Terms and Conditions

TERMS AND CONDITIONS OF USE

AI Coaching Platform

MJ Harris Financial Services Incorporated

A California Corporation

Effective Date: March 13, 2026| Last Updated: March 13, 2026

PLEASE READ THESE TERMS AND CONDITIONS OF USE (“AGREEMENT” OR “TERMS”) CAREFULLY BEFORE ACCESSING OR USING THIS PLATFORM. BY CREATING AN ACCOUNT, SUBSCRIBING, OR ACCESSING ANY PORTION OF THIS PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE, DO NOT USE THIS PLATFORM.

These Terms constitute a binding legal agreement between you ("User", "Subscriber", "member", "customer", and/or "payor") and MJ Harris Financial Services Incorporated, a California corporation, including its successors, assigns, affiliated entities, subsidiaries, parent companies, officers, directors, shareholders, employees, agents, licensors, contractors, and representatives (and/or collectively, "Company", "we", "us", and/or "our"). These Terms govern your access to and use of the Company's artificial intelligence coaching platform, including all associated features, content, tools, services, and communications (collectively, the "Platform").

SECTION 1. DEFINITIONS

"Platform" means the AI-powered coaching interface, application, website, and all related tools, services, content, and technology made available by the Company, including any mobile applications, browser extensions, or embedded integrations.

"Subscription" means the recurring monthly (or other cadence) billing arrangement under which a User accesses the Platform.

"Renewal Date" means each calendar date on which a Subscription automatically renews pursuant to the billing cycle.

"AI-Generated Content" means any output, response, suggestion, recommendation, analysis, or communication produced by the artificial intelligence engine powering the Platform.

"Released Parties" means MJ Harris Financial Services Incorporated, its successors, assigns, affiliated entities, parent and subsidiary companies, shareholders, officers, directors, members, managers, employees, independent contractors, agents, licensors, and representatives, collectively and individually.

SECTION 2. NATURE OF THE PLATFORM — ENTERTAINMENT AND INFORMATIONAL PURPOSES ONLY

2.1 AI-Powered Technology

The Platform is powered by artificial intelligence technology. All content, responses, suggestions, coaching guidance, and communications generated through the Platform are produced by automated AI systems and do not constitute the advice of a licensed professional in any field, including but not limited to law, medicine, psychology, psychiatry, financial planning, investment advisory, therapy, or counseling.

2.2 Entertainment and Informational Purposes Only

THE PLATFORM IS PROVIDED FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES ONLY. Nothing on the Platform constitutes professional advice of any kind. Users should not rely on AI-Generated Content as a substitute for qualified professional consultation.

2.3 No Professional Relationship

Use of the Platform does not create any professional, fiduciary, advisory, therapeutic, attorney-client, or other special relationship between you and the Company or any Released Party.

2.4 Precautionary Acknowledgment

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT BEFORE IMPLEMENTING, ACTING UPON, OR RELYING ON ANY INFORMATION, SUGGESTION, RECOMMENDATION, OR GUIDANCE PROVIDED BY THE PLATFORM, YOU WILL EXERCISE INDEPENDENT JUDGMENT, CONDUCT YOUR OWN DUE DILIGENCE, AND CONSULT WITH QUALIFIED LICENSED PROFESSIONALS AS APPROPRIATE FOR YOUR SPECIFIC CIRCUMSTANCES. The Company expressly disclaims any responsibility for decisions or actions taken based on AI-Generated Content.

SECTION 3. COMPREHENSIVE RELEASE OF LIABILITY

3.1 Full and Complete Release

IN CONSIDERATION OF ACCESS TO THE PLATFORM, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY UNCONDITIONALLY, IRREVOCABLY, AND FOREVER RELEASE, ACQUIT, AND DISCHARGE THE RELEASED PARTIES FROM ANY AND ALL CLAIMS, DEMANDS, ACTIONS, CAUSES OF ACTION, SUITS, DEBTS, OBLIGATIONS, LIABILITIES, LOSSES, DAMAGES (WHETHER COMPENSATORY, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR OTHERWISE), COSTS, EXPENSES, AND ATTORNEY'S FEES OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, DISCLOSED OR UNDISCLOSED, MATURED OR UNMATURED, FIXED OR CONTINGENT, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, OR ANY AI-GENERATED CONTENT, OR ANY ACTION OR INACTION TAKEN IN RELIANCE THEREON (collectively, “Claims”).

3.2 Waiver of Unknown Claims

YOU EXPRESSLY WAIVE ANY AND ALL RIGHTS AND BENEFITS CONFERRED UPON YOU BY 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 hereafter discover facts different from or in addition to those you now know or believe to be true regarding the Claims released herein, and you agree that this release shall be and remain fully effective notwithstanding such additional or different facts.

3.3 Renewal Release

YOU FURTHER ACKNOWLEDGE AND AGREE THAT UPON EACH RENEWAL DATE OF YOUR SUBSCRIPTION, A NEW AND INDEPENDENT RELEASE OF ALL CLAIMS — INCLUDING CLAIMS ARISING DURING THE PRECEDING SUBSCRIPTION PERIOD — SHALL AUTOMATICALLY TAKE EFFECT ON THE SAME TERMS SET FORTH IN SECTION 3.1 AND SECTION 3.2 ABOVE. Each such renewal constitutes your express, affirmative acknowledgment of and agreement to this recurring release obligation. Your continued use of the Platform and/or failure to cancel prior to a Renewal Date shall constitute your acceptance of the renewal release.

3.4 Scope of Released Parties

The release set forth in this Section 3 extends to and benefits: (a) MJ Harris Financial Services Incorporated; (b) any and all current and future successors and assigns of the Company; (c) any entity that acquires all or substantially all of the assets or equity of the Company; (d) any licensee, sublicensee, or operator of the Platform under agreement with the Company; (e) all affiliated entities including parent, subsidiary, and sister companies; (f) all current and former shareholders, officers, directors, members, managers, and employees of the foregoing, whether acting in their individual or collective capacity; and (g) all agents, independent contractors, consultants, licensors, and representatives of the foregoing.

SECTION 4. DISCLAIMER OF WARRANTIES

THE PLATFORM AND ALL AI-GENERATED CONTENT ARE PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. THE RELEASED PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: (A) WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; (B) THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS; (C) THAT AI-GENERATED CONTENT WILL BE ACCURATE, COMPLETE, CURRENT, RELIABLE, OR SUITABLE FOR ANY PURPOSE; (D) THAT ANY DEFECTS WILL BE CORRECTED; AND (E) THAT THE PLATFORM OR ITS SERVERS ARE FREE OF MALICIOUS CODE. NO ORAL OR WRITTEN INFORMATION OR ADVICE PROVIDED BY THE COMPANY OR ANY RELEASED PARTY SHALL CREATE A WARRANTY.

SECTION 5. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ANY RELEASED PARTY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, EMOTIONAL DISTRESS, PERSONAL INJURY, OR PROPERTY DAMAGE, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT LIABILITY CANNOT BE FULLY EXCLUDED UNDER APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE RELEASED PARTIES TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE LESSER OF: (A) THE TOTAL SUBSCRIPTION FEES PAID BY YOU IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

SECTION 6. PROHIBITED USES

6.1 Prohibited Conduct

You agree that you will not use the Platform for any unlawful, harmful, or prohibited purpose. Without limiting the foregoing, you expressly agree not to:

Use the Platform in violation of any applicable federal, state, local, or international law or regulation;

Engage in any fraudulent, deceptive, or misleading activity through or in connection with the Platform;

Attempt to gain unauthorized access to any portion of the Platform or its underlying systems;

Use the Platform to harass, threaten, defame, intimidate, stalk, or harm any person or entity;

Upload, transmit, or distribute any content that is unlawful, defamatory, libelous, obscene, pornographic, or otherwise objectionable;

Use the Platform to infringe upon the intellectual property, privacy, or other rights of any third party;

Reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying models of the Platform;

Scrape, harvest, or extract data from the Platform in an automated or bulk manner without express written consent;

Resell, sublicense, or commercially exploit access to the Platform without prior written authorization;

Introduce any malware, virus, Trojan horse, or other harmful code into the Platform;

Impersonate any person or entity, or misrepresent your affiliation with any person or entity;

Use the Platform to develop, train, or improve any competing artificial intelligence product or service.

6.2 Consequences of Violation

Any violation of this Section may result in immediate termination of your access to the Platform, without refund, and may expose you to civil and/or criminal liability. The Company reserves the right to report violations to appropriate authorities.

SECTION 7. NO CLASS ACTION; JURY TRIAL WAIVER; ARBITRATION

7.1 Waiver of Class Action

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT, CLASS ARBITRATION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING OF ANY KIND AGAINST ANY RELEASED PARTY. ALL DISPUTES MUST BE BROUGHT AND RESOLVED ON AN INDIVIDUAL BASIS ONLY. You agree that you will not seek to consolidate your Claims with those of any other person or bring any Claims as a class representative, class member, or in a private attorney general capacity.

7.2 Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND THE COMPANY EACH WAIVE ANY RIGHT TO A JURY TRIAL IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM.

7.3 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform that cannot be resolved informally shall be submitted to binding arbitration administered by JAMS (or a mutually agreed-upon alternative arbitration provider) in Los Angeles County, California, under its applicable rules. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The arbitration shall be conducted on an individual basis and not as a class, consolidated, or representative arbitration. Nothing herein prevents either party from seeking emergency injunctive relief from a court of competent jurisdiction.

SECTION 8. ANTI-DEFAMATION; CONTENT STANDARDS

8.1 Prohibition on Defamatory Content

You agree that you will not make, publish, post, transmit, or communicate any false, misleading, defamatory, libelous, or disparaging statements about the Company, any Released Party, or the Platform on any medium, including but not limited to social media platforms, review websites, blogs, podcasts, forums, or any other public or private channel.

8.2 Consequences of Defamatory Conduct

Any breach of Section 8.1 may, in addition to other available remedies, entitle the Company to seek injunctive relief, actual damages, reputational damages, and attorneys' fees. You acknowledge that a breach of this Section may cause irreparable harm for which monetary damages alone would be an inadequate remedy.

8.3 User-Generated Content

Any content you submit, upload, or transmit through the Platform must comply with all applicable laws and these Terms. The Company reserves the right, but not the obligation, to remove any content that violates these Terms or applicable law.

SECTION 9. SUCCESSORS, ASSIGNS, AND AFFILIATED ENTITIES

These Terms shall be binding upon and inure to the benefit of the Company and its successors, assigns, transferees, and affiliated entities. The Company may freely assign or transfer its rights and obligations under these Terms, in whole or in part, without notice to or consent from you, including in connection with any merger, acquisition, sale of assets, corporate restructuring, or change of control. You may not assign your rights or obligations under these Terms without the prior written consent of the Company.

SECTION 10. SUBSCRIPTION, BILLING, AND CANCELLATION

10.1 Subscription Terms

Access to the Platform requires a paid Subscription. By subscribing, you authorize the Company (or its designated payment processor) to charge the applicable subscription fee to your designated payment method on a recurring basis in accordance with the billing cycle selected at the time of enrollment.

10.2 Automatic Renewal

Subscriptions automatically renew at the end of each billing period unless canceled prior to the Renewal Date. You are responsible for canceling your Subscription before it renews if you do not wish to be charged for the next period. The Company is not obligated to provide refunds for charges resulting from failure to cancel in a timely manner.

10.3 Price Changes

The Company reserves the right to modify Subscription pricing at any time upon reasonable notice. Continued use of the Platform after a price change constitutes your acceptance of the new pricing.

10.4 No Refund Policy

Unless otherwise required by applicable law or expressly agreed to in writing by the Company, all Subscription fees are non-refundable. Partial-period cancellations do not entitle you to a prorated refund.

SECTION 11. INTELLECTUAL PROPERTY

All content, technology, software, design, trademarks, trade names, service marks, logos, trade dress, and other intellectual property embodied in or associated with the Platform are owned by or licensed to the Company and are protected by applicable intellectual property laws. Nothing in these Terms grants you any ownership rights in the Platform or its content. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for personal, non-commercial purposes in accordance with these Terms. Any unauthorized use of the Company's intellectual property is strictly prohibited.

SECTION 12. PRIVACY AND DATA

By using the Platform, you consent to the Company's collection, use, storage, and processing of your personal information in accordance with the Company's Privacy Policy, which is incorporated herein by reference. You represent that all information you provide to the Company is accurate, current, and complete. The Company may use aggregated and anonymized data derived from Platform interactions to improve the Platform and its AI capabilities.

SECTION 13. INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Released Parties from and against any and all Claims, including attorneys' fees and costs, arising out of or relating to: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any content you submit or transmit through the Platform; (e) any defamatory, false, or misleading statements you make about the Company or any Released Party; or (f) any claim by a third party arising from your conduct in connection with the Platform.

SECTION 14. TERMINATION

The Company reserves the right to suspend or terminate your access to the Platform at any time, with or without cause, with or without notice, and without liability to you. Upon termination, all rights granted to you under these Terms shall immediately cease. Provisions of these Terms that by their nature should survive termination — including but not limited to Sections 3 (Release), 5 (Limitation of Liability), 7 (Arbitration; No Class Action), 8 (Anti-Defamation), 11 (Intellectual Property), and 13 (Indemnification) — shall survive indefinitely.

SECTION 15. GOVERNING LAW AND VENUE

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law principles. To the extent any dispute is not subject to arbitration, you agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Los Angeles County, California.

SECTION 16. ELECTRONIC COMMUNICATIONS AND CONSENT

By using the Platform and creating an account, you consent to receive communications from the Company electronically, including via email, in-app notifications, or other digital means. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

SECTION 17. MISCELLANEOUS

17.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and the Company with respect to the Platform and supersede all prior agreements, representations, and understandings.

17.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect.

17.3 No Waiver

The Company's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17.4 Force Majeure

The Company shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, cyberattacks, government actions, or interruptions in third-party services.

17.5 Modifications

The Company reserves the right to modify these Terms at any time. Updated Terms will be posted on the Platform with a revised effective date. Your continued use of the Platform following the posting of updated Terms constitutes your acceptance of the changes. It is your responsibility to review these Terms periodically.

17.6 Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.

ACKNOWLEDGMENT AND ACCEPTANCE

BY CLICKING 'AGREE', and/or "GET ACCESS", and/or "GET STARTED", and/or by CREATING AN ACCOUNT, OR ACCESSING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU ARE AT LEAST 18 YEARS OF AGE, HAVE READ THESE TERMS IN THEIR ENTIRETY, UNDERSTAND THEM, AND AGREE TO BE LEGALLY BOUND BY THEM. IF YOU ARE AGREEING ON BEHALF OF A BUSINESS ENTITY, YOU REPRESENT THAT YOU HAVE THE AUTHORITY TO BIND THAT ENTITY TO THESE TERMS.

IF YOU DO NOT AGREE TO THESE TERMS, YOU ARE NOT AUTHORIZED TO ACCESS OR USE THIS PLATFORM.

MJ Harris Financial Services Incorporated

A California Corporation

[email protected] | MJ Harris Financial Services Inc., 3911 Concord Pike #8030 SMB#51689, Wilmington, DE 19803