Terms and Conditions

1.Description of Services

The Company offers educational and personal/business development products and services, including but not limited to:

• Pre-recorded and live digital courses
• Individual and group mentorship programs
• Individual and group coaching sessions
• Webinars, masterclasses, and virtual events
• Memberships with access to exclusive content
• Ebooks, guides, and downloadable resources
• Consulting, automation, and digital infrastructure services
• Any other digital product or service the Company currently offers or may offer in the future

Available services, their prices, and conditions may be modified by the Company at any time without prior notice, except for commitments already made.

2.Eligibility and Legal Capacity

To use the Platforms and acquire any product or service, the User must:

• Be 18 years of age or older, or have reached the legal age of majority in their jurisdiction.
• Have full legal capacity to enter into binding contracts.
• Not be subject to any legal prohibition preventing the acquisition of the services offered.

The Company cannot verify the age of its users. Use of the Platforms by minors is the sole responsibility of their parents or legal guardians.

3.Purchases, Payments, and Access

All prices are stated in United States Dollars (USD) unless expressly indicated otherwise. By making a purchase, the User authorizes the charge for the amount agreed upon at the time of the transaction.

• Payments are processed through secure payment providers. The Company does not directly store credit or debit card data.
• For installment-based products, the User authorizes recurring charges according to the selected plan. Failure to pay two (2) or more consecutive installments will result in immediate suspension of access to all products acquired under that plan, with no right to a refund for payments already made.
• Access to digital products is granted once payment is confirmed. The Company does not guarantee permanent availability of content and reserves the right to update, modify, or remove content without prior notice.

4.Refund Policy

Given the digital and immediately accessible nature of the products and services offered, the Company applies the following refund policy:

Pre-recorded digital courses and programs:

• The User has 15 calendar days from the date of purchase to request a full refund, with no justification required. After that period, no refunds will be granted, as these are digital products with immediate access. Approved refunds will be processed according to the timelines of the authorized payment platform and the payment method used.

Memberships:

• The first effective charge is subject to a 15-calendar-day guarantee. After that period, no refunds will be granted. The User may cancel at any time to avoid future charges.

Webinars, masterclasses, and live virtual events:

• No refunds are granted for live virtual events once the event has started. If the event is cancelled by the Company, the User will receive a full credit applicable to any product or service on the Platforms.

One-on-one coaching and personalized mentorship:

• Sessions cancelled with less than 24 hours' notice are non-refundable. Sessions not used within the agreed period will be forfeited with no right to refund or rescheduling.

Credit in lieu of refund:

• In exceptional cases, at the Company's sole discretion, a credit equivalent to the amount paid may be offered, applicable toward the purchase of other products or services on the Platforms, instead of a cash refund.

To request a refund, the User must write to [email protected] within the applicable period, indicating the order number, product purchased, and reason for the request. Requests submitted after the deadline or that do not meet the requirements will be denied.

5.Promotional Communications

By registering for or purchasing any product or service through the Platforms, the User gives express consent to receive electronic communications from Cosmos Digital Group LLC and the brands operating under it, including emails, SMS messages, and WhatsApp messages with educational, promotional, and commercial content.

Should relationships with affiliated or partner entities be established in the future, the User agrees from now on that their contact information may be shared with such entities for promotional purposes, with the ability to opt out at any time.

The User may unsubscribe from promotional communications at any time by clicking the unsubscribe link included in any email, replying "STOP" to any SMS message, or directly managing their subscription from the platform or application where the service was purchased.

6.Intellectual Property

All content available on the Platforms, including but not limited to text, images, videos, audio, presentations, course materials, ebooks, logos, trademarks, designs, methodologies, and any other material ("Content"), is the exclusive property of Cosmos Digital Group LLC or its licensors, and is protected by copyright, trademark, and other intellectual property laws applicable in the United States and internationally.

It is expressly prohibited to:

• Reproduce, copy, distribute, publish, or transmit any Content without the Company's prior written authorization.
• Share access credentials, passwords, or course materials with third parties.
• Resell, sublicense, or commercially exploit any Content acquired.
• Create derivative works based on the Content without express authorization.
• Remove or alter copyright notices, trademarks, or other indications of ownership.
• Use the name, image, voice, or brand of Poli Benarb or Cosmos Digital Group for commercial purposes without written authorization.

Violation of these restrictions will result in immediate termination of the User's access and may result in civil and/or criminal legal action by the Company. The Company reserves the right to claim damages to the fullest extent permitted by law.

7.General Disclaimer

The content, programs, mentorships, courses, ebooks, and any other material offered through the Platforms are exclusively educational and informational in nature. The Company, its representatives, employees, collaborators, and affiliates:

• Do not provide legal, financial, investment, medical, psychological, nutritional, or any other professional advice. No content on the Platforms should be construed as such.
• Do not guarantee that the use of the materials or services will produce any specific results of any kind.
• Are not responsible for decisions made by the User based on the content of the Platforms.
• Are not liable for direct, indirect, incidental, special, consequential, or punitive damages arising from the use or inability to use the Platforms or their content.

For specific professional advice on legal, financial, medical, or psychological matters, the User should consult a licensed professional in the relevant field.

8.Earnings Disclaimer

The Company may present testimonials, success stories, and results from past clients for illustrative purposes only. These results are not typical and do not constitute a guarantee or promise of similar results for any User.

• Results obtained by other participants depend on multiple individual factors including, without limitation, personal effort, prior experience, market conditions, available resources, and personal circumstances.
• The Company does not guarantee any level of income, financial success, business growth, or specific outcome resulting from the use of its products or services.
• All content related to economic or professional results is presented for educational and inspirational purposes only.
• The User assumes full responsibility for any economic and professional decisions made as a result of using the Company's products and services.

Testimonials published on the Platforms are real client experiences, but they do not represent average or guaranteed results. Individual results will vary.

9.Limitation of Liability

To the fullest extent permitted by applicable law, the Company's total liability to the User for any claim arising from the use of the Platforms or the products and services purchased shall be limited to the amount actually paid by the User to the Company in the six (6) months preceding the event giving rise to the claim.

The Company shall not be liable under any circumstances for:

• Indirect, incidental, special, consequential, or punitive damages.
• Loss of revenue, profits, data, business opportunities, or goodwill.
• Damages resulting from the inability to access or use the Platforms.
• Damages caused by viruses, malware, or unauthorized access to the User's systems.
• Statements or conduct of third parties on the Platforms.

10.Disclaimer of Warranties

The Platforms and all their content and services are provided "as is" and "as available," without warranties of any kind, express or implied. The Company expressly disclaims all implied warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted availability.

The Company does not warrant that the Platforms will be free of errors, interruptions, viruses, or other harmful components, or that any defects will be corrected.

11.Indemnification

The User agrees to defend, indemnify, and hold harmless Cosmos Digital Group LLC, its officers, employees, contractors, representatives, and affiliates from any claim, demand, damage, loss, cost, or expense (including reasonable attorneys' fees) arising from or related to:

• The User's use or misuse of the Platforms.
• The User's violation of these Terms.
• Infringement of third-party rights, including intellectual property rights.
• Any content submitted, posted, or transmitted by the User through the Platforms.
• Any third-party claim arising from the User's actions.

12.Force Majeure

The Company shall not be liable for delays, interruptions, or failures resulting from causes beyond its reasonable control, including but not limited to: natural disasters, pandemics, technological infrastructure failures, third-party service disruptions, government actions, armed conflicts, strikes, or any other force majeure event. Under such circumstances, the Company will make reasonable efforts to notify affected Users and to restore service as quickly as possible.

13.Class Action Waiver

The User expressly waives the right to participate in class actions or representative proceedings against the Company. All claims must be brought solely in an individual capacity.

14.Mandatory Arbitration

Any dispute, controversy, or claim arising from or related to these Terms, the Platforms, or the Company's products and services shall be resolved exclusively through individual binding arbitration, administered in accordance with the rules of the American Arbitration Association (AAA), in the city of Wayne, State of New Jersey, United States of America.

Arbitration shall be conducted in Spanish or English, at the User's choice. The arbitration award shall be final and binding, and may be enforced in any court of competent jurisdiction. Arbitration costs shall be borne by each party in accordance with AAA rules, unless otherwise determined by the arbitrator.

Claims for urgent injunctive relief intended to protect the Company's intellectual property rights are excluded from mandatory arbitration and may be brought before courts of competent jurisdiction.

15.Governing Law and Jurisdiction

These Terms shall be governed by and construed exclusively in accordance with the laws of the State of New Jersey, United States of America, without regard to its conflict of laws rules. For any claim not subject to arbitration, the User consents to the exclusive jurisdiction of the federal and state courts located in Passaic County, State of New Jersey.

16.Prohibited Conduct

The User agrees not to use the Platforms for:

• Illegal or fraudulent activities, or activities that violate the rights of third parties.
• Transmitting offensive, defamatory, obscene, or hateful content.
• Impersonating the Company, its representatives, or other users.
• Interfering with the technical operation of the Platforms.
• Collecting data from other users without their consent.
• Using automated tools to access, scrape, or extract data from the Platforms.

Violation of these prohibitions will result in immediate termination of access and may result in legal action.

17.Termination of Access

The Company reserves the right to suspend or terminate the User's access to the Platforms at any time, with or without cause, including but not limited to violation of these Terms. In the event of termination due to cause attributable to the User, no refunds will be issued for amounts paid.

18.Modifications to the Terms

The Company reserves the right to modify these Terms at any time. Changes will be effective upon publication on the Platforms. The "Last updated" date will reflect the current version. Continued use of the Platforms after changes are published constitutes acceptance of those changes. The User is encouraged to review these Terms periodically.

19.Severability and Entire Agreement

If any provision of these Terms is found invalid or unenforceable by a court of competent jurisdiction, the remainder of the Terms shall remain in full force and effect. These Terms constitute the entire agreement between the User and the Company with respect to their subject matter and supersede any prior agreement, written or verbal, on the same subject.