YouMultiply Customer Terms of Service

Version 1.0 · Effective Date: 27 May 2026
Published at: youmultiply.com/legal/terms-v1.0

How this Agreement works

These Customer Terms of Service (the "Agreement") govern the purchase of YouMultiply products and services through our website. The Agreement has two parts:

• Common terms (Section 2) apply to every purchase you make from us
• Product-specific terms (Sections 3 onward) apply only to the specific product you purchase

When you purchase a YouMultiply product, you agree to the common terms plus the product-specific terms applicable to that purchase. Other product-specific sections do not apply to your purchase unless you also buy those products.

If any product-specific term conflicts with the common terms, the product-specific term controls for that product only.

This Agreement is separate from, and additional to, our general Terms & Conditions which govern your use of the YouMultiply website. Where this Agreement and the Terms & Conditions address the same topic in conflicting ways, this Agreement controls for matters relating to your purchase.

Acceptance

This Agreement is between Educative Tech LLC, a Delaware limited liability company doing business as YouMultiply ("YouMultiply," "we," "us," "our"), and any individual or entity ("you," "your") who purchases a YouMultiply product or service through our checkout process.

By checking the acceptance box at checkout and completing your purchase, you confirm that you have read, understood, and agree to be bound by this Agreement on behalf of yourself and, where applicable, the entity you represent. You also confirm that you have the authority to bind that entity. The Agreement becomes effective on the date of your purchase (the "Effective Date").

The version of this Agreement applicable to your purchase is the version published at the time of your acceptance. YouMultiply maintains a versioned archive of prior versions; the version that governs your engagement is the version you accepted, regardless of subsequent updates.

You acknowledge that this Agreement was accepted electronically and that such acceptance is legally binding under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Uniform Electronic Transactions Act (UETA), as adopted in Delaware. Your acceptance is recorded by YouMultiply alongside the timestamp, IP address, version of this Agreement, and the specific product purchased.

1. The Products

YouMultiply offers the following products and services through this checkout flow:

1.1 Production Readiness Audit

A structured technical review of an AI-prototyped or vibe-coded software system. Produces a written report with severity-categorized findings, prioritized recommendations, and a verdict. Detailed terms in Section 3.

1.2 Founders' AI Build Masterclass

A one-day in-person masterclass in Cape Town for founders and senior leaders. Detailed terms in Section 4. Includes an optional add-on, the Tuesday Curated Experience, addressed as an addendum in Section 4.

1.3 Multiplication Sprint

A four-week strategic engagement that produces a costed implementation plan for a $100k+ growth initiative. The Sprint is not purchased through this checkout flow. It is contracted through a separate written engagement letter following a Fit Call. The common terms in Section 2 of this Agreement are reflected in that engagement letter; product-specific commercial terms, including price, timeline, scope, deliverables, and the Confidence Guarantee, are addressed there. Section 5 contains a non-binding reference description only.

1.4 Future Products

YouMultiply may introduce additional products and services through this checkout flow. When that happens, YouMultiply will publish updated versions of this Agreement at a new URL (for example, v1.1) with the new product-specific sections added. The version applicable to your purchase remains the version you accepted; future products do not retroactively affect your existing purchase.

Your checkout page, order confirmation, or receipt will identify the product purchased and the product-specific terms applicable to that purchase.

2. Common Terms

The following terms apply to every product purchased under this Agreement.

2.1 Payment

The price of each product is the amount displayed at Stripe Checkout at the time of your purchase. Payment is processed by Stripe and is due in full at the time of purchase. The standard products are purchased through Stripe Checkout. Any invoice, receipt, or tax documentation available through Stripe constitutes the purchase record unless YouMultiply separately agrees otherwise.

All prices are exclusive of any taxes, duties, or government charges that may apply. You are responsible for any such charges in your jurisdiction.

Refunds, where available, are governed by the refund policy in the applicable product-specific section. Refund terms vary by product and are not aggregated or substituted across products.

2.2 Intellectual Property

Your IP remains yours. Your source code, your data, your systems, your business operations, and any intellectual property you disclose to YouMultiply in connection with any purchase remain your sole property. YouMultiply acquires no rights, license, or interest in your intellectual property by virtue of providing any product or service under this Agreement.

Our IP remains ours. YouMultiply's methodologies, frameworks, scoring rubrics, audit tools, masterclass materials, internal templates, internal tools, and any pre-existing know-how remain YouMultiply's sole property. Where YouMultiply provides you with deliverables (such as audit reports, masterclass materials, certificates), those deliverables are subject to the specific terms of the relevant product section, but YouMultiply's underlying methodology and tools are not transferred to you.

2.3 Confidentiality

YouMultiply treats your Confidential Information with care across all engagements under this Agreement.

Your Confidential Information includes, without limitation: your source code, repositories, deployment configurations, infrastructure, architectural details, business operations, customer data, user data, personally identifiable information, financial information, product roadmaps, internal documentation, trade secrets, personnel information, vendor and customer relationships, and any vulnerabilities or weaknesses identified during any engagement.

YouMultiply agrees to:

(a) Hold your Confidential Information in strict confidence.

(b) Use your Confidential Information solely to perform the product or service you purchased.

(c) Protect your Confidential Information using the same degree of care YouMultiply uses to protect its own confidential information of similar nature, and in no event less than a reasonable degree of care.

(d) Not disclose your Confidential Information to any third party except as permitted below.

(e) Not use your Confidential Information for any purpose other than performance of the relevant engagement.

Permitted disclosures. YouMultiply may disclose your Confidential Information to its employees, officers, directors, contractors, and subcontractors who have a legitimate need to know for the purposes of the engagement, provided each such party is bound by written confidentiality obligations no less restrictive than those in this Agreement. YouMultiply may also disclose Confidential Information to professional advisors (legal, financial, or technical) under a duty of confidentiality, and as required by applicable law, regulation, or order of a court or governmental authority, provided that YouMultiply gives you prompt written notice (where legally permitted) and reasonable cooperation in seeking a protective order. YouMultiply remains responsible for its contractors' and subcontractors' compliance with this Agreement.

Exclusions. Confidential Information does not include information that: (a) is publicly known at the time of disclosure, or becomes publicly known through no act or omission of YouMultiply; (b) was lawfully in YouMultiply's possession before disclosure by you, without obligation of confidentiality; (c) is independently developed by YouMultiply without reference to your Confidential Information; or (d) is lawfully obtained from a third party who is not bound by a confidentiality obligation.

Mutual confidentiality. You agree to treat YouMultiply's methodology, frameworks, scoring rubrics, internal tools, non-public pricing, discounts, custom quotes, commercial terms, engagement-specific financial information, and any non-public information shared by YouMultiply during the engagement as confidential and to protect such information with the same care described above. Use of specific deliverables (such as the Audit Report or Masterclass materials) is governed by the relevant product section.

Duration. YouMultiply's obligation to protect your Confidential Information continues:

• For information that constitutes a trade secret (including, without limitation, source code, proprietary algorithms, identified vulnerabilities, and customer data): for so long as such information remains a trade secret under applicable law.
• For all other Confidential Information: for a period of three (3) years following completion or termination of the relevant engagement.

Return or destruction. Upon your written request after completion or termination of the engagement, YouMultiply will return or destroy Confidential Information in its possession that is not reasonably required for legal, compliance, archival, dispute-resolution, insurance, or internal record-retention purposes. YouMultiply may retain deliverables (such as audit reports), notes, workpapers, communications, and related records for up to seven (7) years, provided all retained materials remain subject to this Agreement's confidentiality obligations.

2.4 No Warranty Beyond Specific Deliverables

YouMultiply provides each product with reasonable professional care. However:

(a) Each product is a point-in-time deliverable. Reports, prototypes, and other outputs describe the state of your business, system, or work product as of the date of the engagement. YouMultiply makes no representation or warranty that your business, system, or work product will remain in any particular state at any time after the engagement.

(b) YouMultiply uses commercially reasonable efforts to identify material issues, opportunities, and recommendations within the engagement scope, but does not guarantee comprehensive identification. Software systems, business operations, and strategic decisions all carry uncertainty that no engagement can fully eliminate.

(c) No product offered by YouMultiply constitutes insurance, warranty, indemnity, or guarantee of any outcome in your business or your system. Decisions about whether to act on YouMultiply's recommendations, deploy YouMultiply's prototypes, or apply YouMultiply's methodology remain yours.

(d) YouMultiply is not liable for: security incidents, downtime, data loss, regulatory non-compliance, customer disputes, financial losses, market reception, or any other consequence of your business or system operating in production, whether or not such consequence relates to a recommendation or finding identified or not identified in any deliverable.

(e) YouMultiply makes no representations or warranties, express or implied, including without limitation any warranties of merchantability, fitness for a particular purpose, or non-infringement, except as expressly stated in this Agreement.

2.5 No Legal or Compliance Advice

Some YouMultiply engagements may identify technical, operational, or strategic issues relevant to compliance readiness, including, where applicable and within the scope of the relevant product, issues that touch on GDPR, POPIA, SOC 2, HIPAA, PCI, AI governance, or similar frameworks. YouMultiply does not provide legal, regulatory, accounting, tax, or compliance advice. Observations on compliance-related topics in any YouMultiply deliverable are technical observations, not legal conclusions. You are responsible for consulting qualified legal, regulatory, and compliance professionals regarding your obligations under applicable law.

2.6 Limitation of Liability

To the maximum extent permitted by applicable law:

(a) YouMultiply's total aggregate liability arising out of or relating to your purchase of any specific product under this Agreement, whether in contract, tort, or otherwise, will not exceed the amount paid by you for that specific product. This cap applies on a per-product basis: liability is not aggregated across multiple products you may have purchased. This cap applies to all claims, including breach of contract, breach of confidentiality obligations under Section 2.3, and negligence.

(b) Neither party will be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including without limitation lost profits, lost revenue, lost data, business interruption, or cost of substitute services, arising out of or relating to this Agreement, whether or not the possibility of such damages has been disclosed.

(c) The limitations in this Section 2.6 do not apply to: (i) gross negligence, willful misconduct, or fraud; (ii) infringement of intellectual property rights by intentional act; or (iii) any liability that cannot be limited under applicable law.

2.7 Indemnification

By you. You will defend, indemnify, and hold harmless YouMultiply and its officers, directors, employees, and contractors from any third-party claim arising from: (a) your operation of your business or your system; (b) your breach of this Agreement; (c) your violation of applicable law; or (d) any data, content, or materials you provide to YouMultiply that infringe third-party rights.

By YouMultiply. YouMultiply will defend, indemnify, and hold harmless you and your officers, directors, and employees from any third-party claim arising from YouMultiply's breach of its confidentiality obligations under Section 2.3 or YouMultiply's gross negligence or willful misconduct, subject to the limitations in Section 2.6.

The indemnified party shall promptly notify the indemnifying party of any claim, cooperate in the defense, and not settle without the indemnifying party's consent.

2.8 Term and Termination

This Agreement becomes effective on the Effective Date and continues for each product you purchase until that product's engagement is completed, terminated, or otherwise concluded.

Either party may terminate the engagement for a specific product immediately upon written notice if the other party materially breaches this Agreement in connection with that engagement and fails to cure the breach within ten (10) business days of written notice.

YouMultiply may terminate an engagement if you fail to fulfill your obligations as described in the relevant product section, in which case the refund provisions of that product section apply.

The following sections survive termination: Section 2.2 (Intellectual Property), Section 2.3 (Confidentiality), Section 2.4 (No Warranty), Section 2.5 (No Legal Advice), Section 2.6 (Limitation of Liability), Section 2.7 (Indemnification), Section 2.9 (Governing Law and Dispute Resolution), and Section 2.11 (General Provisions).

2.9 Governing Law and Dispute Resolution

This Agreement is governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-laws principles.

Mediation first. Any dispute arising out of or relating to this Agreement shall first be submitted to non-binding mediation. The parties shall jointly select a mediator within thirty (30) days of either party's written request for mediation. The cost of mediation is shared equally between the parties.

Binding arbitration. If the dispute is not resolved within sixty (60) days of the commencement of mediation, either party may submit the dispute to binding arbitration administered by JAMS. For disputes within the monetary limits of JAMS Streamlined Arbitration Rules and Procedures, those rules shall apply. Otherwise, JAMS Comprehensive Arbitration Rules and Procedures apply. The arbitration shall be conducted in English, by a single arbitrator, with the seat of arbitration in Wilmington, Delaware (or such other location as the parties may mutually agree, including remote proceedings). Judgment on the arbitration award may be entered in any court of competent jurisdiction.

Small claims. Notwithstanding the foregoing, either party may bring an individual claim in small claims court where permitted by the court's jurisdictional rules.

Equitable relief. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction without first proceeding through mediation or arbitration, particularly in respect of confidentiality or intellectual property obligations.

No class actions. All disputes must be brought in an individual capacity. The parties waive any right to participate in a class, collective, or representative action.

2.10 Relationship to Website Terms

This Agreement is additional to YouMultiply's general Terms & Conditions, which govern your use of the YouMultiply website itself. The Terms & Conditions apply to all visitors to youmultiply.com. This Agreement applies specifically to your purchase. Where this Agreement and the Terms & Conditions address the same topic in conflicting ways, this Agreement controls for matters relating to your purchase.

Specifically, in the event of conflict:

• The dispute resolution mechanism in Section 2.9 of this Agreement (JAMS arbitration) controls for disputes relating to your purchase, notwithstanding the AAA arbitration provision in the Terms & Conditions
• The limitation of liability in Section 2.6 of this Agreement controls for purchases, notwithstanding the broader liability provision in the Terms & Conditions
• The confidentiality provisions in Section 2.3 of this Agreement supplement, but do not replace, the IP and acceptable-use provisions in the Terms & Conditions

For matters not addressed in this Agreement (such as acceptable use of the website, idea submission, or website-specific intellectual property), the Terms & Conditions continue to apply.

2.11 General Provisions

Definitions. "Business day" means Monday through Friday, excluding federal holidays observed in the United States.

Entire Agreement. This Agreement, together with the Terms & Conditions where applicable per Section 2.10, constitutes the entire understanding between the parties regarding your purchase and supersedes all prior agreements, communications, and understandings on the subject of your purchase.

Order of precedence. In the event of conflict between this Agreement and marketing materials, website copy, FAQs, emails, or other non-contractual communications, this Agreement controls unless expressly stated otherwise in a written amendment acknowledged by both parties.

No verbal modifications. Any modification of this Agreement must be in writing and acknowledged by both parties. Verbal statements, marketing materials, or other communications do not modify this Agreement.

Severability. If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to be enforceable while preserving its intent.

Waiver. No waiver of any provision of this Agreement is effective unless in writing. No waiver of any breach constitutes a waiver of any other breach.

Assignment. You may not assign this Agreement without YouMultiply's prior written consent. YouMultiply may assign this Agreement to a successor in connection with a merger, acquisition, or sale of substantially all of its assets.

Notices. Notices to YouMultiply shall be sent to the email address designated on youmultiply.com for legal notices, or to YouMultiply's principal place of business as registered with the Delaware Division of Corporations. Notices to you shall be sent to the email address provided at the time of purchase.

Independent contractors. YouMultiply and you are independent contractors. This Agreement does not create any partnership, joint venture, agency, or employment relationship.

No third-party beneficiaries. This Agreement is for the exclusive benefit of the parties and creates no rights or remedies in any third party.

Force majeure. Neither party is liable for delays or failures in performance caused by events beyond its reasonable control, including without limitation natural disasters, acts of war, government actions, internet outages, or pandemic-related restrictions.

Sanctions and export compliance. You represent that you are not subject to sanctions or export restrictions that would prohibit YouMultiply from providing products or services to you, and that you will not use YouMultiply's products, services, or deliverables in violation of applicable export control or sanctions laws.

Consumer rights savings. Nothing in this Agreement limits any rights you may have under applicable consumer protection laws that cannot be waived or limited by contract.

Headings. Section headings are for convenience only and do not affect interpretation.

3. Production Readiness Audit — Product-Specific Terms

This Section 3 applies if you purchase the Production Readiness Audit. It supplements the common terms in Section 2.

3.1 The Audit

The Audit is a structured technical review of a software application or system designated by you (the "System") at the time of purchase. The Audit examines the System against YouMultiply's defined audit framework covering security, stability, operational readiness, performance, data handling, compliance, and architecture.

The Audit produces a written report (the "Report") delivered to you, containing:

• Findings categorized by severity
• Prioritized recommendations for remediation
• A clear verdict: production-ready with hardening, needs significant remediation, or recommend rebuild
• Where appropriate, a quote for an optional remediation or hardening engagement

The Report is delivered electronically to the email address or workspace designated by you. YouMultiply will also provide a one-hour walkthrough call to discuss findings and answer your questions.

For a period of fourteen (14) calendar days following Report delivery, you may submit up to ten (10) clarifying questions about Report findings via email, with responses provided within two (2) business days. Questions outside this scope, or beyond this window, fall outside the Audit and may be addressed through a separate engagement.

3.2 Scope

The Audit covers a codebase up to approximately 10,000 lines of code in a single primary application. Where your System exceeds this scope, you and YouMultiply will scope and quote the engagement separately before work begins. If you purchase the standard Audit and your System materially exceeds the scope cap, YouMultiply may, at its discretion: (a) proceed with a partial audit covering the most material portions of the System and clearly noting the scope limitation in the Report; (b) propose a revised scope and price; or (c) refund the purchase and decline the engagement.

The Audit identifies issues. It does not fix them. Remediation may be undertaken by your own team or commissioned from YouMultiply through a separate Audit + Hardening engagement.

The Audit does not include penetration testing, exploit development, destructive testing, load testing, social engineering, or live production changes unless expressly agreed in writing.

3.3 Your Obligations

To enable YouMultiply to deliver the Audit, you agree to:

(a) Provide repository access and reasonable read-only access to deployment, hosting, infrastructure, observability, or configuration materials necessary for the Audit, within five (5) business days of purchase. The Audit's seven-business-day delivery clock begins when access is granted.

(b) Designate a single point of contact for questions and clarifications during the Audit.

(c) Be available for the one-hour walkthrough call at a mutually agreed time within ten (10) business days of Report delivery.

(d) Provide accurate information about your System, its intended use, and any specific concerns you want the Audit to address.

Client Materials and Access. You are responsible for ensuring that you have all rights, permissions, and authority necessary to provide YouMultiply with access to the System, repositories, infrastructure, documentation, credentials, data, and other materials made available for the Audit. You represent that providing such access does not violate applicable law, third-party rights, contractual obligations, or privacy obligations.

You should provide only the access and materials reasonably necessary for the Audit, using read-only and least-privilege permissions where practicable. You should not provide live personal data, regulated data, or customer data unless reasonably necessary for the Audit. Credentials, secrets, tokens, and keys should be provided only through secure, access-controlled means and should be rotated or revoked after the Audit where practicable.

Unless expressly agreed in writing, YouMultiply will not modify source code, deploy code, alter infrastructure, conduct destructive testing, perform penetration testing, access live customer data, or make changes to production systems. YouMultiply is not responsible for delay, incomplete findings, or inability to perform caused by incomplete, inaccurate, unavailable, or restricted access; by unavailable personnel; by unclear scope; by authentication issues; by third-party service outages; or by other dependencies outside YouMultiply's reasonable control.

If you fail to provide the access described in this Section 3.3 within thirty (30) calendar days of purchase, YouMultiply may close the engagement without delivery and the purchase becomes non-refundable except as provided in Section 3.6.

3.4 Timeline

YouMultiply will deliver the Report within seven (7) business days of access being granted to your System. Where access setup, scope clarification, or other client-side dependencies cause delay, the delivery clock is paused for the duration of the delay.

Where YouMultiply's own capacity requires a scheduled audit window, you will be notified of the scheduled start date at the time of purchase. The seven-business-day clock begins on the scheduled start date or the date of access grant, whichever is later.

3.5 Price

The price of the Audit is the amount displayed at Stripe Checkout at the time of your purchase ($6,500 USD as of Version 1.0 of this Agreement).

3.6 Refund Policy

YouMultiply offers the following refund guarantee for the Audit:

If the Report does not identify any materially actionable findings that would reasonably improve the production readiness, security, stability, performance, data handling, technical compliance readiness, or architecture of your System, you may request a full refund within fourteen (14) calendar days of Report delivery. The request must be made in writing to YouMultiply via email.

YouMultiply will review the request in good faith against the Report, the stated audit framework, and the scope of the engagement. YouMultiply's determination will be reasonable and documented. Where the request is granted, YouMultiply will refund the full purchase price within ten (10) business days. Refunds of the Audit purchase price under this Section 3.6 are not subject to processing fees.

For clarity:

• "Materially actionable findings" means findings that identify specific risks, weaknesses, gaps, or improvements that a reasonable technical team could act upon to improve the System's production readiness. These may include findings categorized as critical, high, medium, or systemic; verdicts of "needs significant remediation" or "recommend rebuild"; or other observations that identify specific technical or operational improvements reasonably within the scope of the Audit.
• The fact that you have already mitigated some issues yourself does not negate findings that the Report identifies independently.
• Refunds are not available where the Report identifies materially actionable findings but you choose not to act on them.
• Refunds are not available where the engagement is closed due to your failure to provide access as described in Section 3.3.
• Refunds are not available for any clarifying-question period beyond Report delivery.
• Refunds are not available solely because the Audit is limited in scope where your System materially exceeds the standard Audit scope and YouMultiply has clearly noted the limitation in the Report.

If you cancel before YouMultiply has begun the Audit (i.e., before access has been granted and work has commenced), you receive a full refund without processing fees.

3.7 Report Use

The Report is yours. Subject to YouMultiply's ownership of its pre-existing materials, templates, methodology, tools, frameworks, and know-how, the final Report delivered to you is yours to use within your organization for any lawful purpose. You may share the Report privately with your team, investors, board, advisors, contractors, and other business stakeholders. You may not publicly publish, quote, excerpt, summarize for marketing purposes, or use YouMultiply's name, marks, or conclusions in public promotional materials without YouMultiply's prior written consent.

No third-party reliance. The Report is prepared solely for your internal business use in connection with the System reviewed. You may share the Report as permitted above, but no third party is entitled to rely on the Report. YouMultiply owes no duty and assumes no liability to any investor, advisor, customer, vendor, acquirer, insurer, regulator, or other third party based on the Report or the Audit.

4. Founders' AI Build Masterclass — Product-Specific Terms

This Section 4 applies if you purchase a seat in the Founders' AI Build Masterclass. It supplements the common terms in Section 2.

4.1 The Masterclass

The Founders' AI Build Masterclass (the "Masterclass") is a one-day in-person intensive in Cape Town, South Africa. The Masterclass is led by Louis Barry or other senior YouMultiply leaders, alongside veteran software engineers, and is designed for founders and senior leaders.

By purchasing a seat, you are reserving a place for one named attendee for a specific cohort. Each cohort has a published date, venue, and seat count. Your purchase confirmation will identify the specific cohort to which your seat applies.

If an entity purchases a seat for an attendee, the purchasing entity is responsible for ensuring that the attendee complies with this Agreement.

4.2 What's Included

Your seat purchase includes:

• Attendance at the full Masterclass day (typically 08:30 to 17:30)
• All on-site catering (breakfast, working lunch, refreshments)
• The Monday evening cohort dinner
• Masterclass materials and a certificate of attendance
• Access to facilitators and senior engineers throughout the day
• The opportunity to build a working prototype of a workflow from your own business with senior engineer review

Your seat purchase does not include:

• Flights to or from Cape Town
• Accommodation (YouMultiply may provide accommodation guidance and partner-rate options separately at its own discretion)
• Optional activities outside the Masterclass day, except the Tuesday Curated Experience addressed in Section 4.12
• Any post-Masterclass engagements, advisory, or follow-up work (which, if desired, are addressed through separate YouMultiply offerings)

The Masterclass is educational and practical in nature. While attendees will have the opportunity to build a prototype or workflow during the day, YouMultiply does not guarantee that any attendee will complete a production-ready prototype, working application, or commercially usable asset. Outcomes depend on attendee preparation, technical environment, use case complexity, third-party tools, and time constraints.

4.3 Your Obligations

To enable YouMultiply to deliver the Masterclass effectively, you agree to:

(a) Arrive at the Masterclass venue on the designated date prepared to participate for the full day.

(b) Bring a laptop suitable for the day's hands-on prototyping work (specific requirements communicated at registration).

(c) Provide any dietary, accessibility, or other accommodation requirements at least seven (7) days before the Masterclass date.

(d) Comply with the venue's policies, accommodation partner's policies where applicable, and YouMultiply's reasonable cohort guidelines.

(e) Treat fellow cohort attendees, facilitators, and venue staff with respect. YouMultiply reserves the right to remove any attendee whose conduct materially disrupts the Masterclass experience for others, without refund.

4.4 Event Logistics, Safety, and Third-Party Providers

You are responsible for your own travel arrangements, accommodation, visas, insurance, health, safety, personal belongings, and compliance with applicable laws while attending the Masterclass or any related activities. You agree to follow reasonable safety instructions from YouMultiply, the venue, transport providers, and activity providers.

YouMultiply may use third-party venues, accommodation partners, caterers, transport providers, guides, software providers, and activity providers in connection with the Masterclass or Tuesday Curated Experience. YouMultiply is not responsible for acts, omissions, policies, or service failures of third-party providers except to the extent required by applicable law or caused by YouMultiply's gross negligence or willful misconduct.

YouMultiply may make reasonable changes to the agenda, schedule, venue, facilitators, engineers, catering, or format where necessary, provided the overall nature and value of the Masterclass are not materially reduced.

YouMultiply is not responsible for loss, theft, injury, illness, travel disruption, or other personal expenses except to the extent caused by YouMultiply's gross negligence or willful misconduct.

4.5 Photography and Recordings

YouMultiply may take photographs, video recordings, or audio recordings during the Masterclass or related cohort activities for internal, educational, or promotional purposes. You may opt out of identifiable promotional use by notifying YouMultiply in writing before the Masterclass.

YouMultiply will not use your name, company name, testimonial, or case study in promotional materials without your consent.

4.6 Third-Party Tools and Software

The Masterclass may involve use of third-party software, AI tools, development tools, APIs, or platforms. You are responsible for maintaining any required accounts, subscriptions, credentials, and compliance with third-party terms unless YouMultiply expressly states otherwise.

YouMultiply is not responsible for outages, changes in functionality, changes in pricing, or other issues with third-party tools that may affect the Masterclass experience.

4.7 Price

The price of a Masterclass seat is the amount displayed at Stripe Checkout at the time of your purchase ($3,000 USD per seat for the pilot cohort as of Version 1.0 of this Agreement; subsequent cohorts at $4,000 USD).

4.8 Refund Policy

Refunds for the Masterclass are available as follows:

Full refund up to 30 days before the Masterclass date. If you request a refund in writing more than thirty (30) calendar days before the Masterclass date, YouMultiply will refund the purchase price less a ten percent (10%) processing fee, where permitted by applicable law, within ten (10) business days. The processing fee covers payment processor costs and administrative overhead.

No cash refund within 30 days of the Masterclass. If you request a refund less than thirty (30) calendar days before the Masterclass date, the seat purchase is non-refundable in cash, but you may transfer your seat as described in Section 4.9.

YouMultiply-initiated cancellation or rescheduling. YouMultiply may cancel or reschedule a Masterclass cohort if minimum attendance is not met, if key personnel are unavailable, if the venue becomes unavailable, or if YouMultiply reasonably determines that the cohort cannot be delivered as planned.

• If YouMultiply cancels a cohort and does not offer a rescheduled date, you will receive a full refund of the seat purchase price within ten (10) business days, without processing fees.
• If YouMultiply reschedules the cohort and you cannot attend the new date, you may transfer your seat to a future cohort or request a full refund without processing fees.
• YouMultiply is not responsible for non-refundable flights, accommodation, or other travel costs you may have incurred.

Force majeure. If the Masterclass cannot be held on the scheduled date due to circumstances beyond either party's reasonable control (natural disasters, government restrictions, venue unavailability for force majeure reasons, etc.), YouMultiply will reschedule the cohort to a future date. If you cannot attend the rescheduled date, you may transfer your seat to a future cohort, subject to availability, or to a colleague (per Section 4.9). If YouMultiply does not offer a rescheduled cohort within twelve (12) months of the original date, you may request a refund of the seat purchase price less unrecoverable third-party costs actually incurred by YouMultiply in connection with your seat, where permitted by applicable law.

4.9 Transfer

Within thirty (30) days of the Masterclass date, your seat is non-refundable in cash but is transferable. You may:

• Transfer your seat to a different named attendee (your colleague, your co-founder, or another individual you nominate) at no additional charge
• Transfer your seat to a future YouMultiply cohort (subject to availability and any applicable price differential)

Transfer requests must be made in writing at least three (3) business days before the Masterclass date.

4.10 Masterclass Materials Use

Subject to YouMultiply's ownership of its methodology, frameworks, tools, and pre-existing materials, you may use the Masterclass materials within your organization for internal business, learning, and implementation purposes. You may not publish, resell, sublicense, distribute externally, or use the materials to create or deliver a competing product, service, course, workshop, or training without YouMultiply's prior written consent.

4.11 Cohort Confidentiality

During the Masterclass, attendees may hear business, product, operational, founder, or other non-public information shared by other attendees. You agree not to disclose another attendee's non-public information outside the cohort without that attendee's permission.

YouMultiply cannot guarantee that other attendees will maintain confidentiality and encourages attendees not to share information they are not comfortable discussing in a group setting.

4.12 Addendum: Tuesday Curated Experience

The Tuesday Curated Experience is an optional add-on for Masterclass attendees. It is a half-day curated experience in Cape Town organized by YouMultiply for the cohort on the day following the Masterclass.

Eligibility. The Tuesday Curated Experience is only available to attendees who have purchased a Masterclass seat for the relevant cohort. It is not available as a standalone product. The Tuesday Curated Experience may be transferred only together with the related Masterclass seat unless YouMultiply agrees otherwise in writing.

Activation. The Tuesday Curated Experience runs subject to a minimum number of attendees per cohort. If the minimum is not reached, YouMultiply may cancel the experience for that cohort and refund the Tuesday Curated Experience purchase price in full, without processing fees, without affecting or refunding the underlying Masterclass seat.

Price. The price of the Tuesday Curated Experience is the amount displayed at Stripe Checkout at the time of your purchase ($1,250 USD as of Version 1.0 of this Agreement).

Refund Policy. The refund policy in Section 4.8 applies to the Tuesday Curated Experience in the same way it applies to the Masterclass seat, including the 10% processing fee on refunds outside the 30-day window. Where YouMultiply cancels the Tuesday Curated Experience under the Activation provision above, the refund is full and not subject to processing fees.

Other terms. All other common terms in Section 2 and Masterclass-specific terms in Sections 4.1 through 4.11 apply to the Tuesday Curated Experience to the extent relevant.

Physical activity and personal responsibility. The Tuesday Curated Experience may involve walking tours, outdoor excursions, transport, wine farm visits, or other physical activities depending on the curated option selected. You are responsible for determining whether you are physically able to participate in any optional activity. YouMultiply does not provide medical supervision and is not responsible for your decision to participate in any activity except to the extent caused by YouMultiply's gross negligence or willful misconduct.

5. Multiplication Sprint — Reference

The Multiplication Sprint is a four-week strategic engagement priced at $47,500 USD or $61,000 USD depending on the on-site week location, as published on the Multiplication Sprint page. The Sprint is not purchased through the Stripe Checkout flow that this Agreement governs.

If you are interested in a Multiplication Sprint, you will engage with YouMultiply through a Fit Call, after which YouMultiply will provide a separate written engagement letter ("Engagement Letter"). The Engagement Letter incorporates the common terms in Section 2 of this Agreement (or equivalent terms) and adds Sprint-specific terms including:

• The specific scope of the engagement
• The on-site week location and dates
• The deliverables (opportunity map, validated solution concept, 90-day roadmap, investment case)
• The Confidence Guarantee
• Payment terms and schedule
• Cancellation and refund provisions specific to the Sprint

The descriptions and prices in this Section 5 are non-binding summaries for reference only and may change. Any description of the Sprint in this Section 5 is informational only and does not create an obligation for YouMultiply to offer the Sprint on those terms. The Engagement Letter controls.

This Section 5 is for reference only. If you receive an Engagement Letter, the terms of that letter (together with the common terms it incorporates) govern your Sprint engagement.

Contact

For questions about this Agreement, before or after purchase, contact YouMultiply at the email address designated on youmultiply.com for legal inquiries, or via the contact page at youmultiply.com/contact.

For questions about a specific engagement after purchase, contact your assigned YouMultiply engagement lead or reply to the order confirmation email from Stripe.

This Customer Terms of Service Version 1.0 will be archived at youmultiply.com/legal/terms-v1.0 and remains accessible at that URL regardless of subsequent versions published. The version applicable to a specific purchase is the version published at the time of that purchase, recorded in the purchase record.

Published in tandem with YouMultiply's general Terms & Conditions, which govern use of the YouMultiply website.