Terms and Conditions

1.Description of Services

The Company offers educational, personal and business development, and technology products and services, including, without limitation:

• Self-guided programs: pre-recorded digital courses without live support.
• Guided programs: pre-recorded courses plus live mentoring or group classes, with rolling enrollment or by cohorts with published start dates.
• Subscription memberships with recurring billing and access to exclusive sessions and content.
• Webinars, masterclasses, video presentations and virtual events.
• Ebooks, guides and downloadable resources.
• Mobile and web applications, including the NEU app.
• Cosmos AI business services: consulting, automation, artificial intelligence agents and digital infrastructure.
• Any other product or service the Company offers now or in the future.

Available services, 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 purchase any product or service, the User must:

• Be at least 18 years old or of legal age in their jurisdiction.
• Have full legal capacity to enter into binding contracts.
• Not be subject to any legal prohibition from purchasing 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 expressed in U.S. dollars (USD) unless expressly stated otherwise. By making a purchase, the User authorizes the charge for the amount agreed at the time of the transaction.

• Payments are processed through secure payment providers. The Company does not store credit or debit card data directly.
• For products with installment plans, the User authorizes recurring charges according to the selected plan. Failure to pay two (2) or more consecutive installments will result in the immediate suspension of access to all products purchased under that plan, with no right to a refund of payments 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 and Guarantee

The Company offers a satisfaction guarantee of seven (7) calendar days from the date of payment, under the following conditions by category:

a) Self-guided and guided programs (pre-recorded courses, with or without live mentoring or classes, with rolling enrollment or by cohorts):

• The User may request a full refund within 7 days of payment, without having to give a reason. After that period no refunds apply, regardless of progress or of the live sessions attended.

b) Subscription memberships (including Neurociencia del Ser):

• They work as a recurring subscription. The User may cancel at any time using their subscription management link or by emailing [email protected]; cancellation stops future charges and the User keeps access until the end of the period already paid. Started periods and payments already made are not refunded. When a membership is included as a bonus of another program, the bonus follows that program's guarantee.

c) NEU app:

• The subscription is purchased exclusively through the Company's website, never inside the app. The rules in paragraph b) apply: cancel at any time, with no refund of the current period.

d) Webinars, masterclasses and live events, free or paid:

• No refunds are granted once the event has started. If the Company cancels it, the User will receive full credit toward any product on the Platforms.

e) Cosmos AI business services:

• They are not covered by this guarantee; they are governed by the proposal, service order or contract signed for each project.

f) Installment plans:

• The 7-day period is counted from the first payment. If the User requests a refund within that period, the amount paid is returned and the plan is canceled. After that period, the User remains obligated to pay the full plan even if they stop using the product.

g) Consumers in the European Union and the United Kingdom:

• They have fourteen (14) days from payment under applicable law. If the law of the User's country of residence grants a longer period, that law shall prevail.

h) Procedure:

• Purchases made on Hotmart: the request is submitted directly at refund.hotmart.com within the applicable period, using the email used for the purchase. Hotmart handles the refund under its own procedures and timelines.
• Purchases made on our Platforms (payments processed by Stripe or other gateways): the request must be sent to [email protected] within the applicable period, stating name, purchase email, product and order number. Approved refunds are processed through the same gateway and payment method used, within the timelines they set.
• In all cases, a refund results in the immediate cancellation of access to the product and its bonuses.

i) Credit instead of refund:

• In exceptional cases and at the Company's sole discretion, credit for the amount paid may be offered, applicable to other products on the Platforms.

4A.Cohorts, Live Sessions and Access Period

• Cohort-based programs have published start dates and schedules. Cohort changes are not allowed. A User who cannot attend a live session will have access to its recording in the members area.
• Access to each program lasts twelve (12) months from purchase, unless the sales page states otherwise. Recordings of live sessions are published within that period.
• The Company may reschedule, replace or deliver in recorded format any live session due to force majeure, holidays, illness, technical failures or organizational reasons, and may appoint another qualified facilitator. These situations do not give rise to a refund.
• Individual mentoring or coaching sessions canceled by the User less than 24 hours in advance are considered used.

4B.Chargebacks and Payment Disputes

The User agrees to contact the Company at [email protected] before initiating any dispute or chargeback with their bank or card issuer. The Company will respond within five (5) business days. A chargeback initiated without completing this procedure, or filed outside the guarantee period, will be considered improper use: the Company will suspend access to all of the User's products, provide the payment gateway with evidence of the purchase and of access, and may claim the costs and fees incurred.

5.Communications

• Email: by registering or purchasing, the User agrees to receive transactional emails (access, receipts, service notices) and, unless they indicate otherwise, educational and promotional emails from the Company and its brands. They may unsubscribe at any time from the link included in each email.
• SMS, WhatsApp and calls: promotional text messages, WhatsApp messages or calls, including those made by artificial intelligence agents with an artificial voice, are only sent when the User has given express written consent through the corresponding checkbox on our forms. Such consent is not a condition of purchase. The User may revoke it by replying "STOP" to an SMS or WhatsApp message, or by emailing [email protected].
• User-initiated conversations: when the User messages or calls us through any channel (WhatsApp, SMS, phone, chat or form), they authorize the Company to reply through that same channel, by people or artificial intelligence agents, to handle their request.
• The Company does not sell or share the User's contact data with third parties for promotional purposes. Data processing is described in the Privacy Policy.

6.Intellectual Property

All content available on the Platforms, including, without limitation, texts, 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.

The following is expressly prohibited:

• Reproducing, copying, distributing, publishing or transmitting any Content without the Company's prior written authorization.
• Sharing login credentials, passwords or course materials with third parties.
• Reselling, sublicensing or commercially exploiting any purchased Content.
• Creating derivative works based on the Content without express authorization.
• Removing or altering copyright, trademark or other proprietary notices.
• Using the name, image, voice or brand of Poli Benarb or Cosmos Digital Group for commercial purposes without written authorization.

Breach of these restrictions will result in the immediate termination of the User's access and may lead to 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, mentoring, courses, ebooks and any other material offered through the Platforms are for educational and informational purposes only. 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 interpreted as such.
• Do not guarantee that the use of the materials or services will produce 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 of, 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 professional licensed in the relevant field.

7A.Artificial Intelligence Agents

The Company uses artificial intelligence agents across any of its brands and Platforms (for example, chat, voice, WhatsApp, SMS or email assistants) to inform, assist, schedule and follow up. The User acknowledges that in those interactions they may be communicating with an automated system and not with a person; that agents may make mistakes; that their responses are informational and do not constitute professional advice or a contractual commitment, unless confirmed in writing by the Company; and that conversations may be recorded for quality, security and service improvement purposes, in accordance with the Privacy Policy.

7B.Recordings and Use of Image

Classes, mentoring sessions, membership sessions and live events may be recorded and made available to participants. By participating, the User consents to their image, voice, name and contributions being included in those recordings and visible to the other participants of that program. The Company will not use the User's image for advertising purposes without their express authorization. The User may keep their camera off and participate in writing if they do not wish to appear.

7C.Communities, Broadcast Channels and Third-Party Platforms

The Company publishes content and operates communities and channels on third-party platforms, such as private groups and broadcast channels on WhatsApp, YouTube, Spotify and other podcast platforms, Instagram, TikTok, Facebook, LinkedIn and Zoom. The User joins, follows or leaves these channels freely and voluntarily, and their participation is also governed by the terms and policies of each platform. Content published there is informational and educational and is subject to the disclaimers in these Terms. Joining a channel or following an account does not constitute the purchase of any service or consent to receive communications outside that platform. Neither the Company, nor Poli Benarb, nor Cosmos AI, nor their programs are sponsored, endorsed, administered by or associated with Meta Platforms, Inc. (Facebook, Instagram, WhatsApp), Google/YouTube, Spotify, TikTok, LinkedIn, Zoom or any other third party. The Company may remove from a community or channel anyone who breaches these Terms or the published community rules.

7D.NEU App

NEU is a meditation and wellness app owned by the Company. Its content is intended for relaxation and personal development; it is not medical or psychological treatment and does not replace the care of a health professional. The subscription is purchased only through the Company's website and is managed under clause 4.c). The Company may update, modify or remove content and features of the app.

8.Earnings Disclaimer

The Company may present testimonials, success stories and results of previous 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 result 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 the economic and professional decisions they make 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 maximum 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 prior to the event giving rise to the claim.

Under no circumstances shall the Company be liable for:

• Indirect, incidental, special, consequential or punitive damages.
• Loss of revenue, profits, data, business opportunities or goodwill.
• Damages arising 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 defects will be corrected.

11.Indemnification

The User agrees to defend, indemnify and hold harmless Cosmos Digital Group LLC, its officers, employees, collaborators, 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.
• The infringement of third-party rights, including intellectual property rights.
• Any content submitted, published 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 arising from causes beyond its reasonable control, including, without limitation: natural disasters, pandemics, technology infrastructure failures, third-party service outages, government actions, armed conflicts, strikes or any other force majeure event. In such circumstances, the Company will make reasonable efforts to notify affected Users and restore service as soon as possible.

13.Class Action Waiver

To the extent permitted by applicable law, the User expressly waives their right to participate in class actions or representative proceedings against the Company. All claims must be brought exclusively on an individual basis.

14.Dispute Resolution and Arbitration

• Prior negotiation: before starting any formal claim, the parties will attempt to resolve it in good faith for thirty (30) days from written notice to [email protected] or to the User's address.
• Arbitration: if not resolved, any dispute related to these Terms, the Platforms or the Company's products and services shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, seated in Wayne, New Jersey, United States, in Spanish or English at the User's choice. The award shall be final and enforceable in any court of competent jurisdiction. Costs shall be allocated under the AAA rules, unless the arbitrator decides otherwise.
• Right to opt out: the User may opt out of this arbitration agreement by sending an email to [email protected] with the subject "Arbitration opt-out" within thirty (30) days of their first purchase.
• Exceptions: small claims court actions and injunctive relief to protect the Company's intellectual property are excluded.
• Nothing herein limits the non-waivable rights granted to the User by the consumer protection laws of their country of residence.

15.Governing Law and Jurisdiction

These Terms are 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 law 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 third-party rights.
• Transmitting offensive, defamatory, obscene or hateful content.
• Impersonating the Company, its representatives or other users.
• Interfering with the technical operation of the Platforms.
• Collecting other users' data without their consent.
• Using automated tools to access, scrape or extract data from the Platforms.

Violation of these prohibitions will result in the immediate termination of access and may lead to 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, without limitation, for violation of these Terms. In case of termination for reasons attributable to the User, no refunds will be made for amounts paid.

17A.Cookies

The Platforms use cookies and similar technologies (including analytics and advertising tools such as Google Analytics and Google Tag Manager) as described in the Cookie Policy, available on each site. The User may accept, reject or configure non-essential cookies through the consent banner and their browser settings.

18.Changes to the Terms

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

19.Severability and Entire Agreement

If any provision of these Terms is held invalid or unenforceable by a competent court, the remaining Terms shall continue in full force and effect. These Terms constitute the entire agreement between the User and the Company regarding their subject matter and supersede any prior agreement, written or oral, on the same subject.