Policy: Terms & Conditions

VIRTUAL TRAINING AGREEMENT

THIS IS A LEGAL AGREEMENT BETWEEN YOU (“AGENT” or “YOU”) AND MAMMOSER INSURANCE AGENCY, INC DBA TEAM LED LIFE (“PRESENTER”). By signing up for access to virtual training for

your employees, you are agreeing to be legally bound by all of the terms and conditions of this

Enrollment Agreement (the “Agreement”).

1. Agent Generally Agrees as follows:

a. The Training Materials (defined below) are the sole and exclusive

property of Presenter or its licensors, and Agent will not allow the Training Materials

or any portion thereof, to be used except by its employees and only while attending

the training;

b. Agent shall not cause or allow its employees to copy or cause to be copied

or reproduced in any way, form, or manner, electronic or otherwise, any of the

Training Materials or portion thereof;

c. Agent shall not cause or allow its employees to, directly or indirectly,

distribute, make available, publicly display, publicly perform, create derivative works

from the Training Materials or portion thereof in any form or manner, including

online;

d. Neither Agent nor its employees are permitted to record any of the

provided training in any audio, video or other formats. No photography, video taping,

filming, audio recording, or the like is permitted.

2. Cost and Charges. The charge for a 1-year membership is $299 per month for

twelve months, with the first month charged at the time of sign-up and the balance charged on

the first day of each subsequent month, in advance. By signing up for training and providing

your credit card number, you authorize Presenter to make 12 charges of $299 with no ability to

cancel prior to the end of the year and no refunds available. In the event your credit card on file

is discontinued for any reason, You agree you will provide Presenter with an updated card prior

to the first day of the following month.

a. The cost of the Basic Simple Conversation Training is $1500.00. If You sign up for the annual program within 7 days of your purchase of the single program, the

$1500.00 will be applied to the cost of the 1-year membership.

3. Cancellation. Your membership may not be cancelled except by giving written

notice to Presenter at the address below at least 30 days in advance of the end of the annual term.

Failure to timely provide written notice will result in your membership being renewed at the

then-current pricing, and in such event you specifically authorize Presenter to charge the credit

card on file.

4. Your Participation May be Recorded. By participating in the training, you

understand that portions of the training may be recorded in video and audio and/or captured in

still and/or digital photographs. You hereby grant Presenter and its affiliates and assigns the right

and permission to use in perpetuity your name, likeness, photographic images, voice, and/or

testimonial(s), in any manner and in any media, throughout the world, at any time, for the

purpose of advertising and publicizing Presenter’s products and services. Presenter owns all

rights, title and interest, including intellectual property rights, in any audio, video, and/or

photograph captured during the training. Presenter reserves the right to use any such photographs

and video and/or audio recordings in any media, in perpetuity, without any compensation or prior unless specifically prohibited by law, including without limitation on its website and

social media pages.

5. Intellectual Property Rights. You acknowledge that (i) anyone attending the

training may receive and/or have access to certain materials, information, data, methodologies,

and other creative output (collectively, “Content”), and (ii) this Content is owned by Presenter,

its employees, licensors, representatives, business associates, advertisers, directors, agents,

consultants, mentors, lecturers, and independent contractors participating in the training

(collectively referred to as “Contributors”). You acknowledge that Presenter, and other

Contributors own all right, title and interest, including intellectual property rights, in their

respective Content under copyright and other applicable laws and treaty provisions, and that

except as described in this Agreement, such rights are not licensed or otherwise transferred by

mere attendance or registration for the training. You accept full responsibility and liability for

your use of any Content in violation of any such rights. You also acknowledge that Presenter is

not responsible for any misuse of Content by third parties.

6. Program Materials. You also agree that all the materials displayed or distributed

during the training, or provided to you or which you may have access to in conjunction with the

training, including without limitation: class handouts, teaching materials, presentations, audio

and video material or stills from audiovisual material, graphics, slides, drawings, pictures,

characters, animations, text, and data, and all intellectual property rights therein (such as

copyrights and trademarks) (collectively “the Training Materials”) are the sole and exclusive

property of Presenter or its Contributors. The Training Materials shall remain at all times the

property of Presenter and/or of the Contributors. You shall not cause or allow Your employees to

copy, distribute, make available, display, publish, perform or create derivative works from (by

electronic means or in any other way) the Training Materials or Content without prior written

permission from an authorized agent of Presenter. This includes forwarding or commercially

exploiting the Training Materials or content. Neither this Agreement nor Presenter’s disclosure

or display of the Training Materials or Content shall be deemed, by implication or otherwise, to

grant you any licensed interest or property right in, under or to any of the Training Materials or

Content and any intellectual property rights therein.

7. Waiver and Release From Liability.

a. You, on behalf of yourself and your assigns and heirs, devisees and estate

(collectively “Successors”), hereby unconditionally and forever release, discharge and

agree to hold harmless Presenter, and its affiliates, assigns and subsidiaries, along

with each of its officers, directors, employees, volunteers, agents and contractors

(collectively, “Released Parties”), from any and all claims, judgments, costs,

damages, losses, expenses and liabilities (whether arising under a theory of contract,

warranty, tort, strict liability, product liability or any other theory), relating to any

claim you may now or hereafter have with respect to any death, personal injury,

property damages, pecuniary loss or other loss, damage cost or expense (collectively

“Harm”) that may be suffered by you or any third party as a result of, or in connection

with, the training, or any portion thereof, even if such harm is caused in part by the

recklessness, negligence, or fault of one or more Released Parties.

b. You specifically understand and agree that this Release will prevent

you and your successor(s) from bringing a lawsuit, claim or other action against

any Released Party and from recovering any money damages or other legal relief from any Released Party in connection with any of the claims released

above.

8. Indemnification. You agree to, and shall, indemnify, defend, and hold harmless

Presenter and its parent company, affiliates, subsidiaries, divisions, officers, directors,

employees, representatives, agents, contractors, assigns and successors-in-interest (collectively

“Releasees”) from and against any claim, demand, damage, cost or other expense (including

reasonable attorney fees) asserted by any third party due to, arising out of, or in any way related

to, any violation by You of this Agreement.

EVENT ENROLLMENT AGREEMENT

THIS IS A LEGAL AGREEMENT BETWEEN YOU (“REGISTRANT” or “YOU”) AND MAMMOSER INSURANCE AGENCY, INC DBA TEAM LED LIFE (“PRESENTER”). By registering for and attending this event, you are

agreeing to be legally bound by all of the terms and conditions of this Enrollment Agreement (the

“Agreement”).

1. Registrant Generally Agrees as follows:

a. The Program Materials are the sole and exclusive property of Presenter or its

licensors, and Registrant will use the Program Materials or any portion thereof, only for his or

her own personal educational purposes;

b. Registrant shall not copy or cause to be copied or reproduced in any way, form,

or manner, electronic or otherwise, any of the Program Materials or portion thereof;

c. Registrant shall not, directly or indirectly, distribute, make available, publicly

display, publicly perform, create derivative works from the Program Materials or portion

thereof in any form or manner, including online;

d. Registrant is not permitted to record any of the Event in any audio, video or

other formats. No photography, video taping, filming, audio recording, or the like is

permitted.

2. Change or Cancellation. The Event is subject to change or cancellation, for any reason.

Presenter reserves the right to change the published agenda for the Event, including changes to scheduled

times and speakers, without notice.

3. Your Participation May be Recorded. By participating in the Event, you understand

that portions of the Event may be recorded in video and audio and/or captured in still and/or digital

photographs. You hereby grant Presenter and its affiliates and assigns the right and permission to use in

perpetuity your name, likeness, photographic images, voice, and/or testimonial(s), in any manner and in

any media, throughout the world, at any time, for the purpose of advertising and publicizing Presenter’s

products and services. Presenter owns all rights, title and interest, including intellectual property rights, in

any audio, video, and/or photograph captured during the Event. Presenter reserves the right to use any

such photographs and video and/or audio recordings in any media, in perpetuity, without any

compensation or prior review unless specifically prohibited by law, including without limitation on its

website and social media pages.

4. Intellectual Property Rights. You acknowledge that: (i) by attending the Event you may

receive and/or have access to certain materials, information, data, methodologies, and other creative

output (collectively, “Content”), and (ii) this Content is owned by Presenter, its employees, licensors,

representatives, business associates, advertisers, directors, agents, consultants, mentors, lecturers, and

independent contractors participating in the Event (collectively referred to as “Contributors”). You

acknowledge that Presenter, and other Contributors own all right, title and interest, including intellectual

property rights, in their respective Content under copyright and other applicable laws and treaty

provisions, and that except as described in this Agreement, such rights are not licensed or otherwise

transferred by mere attendance or registration for the Event. You accept full responsibility and liability for

your use of any Content in violation of any such rights. You also acknowledge that Presenter is not

responsible for any misuse of Content by third parties.

5. Program Materials. You also agree that all the materials displayed or distributed

during the Event, or provided to you or which you may have access to in conjunction with the

Event, including without limitation: class handouts, teaching materials, presentations, audio and

video material or stills from audiovisual material, graphics, slides, drawings, pictures, characters,

animations, text, and data, and all intellectual property rights therein (such as copyrights and

trademarks) (collectively “the Program Materials”) are the sole and exclusive property of

Presenter or its Contributors. The Program Materials shall remain at all times the property of

Presenter and/or of the Contributors. You shall not copy, distribute, make available, display,

publish, perform or create derivative works from (by electronic means or in any other way) the

Program Materials or Content without prior written permission from an authorized agent of

Presenter. This includes forwarding or commercially exploiting the Program Materials or

content. Neither this Agreement nor Presenter’s disclosure or display of the Program Materials or

Content shall be deemed, by implication or otherwise, to grant you any licensed interest or

property right in, under or to any of the Program Materials or Content and any intellectual

property rights therein.

6. Acknowledgment of Risk; Waiver and Release From Liability.

a. You acknowledge that any participation in the Event is solely at your own

risk. You hereby consent to voluntarily participating in the Event offered by

Presenter. You certify that you have full knowledge of the nature and extent of the

risks inherent in any educational event, including injury, illness or death, and that you

are voluntarily assuming these risks. You understand that the description of these

inherent risks is not complete and that other unknown or unanticipated inherent risks

may result in injury or death.

b. You, on behalf of yourself and your assigns and heirs, devisees and estate