AOP Certified Operator

AI OPERATOR PROGRAM (AOP) ENROLLMENT AGREEMENT & TERMS OF PURCHASE

Version 2.1 — September 25, 2026 · Contract ID: AOP-EA-v2.1 · Skyfall Intelligence Agency Inc. · skyfallia.com

This Enrollment Agreement ("Agreement") is a legally binding contract between the purchaser completing checkout ("you," "Student") and the applicable Skyfall entity ("Skyfall," "we"): if you reside in the United States, you contract with Skyfall Intelligence Agency LLC, a Florida limited liability company; if you reside anywhere else, you contract with Skyfall Intelligence Agency Inc., an Ontario, Canada corporation. Each entity may perform functions as the other's agent, and each may enforce this Agreement, but only the entity matching your residence is your counterparty. By checking the acceptance boxes and clicking "Complete Purchase," you agree to every term below.

1. Eligibility; Capacity; Business Purpose

1. You represent and warrant that you are at least 18 years of age (or the age of majority in your jurisdiction, if higher), have full legal capacity to contract, and are purchasing with your own payment method or with the cardholder's express authority.

2. You represent that you are purchasing the Program predominantly for business, professional, or vocational purposes — to build or grow a business or professional skill set — and not for personal, family, or household purposes. This representation is material to Skyfall's willingness to sell to you at this price.

3. If any representation in this §1 is false, Skyfall may void the transaction; amounts paid for content already delivered remain earned.

2. The Program; What Is and Is Not Promised

1. The AI Operator Program ("Program") is a digital education product: course modules, lessons, templates, prompts, community access, and, at applicable tiers, certification pathways and coaching ("Program Content"). Your tier and price are stated on the checkout page, which forms part of this Agreement.

2. Platform flexibility: Program Content is delivered via third-party platforms selected by Skyfall (currently a community platform and payment processor). Skyfall may substitute platforms, update, reorganize, retire, or replace individual lessons or community features at any time, provided the Program's substantial educational value is maintained. Such changes are not a failure of consideration and create no refund right.

3. Access term: lifetime of the Program (minimum twelve (12) months from purchase), subject to §8 and §9.

3. Payment; Payment Plans; Taxes

1. Prices are in U.S. dollars unless stated otherwise at checkout. You authorize Skyfall and its processors to charge your payment method the amounts presented, including each installment of a payment plan.

2. Payment plans are a firm commitment to the full purchase price — a financing accommodation, not a subscription. Stopping payments does not cancel the debt; §5 applies to the entire price.

3. Failed installments unpaid ten (10) days after notice accelerate the remaining balance, and access is suspended until cured. You are responsible for applicable taxes and bank/FX fees.

4. 24-Hour Cancellation Window — Your Only Cancellation Right.

1. You may cancel for a full refund only within twenty-four (24) consecutive hours from the timestamp of your purchase confirmation (all times measured in UTC as recorded by our payment processor).

2. How to cancel (either channel is effective): (a) email support@skyfallintelligenceagency.com from your purchase email with subject "CANCEL"; or (b) submit the cancellation form at skyfallia.com/cancel. A cancellation is timely if sent within the window, as shown by the sending timestamp of your email or form submission. We will acknowledge within two (2) business days; non-receipt of an acknowledgment does not invalidate a timely cancellation you can evidence.

3. Access forfeits the window: the cancellation right ends early the moment you first open any course lesson, download any template or resource, or attend any coaching session ("Substantive Access"). Substantive Access does not include: browsing the community welcome/start-here areas, posting an introduction, or reading this Agreement. Our platform's access logs are the record of Substantive Access and will be preserved and made available in any dispute.

4. AFTER THE WINDOW CLOSES OR UPON SUBSTANTIVE ACCESS — WHICHEVER IS FIRST — ALL SALES ARE FINAL: NO REFUNDS, CREDITS, TRANSFERS, OR CANCELLATIONS, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

5. Final-Sale Terms; Statutory Withdrawal Waiver; Chargebacks

1. Separate express waiver (EU/UK/EEA): at checkout you will be presented with a separate, unticked checkbox reading: "I expressly request immediate access to the digital content and immediate performance of services, and I acknowledge that I thereby lose my 14-day right of withdrawal, subject only to the 24-hour window in §4." This Agreement, the checkout summary, and your ticked boxes will be emailed to you as a durable-medium confirmation immediately after purchase. If your jurisdiction's law nonetheless preserves a withdrawal right despite this waiver, that right applies only to the extent the law mandates.

2. Mandatory-law carve-out: nothing here excludes non-waivable statutory rights (including under the Australian Consumer Law; where applicable, the Quebec Consumer Protection Act; and any US state statute granting non-waivable cancellation rights for specific contract types, to the extent a court holds one applies to this digital education product). Where such rights apply, Skyfall's obligation is limited to the minimum remedy the statute requires (including, where the law permits election, re-supply of the content or the cost of re-supply), and every other provision remains in force.

3. Chargebacks: initiating a payment dispute for a charge compliant with this Agreement is a material breach. You agree Skyfall may suspend access during any dispute, present your acceptance records (§13.4) to the processor, and recover amounts owed plus reasonable collection costs and processor dispute fees. A lost chargeback does not extinguish the underlying debt.

6. No Earnings Claims; Independent Decision

YOU ACKNOWLEDGE: (A) THE PROGRAM IS EDUCATION, NOT A BUSINESS OPPORTUNITY, FRANCHISE, SECURITY, OR EMPLOYMENT; (B) NO INCOME, REVENUE, CLIENT, CERTIFICATION, OR BUSINESS RESULT IS PROMISED, PROJECTED, OR IMPLIED; (C) ANY FIGURES, CASE STUDIES, OR TESTIMONIALS REFERENCED ANYWHERE BY SKYFALL ARE ILLUSTRATIONS OF SPECIFIC, NON-TYPICAL CIRCUMSTANCES; (D) RESULTS DEPEND ON FACTORS OUTSIDE SKYFALL'S CONTROL; AND (E) YOU DID NOT RELY ON ANY STATEMENT — WRITTEN, SPOKEN, RECORDED, OR IN MARKETING OR SOCIAL MEDIA — OUTSIDE THIS AGREEMENT AND THE CHECKOUT PAGE IN DECIDING TO PURCHASE. YOU CONFIRM YOU WERE GIVEN THE OPPORTUNITY TO ASK QUESTIONS AND SEEK INDEPENDENT ADVICE BEFORE PURCHASING.

7. Not Professional Advice

Program Content — including content touching underwriting, compliance, insurance, mortgages, real estate, and financial services — is general education only, not legal, financial, tax, insurance, or investment advice. You are solely responsible for licensing and legal compliance in your jurisdiction and for engaging qualified professionals.

8. License; Intellectual Property; Liquidated Damages

1. You receive a limited, personal, non-exclusive, non-transferable, revocable license to use Program Content for your own education and internal business use during your access term. All content, marks, curricula, templates, prompts, and methods remain Skyfall's exclusive property.

2. You will not share, resell, republish, or distribute Program Content; share credentials; record, scrape, or mass-download; use content to build a competing program; or remove notices.

3. Liquidated damages (unlawful distribution): the parties agree actual damages from unauthorized distribution of Program Content are real but genuinely difficult to quantify (lost enrollments are not traceable to specific leaks). As a reasonable pre-estimate — not a penalty — you agree to pay, per act of unauthorized distribution, the greater of (a) documented revenue you derived from the violation, or (b) one (1) full price of the highest tier you purchased. Skyfall may also seek injunctive relief. If a tribunal finds this sub-section unenforceable, it is severed and Skyfall may prove actual damages; the remainder of the Agreement is unaffected.

9. Community Conduct; Termination for Cause

Skyfall may suspend or terminate access, without refund, for material breach, harassment, unlawful conduct, disparagement campaigns, spam, or material disruption — following, except in severe cases, one written warning with 48 hours to cure. Termination for cause does not relieve payment obligations.

10. Disclaimers; Third-Party Tools

THE PROGRAM IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, SKYFALL DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES. THIRD-PARTY TOOLS AND PLATFORMS REFERENCED IN OR HOSTING THE PROGRAM ARE GOVERNED SOLELY BY THEIR OWN TERMS; THEIR PRICING, PERFORMANCE, AVAILABILITY, AND CHANGES ARE OUTSIDE SKYFALL'S CONTROL AND CREATE NO LIABILITY OR REFUND RIGHT.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: SKYFALL'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNTS YOU ACTUALLY PAID FOR THE PROGRAM IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; AND SKYFALL SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR LOST PROFITS, REVENUE, DATA, OR BUSINESS INTERRUPTION. WHERE A JURISDICTION LIMITS THESE EXCLUSIONS, THEY APPLY TO THE FULLEST EXTENT PERMITTED.

12. Indemnification

You will indemnify and hold harmless Skyfall and its officers, directors, employees, and contractors from claims and expenses (including reasonable legal fees) arising from your business activities, your violation of law or third-party rights, or your breach of this Agreement.

13. Dispute Resolution — Tiered; Arbitration Where Enforceable; Class Waiver

1. Informal resolution (mandatory first step): written notice to support@skyfallintelligenceagency.com and thirty (30) days' good-faith negotiation before any proceeding.

2. United States purchasers: this Agreement involves interstate commerce, and any dispute shall be finally resolved by confidential binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules (or Consumer Rules where the AAA determines they apply), before a single arbitrator, seated in Miami-Dade County, Florida, conducted in English, governed by the Federal Arbitration Act (9 U.S.C. §1 et seq.). For claims under USD $25,000, arbitration proceeds on documents only unless the arbitrator orders otherwise, and Skyfall will advance the arbitrator's and filing fees, subject to reallocation in the award. Either party may instead bring an individual claim in small-claims court.

3. All other purchasers (business default, per §1.2): disputes are finally resolved by confidential binding arbitration before a single arbitrator in Toronto, Ontario under the ADR Institute of Canada Rules, in English. Cost accessibility: for claims under CAD $25,000, the arbitration shall proceed on documents only unless the arbitrator orders otherwise, and Skyfall will advance the arbitrator's fees and filing fees, subject to reallocation in the award. Either party may instead bring an individual claim in small-claims court.

4. Consumers where arbitration is restricted: if mandatory law in your residence (including the Ontario Consumer Protection Act, for any purchaser deemed a consumer despite §1.2, or Quebec law) renders arbitration unenforceable as to you, disputes shall be heard in the courts of Toronto, Ontario — or your local courts where the law so requires — and the rest of this section survives to the maximum extent.

5. CLASS & JURY WAIVER: all claims proceed individually; class, collective, and representative actions and jury trials are waived to the extent permitted by law.

6. Records: Skyfall preserves, for each purchase: the Agreement version presented (by Contract ID), checkout-page snapshot, checkbox states, IP address, timestamps, and access logs — and both parties may rely on them as evidence of contract formation and Substantive Access.

7. Claims must be commenced within the shorter of the applicable statutory limitation period or, for business purchasers only, one (1) year from accrual.

14. Governing Law; Language

1. US purchasers: the laws of the State of Florida and applicable US federal law govern (the FAA governs arbitrability), excluding conflict-of-laws rules and the CISG. All other purchasers: Ontario law and the federal laws of Canada govern, likewise excluded. Both subject only to mandatory protections of your residence that apply notwithstanding this choice.

2. Language: the parties have expressly requested that this Agreement and all related documents be drawn up in English. Les parties ont expressément demandé que cette convention et tous les documents qui s'y rattachent soient rédigés en anglais. A French version is available on request for Quebec purchasers where required by law.

15. General

1. Severability & reformation: unenforceable provisions are reformed to the minimum extent necessary, or severed, in the affected jurisdiction only; all else stands everywhere.

2. Entire agreement; anti-reliance: this Agreement plus the checkout page are the entire agreement; no marketing statement, webinar, social post, or conversation forms part of it, and each party confirms it does not rely on any representation not recorded here. Nothing in this clause excludes liability for fraud that cannot lawfully be excluded.

3. Amendments: only a written amendment identified by version number binds Skyfall; continued community access after notice of updated community rules constitutes acceptance of those rules (not of price or refund changes, which never apply retroactively).

4. Electronic contracting: your checkbox acceptance and purchase click are your electronic signature (PIPEDA/UECA, ESIGN/UETA, eIDAS).

5. No waiver; assignment: non-enforcement is not waiver; you may not assign; Skyfall may assign to an affiliate or successor.

6. Force majeure; survival: no liability for events beyond reasonable control; §§5–15 survive termination.