Effective date: July 17, 2026

Last updated: July 17, 2026

1. Agreement to these Terms

These Terms and Conditions, including the Conditions of Use and Community Standards below (collectively, the "Terms"), form a binding agreement between you and CAPITAL FUNDS LLC, doing business as AI Operator Academy and, where applicable, ReturnMyTime ("AOA," "we," "us," or "our").

These Terms govern your access to and use of aoa.community, the AI Operator Academy, its private community, curriculum, templates, skills, resources, recordings, office hours, workshops, communications, and related services (collectively, the "Services").

By visiting the website, submitting an application, purchasing, creating an account, or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not purchase or use the Services.

If you purchase or use the Services for a company or another organization, you represent that you have authority to bind that organization. "You" then includes both you and that organization.

2. Eligibility

You must be at least 18 years old and legally able to enter a contract. You may not use the Services if applicable law prohibits you from doing so, if we previously terminated your access for cause, or if you provide materially false information.

3. What the Academy provides

The AI Operator Academy is a private, annual membership designed for non-technical operators who want to package, sell, and fulfill AI-related services. The current offer may include:

• training on the Audit, Optimize, Automate method;

• the AI Assessment Playbook;

• the AI Concierge model;

• voice-agent and other implementation resources;

• client-discovery and pricing resources;

• a resource vault;

• two live office hours per month;

• one live workshop per month;

• access to a session archive; and

• community participation and support.

The exact curriculum, schedule, instructors, platforms, features, and resources may evolve. We may add, update, replace, reschedule, or remove content when reasonably necessary to improve the program, maintain security, comply with law, or respond to vendor and market changes. We will not use this right to deprive paid members of the core value of the membership without a reasonable remedy.

4. Account registration and security

You must provide accurate, current information and keep it updated. Your account is personal to you unless your checkout expressly authorizes multiple seats. You may not share login credentials, allow unauthorized access, sell or transfer your account, or use another person's account.

You are responsible for activity under your account and for securing your credentials. Notify us promptly at [email protected] if you suspect unauthorized access. We may require identity or purchase verification before changing account access.

Access may depend on third-party platforms such as Skool. You must also comply with applicable third-party terms. Platform downtime or a vendor decision may require us to move, replace, or modify how the Services are delivered.

5. Fees, billing, taxes, and renewal

5.1 Price

The currently advertised membership price is $999 per year, subject to the checkout page, any lawfully offered promotion, and applicable taxes. The amount and billing terms displayed at checkout control your purchase.

5.2 Payment authorization

You authorize us and our payment processor to charge the payment method you provide for the amount displayed at checkout, including applicable taxes. You represent that you are authorized to use that payment method.

5.3 Automatic annual renewal and cancellation

Your membership automatically renews for successive one-year terms until canceled. Skool maintains the subscription and processes recurring payments as the payment intermediary. By subscribing, you authorize Skool and its payment providers to charge the payment method associated with your account at the start of each renewal term for the renewal price and applicable taxes disclosed to you.

You may cancel at any time before the next renewal charge by:

1. selecting Cancel subscription in the Memberships tab of your Skool user settings;

1. contacting AOA at [email protected]; or

1. contacting Skool at [email protected].

Cancellation stops future renewal charges. Unless the 90-day guarantee or applicable law provides otherwise, you will retain access through the end of the paid term and will not receive a prorated refund for the unused portion of that term. We will provide renewal reminders, price-change notices, and other disclosures when required by applicable law. If a renewal price increases, the new price will not be charged until you receive any notice and opportunity to cancel required by law.

5.4 Taxes and failed payments

You are responsible for taxes we are legally required to collect or that otherwise apply to your purchase. If a charge fails, we may retry the payment, request another method, pause access, or cancel the membership after reasonable notice.

5.5 Price changes

We may change pricing for future purchases or renewals. A price change will not alter a fully paid current term. For automatic renewals, we will provide advance notice when required.

6. 90-day first-paying-client guarantee

The current offer is: "Land your first paying AI client in 90 days or every penny back." This is a limited refund guarantee governed by the requirements below.

6.1 Eligibility

The guarantee is available to a new member who did not already have a paying AI-services client when the member purchased the Academy. The 90-day period begins on the date the member first receives access to the Skool community after a successful initial payment.

To qualify, the member must complete all of the following within that 90-day period:

1. work through the AI Assessment Playbook materials made available during the period;

1. attend at least two live AOA office-hour sessions; and

1. make bona fide pitches for an AI Assessment to at least three separate prospective clients.

A "bona fide pitch" is a genuine, individualized offer communicated to an independent prospective client with a clear scope and an opportunity to purchase. A mass email, test submission, self-dealing transaction, or pitch to the member's own business or an entity under common control does not qualify.

A "paying AI client" is an independent third party who agrees to purchase and makes a non-refunded payment for an AI Assessment or another AI-related service offered by the member. A new AI-services purchase by an existing non-AI client may qualify. Free work, barter alone, internal work, affiliate commissions, and payments from the member or a related party do not qualify.

6.2 How to request a guarantee refund

If the member completes all three required actions and does not land a paying AI client within the 90-day period, the member must email [email protected] within 30 calendar days after the period ends. The subject line must be "90-Day Guarantee Request." The request must include:

• the member's name and Skool account email;

• confirmation that the AI Assessment Playbook was completed;

• the dates of at least two live office hours attended;

• reasonable evidence of three qualifying pitches, with confidential third-party information redacted where practical; and

• a certification that the member did not receive a qualifying client payment during the 90-day period.

AOA may request reasonably necessary clarification or verification, but will not require unnecessary confidential client information. An approved claim refunds the membership fees actually paid for the initial Academy term to the original payment method, excluding third-party costs, currency-conversion charges, or other expenses not paid to AOA. AOA will initiate an approved refund within 10 business days, after which the payment provider's processing time controls.

The guarantee is unavailable for a fraudulent or materially misleading claim, a duplicate or transferred account, a member who already had a paying AI-services client when joining, a material breach of these Terms, or a payment that has already been refunded, reversed, or charged back. AOA will apply the guarantee in good faith and will not deny an otherwise valid claim for a minor, immaterial documentation issue that can reasonably be corrected.

Unless another written refund right is displayed at checkout or required by law, fees are otherwise non-refundable after access is provided. This guarantee is a refund eligibility policy, not a promise of earnings, revenue, profit, or any other business result.

7. Earnings, business results, and testimonial disclaimer

AOA provides education, community, tools, and examples. We do not guarantee income, clients, sales, profit, savings, business growth, or any specific result, except the limited refund eligibility described in Section 6.

Income figures, effective hourly rates, revenue amounts, client counts, testimonials, and member stories describe specific experiences. They are not typical results and are not promises or predictions. Your results depend on factors including effort, experience, skills, offer quality, pricing, market conditions, sales activity, client demand, costs, compliance, and factors outside anyone's control.

You are responsible for evaluating your own business decisions. You should not purchase the Academy using money you cannot afford to spend or based on an expectation that the purchase will pay for itself.

8. Educational information, not professional advice

The Services are educational and informational. They do not provide legal, tax, accounting, financial, investment, employment, cybersecurity, medical, or other regulated professional advice. Examples, templates, scripts, pricing methods, AI outputs, and discussions must be adapted and reviewed for your circumstances.

You remain responsible for your offers, contracts, pricing, claims, taxes, licenses, client work, data practices, AI use, and compliance. Consult qualified professionals when needed.

9. AI-specific conditions

AI systems can produce inaccurate, incomplete, biased, outdated, infringing, or unsafe output. You must review and test output before using it with a client or the public.

You may not use the Services or Academy resources to:

• impersonate a person deceptively;

• create unlawful discrimination, fraud, harassment, or manipulation;

• generate or distribute illegal, infringing, defamatory, or harmful material;

• make automated high-impact decisions about employment, housing, credit, insurance, education, healthcare, or legal services without required safeguards and professional review;

• process client confidential information or personal data without authority, notices, contracts, and security appropriate to the use; or

• violate a model provider's terms, intellectual-property rights, privacy rights, consumer-protection law, marketing law, or professional rules.

You are responsible for documenting vendor choices, obtaining client authorization, limiting data, checking output, securing credentials, and maintaining human oversight.

10. Conditions of Use and Community Standards

You agree to use the Services professionally, lawfully, and in a way that protects the community.

10.1 Respectful conduct

Do not harass, threaten, bully, stalk, discriminate against, exploit, or abuse another person. Do not post hateful, sexually explicit, violent, or deliberately disruptive content. Good-faith disagreement is allowed. Personal attacks and repeated bad-faith disruption are not.

10.2 No spam or improper solicitation

Do not send unsolicited bulk messages, scrape member information, add members to marketing lists without consent, run deceptive promotions, or pressure members into unrelated purchases. Reasonable peer collaboration and relevant offers may be allowed in spaces designated by AOA.

10.3 Privacy and confidentiality

Treat non-public member information, community discussions, live-session content, and shared business examples as confidential. Do not record, screenshot, copy, publish, or distribute another member's identifying information, post, message, voice, image, client information, or business material without permission.

10.4 No harmful or unlawful activity

Do not introduce malware, bypass security, probe systems, interfere with service, access data without authorization, commit fraud, infringe rights, or use the Services for illegal activity.

10.5 Accurate identity and claims

Do not misrepresent your identity, experience, credentials, relationship with AOA, client results, or the source of materials. Do not claim to be employed, certified, endorsed, or authorized by AOA unless we have granted that status in writing.

10.6 Client and third-party data

Use anonymized examples whenever possible. Do not upload another person's personal information, confidential client material, credentials, regulated information, or proprietary data unless you have authority and the destination tool is approved for that data.

10.7 Moderation

We may investigate reported conduct and take proportionate action, including a warning, content removal, feature restriction, temporary suspension, or termination. We may act immediately when reasonably necessary to protect people, systems, legal compliance, or the integrity of the community. Except in urgent or severe cases, we may provide notice and an opportunity to respond.

11. Ownership of AOA materials

The Services, curriculum, methods, text, videos, recordings, templates, prompts, skills, software, graphics, branding, and other materials provided by AOA are owned by AOA or its licensors and protected by intellectual-property law. "AI Operator Academy," "AOA," the Audit, Optimize, Automate framework and related branding, and associated logos may be trademarks or proprietary identifiers.

Except for the limited license below, no rights are transferred to you.

12. Member license and permitted client use

During an active paid term, AOA grants you a limited, revocable, non-exclusive, non-transferable license to access and use Academy materials for your own learning and internal business use.

Where a resource is expressly designed for client delivery, you may adapt and use that resource to provide your own services to your own clients. This client-use permission does not allow you to:

• resell, sublicense, publish, or distribute Academy curriculum or recordings;

• create a competing course, membership, resource library, or certification from Academy materials;

• share source files or member-only links outside your authorized account;

• copy substantial portions of the Academy into another platform or AI knowledge base for redistribution;

• remove ownership, copyright, or trademark notices;

• imply that your service is operated, certified, guaranteed, or endorsed by AOA; or

• register confusingly similar names, domains, marks, or accounts.

If a specific resource includes different license terms, those terms control that resource. AOA may label downloadable resources as personal use, permitted client-use template, or separately licensed, and the displayed label controls permitted use.

13. Your content

You retain ownership of content you submit, subject to rights you grant below. You represent that you have the rights and permissions needed to submit it and that it does not violate law or another person's rights.

You grant AOA a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, and process your content only as reasonably necessary to operate, secure, support, and improve the Services and to comply with law. This operational license ends when the content is deleted from active systems, subject to reasonable backup, recordkeeping, and legal retention.

AOA may not use your name, image, voice, testimonial, or identifiable results in public advertising without separate permission where required. If we ask for a testimonial release, the release should disclose the intended media, duration, editing rights, compensation if any, and how permission may be withdrawn for future use.

14. Feedback

If you provide suggestions or feedback about the Services, you grant us permission to use it without restriction or compensation, provided we do not publicly identify you as the source without permission.

15. Live events and recordings

AOA may record live office hours, workshops, and other Academy sessions and post those recordings within the private Skool community for current and future authorized members. Recording notice will be provided in the invitation, session page, or at the beginning of the session. By choosing to speak, appear on camera, share your screen, or post in the recorded chat after notice, you authorize AOA to capture that contribution and include it in the Skool member archive, subject to applicable law.

If you do not want to be captured, keep your camera and microphone off, avoid sharing identifying information in the recorded chat, and contact the host before the session if you need an alternative. AOA will obtain separate permission before using your name, image, voice, testimonial, or identifiable results in public advertising or promotional content where required.

16. Third-party services

The Services may rely on third parties such as Skool, GoHighLevel/LeadConnector, Stripe, Vidalytics, Cloudflare, email and communications providers, scheduling services, and AI tools. Third-party services are governed by their own terms and privacy policies. We are not responsible for a third party's independent acts, availability, changes, or content.

We may replace a provider or delivery platform when reasonably necessary. You are responsible for any third-party account, subscription, or usage fee that the offer does not expressly include.

17. Suspension and termination

You may stop using the Services at any time. Cancellation and refund consequences are governed by Sections 5 and 6.

We may suspend or terminate access if you materially violate these Terms, fail to pay, create legal or security risk, abuse members or staff, infringe rights, or misuse Academy materials. For a curable issue, we may provide a reasonable opportunity to cure. We may act immediately for fraud, threats, serious harassment, unlawful conduct, credential sharing, security abuse, or substantial intellectual-property misuse.

If we terminate without cause during a prepaid term and do not provide a reasonable substitute, we will provide a fair remedy, which may include continued access, transfer, or a prorated refund. If we terminate for your material breach, fees are not refundable except as required by law.

Upon termination, your access to member-only materials, community spaces, and future sessions ends. Sections intended by their nature to survive will survive, including ownership, restrictions, disclaimers, liability limits, indemnity, dispute terms, and payment obligations.

18. Copyright complaints

If you believe content in the Services infringes your copyright, send a notice to [email protected] containing:

• your contact information;

• identification of the copyrighted work;

• identification and location of the allegedly infringing material;

• a good-faith statement that the use is not authorized;

• a statement under penalty of perjury that the notice is accurate and you are authorized to act; and

• your physical or electronic signature.

We may remove content and address repeat infringement as required by applicable law. Counsel should determine whether AOA should register a DMCA agent.

19. Service availability and changes

We aim to provide reliable access but do not guarantee uninterrupted or error-free operation. Maintenance, internet failures, platform outages, security events, instructor availability, force majeure, or vendor changes may affect the Services. We will use reasonable efforts to communicate material interruptions and provide a reasonable substitute when practical.

20. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." AOA DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

AOA DOES NOT WARRANT THAT THE SERVICES, MATERIALS, AI OUTPUTS, OR THIRD-PARTY TOOLS WILL BE ACCURATE, COMPLETE, SECURE, CURRENT, UNINTERRUPTED, OR SUITABLE FOR YOUR PARTICULAR CLIENT OR BUSINESS.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO SOME OF THIS SECTION MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS A NON-WAIVABLE CONSUMER RIGHT.

21. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AOA AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, INSTRUCTORS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, GOODWILL, CLIENTS, OR BUSINESS OPPORTUNITIES, ARISING FROM OR RELATED TO THE SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AOA'S TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID TO AOA FOR THE AFFECTED SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

THESE LIMITS DO NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE LIMITED, WHICH MAY INCLUDE FRAUD, WILLFUL MISCONDUCT, GROSS NEGLIGENCE, OR CERTAIN PERSONAL-INJURY OR CONSUMER CLAIMS.

22. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless AOA and its owners, officers, employees, contractors, instructors, and affiliates from third-party claims, damages, liabilities, costs, and reasonable legal fees arising from your:

• unlawful or unauthorized use of the Services;

• client services, marketing claims, contracts, or deliverables;

• content or data you submit;

• infringement or violation of another person's rights;

• breach of these Terms; or

• misuse of AI systems or Academy resources.

This obligation does not require you to indemnify a protected party for its own fraud, willful misconduct, or liability that cannot lawfully be shifted.

23. Disputes, individual arbitration, and governing law

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS THE RIGHT TO GO TO COURT, HAVE A JURY DECIDE A DISPUTE, OR PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION.

23.1 Informal resolution first

Before starting arbitration or a court proceeding, the claimant must send an individualized written notice to the other party that describes the claimant's name and contact information, the facts and legal basis of the dispute, the requested relief, and any relevant account or transaction. Notices to AOA must be emailed to [email protected] with the subject "Legal Dispute Notice." AOA will send its notice to the email associated with the member's account.

The parties will attempt in good faith to resolve the dispute for at least 30 days after receipt of a complete notice. Any applicable limitations period is tolled during that 30-day period. Either party may request an individual telephone or video settlement conference, and each party will personally participate if reasonably available.

23.2 Binding individual arbitration

Except for matters listed in Section 23.3 or when a timely opt-out applies, any dispute, claim, or controversy arising out of or relating to the Services, these Terms, the Privacy Policy, a purchase, advertising, communications, or the relationship between you and AOA will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA).

The Federal Arbitration Act, 9 U.S.C. sections 1 through 16, governs the interpretation and enforcement of this arbitration agreement. The AAA Consumer Arbitration Rules and Consumer Due Process Protocol apply when the dispute qualifies as a consumer matter. Otherwise, the AAA Commercial Arbitration Rules apply. If AAA is unavailable or declines to administer the matter, the parties will agree on a comparable neutral administrator or ask a court of competent jurisdiction to appoint one.

The arbitration may be conducted by documents, telephone, videoconference, or an in-person hearing. Unless the parties agree otherwise or applicable law requires another location, any in-person hearing will take place in Charlotte, North Carolina. A consumer may elect a hearing location or remote process available under the applicable AAA rules. The arbitrator may award any individual remedy a court could award and must issue a reasoned written decision. A court with jurisdiction may enter judgment on the award.

Arbitration fees will be allocated under the applicable AAA rules. AOA will pay fees it is required to pay by those rules or applicable law. AOA will not seek its attorneys' fees from an individual consumer unless the arbitrator finds that the claim was frivolous or brought for an improper purpose under the standard applicable in court.

23.3 Claims that may proceed outside arbitration

Either party may:

• bring an eligible individual claim in small-claims court;

• seek temporary or preliminary court relief to protect intellectual property, confidential information, account security, or system integrity while arbitration is pending;

• report a matter to, or seek relief from, a government agency where the law permits; or

• pursue a claim in court if applicable law makes the arbitration agreement unenforceable for that claim.

23.4 Class-action and jury-trial waiver

To the fullest extent permitted by law, disputes must proceed only on an individual basis. Neither party may bring or participate in a class, collective, consolidated, or representative action or arbitration, and an arbitrator may award relief only to the individual claimant and only to the extent necessary to resolve that claimant's dispute. If a final court decision holds that a particular request for public injunctive relief cannot be waived or arbitrated, that request will be severed and decided by the court after all arbitrable claims are resolved.

For any dispute that proceeds in court, each party knowingly and voluntarily waives a jury trial to the fullest extent permitted by law.

23.5 Thirty-day right to opt out of arbitration

You may opt out of Sections 23.2 and 23.4 by emailing [email protected] within 30 days after you first accept these Terms. Use the subject "Arbitration Opt-Out" and include your full name, the email associated with your account, and a clear statement that you opt out of arbitration. Opting out will not affect your membership or any other provision of these Terms. An opt-out applies only to the individual who submits it and only if timely received.

23.6 Governing law and court venue

These Terms and any dispute not subject to arbitration are governed by the laws of North Carolina, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs arbitration and non-waivable consumer protections of a person's home jurisdiction continue to apply.

Any permitted court proceeding must be brought in the state courts located in Mecklenburg County, North Carolina, or the United States District Court for the Western District of North Carolina, Charlotte Division. Each party consents to personal jurisdiction and venue there, except when applicable law permits a consumer to proceed elsewhere.

23.7 Severability

If part of this Section 23 is unenforceable, it will be narrowed or severed to the minimum extent necessary and the remainder will continue in effect. If the individual-action requirement is held unenforceable as to a particular claim, that claim will proceed in court rather than in class arbitration.

24. Changes to these Terms

We may update these Terms for legal, security, operational, or service changes. The updated version will show a new "Last updated" date. If a change materially reduces rights during a paid term, we will provide reasonable advance notice and any remedy required by law. Changes do not retroactively alter a dispute that arose before the change unless both parties agree.

25. General provisions

• Entire agreement: These Terms, the Privacy Policy, checkout disclosures, and any incorporated program-specific terms form the agreement concerning the Services.

• Order of precedence: If terms conflict, a signed agreement controls, then checkout-specific terms, then these Terms, then general website statements.

• No waiver: A failure to enforce a provision is not a waiver.

• Severability: If a provision is unenforceable, it will be narrowed or removed to the minimum extent necessary, and the rest remains effective.

• Assignment: You may not assign these Terms without our consent. We may assign them in connection with a merger, reorganization, sale, or transfer of the business, subject to applicable law.

• No partnership: These Terms do not create employment, agency, partnership, joint venture, franchise, fiduciary, or exclusive relationship.

• Electronic communications: You consent to receive agreements, notices, and records electronically. You may retain copies for your records.

• Headings: Headings are for convenience and do not limit meaning.

26. Contact

Questions, support requests, cancellations, and legal notices should be directed as follows:

CAPITAL FUNDS LLC

Doing business as AI Operator Academy

Charlotte, North Carolina, United States

Support: [email protected]

Privacy: [email protected]

Legal notices: [email protected]

__________________________________________________

CHECKOUT ACCEPTANCE LANGUAGE

AOA should add an unchecked checkbox immediately above the final purchase button. Suggested text:

By checking this box and clicking "Join Now," I agree to the [Terms and Conditions] and acknowledge the [Privacy Policy]. I understand that the membership costs $999 for the initial one-year term and automatically renews each year through Skool at the disclosed renewal price until I cancel. I may cancel before renewal in my Skool Memberships settings, by contacting AOA at [email protected], or by contacting Skool. I understand that the 90-day guarantee applies only if I satisfy the published eligibility and claim requirements.

The renewal amount or pricing method, annual billing frequency, cancellation methods, and renewal terms must appear clearly before purchase. Store timestamped evidence of the version accepted.

WEBSITE IMPLEMENTATION CHECKLIST

1. Publish the Privacy Policy and Terms at stable, linked URLs.

1. Replace the footer's plain "Privacy Policy | Terms & Conditions" text with working links on the main and checkout pages.

1. Add conspicuous checkout assent with an unchecked checkbox and timestamped version record.

1. Display CAPITAL FUNDS LLC, Charlotte, North Carolina, and [email protected] consistently across checkout, receipts, policies, and notices.

1. Configure Skool for automatic annual renewal and make cancellation available through the member's Skool settings, AOA support, and Skool support.

1. Train support staff on the 90-day guarantee criteria, claim window, evidence review, and 10-business-day refund initiation standard.

1. Deploy a cookie and privacy-choice manager before activating non-essential analytics or advertising technologies. Provide accept, reject, and category-level controls where consent is required.

1. Add a persistent Your Privacy Choices link, honor Global Privacy Control where required, and suppress covered advertising after opt-out.

1. Maintain an accurate vendor, advertising-partner, data-flow, and cookie inventory.

1. Create a privacy-request intake, identity-verification, authorized-agent, appeal, and response-tracking procedure.

1. Adopt retention and deletion schedules for leads, members, recordings, financial records, advertising identifiers, and community content.

1. Add recording notices to event invitations, session pages, and the beginning of recorded sessions. Store member recordings only within the authorized Skool community unless separate permission supports another use.

1. Obtain separate consent before using testimonials, names, images, voices, or member results in public marketing.

1. Label downloadable assets by license: personal use, permitted client use, or separately licensed.

1. Add an arbitration opt-out logging process and retain proof of timely opt-outs.

1. Reconcile sales-page claims, checkout language, Skool transaction terms, email promises, and these policies so they do not conflict.

1. Review the policies at least annually and whenever vendors, tracking, pricing, renewal, guarantee, dispute procedures, or program delivery changes.

SOURCE AND RESEARCH NOTES

This draft was tailored using:

• the live public pages at aoa.community and aoa.community/join, reviewed July 17, 2026;

• the public offer of $999 per year, Academy curriculum and live support, and the advertised 90-day first-paying-client guarantee with its three stated participation requirements;

• internal ReturnMyTime second-brain sources on the AI Operator Academy, its audience, Audit, Optimize, Automate method, Skool delivery model, curriculum, founders, and business-unit relationship;

• Skool's Transaction Terms, reviewed July 17, 2026, including automatic renewal, payment processing, cancellation methods, continued access through a canceled paid term, and the relationship between creators, members, Skool, and Stripe;

• the Federal Arbitration Act, including 9 U.S.C. section 2, current through July 16, 2026;

• the North Carolina Revised Uniform Arbitration Act, N.C. Gen. Stat. Chapter 1, Article 45C;

• American Arbitration Association consumer-arbitration materials, Consumer Due Process Protocol, and applicable consumer and commercial rules;

• California Attorney General CCPA guidance on access, deletion, correction, sale or sharing opt-out, sensitive-information limitation, non-discrimination, and Global Privacy Control;

• UK Information Commissioner's Office guidance on cookies and similar technologies, including consent for non-essential technologies; and

• U.S. Federal Trade Commission guidance on endorsements, reviews, children's privacy, commercial email, and negative-option practices.

Guarantee knowledge-base note: The internal AOA record reviewed on July 17, 2026 described the product and Skool delivery model but did not contain additional 90-day guarantee mechanics beyond the live offer. Section 6 therefore preserves the live offer's three conditions and adds a clear, good-faith administrative process for timing, evidence, definitions, claim submission, and refund handling. Counsel should validate those mechanics before the policies are published.