Terms and Conditions

1. About these terms

Effective date: October 5, 2026

These Terms and Conditions ("Terms") are an agreement between you and Knowledge2Ideas, Inc., a Kansas corporation ("Knowledge2Ideas," "K2I," "we," "us," or "our").

These Terms govern your use of knowledgetoideas.com and knowledge2ideas.com (the "Site"), and any content, programs, tools, communications, and services we offer through the Site (together with the Site, the "Services").

K2I builds and operates learning and professional development businesses, now and in the future (our "Brands"). Each Brand may have its own website and its own terms. Section 3 explains how those terms work with these.

Please read these Terms carefully. Section 16 requires most disputes to be resolved by individual arbitration, not in court, and waives class actions.

2. Accepting these terms

Agreement. By using the Services, creating an account, clicking "I agree" or a similar button, or making a purchase, you agree to these Terms. If you act for a company or other organization, you agree for that organization and confirm you have authority to do so. If you do not agree, do not use the Services.

Eligibility. You must be at least 18 years old and able to form a binding contract to use the Services. The Services are not directed to anyone under 18.

Other policies. Our Privacy Policy and Earnings and Results Disclaimer are part of these Terms.

Changes. We may update these Terms. When we do, we will post the new version here and change the effective date. If a change is significant, we will also give notice by email or on the Site before it takes effect, unless the law requires a faster change. Changes apply going forward, not to disputes that arose before them. Continuing to use the Services after a change takes effect means you accept the updated Terms.

3. Our brands and how their terms apply

K2I operates its Brands under one company. Knowledge2Ideas, Inc. is the party you contract with, whichever Brand you use.

Brand terms. A Brand's website, course platform, or checkout page may have its own terms, such as pricing, refund rules, subscription and renewal terms, program rules, or community guidelines ("Brand Terms"). Brand Terms add to these Terms. If Brand Terms conflict with these Terms on a matter specific to that Brand's products, the Brand Terms control for that matter.

Client agreements. If you or your organization signs a proposal, statement of work, master services agreement, or similar contract with us (a "Client Agreement"), that Client Agreement governs the work it describes. If it conflicts with these Terms, the Client Agreement controls.

Order of priority. When documents conflict, they apply in this order: (1) a signed Client Agreement, (2) Brand Terms, and (3) these Terms.

Sponsoring organizations. If an employer, school, workforce agency, or other organization (a "sponsoring organization") enrolls you or pays for your access, that organization's agreement with us and its own policies may also apply to you.

Changes to the Services. We may add, change, pause, or discontinue any Brand, program, or feature at any time. Where you have prepaid for access that we discontinue, the applicable Brand Terms or Client Agreement govern any credit or refund.

4. Accounts

Accurate information. Some Services require an account. You agree to give accurate, current information and to keep it updated. You may not use a false identity or impersonate anyone.

One person per login. Your login is for you alone. You may not share it or let others use your access unless a Client Agreement or Brand Terms allow it, for example a team license.

Security. You are responsible for keeping your login details confidential and for activity under your account. Tell us right away at [email protected] if you believe someone has used your account without permission.

Suspension. We may suspend or close an account if you breach these Terms, fail to pay amounts due, or use the Services in a way that could harm K2I, other users, or third parties. Where reasonable, we will tell you why and give you a chance to fix the problem first.

5. Purchases, subscriptions, and refunds

Pricing. Prices are in U.S. dollars unless stated otherwise. We show the price, taxes, and any fees before you buy. We may change prices at any time, but a change does not affect an order already confirmed.

Payment. Payments are processed by third-party payment processors. We do not store full card numbers. Access begins once payment is confirmed. You are responsible for fees from failed or reversed payments.

Subscriptions and memberships. Some Brands may offer subscriptions, memberships, or payment plans. The checkout page and Brand Terms for that offer state the billing amount, billing frequency, renewal terms, and how to cancel. Before you buy any offer that renews automatically, we will clearly show those terms and get your consent. We will send any renewal reminders the law requires. You can cancel as the Brand Terms describe, and cancellation stops future charges.

Payment plans. If you choose a payment plan, you agree to pay every installment, even if you stop using the program, unless the Brand Terms say otherwise. We may pause access while a payment is past due.

Refunds. Refund rules are set by each Brand and offer, and are stated in the Brand Terms or at checkout. If no refund rule is stated for a purchase, contact [email protected] and we will review your request in good faith. Nothing in these Terms limits any refund right the law gives you.

Chargebacks. Please contact us before disputing a charge with your bank, so we can try to resolve the issue. We may suspend access while a payment dispute is open.

6. Learning content, assessments, and certificates

Educational purpose. Our courses, programs, videos, workbooks, and coaching are for education and professional development. Results depend on your own effort and circumstances.

Behavioral and personality assessments. Some Services include assessments of behavioral style or work preferences, such as DISC-based assessments. These assessments:

• describe tendencies and preferences, not ability, intelligence, character, or worth;
• are not psychological, medical, or clinical tests, and do not diagnose or treat any condition;
• are not designed or validated as the sole basis for hiring, promotion, discipline, or other employment decisions, and should not be used that way; and
• should be considered alongside other information and your own judgment.

If you use assessment results within an organization, you are responsible for using them fairly and in line with employment and anti-discrimination laws.

Certificates and credentials. When you complete certain programs, we may issue a certificate, badge, or similar record (a "Certificate"). A Certificate confirms only that you completed the program's requirements as of the date shown. Unless the program page expressly states otherwise in writing:

• a Certificate is issued by K2I, not by any government agency, licensing board, accrediting body, or college;
• it is not a professional license, a degree, or academic credit;
• it does not guarantee employment, a promotion, a raise, or acceptance by any employer, school, or agency; and
• references to government frameworks, standards, or initiatives describe how a program's content was designed, and do not mean that agency endorses, approves, or certifies the program or K2I.

Where a program is delivered under a sponsoring organization's grant, apprenticeship, or workforce program, that program's own rules decide whether a Certificate counts toward its requirements.

We may revoke a Certificate earned through cheating, misrepresentation, or a breach of these Terms.

7. No professional advice; no guaranteed results

Not professional advice. The Services give general information and education. They are not legal, financial, tax, medical, mental health, or other professional advice. Talk to a qualified professional before acting on any matter that needs one.

Results and earnings. We do not promise or guarantee any particular income, business, career, or personal result. Any examples, testimonials, or case studies describe the experience of specific people and are not typical or a promise of what you will achieve. Your results depend on your skills, effort, decisions, market conditions, and many other factors outside our control. See our Earnings and Results Disclaimer for more detail, which is part of these Terms.

Testimonials. Where someone who gives a testimonial received payment, free access, or another benefit, or has a business relationship with us, we will disclose that connection as the law requires.

8. Agency services and client platforms

Scope. K2I provides consulting, training, content, and platform services to outside organizations ("Agency Services"). The scope, fees, deliverables, timelines, and ownership of work product for any Agency Services are set out in a Client Agreement. This section applies alongside it.

Client responsibilities. You agree to give us timely access to the accounts, information, and approvals we reasonably need; to review deliverables within agreed timelines; and to make sure materials you provide do not infringe anyone's rights. Delays caused by missing access or approvals do not count against our timelines.

Client-managed accounts. Where we set up a platform account for your organization, we may keep administrative access to maintain and support it, while your team manages day-to-day use. You are responsible for what your users do in the account, for the content and contacts you add, and for following the laws that apply to your communications.

White-label platform. Some Services run on a white-labeled software platform provided by a third party, currently HighLevel ("Platform Provider"). The Platform Provider owns and operates the underlying software and servers. As a result:

• the Platform Provider's own terms and privacy policy also apply to data stored on the platform;
• we are not responsible for outages, data loss, security incidents, or feature changes that originate with the Platform Provider;
• we provide first-line support and will raise platform issues with the Platform Provider where reasonable; and
• we will try to tell you about material platform changes, but we cannot control them.

Other third-party platforms. Agency Services may connect to advertising, social, email, or analytics platforms such as Google or Meta. Those platforms have their own terms. We are not responsible for their policy changes, outages, or account suspensions, including suspensions caused by your content or past account history.

9. Text messages

Our messages to you. If you opt in, we may send text messages about account and course notifications, appointment and session reminders, customer support replies, and marketing and promotions. Message frequency varies. Message and data rates may apply. Reply STOP to any message to opt out, and we will confirm and stop sending. Reply HELP for help, or email [email protected]. Agreeing to receive texts is not a condition of any purchase. Carriers are not liable for delayed or undelivered messages.

Mobile data. We do not sell or share mobile numbers, text-message opt-in data, or consent records with third parties or affiliates for marketing or promotional purposes. We share them only with the providers that deliver our messages, as our Privacy Policy describes.

Clients who send texts through our platforms. If you use a platform we provide to text your own contacts, you are responsible for complying with the Telephone Consumer Protection Act, the CAN-SPAM Act, carrier rules, and all other messaging laws. In particular, you must:

• get each recipient's prior express consent, in writing where the law requires it, before texting them;
• use opt-in language that states the kinds of messages, how often they are sent, that message and data rates may apply, and how to opt out;
• honor opt-out requests immediately and not contact that person again through other channels without new consent; and
• follow any quiet-hours and content rules that apply.

We may pause or stop messaging from any account that we reasonably believe is violating these rules.

10. Acceptable use, content, and intellectual property

Acceptable use. You agree not to:

• break any law or infringe anyone's intellectual property, privacy, or publicity rights;
• send spam or unsolicited commercial messages;
• harass, threaten, or harm others, or misrepresent who you are;
• upload viruses or malicious code, or try to gain unauthorized access to the Services or other accounts;
• scrape, crawl, or copy the Services with automated tools without our written permission;
• reverse engineer the Services, except where the law allows it; or
• use the Services or our content to build a competing product or service.

Our content. The Services and their content, including courses, videos, characters, frameworks, workbooks, assessments, text, graphics, logos, and software, belong to K2I or its licensors and are protected by intellectual property laws. The names and logos of K2I and its Brands are our trademarks. You may not use them without our written permission.

Your license. Subject to these Terms and payment of any fees, we give you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the content you are entitled to, for your own learning or internal business purposes. You may not copy, share, resell, record, publicly show, or create derivative works from our content, or remove copyright notices, unless a Client Agreement or Brand Terms allow it. Some content includes third-party material licensed to us, which may carry extra limits.

Your content. You keep ownership of content you post or submit, such as assignments, reflections, community posts, or comments ("Your Content"). You give us a non-exclusive, worldwide, royalty-free license to host, store, display, and process Your Content to run and improve the Services. We will not use Your Content to identify you in public marketing, such as a testimonial with your name or image, without your separate permission. You are responsible for Your Content and confirm you have the right to share it.

Content rules and removal. Your Content may not be illegal, defamatory, hateful, harassing, obscene, misleading, or infringing. We may review, remove, or refuse any content, and may suspend access for breaches, but we are not required to monitor content.

Feedback. If you send us ideas or suggestions, we may use them without any obligation to you.

Copyright complaints. If you believe content on the Services infringes your copyright, send our designated agent: your signature; the copyrighted work; the material you believe infringes and where it appears; your contact details; a statement of good-faith belief that the use is not authorized; and a statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act for the owner. Send notices to: Copyright Agent, Knowledge2Ideas, Inc., 3965 W. 83rd St. #303, Prairie Village, KS 66208, [email protected].

11. Third parties and privacy

Third-party services and links. The Services may link to or rely on websites, tools, and platforms we do not operate. Their own terms and policies apply. We are not responsible for their content, availability, or practices.

Privacy. Our Privacy Policy explains how we collect and use personal information. If you enroll through a sponsoring organization, we share your enrollment, progress, and completion records with that organization, as the Privacy Policy describes.

12. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT THE LAW ALLOWS, K2I DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT THEY WILL MEET YOUR GOALS. SOME STATES DO NOT ALLOW THESE EXCLUSIONS, SO SOME MAY NOT APPLY TO YOU.

13. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS, K2I AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THEIR POSSIBILITY.

OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICES GIVING RISE TO THE CLAIM IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) $100.

These limits do not apply where the law does not allow them, including liability for gross negligence, willful misconduct, or fraud. A signed Client Agreement may set different limits for Agency Services.

14. Indemnification

You agree to defend, indemnify, and hold harmless K2I and its officers, directors, employees, contractors, and agents from claims, losses, and expenses, including reasonable attorneys' fees, that arise from: your breach of these Terms; Your Content; your violation of any law or third-party right; or messages you send, or contacts you add, through a platform we provide. We may take control of the defense of any such claim at your expense, and you will cooperate. You may not settle a claim that affects us without our written consent.

15. Termination

You may stop using the Services at any time. Subscriptions and memberships are cancelled as the Brand Terms describe. We may suspend or end your access if you breach these Terms, as section 4 describes. Ending access does not cancel amounts already owed. Sections that by their nature should continue, including payment, intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution, survive termination.

16. Disputes

Governing law. Kansas law governs these Terms and any dispute about the Services, without regard to conflict-of-law rules. The Federal Arbitration Act governs this section.

Informal resolution first. Before starting arbitration or a lawsuit, you agree to email [email protected] with your name, contact details, a description of the dispute, and the outcome you want. We will do the same if we have a claim against you. Both of us will try in good faith to resolve it for 30 days after the notice is received.

Binding arbitration. If the dispute is not resolved within 30 days, it will be decided by binding individual arbitration administered by the American Arbitration Association under its applicable rules, including its Consumer Arbitration Rules where they apply. The arbitration will take place in Johnson County, Kansas, or by video or written submissions if you prefer. The arbitrator's decision is final and may be entered in any court with jurisdiction. Fees are paid as the applicable AAA rules provide.

Small claims and other exceptions. Either of us may bring an individual claim in small claims court instead, if it qualifies. Either of us may also go to court to stop infringement or misuse of intellectual property, or to seek urgent injunctive relief.

Class action waiver. Claims may be brought only on an individual basis, not as a plaintiff or class member in any class, collective, or representative proceeding. If this waiver is found unenforceable for a claim, that claim will go to court, not arbitration, and the rest of this section still applies to other claims.

Jury trial waiver. To the extent the law allows, you and K2I waive any right to a jury trial for claims that go to court.

Court venue. Any claim that is not arbitrated will be brought only in the state courts in Johnson County, Kansas, or the United States District Court for the District of Kansas, and both of us consent to those courts' jurisdiction.

Opt out. You may opt out of arbitration by emailing [email protected] within 30 days after you first accept these Terms, with your name and a statement that you opt out.

17. General terms

• Entire agreement. These Terms, the Privacy Policy, the Earnings and Results Disclaimer, and any applicable Brand Terms or Client Agreement are the whole agreement about the Services.
• Severability. If a court or arbitrator finds part of these Terms unenforceable, that part is limited as little as needed, and the rest stays in effect.
• No waiver. Not enforcing a term is not a waiver of our right to enforce it later.
• Assignment. You may not transfer these Terms without our written consent. We may transfer them in a merger, acquisition, or sale of assets.
• Independent parties. These Terms create no partnership, employment, agency, or joint venture.
• Events beyond our control. We are not liable for delays or failures caused by events outside our reasonable control, including outages of third-party platforms.
• Electronic notices. You agree to receive notices, agreements, and records electronically. Notices to us must go to [email protected] or our mailing address.
• Headings. Headings are for convenience and do not change the meaning of these Terms.

18. Contact us