GENERAL TERMS AND CONDITIONS OF SERVICE

1.1. Execution and Binding Nature:

This document (the "General Terms" or the "Agreement") constitutes a principal, entire and legally binding contract. By clicking "I Accept", checking a consent checkbox, registering a User Account, or by accessing or using the Platform in any way (as defined in Section 1.2), you ("User", "Specialist" or "Subscriber") declare your express, unequivocal and irrevocable consent to be bound by all provisions herein. This electronic consent has full legal effect, validity and enforceability under the U.S. Uniform Electronic Transactions Act (UETA), the U.S. E-SIGN Act, Law 527 of 1999 of the Republic of Colombia, and applicable international treaties. If you do not agree with these General Terms in full, you must immediately refrain from accessing or using the Platform.

1.2. Exhaustive Definition of the Platform:

For the purposes of this Agreement, "Platform" means collectively and separately: (i) the website www.thefellowshipacademy.com and all subdomains; (ii) native and web applications (including iOS, iPadOS and Android); (iii) real-time streaming and low-latency transmission infrastructure; (iv) Video on Demand (VOD) libraries and multimedia files; (v) associated APIs; and (vi) any future updates, improvements, security patches or new functionality.

1.3. Contracting Parties and Corporate Separation:

This Agreement is entered into solely between the User and the following corporate entities, which operate as legally independent entities, with no joint liability, agency or single business group for third-party liability: The Operator (Fellowship Academy S.A.S., Colombia) as exclusive commercial licensee; and The Intellectual Property Owner (The Fellowship Group Corp., Delaware) as sole owner of all IP. The User acknowledges that The Fellowship Group Corp. does not provide direct operational services and expressly waives any commercial, operational or medical negligence claims against it.

1.4. Legal Capacity:

By accepting this Agreement, the User represents and warrants under penalty of perjury that they are of legal age (at least 18) in their jurisdiction and have full legal capacity to be bound by this contract.

2.1. Strictly Educational Nature and Limitation of Standard of Care (Lex Artis):

You irrevocably acknowledge that surgical techniques, procedures, pharmacological doses and clinical opinions transmitted live or archived in the VOD library reflect only the individual judgment and experience of the presenting physician under highly specific conditions. The Platform does not establish, approve or dictate a standard of care. The Operator and IP Owner act merely as a passive technological conduit and do not endorse, certify or audit the validity, safety or efficacy of any procedure transmitted.

2.2. Unilateral and Absolute Assumption of Clinical Risk:

Medicine and surgery are inexact and evolving sciences. As a licensed healthcare professional you are subject to the legal and ethical standards of your jurisdiction. You assume exclusive, total and non-transferable responsibility for evaluating the relevance, suitability and risk of applying any knowledge or information acquired through the Platform in your clinical practice, entirely at your own risk.

2.3. No Physician-Patient Relationship or Clinical Privilege:

Access, viewing or interaction on the Platform (including live chats, Q&A and clinical case discussions) does not create a physician-patient relationship, consultative relationship or clinical privilege between the Operator, IP Owner, presenting physicians, and you or your patients.

2.4. Exclusion of Regulatory Approval and Off-Label Use:

You are fully aware that transmissions may discuss or demonstrate use of medical devices, surgical instruments or pharmaceuticals that are unapproved, lack marketing authorization (e.g. FDA, EMA, INVIMA), or are used off-label. The Platform does not promote off-label use. You must consult official prescribing information and regulatory guidelines in your country before using any product or device.

2.5. Total Exoneration and Waiver of Malpractice Claims:

To the maximum extent permitted by applicable law, you expressly, voluntarily and irrevocably waive any claim, suit or legal action (contractual, tort, strict liability, negligence or malpractice) against Fellowship Academy S.A.S., The Fellowship Group Corp., and their directors, shareholders, employees or technology providers, including for personal injury, complications, adverse outcomes or death arising from the viewing, interpretation or application of information on the Platform.

3.1. Closed Ecosystem and Suspensive Condition:

The Platform operates as a closed, restricted-access ("Walled Garden") ecosystem for qualified professionals and enrolled students in healthcare. Access is a contractual privilege subject to ongoing identity and professional verification.

3.2. Identity and Credential Verification ("KYC Medical"):

To register and maintain an Account, the User agrees to rigorous verification operated through NOVACODIFY S.A.S. and authorized subprocessors. The Operator does not guarantee specific processing times and is not liable for delays, false rejections or technical failures of verification providers.

3.3. Sworn Statement of Truthfulness and Continuing Obligation:

By uploading documentation (ID, proof of enrollment, diplomas, medical licenses, professional certifications), the User represents under penalty of perjury that the information is authentic and accurate. If the User's license or academic status is suspended, revoked or altered, the User must notify the Operator in writing within forty-eight (48) hours. Failure constitutes a Material Breach.

3.4. Zero Tolerance for Fraud and Contractual Consequences:

Discovery of falsified credentials, identity usurpation or concealment of license loss will result in: permanent Account termination; retention of any remaining balance as liquidated damages; and reporting to criminal and professional authorities.

3.5. Absolute Right of Admission:

The Operator reserves the unilateral, absolute and discretionary right to admit, reject or revoke access to any applicant or User at any time, with or without cause, without any right to compensation.

3.6. Export Controls and OFAC Compliance:

The Platform is subject to U.S. export and sanctions laws (OFAC). The User represents that they are not located in, resident of or citizen of an embargoed country or territory, and are not on any U.S. prohibited or restricted list. Access from an embargoed jurisdiction will result in immediate Account termination without refund.

4.1. Nature of Subscription, Continuing Mandate and Auto-Renewal:

The Platform's premium services are offered under a recurring subscription model. By registering a valid payment method (credit card, debit or digital wallet), you grant the Operator (or its designated payment processors) an express, continuing and irrevocable mandate to automatically charge the applicable subscription fee at the start of each billing cycle (monthly, annual or other period selected by you). This recurring charge will be executed without additional authorization for each cycle until you cancel your subscription in accordance with Section 4.6.

4.2. Third-Party Payment Gateways and PCI-DSS Compliance:

The Operator does not store, process or transmit raw card data (PAN, CVV). All financial transactions are handled by third-party payment gateways certified under the Payment Card Industry Data Security Standard (PCI-DSS) or through app stores (Apple App Store, Google Play Store). The User acknowledges that payments are subject to the separate terms, conditions and privacy policies of such processors, and the Operator is not liable for failures, security breaches, transaction declines or errors attributable to these providers.

4.3. Strict No-Refund Policy and Waiver of Right of Withdrawal:

Except where mandatory law in your jurisdiction provides otherwise, ALL SALES, CHARGES AND FEES ARE FINAL AND NON-REFUNDABLE. Due to the digital nature of the content (streaming and VOD), which is consumed upon payment, the User acknowledges that performance of the service begins immediately when payment is processed and access is granted. Accordingly, the right of withdrawal or cooling-off period does not apply to these transactions. Cancelling an active subscription will only prevent future charges and will not give rise to refunds, prorated credits or returns for unused time in the current billing cycle.

4.4. Unilateral Fee Modifications:

The Operator reserves the absolute right to modify, adjust or restructure subscription fees and introduce new charges at any time. Any fee increase will be notified at least thirty (30) calendar days in advance to the email address on your Account. If you do not cancel your subscription before the new fee takes effect, you will be deemed to have accepted the new commercial terms and the new amount will be charged in your next billing cycle.

4.5. Taxes, Withholdings and Bank Charges:

All published fees exclude applicable taxes. You are solely responsible for paying all sales tax, VAT, duties, withholdings or other government levies associated with your purchase according to your billing jurisdiction. The Operator is not responsible for currency conversion fees, overdraft charges or international fees applied by your bank or card issuer.

4.6. Cancellation, Non-Payment and Chargeback Procedures:

Cancellation: To avoid the next cycle charge, you must cancel your subscription at least twenty-four (24) hours before the automatic renewal date using only the mechanisms in your Account portal or your respective App Store subscription management. Non-Payment: If a charge is declined due to insufficient funds, expired card or other reason, the Operator reserves the right to suspend your access to the Platform immediately until the debt is paid. Friendly Fraud / Chargebacks: If you initiate a chargeback or unjustified payment reversal through your bank after having consumed or had access to the service, the Operator will treat this as a material breach and fraud. Your Account will be permanently terminated, you will be blocked from future registration, and the Operator reserves the right to use collection agencies and legal action to recover amounts owed, including attorneys' fees and collection costs.

5.1. Absolute Ownership and Reservation of Rights:

The User acknowledges that the Platform in its entirety, including but not limited to source and object code, software architecture, databases, UI/UX, trade dress, logos, trademarks, algorithms, know-how, trade secrets and all audiovisual content (live streams, VOD libraries, text, graphics and interactive materials) (collectively, "Intellectual Property"), is the sole and exclusive property of The Fellowship Group Corp. (Delaware) and/or its licensors, protected by U.S. federal law, Colombian law and international copyright treaties. No provision of these Terms transfers any right, title or interest in the Platform to the User. All rights not expressly granted are strictly reserved.

5.2. Limited, Personal and Conditional Access License:

Subject to strict and continuing compliance with these Terms and timely payment of applicable fees, the Operator grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable-at-will license to access and view Platform content. Strictly Personal Use: This license is solely for your personal medical education. Public exhibition, projection, commercial use or transmission of content in auditoriums, classrooms, hospitals, clinics or other group settings is strictly prohibited unless a separate written Institutional License Agreement has been executed with the Operator.

5.3. Strict Prohibitions Against Piracy, DRM Circumvention and Reverse Engineering:

The User is strictly prohibited, directly or through third parties, from: recording (screen recording), capturing (screenshots), downloading, copying, reproducing, reselling, distributing, retransmitting or creating derivative works of any Platform content; modifying, decompiling, disassembling or reverse engineering the App or website source code; circumventing or interfering with any security, encryption, watermarking or DRM; using spiders, crawlers, bots, automated scripts or data scraping tools to extract data, videos or user information; or using Platform content to train, calibrate or feed AI, machine learning or third-party algorithms without the IP Owner's express written consent. Violation constitutes a material breach and may amount to federal/national copyright and cybercrime offenses.

5.4. Feedback Assignment:

Any comment, idea, suggestion, improvement or feedback ("Feedback") you provide to the Operator or IP Owner will be deemed non-confidential and non-proprietary. By submitting Feedback, you irrevocably assign to The Fellowship Group Corp. all rights, title and interest therein, worldwide, free of charge and in perpetuity, with no obligation of compensation, attribution or notice.

5.5. Irreparable Harm and Injunctive Relief:

The User acknowledges that any breach or threatened breach of Section 5 will cause irreparable harm to The Fellowship Group Corp. that cannot be adequately compensated by money damages. The IP Owner and Operator shall have the absolute right to seek immediate injunctive or other equitable relief in any competent court without bond or proof of special damages, without prejudice to other remedies including punitive damages and attorneys' fees.

5.6. Strict Custody of Credentials and Waiver of Third-Party Defenses:

The User acknowledges that the Account is strictly personal and non-transferable and assumes absolute responsibility for maintaining the confidentiality of login credentials. Presumption of Authorship: Any activity, access, download or content leakage under the User's credentials will be presumed (juris et de jure) to have been performed by the User. The User expressly waives the defense of "hacked account," "stolen credentials" or "unauthorized use by third parties" to avoid civil, criminal or economic liability unless the User can prove in writing that they notified the Operator of the security breach and filed a formal criminal complaint with competent cybercrime authorities before the content extraction or leakage occurred.

5.7. Liquidated Damages, Statutory Damages and Economic Consequences for Leakage:

Due to the highly sensitive nature of medical transmissions (involving proprietary techniques and PHI), the Parties agree that harm from unauthorized recording, distribution or leakage ("Piracy") of Platform Content is difficult or impossible to quantify. If the User breaches Section 5.3, the User agrees to cumulative consequences: (1) Statutory Copyright Damages: Unauthorized extraction of videos constitutes Willful Infringement. The IP Owner may claim and the User shall pay statutory damages of up to One Hundred Fifty Thousand US Dollars ($150,000 USD) per work/video/transmission under the U.S. Copyright Act or equivalent. (2) Additional Liquidated Damages: Not less than Fifty Thousand US Dollars ($50,000 USD) per incident (not as a penalty). (3) Third-Party Privacy Indemnity: If leaked material leads to patient or institutional claims for privacy violations, the User shall fully indemnify and hold harmless the Operator and IP Owner.

6.1. Platform Interaction and User-Generated Content (UGC):

The Platform may offer interactive features such as live chats during streams, discussion forums, Q&A panels and direct messaging ("Interactive Areas"). Any text, comment, image, link or material you submit or transmit through these areas is User-Generated Content ("UGC"). UGC License: By posting UGC, you grant the Operator and IP Owner a worldwide, perpetual, irrevocable, royalty-free, sublicensable license to use, moderate, reproduce, translate and display such content in connection with the Platform. UGC Disclaimer: The Operator acts solely as an Interactive Computer Service Provider (e.g. under Section 230 of the U.S. Communications Decency Act) and does not endorse, control or assume editorial or legal responsibility for opinions, clinical advice or statements posted by Users.

6.2. Strict Medical Privacy Compliance (HIPAA / GDPR / Local Laws):

The User acknowledges that the Platform is for general academic discussion and is NOT a repository of clinical records. It is strictly prohibited to post, transmit or request through the Interactive Areas any Protected Health Information (PHI), sensitive personal data or information that could directly or indirectly identify a living or deceased patient. Mandatory De-identification Standard: If a User wishes to discuss a clinical case for educational purposes, they must apply the Safe Harbor de-identification standard (e.g. HIPAA's 18 identifiers) before posting. Any PHI leakage by a User is a material breach and regulatory offense; the User assumes full civil, criminal and administrative liability and shall indemnify the Operator for any fines imposed by health or data protection authorities.

6.3. Apple App Store Compliance and Zero Tolerance Policy:

To ensure a safe, professional and non-toxic academic environment, and in strict compliance with Apple App Store Review Guidelines and Google policies, the Operator applies a Zero Tolerance Policy. It is strictly prohibited to post UGC or engage in conduct that: (1) is defamatory, obscene, pornographic, pedophilic, or incites hatred, violence, discrimination or terrorism; (2) constitutes cyberbullying, intimidation, personal attacks on presenting physicians or other Users, or unprofessional behavior; (3) promotes miracle cures, medical charlatanism, intentionally misleading clinical information or illegal practices.

6.4. Moderation, Blocking and Unappealable Termination:

Report and Block: The App includes native, easily accessible functions to Block abusive users and Flag objectionable content. Response Times (SLA): The Operator will investigate UGC violation reports within twenty-four (24) hours and remove any content that infringes these Terms. The Operator reserves the absolute, unilateral and unappealable right to temporarily suspend, shadowban or permanently terminate the Account of any User who violates this Zero Tolerance Policy, without prior notice, without right to hearing or appeal, and without any refund (retaining such amounts as liquidated damages per Section 3.4).

7.1. Service Provided "As-Is" and "As-Available":

You expressly acknowledge that use of the Platform is at your own risk. The Platform, including all software, features and audiovisual content, is provided strictly "AS-IS" and "AS-AVAILABLE." To the maximum extent permitted by law, the Operator and IP Owner disclaim all express, implied or statutory warranties, including merchantability, fitness for a particular purpose, satisfactory quality, non-infringement and uninterrupted operation.

7.2. Dependence on Third-Party Infrastructure and Exclusion of Joint Liability:

The Platform's technology ecosystem runs on mission-critical cloud infrastructure, real-time streaming engines and CDNs operated by enterprise-grade third-party providers. The User acknowledges that the Operator has no control over global telecommunications networks or these third parties' physical servers. The Operator and IP Owner assume no legal or financial responsibility for service outages, extreme latency, packet loss, data corruption or inability to access a live stream attributable to failures, maintenance or security breaches of such providers, ISPs or other subprocessors.

7.3. No SLA and Maintenance Windows:

The Operator does not guarantee, expressly or implicitly, that the Platform will be error-free, bug-free or operate without interruption ("100% Uptime"). The Operator reserves the absolute right to suspend, limit or temporarily disable access to the Platform (or any of its features) for preventive or corrective maintenance, security updates or emergency patches, at any time and without prior notice, without constituting a breach of this Agreement or giving rise to refund, prorated credit or any compensation.

7.4. User's Technological Responsibility (Hardware and Connectivity):

Quality of live stream and VOD viewing depends solely on the User's bandwidth, router and hardware. The User is solely responsible for obtaining and maintaining the mobile devices, computers, software and high-speed internet connections required to access the Platform. The Operator is not responsible if the User cannot view a live surgery due to hospital firewall restrictions, unstable Wi-Fi or outdated devices that do not meet minimum system requirements.

7.5. Technological Force Majeure:

Neither the Operator nor the IP Owner shall be deemed in breach of these Terms or liable for any delay or failure in performance resulting directly or indirectly from events beyond their commercially reasonable control ("Force Majeure"), including DDoS attacks, ransomware, catastrophic internet backbone failures, strikes, natural disasters, pandemics, acts of war or sudden government regulations prohibiting or restricting data flow.

8.1. EXCLUSION OF INDIRECT AND CONSEQUENTIAL DAMAGES:

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE MANDATORY LAW, YOU EXPRESSLY ACKNOWLEDGE THAT UNDER NO CIRCUMSTANCES, LEGAL THEORY OR DOCTRINE (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, BREACH OF WARRANTY OR OTHERWISE) SHALL THE OPERATOR (FELLOWSHIP ACADEMY S.A.S.), THE IP OWNER (THE FELLOWSHIP GROUP CORP.), THEIR PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR TECHNOLOGY PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR: (I) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES; (II) LOSS OF PROFITS, LOST REVENUE OR LOST BUSINESS OPPORTUNITY; (III) LOSS OF DATA, BUSINESS INTERRUPTION OR DAMAGE TO COMPUTER SYSTEMS; (IV) DAMAGE TO PROFESSIONAL REPUTATION, REVOCATION OF MEDICAL LICENSES OR MALPRACTICE LITIGATION; OR (V) COST OF SUBSTITUTE GOODS OR SERVICES; ARISING FROM OR RELATED TO YOUR ACCESS, USE OR INABILITY TO USE THE PLATFORM, EVEN IF ANY OF THE FOREGOING HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8.2. LIABILITY CAP:

EXCEPT IN CASES OF WILLFUL MISCONDUCT, GROSS NEGLIGENCE OR WHERE MANDATORY CONSUMER PROTECTION LAW EXPRESSLY PROHIBITS IT, YOU AGREE THAT THE TOTAL, AGGREGATE LIABILITY OF THE OPERATOR (FELLOWSHIP ACADEMY S.A.S.) TO YOU FOR ANY AND ALL CLAIMS, DAMAGES OR LOSSES ARISING FROM THIS AGREEMENT OR USE OF THE PLATFORM SHALL BE STRICTLY LIMITED TO THE LESSER OF: (A) THE TOTAL AMOUNT YOU ACTUALLY PAID TO THE OPERATOR FOR SUBSCRIPTIONS IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE FIRST CLAIM; OR (B) ONE HUNDRED US DOLLARS ($100.00 USD) IF YOU HAVE MADE NO PAYMENT FOR THE PLATFORM.

8.3. ABSOLUTE IMMUNITY OF THE INTELLECTUAL PROPERTY OWNER:

YOU ACKNOWLEDGE THAT The Fellowship Group Corp. (DELAWARE) ACTS SOLELY AS LICENSOR OF THE TECHNOLOGY TO THE OPERATOR AND HAS NO DIRECT COMMERCIAL OR CONSUMER RELATIONSHIP WITH YOU. ACCORDINGLY, YOU IRREVOCABLY WAIVE ANY FINANCIAL CLAIM OR DAMAGES ACTION AGAINST The Fellowship Group Corp., AND ITS LIABILITY TO YOU IS STRICTLY ZERO ($0.00).

8.4. FAILURE OF ESSENTIAL PURPOSE:

THE LIMITATIONS, EXCLUSIONS AND CAPS IN THIS SECTION 8 REFLECT A FUNDAMENTAL ALLOCATION OF RISK BETWEEN THE PARTIES WITHOUT WHICH THE PLATFORM COULD NOT BE OFFERED AT CURRENT RATES. YOU AGREE THAT THESE LIMITATIONS WILL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY IN THESE TERMS IS DETERMINED TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

9.1. Primary Indemnity Obligation:

To the maximum extent permitted by applicable law, the User agrees, unconditionally and irrevocably, to defend, indemnify and hold harmless the Operator (Fellowship Academy S.A.S.), the IP Owner (The Fellowship Group Corp.), and their respective parents, subsidiaries, affiliates, directors, officers, shareholders, employees, contractors, agents and technology providers ("Indemnified Parties") from and against any and all claims, demands, lawsuits, regulatory investigations, losses, damages, liabilities, obligations, fines, penalties, settlements, costs and expenses (including reasonable attorneys' fees, expert and forensic costs) arising from or related to: (i) your access, use or misuse of the Platform; (ii) clinical risk and malpractice (e.g. injury or death from application of knowledge gained on the Platform); (iii) your breach of these Terms (including credential falsification in KYC Medical); (iv) infringement of third-party rights (IP, copyright, trade secrets, privacy, publicity); (v) violation of laws or regulations, including PHI disclosure; (vi) claims arising from UGC you post or share in the Interactive Areas.

9.2. Exclusive Control of Defense:

The Indemnified Parties will notify the User in writing as soon as commercially reasonable of any claim subject to indemnification. The Operator and IP Owner reserve the absolute and exclusive right, at the User's expense, to assume the exclusive control of the defense and legal conduct of any matter subject to indemnification.

9.3. No Settlement Without Consent and Duty to Cooperate:

If the Operator assumes control of the defense, the User must cooperate fully and proactively with the Indemnified Parties. The User may not settle, compromise or enter into any settlement that admits fault, liability or imposes a financial or legal obligation on any Indemnified Party without the prior express written consent of the Operator's and IP Owner's authorized legal representatives.

10.0. Important notice:

READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT, YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION.

10.1. Governing Law and Strict Jurisdictional Separation:

The validity, interpretation and performance of this Agreement shall be governed exclusively as follows (excluding the UN Convention on International Sale of Goods): Disputes involving The Fellowship Group Corp. (including patents, copyright, trademarks, source code, trade secrets) shall be governed by the laws of the State of Delaware and U.S. federal law. Disputes of a commercial, operational, consumer, billing, data privacy or service nature against Fellowship Academy S.A.S. shall be governed exclusively by the laws of the Republic of Colombia.

10.2. Mandatory Informal Resolution (Cooling-Off Period):

Before commencing any formal proceeding, you and the Operator agree to attempt in good faith to resolve any dispute amicably. The claiming party must send a formal written notice to the other detailing the nature of the claim and the relief sought. The Parties shall have a mandatory thirty (30) calendar day period from receipt to negotiate. Neither Party may initiate arbitration or litigation until this period has expired.

10.3. Binding and Confidential Arbitration Agreement:

If the dispute is not resolved during the Informal Resolution period, the Parties agree to submit the controversy to binding, final and non-appealable arbitration. The arbitration shall be strictly confidential. Users resident in the U.S. or Canada: Arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules; one (1) arbitrator; seat in New Castle County, Delaware or virtual; language English. Users resident outside U.S./Canada: Arbitration administered by the Bogotá Chamber of Commerce Arbitration and Conciliation Centre (CCB), Colombia, under its rules; one (1) arbitrator; seat Bogotá, D.C. or virtual; language Spanish.

10.4. Critical Exceptions to Arbitration (Piracy Carve-outs):

Notwithstanding Section 10.3, the Operator and IP Owner retain the absolute and non-waivable right to go directly to any court of competent jurisdiction to seek: (1) immediate injunctive relief or other equitable remedies to prevent, stop or mitigate infringement, piracy, misappropriation or theft of their IP or trade secrets; (2) claims related to non-payment of commercial debts through enforcement proceedings; (3) Consumer Protection: If the law of your jurisdiction mandatorily and non-waivably requires it, you retain the right to go to competent consumer protection authorities for disputes strictly related to fitness, billing and commercial service, excluding medical malpractice or IP infringement claims.

10.5. CLASS ACTION AND JURY TRIAL WAIVER:

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND THE CORPORATE ENTITIES AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING SHALL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, REPRESENTATIVE OR CLASS ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF MORE THAN ONE PERSON. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, BOTH PARTIES EXPRESSLY, VOLUNTARILY AND IRREVOCABLY WAIVE ANY RIGHT TO A JURY TRIAL.

11.1. Right to Modify and Commercial Notice:

Given the dynamic nature of technology and evolving health regulatory frameworks, the Operator and IP Owner reserve the right, in their sole discretion, to modify, amend, add or remove parts of these General Terms at any time. Material Changes: If we make substantial or material changes that significantly affect your rights or financial obligations (e.g. pricing, limitation of liability or arbitration clause), we will notify you at least thirty (30) calendar days before they take effect by email to your Account, prominent notice in the App, or by requiring express click acceptance (clickwrap). Minor Changes: Administrative changes, typographical corrections or adjustments that do not materially affect your rights take effect immediately upon publication of the updated version on the website or App, with "Last updated" in the document header.

11.2. Acceptance by Continued Use and Exclusive Remedy:

Your continued access, login or use of the Platform, or payment of any subscription fee after the modified Terms take effect, constitutes your legal confirmation and acceptance of the new conditions. If you do not agree with the proposed modifications, your sole and exclusive remedy is to cancel your subscription, delete your Account and cease all use of the Platform before the new Terms take effect.

11.3. Non-Retroactivity of Modifications in Disputes:

To preserve fairness and validity of this Agreement, the Parties expressly agree that no modification, amendment or update to these Terms (including critically Section 10 on Dispute Resolution and Arbitration) shall apply retroactively to any dispute, claim or litigation of which the Operator or IP Owner received formal written notice before the publication date of such modification. Any dispute shall be governed strictly by the version of the Terms in effect at the time the facts giving rise to the claim occurred.

11.4. Document Retention:

It is your responsibility to review these Terms periodically. The Operator will maintain a digital record of prior versions of this document, which may be made available to the User or competent authorities if required for evidentiary purposes.

12.1. Entire Agreement:

These General Terms, together with our Privacy Policy, the End User License Agreement (EULA) and any other agreement expressly incorporated by reference, constitute the entire and exclusive agreement between you, the Operator and the IP Owner with respect to the Platform. This document supersedes and nullifies any prior or contemporaneous proposal, negotiation, representation, promise or agreement, oral or written, direct or indirect, between the Parties.

12.2. Severability and Survival:

If any court of competent jurisdiction or arbitral panel determines that any provision of these Terms is null, illegal, invalid or unenforceable, that provision shall be modified or limited to the minimum extent necessary to make it legal and enforceable, or severed if modification is not possible. The invalidity of one clause shall not affect the validity or enforceability of the remaining provisions. Provisions on Intellectual Property, Limitation of Liability, Indemnity and Arbitration shall survive termination of this Agreement.

12.3. No Waiver:

Failure or delay by the Operator or IP Owner in exercising any right, remedy, power or privilege under these Terms shall not operate as a waiver. Any waiver of a provision shall be valid only if express, in writing and signed by a duly authorized legal representative of the respective entity.

12.4. No Assignment:

The User is strictly prohibited from assigning, transferring, delegating or sublicensing this Agreement, the Account or any rights or obligations hereunder to any third party (including colleagues, residents or institutions), voluntarily or by operation of law. Any attempted assignment without authorization shall be void ab initio and constitute grounds for immediate termination. The Operator and IP Owner reserve the absolute right to assign or transfer this Agreement, in whole or in part, to any affiliate, subsidiary or third party in case of merger, acquisition, restructuring or sale of all or substantially all of their assets, without prior notice or User consent.

12.5. Controlling Language:

This Agreement was originally drafted in Spanish. If this document is translated into any other language for convenience, local compliance or arbitration (including AAA arbitration in the United States), the Parties agree that the Spanish version shall prevail and control in the event of any discrepancy, interpretation dispute or conflict of meaning between versions.

12.6. Strict Procedure for Legal Notices and Service of Process:

Any legal notice, claim, subpoena or dispute notice to The Fellowship Academy must be in writing and sent simultaneously by certified email (with proof of receipt) and by physical mail via a reputable international courier. Notices are deemed delivered and effective only upon confirmation of receipt at the following addresses:

A. For operational, commercial, consumer or data privacy disputes: Entity: Fellowship Academy S.A.S. Attention: Legal Department Legal email: legal@thefellowshipacademy.com

B. For disputes solely related to Intellectual Property, Source Code or Trade Secrets: Entity: The Fellowship Group Corp. Attention: Corporate Counsel Legal email: legal@thefellowshipacademy.com

Notices to the User: The Operator may give you legal notice by sending an email to the address registered on your Account or by means of a prominent notice on the Platform. Notices sent by email shall be deemed effectively received twenty-four (24) hours after sending, regardless of whether the User opens the email or not.