to Creators via MPG are paid on the first of the month (or first available business day) no earlier than thirty (30) days after the end of the month in which a sale was made. This hold period is to account for any potential losses, chargebacks, refunds, etc. For the avoidance of doubt, this hold may result in funds being paid out more than thirty (30) days after the sale to a Student. The current hold period can be located on our Knowledge Base page regarding MPG. The length of time in which MPG funds are held before payout is subject to change at Personal Agenda's sole discretion. Should the hold period change, Personal Agenda will make reasonable efforts to communicate these changes via the Knowledge Base page.

4) Custom Payments Gateway: Creators on the Professional, Business, and Enterprise plans may choose to set up a Custom Payment Gateway (CPG) to process Student transactions. These transactions, which are made through a third-party payment gateway, are outside of the scope of your relationship with Personal Agenda. You agree that Your CPG service is not a part of the Personal Agenda Services. Payouts are distributed according to the third-party payment service's policies and procedures, and are not subject to Personal Agenda's 30-day refund policy or payment hold.

Transactions made through CPG are not subject to Personal Agenda's transaction fees.

b) You acknowledge that Personal Agenda does not control any payment processing fees that may be assessed through CPG. Additionally, while Personal Agenda may record the amounts that you owe to authors and affiliates in the transaction report, Personal Agenda does not have the access or ability to make deductions from transaction fees processed through third-party payment gateways to pay your authors or affiliates. Creators are responsible for making payments to authors and affiliates on their own.

c) By using CPG, Personal Agenda does not have any responsibility to pay, remit, or otherwise send to any relevant tax authorities, taxes owed, including sales taxes, on Content you sell through CPG processing.

C. Chargebacks

Creators may be charged a fee for any chargeback on credit card, debit card, or PayPal transaction that is processed through the Personal Agenda Native Gateways. This fee is deducted from Your school's payout but is returned to You if You win the dispute. Current fees may be found on the Teachable Knowledge Base. Fees are subject to change.

D. Taxes

EU Value Added Tax (EU VAT)

a) Custom Payments Gateway. You agree to the following:

(1) For the avoidance of doubt, Personal Agenda is solely acting as Your agent. By processing Content through CPG, You are agreeing that You are the principal and are appointing Personal Agenda as the selling agent for Your Content. The Creator is the supplier of the Content Personal Agenda is not responsible for interactions between Creators and Students and only provides the technological means through which Creators may make available their Content.

(2) Creators using CPG are solely responsible for all EU VAT taxes, costs, filings, and any other activities that may arise as a result of their sales of Content using the Personal Agenda Platform. Creators using CPG do not have a contractual arrangement, nor an expectation, that Personal Agenda will collect and remit EU VAT on behalf of the CPG Creator.

(3) When sales of Creator Content are processed through CPG, Personal Agenda is not taking part in the supply of the Creator Content. Content is and remains the Creator's property.

(4) CPG sales are never transmitted to Personal Agenda and as such Personal Agenda does not have an economic relationship to the transaction. Creators set the price of the Content with no input from Personal Agenda.

(5) All invoices made to Students from Creators using CPG shall indicate that the Creator is the supplier of the Content.

(i) Student invoices shall identify the name and nature of the Content that was purchased.

(6) All CPG sales are processed and authorized by a third party. Personal Agenda is not a party to the authorization process nor is Personal Agenda responsible for authorizing credit card charges through CPG.

(i) Creators are responsible for their Content's terms and conditions and are not bound by Personal Agenda's refund policy.

(ii) Personal Agenda has no responsibility to accept or reject Content enrollments should there be any issues with payments through CPG. Creators are responsible for authorizing any applicable delivery of Content to Students. Creators agree that if payments are processed through CPG, such processing serves as an authorization to Personal Agenda to deliver the Content materials to Students.

b) Personal Agenda Native Gateways

(1) For Content sold through the Personal Agenda Native Gateways, Personal Agenda is the supplier of the Content and acts as the principal in that transaction. Regardless of whether the Creator is a taxable or non-taxable individual or entity, Personal Agenda is taking part in the supply of the Content and as such shall collect and remit EU VAT.

(2) As the provider of the gateway responsible for processing the payment for the Content purchased, Personal Agenda is responsible for collecting payment.

(3) Personal Agenda sets the general conditions for all Content sold over the Personal Agenda Native Gateways, including adherence to Personal Agenda's refund policy.

(4) Personal Agenda determines the delivery of the Content to Students, utilizing the payments processed through Personal Agenda Native Gateways as a predicate event to delivering the Content to the Student.

(5) Invoices issued to Students shall clearly display Personal Agenda as the supplier of the Content.

(6) Invoices issued to Students shall identify the Content purchased by the Student.

(7) Personal Agenda is responsible for authorizing the charges made to Students for Content purchased through the Personal Agenda Native Gateways.

(8) Any EU VAT filings made by Personal Agenda shall be the sole responsibility of Personal Agenda. Personal Agenda will handle all EU VAT which may be levied on the charges made to Students for purchasing Content. Creators should not have to submit EU VAT tax returns themselves for the sales made through the Personal Agenda Payments Gateways. Creators will indemnify, defend, and hold Personal Agenda harmless from and against any tax, penalty and interest arising from the Creator's personal tax position.

c) Otherwise Responsible

(1) Unless explicitly mentioned in this Agreement or through a separate notice, Creators and Students are fully responsible for the payment of any and all applicable taxes that become due from their use of the Platform.

IX. Pricing

Personal Agenda is not responsible for setting the pricing on a Creator's Content. Prices for Creator Content are set by the Creator.

X. Account Ownership Disputes

In the unlikely event that there is a dispute over the ownership of an account, Personal Agenda has the right to request additional information from You to determine ownership and settle the dispute. The information that We may request to assist in resolving ownership disputes includes, but is not limited to, the following:

a copy of Your photo ID;
Your business documents, including a Charter, Certificate of Incorporation, LLC Agreement, business license, or other documentation showing ownership of Your entity;
Your billing information and details;
Certified copies of your tax forms; and
Other documentation as we deem necessary to settle the dispute

Should a dispute arise, Personal Agenda reserves the right determine the account ownership in its sole judgment, and the ability to transfer the account to the rightful owner, unless otherwise prohibited by law

XI. The Discover Platform

Personal Agenda also operates the Personal Agenda Discover ("Discover") platform, which is a part of the overall Personal Agenda Platform. In order to participate in Discover, the Creator must agree to the Discover platform agreement. As a part of the Personal Agenda Platform, Discover is covered by this Agreement. The Discover agreement does not supersede this Agreement. The terms in this Agreement apply in full force to the use of Discover. However, should this Agreement conflict with the Discover agreement, the Discover agreement shall take precedence.

XII. Fees

Pricing for the Personal Agenda Platform is described on our pricing page.

B. Depending on the processing method, Personal Agenda may charge transaction fees. You agree to pay all fees and charges that are made to Your account and that You are solely responsible for payment of these fees and charges.

C. Paid plans are automatically charged at the beginning of each billing period. Unless You submit a cancellation request to us in writing via email (support@Personal Agenda.com) or directly through Your account prior to the start of the billing period, Your plan will be charged upon the anniversary of its billing period. You agree that Personal Agenda may charge any recurring service to the credit card or debit card that You provide.

D. Should You not authorize payment or are otherwise not current on Your payments for Personal Agenda Services, Personal Agenda may restrict Your Platform access until Your account becomes current and paid in full.

E. Personal Agenda reserves the right to pursue fees owed using collection methods which may include charging other payment methods on file with Personal Agenda and/or retaining collection agencies or legal counsel.

F. Personal Agenda reserves the right to offer custom plans and pricing in addition to what is offered on the pricing page. Custom plans may also include custom billing and payment terms, including billing periods and renewals, that are different from our standard terms.

XIII. Refund Policy

We want You to be happy with Personal Agenda's Platform. If You're not feeling excited about joining the Personal Agenda community, we have some options for You regarding Your plan.

A. Creators

1. Monthly Plans

Creators on monthly paid plans are entitled to a full no-questions-asked refund within thirty (30) days of first signing up for a paid plan, or upgrading to a higher priced plan. Simply let us know in writing that You're canceling the plan within thirty (30) days of Your sign-up.

2. Annual Plans

Creators on annual plans are entitled to a full no-questions-asked refund within thirty (30) days of first signing up for an annual plan. Simply let us know in writing that You're canceling the plan within thirty (30) days of Your sign-up.

3. Abuse of the Refund Policy

Personal Agenda reserves the right to refuse refunds to Creators who abuse this Refund Policy. Examples of abuse include, but are not limited to, requesting refunds for multiple schools or requesting refunds in consecutive months.

B. Students

1. Courses

In general, all Students purchasing courses that are a part of the Personal Agenda Native Gateways are entitled to a thirty (30) day refund from the date of purchase. Unless authorized by Personal Agenda in Personal Agenda's sole discretion, no Creator on the Personal Agenda Native Gateways may offer to Students a refund policy for a period of less than thirty (30) days.</span>

b) If a Creator has been allowed to offer a refund period that differs from Personal Agenda's general policy, the Creator must provide notice to Students prior to the purchase of the course.

c) Personal Agenda reserves the right to refuse refunds to Students who abuse this Refund Policy. Examples of abuse include, but are not limited to, requesting refunds for multiple schools or requesting refunds in consecutive months.

d) Regardless of any other section to the contrary in this Agreement, Personal Agenda does not establish, maintain, or control refunds or a refund policy for any Content that was processed through a Custom Payment Gateway, including courses.

2. Coaching

Creators (regardless of whether they use Personal Agenda Native Gateways or a Custom Payment Gateway) are solely responsible for setting the refund policy regarding the sale of Coaching offerings.

b) The Creator must provide notice to Students regarding their refund policy prior to the purchase of the Coaching offering.

c) Regardless of any other section to the contrary in this Agreement, Personal Agenda's refund policy does not cover the provision of Coaching offerings provided by Creators to Students.

3. Bundled Products

If a Creator sells a set of courses as a bundled package, the refund policy applicable for courses will apply, as provided in section XII(B)(1).

b) If a Creator sells a set of courses and Coaching offerings as a bundled package, the refund policy applicable for Coaching offerings will apply, as provided in section XII(B)(2).

c) If a Creator sells a set of coaching offerings as a bundled package, the refund policy applicable for Coaching will apply, as provided in section XII(B)(2).

4. General Provisions

It is the Student's responsibility to understand the refund policy for Content prior to purchasing such Content from a Creator.

b) Personal Agenda reserves the right to provide a refund to any student at any time in Personal Agenda's sole discretion.

XIV. Cancellation and Deletion

A. Cancellation

If You cancel a paid plan, the cancellation will become effective at the end of the then-current billing cycle. When You cancel a paid plan, Your account will revert to a free account and Personal Agenda may disable access to features available only to paid plan users.

B. Deletion

You may delete Your account at any time.
Any account on the free plan may be deleted if it remains inactive (e.g., the user fails to log in) for a continuous period of at least six (6) months. Activity will be determined by Personal Agenda in its sole discretion.
Accounts on paid plans will be considered active accounts unless You explicitly ask us to delete Your account.
If Your account is deleted (regardless of the reason), Your Content may no longer be available. Personal Agenda is not responsible for the loss of such content upon deletion.
Upon deletion of Your account (regardless of the reason), all licenses granted by Personal Agenda will terminate.

C. Effect of Cancelation/Deletion

Should a school, course, Creator account, or Student account be canceled or deleted, the Creator or Student may no longer have access to Personal Agenda Content and Content may be irrecoverable. Personal Agenda shall not be liable to any party in any way for the inability to access Content arising from any cancelation or deletion, including any claims of interference with business or contractual relations.

XV. Errors and Corrections

Personal Agenda does not guarantee that the Platform or any services offered through the Platform will be error-free or otherwise reliable, nor does Personal Agenda guarantee that defects will be corrected or that any offerings through the Platform will always be accessible. Personal Agenda may make improvements and/or changes to the Platform and their features and functionality at any time, and will use commercially reasonable efforts to avoid disrupting peak hours, though some downtime may occur. Errors in Content are the responsibility of the Creator who owns the Content.

We reserve the right to amend the Platform, and any service or material we provide on the Platform, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Platform is unavailable at any time or for any period. From time to time, we may restrict access to some or all of the Platform to Creators and Students.

XVI. Limitations of Liability

In running the Platform, we require that You understand and agree that Personal Agenda is not liable for a number of things, including Your breach of this Agreement and losses that may result from Your use of the Platform. We also require that You understand and agree that the Platform is offered As Is and may not always be 100% perfect or reliable and that Personal Agenda doesn't warrant or guarantee that it will always be free of errors or defects. Any claims for damages against Personal Agenda will be limited to a portion of the fees You have paid us.

Our limitations of liability are as follows:

You agree that Personal Agenda, including its employees, officers, directors, and agents, shall not be liable for any kind of loss, injury, claim, or damages resulting from Your use of the Personal Agenda Platform.

B. You agree that Personal Agenda shall not be liable for any injuries, losses, claims, or damages that result from Your use or engagement with third party content, downloads, or communications.

C. Personal Agenda is not liable for any losses or damage caused by any viruses, distributed denial of service attacks, and any and all other malicious computer code. Malicious computer code means computer code or other mechanisms of any kind designed to disrupt, disable or harm in any manner the operation of any software or hardware or other business processes or to misuse, gain unauthorized access to or misappropriate any business or personal information, including worms, bombs, backdoors, clocks, timers, or other disabling device code, or designs or routines that cause software or information to be erased, inoperable, or otherwise incapable of being used, either automatically or with passage of time or upon command.

D. Personal Agenda does not guarantee that any files available for downloading from the Platform will be completely free from viruses or other harmful computer code.

E. The Personal Agenda Platform is provided to You on an "As Is, As Available" basis. As such, You agree to have an external method of recovering any lost data that may be uploaded to the Personal Agenda Platform.

F. Personal Agenda disclaims any warranties to the Platform and the content contained therein, including warranties for merchantability, fitness for a particular purpose, non-infringement, or title.

G. Personal Agenda shall not be liable for any special, direct, indirect, incidental, punitive, or consequential damages, resulting from the use of or inability to use the Platform.

H. You agree that Personal Agenda shall not be liable for any losses, injuries, claims, or damages from Your violation or breach of this Agreement. You agree to indemnify, defend, and hold harmless Personal Agenda, its present and future officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Platform from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement by You or arising from or related to Your use or misuse of the Platform (including, without limitation, use in contravention of this Agreement, other Personal Agenda policies, and copyright and other intellectual property law)

I. You are solely responsible for ensuring that Your use of the Platform complies with applicable law and does not violate the rights of any third party, including, without limitation, intellectual property rights. You assume all liability for any claims, suits or grievances filed against You, including, but not limited to, all damages related to Your use of the Platform.

J. You may not assign Your rights under this Agreement without Personal Agenda's prior written consent.

K. Should Personal Agenda's limitation of liability not be applicable, Personal Agenda's sole obligation to You, or any third party, for damages shall not exceed the amounts paid by You to Personal Agenda over the prior twelve (12) months directly preceding Your claim, unless otherwise required by law.

L. You agree that Personal Agenda shall not be liable for any content that appears on the Platform.

M. Except as set forth herein, nothing express or implied in this Agreement is intended or implied to confer, and nothing herein shall confer, any rights, remedies, liabilities, or obligations whatsoever upon any person or entity.

N. You agree that any cause of action or claim that You may have against Personal Agenda must be brought against us within one (1) year after the cause of action or claim arises. Should You not commence such cause of action or claim within this time period, it shall be barred.

XVII. Remedies for Violations

Personal Agenda reserves the right to seek all remedies available at law and in equity for violations of this Agreement, including but not limited to removing Creators and Students from the Platform, the right to block access to the Platform from a particular IP address or other user identifier, or to refer the violation to the appropriate law enforcement authorities.

XVIII. Communications

Personal Agenda may notify You of relevant information regarding the Platform and Personal Agenda Services in any of the following ways: (a) by emailing You at the contact information You provide in Your account registration, (b) by posting a notice in dashboard areas of the Platform, and (c) by posting the notice elsewhere on the Platform in an area suitable to the notice. It is Your responsibility to periodically review the Platform for such notices.

Subject to the Privacy Policy, if You send to Personal Agenda or post on the Platform in any public area any testimonials, techniques, suggestions, workflows, or know-how ("User Submissions"), for any purpose, including the developing, manufacturing, and/or marketing or products or services incorporating such information, You acknowledge that Personal Agenda can use such User Submissions without acknowledgement or compensation to You, and You waive any claim of ownership or compensation or other rights You may have in relation to your User Submissions. We actively review User Submissions for new ideas. If You wish to preserve any interest You might have in your User Submissions, You should not post them to the Platform or send them to us.

XIX. Governing Law and Jurisdiction; Disputes and Arbitration

A. This Agreement shall be governed in accordance with the laws of the State of New York without regard to its conflicts of laws principles. Any action arising out of or relating to this Agreement shall be filed only in the state or federal courts located in the County of New York in the State of New York. You consent and submit to the exclusive personal jurisdiction of such courts for the purpose of litigating any such action.

B. Any dispute, controversy, proceeding, or claim arising out of or in connection with or relating to this Agreement, shall be resolved by binding confidential arbitration by JAMS pursuant to its Optional Expedited Arbitration Procedures then in effect for JAMS, except as provided herein.

C. The arbitration will be conducted in New York County, New York, unless You and Personal Agenda agree otherwise. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Nothing in this section shall be deemed as preventing Personal Agenda from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, dilution, or violation of our data security, intellectual property rights, or other proprietary rights.

D. You and Personal Agenda agree to waive the right to trial by jury. You further agree that any proceedings to resolve any disputes shall be done solely on an individual basis and that You will not seek to have any dispute heard as a class action, a representative action, a collective action, a private attorney-general action, or in any proceeding in which You act or propose to act in a representative capacity.

E. You also agree that no proceeding will be joined, consolidated, or combined with another proceeding without the prior written consent of Personal Agenda and all parties to any such proceeding.

XX. California Civil Code Section 1789.3

California websites users are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 400 R Street, Suite 1080, Sacramento, California, 95814, or by telephone at (916) 445-1254 or (800) 952-5210.

Complaints or requests for further information can be sent to the address listed in the Contact Us section of this Agreement.

XXI. Privacy

Your use of the Platform is subject to our Privacy Policy.

XXII. Entire Agreement; Severability of Provisions; No Waiver

A. These Terms of Use incorporate by reference any notices contained on the Platform, including within the Privacy Policy, and constitute the entire agreement with respect to access to and use of anything offered by Personal Agenda, including the Platform, Personal Agenda Services, and any Content.

B. If any provision of this Agreement is deemed unlawful, void, or unenforceable by a court of law exercising proper jurisdiction, that provision shall be deemed severed from the remaining provisions and shall not affect their validity and enforceability.

C. No waiver of any provision hereof shall be valid unless in writing signed by the parties. Any failure to enforce any right or remedy hereunder shall not operate as a waiver of the right to enforce such right or remedy in the future or of any other right or remedy.

XXIII. OFAC

You represent and warrant that You are not, nor are You owned or controlled directly or indirectly by, any person, group, entity or nation named on any list issued by the Department of the Treasury's Office of Foreign Asset Control ("OFAC" ), or any similar list or by any law, order, rule or regulation or any Executive Order of the President of the United States, including Executive Order 13224, as a "Specially Designated National and Blocked Person", terrorist, or other banned or blocked person (any such person, group, entity or nation being hereinafter referred to as a ("Prohibited Person"); (ii) You are not (nor are You owned or controlled, directly or indirectly, by any person, group, entity or nation which is) acting directly or indirectly for or on behalf of any Prohibited Person; (iii) You (and any person, group, or entity which You control, directly or indirectly) have not conducted nor will conduct business nor have engaged nor will engage in any transaction or dealing with any Prohibited Person in violation of the U.S. Patriot Act or any OFAC rule or regulation, including, without limitation, the making or receiving of any contribution of funds, good or services to or for the benefit of a Prohibited Person in violation of the U.S. Patriot Act or any OFAC rule or regulation; (iv) You are not prohibited by any sanctions program as maintained by OFAC from transacting with Personal Agenda, including those sanctions programs currently in effect with respect to Cuba, Iran, North Korea, Syria, Venezuela, or Crimea. In connection with the foregoing, it is expressly understood and agreed that the representations and warranties contained in this subsection shall be continuing in nature.

XXIV. Changes to the Terms of Use

Personal Agenda may review and update this Agreement at any time in our sole discretion and it is Your responsibility to stay informed of those changes. All changes are effective immediately when posted and apply to all uses of the Platform thereafter. Your continued use of the Platform following the posting of revised Terms of Use means that You accept and agree to be bound by the changes. Please check this webpage periodically for updates.

XXV. Titles/Headings

The headings and titles of sections to this Agreement have been inserted for the convenience of reference for the parties and are for informational purposes only and shall not be deemed to be a part of the language of this Agreement. Neither You nor Personal Agenda shall rely on, or interpret substantively, the headings when construing the meaning of each section or the Agreement as a whole.

XXVI. Gender/Plural

Whenever such wording may appear in this Agreement, words in the singular shall mean and include the plural and vice versa and words in the feminine shall mean and include the masculine and vice versa.

XXVII. Contact Us

If You have questions or concerns regarding these Terms of Use, the Platform, Personal Agenda Services, or Content, You may contact Us via physical or electronic mail at the address below. Note: the Personal Agenda office is not open to the public:

Personal Agenda, Inc.

P.O. Box 526

Afton, Wyoming 83110

Email: support@Personal Agenda.com