SEE OUR FULL TERMS SITE by following this link: https://changingcourses11.info

These Terms form a legally binding agreement between you (“you,” “your,” or “user”) and Changing Courses 11 LLC(“Company,” “we,” “our,” or “us”). They outline your rights, responsibilities, and available remedies related to our products, platforms, and services.

By accessing or using any of our digital courses, memberships, platforms, websites, or communities (“Services”), you agree to be bound by these Terms and our related policies, including:

• Our Privacy Policy

• Refund Policy

• Community Guidelines

• Business Disclosure Statement

• Any product-specific notices or addenda

These documents are part of this agreement by reference.

We use third-party platforms and tools (e.g., Stripe, Notion, Skool) to provide our Services. By participating, you consent to data sharing necessary for service delivery, in accordance with those platforms' terms and privacy policies.

If you reside in the United States or Canada, you agree to resolve any dispute through individual mediation or small claims court. You waive the right to participate in class actions, jury trials, or class arbitrations. See the Dispute Resolution section for details.

If you reside outside the United States or Canada:

• You acknowledge that you are accessing our content voluntarily and were not directly targeted by our marketing or sales efforts.

• You agree to these Terms in full.

• You agree that any dispute must be resolved in the State of Tennessee, United States, under U.S. law.

Changing Courses 11 exists to equip entrepreneurs, creators, and business owners with transformational education and systems. We provide tools, training, and support designed to empower your personal and professional growth.

If you do not agree with these Terms, you must discontinue use of our Services.

1. Account Creation and Responsibilities

To use our Services, you may be required to create an account. You agree to provide accurate and up-to-date information, including a valid email address. You are responsible for all activity under your account, whether authorized by you or not.

Account sharing, resale, or transfer is strictly prohibited. Your login credentials are for personal use only and must be kept secure.

We are not liable for any losses caused by unauthorized access related to credential sharing or weak security. If you suspect unauthorized use or a security breach, contact us immediately at customer.service@changingcourses11.com. We may request verification to confirm account ownership and reserve the right to suspend access until ownership is confirmed.

Minimum Age Requirement

You must be at least 18 years old (or the age of majority in your jurisdiction) to create an account or use our Services. Users under 18 are not permitted to access our platform—even with parental consent.

Account Closure and Termination

You may close your account at any time by submitting a written request to our support team. Account closure does not entitle you to a refund unless otherwise stated in our Refund Policy. For details on how we handle personal data upon closure, please refer to our [Privacy Policy].

We reserve the right to suspend or terminate accounts for violations of these Terms, suspected fraud, or harmful behavior that compromises the integrity of our platform.

We do not mediate disputes involving shared logins, underage access, or misuse of accounts in ways not intended by our platform.

By registering, you agree to use our Services ethically and lawfully and to uphold the standards of our brand and community.

2. Content Access and Usage Rights

When you purchase or enroll in a course, product, or other digital resource from Changing Courses 11 LLC, you are granted a limited, non-exclusive, non-transferable license to access and use the content for your own personal, non-commercial educational purposes.

You are not purchasing ownership of the content. You are receiving access to view it through our platform, subject to continued compliance with these Terms. This access may be restricted or revoked in cases of misuse, policy violations, or other breaches.

You may not:

• Share, resell, republish, license, or redistribute any portion of the content

• Upload our materials to other platforms, websites, or file-sharing services

• Post screenshots, links, or internal resources publicly or privately

• Use our content in your own trainings, services, or business offers

• Bypass payment systems, share login access, or enable unauthorized access

Misuse of content or violation of these terms may result in loss of access and further action as permitted by law.

Lifetime Access Policy

Your purchase includes lifetime access to the core digital training materials included in your original offer. Lifetime access means for as long as the program is actively maintained and offered on our platform.

We reserve the right to restrict or revoke access under the following conditions:

• Legal or copyright-related issues

• Platform deprecation or infrastructure changes

• Terms violations or abusive behavior

• Security or system integrity concerns

“Lifetime access” refers only to course materials. It does not include:

• Instructor interaction or coaching

• Access to private communities or third-party platforms

• Future updates, enhancements, or bonus content

Support, updates, and bonus features may be time-limited or governed by separate terms. Where possible, we will provide reasonable notice before access changes.

No Resale or Redistribution Without Agreement

Unless you have entered into a written licensing agreement with us that specifically grants resale or redistribution rights, you are not permitted to share, sell, or sublicense any of our content.

Any unauthorized distribution may constitute intellectual property infringement and may result in legal action. All rights, ownership, and intellectual property remain the exclusive property of Changing Courses 11 LLC.

3. Payments, Pricing, and Refunds

3.1 Pricing Terms

All pricing is listed in U.S. Dollars (USD) unless otherwise noted. Prices may change at any time without prior notice. The amount displayed at checkout reflects the most current rate and overrides any previously advertised or promotional pricing.

We may occasionally offer limited-time discounts, bundled offers, early access deals, or loyalty pricing. These are applied at our sole discretion and may vary based on user status, campaign availability, or delivery platform.

Applicable taxes, including sales tax, VAT, or GST, may be added during checkout depending on your location. Where required by law, we will collect and remit those taxes. You are responsible for any local taxes not collected at the point of sale. We do not honor retroactive discounts or offer price adjustments on prior purchases.

3.2 Payment Authorization

By completing a purchase, you authorize Changing Courses 11 LLC and its payment processor(s) (such as Stripe) to charge your designated payment method for the full amount of the selected product or plan. You confirm that you are the authorized owner of the payment method and have full rights to approve the transaction.

If your payment fails or is reversed after access has been granted, you agree to remit the full outstanding balance within seven (7) calendar days. Failure to resolve payment may result in suspension of access, revocation of enrollment, or further recovery actions if needed. Access may remain restricted until the issue is resolved in full.

3.3 Refund Policy

We offer a 7-day refund window for qualifying purchases. To be eligible, your request must be submitted within seven (7) calendar days of purchase, and you must have accessed less than 20% of the core course content.

Refunds may be declined if you have consumed a significant portion of the training, violated our terms or guidelines, or if there is evidence of refund abuse or bad-faith activity. All refund decisions are final and made at our sole discretion.

After the 7-day window, all purchases are final and non-refundable. Accessing course materials constitutes delivery of service under applicable consumer law. Add-on services such as coaching, communities, or downloadable bonuses may carry their own refund terms, as clearly stated at the time of purchase.

3.4 Chargebacks, Abuse, and Fraud

We take refund abuse, chargeback fraud, and misuse of platform access seriously. If we identify patterns of abuse, we reserve the right to deny future refunds, revoke product access, block future transactions, and submit evidence to payment processors or legal channels as needed.

Initiating a chargeback without first contacting us to resolve the issue may result in permanent forfeiture of access and account privileges. We maintain internal access logs, download records, and usage data to support our position in any payment-related dispute.

3.5 Promotions, Gifts, and Credit Codes

We may occasionally issue promotional codes, account credits, or bonus materials. These are not redeemable for cash, are non-transferable, and may only be used by the intended recipient. Promotions may be subject to expiration, usage limits, or additional terms outlined at the time of issuance.

If we detect misuse—such as resale, manipulation, or use to circumvent standard purchase requirements—we reserve the right to cancel the benefit, restrict the associated account, or revoke access to any related products.

4. Content Standards and Behavior Expectations

4.1 Acceptable Use and Conduct

Your use of Changing Courses 11 LLC platforms, services, and communities must remain lawful, respectful, and aligned with our standards. You are responsible for your own conduct and any content you contribute to our websites, platforms, or affiliated communities.

You agree to use our services for lawful, ethical, and educational purposes. This includes respecting the intellectual property rights of both Changing Courses 11 LLC and others, avoiding impersonation or misrepresentation, and engaging in constructive participation that supports the integrity of our brand and community.

We reserve the right to restrict access or remove content that violates these expectations.

4.2 Prohibited Conduct and Content

The following behaviors are prohibited and may result in removal, restriction, or termination of access:

• Posting or submitting content that is illegal, harassing, defamatory, obscene, or abusive

• Engaging in fraud, impersonation, or deceptive activity

• Sharing, downloading, or distributing proprietary course or community materials without permission

• Spamming or soliciting, including promoting services, affiliate links, or offers without prior approval

• Violating third-party intellectual property rights

• Misrepresenting your relationship with Changing Courses 11 LLC or claiming authority you do not have

These rules apply across all platforms, including private or closed community spaces, messaging systems, and coaching environments.

4.3 User-Generated Content (UGC)

If you submit reviews, testimonials, comments, messages, or other content through our platforms or public channels, you grant Changing Courses 11 LLC a royalty-free, worldwide, irrevocable license to use, reproduce, and distribute that content for marketing, internal, or educational purposes.

You waive any right to compensation or future claims related to the use of this content unless explicitly governed by a separate written agreement. You also represent that you have full legal rights to share any content you submit and that it does not infringe on the rights of any third party.

You remain solely responsible for your submissions and contributions.

4.4 Enforcement and Termination

We reserve the right to monitor, review, and enforce compliance with our behavior standards and content policies. Violations may result in one or more of the following actions:

• Content removal

• Account warnings or temporary suspension

• Permanent termination of access to products, communities, or platforms

Account enforcement may occur for reasons including, but not limited to:

• Repeated or serious violations of these Terms or related policies

• Fraudulent chargebacks or unresolved payment issues

• Legal or compliance obligations

• Technical misuse or platform security breaches

• Behavior that harms users, the platform, or our brand reputation

In severe cases, enforcement actions may be taken without prior notice. We are not liable for any loss of access, data, or associated impacts resulting from such actions.

4.5 Copyright and Intellectual Property Complaints

If you believe your intellectual property has been used without authorization on our platform, you may file a formal complaint by contacting customer.service@changingcourses11.com. Your report must include:

• Your full legal name and contact information

• A description of the content in question and its location

• Proof of ownership or rights to the material

• A signed declaration under penalty of perjury affirming the accuracy of your claim

We review valid complaints in accordance with U.S. intellectual property law and will take appropriate action when required.

5. Rights to Content You Submit

5.1 Ownership and Scope of Use

You retain full ownership of any content you voluntarily submit to Changing Courses 11 LLC. This includes testimonials, feedback, reviews, questions, comments, creative contributions, and other forms of User-Generated Content (“UGC”).

By submitting content in any format—written, audio, video, or otherwise—you grant Changing Courses 11 LLC a worldwide, royalty-free, non-exclusive, and perpetual license to use, reproduce, edit, publish, translate, distribute, display, and promote your content in connection with our business operations.

This license includes the right to:

• Display or reference your content on our websites, platforms, and marketing materials

• Feature your name, likeness, or username in association with your submission (e.g., testimonials or case studies)

• Modify, shorten, quote, or adapt your content for clarity, promotional use, or editorial standards

• Share your content with trusted partners or third-party platforms for educational or marketing purposes

5.2 Compensation and Responsibility

You acknowledge that you will not receive compensation for the use of your submitted content unless otherwise agreed in writing. All contributions are provided voluntarily and without expectation of financial return or material benefit.

You confirm that you have full rights to submit the content and that it does not infringe on the rights of any third party, including intellectual property, privacy, or publicity rights. You agree to indemnify Changing Courses 11 LLC against any claims arising from unauthorized or unlawful submissions made under your account or identity.

6. Use of Our Platform at Your Own Risk

6.1 No Guarantees or Promised Outcomes

Changing Courses 11 LLC provides educational resources, training content, and optional community engagement features for informational and skill-building purposes. While we strive to deliver high-quality content, we do not guarantee specific results, outcomes, or performance improvements.

You are solely responsible for how you apply any information, tools, or strategies presented in our products or services. Your results will depend on your individual effort, context, and external circumstances.

We do not guarantee business success, income generation, client acquisition, or personal transformation. Any examples or case studies shared are for illustration only and should not be interpreted as typical or guaranteed outcomes.

We are not liable for decisions made based on our content or for any financial losses, business performance issues, emotional consequences, or technical problems resulting from use of our services.

6.2 User-Generated Content and Peer Interactions

We do not review or moderate all user-submitted content, community conversations, or interactions in real time. As a result, some content or user behavior may not reflect our values or standards. You acknowledge that:

• Some posts, messages, or advice may include language or views you personally disagree with

• Information shared by other users is not endorsed, verified, or guaranteed by Changing Courses 11 LLC

• You are responsible for evaluating the accuracy and appropriateness of any third-party content or peer interactions

If you choose to interact with other users, including in community groups, live sessions, or direct messages, you do so at your own discretion. You are responsible for protecting your personal data and using good judgment.

We are not liable for harm, disputes, or business arrangements resulting from relationships formed through our platforms or associated channels. We do not employ, represent, or vet other users, coaches, partners, or affiliates.

To protect yourself and others, we strongly discourage:

• Sharing personal or financial details in public forums

• Entering into business deals without proper contracts or legal advice

• Relying on unqualified individuals for legal, financial, or strategic advice

6.3 Third-Party Tools and External Services

Our websites, courses, emails, or tools may include links to third-party platforms for convenience or training purposes. These may include—but are not limited to—Stripe, Notion, YouTube, HoppyCopy, or other software or services.

We do not control or endorse third-party platforms and are not responsible for the accuracy, reliability, security, or policies of any external service. You assume full responsibility when accessing or integrating with any third-party tool.

Before using external services, you are encouraged to review their terms of use and privacy policies. We are not liable for how your data is handled once you leave our environment or connect with unaffiliated services.

7. Platform Ownership and Restrictions

7.1 Intellectual Property and Ownership

All content, technology, branding, and intellectual property associated with Changing Courses 11 LLC is the exclusive property of the company. This includes, but is not limited to:

• Our websites, platforms, and associated infrastructure

• Current and future applications, digital systems, and tools

• Training content, course frameworks, and instructional designs

• Logos, brand elements, taglines, and visual identity

• Custom software, API integrations, automations, and proprietary databases

• Copywriting, code, email flows, marketing systems, and internal business operations

These assets are protected under applicable U.S. copyright, trademark, trade secret, and intellectual property laws. Unless explicitly granted through a valid license or purchase, you do not receive any rights, title, or license to use or reproduce this content or infrastructure.

7.2 Restrictions on Use

You agree not to, under any circumstances:

• Copy, modify, translate, or attempt to reverse engineer our websites, applications, or proprietary tools

• Access or interfere with any non-public systems, code, infrastructure, or secured delivery environments

• Attempt to bypass platform limitations or access content you have not purchased

• Share, clone, or replicate our backend structures, course formats, workflows, or automation systems

• Use bots, scrapers, or automated tools to extract or replicate site content or user data

• Introduce spam, malware, false headers, or other forms of technical disruption to our platform or user experience

Violations of these restrictions may result in suspension or termination of access, and in some cases, legal action. We reserve the right to investigate and enforce these protections to the fullest extent permitted by law, including actions to stop infringement, protect system integrity, or pursue damages.

7.3 Feedback and Contributions

If you submit voluntary feedback, testimonials, suggestions, or recommendations related to our platform, services, or systems, you grant Changing Courses 11 LLC a royalty-free, perpetual, and unrestricted license to use, implement, or share that feedback as we see fit.

You waive any claim to compensation, credit, or control over how we use this content unless governed by a separate written agreement. All submitted ideas become part of our broader system development and content enhancement process.

8. Subscription Terms

These terms apply to all subscription-based products, services, or memberships (“Subscription Plans”) offered by Changing Courses 11 LLC. By enrolling in a Subscription Plan, you agree to these additional terms in addition to our general Terms of Service.

8.1 Subscription Access and Scope

Subscription Plans provide non-transferable, limited access to a defined set of content, tools, or services, as outlined at the time of purchase. This access remains active only while your subscription is current and paid. Subscriptions do not grant lifetime access unless explicitly stated in writing.

Your subscription may include features such as:

• Pre-recorded trainings or course modules

• Toolkits, templates, or digital resources

• Access to communities, forums, or events

• AI-based tools, interactive systems, or platform features (availability may vary)

Your access is personal and private. Subscriptions do not include licensing, resale, or redistribution rights of any kind. Shared use or repurposing for commercial purposes without written approval is prohibited.

8.2 Billing, Renewal, and Cancellation

Subscriptions are billed automatically at the interval selected during checkout (e.g., monthly, quarterly, or annually).

By subscribing, you:

• Authorize Changing Courses 11 LLC and its payment processors to charge your selected payment method on a recurring basis

• Accept responsibility for all charges billed prior to cancellation

• Understand that subscriptions renew automatically unless canceled before the next billing cycle

You may cancel your subscription at any time by emailing customer.service@changingcourses11.com. Cancellations apply at the end of the current billing period. Refunds are not issued for partial subscription periods unless otherwise required by law.

We reserve the right to update subscription pricing or plan features. If pricing changes occur, you will be notified in advance and the new rate will apply to your next renewal.

8.3 Free Trials and Promotional Access

If a free trial is offered, eligibility and duration are at our discretion. Each user may redeem one trial per product.

Unless canceled before the trial ends, your selected payment method will be automatically charged at the standard rate when the trial concludes.

We may revoke access to a free trial or promotional offer if there is evidence of abuse, duplicate accounts, or violation of our Terms.

8.4 Subscription Restrictions

While subscribed, you agree not to:

• Share your login credentials or distribute subscription content to others

• Use the platform for unauthorized commercial or resale purposes

• Disrupt, interfere with, or attempt to exploit platform functionality

• Extract, download, or replicate subscription content using automation or scraping tools, including for AI training purposes

Violations of these restrictions may result in immediate loss of access without refund.

8.5 Third-Party Features or Services

Some subscription features may depend on integrations with third-party platforms such as ChatGPT, Gemini, Notion, Skool, or other tools. We do not control the reliability, availability, or data policies of these external services.

We are not responsible for outages, platform changes, or feature removals by third-party vendors. Access to integrations may be modified, restricted, or discontinued without notice based on system compatibility, licensing agreements, or external terms.

Use of third-party services is subject to their respective terms and privacy policies.

8.6 Service and Content Disclaimer

We do not guarantee:

• Any specific volume, frequency, or schedule of content updates

• Ongoing access to any specific training, tool, or bonus

• Continued availability of third-party integrations or platforms

• Personal results, business outcomes, or measurable value from your subscription

Subscriptions provide time-limited access to current offerings and do not constitute ownership, licensing rights, or future content guarantees. We may add, change, or remove features and content at our sole discretion.

9. Generative AI Terms

These terms apply specifically to the use of any AI-powered tools, systems, or content (“AI Features”) provided by Changing Courses 11 LLC. By accessing or using any AI Feature, you agree to these additional terms as part of our overall Terms of Service.

9.1 AI Inputs and Outputs

When you use AI Features, you may submit prompts, text, or other information (“Input”) to receive responses or content (“Output”).

You retain ownership of your Input. However, by submitting it through our services, you grant Changing Courses 11 LLC a worldwide, royalty-free, non-exclusive, and perpetual license to use, store, process, and reproduce your Input for the purpose of delivering and improving the AI Features.

You are responsible for ensuring that your Input does not include confidential, proprietary, or sensitive data belonging to yourself or others.

AI-generated Output is licensed to you for limited, non-commercial use. Output may not be claimed as original or human-created work unless it has been substantially modified by you. Redistribution, public release, or use of Output for commercial or representational purposes without appropriate transformation is prohibited.

9.2 Data Usage and AI Model Training

We do not use your Input or personal data to train or modify the underlying AI models. However, we may store anonymized or aggregated interaction data to improve functionality and user experience.

If our data usage policy changes in the future, we will seek your explicit consent before using any identifiable data for AI model training. You will have the option to opt out if applicable.

9.3 Prohibited Use of AI Features

You agree not to misuse or exploit AI Features in any way. Prohibited actions include, but are not limited to:

• Submitting prompts that are unlawful, misleading, or contain sensitive personal data

• Presenting Output as human-created when it is not

• Using AI content in decisions involving medical, legal, financial, safety, or employment-related matters

• Using any Output to create, train, or fine-tune another AI model

• Circumventing access controls, rate limits, or system safeguards

• Automating or scraping responses for resale or commercial redistribution

Violations of this section may result in the restriction or termination of your access to AI Features. Legal action may be pursued in cases of misuse or system abuse.

9.4 AI Disclaimers and Limitations

AI Features rely on third-party technologies, including external language models, and are probabilistic by design. Output may be imprecise, repetitive, fictional, or contain factual inaccuracies.

Changing Courses 11 LLC does not guarantee the accuracy, reliability, or suitability of any AI-generated Output. You are responsible for reviewing, verifying, and validating any content before using it to make decisions or take action.

We disclaim all liability arising from your reliance on AI-generated material. You use these tools at your own risk and accept full responsibility for any outcomes or consequences related to their use.

We reserve the right to modify, limit, or discontinue access to AI Features at any time, without notice, and at our sole discretion.

10. Legal Terms and Conditions

These Terms form a legally binding agreement between you and Changing Courses 11 LLC and are governed by the laws of the State of Tennessee, United States. This section outlines key provisions related to enforceability, liability, jurisdiction, and the nature of our relationship.

10.1 Binding Agreement

By using any of our services, platforms, or content, you acknowledge and accept these Terms in full. If you are acting on behalf of a business, nonprofit, or other organization, you confirm that you have the authority to bind that entity to these Terms.

These Terms include, by reference, the following supplemental agreements:

• Privacy Policy

• Refund Policy

• Licensing Agreements (if applicable)

• Community Guidelines

• Business Disclosure Statement

• Code of Conduct

• Feature Disclaimer

• Services Provided

If any provision of these Terms is found to be unenforceable, that clause will be replaced with a valid provision that reflects the original intent as closely as possible. All remaining provisions will remain in full force.

10.2 No Waiver of Rights

Our decision not to enforce any provision of these Terms immediately does not waive our right to enforce that provision or related terms later. A partial or delayed exercise of any right does not limit our ability to exercise that right fully.

10.3 Disclaimers of Warranty

Our services are provided “as is” and “as available,” without warranties of any kind.

To the fullest extent permitted by law, Changing Courses 11 LLC disclaims all express or implied warranties, including but not limited to:

• Merchantability

• Fitness for a particular purpose

• Non-infringement

• Content accuracy

• Uptime or continuous availability

We do not guarantee that our services will meet your expectations or result in specific business or personal outcomes. You use our platforms, content, and tools at your own risk.

10.4 Limitation of Liability

To the maximum extent allowed by law:

• Changing Courses 11 LLC is not liable for indirect, incidental, special, or consequential damages, including lost profits or reputational harm.

• Our total liability for any claim will not exceed the greater of $100 or the amount paid by you in the 12 months preceding the event giving rise to the claim.

Some jurisdictions may not allow certain limitations. Where applicable, these provisions apply to the maximum extent permitted by law.

10.5 Indemnification

You agree to indemnify, defend, and hold harmless Changing Courses 11 LLC and its officers, staff, affiliates, and contractors from any claims, damages, liabilities, costs, or legal fees arising from:

• Your violation of these Terms

• Your use or misuse of our services

• Any third-party claims connected to your behavior, content, or actions

This obligation survives the termination of your access to our services.

10.6 Jurisdiction and Governing Law

All legal matters, disputes, or claims must be brought in the state or federal courts located in Williamson County, Tennessee, USA. These Terms are governed exclusively by the laws of the State of Tennessee.

You agree to submit to this jurisdiction and waive any right to file claims or participate in legal actions outside of this venue, including class actions or collective claims.

10.7 Statute of Limitations

You must bring any claim against Changing Courses 11 LLC within one (1) year of the event giving rise to the claim. Claims brought after this period will be barred, regardless of discovery date or delayed notice.

10.8 No Agency or Partnership

Nothing in these Terms creates a partnership, joint venture, employment, agency, or fiduciary relationship between you and Changing Courses 11 LLC. You agree that no such relationship is implied by your participation in any of our services.

10.9 Assignment and Non-Transferability

You may not assign or transfer your rights or obligations under these Terms without our written consent. Any attempted transfer without authorization will be null and void.

Changing Courses 11 LLC may assign or transfer its rights and responsibilities under these Terms at its sole discretion and without notice.

10.10 Export Control and Compliance

You confirm that you are not located in, or acting on behalf of, any country or individual subject to U.S. export restrictions. You agree not to export, re-export, or transfer any materials from our platform in violation of U.S. or international law.

11. Dispute Resolution

We are committed to resolving concerns promptly, fairly, and respectfully. If you experience an issue with our services, you agree to contact our support team before pursuing any legal process.

customer.service@changingcourses11.com

11.1 Resolution Process and Legal Agreement

If a dispute cannot be resolved informally, the following terms apply to all users in the United States or Canada:

You and Changing Courses 11 LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms, our products, or services will be resolved through one of the following:

• Informal resolution through good-faith communication (60-day period),

• Individual binding arbitration conducted by the American Arbitration Association (AAA), or

• Small claims court in Williamson County, Tennessee, or your local jurisdiction if permitted by law.

You agree to waive any right to participate in a class action, collective proceeding, or jury trial. This agreement applies to you and any person or entity acting on your behalf, including representatives, heirs, and assigns. All arbitration proceedings will be conducted individually and kept confidential.

11.2 Informal Dispute Notice (Required)

Before filing a legal claim or initiating arbitration, you agree to submit a written notice of dispute (“Claim Statement”) to:

• customer.service@changingcourses11.com or

• Changing Courses 11 LLC, 2194 Spring Hill Circle, Spring Hill, TN 37174

Your Claim Statement must include:

• Your full name and contact details,

• A description of the issue, and

• A proposed resolution.

Both parties agree to attempt to resolve the matter in good faith within 60 days of receipt. Legal proceedings may only be initiated if no resolution is reached after this period. Failure to follow this process may result in your claim being dismissed.

11.3 Arbitration Terms

If arbitration is necessary, it will be:

• Administered by the AAA under its Consumer Arbitration Rules,

• Conducted by a single neutral arbitrator,

• Held remotely (via phone or video) or in Williamson County, Tennessee, unless otherwise agreed,

• Binding and enforceable in any court of competent jurisdiction.

If the AAA is unavailable, either party may request that a court appoint a comparable alternative. For claims under $15,000, the arbitrator may choose to decide the matter based on written submissions alone.

11.4 Waiver of Class and Mass Actions

You agree not to:

• Combine claims with other users,

• Join or initiate any class, collective, or representative action, or

• Participate in any coordinated “mass arbitration” involving 25 or more similar claims.

Any claim filed in violation of this clause will be rejected, and we reserve the right to seek equitable relief and reimbursement of legal costs related to its enforcement.

11.5 Legal Fees and Arbitration Costs

Each party will bear its own legal costs unless:

• The arbitrator rules otherwise based on applicable law, or

• A claim is deemed frivolous or brought in bad faith, in which case the responsible party may be required to cover the other’s reasonable fees.

11.6 Filing Deadline

Any legal claim, arbitration, or civil action must be filed within one (1) year of the event giving rise to the dispute. Claims filed after this period will be considered time-barred and dismissed.

12. Updates to These Terms

We may revise these Terms and Conditions at any time to reflect changes in our business operations, legal requirements, or service offerings. Updates may relate to:

• Features, products, or access scope

• Legal or regulatory compliance

• Pricing structures or billing practices

• Third-party tools or service integrations

• Community standards, usage rules, or enforcement policies

When updates are made:

• The revised version will be posted on our website with an updated effective date

• If changes are material, we may notify you via email, dashboard notice, or platform message

Your continued use of our services after any update constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, your sole remedy is to discontinue use and request account closure.

The current version of these Terms overrides any prior versions, whether written, verbal, or implied.

By continuing to access our platforms, content, or services, you acknowledge that you have read, understood, and agreed to the most recent version of these Terms.

13. Contact Information

If you have questions, concerns, or need assistance, please contact us using the details below. Our team aims to respond promptly and respectfully to all inquiries.

Changing Courses 11 LLC

2194 Spring Hill Circle

Spring Hill, TN 37174

📧 customer.service@changingcourses11.com