Terms of Service

By accessing or using the X-MerAkI platform (the "Platform"), including our website, e-learning courses, consulting services, digital store, and any related services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Platform. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and X-MerAkI ("Company," "we," "us," or "our"), a company registered in Miami, Florida, USA. We reserve the right to update these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the revised Terms.

X-MerAkI provides the following services through our Platform: • IT Consulting: Strategy and digital transformation consulting, including SAP implementation (S/4 HANA & Business One), AI solutions, and business process optimization • E-Learning Academy: Online courses, certifications, learning paths, live classes, and study groups covering technology, business, and professional development • Digital Store: E-books, AI agents, digital tools, and educational materials available for purchase • Training & Development: Corporate training programs, workshops, and professional development services • AI-Powered Tools: Intelligent chatbot assistance, personalized recommendations, and AI-generated content • Community Features: Discussion forums, study groups, leaderboards, and referral programs We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with reasonable notice.

Account Creation: To access certain features of the Platform, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary. Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use. User Conduct: You agree not to: • Use the Platform for any unlawful purpose or in violation of these Terms • Impersonate any person or entity, or falsely state or misrepresent your affiliation • Interfere with or disrupt the Platform or servers connected to the Platform • Attempt to gain unauthorized access to any portion of the Platform • Use automated means (bots, scrapers) to access the Platform without our written consent • Upload or transmit viruses, malware, or any harmful code • Harass, abuse, or harm other users • Share your account credentials with third parties Account Termination: We reserve the right to suspend or terminate your account at our discretion if you violate these Terms or engage in conduct that we determine to be harmful to the Platform or other users.

Our Content: All content on the Platform, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, course materials, and the overall design and arrangement of the Platform, is the property of X-MerAkI or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws. Trademarks: "X-MerAkI," the X-MerAkI logo, and all related names, logos, product and service names, designs, and slogans are trademarks of X-MerAkI. You may not use these marks without our prior written permission. Course Materials: Course content, including videos, documents, quizzes, and supplementary materials, is licensed for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any course materials without our express written consent. User Content: By submitting content to the Platform (e.g., discussion posts, reviews, assignments), you grant X-MerAkI a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content in connection with the Platform. DMCA: If you believe your copyrighted work has been infringed, please contact us at [email protected] with the required DMCA notice information.

Pricing: All prices are displayed in US Dollars (USD) unless otherwise specified. Prices are subject to change with reasonable notice. Payment Processing: Payments are processed securely through Stripe. By making a purchase, you agree to Stripe's Terms of Service. We do not store your credit card information. Subscription Services: Some services may be offered on a subscription basis (Silver, Gold, Diamond tiers). Subscriptions automatically renew unless cancelled before the renewal date. Course Purchases: Once a course is purchased and accessed, it is considered delivered. Access to purchased courses is typically granted for the lifetime of the course on our Platform. E-Book and Digital Product Purchases: Digital products are delivered immediately upon successful payment. Due to the nature of digital goods, all sales of digital products are final once the download or access has been initiated. Consulting Services: Consulting engagements are governed by separate service agreements that supplement these Terms. Payment terms for consulting services are specified in the applicable service agreement or proposal.

Course Refunds: We offer a 14-day money-back guarantee for course purchases, provided you have not completed more than 30% of the course content. To request a refund, contact us at [email protected]. Subscription Cancellations: You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. No partial refunds are provided for the remaining period. Digital Products: Due to the nature of digital goods, refunds for e-books and AI agents are handled on a case-by-case basis. Contact support within 7 days of purchase if you experience issues. Consulting Services: Refund policies for consulting services are outlined in the applicable service agreement. Chargebacks: If you initiate a chargeback without first contacting us, we reserve the right to suspend your account pending resolution.

Disclaimer of Warranties: THE PLATFORM AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Limitation: TO THE MAXIMUM EXTENT PERMITTED BY LAW, X-MERAKI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: • Your access to or use of (or inability to access or use) the Platform • Any conduct or content of any third party on the Platform • Any content obtained from the Platform • Unauthorized access, use, or alteration of your transmissions or content Cap: OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. Professional Advice: Our consulting recommendations and course content are for informational and educational purposes. They do not constitute professional advice. You should consult qualified professionals for specific business, legal, or technical decisions.

We reserve the right to modify these Terms at any time. When we make material changes, we will: • Update the "Last Updated" date at the top of this page • Notify registered users via email for significant changes • Display a prominent notice on the Platform Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Platform and may request account deletion. We maintain a version history of these Terms. Previous versions are available upon request.

Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States of America, without regard to its conflict of law provisions. Dispute Resolution: Any dispute arising out of or relating to these Terms or the Platform shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in Miami, Florida. Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. Exceptions: Nothing in this section shall prevent either party from seeking injunctive or other equitable relief in any court of competent jurisdiction. For EU Users: If you are a consumer in the European Union, you may also be entitled to invoke the mandatory consumer protection laws of your country of residence. You may also bring proceedings before the courts of your country of residence.

For any questions or concerns about these Terms of Service, please contact us: Legal Department X-MerAkI 3643 S 24th Street Miami, FL 33145, USA Email: [email protected] Phone: +1 (786) 972-4030 For general inquiries: [email protected] For support: [email protected]