TERMS & CONDITIONS

Last Updated on August 26,2025

NOTICE: Please read the terms and conditions set forth below, which are legally

binding. By visiting, viewing or using this website and/or by using any program, product,

course or service from us, you agree to be bound by these Terms and Conditions and

our Privacy Policy and Disclaimer.

PLEASE READ THE SECTION TITLED “CLASS ACTION WAIVER” AS IT AFFECTS

YOUR LEGAL RIGHTS.

Polymath Chick , https://polymathchick.com

(“website”), which is operated by Polymath Chick (“Company”, “we”, “us”, or

“our”) provides visitors information on the website subject to the following terms and

conditions (“Terms and Conditions”). The term “you” refers to any visitor, viewer or user

of the website and/or any user of any free or paid program, product, course or service of

the Company (each, a “Product”).

By viewing, visiting or using the website and/or a Product, you indicate your acceptance

and agreement to be bound by these Terms and Conditions and our Privacy Policy and

Disclaimer, which are hereby incorporated by reference (collectively, this “Agreement”).

If you do not accept the terms and conditions of this Agreement, then please do not usethe website or any Products. These Terms and Conditions were created with the help

of the Plug and Law and Privacy Policy Solutions .

We reserve the right to amend this Agreement at any time without notice to you. We

will alert you to any changes by posting the effective date of the latest version at the top

of this page, at which point any changes will become immediately effective. It is your

responsibility to check for updates, as your continued use of the website or any

Products after this Agreement is amended will constitute your acceptance and

agreement to continue to be bound by this Agreement, as amended.

UNITED STATES AND OVER 18 USE ONLY

The website is intended only for individuals over the age of 18 residing in the United States.

We do not make any representations that this website is

appropriate or available for use outside of the United States. If

you access the website or any of our Products from outside of the United States,

you do so at your own risk and on your own initiative. It is solely your

responsibility to ensure compliance with applicable laws in your specific jurisdiction.

GUIDELINES FOR USE

We have established certain guidelines to keep our community safe (“Guidelines”). By

visiting or using the website or any Product, you agree to abide by these Guidelines,

which are as follows:

● You will comply with all applicable law;

● You will not upload, post, send, email, or otherwise make available any

information or content which in any way infringes any copyright, trade secret,

trademark, right of publicity, privacy, property or other intellectual property or

proprietary rights, or any information or content which you do not have the right

to make available, through any law, contractual or fiduciary relationship or

otherwise;

● You will not act in any way that is fraudulent, false, misleading, deceitful or

deceptive, such as by impersonating another individual or falsifying your

association with an individual or entity;

● You will not upload, post, send, email, or otherwise make available any material

or behave in any manner which could be perceived as harassing, demeaning,

threatening, “stalking”, defamatory, sexually explicit, abusive, vulgar, hate

speech, obscene, indecent or otherwise objectionable;

● You will not upload, post, send, email, or otherwise make available any material

which would reveal the personal information of another individual;

● You will not behave in any manner which could limit or otherwise impact any

other person’s use or enjoyment of the website and/or any Product;

● You will not engage in any unsolicited or unauthorized advertising nor will you

send any spam;

● You will not attempt to gain unauthorized access to any portion of the website or

any of the Products;

● You will not engage in or encourage others to engage in any activity which would

violate any law, constitute a criminal offense, give rise to civil liability, or infringe

on the rights of any third party;

● You will not send any materials which contain viruses, devices, information

collection or transmission mechanisms, trojan horses, worms, time-bombs,

adware, keystroke loggers or any other programs or code which would be

harmful to, interfere with or attempt to interfere with our systems;

● You will not engage in market research or any research intended to help a

competitor;

● You will not deploy any automated query program, such as a bot or spider, at any

time or for any purpose without our express written consent;

● You will not block or cover any advertisements on the website;

● With the exception of any personal information you share (which is covered

under our Privacy Policy), once you upload, post, send, email, or otherwise make

available any material, we have the right to display, repurpose or otherwise use

such material in any way; and

● You will notify us through the contact information provided below if you know or

have reason to know that a violation of any of our Guidelines has occurred.

We reserve the right to deny you access to the website and any Products in our sole

discretion at any time and for any reason.

INTELLECTUAL PROPERTY

The website and its content and all Products, including but not limited to videos,

coursework, training modules, photographs, sound recordings, images, digital content,

material available as a free download, software, text, graphics and other material, are

owned or licensed by the Company and are protected by copyright, trademarks

(whether registered or unregistered), design rights, database rights and all other

intellectual property rights afforded to us (“Intellectual Property”).

While you may view and have access to our Intellectual Property for your own personal

and non-commercial use, you agree to abide by the following:

● Our Intellectual Property must be kept intact with the proper copyright and other

intellectual property notices; and

● You may not reproduce, resell, distribute, publicly perform, create derivative

works, translate, transmit, post, republish, exploit, copy or otherwise use our

Intellectual Property for any commercial or non-personal use, unless you have

received explicit written consent from us to do so.

It is in our sole discretion to give written consent for you to reproduce, resell, distribute,

publicly perform, create derivative works, translate, transmit, post, republish, copy or

otherwise use our Intellectual Property. If you have any questions, please contact us

using the contact information provided below.

NO WARRANTIES

Your use of this website and any Products is entirely at your risk, as the website and our

Products are provided on an “as is” and “as available” basis. We do not make any

express or implied warranties or representations relating to the website, its content and

our Products, including but not limited to warranties of title, merchantability, fitness for a

particular purpose and non-infringement of third parties’ rights. We also do not make

any express or implied warranties or representations that the website will operate

without error or that the website, the servers relied on, our Products and any content is

free from computer viruses or other potentially harmful or destructive features. Some

jurisdictions do not permit the exclusion of certain warranties. As such, some of the

exclusions referenced in this section may not apply to you.

LIMITATION OF LIABILITY

To the fullest extent permissible by law, the Company and our directors, contractors,

successors, joint venture partners, shareholders, agents, affiliates, officers, employees,

assignees and licensees, as applicable, shall not be liable for any direct, indirect,

special, incidental, consequential, exemplary or other loss or damage, including but not

limited to damages for loss of profits, goodwill, business interruption, use or loss of data

or other intangible losses, which may directly or indirectly arise out of or be related to

your use of or inability to access this website or any Products or your reliance on any

advice, opinion, information, representation or omission contained on, or received

through this website or any Products, even if we have been advised of the possibility of

such damages occurring.This limitation of liability applies whether such liability arises from tort, negligence,

breach of contract or any other legal theory of liability.

INDEMNIFICATION

You shall indemnify, defend and hold harmless the Company and our affiliates, and our

respective directors, contractors, successors, joint venture partners, shareholders,

agents, affiliates, officers, employees, assignees and licensees from and against any

and all damages, liabilities, losses, costs and expenses resulting from any suits,

proceedings, judgments, demands, causes of action and claims (collectively, the

“Claims”), including legal and accounting fees and expenses, whether or not involving a

third party claim, to the extent arising out of, relating to or resulting from: (i) your use or

misuse of this website or any of our Products, (ii) your breach of this Agreement, or (iii)

your violation of any third party rights, including without limitation any copyright, trade

secret, trademark, right of publicity, privacy, property or other intellectual property or

proprietary rights. We will provide you with notice of any Claims, and may in our sole

discretion assist you, at your expense, in defending such Claims. We reserve the right

to assume exclusive control of defending any such Claim, at your expense, including

choice of legal counsel. You agree to cooperate and assist us in defending any such

Claim.

LIMITED LICENSE

Notwithstanding any other provisions in this Agreement, if you purchase any Products

or download any of our free Products, we grant you a limited, non-sublicensable,

non-transferable, non-exclusive, revocable license (“License”) to use or access the

Products for your personal and non-commercial use. You may not reproduce, resell,

distribute, create derivative works, translate, transmit, post, republish, exploit, copy or

otherwise use our Products for any commercial or non-personal use.

Your License is for individual use. You have no right to assign any of your rights or

transfer any of your obligations under this Agreement. If we discover that any violation

of the terms and conditions in this Agreement has occurred, including violation of the

License granted to you, we reserve the right to terminate your access to the Products

and invoice you for any damages.

CONFIDENTIAL INFORMATION

Please do not upload, post, send, email, or otherwise make available any material that

contains any confidential information.

FEES
When you purchase any Product through this website, you are responsible for all

applicable fees and taxes. It is your responsibility to provide complete, accurate and

up-to-date billing and credit card information. If you are on a payment plan or recurring

payment, it is your responsibility to keep an up-to-date payment method with us. If your

payment method is declined or expired, you hereby agree to pay all applicable fees and

taxes due upon demand. You also agree to pay all costs of collection, including but not

limited to attorney’s fees, on any outstanding balance.

WEBSITE AVAILABILITY

Your access to the website or Products may be occasionally restricted, such as when

we need to make repairs or are introducing new features. Your access to the website or

Products may also become permanently disabled, such as if we decide to terminate the

operation of the website or Products. We cannot guarantee that you will have

continuous access to the website or Products.

NO REFUNDS

We reserve the right to change our refund policy at any time. We do not offer refunds

for any of our Products under any circumstances. We believe we provide products

and services that are high-quality and at a reasonable price point.

GOVERNING LAW

All matters relating to or arising out of this Agreement shall be governed by and

construed and interpreted under the laws of the State of North Carolina,

United States of America without regard to conflicts of laws principles that would require the application of any

other law.

Section: Binding Arbitration

If you purchased the Mandatory Arbitration clause so you can avoid long, expensive

lawsuits, insert the section here. If you did not purchase the Mandatory Arbitration

clause but would like to, you can purchase it by going to your Dashboard.

INJUNCTIVE OR OTHER EQUITABLE RELIEF

We may seek injunctive or other equitable relief that is necessary to protect our rights

and intellectual property. All actions or proceedings related to this Agreement that are

not subject to binding arbitration will be brought solely [ If within the United States ,

insert your state of incorporation or principal place of business in this format: “in the

state or federal courts of the State of ______, United States of America”. For example,

“in the state or federal courts of the State of California, United States of America”. If

outside of the United States , insert your country in this format: “in the courts of ____.”.

For example, “in the courts of Japan”.] . You hereby unconditionally and irrevocably

consent to the personal and subject matter jurisdiction of those courts for purposes of

any such action.

CLASS ACTION WAIVER

You agree that any dispute arising out of or relating to this Agreement shall be solely

between you and the Company.YOU AGREE TO WAIVE THE RIGHT TO LITIGATE IN COURT OR ARBITRATE ANY

CLAIM OR DISPUTE AS A CLASS ACTION. YOU AGREE THAT YOU WILL ONLY

MAKE CLAIMS AGAINST US IN YOUR INDIVIDUAL CAPACITY, AND CANNOT

MAKE CLAIMS AGAINST US AS A MEMBER OF A CLASS OR AS A

REPRESENTATIVE.

ENTIRE AGREEMENT

This Agreement, the Privacy Policy and Disclaimer contain the entire agreement

between you and the Company with respect to the subject matter hereof and thereof

and supersede all prior agreements and undertakings, both written and oral, with

respect thereto.

TERMINATION OF AGREEMENT

We reserve the right, in our sole discretion, to terminate this Agreement and to

terminate, restrict, deny, or suspend your access to the website and all Products at any

time and for any purpose without prior notice. We also reserve the right to discontinue

any or all of the website or Products at any time and for any purpose without prior

notice.

SEVERABILITY

If any term or other provision of this Agreement is held to be invalid, prohibited or

unenforceable under applicable law, the other provisions of this Agreement will remain

in full force and effect.

MISCELLANEOUS

Our failure to act on or delay in exercising any privilege, power or right under this

Agreement will not operate as a waiver of such privilege, power or right, and no single

or partial exercise of any such privilege, power or right will preclude any other or further

exercise of such privilege, power or right or the exercise of any other privilege, power or

right.

Subheadings in this Agreement are used for convenience of reference only and in no

way define, describe, limit or extend the scope of this Agreement or the intent of any of

its provisions. They shall not be considered in construing or interpreting this

Agreement.

The terms and conditions of this Agreement shall inure to the benefit of and be binding

upon the successors, heirs, executors, administrators, legal representatives andassigns of the Company. Nothing in this Agreement, express or implied, is intended to

confer upon any party other than the Company or our successors, heirs, executors,

administrators, legal representatives and assigns, any rights, remedies, obligations or

liabilities under this Agreement. You may not assign any of your rights or transfer any

obligations under this Agreement to any other person.

If any action at law or in equity is necessary to enforce or interpret the terms of this

Agreement, the prevailing party shall be entitled to reasonable attorneys’ fees, costs

and disbursements in addition to any other relief to which such party may be entitled.

HOW TO CONTACT US

If you have any questions, please contact us using the information below.

● By email: kate@polymathchick.com