TERMS AND CONDITIONS:

YOUR ACCESS TO AND USE OF THE COMPANY SITES AND MATERIALS ARE CONDITIONED ON YOUR ACCEPTANCE OF AND COMPLIANCE WITH THESE TERMS. BY ACCESSING OR USING THE COMPANY SITES AND MATERIALS YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THE TERMS HEREIN, YOU AGREE THAT YOU WILL NOT ACCESS OR USE THE COMPANY SITES AND MATERIALS, AND YOU UNDERSTAND THAT YOU ARE PROHIBITED FROM ACCESSING ANY WEBSITES OR MATERIALS PROVIDED BY THE COMPANY.

1. GENERAL

You acknowledge and agree that you are solely responsible for your use of the Company Sites and related educational materials, including those associated with the Game Changer. Your use of these sites and materials is conditional upon your ability to enter into a legally binding contract with the Company. By accessing or utilizing any websites or materials provided by Thomas Kralow LLC (the “Company” or “We” or “Us”), including its subsidiaries, affiliates, joint ventures, and all respective officers, directors, employees, agents, and representatives (collectively, “Company Affiliates”), you agree to be bound by these Terms & Conditions ("Terms"). Without limitation, these websites include https://gamechangercommunity.com/community, https://www.gamechangercommunity.com/gc, https://gamechangercommunity.com, along with any subdomains or translations thereof, which provide users with access to the Company's products, services, subscriptions, content, and features (collectively, “Company Sites and Materials”).

The Company reserves the right, at its sole discretion, to modify or amend these Terms at any time by updating this posting or by providing notification via the contact information on record for you. Your continued use of the Company Sites and Educational Materials following any such modifications will constitute your acceptance of the updated Terms. The Company Sites and Educational Materials, including the Game Changer, are neither intended for nor designed to be used by individuals under the age of 18. By accessing or using the Company Sites and Educational Materials, you represent and warrant that you are at least 18 years of age.

2. GENERAL DISCLAIMER

The Company is not a financial, tax, legal, or investment advisor and does not provide personalized financial, tax, legal, or investment advice in any form. The Company does not provide personalized financial, tax, or legal advice and does not guarantee specific outcomes from the educational content provided within Game Changer. You understand and acknowledge that the content provided within Game Changer, including various educational programs in finance, marketing, and personal development, is solely for informational and educational purposes.

You acknowledge and agree that you, and not the Company, are solely responsible for applying any knowledge gained from the educational materials. The Company encourages you to perform independent research before making any financial decisions. The Company assumes no responsibility or liability for the results of your personal or professional endeavors, and you agree to hold the Company harmless for any such outcomes or losses.

The methods, techniques, information, and content provided within the Game Changer are not to be construed as financial or professional advice. Nothing in the educational materials is intended to be a promise or guarantee of specific results. You are solely responsible for your decisions, and the Company makes no representations regarding future success or outcomes based on the provided information.

3. INTELLECTUAL PROPERTY, HYPERLINKS & LINKS TO OTHER WEBSITES

All content available on the Company Sites and Materials, including, but not limited to, User Submissions (as defined below), third-party applications, and any other content, as well as all associated copyrights, trademarks, service marks, and other intellectual property rights, are the exclusive property of the Company and/or its third-party licensors or providers, unless otherwise expressly indicated. Access to and use of such content is granted solely for personal, non-commercial purposes, except as expressly permitted within the scope of the Company’s affiliate marketing program. The Company reserves the right to control the use of materials provided for affiliate marketing, and users may only use such materials in accordance with the program's terms. Any use outside of these terms requires the Company’s written consent.

The Company and/or its third-party licensors reserve all rights not explicitly granted herein. Any unauthorized modification, reproduction, distribution, or other use of the content, outside the parameters specifically granted under these Terms, constitutes a violation of the Company's intellectual property rights and may result in legal liability.

The Company Sites and Materials may include links to third-party websites. The provision of such links does not imply any endorsement, affiliation, or approval of the services or products offered by those third parties. The Company exercises no control over third-party websites, and they may operate under different privacy practices. Users are encouraged to review the privacy policies of any third-party websites they access, as the Company assumes no responsibility for the actions or policies of these third parties.

4. USER SUBMISSIONS AND OTHER CONTENT

The Company Sites and Materials may permit users to submit content, including but not limited to comments, articles, links, and discussions in chat rooms (“User Submissions”). By posting any User Submissions, you grant the Company an irrevocable, worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such User Submissions in any media or distribution methods (now known or later developed). The Company reserves the right, at its sole discretion and without further notice, to monitor, censor, edit, move, and/or remove any content posted on the Company Sites and Materials, including User Submissions, at any time for any reason.

The Company does not guarantee the completeness, truthfulness, accuracy, usefulness, or reliability of any User Submissions or other content posted by users, and does not endorse any opinions expressed in User Submissions. You acknowledge that by using the Company Sites and Materials, you may encounter content that is offensive, harmful, inaccurate, or otherwise inappropriate. The Company is not obligated to monitor or control User Submissions.

The Company is entitled to send messages, including marketing newsletters, to users, and by accepting these Terms, you provide your consent to receive such communications unless you explicitly opt out.

Special Conditions Regarding the Use of WhatsApp and Other Communication Channels:
By accepting these Terms, the User consents to receiving messages via WhatsApp, Telegram, Discord, or other channels from the Company and its affiliates. The User understands and agrees that messages from Thomas Kralow LLC and/or its affiliates may be delivered through these platforms.

5. TRANSPARENCY AND RESULTS CLAIMS

In order to promote transparency in the educational process, the Company may request that users provide feedback or other verification regarding their participation in courses and application of the knowledge gained from Game Changer. If you fail to provide such verification, the Company reserves the right to take any of the following actions: (1) suspend or disable any account you have established through the Company Sites and Materials; (2) remove any content you post, including testimonials or feedback related to your educational progress.

Despite the Company’s commitment to transparency, the Company does not guarantee the accuracy of, and shall not be liable for, any user-submitted content regarding educational outcomes or personal achievements based on the courses offered.

In addition, while the Company Sites and Materials may occasionally refer to the personal experiences or achievements of Thomas Kralow or other representatives, such references are for illustrative purposes only. They should not be interpreted as promises or guarantees of similar results for any user. Educational success depends on a variety of factors, including individual effort and application of the knowledge gained from the courses.

6. ACCESS TO CONTENT

Upon successful payment of the subscription fee, you will receive immediate and full access to all available content within the Game Changer platform. Access to content is granted on a subscription basis, which automatically renews on a regular billing cycle. The subscription fee is non-refundable once access has been granted. Should any future payment not be successfully processed or if you fail to make timely payments, your access to the platform may be suspended. In such a case, access will be restored only upon receipt of the outstanding payment(s). The Company reserves the right to limit or restrict access to any new content, features, or updates if subscription payments are not up-to-date.

To ensure uninterrupted access to all materials, it is important that payments are made on or before the due date. Game Changer does not offer installment plans, and all payments must be processed as single transactions for each billing cycle.If you choose to cancel your subscription, access to the content will remain available until the end of the current billing period.

The Company reserves the right to modify, suspend, or discontinue the Game Changer subscription service, in whole or in part, at any time without prior notice. This includes the addition or removal of features, content, or services. In the event of such changes, you will not be entitled to a refund for any prepaid subscription fees, and your sole remedy will be to discontinue your subscription. The Company shall not be held liable for any consequences resulting from such modifications, suspensions, or discontinuations.

7. PAYMENT PLAN AND TERMINATION

If you have signed up for an educational program, you are required to pay the full subscription fee in a single payment for each billing cycle. Game Changer does not offer installment payment plans. Access to the program is granted on a subscription basis, and if no payment is made, your access will automatically terminate at the end of the current billing period. You will retain access for an additional week after termination. The Company reserves the right to pursue any outstanding fees as permitted by law.

To terminate your subscription, you may simply cease payment, and access will be automatically discontinued at the end of the current billing period. No refunds will be provided for any unused portion of the subscription, and the decision to renew or cancel remains entirely at your discretion. If you have any questions or need assistance with your cancellation, you can notify us by email at support@thomaskralow.com

The Company also reserves the right to terminate your access to and use of the Company Sites and Materials at any time. Causes for such termination may include, but are not limited to: (i) breaches or violations of these Terms, other agreements, or guidelines; (ii) requests by law enforcement or regulatory authorities; or (iii) unauthorized use or infringement of copyrights or other intellectual property. Termination or cancellation of your account or services by the Company does not relieve you of your obligation to pay any outstanding fees or charges. Upon termination, you may no longer access or use the Company Sites and Materials.

You are solely responsible for ensuring that all payments associated with your subscription account are valid and authorized. Any charges made under your account, whether or not you personally authorized the specific transaction, remain your responsibility. The Company assumes no liability for any unauthorized charges made through your account. If you fail to meet your payment obligations, your access to the service will be terminated, and it is your responsibility to provide valid payment information to ensure continued service.

8. REFUND POLICY

8.1. Refund Eligibility
The User is entitled to a refund under the conditions outlined in this document. Requests for refunds will be considered under the following circumstances:

8.1.1. Technical malfunctions: If technical issues occur that prevent the User from accessing the content, and the problem cannot be resolved within a reasonable timeframe as determined by the Company, the User is entitled to a full refund of the amount paid.

8.1.2. Denial of access by the Company: If the Company denies the User access to the selected course, the User is entitled to a full refund of the amount paid.

8.1.3. Physical health issues: If the User is unable to continue the course due to a documented medical condition that prevents them from participating, the User may be entitled to a partial or full refund based on the circumstances and the amount of course content already accessed.

8.2. Refund Procedure

To initiate a refund, the User must submit a written request detailing the reason for the refund, along with any supporting documentation (e.g., medical certificates), by sending an email to support@thomaskralow.com. The Company will review the refund request within 45 calendar days from the date of its receipt. If the request is approved, the Company will process the refund to the same account or card used for the original payment within 100 calendar days.

Refunds will not be issued if the User has violated any terms of this document. The Company reserves the right to refuse a refund in such cases.

8.3. Consent to Immediate Provision of Services and Waiver of the Right to Withdraw

By subscribing to our services or purchasing digital content, you explicitly consent to the immediate provision of access to digital content and/or services. You acknowledge and agree that, by doing so, you waive your right to withdraw from the contract within the 14-day "cooling-off" period provided by Directive 2011/83/EU on consumer rights.

8.4. Amendments to the Refund Policy
The Company reserves the right to amend this refund policy unilaterally. Any changes will take effect upon publication of the revised terms on the Company’s website.

9. SUBSCRIPTIONS

In connection with any purchase of services or materials from the Company, the Company does not make any promise regarding the continuation of any current features or functionality or delivery of any future functionality or features.

If you purchase a subscription to any Company service or material, by authorizing the Company to charge a payment card for the fees associated with your subscription(s), you are authorizing the Company to automatically continue charging that card (or any replacement card issued by the card issuer) for all fees or charges associated with your subscription, including any renewal fees as described below. The Company may at any time change any of its pricing, or institute new charges or fees. Price changes and new charges announced during your subscription term for a service will apply to subsequent subscription terms. During the term of your subscription, you agree to inform the Company of any payment card information changes.

You have the right to cancel your subscription at any time by electing to discontinue payments. In the event you choose not to renew, access to the platform will automatically terminate at the conclusion of the current billing cycle. Notwithstanding the termination, you will retain access to the platform for an additional seven days following the end of the last paid period.

If you cancel or terminate a subscription, you acknowledge and agree that any refunds will be in the Company's sole discretion. Your obligations hereunder, including your obligation to pay amounts owed to us under these Terms for the use of or access to our services or materials, including subscriptions, shall survive expiration or termination of these Terms and your cessation of use of the Company Sites and Materials.

You are responsible for the payment of any taxes associated with the purchase of services or materials from the Company.
To terminate your subscription, you must notify us by email: support@thomaskralow.com and follow further instructions.

10. RESPONSIBILITY AND DUTIES OF THE CUSTOMER

By accessing and utilizing the Game Changer educational platform, you hereby acknowledge and agree to the following responsibilities and obligations:

You are solely responsible for ensuring the payment of all fees in accordance with the applicable payment plan or subscription model selected at the time of purchase.

By providing the Company with your personal information, you confirm that such information is accurate, complete, and truthful. You agree to update this information promptly in the event of any changes.

The platform and its associated content are made available for your personal, non-commercial educational use only. Commercial use of the platform, its content, or any related materials is strictly prohibited, except where explicitly permitted under the Company’s affiliate marketing program or as otherwise expressly authorized in writing by the Company. You further agree not to use any personal information or data obtained through the platform about other users, including their names, contact details, or any other sensitive information, for commercial, advertising, or promotional purposes without their explicit consent.

You agree to treat all communications, emails, and messages received through the platform as strictly confidential. You will not disclose any personal information of other users, such as names, contact details, or other sensitive information, to any third party without their express consent.

In your use of the platform, you agree not to:

Distribute, share, or transmit any immoral, obscene, defamatory, or otherwise illegal content or material.
Harass, threaten, or infringe upon the legal rights of other users.
Upload any data or content that contains viruses, malware, or proprietary content protected by intellectual property laws without the necessary authorization.
Send unsolicited commercial messages, chain letters, or any communications that serve a commercial purpose, unless expressly permitted by the Company.
Intercept, attempt to intercept, or interfere with any communications or transmissions between other users.
In the event that you materially breach these Terms, or violate any applicable laws in connection with your use of the platform, the Company reserves the right to take appropriate remedial actions, including but not limited to:
Issuing a formal warning or directive to cease non-compliant activities.
Removing or deleting any content you have submitted in violation of these Terms.
Temporarily suspending your access to the platform while investigating any alleged violations.
Permanently terminating your access to the platform without refund if it is determined that serious misconduct or misuse has occurred.

You are responsible for regularly retrieving and archiving any important messages or communications. In the event that your account remains inactive for a period of twenty-four (24) months, all data associated with your account will be automatically deleted, and your access to the platform will be terminated.

11. SECURITY

No measures designed to protect, secure, or preserve the integrity or confidentiality of information, including methods of transmission over the Internet or method of electronic storage, can guarantee the security of your information. The Company makes no assurances regarding the security of your information.

12. DISCLAIMER OF WARRANTIES

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE CONTENT, PRODUCTS, TOOLS, AND SERVICES MADE AVAILABLE THROUGH THE COMPANY’S SITES AND MATERIALS, INCLUDING BUT NOT LIMITED TO THE GAME CHANGER EDUCATIONAL PROGRAMS, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE COMPANY’S SITES OR MATERIALS, OR THE INFORMATION, CONTENT, PRODUCTS, OR SERVICES INCLUDED THEREIN, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION CONTAINED IN OR MADE AVAILABLE THROUGH THE COMPANY’S SITES OR MATERIALS.

THE COMPANY DOES NOT WARRANT THAT THE COMPANY’S SITES, PRODUCTS, OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU AGREE THAT YOUR USE OF THE COMPANY’S SITES AND MATERIALS IS AT YOUR SOLE RISK.

13. LIMITATION OF LIABILITY

NEITHER THE COMPANY, NOR ITS AFFILIATES, NOR ANY OF THEIR SUPPLIERS, ADVERTISERS, OR SPONSORS SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE COMPANY SITES AND MATERIALS, OR ANY CONTENT, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE COMPANY, WHETHER UNDER CONTRACT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES FOR LOST PROFITS, LOST REVENUE, LOSS OF CAPITAL, LOSS OF BUSINESS OPPORTUNITIES, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR OTHER SIMILAR DAMAGES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The Company complies with all applicable consumer protection laws, providing users with the necessary rights and information in accordance with the current legislation. The Company adheres to advertising regulations, ensuring that all information provided about its services is accurate and reliable. In the event of any disputes or claims, the Company commits to resolving them in accordance with the applicable laws, and will provide users with a clear mechanism for submitting and addressing such claims.
The Company reserves the right to amend this section in accordance with U.S. legislation. Any changes will become effective upon publication on the official website.

14. INDEMNIFICATION

As a condition of your use of any of the Company’s Sites and Materials, you agree to indemnify, defend, and hold harmless the Company, its affiliates, and their respective officers, directors, employees, agents, and representatives from and against any and all losses, claims, judgments, liabilities, costs, damages, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your breach or violation of these Terms; (b) your use of or reliance upon any of the Company’s Sites and Materials; (c) your violation of any third-party rights, including but not limited to intellectual property, privacy, or other proprietary rights; (d) any claim that your User Submissions caused harm or damage to a third party; or (e) any claim or demand by a third party arising from your use of any third-party website linked through the Company’s Sites.

This obligation to indemnify, defend, and hold harmless will survive the termination or expiration of these Terms and your cessation of use of the Company’s Sites and Materials.

15. MISCELLANEOUS

Except as otherwise provided herein, you agree that any controversy or claim, whether at law or equity, arising out of or related to the provision of services or materials by Company, regardless of the date of accrual of such dispute, shall be resolved in its entirety by individual (not class -wide nor collective) binding arbitration.

You and We agree that our sole relationship is a contractual one governed by these Terms. Any controversy or claim arising out of or related to the provision of services or materials by Us shall be resolved solely based on these Terms.

ALL DISPUTES WITH TK ARISING IN ANY WAY FROM OR IN ANY WAY RELATED TO THIS AGREEMENT SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION, AND NOT BY A COURT OR JURY.
ANY SUCH DISPUTE SHALL NOT BE COMBINED OR CONSOLIDATED WITH A DISPUTE INVOLVING ANY OTHER PERSON'S OR ENTITY'S PRODUCT OR CLAIM, AND SPECIFICALLY, WITHOUT LIMITATION OF THE FOREGOING, SHALL NOT UNDER ANY CIRCUMSTANCES PROCEED AS PART OF A CLASS ACTION. THE ARBITRATION SHALL BE CONDUCTED BEFORE A SINGLE ARBITRATOR; WHOSE AWARD MAY NOT EXCEED, IN FORM OR AMOUNT, THE RELIEF ALLOWED BY THE APPLICABLE LAW.

The arbitration shall be conducted according to the American Arbitration Association (AAA) Commercial Arbitration Rules applicable to consumer disputes. The AAA Rules are available online at adr.org or by calling the AAA at1-800-778-7879. This arbitration provision is entered pursuant to the Federal Arbitration Act. The arbitrator shall decide all issues of interpretation and application of this arbitration provision.For any arbitration in which your total damage claims, exclusive of attorney fees and expert witness fees, are $5,000 or less (“Small Claim”), the arbitrator may, if you prevail, award your reasonable attorney fees, expert witness fees and costs as part of any award, but may not grant TK its attorney fees, expert witness fees or costs unless it is determined that the claim was brought in bad faith. In a Small Claim case, you shall be required to pay no more than half of the total administrative, facility, and arbitrator fees, and TK shall pay the remainder of such fees. Administrative, facility, and arbitrator fees for arbitrations in which your total damage claims, exclusive of attorney fees and expert witness fees, exceed $5,000 ("Large Claim") shall be determined according to AAA rules. In a Large Claim case, the arbitrator may grant to the prevailing party or apportion among the parties, reasonable attorney fees, expert witness fees, and costs. Judgment may be entered on the arbitrator's award in any court of competent jurisdiction.

This arbitration provision also applies to claims against TK's employees, representatives, and affiliates if any such claim arises from the Product's sale, condition or performance.

You may opt-out of this dispute resolution procedure by providing notice to TK no later than 30 calendar days from the date of the first consumer purchaser's purchase of the Product. To opt -out, you must send notice by e-mail to support@thomaskralow.com, with the subject line: “Arbitration Opt Out.” You must include in the opt-out e-mail (a) your name, address, and e-mail address used in connection with the Service and (b) the date on which you began using the Service.

The advice of Counsel. EACH PARTY ACKNOWLEDGES THAT, IN EXECUTING THIS AGREEMENT, SUCH PARTY HAS HAD THE OPPORTUNITY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL, AND HAS READ AND UNDERSTOOD ALL OF THE TERMS AND PROVISIONS OF THIS AGREEMENT. THIS AGREEMENT SHALL NOT BE CONSTRUED AGAINST ANY PARTY BY REASON OF THE DRAFTING OR PREPARATION HEREOF.

These Terms constitute the entire agreement between you and the Company relating to your use of the Company Sites and Materials and supersedes any and all prior or contemporaneous written or oral agreements on that subject between us. If any provision of the Terms is found to be unlawful, void, or for any reason is unenforceable, then that provision shall be deemed severable from the Terms and shall not affect the validity and enforceability of any remaining provisions.

DISCLAIMER

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The Company is not a financial, tax, legal advisor, nor a broker-dealer, and does not providfpare personalized advice in any form. The Company does not make recommendations or guarantees regarding specific outcomes. Participation in educational courses, including those focused on affiliate marketing, personal branding, and financial literacy, requires personal effort and responsibility. You acknowledge that you, and not the Company, are solely responsible for applying the knowledge gained from these courses to your own situations. All actions and decisions should be made with careful consideration, and the Company assumes no liability for your outcomes.

The Company strongly advises you to thoroughly research and understand all potential risks before taking any actions based on the educational materials provided. The Company assumes no responsibility or liability for the outcomes or results of applying the knowledge gained, and you agree to hold the Company harmless for any such outcomes or losses.

Individual results may vary. Past performance of Thomas Kralow or any published results by the Company are not indicative of future returns for Thomas Kralow, his system, or for you. Furthermore, the methods, techniques, information, content, indicators, strategies, columns, articles, and all other features of the Company’s sites and materials, or any Company product or service (collectively, the "Information"), are provided solely for informational and educational purposes and should not be construed as investment advice. You should not rely on the Information when making any financial decisions. Instead, you are advised to conduct additional independent research to form your own opinions.

You are solely responsible for your own educational decisions, and nothing in the Information provided by the Company is intended to be, nor should it be interpreted as, a promise or guarantee of any specific result or outcome.