TERMS OF SERVICE

AI for Employee Owners

and related ownAI online courses

Last updated: April 25, 2026

Effective: April 16, 2026

1. Introduction and Acceptance

These Terms of Service (“Terms”) govern your access to and use of the online courses, learning materials, and related services (collectively, the “Course” or “Services”) offered by ownAI LLC (“ownAI,” “we,” “us,” or “our”), including the course titled “AI for Employee Owners” delivered through our course hosting platform (currently Thinkific).

The Services are made available to two types of users:

• Individual Learners — individuals who purchase access to the Course for their own use.

• Organizational Customers — companies, cooperatives, ESOPs, or other entities that purchase one or more seats in the Course on behalf of their employees, members, or owners (“Authorized Users”).

By accessing, enrolling in, or using the Services, you agree to be bound by these Terms. If you are accepting these Terms on behalf of an Organizational Customer, you represent that you have authority to bind that entity. If you do not agree to these Terms, do not access or use the Services.

We may update these Terms from time to time. Material changes will be communicated by email to active users and/or posted on the Course site at least 14 days before taking effect. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction, whichever is greater) to enter into these Terms and use the Services. The Services are designed for working professionals and are not intended for use by minors.

By using the Services, you represent and warrant that you meet this age requirement and that your use of the Services will not violate any applicable law or regulation.

3. Accounts and Access

3.1 Account Creation

To access the Course, you must create an account on our hosting platform. You agree to provide accurate, current, and complete information during registration and to keep that information up to date.

3.2 Credentials and Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Login credentials are personal and non-transferable. You may not share your account with any other person, and you must notify us promptly if you suspect unauthorized access.

3.3 One Account Per Seat

Each purchased seat grants access to one individual. Sharing a seat across multiple individuals is prohibited and may result in suspension or termination without refund.

4. Purchases and Payment

4.1 Individual Purchases

Individual Learners may purchase Course access via the payment methods made available at checkout. All prices are listed in US dollars unless otherwise stated and are exclusive of applicable taxes, which will be added where required by law.

4.2 Organizational (B2B) Purchases

Organizational Customers may purchase multiple seats through bulk ordering (including Thinkific Group Orders) or via invoice. Where an Organizational Customer purchases via invoice:

• Payment terms are net 30 days from invoice date unless otherwise agreed in writing.

• Late payments may be subject to a service charge of 1.5% per month (or the maximum permitted by law, whichever is lower) and may result in suspension of access until payment is received.

• Purchase orders and separate master service agreements are accepted only where specifically agreed to in writing by ownAI; preprinted terms on purchase orders that conflict with these Terms are not binding.

4.3 Seat Assignment and Management

Organizational Customers are responsible for designating Authorized Users, managing seat assignments, and ensuring that Authorized Users comply with these Terms. Unassigned seats must be assigned within 12 months of purchase, after which they are forfeited unless otherwise agreed in writing.

4.4 Seat Reassignment

Organizational Customers may reassign a seat from one Authorized User to another (for example, when an employee leaves the organization) at no additional cost, provided the original Authorized User has not completed more than 25% of the Course. Reassignment after substantial completion requires a new seat purchase.

4.5 Price Changes

We may modify prices for the Services at any time. Price changes will not affect Courses already purchased. For subscription-based offerings (if any), we will provide at least 30 days’ notice of price increases.

5. Refund Policy

5.1 Individual Learners

Individual Learners may request a full refund within 7 days of purchase, provided they have not completed more than 25% of the Course content. To request a refund, contact [email protected] with your order details. Refunds are processed to the original payment method within 10 business days of approval.

5.2 Organizational Customers

Refund terms for Organizational Customers are governed by the applicable invoice or purchase agreement. Unless otherwise agreed:

• Unused seats may be refunded within 15 days of purchase at 100%, less any applicable processing fees.

• Partially used seats (Authorized Users who have accessed the Course) are non-refundable.

• After 30 days from the invoice date, all sales are final.

5.3 Statutory Rights

Nothing in this section limits any non-waivable statutory rights you may have under applicable consumer protection law (including, where applicable, EU/UK distance selling rules and cooling-off periods).

6. Course Content and License

6.1 Our Intellectual Property

The Course — including all videos, slides, written materials, exercises, quizzes, templates, graphics, audio, and other content (collectively, “Course Content”) — is owned by ownAI or its licensors and is protected by copyright, trademark, and other intellectual property laws. All rights not expressly granted in these Terms are reserved.

6.2 License Grant to Individual Learners

Subject to your compliance with these Terms, ownAI grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and view the Course Content for your personal, non-commercial learning purposes for the duration of your access period.

6.3 License Grant to Organizational Customers

Subject to these Terms and payment of all applicable fees, ownAI grants the Organizational Customer a limited, non-exclusive, non-transferable, non-sublicensable license to allow its Authorized Users to access and view the Course Content for internal business learning purposes for the duration of the access period. The Organizational Customer may not use Course Content for commercial resale, white-labeling, or to provide training services to third parties.

6.4 Restrictions

You may not, and you may not permit any Authorized User or third party to:

• Copy, download, record, screen-capture, reproduce, distribute, publicly display, or publicly perform any Course Content, except for incidental note-taking for personal study.

• Modify, translate, adapt, or create derivative works based on the Course Content.

• Remove, alter, or obscure any copyright, trademark, or other proprietary notices.

• Use the Course Content to train, fine-tune, evaluate, or develop any artificial intelligence or machine learning model.

• Resell, sublicense, rent, lease, or otherwise transfer access to the Course or Course Content.

• Use the Course Content to develop a competing product or service.

• Reverse engineer, decompile, or attempt to derive source code from any software used to deliver the Services.

6.5 Feedback

If you provide suggestions, ideas, or feedback about the Course (“Feedback”), you grant ownAI a perpetual, irrevocable, worldwide, royalty-free license to use that Feedback for any purpose, without attribution or compensation. You may elect not to provide Feedback.

7. Access Duration and Updates

7.1 Access Period

Unless otherwise specified at the time of purchase, Course access is provided for 12 months from the date of enrollment. After that period, access may be extended at our discretion or for an additional fee.

7.2 Course Updates

We regularly update the Course to reflect changes in AI tools and best practices. We do not guarantee that any specific lesson, module, or demo will remain available in its original form. Updates do not extend your access period.

7.3 Certificates

Upon successful completion of the Course (as defined by the platform’s completion criteria), you may be issued a certificate of completion. Certificates are provided for informational purposes only, indicate participation and completion of the Course, and do not constitute accreditation, professional certification, or a guarantee of any skill or outcome.

8. Third-Party AI Tools and Services

The Course includes demonstrations of third-party AI products and services (such as Anthropic Claude, OpenAI ChatGPT, Google Gemini, and others). These tools are not provided by ownAI and are governed by the terms and privacy policies of the respective providers.

When you use third-party AI tools in connection with exercises or demonstrations:

• Any data you submit to those tools (including prompts, documents, or other inputs) is subject to the third-party provider’s terms and privacy policy, not ours.

• You are responsible for not submitting confidential, regulated, or personal information to third-party AI tools unless you have verified it is appropriate under the provider’s terms and your own organization’s policies.

• ownAI does not endorse, warrant, or take responsibility for the accuracy, outputs, or behavior of any third-party AI tool.

• AI tools evolve rapidly; demonstrations shown in the Course may become outdated, and the tools’ actual behavior at the time of your use may differ.

9. User Conduct

You agree not to, and not to permit any Authorized User to:

• Use the Services in violation of any applicable law, regulation, or third-party right.

• Transmit viruses, malware, or other harmful code to the Services.

• Attempt to gain unauthorized access to the Services, other users’ accounts, or the underlying systems.

• Interfere with or disrupt the Services, servers, or networks connected to the Services.

• Use automated means (including scrapers, bots, or crawlers) to access the Services without our prior written consent.

• Harass, threaten, or abuse ownAI staff, instructors, or other learners in any forum or communication channel associated with the Course.

We reserve the right to suspend or terminate access for violations of this section, with or without notice depending on the severity of the violation.

10. Hosting Platform

The Services are currently hosted on a third-party learning platform (Thinkific). Your use of the Services is also subject to the hosting platform’s terms of use and privacy policy, which you should review. We may change hosting platforms with reasonable notice, and we are not responsible for outages, defects, or issues caused by the hosting platform.

11. Privacy

Our collection and use of personal information in connection with the Services is described in our Privacy Policy, available at learn.ownai.io/pages/privacy. By using the Services, you acknowledge our Privacy Policy.

12. Accessibility

We are committed to making the Course usable by as wide an audience as possible. We aim to follow the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA where reasonably practicable. If you encounter an accessibility barrier, please contact us at [email protected] and we will work with you on an alternative means of access.

13. Disclaimer of Warranties

The Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components.

The Course provides general educational content about AI. It is not legal, financial, medical, or other professional advice. Any decisions you make based on the Course are your own responsibility. AI tools discussed in the Course can produce inaccurate or biased outputs; you are responsible for verifying their outputs before relying on them.

14. Limitation of Liability

To the maximum extent permitted by applicable law, ownAI and its officers, directors, employees, contractors, affiliates, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, or business interruption, arising out of or in connection with these Terms or the Services, even if advised of the possibility of such damages.

Our total aggregate liability for all claims arising out of or relating to these Terms or the Services will not exceed the greater of (a) the amounts paid by you to ownAI for the Services in the 12 months preceding the event giving rise to the claim, or (b) USD $100.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. Nothing in these Terms excludes liability for fraud, gross negligence, willful misconduct, or any other liability that cannot be excluded under applicable law.

15. Indemnification

You agree to defend, indemnify, and hold harmless ownAI and its officers, directors, employees, contractors, affiliates, and licensors from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your breach of these Terms, (b) your violation of any law or the rights of any third party, or (c) your use of the Services in combination with any third-party tool, data, or service.

For Organizational Customers, this indemnification obligation also extends to the acts and omissions of your Authorized Users in connection with their use of the Services.

16. Suspension and Termination

16.1 Termination by You

You may stop using the Services at any time. Termination does not entitle you to a refund except as provided in Section 5.

16.2 Termination by Us

We may suspend or terminate your access to the Services immediately, with or without notice, if: (a) you materially breach these Terms; (b) non-payment of fees remains outstanding for more than 30 days after due date; (c) we are required to do so by law; or (d) continued provision of the Services to you would, in our reasonable judgment, pose a legal, security, or reputational risk.

16.3 Effect of Termination

On termination, your license to access the Course ends immediately. Sections that by their nature should survive termination (including Sections 6.1, 6.5, 13, 14, 15, 17, 18, and 19) will survive.

17. Governing Law and Dispute Resolution

17.1 Governing Law

These Terms are governed by the laws of the state of Illinois in the United States, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

17.2 Informal Resolution

Before filing any formal legal action, the parties agree to attempt in good faith to resolve any dispute through informal discussion for at least 30 days after written notice of the dispute.

17.3 Venue

Any legal action not resolved informally must be brought exclusively in the state or federal courts located in Cook County, Illinois, and each party consents to the personal jurisdiction and venue of such courts.

18. General Provisions

18.1 Entire Agreement

These Terms, together with the Privacy Policy and any invoice or order form executed by an Organizational Customer, constitute the entire agreement between you and ownAI regarding the Services and supersede any prior agreements on the subject.

18.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable.

18.3 No Waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it later.

18.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of substantially all of our assets.

18.5 Force Majeure

Neither party will be liable for failure or delay in performance due to causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, pandemic, government action, internet or telecommunications outages, or failure of third-party services.

18.6 Relationship

These Terms do not create any agency, partnership, joint venture, or employment relationship between you and ownAI.

18.7 Headings

Section headings are for convenience only and do not affect interpretation.

19. Contact Information

Questions about these Terms or the Services should be directed to:

ownAI

ownAI LLC

805 Greenwood Street

Evanston, IL 60201

Email: [email protected]