OPERATIONAL TERMS

Monticor’s Terms & Conditions (effective and last updated December 17, 2025) govern your access to and use of the Monticor website and any related pages, forms, booking/scheduling flows, payment/checkout, downloads, and communications (collectively, the “Site”), and the Site is operated by Monticor and its affiliated, successor, and related entities, including Ten Pillar Industries LLC and any DBAs (collectively, “Monticor,” “we,” “us,” “the Firm”); by accessing, submitting information, booking, purchasing, downloading, or using any part of the Site, you agree to these Terms and to the Firm’s Operating Framework, which is incorporated by reference and includes the Data Sovereignty Protocol (privacy), Accessibility Statement, and Refund Policy, with the more specific document controlling if there is a conflict. You may use the Site only if you can form a legally binding contract and comply with applicable laws, the Site is not directed to children, and you agree not to misuse the Site, attempt unauthorized access, scrape or harvest data, reverse engineer, transmit malware/spam, interfere with operations, or use the Site in a way that creates legal, security, or operational risk; the Firm may restrict, suspend, or terminate access at any time to protect its systems, clients, and operations. Monticor provides consulting/advisory/strategic services and may provide digital materials, but outcomes depend on execution and variables outside the Firm’s control and no guarantees are made, and unless a separate signed agreement states otherwise the Firm does not provide legal, tax, medical, or other regulated professional advice. Booking reserves limited execution capacity, you are responsible for being prepared and on time, late arrivals do not extend session length, and the Firm may end a session or refuse service for abusive, threatening, discriminatory, unsafe, or obstructive conduct; payments may be processed via Wix and/or third-party processors and you authorize charges to your payment method for purchases and renewals (if applicable), and the Firm does not store full payment card numbers on its systems. All charges are final and non-refundable under the Refund Policy (including services, sessions, bookings, retainers, deposits, memberships/subscriptions, and digital products, used or unused, regardless of satisfaction or outcome), subject only to mandatory non-waivable consumer rights where applicable, and if you are a consumer in a jurisdiction with statutory withdrawal/cooling-off rights, you agree that where permitted you are requesting immediate performance or delivery and acknowledge that withdrawal rights may be reduced or lost once services begin or digital content is delivered, with any required consent/acknowledgment captured at checkout; chargebacks are not a substitute for Firm policy and may result in immediate suspension of services, access, and future bookings, and the Firm may provide purchase records, booking logs, delivery evidence, communications, and proof of acceptance to the payment processor, with you responsible for fees and costs where permitted. Your use of the Site is governed by the Data Sovereignty Protocol and privacy rights and transactional finality are separate systems (privacy requests do not reverse prior performance, reserved capacity, or fees incurred, and refunds are not granted in exchange for deletion), and if the Firm sells or shares personal information as defined in certain jurisdictions an opt-out mechanism is provided as described in the Data Sovereignty Protocol; your use is also governed by the Accessibility Statement, and if an accessibility barrier prevents booking, form submission, or payment, the Firm will provide an alternate method to complete the action consistent with that statement, and accessibility support is a remedy of access, not a refund right. All Site content and intellectual property are owned by the Firm or its licensors and protected by law and may not be copied or exploited without written permission; your submitted materials remain your property, and you grant the Firm a limited right to use submissions solely to evaluate fit and perform services for you, you should request an NDA before invention-level disclosures, and you acknowledge the Firm may advise other clients in similar problem spaces and is not restricted from working on general concepts that are independently developed, commonly known, or learned without use of your confidential materials; third-party services and embeds may apply and are governed by their terms. THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE,” THE FIRM DISCLAIMS WARRANTIES TO THE MAXIMUM EXTENT PERMITTED BY LAW, AND TO THE MAXIMUM EXTENT PERMITTED BY LAW THE FIRM WILL NOT BE LIABLE FOR INDIRECT OR CONSEQUENTIAL DAMAGES AND TOTAL LIABILITY WILL NOT EXCEED THE AMOUNT YOU PAID FOR THE SPECIFIC PURCHASE GIVING RISE TO THE CLAIM, and you agree to indemnify the Firm for claims arising from your misuse or violations. DISPUTES MUST BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION AND NOT IN COURT, SUBJECT TO LIMITED CARVE-OUTS FOR SMALL CLAIMS, TEMPORARY INJUNCTIVE RELIEF, AND INTELLECTUAL PROPERTY MISAPPROPRIATION/INFRINGEMENT RELIEF WHERE PERMITTED, YOU MUST SEND A NOTICE OF DISPUTE TO privacy@monticor.com AND WAIT 30 DAYS BEFORE ARBITRATION, YOU WAIVE CLASS ACTIONS/CLASS ARBITRATION/REPRESENTATIVE ACTIONS AND JURY TRIAL RIGHTS TO THE MAXIMUM EXTENT PERMITTED BY LAW, AND YOU MAY OPT OUT OF ARBITRATION BY EMAILING privacy@monticor.com WITH SUBJECT ARBITRATION OPT-OUT WITHIN 30 DAYS OF FIRST ACCEPTING THESE TERMS; except where mandatory law requires otherwise, these Terms are governed by Illinois law, venue for any non-arbitrated dispute is Illinois state or federal courts, international users are responsible for local compliance, and the Firm may update these Terms by posting a revised version with a new “Last Updated” date, and for operational notices, privacy commands, accessibility reports, and billing issues contact privacy@monticor.com.