IMPORTANT LEGAL NOTICE

THIS AGREEMENT CONTAINS CRITICAL LEGAL PROVISIONS INCLUDING A RELEASE OF LIABILITY, DISCLAIMER OF WARRANTIES, LIMITATION OF LIABILITY, MANDATORY BINDING ARBITRATION CLAUSE, WAIVER OF JURY TRIAL, AND CLASS ACTION WAIVER. THESE PROVISIONS AFFECT YOUR LEGAL RIGHTS AND REMEDIES. PLEASE READ THIS AGREEMENT CAREFULLY AND IN ITS ENTIRETY BEFORE ACCESSING OR USING THE SERVICES.

BY ENTERING INTO THIS AGREEMENT, YOU MAY BE WAIVING CERTAIN RIGHTS, INCLUDING THE RIGHT TO BRING AN ACTION IN COURT, THE RIGHT TO HAVE DISPUTES DECIDED BY A JUDGE OR JURY, AND THE RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS.

ALL CLAIMS AND DISPUTES ARISING UNDER THESE TERMS MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS. CLAIMS OF MORE THAN ONE USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER USER.

ARBITRATION IS MANDATORY AND IS THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS OTHERWISE SPECIFIED IN SECTION 18 BELOW.

These Terms of Service ("Terms," "Agreement," or "Terms of Service") constitute a legally binding agreement between you ("you," "your," "User," or "Customer") and AYO Ventures LLC, a New Mexico limited liability company, doing business as The AI Owners ("The AI Owners," "we," "us," "our," or "Company").

This Agreement governs your access to and use of our websites, mobile applications, online platforms, digital content, courses, programs, coaching services, training materials, educational resources, community forums, live and recorded events, workshops, webinars, and any other products, services, content, or offerings we provide (collectively, the "Services").

By accessing, browsing, registering for, or using any part of the Services, or by clicking "I Agree," "I Accept," or any similar button or checkbox, you acknowledge and agree that:

1. You have read, understood, and agree to be bound by this Agreement in its entirety
2. You have read and understand our Privacy Policy, which is incorporated into this Agreement by reference
3. You consent to the collection, use, and disclosure of your information as described in our Privacy Policy
4. You meet all eligibility requirements set forth in this Agreement
5. If you are entering into this Agreement on behalf of a company, organization, or other legal entity, you have the authority to bind that entity to this Agreement, and references to "you" will refer to that entity

IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU ARE NOT AUTHORIZED TO ACCESS OR USE THE SERVICES AND MUST IMMEDIATELY CEASE ALL USE.

1. Company Information and Contact

Legal Entity: AYO Ventures LLC
Doing Business As: The AI Owners
Business Type: Online Marketing Agency and Educational Services Provider
Principal Address: 1209 Mountain Rd NE, Ste R, Albuquerque, NM 87110, United States General
Contact Email: support@theaiowners.com

For purposes of this Agreement, AYO Ventures LLC is the data controller and service provider responsible for the Services. All references to "we," "us," "our," or "Company" refer to AYO Ventures LLC and, where applicable, its affiliates, subsidiaries, officers, directors, employees, agents, contractors, licensors, and service providers.

2. Scope and Application of Agreement

2.1 Services Covered

This Agreement governs your access to and use of all Services, including but not limited to:

◦ Websites and Digital Properties: All websites, subdomains, landing pages, and web-based platforms operated by or on behalf of The AI Owners
◦ Mobile Applications: Any mobile applications we develop, publish, or distribute
◦ Digital Content and Educational Materials: Courses, training programs, video content, audio content, written materials, templates, worksheets, guides, ebooks, and other educational resources
◦ Coaching and Consulting Services: One-on-one coaching, group coaching, consulting services, and advisory services
◦ Live and Recorded Events: Webinars, workshops, masterclasses, conferences, live training sessions, and recordings thereof
◦ Community Access: Online community forums, discussion boards, member groups, and social features hosted on third-party platforms (such as Circle or similar services)
◦ Software and Tools: Any software applications, tools, calculators, or technology solutions we provide
◦ Support Services: Customer support, technical assistance, and user guidance
◦ Subscription Services: Recurring access to content, community, or other ongoing offerings
◦ Third-Party Integrations: Services that integrate with or connect to third-party platforms

2.2 Entire Agreement

This Agreement, together with our Privacy Policy and any Additional Terms (as defined below), constitutes the entire agreement between you and The AI Owners regarding the Services and supersedes all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the Services.

2.3 Additional Terms and Policies

Certain Services, features, programs, or offerings may be subject to additional terms, conditions, policies, rules, or guidelines ("Additional Terms"). Additional Terms may include:

◦ Program-specific terms and conditions
◦ Community guidelines and rules of conduct
◦ Promotional or offer-specific terms
◦ Event-specific terms and registration requirements
◦ Subscription or membership terms
◦ Third-party platform terms of service

Additional Terms will be presented to you at the time you access or enroll in the applicable Service and are incorporated into this Agreement by reference. In the event of a conflict between this Agreement and any Additional Terms, the Additional Terms will control with respect to the specific Service, feature, or offering to which they apply, and this Agreement will control in all other respects.

2.4 Modifications and Updates

We reserve the right, in our sole discretion, to modify, update, revise, or replace this Agreement at any time for any reason, including but not limited to:

◦ Changes in applicable laws or regulations
◦ Changes to our Services, features, or business practices
◦ Security, safety, or legal compliance requirements
◦ Clarifications or corrections to existing terms
◦ Addition of new terms or provisions

Notice of Changes:

When we make changes to this Agreement, we will:

◦ Update the "Last Updated" date at the top of this Agreement
◦ Post the revised Agreement on our website and make it accessible through the Services
◦ If the changes are material and affect your rights or obligations in a significant way, we will provide additional notice through one or more of the following methods:

◦ Prominent notice on our website or within the Services
◦ Email notification to the address associated with your account
◦ In-app notification or alert
◦ Requirement to affirmatively accept the updated Agreement before continuing to use certain Services

Effective Date of Changes:

Unless we specify a different effective date, changes to this Agreement will become effective:

◦ Immediately upon posting for new users or for non-material changes
◦ Five (5) business days after posting or notice for material changes affecting existing users
◦ On the date specified in the notice for significant changes requiring your affirmative consent

Your Acceptance:

Your continued access to or use of the Services after the effective date of any changes constitutes your acceptance of and agreement to be bound by the revised Agreement. If you do not agree to the revised Agreement, you must immediately stop using the Services and may terminate your account as described in Section 19 below.

Right to Reject Changes:

If you do not agree to material changes to this Agreement, your sole remedy is to discontinue use of the Services and terminate your account. Termination due to disagreement with revised terms does not entitle you to a refund of any fees paid prior to the effective date of the changes, except as expressly required by applicable law.

3. Eligibility and User Representations

3.1 Age Requirement

The Services are intended solely for individuals who are at least eighteen (18) years of age or older. By accessing or using the Services, you represent and warrant that you are at least 18 years of age.

Minors: We do not knowingly collect information from, market to, or provide Services to individuals under the age of 18. If you are under 18 years of age, you are not permitted to access or use the Services. If we become aware that a user is under 18, we will promptly terminate that user's account and delete any associated information.

Parental Responsibility: If you are a parent or legal guardian and believe that your child under the age of 18 has accessed or used the Services, please contact us immediately at support@theaiowners.com.

3.2 Legal Capacity

By using the Services, you represent and warrant that:

◦ You have the legal capacity and authority to enter into binding contracts under applicable law
◦ You are not legally prohibited from accessing or using the Services under the laws of your jurisdiction or under U.S. law
◦ You are not subject to any legal restrictions, sanctions, or prohibitions that would prevent you from using the Services
◦ If you are entering into this Agreement on behalf of a company, organization, or other legal entity, you have the legal authority to bind that entity to this Agreement

3.3 Business or Entity Accounts

If you are using the Services on behalf of a business, company, organization, or other legal entity:

◦ You represent and warrant that you are an authorized representative of that entity with the authority to bind the entity to this Agreement
◦ The entity agrees to be bound by this Agreement
◦ Both you individually and the entity are jointly and severally liable for compliance with this Agreement
◦ References to "you" and "your" in this Agreement refer to both you as an individual and the entity you represent

3.4 Geographic and Jurisdictional Restrictions

The Services are controlled and operated from the United States. We make no representation that the Services are appropriate, available, or legal for use in all locations. If you access the Services from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

We reserve the right to limit the availability of the Services or any portion thereof to any person, geographic area, or jurisdiction, at any time and in our sole discretion.

3.5 Prohibited Users

You are not eligible to use the Services if:

◦ You have previously been suspended or banned from the Services
◦ Your account has been terminated for violation of this Agreement or applicable law
◦ You are a competitor of The AI Owners seeking to access the Services for competitive intelligence, research, or similar purposes (unless you have obtained our prior written consent)
◦ You are located in, or are a resident of, any jurisdiction where your use of the Services would be prohibited by applicable law, regulation, or sanction

3.6 User Warranties

By accessing or using the Services, you represent, warrant, and covenant that:

◦ All information you provide to us is true, accurate, current, and complete
◦ You will maintain and promptly update your information to keep it accurate and current
◦ You will use the Services only for lawful purposes and in compliance with this Agreement
◦ You will not use the Services in any manner that could damage, disable, overburden, or impair our servers or networks
◦ You will not attempt to gain unauthorized access to any portion of the Services, other users' accounts, or any systems or networks connected to the Services
◦ Your use of the Services will not violate any applicable law, regulation, ordinance, or contractual obligation

4. Account Registration and Security

4.1 Account Creation

To access certain features of the Services, you may be required to create an account ("Account"). Account creation and maintenance are subject to the following terms:

Registration Information:

When creating an Account, you must provide accurate, complete, and current information, including:

◦ Full legal name
◦ Valid email address
◦ Password meeting our security requirements
◦ Billing information (if applicable)
◦ Any other information requested during registration

Account Approval:

All Accounts are issued at our sole discretion. We reserve the right to refuse registration, deny Account creation, or revoke Account access for any reason, including but not limited to:

◦ Provision of false, inaccurate, or incomplete information
◦ Violation of this Agreement or applicable law
◦ Suspicious or fraudulent activity
◦ Previous suspension or termination from the Services
◦ Use of the Services in a manner detrimental to other users or to The AI Owners

4.2 Account Credentials and Security

Confidentiality:

Your Account credentials (username and password) are personal and confidential. You agree to:

◦ Keep your Account credentials secure and confidential
◦ Not share your Account credentials with any third party
◦ Not allow any third party to access your Account
◦ Use a strong, unique password that is not used for other services
◦ Change your password immediately if you suspect unauthorized access

Personal and Non-Transferable:

Your Account is personal to you and may not be:

◦ Transferred, sold, or assigned to another person or entity
◦ Used by anyone other than you
◦ Shared with family members, friends, colleagues, or business associates
◦ Used to provide access to third parties

Unauthorized Access:

You must notify us immediately if you become aware of:

◦ Any unauthorized use of your Account or Account credentials
◦ Any security breach or vulnerability affecting your Account
◦ Any loss, theft, or unauthorized disclosure of your Account credentials

To report unauthorized access, contact us at support@theaiowners.com with "Security Alert" in the subject line.

4.3 Account Responsibility

You are solely and fully responsible for:

◦ All activities that occur under your Account, whether authorized by you or not
◦ All content posted, uploaded, or transmitted through your Account
◦ All purchases, subscriptions, and transactions made through your Account
◦ All communications sent from your Account
◦ Maintaining the security and confidentiality of your Account credentials
◦ Any liabilities, damages, losses, or expenses arising from use of your Account

No Liability for Unauthorized Use:

We are not responsible or liable for any loss, damage, or liability arising from unauthorized use of your Account, whether or not you were aware of such unauthorized use. You agree to indemnify and hold us harmless from any claims, losses, or damages arising from unauthorized use of your Account.

4.4 Account Information Accuracy

You agree to:

◦ Provide accurate, truthful, current, and complete information during registration and at all times while ◦ using the Services
◦ Promptly update your Account information to maintain its accuracy and completeness
◦ Notify us of any changes to your contact information, billing information, or other Account details

We reserve the right to:

◦ Verify the accuracy of information you provide
◦ Request additional information or documentation to verify your identity or Account information
◦ Suspend or terminate Accounts associated with false, inaccurate, or misleading information

4.5 Account Suspension and Termination

We reserve the right, in our sole discretion and without prior notice or liability, to:

◦ Suspend or restrict access to your Account temporarily or permanently
◦ Terminate your Account and delete all associated data
◦ Refuse to provide Services to you in the future

Reasons for suspension or termination may include, but are not limited to:

◦ Violation of this Agreement or any Additional Terms
◦ Violation of applicable law or regulation
◦ Fraudulent, abusive, or harmful conduct
◦ Chargebacks, payment disputes, or non-payment
◦ Provision of false or misleading information
◦ Harassment of other users or our staff
◦ Attempts to circumvent security measures or access restrictions
◦ Use of the Services in a manner detrimental to other users or to The AI Owners
◦ Inactivity for an extended period

Suspension or termination does not relieve you of any payment obligations or liabilities incurred prior to suspension or termination.

5. User Obligations and Acceptable Use

5.1 Lawful Use

You agree to use the Services only for lawful purposes and in accordance with this Agreement. You agree not to use the Services:

◦ In any way that violates any applicable federal, state, local, or international law, statute, ordinance, or regulation
◦ To engage in any conduct that is fraudulent, deceptive, misleading, or harmful
◦ To infringe upon or violate the intellectual property rights, privacy rights, or other rights of any third party
◦ In any manner that could disable, overburden, damage, or impair the Services or interfere with any other party's use of the Services

5.2 Prohibited Conduct

Without limiting the generality of the foregoing, you expressly agree not to:

Access and Security Violations:

◦ Access or attempt to access any portion of the Services to which you are not authorized
◦ Circumvent, disable, or interfere with security-related features or features that prevent or restrict use or copying of content
◦ Use any robot, spider, scraper, crawler, or other automated means to access the Services
◦ Probe, scan, or test the vulnerability of the Services or any system or network
◦ Breach or attempt to breach any security or authentication measures
◦ Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the Services

Content Violations:

◦ Copy, reproduce, distribute, republish, download, display, post, or transmit any content from the Services except as expressly permitted
◦ Modify, adapt, translate, or create derivative works based on the Services or any content
◦ Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices
◦ Frame or mirror any part of the Services without our prior written authorization
◦ Use any content from the Services for commercial purposes without our express written permission

Account and Access Violations:

◦ Share your Account credentials or provide access to your Account to any third party
◦ Create multiple Accounts or create Accounts using false or misleading information
◦ Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity
◦ Use another user's Account without permission
◦ Sell, transfer, or assign your Account or any access rights

Harmful Conduct:

◦ Upload, post, transmit, or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable
◦ Transmit any viruses, worms, malware, or other malicious code
◦ Interfere with or disrupt the Services or servers or networks connected to the Services
◦ Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services
◦ Harass, threaten, stalk, or harm other users

Commercial and Competitive Violations:

◦ Use the Services for any commercial purpose not expressly permitted by this Agreement
◦ Resell, rent, lease, sublicense, or otherwise commercialize access to the Services
◦ Use the Services to compete with The AI Owners or to develop competing products or services
◦ Collect or harvest information about users without their consent
◦ Use the Services to send spam, unsolicited communications, or promotional materials

Legal and Regulatory Violations:

◦ Violate any applicable laws regarding export control, sanctions, or trade restrictions
◦ Engage in money laundering, terrorist financing, or other financial crimes
◦ Violate any laws regarding privacy, data protection, or consumer protection
◦ Use the Services to facilitate or promote illegal activities

5.3 Enforcement

We reserve the right, but not the obligation, to:

◦ Monitor, review, and investigate any suspected violations of this Agreement
◦ Take appropriate action in response to violations, including warning, suspension, or termination
◦ Remove or disable access to any content that violates this Agreement
◦ Report violations to law enforcement or regulatory authorities
◦ Cooperate with law enforcement investigations

Violations of this Section may result in immediate termination of your Account and access to the Services without refund, as well as potential civil or criminal liability.

6. Payments, Fees, and Billing

6.1 Fees and Pricing

Certain Services require payment of fees ("Fees"). Fees may include:

◦ One-time purchase fees for courses, programs, or content
◦ Recurring subscription fees for ongoing access
◦ Registration fees for events, workshops, or webinars
◦ Coaching or consulting service fees
◦ Upgrade or add-on fees

Pricing:

◦ All Fees are stated in U.S. Dollars (USD) unless otherwise specified
◦ Pricing is displayed on our website, checkout pages, or enrollment materials
◦ We reserve the right to change pricing at any time for future purchases, subscriptions, or renewals
◦ Price changes do not affect existing subscriptions or purchases until the next renewal period

Billing Frequency:

◦ One-time fees are billed at the time of purchase
◦ Subscription fees are billed on a recurring basis (monthly, quarterly, annually, or as otherwise specified)
◦ Recurring billing continues until you cancel your subscription or we terminate your access

6.2 Payment Processing

Third-Party Payment Processors:

Payments are processed through third-party payment processing platforms, which may include but are not limited to:

◦ Whop: whop.com
◦ Fanbasis: fanbasis.com
◦ Elective: elective.com
◦ Stripe: stripe.com
◦ PayPal: paypal.com

We may add, remove, or change payment processors at any time without notice.

Payment Processor Terms:

Your use of payment processing services is subject to the payment processor's own terms of service, privacy policy, and acceptable use policy. We are not responsible for the acts, omissions, policies, or practices of any payment processor.

Payment Information:

◦ You authorize the payment processor to charge your designated payment method for all Fees
◦ You represent and warrant that you have the legal right to use the payment method you provide
◦ You agree to provide current, complete, and accurate payment information
◦ You agree to promptly update your payment information if it changes or expires

Payment Security:

◦ We do not directly collect, process, or store full credit card numbers or sensitive payment information
◦ Payment information is handled by the payment processor in accordance with applicable payment card industry standards (PCI-DSS)
◦ We may receive limited payment information from the processor, such as billing name, address, last four digits of the card, card type, and transaction status

6.3 Authorization and Billing

Payment Authorization:

By providing payment information and completing a purchase or subscription, you:

◦ Authorize us (through our payment processor) to charge your payment method for all applicable Fees
◦ Authorize recurring charges for subscription services until you cancel
◦ Agree that Fees may be charged in advance of service delivery
◦ Acknowledge that the amount billed may vary due to promotional offers, changes in subscription plans, or changes in applicable taxes

Automatic Renewal:

Subscription services automatically renew at the end of each billing period unless you cancel prior to the renewal date. By subscribing, you authorize us to charge your payment method automatically for each renewal period.

Failed Payments:

If a payment fails or is declined:

◦ We may attempt to process the payment again at a later time
◦ We may suspend or terminate your access to the Services until payment is received
◦ You remain responsible for any uncollected amounts
◦ You may be charged late fees or interest as described below

6.4 Taxes and Additional Charges

Your Tax Responsibility:

You are responsible for all taxes, duties, tariffs, assessments, and governmental charges (collectively, "Taxes") imposed by any jurisdiction in connection with your purchase or use of the Services, excluding only taxes based solely on our net income.

Taxes may include, without limitation:

◦ Sales tax, use tax, value-added tax (VAT), or goods and services tax (GST)
◦ Withholding taxes
◦ Import duties or customs fees

If we are required to collect or pay Taxes on your behalf, such Taxes will be charged to you in addition to the Fees. You agree to provide any tax identification information we may reasonably request.

Late Fees and Interest:

If any Fees remain unpaid after the due date, we may charge:

◦ A late fee of the lesser of 1.5% per month (18% per annum) or the maximum rate permitted by applicable law
◦ Interest on overdue amounts at the rate described above
◦ Collection costs, including reasonable attorneys' fees, incurred in collecting overdue amounts

Late fees and interest are intended as a reasonable estimate of our costs and losses associated with late payment and not as a penalty.

6.5 Refunds, Cancellations, and Chargebacks

No Refund Policy:

UNLESS EXPLICITLY STATED OTHERWISE IN WRITING FOR A SPECIFIC OFFER, PROGRAM, OR SERVICE, ALL SALES ARE FINAL, NON-REFUNDABLE, AND NON-TRANSFERABLE.

By completing a purchase or subscription, you acknowledge and agree that:

◦ You are committing to the full term, access period, and pricing disclosed at the time of purchase
◦ You will not be entitled to a refund if you change your mind, do not use the Services, or are dissatisfied with the Services
◦ Fees paid are non-refundable even if you do not access or use the Services
◦ No refunds will be provided for partial use, early termination, or cancellation

Limited Money-Back Guarantees (If Applicable):

Certain specific offers, programs, or services may include a limited money-back guarantee. A guarantee applies only if it is explicitly and prominently stated on the offer page, checkout page, sales page, or in your signed enrollment agreement

If a money-back guarantee is offered, it is subject to strict conditions, which may include but are not limited to:

◦ Eligibility Requirements:

◦ Timely payment of all Fees without chargebacks or payment disputes
◦ Completion of all required activities, assignments, or milestones
◦ Active participation and engagement as defined in the program terms
◦ Submission of documented proof of implementation and results
◦ Compliance with all program requirements and deadlines

◦ Time Limitations:

◦ Request must be submitted within the specified guarantee period (e.g., 30 days, 60 days, 90 days from purchase or program start date)
◦ Request must be submitted in writing to the contact information specified in the guarantee terms
◦ Late requests will not be honored

◦ Documentation Requirements:

◦ Detailed explanation of efforts made to implement the strategies or materials
◦ Evidence of completion of required activities
◦ Proof of results or lack thereof
◦ Any other documentation specified in the guarantee terms

◦ Exclusions:

◦ Guarantees do not apply to services already rendered, content already accessed, or events already attended
◦ Guarantees may not apply if you violate this Agreement or engage in fraudulent or abusive conduct
◦ We reserve the right to deny guarantee claims that do not meet all specified conditions

If no money-back guarantee is explicitly stated for your purchase, no refund or guarantee of any kind applies.

Subscription Cancellations:

If you purchase a subscription service with recurring billing:

◦ You may cancel future renewals at any time through your Account settings or the billing platform
◦ Cancellation stops future charges but does not refund any Fees already paid
◦ Cancellation does not entitle you to a prorated refund for the current billing period
◦ You will retain access to the Services until the end of the current paid period
◦ After cancellation, your access will terminate at the end of the current billing period

To cancel a subscription, follow the cancellation instructions provided by the payment processor or contact us at support@theaiowners.com.

Chargebacks and Payment Disputes:

You agree not to initiate chargebacks, payment disputes, or reversals with your bank or payment provider for authorized purchases unless you have a valid legal basis (such as unauthorized use of your payment method).

If you initiate a chargeback or payment dispute:

◦ We reserve the right to immediately suspend or terminate your access to the Services
◦ We may provide documentation to the payment processor or financial institution to contest the chargeback
◦ You will be responsible for any chargeback fees, administrative costs, or other expenses we incur
◦ You may be permanently banned from future use of the Services
◦ We may pursue legal action to recover amounts owed, plus costs and attorneys' fees

Fraudulent Chargebacks:

Initiating a chargeback for an authorized purchase when you are not entitled to a refund under this Agreement may constitute fraud. We reserve the right to report fraudulent chargebacks to law enforcement and credit reporting agencies and to pursue all available legal remedies.

6.6 Promotional Offers and Discounts

We may offer promotional pricing, discounts, coupons, or special offers from time to time. Unless otherwise stated:

◦ Promotional offers are subject to additional terms and conditions
◦ Offers may be limited in time, quantity, or eligibility
◦ Offers cannot be combined with other promotions unless explicitly stated
◦ We reserve the right to modify or cancel promotions at any time
◦ Promotional pricing does not apply retroactively to prior purchases

6.7 Free Trials

We may offer free trials or limited-time access to certain Services. Free trials are subject to the following terms:

◦ Free trials are available only to new users or as otherwise specified
◦ Only one free trial per person, household, or payment method
◦ You may be required to provide payment information to start a free trial
◦ If you do not cancel before the end of the trial period, you will be automatically charged for a subscription at the then-current rate
◦ We reserve the right to terminate free trials at any time without notice

7. Intellectual Property Rights

7.1 Ownership of Services and Content

All content, materials, features, functionality, software, code, designs, graphics, logos, trademarks, service marks, trade names, text, images, videos, audio, data, information, and other elements of the Services (collectively, "Company Content" or "Our Content") are owned by or licensed to AYO Ventures LLC and are protected by United States and international intellectual property laws, including but not limited to copyright, trademark, patent, trade secret, and other proprietary rights laws.

Company Content includes, without limitation:

◦ Website design, layout, and user interface
◦ Software, code, algorithms, and technology
◦ Courses, training materials, and educational content
◦ Videos, audio recordings, and multimedia content
◦ Written materials, guides, templates, and worksheets
◦ Branding elements, logos, and trademarks
◦ Proprietary methodologies, frameworks, and systems

All rights not expressly granted to you in this Agreement are reserved by The AI Owners.

7.2 Limited License to Users

Subject to your compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services and Company Content solely for your personal, non-commercial use or internal business use as expressly permitted by this Agreement.

This license permits you to:

◦ Access and view Company Content through the Services
◦ Download content explicitly designated as downloadable for your personal or internal business use
◦ Participate in community features and interactive elements
◦ Use materials provided as part of purchased programs or courses for your own implementation

This license does not permit you to:

◦ Copy, reproduce, distribute, republish, or redistribute Company Content
◦ Modify, adapt, translate, or create derivative works based on Company Content
◦ Sell, rent, lease, sublicense, or otherwise commercialize Company Content or access to the Services
◦ Share your Account or provide access to Company Content to third parties
◦ Use Company Content for any commercial purpose not expressly authorized
◦ Remove, alter, or obscure any proprietary notices or labels

7.3 Restrictions on Use

You agree not to:

◦ Use Company Content in any manner that infringes our intellectual property rights or the rights of any third party
◦ Reverse engineer, decompile, disassemble, or attempt to derive the source code of any software or technology used in the Services
◦ Circumvent or disable any digital rights management, security features, or access control mechanisms
◦ Frame, mirror, or embed any portion of the Services on any other website or platform without our prior written consent
◦ Use automated tools (bots, scrapers, crawlers) to access, download, or extract Company Content
◦ Create a database by systematically downloading and storing Company Content
◦ Use Company Content to train artificial intelligence or machine learning models without our express written permission
◦ Incorporate Company Content into any product, service, or offering you provide to third parties

7.4 Trademarks

"The AI Owners," "AYO Ventures," and all related logos, product names, service names, designs, and slogans are trademarks, service marks, or trade dress of AYO Ventures LLC or its licensors. You may not use any of our trademarks, service marks, or trade dress without our prior written permission.

All other trademarks, service marks, and trade names referenced in the Services are the property of their respective owners.

7.5 User Content Ownership and License

Your Ownership:

You retain ownership of any content, materials, information, feedback, suggestions, ideas, comments, posts, messages, images, videos, or other materials you submit, upload, post, or otherwise make available through the Services ("User Content").

License Grant to Us:

By submitting User Content through the Services, you grant to The AI Owners a worldwide, non-exclusive, royalty-free, fully paid, perpetual, irrevocable, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly perform, and publicly display your User Content in any media or format, whether now known or later developed, for the purposes of:

◦ Operating, providing, maintaining, and improving the Services
◦ Displaying your User Content within the Services and community features
◦ Promoting and marketing the Services
◦ Developing new products, services, and features
◦ Any other purpose related to our business operations

Testimonials and Reviews:

If you provide testimonials, reviews, success stories, or similar content, you grant us the additional right to use your name, likeness, image, and User Content in our marketing and promotional materials, on our website, in advertisements, and in any other media, without compensation to you.

User Content Representations:

By submitting User Content, you represent and warrant that:

◦ You own or have the necessary rights, licenses, consents, and permissions to submit the User Content and to grant the license described above
◦ Your User Content does not infringe, misappropriate, or violate any intellectual property rights, privacy rights, publicity rights, or other rights of any third party
◦ Your User Content complies with this Agreement and all applicable laws
◦ Your User Content does not contain any viruses, malware, or other harmful code

7.6 User Content Monitoring and Removal

We have no obligation to monitor, review, or edit User Content. However, we reserve the right, in our sole discretion and without prior notice or liability, to:

◦ Monitor, review, and screen User Content for compliance with this Agreement
◦ Remove, delete, edit, or disable access to any User Content that violates this Agreement or applicable law
◦ Remove User Content that we deem, in our sole discretion, to be harmful, offensive, inappropriate, or otherwise objectionable
◦ Preserve and disclose User Content to law enforcement, regulatory authorities, or in legal proceedings

We are not responsible or liable for any User Content posted by you or any other user. You are solely responsible for your User Content and the consequences of posting or publishing it.

7.7 Copyright Infringement and DMCA

We respect the intellectual property rights of others and expect users to do the same. If you believe that any content on the Services infringes your copyright, you may submit a notice of alleged infringement under the Digital Millennium Copyright Act (DMCA).

DMCA Notice Requirements:

To submit a valid DMCA notice, please provide the following information in writing to our designated Copyright Agent:

1. A physical or electronic signature of the copyright owner or a person authorized to act on their behalf
2. Identification of the copyrighted work claimed to have been infringed (or, if multiple works, a representative list)
3. Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material (such as a URL)
4. Your contact information, including name, address, telephone number, and email address
5. A statement that you have a good-faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law
6. A statement that the information in the notice is accurate, and under penalty of perjury, that you are authorized to act on behalf of the copyright owner

AYO Ventures LLC
Attn: Copyright Agent / Legal Department
1209 Mountain Rd NE, Ste R
Albuquerque, NM 87110
United States
Email: support@theaiowners.com

Counter-Notice:

If you believe that content you posted was wrongly removed due to a DMCA notice, you may submit a counter-notice. Counter-notices must comply with DMCA requirements and will be handled in accordance with applicable law.

Repeat Infringer Policy:

We will terminate the accounts of users who are repeat infringers of intellectual property rights.

8. Educational Nature of Services and Disclaimers

8.1 Educational and Informational Purpose

The Services, including all content, materials, programs, courses, coaching, and other offerings, are provided for educational, informational, and general guidance purposes only. The information provided through the Services is not intended to be, and should not be construed as, professional advice of any kind.

8.2 No Professional Advice

WE DO NOT PROVIDE:

◦ Legal Advice: Nothing in the Services constitutes legal advice or creates an attorney-client relationship. You should consult a licensed attorney for legal advice specific to your situation.
◦ Financial Advice: We do not provide financial planning, investment advice, or recommendations regarding specific financial products or investments. Consult a licensed financial advisor for personalized financial advice.
◦ Tax or Accounting Advice: We do not provide tax preparation, tax planning, or accounting services. Consult a licensed tax professional or accountant for advice on your tax situation.
◦ Business Consulting: While we may provide business education and training, we do not act as your business consultant or advisor with fiduciary duties.

You Should Seek Professional Advice:

Always seek the advice of qualified professionals with any questions you may have regarding:

◦ Legal matters and compliance with applicable laws
◦ Financial decisions and investments
◦ Tax planning and reporting
◦ Accounting and bookkeeping
◦ Regulatory compliance
◦ Any other specialized professional area

Never disregard professional advice or delay seeking it because of content you have accessed through the Services.

8.3 No Guarantees of Results

WE MAKE NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES REGARDING:

◦ Income, revenue, profits, or financial results you may achieve
◦ Business growth, success, or specific outcomes
◦ The effectiveness or applicability of strategies, methods, or techniques taught in the Services
◦ The accuracy, completeness, reliability, or timeliness of any information provided
◦ The results any other user has achieved or may achieve

Individual Results Vary:

Your results will depend on many factors, including but not limited to:

◦ Your individual skills, experience, knowledge, and abilities
◦ Your effort, dedication, time commitment, and execution
◦ Your business model, niche, market, and target audience
◦ Your financial resources and investment capacity
◦ Market conditions, competition, and economic factors
◦ Timing, location, and external circumstances beyond your or our control
◦ Compliance with applicable laws and regulations

No Guarantees Based on Testimonials or Examples:

Any testimonials, case studies, examples, success stories, or results shared through the Services are:

◦ Provided for illustrative and educational purposes only
◦ Not typical or average results
◦ Not guarantees or promises of results you will achieve
◦ Based on individual circumstances that may not apply to you

You acknowledge and agree that past performance or results achieved by others are not indicative of future results you may achieve.

8.4 Your Sole Responsibility

YOU ARE SOLELY AND EXCLUSIVELY RESPONSIBLE FOR:

◦ All decisions you make based on information provided through the Services
◦ The implementation and execution of any strategies, methods, or techniques
◦ Evaluating the suitability, applicability, and legality of any information for your specific circumstances
◦ Complying with all applicable laws, regulations, and industry standards in your business or professional activities
◦ The success or failure of your business or endeavors
◦ Any risks, losses, or damages you may incur

You assume all risks associated with your use of the Services and any actions you take based on information provided through the Services.

8.5 Risks and Uncertainties

Business, marketing, and entrepreneurial activities involve inherent risks and uncertainties, including but not limited to:

◦ Financial loss or investment loss
◦ Business failure or lack of profitability
◦ Market changes and competitive pressures
◦ Regulatory changes and legal compliance issues
◦ Technology failures and security breaches
◦ Reputational harm

You acknowledge and accept these risks and agree that we are not responsible or liable for any such risks or outcomes.

9. Third-Party Services, Platforms, and Links

9.1 Third-Party Platforms

The Services may integrate with, connect to, or be hosted on third-party platforms, including but not limited to:

◦ Community Platforms: Circle, Discord, Slack, or similar platforms for hosting online communities
◦ Payment Processors: Stripe, PayPal, Whop, Fanbasis, Elective, and other payment processing services
◦ Video and Content Hosting: YouTube, Vimeo, Wistia, and other media hosting platforms
◦ Learning Management Systems: Teachable, Kajabi, Thinkific, or similar platforms
◦ Communication Tools: Zoom, Google Meet, Calendly, and other scheduling or video conferencing tools
◦ Social Media Platforms: Facebook, Instagram, LinkedIn, Twitter/X, and other social networks

9.2 Third-Party Terms and Policies

Your use of any third-party platform or service is subject to:

◦ The third party's own terms of service, privacy policy, acceptable use policy, and other terms and conditions
◦ The third party's data collection, use, and sharing practices
◦ The third party's security, availability, and performance standards

You are responsible for:

◦ Reviewing and complying with all third-party terms and policies
◦ Creating and maintaining accounts with third-party platforms as required
◦ Paying any fees charged by third parties for their services
◦ Resolving any disputes with third parties directly

9.3 No Control or Responsibility

We do not control, operate, endorse, sponsor, or take responsibility for any third-party platforms, services, websites, or content. We are not responsible or liable for:

◦ The availability, functionality, performance, or security of third-party services
◦ The accuracy, completeness, or legality of third-party content
◦ The acts, omissions, policies, or practices of third parties
◦ Any loss, damage, or harm arising from your use of third-party services
◦ Changes, interruptions, or discontinuation of third-party services
◦ Data breaches, security incidents, or privacy violations by third parties

9.4 Links to Third-Party Websites

The Services may contain links to third-party websites, resources, or content. These links are provided for your convenience only. We do not:

◦ Endorse, sponsor, or recommend any linked third-party websites or content
◦ Control the content, policies, or practices of linked websites
◦ Make any representations or warranties about linked websites

Your use of any third-party website is at your own risk. We encourage you to review the terms of service and privacy policy of any third-party website you visit.

9.5 Third-Party Offerings

We may make available or promote third-party products, services, or offerings through the Services ("Third-Party Offerings"). Third-Party Offerings may include:

◦ Affiliate products or services we recommend
◦ Partner programs or joint ventures
◦ Integrations with third-party tools or software

Unless expressly stated otherwise:

◦ We are not the provider of Third-Party Offerings
◦ We do not guarantee the quality, legality, or performance of Third-Party Offerings
◦ Your relationship with the third-party provider is governed by their terms and policies
◦ We are not responsible for any disputes, issues, or problems with Third-Party Offerings

If we receive compensation (such as affiliate commissions or referral fees) for promoting Third-Party Offerings, we will disclose this where required by law.

10. Community Guidelines and User Conduct

10.1 Community Standards

If you participate in community features of the Services (such as forums, discussion groups, comment sections, or member areas), you agree to conduct yourself in a respectful, professional, and lawful manner.

Expected Conduct:

◦ Be respectful, courteous, and considerate of other community members
◦ Contribute constructively to discussions and interactions
◦ Respect differing opinions, perspectives, and backgrounds
◦ Follow all instructions and guidelines provided by moderators or administrators
◦ Report violations of community guidelines to our support team

Prohibited Conduct:

You may not post, upload, transmit, or otherwise make available any User Content that:

◦ Is unlawful, fraudulent, deceptive, misleading, or harmful
◦ Infringes or violates any intellectual property rights, privacy rights, publicity rights, or other rights of any third party
◦ Contains viruses, malware, or other harmful or malicious code
◦ Is defamatory, libelous, obscene, pornographic, indecent, or sexually explicit
◦ Is hateful, discriminatory, harassing, threatening, abusive, or offensive based on race, ethnicity, national origin, religion, gender, sexual orientation, disability, age, or any other protected characteristic
◦ Promotes violence, illegal activities, self-harm, or harm to others
◦ Contains unsolicited advertising, spam, promotional materials, or commercial solicitations
◦ Impersonates any person or entity or falsely represents your affiliation with any person or entity
◦ Discloses personal information of others without their consent
◦ Violates any applicable law, regulation, or third-party rights

10.2 Moderation and Enforcement

We reserve the right, but not the obligation, to:

◦ Monitor, review, and moderate community content and interactions
◦ Remove, edit, or disable access to any User Content that violates this Agreement or community guidelines
◦ Warn, suspend, or permanently ban users who violate community standards
◦ Report illegal activity to law enforcement or regulatory authorities
◦ Take any other action we deem appropriate to maintain a safe and respectful community environment

We are not obligated to monitor or moderate User Content, and we are not responsible or liable for any User Content posted by users. However, we may choose to do so at our discretion.

10.3 Reporting Violations

If you become aware of any User Content or conduct that violates this Agreement or community guidelines, please report it to us immediately at support@theaiowners.com with "Community Violation Report" in the subject line. Include as much detail as possible, including:

◦ Description of the violation
◦ Username or account of the violating user
◦ Link to or screenshot of the violating content
◦ Date and time of the violation

We will investigate reports and take appropriate action, but we are not obligated to take any specific action or to notify you of the outcome.

11. Privacy and Data Protection

11.1 Privacy Policy

Your privacy is important to us. Our collection, use, disclosure, and protection of your personal information is governed by our Privacy Policy, which is incorporated into this Agreement by reference.

By using the Services, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

Please review our Privacy Policy carefully. It explains:

◦ What information we collect and how we collect it
◦ How we use and share your information
◦ Your privacy rights and choices
◦ How we protect your information
◦ How to contact us with privacy questions or concerns

Our Privacy Policy is available at Privacy Policy.

11.2 Data Security

While we implement reasonable security measures to protect your information, you acknowledge and agree that:

◦ No method of transmission over the Internet or electronic storage is 100% secure
◦ We cannot guarantee absolute security of your information
◦ You provide information to us at your own risk
◦ You are responsible for maintaining the security of your Account credentials

11.3 Communications and Consent

By creating an Account or using the Services, you consent to receive electronic communications from us, including:

◦ Transactional emails (order confirmations, account notifications, service updates)
◦ Marketing emails (newsletters, promotional offers, product announcements)
◦ SMS/text messages (if you provide your phone number and consent)
◦ Push notifications (if you enable them in your device settings)

You may opt out of marketing communications as described in our Privacy Policy and in the communications themselves. However, you may not opt out of transactional or service-related communications that are necessary for your use of the Services.

12. Disclaimers and Warranties

12.1 "AS IS" and "AS AVAILABLE" Basis

THE SERVICES, INCLUDING ALL CONTENT, MATERIALS, FEATURES, FUNCTIONALITY, AND OFFERINGS, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

12.2 Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

◦ Implied Warranties of Merchantability: We do not warrant that the Services are merchantable or suitable for any particular purpose
◦ Implied Warranties of Fitness for a Particular Purpose: We do not warrant that the Services will meet your specific needs or requirements
◦ Implied Warranties of Non-Infringement: We do not warrant that the Services do not infringe third-party rights (although we will defend against valid infringement claims as described in the Indemnification section)
◦ Warranties of Title: We do not warrant that you will acquire any ownership rights in the Services or Company Content
◦ Warranties of Accuracy or Completeness: We do not warrant that content provided through the Services is accurate, complete, current, or error-free
◦ Warranties of Uninterrupted or Error-Free Operation: We do not warrant that the Services will operate without interruption, errors, bugs, or defects
◦ Warranties of Security: We do not warrant that the Services are free from viruses, malware, or other harmful components
◦ Warranties of Availability: We do not warrant that the Services will be available at all times or in all locations

12.3 No Warranty of Results

WE DO NOT WARRANT, GUARANTEE, OR PROMISE:

◦ Any specific results, outcomes, income, revenue, profits, or business success from your use of the Services
◦ That the information provided through the Services is suitable, applicable, or appropriate for your specific situation
◦ That the strategies, methods, or techniques taught through the Services will be effective for you
◦ That you will achieve any particular level of success or results

12.4 Third-Party Warranties

We disclaim all responsibility and liability for any warranties, representations, or guarantees made by third parties, including third-party platforms, service providers, or partners..

12.5 Limitations on Disclaimers

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain rights. If you are located in such a jurisdiction:

◦ The disclaimers and limitations in this Section may not apply to you to the extent prohibited by applicable law
◦ You may have additional rights that cannot be waived by contract
◦ Our disclaimers and limitations will apply to the maximum extent permitted by applicable law

12.6 California Civil Code Section 1542 Waiver

If you are a California resident, you expressly waive and relinquish all rights and benefits under Section 1542 of the California Civil Code, which states:

"A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."

You acknowledge that you may have claims against us that you do not know or suspect to exist at the time you agree to this Agreement, and you expressly waive any rights you may have under Section 1542 or any similar statute in any jurisdiction.

13. Limitation of Liability

13.1 No Liability for Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL AYO VENTURES LLC, THE AI OWNERS, OR ANY OF OUR PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, SERVICE PROVIDERS, SUCCESSORS, OR ASSIGNS (COLLECTIVELY, THE "RELEASED PARTIES") BE LIABLE TO YOU OR ANY THIRD PARTY FOR:

◦ Indirect Damages: Any indirect, incidental, consequential, special, exemplary, or punitive damages
◦ Loss of Profits: Loss of profits, revenue, income, business, or anticipated savings
◦ Loss of Data: Loss, corruption, or unauthorized access to data or information
◦ Loss of Goodwill: Loss of goodwill, reputation, or business opportunities
◦ Intangible Losses: Any other intangible losses or damages

This limitation applies regardless of:

◦ The legal theory on which the claim is based (contract, tort, negligence, strict liability, or otherwise)
◦ Whether we have been advised or should have been aware of the possibility of such damages
◦ The success or effectiveness of other remedies

13.2 Cap on Total Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE RELEASED PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE SERVICES WILL NOT EXCEED THE GREATER OF:

1. One Hundred U.S. Dollars ($100.00), or
2. The Total Amount You Paid to Us for access to the Services in the thirty (30) days immediately preceding the event giving rise to the claim

This cap applies:

◦ To all claims in the aggregate, not per claim or incident
◦ Regardless of the number of claims you bring
◦ Regardless of the legal theory on which the claims are based
◦ Even if the limited remedies provided in this Agreement fail of their essential purpose

13.3 Basis of the Bargain

You acknowledge and agree that:

◦ The disclaimers and limitations of liability in this Agreement are fundamental elements of the basis of the bargain between you and us
◦ We would not provide the Services or enter into this Agreement without these limitations
◦ These limitations are reasonable allocations of risk that form an essential basis of our agreement
◦ The Fees you pay (if any) reflect these allocations of risk and limitations of liability

13.4 Exceptions

The limitations of liability in this Section do not apply to:

◦ Liability that cannot be excluded or limited by law, such as:

◦ Death or personal injury caused by our negligence or willful misconduct
◦ Fraud or fraudulent misrepresentation
◦ Gross negligence or willful misconduct
◦ Violations of consumer protection laws that prohibit limitation of liability
◦ Any other liability that cannot be excluded or limited under applicable law

◦ Your indemnification obligations under Section 14below

◦ Your payment obligations under Section 6 above

13.5 Jurisdictional Variations

Some jurisdictions do not allow the exclusion or limitation of incidental, consequential, or certain other types of damages. If you are located in such a jurisdiction:

◦ The limitations in this Section may not apply to you to the extent prohibited by applicable law
◦ Our liability will be limited to the maximum extent permitted by applicable law
◦ You may have additional rights that cannot be waived by contract

13.6 Allocation of Risk

The Released Parties will not be liable for any failure or delay in performing obligations under this Agreement due to causes beyond our reasonable control, including but not limited to:

◦ Acts of God, natural disasters, pandemics, epidemics, or public health emergencies
◦ War, terrorism, civil unrest, or government actions
◦ Strikes, labor disputes, or supply chain disruptions
◦ Power outages, telecommunications failures, or Internet service provider failures
◦ Cyberattacks, hacking, or security breaches affecting third-party services
◦ Failures or interruptions of third-party platforms, payment processors, or service providers

14. Indemnification

14.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless the Released Parties (as defined in Section 13.1 above) from and against any and all claims, demands, actions, suits, proceedings, losses, liabilities, damages, judgments, settlements, costs, expenses, and fees (including reasonable attorneys' fees, court costs, expert fees, and litigation expenses) arising out of or relating to:

1. Your use of the Services, including any access to or use of the Services by you or anyone using your Account or Account credentials
2. Your User Content, including any content you submit, post, upload, or make available through the Services
3. Your violation of this Agreement, including any breach of your representations, warranties, or obligations
4. Your violation of any applicable law, regulation, ordinance, or third-party right, including but not limited to intellectual property rights, privacy rights, publicity rights, or contractual rights
5. Your business activities, including any products, services, advertising, marketing, or business practices you engage in based on information obtained through the Services
6. Disputes with other users, including any claims arising from your interactions with other users of the Services
7. Third-party claims arising from your use of the Services or your conduct in connection with the Services

14.2 Defense and Settlement

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. If we do so:

◦ You agree to cooperate fully with our defense of such matter
◦ You will not settle any such matter without our prior written consent
◦ We may settle any such matter on terms we deem appropriate, in our sole discretion

If we do not assume defense of a matter:.

◦ You will keep us informed of the status of the matter
◦ You will not settle the matter without our prior written consent (which will not be unreasonably withheld)
◦ You will not make any admission of liability or fault on our behalf

14.3 Notice

You agree to promptly notify us in writing of any claim or potential claim subject to indemnification under this Section. However, your failure to provide prompt notice will not relieve you of your indemnification obligations unless such failure materially prejudices our ability to defend the claim.

15. Termination and Suspension

15.1 Termination by You

You may terminate this Agreement and your Account at any time by:

◦ Following the account deletion or cancellation process within your Account settings
◦ Contacting us at support@theaiowners.com with a termination request
◦ Ceasing all use of the Services

Termination by you does not:

◦ Entitle you to a refund of any Fees paid (except as expressly provided in Section 6.5)
◦ Relieve you of any payment obligations or liabilities incurred prior to termination
◦ Affect any licenses or rights we have to User Content you submitted prior to termination

15.2 Termination by Us

We may terminate or suspend your access to the Services, including your Account, at any time, with or without cause, with or without notice, and with or without liability, in our sole discretion.

Reasons for termination or suspension may include, but are not limited to:

◦ Violation of this Agreement or any Additional Terms
◦ Violation of applicable law or regulation
◦ Fraudulent, abusive, harmful, or illegal conduct
◦ Non-payment of Fees or chargebacks
◦ Provision of false or misleading information
◦ Harassment of other users or our staff
◦ Attempts to circumvent security measures or access restrictions
◦ Use of the Services in a manner detrimental to other users or to The AI Owners
◦ Inactivity for an extended period
◦ Any other reason we deem appropriate in our sole discretion

15.3 Effect of Termination

Upon termination of this Agreement for any reason:

1. Your rights terminate immediately: All rights and licenses granted to you under this Agreement will immediately terminate
2. You must cease use: You must immediately cease all access to and use of the Services
3. Account deletion: We may delete your Account and all associated data, including User Content
4. Payment obligations: All Fees and amounts due or payable by you under this Agreement will become immediately due and payable
5. Return or destruction of materials: You must immediately return to us or destroy (at our option) all confidential information, materials, and content you obtained from the Services
6. No refunds: Termination does not entitle you to a refund of any Fees paid prior to termination (except as expressly provided in Section 6.5)
7. Data deletion: We may delete your User Content and other data associated with your Account, subject to our data retention obligations under applicable law

15.4 Suspension

Without limiting our right to terminate, we may also suspend your access to your Account or the Services temporarily, with or without notice, for any reason described in Section 15.2 above or for any other reason we deem appropriate.

During suspension:

◦ You will not be able to access your Account or the Services
◦ Your payment obligations will continue
◦ We may investigate the circumstances that led to the suspension
◦ We may terminate your Account if the suspension is not resolved

15.5 Survival

The following Sections of this Agreement will survive termination:

◦ Section 1 (Company Information and Contact)
◦ Section 6 (Payments, Fees, and Billing) – to the extent of any outstanding payment obligations
◦ Section 7 (Intellectual Property Rights)
◦ Section 8 (Educational Nature of Services and Disclaimers)
◦ Section 9 (Third-Party Services, Platforms, and Links)
◦ Section 12 (Disclaimers and Warranties)
◦ Section 13 (Limitation of Liability)
◦ Section 14 (Indemnification)
◦ Section 15 (Termination and Suspension) – this subsection
◦ Section 16 (Feedback)
◦ Section 18 (Dispute Resolution and Arbitration)
◦ Section 19 (Class Action and Jury Trial Waiver)
◦ Section 20 (Governing Law and Jurisdiction)
◦ Section 21 (Statute of Limitations)
◦ Section 22 (General Provisions)
◦ Any other provisions that by their nature should survive termination

16. Feedback and Suggestions

16.1 Voluntary Feedback

From time to time, you may choose to provide us with feedback, suggestions, ideas, comments, testimonials, reviews, recommendations, or other communications regarding the Services ("Feedback"). All Feedback is entirely voluntary.

16.2 License to Feedback

By providing Feedback, you grant to us a worldwide, perpetual, irrevocable, royalty-free, fully paid, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display the Feedback in any media or format, whether now known or later developed, for any purpose whatsoever, including but not limited to:

◦ Improving, modifying, or developing the Services
◦ Creating new products, services, or features
◦ Marketing and promotional purposes
◦ Any other business purpose

16.3 No Obligation or Compensation

We have no obligation to:

◦ Review, consider, or implement any Feedback
◦ Compensate you for any Feedback
◦ Keep Feedback confidential (unless it is otherwise protected under a separate confidentiality agreement)
◦ Attribute Feedback to you

You acknowledge and agree that we may already be developing or may in the future develop ideas, concepts, or products similar to your Feedback, and you waive any claims based on similarities between your Feedback and our products or services.

16.4 Testimonials and Marketing Use

If you provide testimonials, success stories, reviews, or case studies, you grant us the additional right to:

◦ Use your name, likeness, image, business name, and other identifying information in connection with the testimonial
◦ Publish and display the testimonial on our website, in marketing materials, in advertisements, on social media, and in any other media
◦ Edit, modify, or excerpt the testimonial for clarity, length, or other purposes

You represent and warrant that any testimonial you provide is truthful, accurate, and based on your genuine experience with the Services.

17. Force Majeure

We will not be liable for any failure or delay in performing our obligations under this Agreement to the extent such failure or delay is caused by events, circumstances, or causes beyond our reasonable control ("Force Majeure Event").

Force Majeure Events include, but are not limited to:

◦ Acts of God, including natural disasters (earthquakes, hurricanes, floods, fires, etc.)Pandemics, epidemics, or public health emergencies
◦ War, terrorism, civil unrest, riots, or insurrection
◦ Government actions, including laws, regulations, orders, embargoes, or sanctions
◦ Strikes, labor disputes, or work stoppages
◦ Power outages, telecommunications failures, or Internet service disruptions
◦ Cyberattacks, hacking, denial-of-service attacks, or other security incidents
◦ Failures or interruptions of third-party services, platforms, or infrastructure
◦ Supply chain disruptions or unavailability of materials or resources
◦ Any other event or circumstance beyond our reasonable control

Effect of Force Majeure:

◦ Our performance obligations will be suspended for the duration of the Force Majeure Event
◦ We will use commercially reasonable efforts to resume performance as soon as reasonably practicable
◦ We will not be liable for any delays, failures, losses, or damages caused by Force Majeure Events
◦ If a Force Majeure Event continues for more than thirty (30) days, either party may terminate this Agreement upon written notice to the other party

18. Dispute Resolution and Arbitration (continued)

18.2 Binding Arbitration (continued)

Agreement to Arbitrate:

Except as otherwise provided in this Section, you and we agree that any Dispute will be resolved exclusively through binding arbitration in accordance with this Section, rather than in court. This agreement to arbitrate is intended to be broadly interpreted and includes, but is not limited to, disputes arising from or relating to:

◦ The interpretation, applicability, enforceability, or formation of this Agreement
◦ Your use of or access to the Services
◦ Any purchases, subscriptions, or transactions
◦ Any representations, warranties, or promises made by us
◦ Our Privacy Policy or handling of your personal information
◦ Any advertising, marketing, or promotional materials
◦ The breach, termination, or validity of this Agreement
◦ Any statutory, regulatory, or common law claims

Arbitration Administration:

The arbitration will be administered by the American Arbitration Association ("AAA") in accordance with the AAA's Consumer Arbitration Rules (the "AAA Rules") then in effect, except as modified by this Agreement. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879.

If the AAA is unavailable or unwilling to administer the arbitration, the parties will mutually agree on an alternative arbitration administrator. If the parties cannot agree, a court of competent jurisdiction will appoint an arbitration administrator

Arbitration Procedures:

◦ Single Arbitrator: The arbitration will be conducted before a single neutral arbitrator selected in accordance with the AAA Rules
◦ Location: The arbitration will be conducted in Bernalillo County, New Mexico, unless otherwise required by applicable law or agreed by the parties. If you reside outside the United States, the arbitration may be conducted telephonically or via video conference
◦ Language: The arbitration will be conducted in English
◦ Governing Law: The arbitration will be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the "FAA"), and the substantive laws of the State of New Mexico (without regard to conflict of laws principles)
◦ Discovery: Discovery will be permitted to the extent provided by the AAA Rules and as ordered by the arbitrator
◦ Hearing: Either party may request an in-person, telephonic, or video conference hearing. If no hearing is requested, the arbitration may be conducted based on written submissions
◦ Award: The arbitrator will issue a written decision stating the essential findings and conclusions upon which the award is based. The arbitrator's decision will be final and binding on the parties, except as provided by the FAA
◦ Costs: Each party will be responsible for its own attorneys' fees and costs, unless the arbitrator awards fees and costs to the prevailing party as permitted by applicable law or this Agreement

Arbitration Fees:

◦ If you initiate arbitration, you will be responsible for paying the applicable AAA filing fee
◦ If the amount of the Dispute is $10,000 or less, we will reimburse you for the AAA filing fee if the arbitrator finds in your favor
◦ We will pay all other AAA administrative fees and arbitrator fees, unless the arbitrator determines that your claims were frivolous or brought in bad faith

Arbitrator's Authority:

The arbitrator will have the authority to:

◦ Grant any relief that would be available in court under law or in equity, including injunctive or declaratory relief, but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim
◦ Award monetary damages and any other relief authorized by applicable law
◦ Award attorneys' fees and costs to the prevailing party if authorized by applicable law or this Agreement

The arbitrator will not have the authority to:

◦ Award relief to anyone other than the parties to the arbitration
◦ Consolidate more than one person's claims or preside over any form of representative or class proceeding
◦ Award punitive or exemplary damages except where authorized by statute

Enforcement of Award:

The arbitrator's award may be entered as a judgment in any court of competent jurisdiction. Either party may seek to enforce the award in any court having jurisdiction.

18.3 Exceptions to Arbitration

Notwithstanding the agreement to arbitrate, either party may bring an action in court in the following circumstances:

Small Claims Court:

Either party may bring an individual action in small claims court if the claim qualifies for small claims court jurisdiction and remains in small claims court.

Intellectual Property Claims:

Either party may bring an action in court to protect or enforce its intellectual property rights, including claims for trademark infringement, copyright infringement, patent infringement, trade secret misappropriation, or similar claims.

Injunctive or Equitable Relief:

Either party may seek temporary, preliminary, or permanent injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm, pending the outcome of arbitration.

Claims Not Subject to Arbitration:

Any claim that, by law, cannot be subject to binding arbitration may be brought in court.

18.4 Arbitration Opt-Out

You have the right to opt out of binding arbitration within thirty (30) days of the date you first accept this Agreement.

To opt out, you must send a written notice to us at:

AYO Ventures LLC
Attn: Arbitration Opt-Out
1209 Mountain Rd NE, Ste R
Albuquerque, NM 87110
United States
Email: support@theaiowners.com

Your opt-out notice must include:

◦ Your full name
◦ Your email address and mailing address
◦ The date you first accepted this Agreement
◦ A clear statement that you wish to opt out of the arbitration agreement

YouIf you opt out:

◦ You will not be bound by the arbitration provisions of this Agreement
◦ Disputes will be resolved in court as described in Section 20 below
◦ All other terms of this Agreement will remain in full force and effect
◦ Your opt-out will not affect any prior arbitration agreements you may have entered into with us

If you do not opt out within the 30-day period, you will be bound by the arbitration provisions of this Agreement.

18.5 Changes to Arbitration Provisions

Notwithstanding Section 2.4 (Modifications and Updates), if we make any material changes to this arbitration provision (other than a change to our address for notices), you may reject the change by sending us written notice within thirty (30) days of the change to the address specified in Section 18.4. If you reject the change, your Account will be governed by the arbitration provision in effect at the time you first accepted this Agreement (or the most recent version you did not reject).

19. Class Action and Jury Trial Waiver

19.1 Class Action Waiver

YOU AND WE AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, REPRESENTATIVE, OR COLLECTIVE ACTION OR PROCEEDING.

This means:

◦ You may not participate in a class action lawsuit against us
◦ You may not serve as a class representative or class member in a class action against us
◦ You may not consolidate your claims with the claims of other users
◦ The arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding
◦ The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim

Severability of Class Action Waiver:

If a court or arbitrator determines that the class action waiver in this Section is unenforceable as to any particular claim or request for relief, then only that claim or request for relief must be severed from the arbitration and may be brought in court, while any other claims or requests for relief remain subject to arbitration. If a court or arbitrator determines that the class action waiver is unenforceable as to all claims and requests for relief, then the entire arbitration agreement in Section 18 is void and unenforceable, and all claims and disputes will be resolved in court as described in Section 20.

19.2 Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND WE EACH WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES, WHETHER IN CONTRACT, TORT, OR OTHERWISE.

This waiver applies to:

◦ Any claims brought in court (if not subject to arbitration)
◦ Any claims brought in small claims court that are later removed to a court of general jurisdiction
◦ Any action to enforce or challenge an arbitration award

Acknowledgment:

You acknowledge and agree that:

◦ This jury trial waiver is knowing, voluntary, and made in the best interests of both parties
◦ You have had the opportunity to consult with legal counsel regarding this waiver
◦ You understand that you are giving up the right to have disputes decided by a jury
◦ This waiver is a material inducement for us to enter into this Agreement

19.3 No Class Arbitrations or Proceedings

THERE WILL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT, HEARD, OR ARBITRATED AS A CLASS ACTION, REPRESENTATIVE ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY.

No arbitration or proceeding will be combined or consolidated with another arbitration or proceeding without the prior written consent of all parties to all affected arbitrations or proceedings.

20. Governing Law and Jurisdiction

20.1 Governing Law

This Agreement and any Dispute arising out of or relating to this Agreement or the Services will be governed by and construed in accordance with:

◦ The Federal Arbitration Act, 9 U.S.C. §§ 1-16, to the extent applicable to arbitration provisions
◦ The laws of the State of New Mexico, without regard to its conflict of laws principles
◦ Federal laws of the United States, to the extent applicable

The application of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.

20.2 Exclusive Jurisdiction and Venue

For any claims or disputes not subject to arbitration (as described in Section 18.3), you and we agree that:

◦ Exclusive jurisdiction and venue will be in the state and federal courts located in Bernalillo County, New Mexico, United States
◦ You irrevocably consent and submit to the personal jurisdiction of such courts
◦ You waive any objection to jurisdiction or venue in such courts
◦ You waive any claim that such courts are an inconvenient forum

Exception for Enforcement of Arbitration Awards:

Either party may seek to enforce an arbitration award in any court having jurisdiction over the parties and the subject matter.

20.3 International Users

If you are accessing or using the Services from outside the United States:

◦ You acknowledge that the Services are controlled and operated from the United States
◦ You consent to the transfer, storage, and processing of your information in the United States
◦ You agree that the laws of New Mexico and the United States will govern this Agreement and any disputes
◦ You waive any rights or defenses based on the laws of your country of residence, except to the extent such rights cannot be waived under applicable mandatory law

21. Statute of Limitations

YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION AROSE, OR IT WILL BE FOREVER BARRED, REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY.

This means:

◦ You must initiate arbitration or file a lawsuit within one year of when the claim accrued
◦ The one-year period begins when you knew or should have known of the facts giving rise to the claim
◦ If you do not file within one year, you permanently lose the right to bring the claim

Exception:

This limitation period does not apply to claims that, by law, cannot be subject to a contractual limitations period, or to the extent a longer period is required by applicable mandatory law.

22. General Provisions

22.1 Entire Agreement

This Agreement, together with our Privacy Policy and any Additional Terms applicable to specific Services, constitutes the entire agreement between you and us regarding the Services and supersedes all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the Services.

22.2 Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction:

◦ The invalid, illegal, or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable
◦ If such modification is not possible, the provision will be severed from this Agreement
◦ The remaining provisions of this Agreement will remain in full force and effect
◦ The invalidity, illegality, or unenforceability of any provision will not affect the validity or enforceability of any other provision

Special Severability for Arbitration and Class Action Waiver:

The severability of the arbitration provisions and class action waiver is specifically addressed in Sections 18 and 19.

22.3 Waiver

Our failure or delay in exercising any right, power, or privilege under this Agreement will not operate as a waiver of such right, power, or privilege. No waiver will be effective unless it is in writing and signed by an authorized representative of The AI Owners.

A waiver of any breach or default under this Agreement will not constitute a waiver of any other or subsequent breach or default. No single or partial exercise of any right, power, or privilege will preclude any other or further exercise of that or any other right, power, or privilege.

22.4 Assignment

Your Rights:

You may not assign, transfer, delegate, or sublicense this Agreement or any of your rights or obligations under this Agreement, whether voluntarily or by operation of law, without our prior written consent. Any attempted assignment, transfer, delegation, or sublicense without such consent will be null and void.

Our Rights:

We may freely assign, transfer, delegate, or sublicense this Agreement or any of our rights or obligations under this Agreement, in whole or in part, without your consent or notice to you, including in connection with:

◦ A merger, acquisition, consolidation, or sale of assets
◦ A corporate reorganization or restructuring
◦ A change of control or ownership
◦ By operation of law

22.5 No Third-Party Beneficiaries

This Agreement is for the sole benefit of you and us (and our respective successors and permitted assigns) and does not create any third-party beneficiary rights in any other person or entity, except that the Released Parties (as defined in Section 13.1) are intended third-party beneficiaries of the disclaimers, limitations of liability, and indemnification provisions of this Agreement.

22.6 Independent Contractors

You and we are independent contractors. This Agreement does not create any partnership, joint venture, employment, agency, franchise, or fiduciary relationship between you and us. Neither party has the authority to bind the other or to incur any obligation on the other's behalf without the other's prior written consent.

22.7 Notices

Notices to You:

We may provide notices to you:

◦ By email to the email address associated with your Account
◦ By posting a notice on our website or within the Services
◦ By in-app notification or alert
◦ By postal mail to the address associated with your Account
◦ By any other method permitted by applicable law

Notices sent by email will be deemed given twenty-four (24) hours after the email is sent, unless we receive notice that the email was not delivered. Notices posted on our website or within the Services will be deemed given upon posting.

Notices to Us:

You may provide notices to us:

If a money-back guarantee is offered, it is subject to strict conditions, which may include but are not limited to:

◦ By email to support@theaiowners.com
◦ By postal mail to:

AYO Ventures LLC
Attn: Legal Department
1209 Mountain Rd NE, Ste R
Albuquerque, NM 87110
United States

Notices sent to us will be deemed given when actually received by us.

Legal Notices:

Notices related to legal matters, disputes, or arbitration must be sent by email and postal mail to the addresses specified above and must include:

◦ Your full name and contact information
◦ Your Account information (if applicable)
◦ A detailed description of the notice or claim
◦ Any supporting documentation

22.8 Language and Interpretation

This Agreement is drafted in English. In the event of any conflict between the English version and any translation, the English version will prevail to the extent permitted by applicable law.

Rules of Interpretation:

◦ Section headings are for reference and convenience only and do not affect the interpretation of this Agreement
◦ The words "include," "includes," and "including" mean "including, but not limited to"
◦ The singular includes the plural and vice versa
◦ References to "or" are inclusive (meaning "and/or") unless the context clearly requires otherwise
◦ References to "days" mean calendar days unless otherwise specified
◦ References to "writing" or "written" include electronic communications

22.9 Electronic Signatures and Records

You consent to the use of electronic signatures, records, and disclosures in connection with this Agreement and your use of the Services. This consent applies to:

◦ This Agreement and any amendments or modifications
◦ Notices, disclosures, and communications
◦ Receipts, invoices, and transaction records
◦ Any other documents or communications related to the Services

You agree that electronic signatures, records, and disclosures have the same legal effect as paper signatures and records.

Right to Withdraw Consent:

You may withdraw your consent to electronic records by contacting us at support@theaiowners.com. However, withdrawal of consent may result in termination of your access to the Services.

System Requirements:

To access and retain electronic records, you will need:

◦ A device with Internet access
◦ A current web browser with cookies enabled
◦ A valid email address
◦ Sufficient storage space to save records or a printer to print them

22.10 Export Controls

You agree to comply with all applicable export and import control laws and regulations, including but not limited to the Export Administration Regulations maintained by the U.S. Department of Commerce and the sanctions programs administered by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC).

You represent and warrant that you are not:

◦ Located in, or a resident of, any country subject to U.S. embargo or sanctions
◦ Identified on any U.S. government list of prohibited or restricted parties
◦ Subject to any prohibition on receiving U.S. exports or services

22.11 Government End Users

If you are a U.S. government end user, the Services and any related software or documentation are "commercial items" as that term is defined at 48 C.F.R. § 2.101, consisting of "commercial computer software" and "commercial computer software documentation" as such terms are used in 48 C.F.R. § 12.212 or 48 C.F.R. § 227.7202 (as applicable). Consistent with 48 C.F.R. § 12.212 or 48 C.F.R. §§ 227.7202-1 through 227.7202-4, the Services are provided to U.S. government end users with only those rights as are granted to other users under this Agreement.

22.12 Force Majeure

As described in Section 17, we will not be liable for any failure or delay in performing our obligations under this Agreement due to Force Majeure Events.

22.13 Equitable Relief

You acknowledge that any breach of Sections 5 (User Obligations and Acceptable Use) or 7 (Intellectual Property Rights) may cause irreparable harm to us for which monetary damages would be an inadequate remedy. Accordingly, we will be entitled to seek equitable relief, including injunctive relief and specific performance, in addition to all other remedies available at law or in equity, without the need to post a bond or prove actual damages.

22.14 Survival

In addition to the provisions specified in Section 15.5, any provision of this Agreement that by its nature should survive termination will survive, including but not limited to provisions relating to intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, governing law, and general provisions.

22.15 Relationship to Other Agreements

If you have entered into any other agreement with us or our affiliates (an "Additional Agreement"), this Agreement does not affect your relationship under the Additional Agreement, and the Additional Agreement will remain in full force and effect, provided that:

◦ Unless explicitly stated otherwise in the Additional Agreement, the terms of this Agreement will control with respect to the Services covered by this Agreement
◦ In the event of a conflict between this Agreement and an Additional Agreement regarding the Services, this Agreement will control unless the Additional Agreement expressly states that it supersedes this Agreement

22.16 Amendments

Except as provided in Section 2.4 (Modifications and Updates), this Agreement may be amended or modified only by a written agreement signed by authorized representatives of both parties.

22.17 Counterparts

This Agreement may be executed in counterparts, each of which will be deemed an original and all of which together will constitute one and the same instrument. Electronic signatures will have the same legal effect as original signatures.

23. Contact Information

If you have any questions, concerns, or requests regarding this Agreement or the Services, please contact us:

General Inquiries and Support:

Email: support@theaiowners.com

Legal Notices and Disputes:

AYO Ventures LLC
Attn: Legal Department
1209 Mountain Rd NE, Ste R
Albuquerque, NM 87110
United States
Email: support@theaiowners.com

Privacy-Related Inquiries:

Email: support@theaiowners.com

AYO Ventures LLC
Attn: Legal Department
1209 Mountain Rd NE, Ste R
Albuquerque, NM 87110
United States
Email: support@theaiowners.com

Arbitration Opt-Out Notices:

AYO Ventures LLC
Attn: Legal Department
1209 Mountain Rd NE, Ste R
Albuquerque, NM 87110
United States
Email: support@theaiowners.com

We will make commercially reasonable efforts to respond to all inquiries within ten (10) business days for general inquiries and within the time frames required by applicable law for legal notices and privacy requests.

24. Acknowledgment and Acceptance

BY CLICKING "I AGREE," "I ACCEPT," OR ANY SIMILAR BUTTON OR CHECKBOX, OR BY ACCESSING OR USING THE SERVICES, YOU ACKNOWLEDGE THAT:

1. You have read and understood this Agreement in its entirety
2. You have had the opportunity to review this Agreement and consult with legal counsel if desired
3. You agree to be bound by all terms and conditions of this Agreement
4. You meet all eligibility requirements set forth in Section 3
5. You have read and understand our Privacy Policy
6. You consent to the collection, use, and disclosure of your information as described in our Privacy Policy
7. You understand and agree to the arbitration provisions, class action waiver, and jury trial waiver in Sections 18 and 19
8. You understand that you have the right to opt out of arbitration within 30 days as described in Section 18.4
9. You understand that all sales are final and non-refundable unless a specific money-back guarantee is expressly stated
10. You accept all disclaimers, limitations of liability, and other terms set forth in this Agreement

IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU ARE NOT AUTHORIZED TO ACCESS OR USE THE SERVICES AND MUST IMMEDIATELY CEASE ALL USE.

END OF TERMS OF SERVICE

Thank you for taking the time to read our Terms of Service. We are committed to providing valuable Services and maintaining a fair and transparent relationship with our users. If you have any questions or concerns about these Terms, please do not hesitate to contact us.

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