# Privacy Policy

Effective date: June 18, 2026

Data controller: Nexora Media LLC ("Company", "we", "us", "our"), operating the brand "Nexora Notes."

Contact email: support@nexoranotes.com

Address: 75 E 3rd St, Sheridan, WY 82801, USA

This Privacy Policy explains how we collect, use, and disclose information about you. It applies when you use our website, applications, and the services, content, and materials we provide (together, the "Services"), or when you otherwise interact with us. We may update this policy from time to time; if we do, we will update the "Effective date" above and, where appropriate, notify you on the site or by email. Please review this policy each time you use the Services.

## 1. Information we collect

a) Information you provide to us. When you create an account, submit a form or message, subscribe, register for something, make a purchase, contact support, or interact with us on social media, you may provide: your name, email address, password, address, phone number, profile photo, occupation, preferences and interests, and any other information you choose to share. Payment details are processed securely by our third-party payment provider; we do not store full card numbers or CVV codes.

b) Information we collect automatically.

- Log data: IP address, access times, browser type, pages viewed, referring source, and click activity.

- Device/app data: device model, operating system and version, unique device identifiers, network information, and app usage.

- Cookies and similar technologies: used to operate the site, remember your preferences, measure visits, and improve your experience. See "Your choices — Cookies" below.

c) Information from third parties. When you sign in through, or interact with, a third party (such as social media), we may receive information that platform makes available to us within your authorization (such as your name, account information, or friends list). We may also combine market or analytics data from third-party sources with information we hold in order to better understand your needs.

## 2. How we use information

We may use your information to:

- provide, maintain, improve, and promote our products and Services;

- complete transactions, deliver content, and send transaction notices, course materials, and receipts;

- send technical updates, security alerts, and service notices;

- respond to comments and questions and provide customer support;

- where you have consented or where permitted by law, send you content we think may interest you, such as courses, events, or offers (you can unsubscribe at any time);

- monitor and analyze trends, usage, and activity related to the Services, and conduct anti-abuse and security reviews;

- personalize content or features (including advertising or retargeting where applicable);

- comply with contractual, legal, and regulatory obligations; and

- fulfill any other purpose disclosed to you at the time we collect the information.

We are based in the United States, and information will be processed under U.S. law. By using the Services, you consent to the processing and transfer of information in the United States and other countries.

## 3. How we share information

We may share information in the following circumstances:

- with service providers (such as our payment provider, email/form tools, cloud hosting, and analytics) only as necessary to perform services for us and according to our instructions;

- information you make public in interactive areas (such as a username, avatar, or comment) may be visible to other users;

- as required by law or by judicial or regulatory request;

- to protect the rights, property, and safety of the Company, our users, or the public;

- as reasonably necessary in connection with a merger, asset sale, financing, or corporate reorganization; and

- with your consent or at your direction.

We do not sell your personal information. If California law applies to you, you may exercise your "Do Not Sell or Share My Personal Information" rights (see Section 6).

## 4. Social sharing and third-party content

The Services may include social sharing features (such as "like" buttons) and links to third-party content. Your use of these is governed by the terms and privacy policies of those third parties. We are not responsible for third-party content.

## 5. Advertising and analytics

We may use on-site and off-site analytics tools and advertising partners to measure how content performs or, where applicable, to deliver content relevant to your interests. These partners may use cookies or pixels to collect information about your use of our site and other sites (such as IP address, browser, pages viewed, time spent, clicks, and conversions). You can opt out through your browser or our on-site controls (see "Your choices").

## 6. Your rights and choices

- Account information: You can sign in to review or correct your information, or email support@nexoranotes.com to request deletion or deactivation of your account. We may retain certain records where required for legal or tax purposes, and cached or archived copies may persist for a reasonable period.

- Cookies: Most browsers accept cookies by default. You can delete or refuse cookies in your browser settings; disabling necessary cookies may affect site functionality. Where applicable, we provide on-site controls to manage analytics cookies.

- Marketing communications: Every marketing email includes a one-click unsubscribe link.

- Access / correction / deletion / withdrawal of consent: You may submit a request to the email above; we will respond within the time required by applicable law.

- California privacy rights (CPRA/CCPA, if applicable): You may request to access, delete, correct, or limit the use of your personal information, and may direct us not to sell or share it.

## 7. Data retention

Transaction and tax records are kept as required by law; other information is deleted or anonymized once the purpose for which it was collected has been met. Retention periods take into account legal obligations, dispute resolution, and business needs.

## 8. Minors

The Services are intended for users aged 18 and over. We do not knowingly collect personal information from minors.

## 9. Security

We use reasonable measures such as encryption and access controls to protect information, but no method of transmission or storage over the internet can be guaranteed to be completely secure.

## 10. Contact us

For privacy requests or complaints, contact support@nexoranotes.com. You may also lodge a complaint with the regulator in your jurisdiction, where applicable.

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# Refund & Cancellation Policy

Effective date: June 18, 2026

Scope. This policy applies to digital and virtual goods purchased through Nexora Notes (operated by Nexora Media LLC), including but not limited to online courses, templates and materials (one-time digital goods), and membership subscriptions. We do not ship physical goods.

Payments and Merchant of Record. Depending on the product and checkout used, your payment may be processed by a third-party platform or payment provider. Where that provider acts as our Merchant of Record, it is the seller of record for the transaction and may handle billing, taxes, refunds, and disputes under its own policies. Refunds approved under this policy are returned to your original payment method through the relevant provider.

## 1. All sales are final (one-time digital goods)

- Our products are digital goods delivered electronically. Once a product has been accessed, downloaded, unlocked, viewed, or its access/download link has been delivered, the purchase is final and non-refundable.

- By completing your purchase, you expressly request immediate access to the digital content and acknowledge that you thereby waive any statutory right of withdrawal or "cooling-off" period to the fullest extent permitted by applicable law.

- Lack of use, change of mind, accidental purchase of a product you did not intend to buy after access has been granted, or incompatibility you could have checked before buying are not grounds for a refund.

## 2. Membership subscriptions (monthly / annual)

- Cancellation: You may cancel at any time. After cancellation you will not be billed again, and you keep access until the end of the current billing period.

- Refunds: Billing periods already charged are non-refundable, and we do not provide prorated refunds.

- Auto-renewal and trials: Where a trial or promotional period applies, the terms shown on the checkout page govern. If you do not cancel before the trial ends, the subscription renews automatically at the standard price. You are responsible for canceling before renewal.

## 3. Limited exceptions

We will only consider a refund where:

- you were charged in duplicate or in error; or

- the product is entirely inaccessible due to a verified technical fault on our side that we cannot resolve within a reasonable time, and that is not caused by your device, software, network, or settings.

Verified eligible requests will be refunded or, at our discretion, resolved by restoring access or providing a replacement.

## 4. Chargebacks and Merchant of Record

- Please contact us before initiating a chargeback or payment dispute. Filing a chargeback without first contacting us may result in suspension of your account and revocation of access while the matter is reviewed.

- Where a Merchant of Record (for example, Lemon Squeezy, Whop, Paddle, or Stripe Managed Payments) processes your purchase, that provider may independently issue refunds or resolve disputes in accordance with its own policies and applicable law, which may differ from this policy.

## 5. How to request a refund and timing

- How to submit: Email support@nexoranotes.com with your order number, payment email, product name, and reason (with screenshots/evidence if relevant).

- Response time: We will reply within 3 business days and, where a refund is approved, process it within 7 business days (the time for funds to appear depends on your card issuer or payment channel).

- Basis for review: We verify eligibility against our system records, including access logs, course progress, and download/export activity.

## 6. Refund method and fees

- Approved refunds are returned to the original payment method. If the original method is invalid or unsupported, we may offer equivalent account credit or another reasonable alternative.

- Refunds do not include currency-conversion, cross-border, or payment-channel fees. Coupons, bonuses, and expired benefits have no cash value and are not refundable.

- Where an order includes VAT or sales tax, it is handled according to the payment channel and applicable tax rules.

## 7. Abuse and limits

In cases of unusually frequent refund requests, abusive downloading or claims, or excessive chargebacks, we may decline further refund requests, restrict account access, or suspend the Services, without affecting your mandatory statutory consumer rights.

## 8. Mandatory rights in your jurisdiction

If your jurisdiction has mandatory consumer-protection rules that conflict with this policy, those mandatory rules prevail.

(Notice for EU/UK users) Once you have expressly agreed that digital content will be supplied immediately and performance has begun (download/streaming/access), your 14-day right of withdrawal no longer applies. If supply has not yet begun, you may exercise the 14-day right of withdrawal.

## 9. Changes to this policy

We may update this policy as our business and the law evolve, and we will mark the latest "Effective date" on the page. Updated policies apply to orders and renewals occurring after the update; completed past transactions are governed by the policy in effect at the time of the order, unless the law requires otherwise.

## 10. Contact

Nexora Media LLC · support@nexoranotes.com

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# Terms of Service

Effective date: June 18, 2026

By accessing or using our Services, you agree to be bound by these Terms of Service and the documents they reference (including the Privacy Policy and the Refund & Cancellation Policy). If you do not agree, do not use the Services. These Terms do not change any separate written agreement you have with us for a specific product or service.

## 1. Eligibility

The Services are not directed to persons under 18. You represent that you are at least 18 years old, are not suspended from using the Services, and have the capacity to enter into this agreement without violating any other agreement you are party to.

## 2. Accounts

You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for safeguarding your account and password and bear the risk of unauthorized access. Notify us immediately if you discover a security issue.

## 3. Sales terms for premium / paid content

- Pricing and payment: As shown at checkout. You may pay in a single payment or, where offered, through an installment plan.

- Payments and Merchant of Record: Depending on the product and the checkout used, your payment may be processed by a third-party platform or payment provider. Where that provider acts as our Merchant of Record (for example, Lemon Squeezy, Whop, Paddle, or Stripe Managed Payments), that provider is the authorized reseller and seller of record for the transaction and is responsible for billing, payment processing, and the collection and remittance of applicable taxes; its name may appear on your payment statement. Where a sale is processed directly through a payment processor that is not a Merchant of Record (for example, Stripe), Nexora Media LLC is the seller of record, and our company name may appear on your statement. You authorize the applicable provider to charge your selected payment method, including on a recurring or installment basis where applicable, until amounts owed are paid.

- Valid payment method: If verification fails or a method is invalid, an order may be suspended or canceled.

- Refunds: Governed by the Refund & Cancellation Policy. Except as that policy allows, all sales are final and non-cancelable.

- Non-payment: Overdue amounts may result in immediate suspension or termination of access. Suspended or terminated accounts are generally not refunded, and scheduled auto-renewals will stop.

- Error correction: If a charge is incorrect due to an error, we may correct it, adjust the order, or cancel and refund it, or provide equivalent service credit.

- Taxes: You are responsible for applicable taxes not otherwise collected by a Merchant of Record on your behalf.

- Access period: Content marked "lifetime access" means access while Nexora Media LLC continues to operate the relevant site and that course, under these Terms; we reserve the right to adjust or retire content and features. Subscription products are accessible only during the subscription term.

## 4. License and intellectual property

Unless stated otherwise, the Services and their content (text, video, audio, images, code, design, etc.) are the proprietary property of Nexora Media LLC and its licensors, protected by copyright and other laws. We grant you a limited, non-transferable, non-exclusive, revocable license for personal use. You may not: resell, rent, or sublicense; publicly perform or display; create derivative works; download content beyond ordinary page caching where not authorized; or use content outside its intended purpose. We reserve all rights not expressly granted.

## 5. Trademarks

"Nexora Notes," the Nexora Media marks, course names, and the look and feel of the Services constitute trademarks (whether registered or unregistered), service marks, trade names, and trade dress of the Company. They may not be used without written permission.

## 6. Confidential information

For course content, methods, and business information marked "confidential/proprietary" or that should reasonably be considered confidential, you agree to keep it confidential and use it only as permitted. Information that is legally compelled to be disclosed, already known, publicly available, or lawfully provided by a third party is not subject to this restriction. A breach may cause irreparable harm, and we may seek injunctive and other equitable relief.

## 7. Linking and framing

You may create text links to our site on websites that are not misleading, disparaging, or unlawful. Using our marks to link, or framing our site, is prohibited without written permission.

## 8. User content and conduct

You are responsible for content you upload or post and represent that you have the necessary rights. You grant us a worldwide, non-exclusive, royalty-free, sublicensable license to use it for the purpose of providing and promoting the Services. You may not post content that is unlawful, defamatory, infringing, misleading, or that contains malicious code or violates privacy or data rights. We may remove violating content and take action (including restricting or terminating accounts) without notice.

## 9. Third-party content and services

We may display third-party content or link to third-party sites or services; their accuracy and completeness are the responsibility of those third parties. Any dealings between you and a third party are solely between you and that party.

## 10. Disclaimer

The Services are provided "as is" without warranties of any kind, express or implied (including merchantability, fitness for a particular purpose, and non-infringement). We do not warrant that content is accurate, complete, timely, or error-free, or that the Services or servers are free of viruses or harmful components. You should use industry-standard tools to protect yourself.

## 11. Indemnification

You agree to defend, indemnify, and hold harmless Nexora Media LLC and its affiliates, officers, employees, and agents from any claims, losses, or costs (including reasonable attorneys' fees) arising from your use of the Services, your feedback or user content, your breach of these Terms, or your infringement of any third-party right.

## 12. Limitation of liability

To the maximum extent permitted by law: we are not liable for indirect, incidental, special, or consequential damages (including loss of profits, data, or use); and our aggregate liability arising out of these Terms or the Services will not exceed the total amount you actually paid us, if any, to access or use the Services.

## 13. Termination

We may suspend or terminate your account or access to the Services, and block future access, without prior notice. Upon termination, your access to content may stop immediately.

## 14. Modifications

We reserve the right to modify or discontinue all or part of the Services or features at any time, and are not liable for any resulting impact.

## 15. Dispute resolution and arbitration; class-action waiver

Except for claims seeking injunctive/equitable relief or small-claims matters, any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration, and you and we waive any jury trial and any class or representative action. Arbitration will be administered by JAMS under its Consumer Arbitration Rules, governed by the Federal Arbitration Act (FAA). The seat of arbitration is Wyoming, with Sheridan County, Wyoming as the preferred hearing location, and may be conducted remotely or in writing with the arbitrator's permission. The arbitrator may not consolidate claims or conduct class or representative proceedings. You may opt out of arbitration by emailing support@nexoranotes.com within 30 days of first agreeing to these Terms, stating your name and intent to opt out; if you opt out, disputes are handled under Section 16.

## 16. Governing law and jurisdiction

Except for disputes subject to arbitration under Section 15, any dispute relating to the subject matter of these Terms is governed by these Terms and by the laws of the State of Wyoming and applicable U.S. law, without regard to conflict-of-law principles. Any legal or equitable action based on or relating to actual or threatened intellectual-property infringement, misappropriation, or violation, or otherwise relating to these Terms, may be brought only in the state courts of Sheridan County, Wyoming, or the federal courts located in Wyoming (small-claims disputes may be brought in the jurisdiction where you reside); you irrevocably and unconditionally consent and submit to the exclusive jurisdiction of those courts. Those courts also have exclusive jurisdiction over recognition and enforcement of arbitration awards.

## 17. Contact

For questions about these Terms or the Services, contact support@nexoranotes.com.

## 18. Severability and no waiver

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in effect. Our failure to enforce a right on one occasion is not a waiver of that right.

## 19. Entire agreement

These Terms, together with the documents they reference, constitute the entire agreement between you and us regarding the Services.