Last Updated: June 23, 2026
KnowFully Learning Group, its affiliates and subsidiaries, including as of the current date of this Terms of Use: Surgent Parent, LLC; Surgent McCoy CPE, LLC; Surgent CPA Review LLC; DeltaCPE LLC; MasterCPE LLC; Surgent McCoy Self-Study CPE, LLC; Surgent CFO Resources LLC (f/k/a Surgent Best, LLC; Surgent PharmCon LLC; CME Outfitters, LLC; The Income Tax School, Inc.; Creative Educational Concepts, LLC; Efficient LLC; All-Star Tax Series, LLC; Immediate Action Medicine, Inc.; Psychotherapy.net, LLC; American Fitness Professionals & Associates LLC; EMT & Fire Training, LLC; TheLake, LLC; and Zuku, LLC, among others (collectively, “KnowFully,” “we,” “us,” or “our”) welcome you to our websites, products and services. We invite you to access and use the websites owned or controlled by each KnowFully Learning Group affiliate, subsidiary, and brand that is owned, operated, offered or controlled by KnowFully, including but not limited to: www.surgentcpe.com; www.knowfully.com; www.surgent.com; www.allstartax.com; www.mastercpe.com; www.cpaselfstudy.com; www.freece.com; www.rxconsultant.com; www.impactems.com; www.zukulearning.com; www.chirocredit.com; www.onlinece.com; www.afpafitness.com; www.cmeoutfitters.com; www.ceconcepts.com; and www.psychotherapy.net, (collectively, the “Websites” and each, a “Website”), our continuing education platforms, (the “Platforms”), our mobile applications, which are accessible through tablets, smart phones, and other devices (collectively, the “Apps” and each, a “App”), and our products and services that we make available through the Websites, the Platform, and the Apps (collectively, the Platform, Apps, and all of our products and services are the “Services”), all subject to the following terms and conditions (“Terms of Use”).
BY BROWSING THE PUBLIC AREAS OF ANY OF THE WEBSITES, OR BY ACCESSING OR USING ANY OF THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS OF USE AND BY OUR PRIVACY POLICY (THE “PRIVACY POLICY”), WHICH IS HEREBY INCORPORATED INTO THESE TERMS OF USE AND MADE A PART HEREOF BY REFERENCE (COLLECTIVELY, THE “AGREEMENT”). IF YOU DO NOT AGREE TO ANY OF THE TERMS IN THIS AGREEMENT, YOU MAY NOT ACCESS OR USE ANY OF THE WEBSITES OR SERVICES.
We reserve the right, at our sole discretion, to modify, discontinue, or terminate any of the Websites or Services, and to modify this Agreement, at any time and without prior notice. If we modify this Agreement, we will post the modification on the Websites, the Apps or the Platform, as applicable. By continuing to access or use any of the Websites or Services after we have posted a modification on the Websites or Services, you are indicating that you agree to be bound by the modified Agreement. If the modified Agreement is not acceptable to you, your only recourse is to cease using the Websites and the Services.
If you accept or agree to this Agreement on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that company or other legal entity to this Agreement and, in such event, “you” and “your” will refer and apply to that company or other legal entity.
Capitalized terms not defined in these Terms of Use shall have the meaning set forth in our Privacy Policy.
THE SECTIONS BELOW TITLED “BINDING ARBITRATION” AND “CLASS ACTION WAIVER” CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. THEY AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM.
1. DESCRIPTION AND USE OF SERVICES
We provide end-to-end professional education in the accounting, finance and healthcare sectors. We provide some of our Services on a subscription basis (“Subscription”).
We provide Visitors with access to the Websites, and Registered Users with access to the Services as described below.
As used in this Terms of Use, “Visitors”, as the term implies, are individuals who do not register with us, but want to explore the Websites. No login is required for Visitors. Visitors can: (i) view all publicly-available content on the Websites; and (ii) e-mail us.
As used in this Terms of Use, “Registered Users” are individuals who provide additional information, as described below, that allows them to register with us for access to our Services. Registered Users can do all things that Visitors can do, and can login to use the Services for which they are registered.
We are under no obligation to accept any individual as a Registered User, and we may accept or reject any registration in our sole and complete discretion.
2. LICENSE TO USE THE APP
KnowFully hereby grants you a limited, non-exclusive, non-transferable license to download and install a copy of the mobile App on a single mobile device that you own or control and to run such copy of the App solely for your own personal use. Furthermore, with respect to any App accessed through or downloaded from the Apple, Inc. (“Apple”) application store, including the App Store and iTunes, (collectively the Apple sources are the “Apple Store”, and each of our Apps an “Apple Version App”), you will use the Apple Version App only: (i) on an Apple-branded product that runs iOS (Apple’s proprietary operating system software); and (ii) as permitted by the “Usage Rules” set forth in the App Store Terms of Service. We reserve all rights in and to the App, including the Apple Version App, not expressly granted to you under these Terms of Use.
3. TERMS AND CONDITIONS FOR OUR STREAMING SERVICES
From time to time, we may offer streaming Services (“Streaming Services”) on a subscription basis. For the avoidance of doubt, Services include Streaming Services under this Agreement. A Registered User that subscribes to the Streaming Services is referred to in this Section 3 as a “Subscriber.” If a Subscriber has entered into a Streaming Services agreement with us (“Streaming Services Agreement”), then the terms and conditions of that Streaming Services Agreement shall govern the Subscriber’s access to and use of our Streaming Services. In the absence of a Streaming Services Agreement, the following terms govern your access to and use of our Streaming Services. These terms are in addition to all other terms contained in this Agreement:
i. Grant of Rights. Subject to the terms and conditions of this Agreement, KnowFully hereby grants Subscriber, and (if applicable, pursuant to a Group Streaming subscription under Section 3.iii) any educators, employees, administrators and students authorized by the Subscriber under the Group Streaming subscription as set out in Section 3.iii (“Users”), for the term of this Agreement, a limited, non-exclusive, terminable, non-transferable license to download and stream the content made available through our Streaming Services (“Streaming Services Content”) pursuant to the terms and conditions set forth in this Agreement. We may, in our sole discretion, make changes to the Streaming Services Content, including but not limited to adding and removing video titles or other content, adding closed-captioning, and implementing new encoding rates. All rights not expressly granted to Subscribers and Users pursuant to this Agreement are reserved to KnowFully Learning, and all uses of the Streaming Services Content by Subscribers and Users not expressly permitted hereunder are prohibited.
ii. Individual Streaming. Allows a single Subscriber to watch streaming videos through the Streaming Services. If you are purchasing the video for use by more than one person you will need to purchase videos with a Group Streaming subscription (see Section 3.iii). Access to the videos may be terminated if Subscriber is found to be in violation of these terms and conditions, or upon the termination of the Streaming Services.
a. Video Stream Purchases. Allows a single Subscriber to add streaming videos to their account with no further commitment. Videos added this way remain in the Subscriber’s account indefinitely.
b. Video Stream Memberships. Allows a single Subscriber to access multiple streaming videos through the Streaming Services. The Subscriber’s credit card provided during the registration process will be charged automatically at the beginning of each membership cycle, until you notify us that you are terminating your account. You can either send us an email instructing us to terminate your account at: info@surgent.com, or opt-out of your account by deleting your account information in your subscriber profile.
1. Choice Plan. Allows a single Subscriber to access a personalized selection of streaming videos through the Streaming Services. Choice Plan Subscribers are allowed to add two streaming videos from the Streaming Services to their account every thirty (30) days. Videos added through the Choice Plan will remain in the Subscriber’s account as long as the Subscriber continues to subscribe to the Choice Plan (e.g., after three months on the program a Subscriber will have six videos in their account).
2. Unlimited Plan. Allows a single Subscriber to access the entire video library that is made available through the Streaming Services. Access to the full library will continue as long as the membership is active.
iii. Group Streaming. Allows one Subscriber, and all Users as designated by the Subscriber under the Subscriber’s account, to watch streaming videos through the Streaming Services. All persons viewing the Streaming Services Content in a group setting (such as a classroom) must be authorized Users. A license to view videos for Group Streaming can be purchased for individual videos or a collection of videos and the license will last for the period of time indicated on the paid Group Streaming Subscription. The price of a Group Streaming Subscription is based on the number of Users connected to the Subscriber’s account. We monitor Subscriber and User usage levels and reserve the right to terminate access to Subscribers who, in our sole opinion, have more Users accessing the Streaming Services Content than are allowed under the applicable Subscription. It is the responsibility of the Subscriber to notify us if the number of Users associated with their account changes.
iv. Permitted and Prohibited Uses.
a. Downloading of Streaming Services Content. Subscribers and Users may download the instructor manuals for any videos included in their Subscription. Such downloading shall be for use by Subscriber or Users only, and neither the Subscriber nor the Users have the right to (1) systematically download any of the Streaming Services Content, (2) create distribution “libraries”, or (3) transfer, sell, rent, display, exhibit, or make available the Streaming Services Content, or any part thereof, to any third party who is not also a Subscriber or User.
b. Prohibited Uses. Except as expressly set forth herein, neither Subscriber nor any User may (i) copy, reproduce, alter, modify, transmit, perform, create derivative works of, publish, sub-license, distribute, or circulate the Streaming Services Content, or any portion thereof; (ii) disassemble, decompile, or reverse engineer the Streaming Services Content or any portion thereof, or use a robot, spider, or any similar device to copy or catalog the Streaming Services Content or any portion thereof; (iii) take any actions, whether intentional or unintentional, that may circumvent, disable, damage or impair the Streaming Services Content’s control or security systems, nor allow or assist a third party to do so; or (iv) use the Streaming Services Content in a manner that disparages the Streaming Services Content or us, or in any manner that we may, in our sole discretion, deem inappropriate.
v. Compatible Devices. In order to be able to stream or download the Streaming Services Content from the Streaming Services and to view Streaming Services Content through the Streaming Services, you will need to use a personal computer, portable media player, or other device that meets the system and compatibility requirements that we establish from time to time and is otherwise capable of interacting with the Streaming Services (each such device, a “Compatible Device”). We may change the requirements for Compatible Devices from time to time and, in some cases, whether a device is (or remains) a Compatible Device may depend on software or systems provided or maintained by the device manufacturer or other third parties. As a result, devices that are Compatible Devices at one time may cease to be Compatible Devices in the future.
vi. Video Quality. When you stream the Streaming Services Content, the resolution and quality of the Streaming Services Content you receive will depend on a number of factors, including the type of Compatible Device on which you are streaming the Streaming Services Content and your bandwidth, which may vary over the course of your viewing. If we detect that the Streaming Services Content we are streaming to you may be interrupted or may otherwise not play properly due to bandwidth constraints or other factors, we may decrease the resolution and file size of the Streaming Services Content we stream to you in an effort to provide an uninterrupted viewing experience. While we strive to provide you a high quality viewing experience, we make no guarantee as to the resolution or quality of the Streaming Services Content you will receive when streaming.
4. USE OF PERSONAL INFORMATION
Your use of the Websites and Services may involve the transmission to us of certain personal information. Our policies with respect to the collection and use of such personal information are governed by our Privacy Policy, which is hereby incorporated by reference in its entirety.
5. ELIGIBILITY
The Websites and the Services are available for individuals aged 18 years or older. If you are under 18 years of age, please do not use any of the Websites or Services. If you are 18 or older, but under the age of majority in your jurisdiction, you should review this Agreement with your parent or guardian to make sure that you and your parent or guardian understand the terms of this Agreement.
6. COMMUNITY GUIDELINES
KnowFully’s community, like any community, functions best when its people follow a few simple rules. By accessing and/or using the Websites or Services, you hereby agree to comply with the following community rules and that:
We reserve the right, in our sole and absolute discretion, to deny you access to the Websites and any Services, or any portion of the Websites and Services, without notice.
7. INTELLECTUAL PROPERTY
The Websites and Services contain material, such as software, text, graphics, images, sound recordings, audiovisual works, and other material provided by or on behalf of KnowFully (collectively referred to as the “Content”). The Content is owned by us or by third parties. The Content is protected under both United States and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws governing intellectual property or other proprietary rights in such Content. You have no rights in or to the Content, and you will not use the Content except as permitted under this Agreement. No use of the Content, other than as expressly granted in this Agreement, is permitted without prior written consent from us. You must retain all copyright, trademark and other proprietary notices contained in the original Content on any copy you make of the Content. You may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. Your use or posting of the Content, in whole or in part, on any other website or in a networked computer environment for any purpose is expressly prohibited.
If you violate any part of this Agreement, your permission to access and use the Content, Websites and Services automatically terminates, with or without prior notice from us, and you must immediately destroy all copies of the Content you have in your possession or control.
The trademarks, service marks, and logos of KnowFully (“Our Trademarks”) used and displayed on the Websites and on or in connection with any Services are registered and unregistered trademarks or service marks of KnowFully. Other company, product, and service names located on the Websites, the Platform, the Apps and the Services may be trademarks or service marks owned by others (the “Third-Party Trademarks”, and, collectively with Our Trademarks, the “Trademarks”). Nothing on the Websites or any Services grants, by implication, estoppel, or otherwise, any license or right to use the Trademarks without our prior written permission specific for each such use. Use of the Trademarks as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of Our Trademarks inures to our benefit.
Elements of the Websites and Services are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to the use of framing or mirrors. None of the Content may be retransmitted without our express, written consent for each and every instance.
8. REGISTRATION
In order to access and use any of the Services, you must create an account as a Registered User. As part of the registration process, you will be required to provide your email address (“Sign-In Name”), password (“Password”), and perhaps certain additional information that will assist us in authenticating your identity when you log-in in the future (“Unique Identifiers”). When creating your account, you must provide true, accurate, current, and complete information. Each Sign-In Name and corresponding Password can be used by only a single user. You are responsible for the confidentiality, security and use of your Sign-In Name, Password, and Unique Identifiers. You will promptly inform us if you need to deactivate a Password or Sign-In Name, or change any Unique Identifier and of any unauthorized use or misuse of your Password, Sign-In Name, Unique Identity, or account. We reserve the right to delete or change your Password, Sign-In Name, or Unique Identifier at any time and for any reason. You represent and warrant that the information you provide to us during the registration process and at all other times will be true, accurate, current, and complete.
9. FEES, PAYMENTS AND AUTOMATIC RENEWALS
You agree to pay all applicable fees, including but not limited to, Subscription fees. We may use a third party payment vendor (“Third-Party Payment Processor”) to process your payment of fees, including any payment card payments. You warrant and represent that you are the valid owner or an authorized user of the credit card or other payment card used in the registration process and submitted to such Third Party Payment Processor, and that all information you provide is accurate. If we do not receive timely payment from your credit card issuer or any other payment facility, you hereby agree to pay immediately all amounts due upon demand. You agree to pay all costs of collection, including attorney’s fees and other costs, on any outstanding balance due in connection with any account or Subscription, including past due Subscription fees.
IT IS IMPORTANT TO NOTE THAT WHEN YOU SIGN UP FOR A SUBSCRIPTION (MONTHLY, ANNUALLY, OR OTHERWISE), YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW UNTIL YOU CANCEL IT. YOU MAY CANCEL YOUR SUBSCRIPTION AT ANY TIME BY NOTIFYING US IN WRITING NO LATER THAN TEN (10) DAYS BEFORE THE NEXT UPCOMING RENEWAL, AND THE CANCELLATION WILL TAKE EFFECT THE FOLLOWING MONTH. IF YOU DO NOT CANCEL, THEN YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW UNDER THE SAME SUBSCRIPTION TERMS.
We reserve the right to change any of the fees that we charge, or to institute new or additional fees, at any time upon notice to you.
10. REFUNDS AND CANCELLATIONS
KnowFully Program Refund Policy:
Refunds for memberships, packages, certificate programs, courses, and other Services are available within ten (10) business days after date of purchase, assuming that no credit has been granted. If you would like to report a complaint or question about a KnowFully Service, please contact KnowFully customer service at (800) 778-7436 or email info@knowfully.com.
KnowFully Webinar Cancellation Policy:
In the rare event that we need to cancel a webinar due to circumstances beyond our control, all participants will be notified and given the opportunity to either transfer to another webinar or obtain a refund.
11. SMS TEXT MESSAGES
You may elect to receive SMS text messages from us regarding the continuing education programs that you have registered to attend, or continuing education programs, promotional offers, program updates, and other communications that you may find of interest to you. These messages may use information you provide directly to us, or that we automatically collect based on your actions while visiting our Websites or using our Services. By providing your phone number or otherwise opting in to receive SMS text messages from us, you consent to receive recurring automated text messages sent directly to your mobile phone and to our collection, storage, and use of the information you provide, including your telephone number, when you read a text message, message interaction data, and records of your opt-in consent (including timestamp and method). All information provided or collected in connection with SMS messages is subject to the terms of our Privacy Policy.
The types of SMS messages you may receive may include:
By opting-in to receive SMS text messages from us, you acknowledge that messaging and data rates may apply depending on your phone service provider. We are not responsible for any charges you may incur from your phone service provider.
Delivery of the SMS messages is subject to effective transmission from your phone service provider. We do not guarantee delivery of any SMS message.
You may opt out of receiving SMS text messages at any time by texting “STOP” in response to the text messages you receive or by changing your notification and communication preferences in the Platform. However, by opting-out of receiving text messages, you may not be able to use full functionality of some Services. Opting-out of marketing SMS messages does not affect your receipt of transactional or account-related messages required for the administration of your enrollment in certain Services.
12. USER GENERATED CONTENT
From time to time, we may allow you to post reviews, comments, or similar materials on the Websites, the Platform, the Apps or in connection with any of the other Services (collectively, the “User Generated Content”). We cannot and, as a policy we do not review all User Generated Content. Our Websites and Services act as a passive conduit for distribution of the User Generated Content to other users of our Websites. That said, we may remove User Generated Content that violates the terms of this Agreement or that is offensive or otherwise unacceptable to us in our sole discretion.
You expressly acknowledge and agree that once you submit User Generated Content to your account, it will be accessible by other users of the Websites and Services and that there are no obligations of confidentiality or privacy with respect to any such User Generated Content, including, without limitation, any personal information that you may make available. YOU, AND NOT KNOWFULLY, ARE ENTIRELY RESPONSIBLE FOR ALL USER GENERATED CONTENT THAT YOU UPLOAD, POST, E-MAIL, OR OTHERWISE TRANSMIT VIA THE WEBSITES OR ANY SERVICES.
You retain all copyrights and other intellectual property rights in and to the User Generated Content. You do, however, hereby grant us a non-exclusive, royalty-free, fully paid-up, sublicensable, transferable, perpetual, irrevocable license to modify, compile, combine with other content, create derivative works of, copy, record, synchronize, transmit, translate, format, distribute, publicly display, publicly perform, and otherwise use and exploit your User Generated Content as reasonably necessary to provide the Websites and Services.
If you submit User Generated Content to us, each such submission constitutes a representation and warranty that (i) such User Generated Content is your original creation (or that you otherwise have all rights necessary to provide the User Generated Content), (ii) you have all rights necessary to grant the license to the User Generated Content under the prior paragraph, (iii) all User Generated Content, and its use by KnowFully and its content partners as permitted by this Agreement, does not and will not infringe, misappropriate, dilute or otherwise violate any intellectual property rights or moral rights of any person or contain any libelous, defamatory, or obscene material or content that violates the terms of this Agreement.
13. FEEDBACK
We welcome and encourage you to provide feedback, comments, and suggestions for improvements to the Websites and Services (“Feedback”). Although we encourage you to e-mail us, do not e-mail us any content that contains confidential information. With respect to any Feedback you provide, we have the unrestricted right to use and disclose any ideas, concepts, know-how, techniques, or other materials contained in your Feedback for any purpose whatsoever, including, but not limited to, the development, production and marketing of products and services that incorporate such information, without compensation or attribution to you.
14. ACCESSING AND DOWNLOADING THE APP FROM ITUNES
The following terms apply to any Apple Version App. These terms are in addition to all other terms contained in this Agreement:
15. NO WARRANTIES; LIMITATION OF LIABILITY
THE WEBSITES, SERVICES, AND ALL CONTENT RELATED THERETO ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND NEITHER KNOWFULLY NOR ITS SUPPLIERS, SUBPROCESSORS, OR VENDORS MAKE ANY WARRANTIES WITH RESPECT TO THE SAME OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, AND KNOWFULLY HEREBY DISCLAIMS ANY AND ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, ERROR-FREE OR UNINTERRUPTED OPERATION, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.
IN CONNECTION WITH ANY WARRANTY, CONTRACT, OR COMMON LAW TORT CLAIMS: (I) WE SHALL NOT BE LIABLE FOR ANY DIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION RESULTING FROM THE USE OR INABILITY TO ACCESS AND USE THE WEBSITES OR ANY SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (II) ANY DIRECT DAMAGES THAT YOU MAY SUFFER AS A RESULT OF YOUR USE OF THE WEBSITES OR SERVICES SHALL BE LIMITED TO THE GREATER OF THE TOTAL FEES PAID BY YOU TO US FOR YOUR USE OF THE WEBSITES AND SERVICES IN THE IMMEDIATELY PRECEEDING THREE (3) MONTH PERIOD OR ONE HUNDRED DOLLARS ($100).
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. THEREFORE, SOME OF THE ABOVE LIMITATIONS ON WARRANTIES IN THIS SECTION MAY NOT APPLY TO YOU.
NOTHING IN THIS AGREEMENT SHALL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO YOU.
THE WEBSITES AND SERVICES MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS OR OMISSIONS. UNLESS REQUIRED BY APPLICABLE LAWS, WE ARE NOT RESPONSIBLE FOR ANY SUCH INACCURACIES OR ERRORS INCLUDED ON THE WEBSITES OR ON OR ASSOCIATED WITH ANY SERVICES. WE RESERVE THE RIGHT TO MAKE CHANGES, CORRECTIONS, AND IMPROVEMENTS TO THE WEBSITES AND ANY SERVICES AND ADD OR REMOVE CONTENT AT ANY TIME WITHOUT NOTICE.
16. EXTERNAL SITES
The Websites and Services may contain links to third-party websites (“External Sites”). These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the website administrator or webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites. We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of materials on such External Sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access linked External Sites, you do so at your own risk.
17. INDEMNIFICATION
You will indemnify, defend, and hold KnowFully and its shareholders, members, officers, directors, employees, agents, and representatives (collectively, “Indemnitees”) harmless from and against any and all damages, liabilities, losses, costs, and expenses, including reasonable attorney’s fees (collectively, “Losses”) incurred by any Indemnitee in connection with a third-party claim, action, or proceeding (each, a “Claim”) arising from or related to (i) your breach of this Agreement; (ii) your misuse of the Websites, Services, or any Content; (iii) your violation of any third-party right, including without limitation any copyright, trademark, or other intellectual property or proprietary right, property right, or privacy right; or (iv) your negligence, gross negligence, willful misconduct, fraud, misrepresentation or violation of law; provided, however, that the foregoing obligations shall be subject to our: (i) promptly notifying you of the Claim; (ii) providing you, at your expense, with reasonable cooperation in the defense of the Claim; and (iii) providing you with sole control over the defense and negotiations for a settlement or compromise. In no event shall you settle any claim without our prior written approval. We may, at our own expense, engage separate counsel to advise us regarding a Claim and to participate in the defense of the claim, subject to your right to control the defense and settlement of such Claim.
18. COMPLIANCE WITH APPLICABLE LAWS
The Websites and Services are based in the United States. We make no claims concerning whether the Websites and Services may be viewed or be appropriate for use outside of the United States. If you access the Websites or any Services from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the applicable laws of your specific jurisdiction.
19. TERMINATION OF THIS AGREEMENT
We reserve the right, in our sole discretion, to restrict, suspend, or terminate this Agreement and your access to all or any part of the Websites and Services, at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Websites and Services at any time without prior notice or liability.
20. DIGITAL MILLENNIUM COPYRIGHT ACT
Notification of Claimed Infringement
We respect the intellectual property rights of others and attempt to comply with all relevant laws. We will review all claims of copyright infringement received and remove any content deemed to have been posted or distributed in violation of any such laws. Our Designated Agent under the Digital Millennium Copyright Act (the “Act”) for the receipt of any Notification of Claimed Infringement which may be given under that Act is as follows:
KnowFully Learning Group
201 N. King of Prussia Rd
Suite 370
Radnor, PA, 19087
Attn: Copyright Agent
Phone: 610-994-9604
Email: accounting@knowfully.com
If you believe that your work has been copied on any of the Websites Services in a way that constitutes copyright infringement, please provide our Designated Agent with notice in accordance with the requirements of the Act, including (i) a description of the copyrighted work that has been infringed and the specific location on the Website or Services where such work is located; (ii) a description of the location of the original or an authorized copy of the copyrighted work; (iii) your address, telephone number and e-mail address; (iv) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; (v) a statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf; and (vi) an electronic or physical signature of the owner of the copyright or the person authorized to act on behalf of the owner of the copyright interest.
Counter-Notification Procedures
If you believe that material you posted on any of the Websites or Services was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (a “Counter-Notice”) by submitting written notification to our Designated Agent (identified above).
Pursuant to the Act, the Counter-Notice must include substantially the following: (i) your physical or electronic signature; (ii) an identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled; (iii) adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address); (iv) a statement under penalty of perjury by you that you have a good faith belief that the material identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; (v) a statement that you will consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or if you reside outside the United States for any judicial district in which the Website and/or the App may be found) and that you will accept service from the person (or an agent of that person) who provided the Websites or Services with the complaint at issue.
The Act allows us to restore the removed content if the party filing the original notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice.
Please be aware that if you knowingly materially misrepresent that material or activity on the Websites or Services was removed or disabled by mistake or misidentification, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the Act.
21. BINDING ARBITRATION
In the event of a dispute arising under or relating to this Agreement or any other products or services provided by us (each, a “Dispute”), such dispute will be finally and exclusively resolved by binding arbitration governed by the Federal Arbitration Act (“FAA”). NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL, EXCEPT EITHER PARTY MAY BRING ITS CLAIM IN ITS LOCAL SMALL CLAIMS COURT, IF PERMITTED BY THAT SMALL CLAIMS COURT RULES AND IF WITHIN SUCH COURT’S JURISDICTION. THE PARTIES HEREBY WAIVE THEIR RIGHT TO A JURY TRIAL. ARBITRATION IS DIFFERENT FROM COURT, AND DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION. All disputes will be resolved before a neutral arbitrator selected jointly by the parties, whose decision will be final, except for a limited right of appeal under the FAA. The arbitration shall be commenced and conducted by JAMS pursuant to its current Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those rules, or, where appropriate, pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. All applicable JAMS’ rules and procedures are available at the JAMS website www.jamsadr.com. Each party will be responsible for paying any JAMS filing, administrative, and arbitrator fees in accordance with JAMS rules. Judgment on the arbitrator’s award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The arbitration may be conducted in person, through the submission of documents, by phone, or online. If conducted in person, the arbitration shall take place in the United States county where you reside. The parties may litigate in court to compel arbitration, to stay a proceeding pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator. The parties shall cooperate in good faith in the voluntary and informal exchange of all non-privileged documents and other information (including electronically stored information) relevant to the Dispute immediately after commencement of the arbitration. As set forth in Section 21 below, nothing in this Agreement will prevent us from seeking injunctive relief in any court of competent jurisdiction as necessary to protect our proprietary interests.
22. CLASS ACTION WAIVER
You agree that any arbitration or proceeding shall be limited to the Dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
23. EQUITABLE RELIEF
You acknowledge and agree that in the event of a breach or threatened violation of our intellectual property rights and confidential and proprietary information by you, we will suffer irreparable harm and will therefore be entitled to injunctive relief to enforce this Agreement. We may, without waiving any other remedies under this Agreement, seek from any court having jurisdiction any interim, equitable, provisional, or injunctive relief that is necessary to protect our rights and property pending the outcome of the arbitration referenced above. You hereby irrevocably and unconditionally consent to the personal and subject matter jurisdiction of the federal and state courts in the State of Pennsylvania for purposes of any such action by us.
24. CONTROLLING LAW; EXCLUSIVE FORUM
This Agreement and any action related thereto will be governed by the laws of the State of Pennsylvania without regard to its conflict of laws provisions. The Parties hereby consent and agree to the exclusive jurisdiction of the state and federal courts located in the State of Pennsylvania for all suits, actions, or proceedings directly or indirectly arising out of or relating to this Agreement, and waive any and all objections to such courts, including but not limited to, objections based on improper venue or inconvenient forum, and each party hereby irrevocably submits to the exclusive jurisdiction of such courts in any suits, actions, or proceedings arising out of or relating to this Agreement.
25. MISCELLANEOUS
If this Agreement is terminated in accordance with the termination provision in Section 18 above, such termination shall not affect the validity of the following provisions of this Agreement, which shall remain in full force and effect: “Intellectual Property,” “Fees, Payments and Automatic Renewals” (solely with respect to your obligation to pay all applicable fees and to pay all costs of collection, including attorney’s fees and other costs, on any outstanding balance due in connection with any account or Subscription, including past due Subscription fees), “User Generated Content,” “Feedback,” “No Warranties; Limitation of Liability,” “Indemnification,” “Compliance with Applicable Laws,” “Binding Arbitration,” “Class Action Waiver”, “Equitable Relief”, “Controlling Law; Exclusive Forum,” and “Miscellaneous.”
Our failure to act on or enforce any provision of this Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against us unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. Except as expressly agreed by us and you in writing, this Agreement constitutes the entire agreement between you and us with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. You may not assign your rights or delegate its obligations under this Agreement to any third party, whether voluntarily or by operation of law or otherwise, without our prior written consent, such consent not to be unreasonably withheld, and subject to you paying any applicable transfer or set-up fees. Any purported assignment or transfer in violation of this section shall be void. Subject to the foregoing restrictions, this Agreement will bind and inure to the benefit of the parties and their permitted successors and assigns.
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