Terms of Service

1. Who We Are; Agreement to These Terms

1.1 The Company. The AI Frontrunners training program, the associated webinars, websites, web app, sales calls, communities, live sessions, downloadable materials, tools, and all related services (collectively, the "Program" or "Services") are owned and operated by Remote Sales Training TC Inc., a Florida corporation, with a principal business address at 7901 4th Street N Ste 300, St Petersburg, FL 33702 ("Company," "we," "us," or "our"). "AI Frontrunners" is a brand and program name used by Company.

1.2 Electronic Signatures. You agree that clicking, tapping, typing your name, drawing or adopting a signature, initialing, checking a box, or otherwise indicating assent electronically is your electronic signature and has the same legal effect as a handwritten signature, consistent with the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN), the Florida Electronic Signature Act, and other applicable law.

1.3 Records and Evidence. Company keeps records of your agreement and of your use of the Program, including: the records of each signature and acceptance (timestamp, IP address, device information, email verification, and the version of the document you accepted); your checkout and payment records; the date and time you joined the AI Frontrunners Discord server and each role you were given; your web app sign-ins, lesson views, and progress; your live-session attendance; recordings of calls under Section 17; and your messages and correspondence with Company. You agree that Company may keep and use these records as evidence, including in responding to any payment dispute, complaint, arbitration, or lawsuit, and that they are admissible to the same extent as paper records.

1.4 The Documents That Make Up Your Agreement. These Terms of Service, the Privacy Policy at https://timchao.ai/privacy-policy, the Refund Policy at https://timchao.ai/refund-policy, and the Cancellation Policy at https://timchao.ai/cancellation-policy (together with these Terms of Service, the "Terms") form a legally binding agreement between you and Company. Each of those policies is incorporated into these Terms of Service by reference. If you sign an AI Frontrunners Service Agreement or other written enrollment agreement (an "Enrollment Agreement"), the Terms are part of that Enrollment Agreement in full and apply together with it.

1.5 Order of Precedence. If an Enrollment Agreement and the Terms directly conflict, the Enrollment Agreement controls. Where an Enrollment Agreement is silent, the Terms apply. Among the Terms, the Refund Policy and Cancellation Policy control as to refunds, cancellations, and payment plans; these Terms of Service control over the Privacy Policy on any other matter.

1.6 How You Accept. You accept the Terms by doing any of the following: registering for or attending a webinar or event we host; booking or attending a call with us or our representatives; creating an account; clicking a box or button indicating agreement; signing an Enrollment Agreement; submitting payment; or accessing or using any portion of the Program. Your continued use after any update to the Terms is acceptance of the updated Terms, subject to Section 28.

2. Eligibility: Adults Only; Business Purpose

2.1 Adults Only. The Program is for adults only. You must be at least eighteen (18) years old (or the age of majority in your jurisdiction, if higher) and legally capable of entering into a binding contract. Company does not enroll anyone under 18, does not accept enrollment agreements signed for or by minors, and may end the access of anyone it learns is under 18. The Program is not directed to, and may not be purchased by or for, anyone under 18.

2.2 Business Purpose. You represent that you are purchasing the Program for the purpose of starting, operating, or improving a business, trade, profession, or occupation (specifically, learning to market and sell artificial-intelligence-related products, services, or implementations to businesses), and not primarily for personal, family, or household purposes. You acknowledge that the Program is professional and vocational training for entrepreneurs, sales professionals, consultants, and agency owners.

2.3 Entity Purchasers. If you purchase on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" includes both you individually and that entity, jointly and severally. Each individual who accesses the Program must hold their own seat.

2.4 Accurate Information. You agree to provide truthful, accurate, and complete information at registration, enrollment, and checkout and to keep it current. Providing false information (including a false name, age, address, or payment information) is a material breach and may constitute fraud.

2.5 Compliance. You represent that you are not located in, and are not a resident of, a country or region subject to comprehensive U.S. sanctions, and that you are not a prohibited or restricted party under U.S. law.

3. Definitions

"Access Date" has the meaning given in Section 7.1. "Access Period" means the twelve (12) months that begin on your Access Date, as described in Section 7.6. "Enrollment Agreement" has the meaning given in Section 1.4. "Materials" means all content of any kind made available through the Program, including videos, recordings, audio, slides, scripts, templates, frameworks, prompts, checklists, worksheets, software, the web app, tools, AI agents or assistants, community posts by Company, and any updates or derivatives of them. "Purchase Date" means the date your first payment (or first installment) is received. "Student," "Member," "you," and "your" mean the individual or entity that registers for, purchases, or accesses the Program. "Third-Party Platforms" means services not owned by Company that we use to deliver the Program or take payment, including checkout and payment platforms (such as Whop, Commas, and their payment processors), bank and peer-to-peer payment services (such as Zelle and Apple Cash), the Discord community platform, video conferencing (such as Zoom and Google Meet), course-hosting and web app infrastructure, email and SMS providers, scheduling tools, e-signature providers, AI note takers, and AI tool providers. "Tier" means the level of the Program you purchased, as described in Section 5.

4. The Program

4.1 Educational Nature; No Clients or Leads. The Program is purely educational and informational. Company does not (a) sell, place, or refer clients, customers, leads, accounts, or territories to you; (b) guarantee you will obtain any client, contract, income, or business result; (c) provide done-for-you services unless separately and expressly purchased under a written agreement; or (d) act as your employer, employment agency, business partner, franchisor, or business-opportunity seller. Your success depends entirely on your own effort, skill, judgment, market conditions, and factors beyond Company's control.

4.2 Description. AI Frontrunners is an educational training program that teaches strategies, frameworks, and skills for identifying, prospecting, pitching, selling, and delivering artificial-intelligence-related products and services to businesses. Depending on your Tier, the Program may include pre-recorded video modules and a web app, downloadable Materials, live group coaching calls, the private AI Frontrunners Discord server, templates, scripts, tools, and other components as described at the time of purchase.

4.3 Changes to the Program. Company continuously improves the Program. We may, at any time and in our sole discretion, add, modify, replace, resequence, re-record, or remove Materials, modules, bonuses, tools, web app features, community features, live-call schedules, formats, instructors, and Third-Party Platforms, provided that the Program continues to address substantially the same core subject matter. Such changes do not entitle you to a refund, credit, or other compensation.

4.4 Support; No Professional Advice. Support is provided through the channels we designate (typically email and the Discord server) during our normal business hours. We do not guarantee response times. Support does not include one-on-one consulting, technical implementation, legal, tax, accounting, or financial advice, or assistance selling to or servicing your clients, unless expressly stated in your Enrollment Agreement. See also Section 13.

4.5 Live Calls. Live calls (group coaching calls, Q&A, workshops, guest sessions) are scheduled at Company's discretion and may be rescheduled, canceled, combined, shortened, or led by a Company representative other than Timothy Chao. Company will make reasonable efforts to record live group calls and make recordings available; a recording (or the opportunity to submit questions in advance or in the Discord server) is a complete substitute for live attendance. Missing a live call, time-zone inconvenience, or inability to attend live is not grounds for a refund.

4.6 Bonuses and Promotional Items. Bonuses, limited-time additions, guest content, tools, software credits, and similar promotional items are provided "as is," have no independent cash value, may be changed or withdrawn at any time, and are not a material part of the consideration for your purchase.

4.7 Third-Party Platforms. Delivery of the Program depends on Third-Party Platforms. You agree to comply with their terms. Company is not responsible for outages, changes, data loss, account actions, or discontinuation of any Third-Party Platform and may move the Program to other platforms at any time.

4.8 No Certification or Employment. Completing the Program does not confer any degree, accreditation, professional license, certification recognized by any governmental or accrediting body, or guarantee of employment or engagement.

5. Membership Tiers

5.1 AI Frontrunners (Full Membership). The full membership includes the full Program: the course and web app, live group coaching calls, the private AI Frontrunners Discord server with the Member role, and the other resources described at purchase.

5.2 AI Frontrunners Lite. Lite includes the AI Frontrunners Discord server with the Lite role, limited live group coaching calls, and limited web app features, as described at purchase. Lite does not include the parts of the Program reserved for the full membership.

5.3 Changes to Tiers. What each Tier includes, including which live calls, channels, and web app features it can reach, may change under Section 4.3. A change is not grounds for a refund.

5.4 Upgrades. If Company offers you an upgrade from Lite to the full membership, the upgrade is a separate purchase at the price and on the terms stated when you accept it, and it is governed by these Terms. An upgrade does not change the Access Date or Access Period of your original purchase unless the upgrade offer says so in writing.

6. Accounts, Your Discord Seat, and Security

6.1 Your Account. You are responsible for keeping your login credentials confidential and for all activity under your account. You may not share, sell, lend, or transfer your account or credentials. Notify us immediately at reachtimchao@gmail.com of any unauthorized use.

6.2 Your Discord Invite and Seat. Your invite to the AI Frontrunners Discord server, and the seat and role it gives you, are for you alone. You may not pass on, sell, or share an invite link, let anyone else use your Discord account to view the server, or keep a role for anyone else.

6.3 Detecting Sharing. Company may use technical measures (including watermarking, device fingerprinting, IP logging, concurrent-session limits, and access analytics) to detect unauthorized sharing. Access from an unreasonable number of devices or locations, or evidence of credential sharing, may result in suspension or termination without refund.

7. Delivery, the Access Date, and Your Access Period

7.1 When the Program Is Delivered. The Program is delivered, and you are fully onboarded, the first time you are given access to the AI Frontrunners Discord server with a member role (the Member role or the Lite role) or first sign in to the AI Frontrunners web app, whichever happens first (the "Access Date").

7.2 Records of Delivery. Company records the date and time of your Discord join and each role you are given, and of each web app sign-in, under Section 1.3. These records are proof of delivery.

7.3 Delivery Does Not Depend on Use. Once your Access Date has passed, the Program has been delivered whether or not you watch any lesson, attend any call, post in the Discord server, or use any other part of the Program.

7.4 Leaving Does Not Undo Delivery. Leaving the Discord server, muting it, deleting your Discord account, or not signing in again does not undo delivery, pause your Access Period, or reduce what you owe.

7.5 Suspension. If Company pauses or suspends your access under these Terms (for example, for a late installment under Section 9.7), the suspension does not extend your Access Period.

7.6 Twelve Months; No Automatic Renewal. Both Tiers are annual. Your access lasts twelve (12) months from your Access Date and then ends. Your purchase does not renew automatically, and you will not be charged again unless you choose to buy another term. If you enrolled before October 20, 2026, the access period stated in the agreement you signed, or at your checkout, continues to apply to that purchase.

8. All Sales Final; Refunds

8.1 All Sales Final. ALL PURCHASES ARE FINAL AND NON-REFUNDABLE. Company gives no refunds, returns, exchanges, credits, or partial or prorated refunds for any reason, except as stated in the Refund Policy or as required by non-waivable law.

8.2 Why. The Program is digital content and live access that you receive right away, and Company incurs delivery, platform, and staffing costs at the moment you enroll.

8.3 Non-Use. Not using the Program, not finishing it, not attending live calls, or leaving the Discord server is not grounds for a refund, credit, or reduction of any amount owed.

8.4 Results and Changes. Not achieving any result (see Sections 11 and 12), changing your mind, changes to the Program or your Tier under Sections 4.3 and 5.3, and removal from the Program for breaking these Terms are not grounds for a refund.

8.5 Refund Policy. The Refund Policy at https://timchao.ai/refund-policy explains these rules, the billing-error corrections Company makes, and how to ask for a refund where non-waivable law requires one. It is incorporated into these Terms.

8.6 Immediate Access; Waiver of Withdrawal Rights. You expressly request and consent to immediate delivery of and access to the Program's digital content and community. You acknowledge that, by requesting immediate access, you give up any statutory "cooling-off," "right of withdrawal," or cancellation right that might otherwise apply to distance or online purchases (including under the EU Consumer Rights Directive and the UK Consumer Contracts Regulations), to the fullest extent such rights may be waived.

9. Price, Payment, and Payment Plans

9.1 Price. The price of the Program is the price stated in your Enrollment Agreement or, if you have none, at checkout. Prices may change at any time; price changes do not apply retroactively and do not entitle prior purchasers to refunds or credits. Promotional pricing, discounts, and coupons are subject to the terms stated with the offer.

9.2 Payment Methods and Authorization. You may pay by any method Company accepts, which may include a checkout link (such as Whop or Commas), a bank transfer, Zelle, Apple Cash, cryptocurrency, or another method Company agrees to in writing. By submitting payment information, you authorize Company and its payment providers to charge the payment method you provide for the full price or for each installment, plus any applicable taxes and fees, on the schedule in your Enrollment Agreement or checkout. You represent that you are the authorized holder of the payment method, or have the account holder's express permission, and that sufficient funds or credit are available.

9.3 One Purchase, Not a Subscription. If you pay in installments, you are buying the Program once, at the full stated price, and paying that price in installments. A payment plan is not a subscription, membership, or recurring service, and it cannot be canceled after your Access Date to avoid the remaining installments.

9.4 Full Balance Owed. You owe the full price, including every remaining installment, whether or not you access, use, or finish the Program, and whether or not you wish to stop participating.

9.5 Keeping Your Payment Method Current. You agree to keep your payment method current. You authorize Company and its payment providers to obtain updated card information from your card issuer (for example, through account-updater services) and to charge the updated card.

9.6 Late Installments and Late Fee. An installment is late if it is not paid within ten (10) days after its due date. Each late installment carries one late fee of the lesser of twenty-five U.S. dollars ($25) or five percent (5%) of the missed amount. Company may retry a failed charge.

9.7 Pausing Access. While any installment is late, Company may pause your access to all or part of the Program until you are current. A pause does not extend your Access Period (Section 7.5).

9.8 Notice of Default. If a late installment is still unpaid, Company may email you a written notice of default at the email address on your account, stating the amount past due.

9.9 Acceleration. If the past-due amount is still unpaid ten (10) days after Company emails the notice of default, Company may, by a second written notice, declare the entire remaining balance due immediately.

9.10 Interest. From the date of that second notice, the unpaid balance bears simple interest at the lesser of eighteen percent (18%) per year or the highest rate permitted by law.

9.11 Collection Costs and Attorneys' Fees. Company may refer an unpaid balance to a collection agency or attorney and report the delinquency as permitted by law. In any action, arbitration, or other proceeding to collect an amount owed under the Terms or an Enrollment Agreement, the prevailing party is entitled to recover its reasonable attorneys' fees and costs.

9.12 Taxes. Prices exclude applicable sales, use, VAT, GST, digital-services, withholding, and similar taxes, which are your responsibility, unless the price is stated as including tax. If Company is required to collect tax, it will be added to the amount due.

9.13 Currency and Fees. Charges are in U.S. dollars unless otherwise stated. You are responsible for any foreign-transaction, currency-conversion, network, or wire fees your bank, card issuer, or payment service charges.

9.14 Pricing Errors. If a price is stated in error, Company may cancel the transaction and return any amount paid for it, or offer the Program at the correct price.

10. Payment Disputes and Chargebacks

10.1 Contact Us First. Before contacting a bank, card issuer, or payment provider about any charge, you will email reachtimchao@gmail.com, describe the issue, and give Company ten (10) business days to resolve it.

10.2 No Disputes Over Covered Reasons. You agree not to file a chargeback, payment dispute, or reversal (a "Dispute") for any reason the Terms address, including dissatisfaction, change of mind, non-use, lack of results, missed live calls, changes to the Program, or a payment plan you chose. The Refund Policy is the exclusive way to seek a refund, credit, or payment adjustment.

10.3 Material Breach. Filing a Dispute in violation of Section 10.1 or 10.2 is a material breach of the Terms and of any Enrollment Agreement.

10.4 Ending Access. If you file a Dispute that is withdrawn, lost, or without merit, Company may end your access to the Program without refund and refuse future business with you.

10.5 Costs and Balance. In that case, Company may also recover from you the actual dispute fees its payment processors and card networks charge for the Dispute and its actual collection costs, collect any unpaid balance (including by acceleration under Section 9.9), and, if Company prevails in any proceeding, recover its reasonable attorneys' fees and costs under Section 9.11.

10.6 Evidence to Your Bank. You authorize Company to give your bank, card issuer, payment processors, card networks, and fraud-prevention services the information reasonably needed to respond to a Dispute, including your Enrollment Agreement, the Terms you accepted, your access and activity records under Section 1.3, and your messages with Company.

11. No Earnings or Results Guarantee

11.1 No Guarantee of Results. COMPANY MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT YOU WILL EARN ANY MONEY, ACQUIRE ANY CLIENTS, CLOSE ANY DEALS, ACHIEVE ANY LEVEL OF REVENUE OR PROFIT, RECOUP THE COST OF THE PROGRAM, OR ACHIEVE ANY PARTICULAR OUTCOME.

11.2 Results Are Not Typical. Any examples, case studies, income figures, screenshots, testimonials, or statements about the results of Company, Timothy Chao, other students, or third parties are illustrative only, reflect the specific circumstances and efforts of those individuals, are not typical, and are not a promise or prediction of your results. Many students earn nothing. Some students lose money on their businesses.

11.3 What Your Results Depend On. Your results will depend on your background, experience, work ethic, sales ability, market, pricing, competition, economic conditions, the evolving AI industry, regulatory developments, and many other factors outside Company's control.

11.4 Your Business Is Your Own. You alone decide whether and how to apply anything you learn. Company has no control over, and no responsibility for, your business, your clients, your contracts, your pricing, your marketing, your use of AI tools, your compliance, or any product or service you sell or deliver.

11.5 No Reliance on Income. You confirm that you did not buy the Program based on any promise or expectation of income.

12. Testimonials, Forward-Looking Statements, and Outside Promises

12.1 Testimonials and Endorsements. Testimonials reflect the honest opinions and actual experiences of the individuals giving them, are not paid unless disclosed, and are not representative of all students. Where a testimonial reflects an exceptional result, the generally expected result is that a student's outcome will be materially less favorable.

12.2 Forward-Looking Statements. Any statements about potential earnings, market size, industry trends, or future performance are forward-looking statements that reflect opinions and assumptions, may prove inaccurate, and should not be relied on in making purchasing or business decisions.

12.3 Deal Sizes and Examples. Deal sizes, price ranges, and example engagements described in marketing or in the Program describe what is possible in the market, not what you will achieve.

12.4 Third-Party Tools and the AI Industry. The Program references and may provide access to third-party AI tools, models, platforms, and software. These are controlled by third parties, change frequently, may be discontinued, may produce inaccurate or harmful outputs, and are subject to their own terms. Company does not warrant the performance, availability, accuracy, or legality of any third-party tool or AI output.

12.5 No Outside Promises. Nothing said on a webinar, sales call, onboarding call, live call, advertisement, social-media post, or message is a promise, warranty, or term of your purchase. Only the Terms and your Enrollment Agreement count (Section 29.1).

13. Not Professional Advice

The Program provides general education. Nothing in the Program constitutes legal, tax, accounting, financial, investment, employment, immigration, regulatory, or other professional advice, and no professional-client relationship is created. Sales practices, AI deployment, data handling, marketing communications, and contracting are regulated activities in many jurisdictions; you are solely responsible for consulting qualified professionals and complying with all laws that apply to your business.

14. Conduct and Community Rules

14.1 Conduct. You will follow the posted rules of the Discord server and the Terms. You will not: (a) harass, threaten, demean, defame, or discriminate against Company, its team, guests, or other students; (b) pitch, solicit, recruit, or sell to other students for any business, opportunity, program, or service without Company's prior written consent; (c) share other students' business details or contact information outside the community (Section 16.1); (d) post or transmit spam, malware, unlawful content, or content that infringes anyone's rights; (e) impersonate any person or misrepresent your affiliation; (f) use the Program for any unlawful, deceptive, or fraudulent purpose, or to sell or deploy AI in a way that violates applicable law; or (g) interfere with or disrupt the Program, Third-Party Platforms, or other students' use.

14.2 Moderation. Company's communities are professional environments. Company may moderate, edit, or delete any post and may suspend or remove any member from the Discord server or the Program, in its sole discretion, with or without notice.

14.3 Removal Gives No Refund. Removal from the Discord server or the Program for breaking the community rules or the Terms gives no right to a refund, and any unpaid balance stays due.

14.4 Your Content. You keep ownership of content you post in Program communities or submit to Company ("Your Content"). You grant Company a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, modify, display, distribute, and create derivative works of Your Content in connection with operating, promoting, and improving the Program, subject to the Privacy Policy. You represent that you have all rights necessary to grant this license and that Your Content does not violate any law or third-party right.

14.5 Feedback. Any suggestions, ideas, or feedback you provide about the Program become Company's property and may be used without restriction or compensation.

15. Intellectual Property; No Sharing

15.1 Ownership. The Program and all Materials, including all copyrights, trademarks (including "AI Frontrunners"), trade secrets, know-how, methodologies, frameworks, scripts, designs, software, and other intellectual property, are and remain the exclusive property of Company and its licensors. Nothing in the Terms transfers any ownership interest to you. All rights not expressly granted are reserved.

15.2 Your License. Subject to your compliance with the Terms and payment of what you owe, Company grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view the Materials for your own learning during your Access Period. You may apply the skills, strategies, sales frameworks, and script concepts taught in the Program in your own sales conversations, proposals, and business with your own prospects and clients.

15.3 No Sharing or Reselling. You will not: (a) share your login or account access; (b) give, sell, publish, upload, or otherwise make Materials available to anyone who has not paid for them, including through group buys, file-sharing sites, forums, or private messages; (c) record, screen-capture, download (other than downloads Company expressly enables), scrape, mirror, or archive any Materials, live calls, or Discord content; (d) use the Materials to build, market, or deliver a competing course, training, coaching program, mastermind, or educational product, or to train, fine-tune, or prompt any artificial-intelligence model or system; (e) teach, license, or resell the Program's content, methodology, or curriculum to others as training, coaching, or education; (f) remove, obscure, or alter any copyright, trademark, watermark, or proprietary notice; or (g) reverse engineer, decompile, or circumvent any security, access-control, or content-protection measure.

15.4 Remedies for Sharing. If you violate Section 15.3, Company may end your access without refund, recover its actual damages (including any revenue you earned from the violation) and, if Company prevails, its reasonable attorneys' fees and costs, and ask a court to order the violation to stop under Section 25.8.

15.5 Trademarks. You may not use the names "AI Frontrunners," "Remote Sales Training TC Inc.," "Tim Chao," or any Company logo or trademark in a way that suggests affiliation, endorsement, certification, or partnership without Company's prior written consent.

15.6 Copyright Notices. If you believe content on our Services infringes your copyright, send a notice that meets 17 U.S.C. § 512(c)(3) to reachtimchao@gmail.com.

16. Confidentiality

16.1 Other Students' Information. Information shared by other students in the Discord server, on live calls, or anywhere in the Program, including their business details, results, challenges, and contact information, is confidential. You may not share, publish, or use it outside the Program, or contact other students for commercial solicitation, without their express consent.

16.2 Company Confidential Information. The Materials, the methodology and structure of the Program, unpublished strategies, scripts, pricing, internal processes, and any non-public information disclosed to you are Company's confidential information and trade secrets. You will hold them in strict confidence, use them only as the Terms permit, and not disclose them to anyone during your Access Period or afterward.

16.3 Exceptions. Confidentiality obligations do not apply to information that is publicly available through no fault of yours, that you can show you had before it was disclosed, or that you are legally compelled to disclose (provided you give Company prompt notice and cooperate in seeking protective treatment where lawful).

17. Recordings, Testimonials, and Publicity

17.1 Group Recordings. Live group calls, Q&A sessions, workshops, and community events may be recorded (audio, video, and chat) and transcribed, and the recordings may be made available to other students. If you do not wish to appear in a group recording, keep your camera off, stay muted, and do not post in the chat.

17.2 Testimonials and Likeness. You grant Company a perpetual, irrevocable, worldwide, royalty-free license to use your name, likeness, voice, image, business name, statements, results, screenshots you share, community posts, and any testimonial or review you provide (written, audio, or video) in Company's marketing, advertising, sales materials, websites, social media, and Program content, in any media now known or later developed, without further compensation, notice, or approval. Company will not materially alter the meaning of any statement you make.

17.3 Withdrawing a Testimonial. You may ask Company to stop future use of a specific testimonial by emailing reachtimchao@gmail.com. Company will use reasonable efforts to honor the request within thirty (30) days but is not obligated to recall or remove materials already published.

17.4 Truthfulness. Any testimonial or result you provide must be truthful and based on your actual experience. You agree to tell Company promptly if any result you have shared materially changes.

17.5 Consent to Recording of Calls. Live calls, coaching calls, and sales, enrollment, onboarding, and support calls may be recorded and transcribed, including by AI note takers. Company will tell you when a call is recorded. By joining or staying on a call after being told it is recorded, you consent to the recording and transcription, as required by Florida law and the law of every other state that requires all parties' consent. Recordings and transcripts may be shared inside the Program, used to train Company's team and for quality assurance, and kept as records under Section 1.3, including as evidence in any Dispute or proceeding. If you do not consent, leave the call.

18. Communications; Email and Text Messages

18.1 Transactional Messages. By purchasing or registering, you agree to receive transactional communications (receipts, access instructions, signing links, schedule changes, policy updates, payment reminders, notices of default, and account notices) by email, Discord, and, if you provide a mobile number, by text message. These are part of the Services. You may opt out of text messages at any time by replying STOP, and transactional messages will then reach you by email.

18.2 Marketing Text Messages. Company sends recurring marketing text messages only if you have separately agreed to receive them, for example by checking an optional box in your Enrollment Agreement or at registration. Those messages may be sent using automated technology. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help.

18.3 Marketing Email. Where you have given consent or the law allows, Company may send marketing email about its programs, events, and offers. You may unsubscribe through the link in any marketing email.

18.4 Electronic Notices. You consent to receive all notices, disclosures, and agreements electronically. It is your responsibility to keep a working email address on file and to check it. Notice is given when sent to the email address on your account.

19. Disclaimers of Warranties

19.1 TO THE FULLEST EXTENT PERMITTED BY LAW, THE PROGRAM, MATERIALS, AND SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. COMPANY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE.

19.2 COMPANY DOES NOT WARRANT THAT THE PROGRAM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, THAT ACCESS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE MATERIALS ARE FREE OF VIRUSES OR HARMFUL COMPONENTS, OR THAT ANY INFORMATION, STRATEGY, SCRIPT, TEMPLATE, OR AI OUTPUT IS ACCURATE, CURRENT, LAWFUL IN YOUR JURISDICTION, OR SUITABLE FOR YOUR BUSINESS.

19.3 NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM COMPANY, ITS PERSONNEL, GUESTS, OR THROUGH THE PROGRAM, CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS. ANY STATEMENTS MADE IN WEBINARS, SALES CALLS, MARKETING, OR COMMUNITIES ARE NOT WARRANTIES AND ARE SUPERSEDED BY THE TERMS.

19.4 Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the above exclusions apply to the fullest extent permitted and any non-excludable warranty is limited in duration to thirty (30) days from the Purchase Date.

20. Limitation of Liability

20.1 EXCLUSION OF CERTAIN DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY, ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, INSTRUCTORS, GUESTS, AGENTS, AFFILIATES, LICENSORS, OR SUPPLIERS (THE "COMPANY PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, CLIENTS, GOODWILL, DATA, OR OPPORTUNITY, OR FOR BUSINESS INTERRUPTION OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE TERMS OR THE PROGRAM, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

20.2 CAP ON LIABILITY. TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE TERMS OR THE PROGRAM SHALL NOT EXCEED THE TOTAL AMOUNT YOU ACTUALLY PAID TO COMPANY FOR THE PROGRAM IN THE TWELVE (12) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS ($100), WHICHEVER IS GREATER.

20.3 BASIS OF THE BARGAIN. YOU ACKNOWLEDGE THAT THE PRICE OF THE PROGRAM REFLECTS THE ALLOCATION OF RISK IN THIS SECTION AND SECTION 19, AND THAT COMPANY WOULD NOT OFFER THE PROGRAM ON THESE TERMS WITHOUT THESE LIMITATIONS.

20.4 YOUR BUSINESS DECISIONS. WITHOUT LIMITING THE FOREGOING, THE COMPANY PARTIES SHALL HAVE NO LIABILITY FOR ANY DECISION YOU MAKE OR ACTION YOU TAKE IN RELIANCE ON THE PROGRAM, INCLUDING ANY INVESTMENT IN YOUR BUSINESS, ANY CONTRACT WITH A CLIENT, ANY USE OR DEPLOYMENT OF AI TOOLS, ANY MARKETING OR OUTREACH ACTIVITY, OR ANY REGULATORY OR LEGAL CONSEQUENCE OF THEM.

20.5 Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, the Company Parties' liability is limited to the fullest extent permitted by law.

21. Indemnification

You agree to defend, indemnify, and hold harmless the Company Parties from and against all claims, demands, actions, damages, losses, liabilities, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to: (a) your breach of the Terms, an Enrollment Agreement, or applicable law; (b) Your Content; (c) your business activities, including your sales, marketing, outreach, contracts, and products or services you sell or deliver to anyone, and your use or deployment of AI tools; (d) any claim by your clients, prospects, employees, contractors, or partners; (e) your violation of anyone's rights, including intellectual property, privacy, publicity, telemarketing, or anti-spam rights; (f) your negligence or willful misconduct; or (g) any Dispute you file in violation of Section 10. Company may assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with Company's defense. You may not settle any claim without Company's prior written consent.

22. Suspension and Termination

22.1 Termination by Company. Company may suspend or terminate your account and access to all or part of the Program immediately, with or without notice, if: (a) you breach the Terms, an Enrollment Agreement, or the community rules; (b) an installment is late (Section 9.7) or a Dispute is filed; (c) Company reasonably suspects fraud, unauthorized sharing, harassment, or unlawful conduct; (d) Company is required to do so by law or by a Third-Party Platform; (e) Company learns you are under 18 (Section 2.1); or (f) Company discontinues the Program, in which case Company will give reasonable notice and, where feasible, an opportunity to download permitted Materials, but no refund is owed except as required by non-waivable law. Termination for cause gives no right to a refund, and all unpaid amounts remain due.

22.2 Stopping on Your Own. You may stop using the Program at any time. Stopping does not end your payment obligations or entitle you to a refund. The Cancellation Policy at https://timchao.ai/cancellation-policy explains what you can and cannot cancel.

22.3 Effect of Termination. When your access ends, your license ends, you must stop all use of the Materials and destroy any copies you have, and all amounts owed become due.

22.4 Survival. Sections 1.2, 1.3, 7 through 13, 14.4, 14.5, 15 through 17, and 19 through 29 survive the end of your access and any termination.

23. Release

To the fullest extent permitted by law, you release the Company Parties from all claims, demands, and damages of every kind, known or unknown, arising out of or relating to your business results, your interactions with other students, guests, or third parties you meet through the Program, and your reliance on any Material or statement. If you are a California resident, you waive California Civil Code § 1542, which provides: "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."

24. Informal Dispute Resolution

24.1 Notice of Dispute. Before starting arbitration or any court case, the party with a claim must send the other a written Notice of Dispute describing the claim, the facts, and the specific relief sought. Notices to Company go to reachtimchao@gmail.com and by mail to 7901 4th Street N Ste 300, St Petersburg, FL 33702, Attn: Legal. Notices to you go to the email address on your account.

24.2 Good-Faith Negotiation. The parties will negotiate in good faith, personally and individually (including at least one telephone or video call between you and a Company representative, if either asks), for at least sixty (60) days after the Notice is received. Any statute of limitations is paused during this period. Completing this process is a condition of starting arbitration or a lawsuit, except as Section 25.8 allows. This Section does not replace the shorter contact-first step for payment disputes in Section 10.1.

25. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.

25.1 Scope. This Section applies to any dispute, claim, or controversy between you and any Company Party arising out of or relating in any way to the Terms, an Enrollment Agreement, the Program, any purchase or payment, any marketing or webinar, any communication (including calls, emails, and text messages), or the relationship between the parties, whether based on contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before, on, or after the Effective Date (each, a "Claim").

25.2 Agreement to Arbitrate. If a Claim is not resolved under Section 24, you and Company agree that it will be resolved only by final and binding arbitration on an individual basis, not in court, except as Sections 25.7 and 25.8 provide. This agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and evidences a transaction involving interstate commerce.

25.3 Arbitration Procedure. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or, if the AAA determines they do not apply, its Commercial Arbitration Rules) then in effect, as modified by this Section, before a single neutral arbitrator. The seat of the arbitration is Miami-Dade County, Florida. Any in-person hearing will take place in Miami-Dade County, Florida, unless you choose to appear by video conference. Claims under $25,000 will be decided on the papers unless the arbitrator decides a hearing is needed. The arbitrator (not any court) decides all disputes about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court decides any dispute about the enforceability or scope of Section 25.4. The arbitrator applies the law in Section 26, follows the Terms as a court would, may award only individual relief, and issues a reasoned written award. Judgment on the award may be entered in any court with jurisdiction.

25.4 Class Action and Collective Relief Waiver. YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's Claims or preside over any class or representative proceeding, and may not award relief to or against anyone other than the individual parties. If this Section 25.4 is found unenforceable as to a particular Claim or request for relief, then that Claim or request (and only that one) will be severed and decided in court under Section 26, and all other Claims will be arbitrated.

25.5 Jury Trial Waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND COMPANY EACH KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVE ANY RIGHT TO A TRIAL BY JURY.

25.6 Fees. AAA filing, administrative, and arbitrator fees are governed by the AAA rules. If you start arbitration in good faith for a Claim of less than $10,000, Company will reimburse your filing fee on request. Each party bears its own attorneys' fees and costs, except where a statute or the Terms (including Sections 9.11 and 15.4) provide otherwise, or where the arbitrator finds a Claim or defense frivolous or brought for an improper purpose.

25.7 Small Claims. Either party may bring an individual Claim in small claims court instead of arbitration, if the Claim qualifies, stays in that court, and proceeds only on an individual basis.

25.8 Court Orders to Protect the Program. Company may ask any court with jurisdiction for a temporary, preliminary, or permanent injunction or other equitable relief to protect its intellectual property, its confidential information, or the security of the Program (including to stop sharing under Section 15.4), without first completing Section 24.

25.9 Mass Arbitration. If twenty-five (25) or more similar demands for arbitration are filed against Company by or with the help of the same or coordinated counsel within ninety (90) days: (a) the demands will be batched in groups of twenty-five (25); (b) the AAA will administer each batch as a single consolidated arbitration with one arbitrator, one set of filing and administrative fees, and one hearing; (c) the parties will cooperate in good faith to select bellwether batches; and (d) any statute of limitations is paused for demands awaiting the initial batches. This Section is essential to the parties' agreement and is not severable.

25.10 Thirty-Day Right to Opt Out. You may opt out of this arbitration agreement (Sections 25.2, 25.3, 25.6, and 25.9) by emailing reachtimchao@gmail.com with the subject "Arbitration Opt Out" within thirty (30) days after you sign an Enrollment Agreement or first accept the Terms, whichever is earlier, giving your full name and the email address on your account. Opting out does not affect any other part of the Terms, including the Class Action Waiver to the extent enforceable in court, the Jury Trial Waiver, and Section 26.

25.11 Limitations Period. To the fullest extent permitted by law, any Claim must be filed within one (1) year after it arose, or it is permanently barred.

25.12 Changes to This Section. If Company changes this Section after you accept the Terms, you may reject the change by emailing reachtimchao@gmail.com within thirty (30) days of the change, and the version of this Section you last accepted will continue to govern.

26. Governing Law and Venue

The Terms, any Enrollment Agreement, and any Claim are governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-laws principles, except that Section 25 is governed by the Federal Arbitration Act. Subject to Section 25, any court case will be brought only in the state or federal courts located in Miami-Dade County, Florida, and you consent to personal jurisdiction and venue in those courts and waive any objection based on inconvenient forum. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

27. Consumer Rights Notices

27.1 Non-Waivable Rights. Nothing in the Terms excludes, restricts, or modifies any right or remedy that cannot lawfully be excluded, restricted, or modified under the law that applies to you. Where any provision would be unenforceable against you under mandatory law, it applies to you only to the extent permitted, and the rest of the Terms continues in effect.

27.2 Honest Reviews. Nothing in the Terms prohibits you from posting or sharing your honest, good-faith assessment of the Program, or from communicating with regulators, law enforcement, or your card issuer where you are legally entitled to do so. We ask only that any review be truthful and not disclose Materials or other students' confidential information.

27.3 California Residents. Under California Civil Code § 1789.3, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210. You may contact Company at reachtimchao@gmail.com or 7901 4th Street N Ste 300, St Petersburg, FL 33702.

27.4 Students Outside the United States. If you are located outside the United States, you may have mandatory consumer rights under your local law. To the extent those rights apply to you and cannot be waived (including any right of withdrawal you have not validly waived under Section 8.6, or any statutory guarantee under the Australian Consumer Law), the Terms will be read to comply with them, and Sections 19 and 20 apply only to the extent permitted.

28. Changes to These Terms

Company may change the Terms by posting the updated version with a new effective date. Material changes will be announced by email or in the Program. Changes take effect when posted unless the new version says otherwise, and your continued use of the Program after that is acceptance. A change does not alter the price, payment schedule, Access Period, or any term written into an Enrollment Agreement you already signed. If you do not agree to a change, your only remedy is to stop using the Program; no refund is owed. Changes to Section 25 are subject to Section 25.12. Earlier versions stay published, so you can always read the version you agreed to; the version before this one is at https://timchao.ai/terms-of-service/2026-09-07.

29. General Provisions

29.1 Entire Agreement; No Reliance. The Terms, your Enrollment Agreement (if any), and the checkout disclosures for your purchase are the entire agreement between you and Company about the Program. They supersede all prior or contemporaneous communications, proposals, representations, and agreements, whether oral or written, including statements made in webinars, sales calls, onboarding calls, advertisements, social media, or messages. You confirm that you have not relied on any statement, promise, or representation that is not written in those documents.

29.2 Severability. Except as Sections 25.4 and 25.9 provide, if any provision of the Terms is held invalid or unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions stay in full force and effect.

29.3 No Waiver. Company's failure to enforce any provision is not a waiver of its right to do so later. Any waiver must be in writing and signed by an authorized officer of Company.

29.4 Assignment. You may not assign or transfer the Terms or your enrollment, by operation of law or otherwise, without Company's prior written consent. Company may assign the Terms freely, including to an affiliate or successor.

29.5 Force Majeure. Company is not liable for any failure or delay caused by circumstances beyond its reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, civil unrest, labor disputes, governmental action, utility or internet failures, Third-Party Platform outages or account actions, or the acts or omissions of third parties.

29.6 Relationship of the Parties. You and Company are independent contracting parties. Nothing in the Terms creates a partnership, joint venture, franchise, agency, fiduciary, or employment relationship.

29.7 No Third-Party Beneficiaries. Except for the Company Parties, who are intended beneficiaries of Sections 19 through 25, there are no third-party beneficiaries of the Terms.

29.8 Notices. Legal notices to Company must be sent to reachtimchao@gmail.com with a copy by mail to 7901 4th Street N Ste 300, St Petersburg, FL 33702, Attn: Legal. Notices to you may be sent to the email address on your account.

29.9 Interpretation. Headings are for convenience only. "Including" means "including without limitation." No rule of construction against the drafter applies. If the Terms are translated, the English version controls.

29.10 Export Compliance. You agree to comply with all applicable export and sanctions laws and not to export, re-export, or provide access to the Materials in violation of them.

30. Contact

Remote Sales Training TC Inc. d/b/a AI Frontrunners, 7901 4th Street N Ste 300, St Petersburg, FL 33702. Support and legal notices: reachtimchao@gmail.com. Website: https://timchao.ai.

BY CLICKING "I AGREE," SIGNING AN ENROLLMENT AGREEMENT, COMPLETING A PURCHASE, OR ACCESSING THE PROGRAM, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS OF SERVICE, THE PRIVACY POLICY, THE REFUND POLICY, AND THE CANCELLATION POLICY; THAT YOU HAVE HAD THE OPPORTUNITY TO CONSULT LEGAL COUNSEL; THAT YOU UNDERSTAND ALL SALES ARE FINAL; THAT NO RESULTS ARE GUARANTEED; AND THAT YOU AGREE TO RESOLVE DISPUTES THROUGH INDIVIDUAL BINDING ARBITRATION UNLESS YOU OPT OUT UNDER SECTION 25.10.