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EDUCATION AGREEMENT​

(hereinafter: the Agreement)

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1. SUBJECT OF THE AGREEMENT

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The company Enlightened Money LLC, registered in Delaware, USA (hereinafter: the "Company"), agrees to provide the client who signs this Agreement (hereinafter: the "Client"), with educational and informational services in the field of investments. These services will include general information, teachings, research, and guidelines regarding various investment options, including but not limited to ETFs, cryptocurrencies, gold, silver, stocks, real estate, art, diamonds and other financial and investment instruments and options.

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The Client acknowledges that these services are solely for educational and informational purposes and that the Company does not provide specific investment strategies, objectives, or personalized advice. The Client agrees to accept these services to make their own sovereign investment decisions, with the understanding that the Company does not provide official investment or financial advice in any way.

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The Company is not a financial advisor, stockbroker, or registered investment advisor. Therefore, the Company does not recommend specific stocks, funds, or any other financial instruments but solely provides education about market opportunities. If any stocks, funds, or other types of financial instruments are mentioned during events, webinars, or educational programs, they are mentioned purely for illustrative or educational purposes.

Before making any investment decisions as a Client, consult with an advisor who holds the appropriate license. The content of the Company's programs or products does not constitute financial, legal, or any other type of professional advice.

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2. DESCRIPTION OF SERVICES

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The Company may provide the following services to the Client:

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a) Information and education on various investment opportunities.

b) Guidelines and information on the selection of investment instruments (ETFs, cryptocurrencies, stocks, gold, silver, real estate, art, diamonds, etc.).

c) Assistance in understanding the general characteristics of various investment products, but without formulating specific investment strategies, providing personalized advice, or setting investment objectives.

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3. ASSISTANCE WITH THE ACCOUNT SETUP

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The Company may assist the Client in setting up accounts with various intermediaries, including but not limited to:

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• Stockbrokers

• Cryptocurrency Exchanges, Custodians and Wallet Providers

• Digital Wallet Service Providers

• Precious Metals Dealers

• Commodity Brokers

• Dealers in Precious Gemstones

• Real Estate Brokers

• Artwork Brokers

• Banks

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Company reserves the right to provide support and guidance to the Client in the process of opening accounts with suitable intermediaries, based on the Client’s interests. Such assistance is purely educational and informational in nature and does not constitute official financial or investment advice. The Client acknowledges that they are solely responsible for the selection and use of intermediaries, and the Company shall not be held liable for any outcomes or decisions related to these choices.

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4. EDUCATIONAL AND INFORMATIONAL ROLE OF THE COMPANY

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Company does not provide official investment advice or personalized financial guidance but offers teachings, general suggestions, research, and data that are meant for educational and informational purposes only. The client acknowledges that all investment decisions are made independently, even if based on the information, suggestions, research, and data provided by the Company. Company shall not be held liable for any financial losses or decrease in value resulting from the client’s sovereign investment decisions.

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The Client acknowledges that all investments carry inherent risks, and that any investment decisions made based on the information provided by the Company are done so at the Client’s sole discretion and risk. The Client assumes full responsibility for any actions, decisions, and consequences related to their investments, and Company disclaims any liability for any direct or indirect financial outcomes.

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5. FINANCIAL AGREEMENT

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a) Fee for Educational Investment Service:The client agrees to pay Company a fee for the educational investment service and related services concerning investments. Payment will be made to the Company’s designated bank account or will be made with debit / credit card (for certain services), or by another method agreed upon between the parties.

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b) Payment Terms:The fee for the educational investment service is due and payable in full before the service begins. The fees for the services provided are outlined in Company’s general pricing structure, which is available upon request or as part of the service proposal provided to the Client. The Client agrees to pay the fees as specified in the Company’s pricing structure, which is subject to change. If there is any change, it will be communicated to the Client prior to the commencement of services.

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6. RESPONSIBILITIES OF THE CLIENT

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a) Provision of Preferences:The Client agrees to provide the Company with the necessary information regarding their general investment preferences or areas of interest, to facilitate the provision of relevant education and information.

b) Decision Responsibility:The Client acknowledges that they are solely responsible for their investment decisions, which are made based on the education and information provided by the company.

c) Client Compliance Obligations:The Client agrees to provide the Company with requested compliance information, including but not limited to proof of identity, a recent photograph (selfie), and documentation on the source of funds. This is applicable, when Company considers such collection of compliance information necessary. This information will be used solely to ensure compliance with the Company’s internal policies and legal requirements. All data will be handled in accordance with the General Data Protection Regulation (GDPR) and applicable privacy laws.

d) Timely Communication:The client agrees to provide timely responses to any requests for information or clarification from the Company to ensure the smooth provision of services.

e) Accurate Information:The client warrants that all information provided to the Company is accurate, up-to-date, and truthful. The client agrees to promptly notify the Company of any changes to the provided information.

f) Non-Disclosure:The Client agrees not to disclose confidential information provided by the Company to third parties without the Company's prior written consent.

g) Use of Services:The Client agrees to use the services and information provided by the Company solely for their own investment purposes and not for redistribution, commercial use, or advice to third parties.

h) Compliance with Local Laws:The Client agrees to ensure that their investment activities comply with the laws and regulations of their country of residence or jurisdiction.

i) Fee Obligations:The Client acknowledges their responsibility to pay all applicable fees as outlined in the Agreement and agrees to settle these in a timely manner.

j) Tax Obligations:The client acknowledges that they are solely responsible for complying with applicable tax laws and obligations in their jurisdiction, including the payment of any taxes on profits or income derived from their investments. The Company has got no involvement, liability, or responsibility in this regard. The Client also acknowledges that they are solely responsible for their tax obligations arising from any investments made in connection with the education and information provided by the Company. The Company does not provide tax advice or services. Any information related to the tax implications of investments is for educational and informational purposes only and should not be considered as tax advice.

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7. RESPONSIBILITY FOR INVESTMENTS

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The Company is not responsible for any losses resulting from investment decisions made by the Client based on the education and information provided. The Client is solely responsible for their decision to invest, even if such decisions are based on education and information received from the Company. The Client acknowledges that investing in financial instruments involves inherent risks, and there is no guarantee of any specific return or profit.

Furthermore, the Company does not assume responsibility if any brokers, exchanges, banks, cold or hot wallets providers, or any other third-party services recommended by the Company go bankrupt, fail to meet their obligations, or cause any losses to the Client. Such events are beyond the Company's control. The Company shall not be held liable for any indirect, incidental, special, or consequential damages arising from or in connection with the Client's investment decisions or the use of the services provided. However, the Company always acts in the highest good and interest of the Client with its education and provided information.

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8. INVESTMENT DECISIONS AND RISK ACCEPTANCE

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Services Are Not Official Financial or Investment Advice

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The services provided by the Company are educational in nature and do not constitute official financial or investment advice. The Company does not manage Client’s investments or make specific investment decisions on behalf of the Client. The Client is solely responsible for their own investment decisions.

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Client's Acknowledgement of Risks

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The Client acknowledges that all investments carry risks, including the potential loss of all or part of the invested capital. The Company is not liable for any financial losses that may occur to the Client.

No Guarantees

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The Company does not provide any guarantees, promises, or assurances regarding the outcome or profitability of any investments, and does not make any guarantees, promises, or assurances regarding intermediaries (that may be suggested to the Client by Company) who enable the purchase, sale, storage and handling of their investments and money. All information provided is for educational purposes only and should not be construed as financial advice.

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9. FORCE MAJEURE

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Neither party shall be held liable for failure to perform or delay in performance of its obligations under this Agreement if such failure or delay is due to events beyond the reasonable control of the affected party, including but not limited to force majeure, war, terrorism, strikes, government regulations, natural disasters, or other causes beyond the control of the parties ("force majeure event"). The party affected by a force majeure event must notify the other party as soon as possible and make reasonable efforts to mitigate the effects of the event.

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10. CONFIDENTIALITY

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The Company agrees to treat all information received from the Client as confidential and will not disclose or share such information with any third party without the Client’s explicit consent, except where required by law.

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Similarly, the Client agrees to treat all information received from the Company, including but not limited to business strategies, methodologies, proprietary content, and other sensitive information, as confidential and not to disclose it to any third party without the Company’s explicit consent, except where required by law. The client further acknowledges that any information shared by the company during educational investment and business services, including but not limited to business strategies, proprietary methods, and other sensitive information, constitutes Business Secret and shall not be disclosed to any third party without the Company’s explicit consent, except where required by law.

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Both parties shall take reasonable steps to ensure that their owners, leadership, representatives, employees, agents, contractors or any other individuals or entities, who may come into contact with confidential information also comply with these confidentiality obligations.

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11. Data Protection and Compliance with GDPR and similar regulations worldwide

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The Company commits to carefully handling all personal data of the Client in accordance with applicable data protection legislation, including the General Data Protection Regulation (GDPR). In the event that the data is shared with third parties, it will be done in a legally compliant manner and in accordance with applicable regulations. Both parties agree to comply with the General Data Protection Regulation (GDPR).

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a) Data Processing:

• The Company commits to processing the Client's personal data in accordance with the GDPR.

• Personal data will be collected, processed, and stored for the purpose of providing educational advice, determining educational fees, and promotions.

b) Consent and Rights:

• The Client consents to the collection and processing of their personal data as outlined in this Agreement.

• The Client has the right to access, correct, or request the deletion of their personal data, except for data that the Company is required to retain based on legal or contractual obligations, such as accounting and business requirements.

• The Client may withdraw their consent for the processing of personal data at any time by contacting the Company, with the understanding that the withdrawal does not affect the Company's obligation to retain certain data in accordance with the law or legitimate business interests.

c) Data Retention and Security:

• The Company will retain personal data for as long as necessary to fulfill the purposes of this Agreement and to comply with legal obligations.

• The Company will implement appropriate security measures to protect personal data from unauthorized access or breaches.

d) Third-Party Data Processors:

• If third-party data processors are involved, compliance with the GDPR shall also be ensured. Such third parties will adhere to the same data protection standards.

e) Data Protection Contact:

• The Client may contact Company for any questions related to data protection at info@enlightenedmoney.net

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12. THE AGREEMENT AND AMENDMENTS

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This Agreement is valid from the date of signature by both parties and may only be amended with the written consent of both parties. The Client acknowledges that the Agreement is binding for the agreed-upon duration and that no early termination is allowed unless otherwise specified. The Client is not entitled to a refund for any amounts already paid for educational investment or business services, regardless of the termination or completion of the services. However, in the event of exceptional circumstances, such as health or family issues, the Company may, at its sole discretion, consider a refund or rescheduling of the services.

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13. TERMINATION OF THE AGREEMENT

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a) The Client may request termination of the Agreement by notifying the Company, The Agreement terminates on the date of receipt of the notice. However, this Agreement cannot be terminated after the Services have been provided and executed. If the Client wishes to terminate the Agreement before the execution of the Services and after the payment has been made, such termination is only possible in exceptional circumstances (e.g., health or family issues). The possibility of a refund in such cases is determined solely by the Company. The Client shall inform the Company of such circumstances in writing and submit a formal request to terminate the Agreement. If the Company approves the request, a refund may be issued to the Client, less any costs and fees incurred during the process. However, refunds are only possible if the Services have not yet been provided. Once the Services have been executed, this Agreement cannot be terminated. The Client is obligated to respect and fulfill all obligations outlined in this Agreement.

Clarification of Terms for the purposes of this Agreement:

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Exceptional Circumstances refer to unforeseen and significant events beyond the Client’s reasonable control, including but not limited to serious health issues, bereavement of an immediate family member, or other comparable emergencies.

Fees and Costs include, but are not limited to, administrative processing fees, banking charges, currency conversion fees, and any other expenses incurred by the Company in connection with the refund process.

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b) If the Company determines, at its discretion, that the client is high-risk or otherwise unsuitable for educational advisory services, the Company may terminate the Agreement. In such cases, the company may refund any amounts paid by the client, minus any fees and expenses incurred for the services provided up until the point of termination. The decision to provide a refund, and the amount, is at the sole discretion of the company.

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c) The Company is under no obligation to provide an explanation for its decision to discontinue services to a Client. However, if the Client requests an explanation and maintains a fair and respectful relationship, the company may, at its discretion, choose to provide one.

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14. DISPUTE RESOLUTION

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In the event of any disputes arising from or in connection with this Agreement, both parties agree to first attempt to resolve the matter through negotiation. Should negotiation fail to resolve the dispute, the parties agree to submit the matter to Arbitration before any court proceedings are initiated. The Client agrees to not initiate an Arbitration process, before the execution of negotiations.

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Arbitration Process: The arbitration proceedings will be conducted in accordance with the provisions of the law governing arbitration in Delaware, USA and the parties explicitly agree to proceed to arbitration in Delaware, USA. The arbitral decision shall be final and binding on both parties and the parties expressly waive any right to judicial proceedings in the event of any disputes relating to the subject Agreement.

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Costs of Arbitrage: The Client shall cover all costs associated with the arbitrage process, including but not limited to the arbitrage's fees, administrative expenses, and any other costs incurred by the Company due to the initiation of the arbitrage process by the Client. The Client also covers all above mentioned costs in case the Company is forced to initiate the arbitrage process, in the event when the Client does not honor some or all parts of the Agreement.

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15. FINAL PROVISIONS

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a) Entire Agreement: This Agreement constitutes the entire agreement between the Company and the Client, superseding all prior agreements or representations (whether oral or written) regarding the subject matter of this Agreement. No amendments, modifications, or additions to this Agreement shall be valid unless made in writing and signed by both parties.

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b) Execution and Validity: The Agreement is executed in two identical copies, with each copy having equal legal force and effect. Both parties acknowledge receiving one copy of the Agreement. The Agreement may be executed either by traditional signature or via electronic signature, and in either case, it will have the same legal validity and binding effect as a paper-based signature

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c) Governing Law and Jurisdiction: This Agreement shall be governed by and construed in accordance with the laws of Delaware, USA, without regard to its conflict of laws principles. Any dispute arising from or related to this Agreement shall be resolved as specified in the Dispute Resolution clause.

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d) Severability: If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

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e) Transfer of Agreement: In the event that the Company ceases to operate in its current form or jurisdiction, or changes its legal structure, location, or ownership (including, but not limited to, opening a new company in a different country, restructuring into a new legal entity, or transferring the business to a different form of ownership), this Agreement shall remain in full force and effect. The Company reserves the right to assign or transfer its obligations and rights under this Agreement to any new entity that may arise from such changes, including a new company operating in a different jurisdiction, at the sole discretion of the Company. The Client acknowledges and agrees that the new entity will assume all rights and obligations of the original Company under this Agreement, regardless of any change in name, jurisdiction, or structure, and the Agreement will continue to be legally binding and enforceable with the new entity as the representative of the business.

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16. FINAL ACKNOWLEDGMENT AND AGREEMENT OF RESPONSIBILITY

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The Client acknowledges and agrees that all investment decisions made, including the selection, purchase, or sale of investment products, are entirely their own responsibility. The Company shall not be held liable for the performance or outcome of any investments, nor for any financial losses that may result from such decisions. The Client confirms that they have reviewed and understood all terms of this Contract, and by signing, they accept and agree to all conditions set forth herein.

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The client also understands that the Company provides educational and informational services only and does not offer official investment or financial advice. Any action taken based on the information provided by the Company is done at the client's own discretion, and the Client agrees to bear all risks associated with their investment choices.

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By signing this Agreement, the Client affirms that they understand it completely and they acknowledge its legal validity. This Agreement will be binding upon execution, whether by physical signature or electronic signature, and both parties agree that it is legally enforceable.