Dr Taylor Seminars

Terms of Service and Disclaimer Agreement/Privacy Policy

IMPORTANT NOTICE: PLEASE READ THESE TERMS OF SERVICE ("TERMS") CAREFULLY BEFORE USING DR TAYLOR SEMINARS WEBSITE AND SERVICES. THESE TERMS CONTAIN IMPORTANT INFORMATION ABOUT YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. BY ACCESSING OR USING THE DR TAYLOR SEMINARS WEBSITE AND SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND ALL TERMS INCORPORATED BY REFERENCE. PLEASE NOTE: THESE TERMS CONTAIN AN ARBITRATION PROVISION THAT REQUIRES THE BINDING ARBITRATION OF DISPUTES ON AN INDIVIDUAL BASIS. BY AGREEING TO THESE TERMS, YOU EXPRESSLY ACKNOWLEDGE THAT YOU ARE WAIVING YOUR RIGHT TO: (A) SEEK RELIEF IN A COURT OF LAW; (B) HAVE DISPUTES DECIDED BY A JUDGE OR JURY; AND (C) PARTICIPATE IN A CLASS ACTION LAWSUIT. PLEASE REVIEW SECTION [X] FOR COMPLETE DETAILS. 1. DEFINITIONS AND SCOPE OF SERVICES 1.1 Definitions For purposes of these Terms, the following definitions shall apply: (a) "Dr Taylor Seminars," "we," "us," "our" refers to Jared Taylor Chiropractic Corporation dba Dr Taylor Seminars, including its affiliates, subsidiaries, parents, successors, and assigns. (b) "App" means the Dr Taylor Seminars, website (drtaylorseminars.com), and all related platforms, interfaces, and properties through which our Services are provided. (c) "Services" means all services provided by Dr Taylor Seminars, including but not limited to: (i) Laboratory data analysis and pattern recognition; (ii) Educational content and resources; (iii) Supplement and lifestyle suggestions; (iv) Laboratory testing facilitation; (v) Data visualization and tracking tools; and (vi) Any other features, content, or applications offered from time to time. (d) "User," "you," and "your" refers to you, the person accessing or using the Services, or the company or organization on whose behalf you are accessing or using the Services. (e) "Laboratory Results" means any blood test results or other diagnostic laboratory data input into or processed through our Services. (f) "Pattern Analysis" means the algorithmic evaluation of Laboratory Results using Dr Taylor Seminars proprietary mathematical calculations and predetermined thresholds. (g) "Functional Ranges" means the numerical ranges used by Dr Taylor Seminars for Pattern Analysis, which are distinct from and should not be confused with clinical diagnostic ranges used by healthcare providers. 1.2 Nature and Scope of Services (a) Educational Purpose Dr Taylor Seminars professional opinion-based educational services designed to help users understand patterns in their laboratory results including video content, notes, powerpoint and other resources (videos were developed in 2022-2023). You expressly acknowledge and agree that: (i) The Services are for educational and informational purposes only; (ii) The Services do not provide medical advice, diagnosis, or treatment; (iii) No provider-patient relationship is created through use of our Services; (iv) Pattern Analysis is not equivalent to medical interpretation of laboratory results; and (v) All health decisions must be made in consultation with qualified healthcare providers. (b) Pattern Analysis Limitations You understand and agree that: (i) Pattern Analysis is based solely on mathematical calculations and predetermined algorithms; (ii) The accuracy of Pattern Analysis depends entirely on the accuracy and timeliness of data entered by you; (iii) Pattern Analysis cannot account for your complete medical history, current medications, or other health factors; (iv) Functional Ranges are not diagnostic in nature and do not replace clinical laboratory ranges; and (v) Pattern Analysis results require review and interpretation by qualified healthcare providers. (c) Laboratory Services With respect to laboratory testing services: (i) Dr Taylor Seminars facilitates access to independent laboratory testing services but does not perform laboratory testing; (ii) Laboratory services are provided by independent third-party laboratories; (iii) You are responsible for verifying the accuracy of all laboratory data entered into the App; (iv) Laboratory testing may require separate agreements with third-party providers; and (v) Dr Taylor Seminars assumes no responsibility for the accuracy of laboratory testing or results. 1.3 Service Eligibility and Access (a) Age Requirement The Services are available only to individuals who are eighteen (18) years of age or older. By accessing or using the Services, you represent and warrant that you are at least eighteen (18) years old. If you are under eighteen (18) years of age, you may not, under any circumstances or for any reason, access or use the Services. (b) Account Requirements To access certain features of the Services, you must: (i) Create an account with accurate, complete, and current information (through the wellness store); (ii) Maintain the security of your account credentials; (iii) Promptly update any information that becomes inaccurate or incomplete; and by using this app, you acknowledge and agree to the entirety of this disclaimer and you also acknowledge that you are responsible for your own health decisions and that you have read and agree to this entire disclaimer. You also acknowledge that you are at least 18 years of age or older. Also, you understand and agree to this document in its entirety:

DR TAYLOR SEMINARS TERMS OF SERVICE Last Updated: April 15, 2025

IMPORTANT NOTICE: PLEASE READ THESE TERMS OF SERVICE ("TERMS") CAREFULLY BEFORE USING THE DR TAYLOR SEMINARS APPLICATION AND SERVICES. THESE TERMS CONTAIN IMPORTANT INFORMATION ABOUT YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. BY ACCESSING OR USING THE DR TAYLOR SEMINARS APPLICATION AND SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND ALL TERMS INCORPORATED BY REFERENCE.

PLEASE NOTE: THESE TERMS CONTAIN AN ARBITRATION PROVISION THAT REQUIRES THE BINDING ARBITRATION OF DISPUTES ON AN INDIVIDUAL BASIS. BY AGREEING TO THESE TERMS, YOU EXPRESSLY ACKNOWLEDGE THAT YOU ARE WAIVING YOUR RIGHT TO: (A) SEEK RELIEF IN A COURT OF LAW; (B) HAVE DISPUTES DECIDED BY A JUDGE OR JURY; AND (C) PARTICIPATE IN A CLASS ACTION LAWSUIT. PLEASE REVIEW SECTION [X] FOR COMPLETE DETAILS.

1. DEFINITIONS AND SCOPE OF SERVICES

1.1 Definitions

For purposes of these Terms, the following definitions shall apply:

(a) "Dr Taylor Seminars," "we," "us," "our" refers to Jared Taylor Chiropractic Corporation dba Dr Taylor Seminars, including its affiliates, subsidiaries, parents, successors, and assigns.

(b) "App" means the Dr Taylor Seminars mobile application, website (drtaylorseminars.com), and all related platforms, interfaces, and properties through which our Services are provided.

(c) "Services" means all services provided by Dr Taylor Seminars, including but not limited to: (i) Laboratory data analysis and pattern recognition; (ii) Educational content and resources; (iii) Supplement and lifestyle suggestions; (iv) Data visualization and tracking tools; and (v) Any other features, content, or applications offered from time to time.

(d) "User," "you," and "your" refers to you, the person accessing or using the Services, or the company or organization on whose behalf you are accessing or using the Services.

(e) "Laboratory Results" means any blood test results or other diagnostic laboratory data input into or processed through our Services.

(f) "Pattern Analysis" means the algorithmic evaluation of Laboratory Results using Dr Taylor Seminars' proprietary mathematical calculations and predetermined thresholds.

(g) "Functional Ranges" means the numerical ranges used by Dr Taylor Seminars for Pattern Analysis, which are distinct from and should not be confused with clinical diagnostic ranges used by healthcare providers.

1.2 Nature and Scope of Services

(a) Educational and Research Purpose Dr Taylor Seminars provides technology-based educational AI services designed to help users understand patterns in their laboratory results based on literature and/or research-based analysis. You expressly acknowledge and agree that: (i) The Services are for educational and informational purposes only; (ii) The Services do not provide medical advice, diagnosis, or treatment; (iii) No provider-patient relationship is created through use of our Services; (iv) Pattern Analysis is not equivalent to medical interpretation of laboratory results; and (v) All health decisions must be made in consultation with qualified healthcare providers.

(b) Pattern Analysis Limitations You understand and agree that: (i) Pattern Analysis is based solely on mathematical calculations and predetermined algorithms; (ii) The accuracy of Pattern Analysis depends entirely on the accuracy and timeliness of data entered by you; (iii) Pattern Analysis cannot account for your complete medical history, current medications, or other health factors; (iv) Functional Ranges are not diagnostic in nature and do not replace clinical laboratory ranges; and (v) Pattern Analysis results require review and interpretation by qualified healthcare providers. (vi) AI technology (chatbot assistant) can make mistakes in verifying and interpreting literature related to blood labs and isn’t a replacement for a qualified healthcare provider.

(c) Laboratory Services With respect to laboratory testing services: (i) Dr Taylor Seminars facilitates access to independent laboratory testing services but does not perform laboratory testing; (ii) Laboratory services are provided by independent third-party laboratories; (iii) You are responsible for verifying the accuracy of all laboratory data entered into the App; (iv) Laboratory testing may require separate agreements with third-party providers; and (v) Dr Taylor Seminars assumes no responsibility for the accuracy of laboratory testing or results.

1.3 Service Eligibility and Access

(a) Age Requirement The Services are available only to individuals who are eighteen (18) years of age or older. By accessing or using the Services, you represent and warrant that you are at least eighteen (18) years old. If you are under eighteen (18) years of age, you may not, under any circumstances or for any reason, access or use the Services.

(b) Account Requirements To access certain features of the Services, you must: (i) Create an account with accurate, complete, and current information; (ii) Maintain the security of your account credentials; (iii) Promptly update any information that becomes inaccurate or incomplete; and (iv) Accept responsibility for all activities that occur under your account.

1. MEDICAL DISCLAIMERS AND HEALTHCARE PROVISIONS

2.1 Non-Medical Nature of Services

(a) Disclaimer of Medical Services YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT: (i) DR TAYLOR SEMINARS DOES NOT PROVIDE MEDICAL ADVICE, DIAGNOSIS, TREATMENT, OR ANY FORM OF MEDICAL OPINION; (ii) NO DOCTOR-PATIENT RELATIONSHIP IS CREATED THROUGH USE OF THE SERVICES; (iii) THE SERVICES ARE NOT A SUBSTITUTE FOR PROFESSIONAL MEDICAL CARE OR ADVICE; AND (iv) ALL INFORMATION PROVIDED THROUGH THE SERVICES IS FOR GENERAL EDUCATIONAL AND RESEARCH PURPOSES ONLY.

(b) Healthcare Provider Relationship You understand and agree that: (i) You must maintain an active relationship with qualified healthcare provider(s); (ii) All health-related decisions must be made in consultation with your healthcare provider(s); (iii) The Services do not replace or modify any existing healthcare provider relationships; and (iv) Dr Taylor Seminars strongly suggests seeking a second medical opinion for any health concerns. (v) AI technology can make mistakes in verifying and interpreting literature related to blood labs and isn’t a replacement for a qualified healthcare provider.

2.2 Laboratory Results and Pattern Analysis

(a) Data Interpretation With respect to laboratory results and pattern analysis, you acknowledge that: (i) The App's pattern identification is based solely on mathematical algorithms; (ii) Functional ranges used by the App differ from clinical diagnostic ranges; (iii) Pattern analysis does not constitute medical interpretation of results; (iv) Critical or abnormal values require immediate healthcare provider consultation; and (v) The App cannot identify or alert users to medical emergencies. (vi) AI technology (chatbot assistant) can make mistakes in verifying and interpreting literature related to blood labs and isn’t a replacement for a qualified healthcare provider.

(b) User Responsibilities You agree to: (i) Verify all laboratory value units and conversions before entry; (ii) Maintain copies of original laboratory reports; (iii) Promptly discuss any concerning results with your healthcare provider; (iv) Not delay seeking medical care based on App analysis or suggestions; and (v) Immediately seek emergency care if experiencing concerning symptoms.

2.3 Health-Related Content and Suggestions

(a) Educational Information Regarding health-related content provided through the Services: (i) All content is for informational and research purposes only; (ii) Content is not personalized medical advice; (iii) Scientific understanding and best practices may change over time; (iv) Content may not reflect the most current medical research; and (v) Users must independently verify all information.

(b) Supplement and Lifestyle Suggestions With respect to any suggestions provided through the Services: (i) Suggestions are general in nature and not personalized prescriptions and are based on common research and literature results available through AI currently; (ii) No suggestion is intended to diagnose, treat, cure, or prevent any disease; (iii) Suggestions have not been evaluated by the Food and Drug Administration; (iv) Users must consult healthcare providers before starting any supplement regimen; and (v) Dr Taylor Seminars is not responsible for adverse reactions to suggested supplements or lifestyle changes. (vi) Users are encouraged to consult their healthcare provider before starting any new supplements or lifestyle changes.

2.4 Emergency Situations

(a) Emergency Protocol YOU ACKNOWLEDGE AND AGREE THAT: (i) THE SERVICES ARE NOT DESIGNED FOR EMERGENCY SITUATIONS; (ii) THE APP CANNOT IDENTIFY OR RESPOND TO MEDICAL EMERGENCIES; (iii) IN CASE OF EMERGENCY, YOU MUST IMMEDIATELY: - DIAL 911 - VISIT THE NEAREST EMERGENCY ROOM - CONTACT YOUR HEALTHCARE PROVIDER (iv) DO NOT DELAY SEEKING EMERGENCY CARE WHILE WAITING FOR APP ANALYSIS OR SUGGESTIONS.

(b) Critical Laboratory Values In cases of critical laboratory values: (i) The App or the AI chatbot may not identify or flag critical values; (ii) Users must review all laboratory reports with healthcare providers; (iii) Critical values require immediate medical attention; and (iv) Dr Taylor Seminars assumes no responsibility for failure to identify critical values. (vi) AI technology can make mistakes in verifying and interpreting literature related to blood labs and isn’t a replacement for a qualified healthcare provider.

2.5 Special Health Conditions

(a) High-Risk Conditions Users with certain health conditions must exercise additional caution: (i) Pregnant or possibly pregnant individuals; (ii) Individuals taking blood thinners or anti-seizure medications; (iii) Individuals with chronic or severe health conditions; and (iv) Individuals with multiple medication requirements. (v) Any other health condition or risk factors that may be deemed high-risk. If a user is unsure they should seek a professional medical opinion with their qualified healthcare provider.

(b) Required Precautions Users with high-risk conditions must: (i) Obtain explicit healthcare provider approval before using the Services; (ii) Maintain regular healthcare provider consultations; (iii) Not modify any medication regimen without provider approval; and (iv) Immediately report any adverse effects to their healthcare provider.

3. DATA PRIVACY AND SECURITY 3.1 Protected Health Information (a) HIPAA Compliance Dr Taylor Seminars maintains compliance with the Health Insurance Portability and Accountability Act of 1996 ("HIPAA") and its implementing regulations, as amended and supplemented. Accordingly: (i) We implement appropriate technical safeguards (such as de-identification of images) for protected health information ("PHI"); (ii) We maintain Business Associate Agreements with relevant third-party service providers; (iii) We regularly update our privacy and security practices to reflect regulatory changes; and (iv) We provide required notifications of privacy practices and breaches. (b) Data Classification Your information is classified and protected as follows: (i) Laboratory Results: Treated as PHI with highest-level security protocols; (ii) Account Information: Protected under standard security protocols; (iii) Usage Data: Collected and stored with appropriate safeguards; and (iv) Aggregate Data: De-identified in accordance with HIPAA standards. 3.2 Data Security Measures (a) Technical Safeguards Dr Taylor Seminars implements the following security measures: (i) Encryption and Security - AES-256 encryption for data at rest - TLS 1.3 protocols for data in transit - Multi-factor authentication for account access - Automatic session timeouts (ii) Server Security - HIPAA-compliant server infrastructure - Regular security audits and penetration testing - Continuous monitoring for unauthorized access - Redundant backup systems with encryption (b) Access Controls We maintain strict access controls including: (i) Role-based access limitations; (ii) Regular access review and authorization; (iii) Immediate access termination procedures; and (iv) Audit trails of all data access. 3.3 Data Retention and Deletion (a) Dr Taylor Seminars does not retain lab data: (i) Laboratory Data: Is ‘wiped’ and de-identified before being processed by the AI chatbot. (ii) De-identified aggregate data may be retained indefinitely; and (iii) Data required by law will be retained for legally mandated periods. 3.4 Data Breach Procedures (a) Breach Notification In the event of a data breach, Dr Taylor Seminars will: (i) Notify affected users within 72 hours of discovery; (ii) Provide detailed description of compromised information; (iii) Outline steps taken to address the breach; (iv) Provide specific instructions for user protection; and (v) Maintain communication throughout resolution. (b) Breach Response Our breach response protocol includes: (i) Immediate system isolation and investigation; (ii) Engagement of cybersecurity experts; (iii) Law enforcement notification when appropriate; (iv) Implementation of additional safeguards; and (v) Post-incident security enhancement. 3.5 User Privacy Rights (a) Access and Control Users maintain the following rights regarding their data: (i) Right to access all personal data; (ii) Right to correct inaccurate information; (iii) Right to request data deletion; (iv) Right to data portability; and (v) Right to restrict data processing. (b) Privacy Preferences Users may control their privacy through: (i) Customizable privacy settings; (ii) Marketing communication preferences; (iii) Data sharing permissions; and (iv) Third-party access controls. 3.6 Third-Party Data Sharing (a) Authorized Sharing Dr Taylor Seminars may share data with: (i) Third-party laboratories for testing services, other apps, data collection tracking devices (i.e. Apple Watch/Health) or other data collecting features; (ii) Healthcare providers as authorized by user; (iii) Service providers necessary for App operation; and (iv) Legal authorities when required by law. (b) Data Sharing Restrictions Dr Taylor Seminars will not: (i) Sell personal health information; (ii) Share data for marketing purposes without explicit consent; (iii) Provide data access to unauthorized parties; or (iv) Use data beyond the scope of these Terms and our Privacy Policy.

4. USER RESPONSIBILITIES AND ACCOUNT MANAGEMENT 4.1 Account Creation and Eligibility (a) Account Requirements To create and maintain an account, you must: (i) Be at least eighteen (18) years of age; (ii) Provide complete and accurate registration information; (iii) Have legal capacity to enter into binding contracts; and (iv) Accept these Terms and our Privacy Policy. (b) Account Restrictions You may not create an account if you: (i) Are under eighteen (18) years of age; (ii) Have previously been suspended or terminated from the Services; (iii) Are creating an account for someone else without proper authorization; or (iv) Are prohibited from using the Services by applicable law. 4.2 User Information and Accuracy (a) Information Requirements You agree to provide and maintain: (i) Accurate personal identification information; (ii) Valid contact information; (iii) Correct laboratory data and medical history; (iv) when submitting images of lab results or medical information, remove any and all identifying markers such as name, address, phone number, medical facility, doctors/providers names, medical numbers or other identifying information (our de-identification process serves only as a backup to removing any identifying information that may have been overlooked by the user); and (v) Updated payment information when applicable. (b) Data Entry Responsibilities You are solely responsible for: (i) Accuracy of all laboratory values entered and removing any and all identifying information on images submitted (if user is unsure they can enter in their lab data manually with no risk to potential identifying information being submitted); (ii) Proper unit conversion and verification; (iii) Timeliness of data updates; and (iv) Completeness of entered information. 4.3 Account Security (a) Security Obligations You must maintain account security by: (i) Creating a strong, unique password; (ii) Enabling two-factor authentication when available, facial recognition when available and any other security measures available; (iii) Maintaining confidentiality of login credentials; (iv) Logging out after each session; and (v) Never sharing account access with others. (b) Security Breach Response You agree to: (i) Immediately notify Dr Taylor Seminars of any unauthorized access; (ii) Report suspicious account activity; (iii) Cooperate in security investigations; and (iv) Change credentials following any security concern. 4.4 Prohibited Activities (a) General Prohibitions You agree not to: (i) Submit false or misleading information; (ii) Input laboratory data for anyone other than yourself; (iii) Attempt to circumvent security measures; (iv) Reverse engineer the App or Services; (v) Use automated systems to access the Services; or (vi) Interfere with proper operation of the Services. (b) Content Restrictions You may not upload or transmit: (i) Malicious code or harmful components; (ii) Content that violates any law or regulation; (iii) Content that infringes third-party rights; (iv) False or misleading health information; or (v) Personally identifiable information of others. 4.5 Account Maintenance (a) Regular Updates You are responsible for: (i) Maintaining current contact information; (ii) Updating laboratory data as new results become available; (iii) Reviewing account notifications and alerts; and (iv) Ensuring continued eligibility for Services. (b) Account Review You should regularly: (i) Review account activity for accuracy; (ii) Verify stored laboratory data; (iii) Update privacy preferences; and (iv) Confirm security settings. 4.6 Account Termination (a) User-Initiated Termination You may terminate your account by: (i) Submitting a written termination request; (ii) Completing any pending obligations; (iii) Paying any outstanding fees; and (iv) Following the prescribed termination procedure. (b) Dr Taylor Seminars-Initiated Termination We reserve the right to terminate accounts for: (i) Violation of these Terms; (ii) Provision of false information; (iii) Extended periods of inactivity; (iv) Suspicious or fraudulent activity; or (v) Any other reason deemed appropriate by Dr Taylor Seminars. 4.7 Post-Termination (a) Data Handling Following account termination: (i) Data will be handled according to Section 3.3; (ii) Access to Services will cease immediately; (iii) User content may be retained as required by law; and (iv) De-identified aggregate data may be retained indefinitely. (b) Surviving Obligations The following obligations survive termination: (i) Confidentiality requirements; (ii) Payment obligations; (iii) Indemnification provisions; and (iv) Dispute resolution terms.

5. SERVICE FUNCTIONALITY AND LIMITATIONS 5.1 Service Availability (a) General Availability Dr Taylor Seminars provides Services on the following basis: (i) 24/7 access under normal conditions; (ii) Subject to scheduled maintenance windows; (iii) May experience occasional unplanned downtime; (iv) Access speeds dependent on user's internet connection; and (v) Subject to temporary suspension for technical necessity. (b) Maintenance and Updates The Services may be unavailable during: (i) Scheduled system maintenance (with advance notice when possible); (ii) Emergency maintenance or repairs; (iii) Application or system updates; (iv) Network or equipment failures; and (v) Circumstances beyond Dr Taylor Seminars' reasonable control. 5.2 Technical Requirements (a) Device Compatibility To access the Services, users must maintain: (i) Compatible Devices: - iOS devices running version 14.0 or later - Android devices running version 8.0 or later - Modern web browsers supporting HTML5 and JavaScript (ii) Sufficient device storage space; (iii) Updated operating systems; and (iv) Functional hardware components. (b) Network Requirements Users must maintain: (i) Stable internet connection; (ii) Minimum 1 Mbps download speed; (iii) Secure network connection; and (iv) Appropriate security protocols. 5.3 Service Limitations (a) Pattern Analysis Limitations Users acknowledge that pattern analysis: (i) Is limited to available laboratory data; (ii) Cannot detect data entry errors; (iii) May not identify all relevant patterns; (iv) Requires complete data sets and possibly more lab data for optimal function; and (v) May change with algorithm updates. (b) Functional Constraints The Services do not: (i) Provide real-time monitoring; (ii) Generate medical diagnoses; (iii) Replace laboratory testing; (iv) Substitute for medical expertise; or (v) Guarantee specific outcomes or results. 5.4 Data Processing and Storage (a) Data Handling The Services process data as follows: (i) Laboratory data is processed using proprietary algorithms; (ii) Results are typically available within minutes; (iii) Historical data is retained according to Section 3.3; (iv) Backup copies are maintained; and (v) Processing times may vary based on system load. (b) Storage Limitations Users are subject to: (i) Maximum data storage limits; (ii) File size restrictions; (iii) Data retention periods; (iv) Backup frequency limitations; and (v) Format requirements for uploaded data. 5.5 Feature Updates and Modifications (a) Service Evolution Dr Taylor Seminars reserves the right to: (i) Modify or discontinue features; (ii) Update algorithms and analysis methods; (iii) Change interface elements; (iv) Adjust storage limitations or chatbot interaction usage where available; and (v) Alter functionality as needed. (b) Update Notifications Users will receive notice of: (i) Significant feature changes; (ii) Algorithm updates affecting analysis; (iii) Security-related modifications; (iv) Privacy policy updates; and (v) Terms of Service changes. 5.6 Geographic Restrictions (a) Service Availability The Services are: (i) Available only in the United States; (ii) Subject to state-specific regulations; (iii) Not intended for international use; (iv) Limited to supported jurisdictions; and (v) Subject to local law compliance. (b) Regional Compliance Users must: (i) Access Services from permitted locations; (ii) Comply with local regulations; (iii) Report any compliance concerns; (iv) Maintain appropriate licenses if required; and (v) Accept responsibility for regional compliance.

6. PAYMENT TERMS AND SUBSCRIPTION SERVICES 6.1 Subscription Plans and Pricing (a) Service Tiers Dr Taylor Seminars offers the following options: (i) Video content: - Lab Panels; Module 1 CBC with differential, Module 2 Cardiac/Lipid and Blood Sugar, Module 3 Metabolic Panel, Module 4 Thyroid Panel, Module 5 Identifying Patterns: - Basic pattern recognition - Standard educational content - Essential reporting functions. Dr Taylor Seminars may provide additional services/subscriptions in the future: (i) Fees are charged in U.S. dollars; (ii) Prices may vary by geographic location; (iii) Special pricing may be available for qualifying users; (iv) Prices are subject to change with notice; and (v) Applicable taxes will be added to all fees. 6.2 Payment Processing (a) Payment Methods Dr Taylor Seminars accepts whereas applicable: (i) Major credit and debit cards; (ii) ACH bank transfers; (iii) Digital payment platforms; (iv) Health Savings Account (HSA) cards; and (v) Flexible Spending Account (FSA) cards. (b) Payment Authorization By providing payment information, you: (i) Authorize recurring charges for subscription fees; (ii) Confirm you are the authorized payment method user; (iii) Accept responsibility for declined payments; (iv) Agree to maintain current payment information; and (v) Consent to automatic renewal charges. 6.3 Billing Cycles and Renewal (a) Subscription Terms All subscriptions are subject to: (i) Automatic renewal at the end of each billing cycle; (ii) Charges processed on the renewal date; (iii) Continuation until cancellation; (iv) Pro-rated billing for mid-cycle changes; and (v) Notice of upcoming renewals. (b) Renewal Procedures For subscription renewal: (i) Notice will be provided before automatic renewal; (ii) Renewal will occur at then-current rates; (iii) Changes in terms will be communicated in advance; (iv) Failed payments may result in service interruption; and (v) Account must be in good standing for renewal. 6.4 Cancellation and Refunds (a) Cancellation Policy Users may cancel subscriptions: (i) At any time through their account settings; (ii) By contacting customer support; (iii) With effect from the end of current billing cycle; (iv) Without penalty during trial periods; and (v) Subject to pro-rated refunds where applicable. (b) Refund Eligibility Refunds are available: (i) Within 30 days of initial subscription; (ii) For unused pre-paid periods; (iii) In cases of technical service failure; (iv) As required by applicable law; and (v) At Dr Taylor Seminars' discretion for exceptional circumstances. 6.5 Payment Disputes and Collections (a) Dispute Resolution For payment disputes: (i) Users must notify Dr Taylor Seminars within 30 days; (ii) Documentation of errors must be provided; (iii) Investigation will be completed within 60 days; (iv) Temporary credits may be issued during investigation; and (v) Resolution will be provided in writing. (b) Collections Process For unpaid balances: (i) Multiple payment attempts may be made; (ii) Late fees may be assessed; (iii) Service may be suspended; (iv) Account may be sent to collections; and (v) Legal action may be pursued. 6.6 Pricing Changes and Modifications (a) Price Adjustments Dr Taylor Seminars reserves the right to: (i) Modify subscription prices with notice; (ii) Introduce new service tiers; (iii) Adjust feature availability; (iv) Change payment terms; and (v) Modify billing cycles. (b) Notice Requirements For pricing changes: (i) 30-day advance notice will be provided; (ii) Changes will be communicated via email; (iii) Current subscribers may be grandfathered; (iv) Options to modify service tier will be provided; and (v) Cancellation rights will be explained.

7.INTELLECTUAL PROPERTY RIGHTS AND LICENSING 7.1 Ownership of Intellectual Property (a) Dr Taylor Seminars Property Dr Taylor Seminars exclusively owns and retains all rights to: (i) The website and all components thereof; (ii) Proprietary algorithms and analysis methods; (iii) Software code and architecture; (iv) Trademarks, logos, and brand elements; (v) Educational content and materials; (vi) User interface designs; (vii) Pattern analysis methodologies; and (viii) All improvements and derivatives thereof. (b) Third-Party Property Users acknowledge that: (i) Certain components may be owned by third parties; (ii) Third-party rights are protected under applicable laws; (iii) Third-party terms may apply to certain features; (iv) Users must respect all third-party rights; and (v) Dr Taylor Seminars has obtained necessary licenses for third-party content. 7.2 Limited License Grant (a) User License Dr Taylor Seminars grants users a: (i) Limited, non-exclusive license; (ii) Non-transferable right of use; (iii) Revocable permission to access; (iv) Personal, non-commercial authorization; and (v) Restricted right to view and utilize the Services. (b) License Restrictions Users may not: (i) Copy, modify, or create derivative works; (ii) Reverse engineer the App or Services; (iii) Decompile or attempt to extract source code; (iv) Remove or alter any proprietary notices; (v) Transfer or sublicense access rights; (vi) Use for commercial purposes; or (vii) Attempt to circumvent any technical limitations. 7.3 User Content (a) User Rights Regarding user-provided content: (i) Users retain ownership of their laboratory data; (ii) Users grant limited license for service operation; (iii) Users control sharing permissions; (iv) Users may request content deletion; and (v) Users maintain export rights. (b) Content License Users grant Dr Taylor Seminars: (i) Worldwide license to use submitted content; (ii) Right to analyze and process data; (iii) Permission to generate insights; (iv) Authority to create aggregate statistics; and (v) License to improve Services. 7.4 Trademark and Copyright Protection (a) Trademark Rights The following are protected: (i) "Dr Taylor Seminars" name and variations; (ii) Associated logos and designs; (iii) Product and service names; (iv) Marketing slogans; and (v) All registered and unregistered marks. (b) Copyright Protection Copyright protection extends to: (i) All written content; (ii) Visual elements and designs; (iii) Software code and algorithms; (iv) Educational materials; and (v) User interface elements. 7.5 Intellectual Property Enforcement (a) Unauthorized Use Dr Taylor Seminars will enforce against: (i) Unauthorized copying or distribution; (ii) Trademark infringement; (iii) Patent violations; (iv) Trade secret misappropriation; and (v) Any other intellectual property violations. (b) Reporting Violations Users must: (i) Report suspected intellectual property violations; (ii) Cooperate in investigations; (iii) Provide documentation of unauthorized use; (iv) Assist in enforcement actions; and (v) Respect takedown notices. 7.6 Technology Improvements (a) Service Enhancement Dr Taylor Seminars reserves the right to: (i) Improve and modify the Services; (ii) Update algorithms and methodologies; (iii) Enhance user interfaces; (iv) Add new features; and (v) Implement technological advances. (b) User Feedback Regarding user suggestions: (i) Feedback becomes Dr Taylor Seminars property; (ii) No compensation is due for suggestions; (iii) Implementation is at Dr Taylor Seminars' discretion; (iv) Credit may be given when appropriate; and (v) Feedback may be used without restriction.

8. WARRANTIES AND DISCLAIMERS 8.1 Disclaimer of Warranties (a) Service Warranty Disclaimer THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. DR TAYLOR SEMINARS EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: (i) MERCHANTABILITY; (ii) FITNESS FOR A PARTICULAR PURPOSE; (iii) NON-INFRINGEMENT; (iv) ERROR-FREE OR UNINTERRUPTED OPERATION; (v) ACCURACY OF RESULTS; (vi) RELIABILITY OF ANALYSIS; (vii) SECURITY OF DATA TRANSMISSION; AND (viii) ACHIEVEMENT OF INTENDED RESULTS. (b) Medical Warranty Disclaimer DR TAYLOR SEMINARS EXPLICITLY DISCLAIMS ANY WARRANTIES REGARDING: (i) Medical accuracy or completeness; (ii) Diagnostic capabilities; (iii) Treatment recommendations; (iv) Health outcomes; (v) Supplement efficacy; (vi) Pattern analysis accuracy; (vii) Laboratory result interpretation; and (viii) Healthcare provider decisions. 8.2 Specific Disclaimers (a) Pattern Analysis Disclaimers Users acknowledge that: (i) Pattern analysis is purely algorithmic; (ii) Results may vary; (iii) Accuracy depends on data input; (iv) Analysis may be incomplete; (v) Updates may change results; (vi) Individual variations exist; and (vii) Healthcare provider verification is required. (b) Technology Disclaimers Dr Taylor Seminars does not warrant: (i) Compatibility with all devices; (ii) Freedom from technical errors; (iii) Data transmission security; (iv) Backup reliability; (v) Network availability; (vi) Update compatibility; or (vii) Third-party integration functionality. 8.3 Third-Party Services (a) Laboratory Services Regarding laboratory services: (i) Dr Taylor Seminars does not perform testing; (ii) No warranty on lab accuracy; (iii) No guarantee of availability; (iv) No responsibility for processing times; and (v) No liability for laboratory errors. (b) Healthcare Providers Regarding healthcare providers: (i) No endorsement of providers; (ii) No guarantee of availability; (iii) No warranty of qualifications; (iv) No responsibility for care quality; and (v) No liability for medical decisions. 8.4 User Responsibilities and Acknowledgments (a) User Acknowledgments Users expressly acknowledge: (i) Responsibility for data accuracy; (ii) Need for medical supervision; (iii) Risks of online services; (iv) Limitations of technology; (v) Importance of verification; and (vi) Personal responsibility for decisions. (b) Additional Responsibilities Users agree to: (i) Verify all information; (ii) Seek medical advice; (iii) Report technical issues; (iv) Maintain account security; (v) Update personal information; and (vi) Follow safety protocols. 8.5 Limitation of Remedies (a) Available Remedies User remedies are limited to: (i) Service correction; (ii) Data re-analysis; (iii) Account adjustment; (iv) Service credit; or (v) Subscription termination. (b) Remedy Restrictions Users acknowledge that: (i) Monetary damages are limited; (ii) Indirect damages are excluded; (iii) Consequential damages are waived; (iv) Specific performance is not available; and (v) Injunctive relief is limited. 8.6 Survival of Disclaimers (a) Ongoing Effect These disclaimers: (i) Survive termination; (ii) Apply to all service aspects; (iii) Cover all use cases; (iv) Extend to all users; and (v) Cannot be waived or modified.

9.​LIMITATION OF LIABILITY 9.1 General Limitation of Liability (a) Maximum Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, DR TAYLOR SEMINARS' AGGREGATE LIABILITY SHALL BE LIMITED TO: (i) The greater of: - One hundred dollars ($100.00); or - The amount paid by user for Services in the previous twelve (12) months (ii) This limitation applies to: - All causes of action - All theories of liability - All types of damages - All claims or demands - All forms of relief (b) Excluded Damages UNDER NO CIRCUMSTANCES SHALL DR TAYLOR SEMINARS BE LIABLE FOR: (i) Lost profits or revenue; (ii) Loss of use; (iii) Loss of data; (iv) Cost of substitute services; (v) Business interruption; (vi) Personal injury/death; (vii) Emotional distress; or (viii) Punitive damages. 9.2 Specific Liability Exclusions (a) Medical Liability Dr Taylor Seminars assumes no liability for: (i) Medical decisions or outcomes; (ii) Healthcare provider actions; (iii) Laboratory testing results; (iv) Pattern analysis interpretation; (v) Supplement suggestions/recommendations; (vi) Treatment decisions; or (vii) Health-related outcomes. (b) Technical Issues No liability is assumed for: (i) Service interruptions; (ii) Data transmission errors; (iii) System compatibility issues; (iv) Network failures; (v) Device malfunctions; (vi) Software bugs; or (vii) Security breaches. 9.3 Third-Party Liability (a) Service Providers Dr Taylor Seminars is not liable for: (i) Laboratory service providers; (ii) Healthcare professionals; (iii) Payment processors; (iv) Technology vendors; (v) Data storage providers; (vi) Network operators; or (vii) Other third-party services. (b) Third-Party Content No liability for: (i) Third-party websites; (ii) Linked content; (iii) External resources; (iv) Advertisement content; (v) Partner services; (vi) User-generated content; or (vii) External suggestions/recommendations. 9.4 User Actions and Responsibilities (a) User Conduct Users bear sole liability for: (i) Data entry accuracy; (ii) Account security; (iii) Password protection; (iv) Device compatibility; (v) Network security; (vi) Content sharing; and (vii) Personal decisions. (b) Unauthorized Access Dr Taylor Seminars is not liable for: (i) Compromised accounts; (ii) Stolen credentials; (iii) Unauthorized use; (iv) Identity theft; (v) Data breaches caused by user action; (vi) Shared login information; or (vii) User security failures. 9.5 Force Majeure (a) Excluded Events No liability for disruptions due to: (i) Natural disasters; (ii) Pandemics; (iii) Government actions; (iv) Civil unrest; (v) Labor disputes; (vi) Power failures; (vii) Internet disruptions; or (viii) Other circumstances beyond reasonable control. (b) Response Obligations During force majeure events: (i) Reasonable efforts to restore service; (ii) Timely user communication; (iii) Data protection maintenance; (iv) Security measure continuation; (v) Service restoration planning. 9.6 Indemnification Obligations (a) User Indemnification Users agree to indemnify Dr Taylor Seminars for: (i) Terms violations; (ii) Illegal activities; (iii) Rights infringement; (iv) Data misuse; (v) Unauthorized access; (vi) False information; and (vii) Third-party claims.

10. DISPUTE RESOLUTION AND ARBITRATION 10.1 Agreement to Arbitrate (a) Mandatory Arbitration BY USING THE SERVICES, YOU AGREE THAT: (i) All disputes shall be resolved through binding arbitration, except: - Small claims court cases - Intellectual property disputes - Emergency injunctive relief (ii) You waive the right to: - File or participate in class actions - Have disputes heard by a jury - Participate in class-wide arbitration (iii) All claims must be brought: - In an individual capacity - Within one (1) year of accrual - Through the prescribed arbitration process (b) Arbitration Procedures The arbitration will be: (i) Administered by JAMS; (ii) Conducted under JAMS Consumer Rules; (iii) Held in St. George, Utah; (iv) Decided by a single arbitrator; (v) Conducted in English. 10.2 Pre-Arbitration Dispute Resolution (a) Notice of Dispute Prior to initiating arbitration: (i) Written notice must be provided to: Dr Taylor Seminars 1812 W Sunset Blvd #18 St George, UT 84770 (ii) Notice must include: - Detailed description of claim - Supporting documentation - Proposed resolution - Contact information (b) Informal Resolution Period The parties shall: (i) Attempt good faith resolution for 60 days; (ii) Engage in meaningful negotiation; (iii) Exchange relevant information; (iv) Consider mediation if appropriate; (v) Document resolution attempts. 10.3 Arbitration Process (a) Initiating Arbitration To commence arbitration: (i) File demand with JAMS; (ii) Pay applicable filing fees; (iii) Serve notice on opposing party; (iv) Select arbitrator per JAMS rules; (v) Schedule initial conference. (b) Arbitration Proceedings The arbitration shall: (i) Follow JAMS Consumer Rules; (ii) Allow limited discovery; (iii) Maintain confidentiality; (iv) Permit written submissions; (v) Conclude with written decision. 10.4 Costs and Fees (a) Cost Allocation Regarding arbitration costs: (i) Filing fees split equally unless: - Claim is under $75,000 - Hardship is demonstrated - Law requires otherwise (ii) Each party bears: - Own attorney fees - Own witness costs - Own evidence expenses (b) Cost Limitations Dr Taylor Seminars will: (i) Pay all arbitrator fees for claims under $75,000; (ii) Not seek attorney fees unless: - Claim is frivolous - Brought in bad faith - Law permits fee recovery 10.5 Arbitration Awards (a) Award Requirements The arbitrator's award shall: (i) Be in writing; (ii) State essential findings; (iii) Specify relief granted; (iv) Be final and binding; (v) Be subject to limited review. (b) Available Relief The arbitrator may award: (i) Monetary damages; (ii) Declaratory relief; (iii) Injunctive relief; (iv) Statutory remedies; (v) Any relief available in court. 10.6 Class Action Waiver (a) Individual Claims Only Users agree that: (i) All claims must be individual; (ii) No class arbitrations; (iii) No consolidated claims; (iv) No representative actions; (v) No mass actions. (b) Waiver Enforcement If waiver is unenforceable: (i) Entire arbitration provision is void; (ii) Disputes will be resolved in court; (iii) Venue will be Utah courts; (iv) Class actions permitted; (v) Jury trials available.

11. TERMINATION AND SUSPENSION 11.1 Termination Rights (a) User Termination Users may terminate their account: (i) At any time for any reason; (ii) Through account settings; (iii) By written notice to Dr Taylor Seminars, Contact: Dr Taylor Seminars 1812 W Sunset Blvd #18 St George, Utah 84770 1-435-656-0521 Email: info@drtaylorseminars.com; (iv) Subject to these conditions: - Payment of outstanding fees - Completion of pending obligations - Data export if desired - Compliance with termination procedures (b) Dr Taylor Seminars Termination Dr Taylor Seminars may terminate or suspend services: (i) For any violation of Terms; (ii) For extended periods of inactivity; (iii) For suspected fraudulent activity; (iv) To comply with law or regulation; (v) For service discontinuation; (vi) At our sole discretion with notice. 11.2 Effect of Termination (a) Upon Termination The following occurs: (i) Immediate cessation of access to Services; (ii) Deactivation of user account; (iii) Cancellation of subscriptions; (iv) Data handling per Section 3.3; (v) Termination of licenses granted. (b) User Obligations Users must: (i) Cease all use of Services; (ii) Delete local copies of app; (iii) Pay outstanding balances; (iv) Return or destroy confidential information; (v) Comply with post-termination requirements. 11.3 Suspension of Services (a) Suspension Grounds Dr Taylor Seminars may suspend services for: (i) Investigation of suspected violations; (ii) Prevention of harm to Services; (iii) Response to security threats; (iv) Address technical issues; (v) Comply with legal requirements. (b) During Suspension While suspended: (i) Access may be limited or blocked; (ii) Features may be restricted; (iii) Data remains secure; (iv) Fees continue to accrue; (v) Resolution requirements must be met. 11.4 Account Reinstatement (a) Reinstatement Requirements To reinstate after suspension: (i) Resolve violation issues; (ii) Pay outstanding fees; (iii) Verify account information; (iv) Comply with additional requirements; (v) Obtain Dr Taylor Seminars approval. (b) Reinstatement Discretion Dr Taylor Seminars: (i) Has sole discretion regarding reinstatement; (ii) May impose additional conditions; (iii) May deny reinstatement; (iv) May require new agreement; (v) May modify service access. 11.5 Surviving Terms (a) Surviving Provisions The following survive termination: (i) Payment obligations; (ii) Confidentiality requirements; (iii) Intellectual property rights; (iv) Indemnification obligations; (v) Dispute resolution terms; (vi) Liability limitations; (vii) Data retention requirements; (viii) Applicable warranties and disclaimers. (b) Continuing Obligations Users remain bound to: (i) Maintain confidentiality; (ii) Honor intellectual property rights; (iii) Fulfill payment obligations; (iv) Comply with data restrictions; (v) Abide by legal requirements. 11.6 Post-Termination Data Handling (a) Data Retention Following termination: (i) Data retained per privacy policy; (ii) Backup copies maintained; (iii) Legal holds honored; (iv) Aggregated data preserved; (v) User-specific data deleted. (b) Data Access After termination: (i) Limited time to export data; (ii) Read-only access if granted; (iii) No new data entry; (iv) Support for data transfer; (v) Compliance with data laws.

12. MODIFICATIONS TO TERMS AND SERVICES 12.1 Changes to Terms (a) Modification Rights Dr Taylor Seminars reserves the right to modify: (i) These Terms of Service; (ii) Privacy Policy; (iii) Service features; (iv) Pricing structures; (v) Usage policies; (vi) Operating procedures; (vii) Technical requirements; (viii) Any other aspects of the Services. (b) Notice Requirements For material changes: (i) 30 days advance notice via: - Email notification - In-app announcements - Website updates (ii) Changes effective upon: - Stated effective date - Continued use of Services - Express acceptance if required - Updated Terms posting 12.2 Acceptance of Changes (a) Express Acceptance Users indicate acceptance by: (i) Continued use of Services; (ii) Clicking "I Accept" when prompted; (iii) Acknowledging update notices; (iv) Making subsequent payments; (v) Accessing modified features. (b) Rejection of Changes If users do not accept changes: (i) Must discontinue Service use; (ii) May terminate account; (iii) Must provide written notice; (iv) Subject to refund policy; (v) Must export data if desired. 12.3 Service Modifications (a) Service Changes Dr Taylor Seminars may: (i) Add or remove features; (ii) Modify algorithms; (iii) Update user interfaces; (iv) Change technical requirements; (v) Alter service levels; (vi) Adjust functionality; (vii) Implement new technologies. (b) Implementation of Changes Changes will be: (i) Rolled out systematically; (ii) Tested for stability; (iii) Documented appropriately; (iv) Supported technically; (v) Monitored for issues. 12.4 Pricing Modifications (a) Price Changes Dr Taylor Seminars may modify: (i) Subscription rates; (ii) Feature pricing; (iii) Add-on costs; (iv) Payment terms; (v) Billing cycles; (vi) Discount programs. (b) Price Change Implementation For price changes: (i) 30 days notice required; (ii) Grandfathering may apply; (iii) Prorated adjustments offered; (iv) Cancellation rights explained; (v) Alternative plans presented. 12.5 Technical Modifications (a) System Updates Dr Taylor Seminars may modify: (i) Platform requirements; (ii) Compatible devices; (iii) Network specifications; (iv) Security protocols; (v) Data formats; (vi) Integration requirements. (b) Update Requirements Users must: (i) Maintain compatible systems; (ii) Install required updates; (iii) Follow technical guidelines; (iv) Ensure device compatibility; (v) Meet minimum specifications. 12.6 Documentation of Changes (a) Change Records Dr Taylor Seminars will maintain: (i) Version history of Terms; (ii) Change logs; (iii) Update notifications; (iv) Technical documentation; (v) User communications. (b) Access to Changes Users can: (i) Review previous versions; (ii) Access change history; (iii) Request clarification; (iv) Compare modifications; (v) Track implementation dates.

13. GENERAL PROVISIONS 13.1 Governing Law (a) Legal Framework These Terms shall be governed by: (i) Laws of the State of Utah; (ii) Federal laws of the United States; (iii) Without regard to: - Conflicts of law principles - Choice of law rules - UN Convention on Contracts (iv) Subject to arbitration provisions; (v) Excluding local law variations. (b) Jurisdiction Parties agree to: (i) Exclusive jurisdiction in Utah; (ii) Venue in Washington County; (iii) Personal jurisdiction consent; (iv) Waiver of forum non conveniens; (v) Subject to arbitration requirements. 13.2 Assignment (a) Assignment Restrictions Users may not: (i) Assign these Terms; (ii) Transfer rights or obligations; (iii) Delegate responsibilities; (iv) Sublicense access; (v) Share account privileges. (b) Dr Taylor Seminars Rights Dr Taylor Seminars may: (i) Assign Terms freely; (ii) Transfer rights; (iii) Delegate duties; (iv) Engage subcontractors; (v) Sell or merge business. 13.3 Severability (a) Invalid Provisions If any provision is found invalid: (i) Remainder of Terms survive; (ii) Invalid portion severed; (iii) Terms interpreted to original intent; (iv) Replacement provision applied; (v) Rest of Terms enforced. (b) Reformation Courts may: (i) Reform invalid provisions; (ii) Modify scope; (iii) Adjust terms; (iv) Preserve intent; (v) Ensure enforceability. 13.4 Waiver (a) No Implied Waiver The following applies: (i) No waiver by inaction; (ii) Written waiver required; (iii) Specific instance only; (iv) No continuing waiver; (v) Rights preserved. (b) Enforcement Rights Dr Taylor Seminars maintains: (i) All enforcement rights; (ii) Future exercise options; (iii) Cumulative remedies; (iv) Additional legal rights; (v) Equitable remedies. 13.5 Notice Requirements (a) To Dr Taylor Seminars Notices must be sent to: (i) Physical Address: 1812 W Sunset Blvd #18 St George, UT 84770 (ii) Email: info@drtaylorseminars.com (iii) Method requirements: - Written form - Delivery confirmation - Clear subject line (b) To Users Notices will be sent via: (i) Email on file; (ii) In-app notifications; (iii) Account dashboard; (iv) SMS if authorized; (v) Physical mail if required. 13.6 Entire Agreement (a) Complete Agreement These Terms: (i) Constitute entire agreement; (ii) Supersede prior agreements; (iii) Replace previous versions; (iv) Include all referenced policies; (v) Represent complete understanding. (b) Integration No other agreements: (i) Oral modifications invalid; (ii) Written amendments required; (iii) No outside representations; (iv) No additional terms; (v) No implied conditions.

14. FORCE MAJEURE 14.1 Force Majeure Events (a) Qualifying Events Dr Taylor Seminars shall not be liable for delays or failures caused by: (i) Natural disasters, including but not limited to: - Earthquakes - Floods - Hurricanes - Wildfires (ii) Human events, including: - War or military action - Terrorism - Civil unrest - Labor disputes (iii) Health emergencies: - Pandemics - Epidemics - Public health crises (iv) Technical disruptions: - Power outages - Internet failures - Telecommunications breakdowns - Cyber attacks (v) Government actions: - Regulations - Orders - Restrictions - Emergency declarations (b) Additional Circumstances Also included are: (i) Supply chain disruptions; (ii) Transportation failures; (iii) Server outages; (iv) Hardware failures; (v) Third-party service interruptions. 14.2 Response to Force Majeure (a) Dr Taylor Seminars Obligations During force majeure events: (i) Prompt notification to users; (ii) Reasonable mitigation efforts; (iii) Regular status updates; (iv) Service restoration planning; (v) Alternative solution exploration. (b) Service Continuation Dr Taylor Seminars will: (i) Maintain essential services where possible; (ii) Protect user data; (iii) Prioritize critical functions; (iv) Implement contingency plans; (v) Restore full service when feasible. 14.3 User Rights During Force Majeure (a) Service Expectations Users acknowledge: (i) Possible service interruptions; (ii) Delayed response times; (iii) Limited functionality; (iv) Modified service levels; (v) Temporary alternatives. (b) User Options Users may: (i) Maintain service subscription; (ii) Request service credits; (iii) Terminate without penalty; (iv) Export available data; (v) Seek alternative services. 14.4 Duration and Recovery (a) Event Duration Force majeure period: (i) Begins upon event occurrence; (ii) Continues during impact; (iii) Includes recovery time; (iv) Ends with service restoration; (v) Subject to reasonable assessment. (b) Recovery Process Following events: (i) Systematic service restoration; (ii) Data integrity verification; (iii) System stability confirmation; (iv) User communication plan; (v) Normal operation resumption. 14.5 Financial Implications (a) Service Credits During force majeure: (i) No automatic refunds; (ii) Credit consideration case-by-case; (iii) Prorated adjustments possible; (iv) Future service credits; (v) Alternative compensation options. (b) Ongoing Charges Regarding fees: (i) Regular charges may continue; (ii) Adjusted billing possible; (iii) Suspension options available; (iv) Termination rights preserved; (v) Payment obligations maintained. 14.6 Documentation and Reporting (a) Event Documentation Dr Taylor Seminars will maintain: (i) Event timeline records; (ii) Impact assessments; (iii) Response measures; (iv) Recovery actions; (v) User communications. (b) Reporting Requirements As needed: (i) Regulatory notifications; (ii) User status updates; (iii) Service impact reports; (iv) Recovery timelines; (v) Resolution summaries.

15. CONFIDENTIALITY AND NON-DISCLOSURE 15.1 Confidential Information (a) Definition of Confidential Information Confidential Information includes: (i) Health-related data: - Laboratory results - Pattern analysis - Health history - User symptoms (ii) Personal information: - Account details - Contact information - Payment data - Usage history (iii) Technical information: - Algorithms - Source code - System architecture - Security measures (iv) Business information: - Internal processes - Development plans - Partner relationships - Pricing strategies (b) Exclusions Not considered confidential: (i) Publicly available information; (ii) Previously known information; (iii) Independently developed data; (iv) Rightfully received from others; (v) Aggregated anonymous data. 15.2 Protection of Confidential Information (a) Security Measures Dr Taylor Seminars will: (i) Implement industry-standard security: - Encryption protocols - De-identification - Access controls - Monitoring systems - Security audits (ii) Maintain data protection: - Regular backups - Disaster recovery - Breach prevention - Update protocols (b) Access Restrictions Limited access to: (i) Authorized personnel only; (ii) Need-to-know basis; (iii) Trained staff members; (iv) Verified partners; (v) Compliant contractors. 15.3 User Obligations (a) User Responsibilities Users must: (i) Protect account credentials; (ii) Maintain device security; (iii) Report security concerns; (iv) Prevent unauthorized access; (v) Secure personal data. (b) Prohibited Actions Users may not: (i) Share login credentials; (ii) Expose confidential data; (iii) Copy protected information; (iv) Circumvent security; (v) Enable unauthorized access. 15.4 Data Sharing and Disclosure (a) Authorized Disclosure Information may be shared: (i) With user consent; (ii) For service provision; (iii) To comply with law; (iv) To protect rights; (v) In emergency situations. (b) Third-Party Disclosure Sharing limited to: (i) Authorized providers; (ii) Service partners; (iii) Legal authorities; (iv) Emergency services; (v) Required reporters. 15.5 Breach Notification (a) Notification Process In event of breach: (i) Prompt user notification; (ii) Incident details provided; (iii) Impact assessment; (iv) Remediation steps; (v) Prevention measures. (b) Response Actions Dr Taylor Seminars will: (i) Investigate incident; (ii) Contain breach; (iii) Restore security; (iv) Update procedures; (v) Implement safeguards. 15.6 Post-Termination (a) Continuing Obligations After service ends: (i) Confidentiality maintained; (ii) Data protection continues; (iii) Return of information; (iv) Secure destruction; (v) Verification of compliance. (b) Survival Period Obligations continue: (i) As required by law; (ii) Per privacy policy; (iii) For specified period; (iv) Until release granted; (v) As reasonably needed.

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