These Terms and Conditions (this "Agreement") outline the terms by which paying members ("Users") may use the platform and other online or mobile services provided by Optimized Business Systems Inc. ("Optimized Business Systems") (collectively, the "Service"). Please read this Agreement carefully before using the Service. By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by this Agreement, and consent to the collection and use of your information as set forth in our Privacy Policy, whether or not you are a registered user of our Service. This Agreement applies to all visitors, users, and others who access the Service (collectively, "Users").

1. Updates to These Terms

This Agreement is maintained on our website. We reserve the right, at our sole discretion, to modify or replace this Agreement from time to time; therefore, you should review this page periodically. When we make material changes to the Agreement, we will update the 'last updated' date at the bottom of this page. Your continued use of the Service after any such change constitutes your acceptance of the new terms. If you do not agree to any of these terms or any future terms, do not use or access (or continue to access) the Service.

2. Acceptable Use of the Service

To ensure the Service operates smoothly for all Users, you agree to use the Service only in a manner consistent with our Acceptable Use Policy.

3. Sharing Your Content

a. Your Content: We may allow you to post content on the Service, including training materials, videos, comments, photos, blog posts, messages, and other materials ("User Content"). Users retain ownership of all User Content they post.

b. How We Can Use Your Content: By posting User Content on the Service, you grant us a non-exclusive, royalty-free, worldwide license to use, display, and distribute your User Content in connection with the Service.

c. Your Responsibility for Your Content: By uploading, posting, submitting, or otherwise disclosing or distributing User Content, you represent and warrant that you own all rights in your User Content and that any User Content you post does not violate any applicable laws or rights of third parties. We reserve the right, but are not obligated, to reject and/or remove any User Content that we believe, in our sole discretion, violates these provisions.

4. Our Content

Except for User Content, the Service and all associated intellectual property rights are the exclusive property of Optimized Business Systems Inc. ("Exclusive Content"). Except as explicitly provided herein, nothing in this Agreement shall be deemed to create a license to the Exclusive Content, and you agree not to use the Exclusive Content without our prior written consent.

5. Messaging

Optimized Business Systems Inc. may allow you to send messages through the Service to other Users or third parties ("Messages"). We may send administrative messages to you and other Users.

6. Copyright Policy

We require that Users of the Service respect the copyright and other intellectual property rights of all third parties.

7. Privacy

We care about the privacy of our Users. By using the Service, you consent to the collection, use, and disclosure of your personally identifiable information and aggregate data as set forth in our Privacy Policy.

8. Indemnity

You agree to defend, indemnify, and hold Optimized Business Systems Inc. harmless, along with any subsidiaries, agents, affiliates, vendors, officers, and employees, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including reasonable attorney fees and costs) arising from: (i) your use of and access to the Service; (ii) your violation of any term of this Agreement; (iii) your violation of any third-party right, including without limitation any right of privacy or intellectual property rights; (iv) your violation of any applicable law, rule, or regulation; (v) any claim or damages that arise as a result of any of your User Content submitted via your account.

9. Use of Our Service

a. Eligibility: You may use the Service only if you can form a binding contract and only in compliance with this Agreement and all applicable local, provincial, national, and international laws, rules, and regulations. Any use or access to the Service by anyone under 18 is strictly prohibited and in violation of this Agreement unless accompanied by a legal guardian.

b. Subscription and Fees: Upon subscription via the web platform created by Optimized Business Systems Inc., Users may pay a monthly ongoing subscription fee or a paid-in-full membership fee. The membership includes full access to services for an initial period of one year. Users are responsible for all transactions, chargebacks, refunds, bank transaction fees, and customer service. Optimized Business Systems Inc. reserves the right to amend, update, or otherwise change the amount of the subscription and membership fee at any time.

c. Access and Modifications to the Service: We do not provide you with the equipment to use the Service. You are responsible for all fees charged by third parties to access and use the Service. We reserve the right to modify or discontinue, temporarily or permanently, all or a part of the Service without notice.

d. Termination of Subscription: If you wish to terminate your monthly subscription service, you can log in to Optimized Business Systems Inc.'s web application, select your profile, and select cancel subscription, or deliver such notice to us in writing via email at [email protected], before the next billing is processed. *All payments are non-refundable.*

e. Term and Termination: The obligation to pay the fees applies irrespective of whether you use the Services or not. All amounts are earned when received and are non-refundable. The Agreement will continue for the entirety of the term, one month, and automatically renew for the monthly subscription plan available at the time the term ends. Either party may terminate this Agreement at any time and for any reason without notice to the other party. Termination or expiration of this Agreement shall not affect any rights or obligations of the parties, including the payment obligations due through the end of the term or which have accrued up to the date of such termination or expiration.