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IOTAF Service Agreement

conditions of the contract

1. SERVICES: IOTAF provides courses regarding trading and financial markets. IOTAF is not required to assign any teacher to any given class, and will thus decide, in its sole and absolute discretion, which teacher will be assigned to the courses the customer receives during the program(s).

2. COPYRIGHT: IOTAF may, from time to time, provide the customer with a course pack or other materials. Such course pack or other materials which IOTAF provide to the customer are protected by the Copyright Act. The disclosure of any such course packs or other materials to any third parties whatsoever by any means whatsoever, in whole or in part, without the express written authorization of IOTAF is strictly prohibited and shall be deemed to constitute a copyright infringement.

3. TERM : This contract shall enter into force as of the date of its signature and shall remain in force until the last day of the subscription.

4.PAYMENTS: The full payment is due prior to the first day of access to AGORA. Payment is 100% NONREFUNDABLE.

5. IOTAF FINANCED courses that are paid on a monthly, quarterly or semi-annual basis cannot be canceled for any reason prior to the end of the 12 month course.

6. DEFAULT :The customer shall be in default in the event that it fails to respect any of its undertakings or fulfill any of its obligations under the terms of this contract or in the event that it fails to respect the regulations and rules that IOTAF has put in place . In the event of any such default, IOTAF shall have the right to expel the customer from the program(s) in which it is enrolled and to obtain payment of any and all amounts which the customer owes it at the time of such default.

7. NOTICE: The customer shall immediately notify IOTAF in writting of any change regarding its address.

8. CANCELLATION: The total amount for the Agora subscription is non-refundable. By signing this contract, you agree to these and all terms.

• FUNDSTRADED:The customer shall only trade its own money/funds and shall not trade the money/funds of any other individual or entity whatsoever.

• LIMITATION OF LIABILITY AND RISK: The customer accepts that IOTAF shall not be liable in any way whatsoever for any loss which the customer incurs while it participates in the program(s) mentioned in section 1 above or following such participation. In addition, the customer accepts that trading, swapping or participating in any other transaction or activity of any kind related to any financial markets whatsoever is highly risky and may result in it losing all of the capital which it uses for such purposes and potentially even more than such capital. Furthermore, the customer accepts that IOTAF shall not be liable for any loss which the customer incurs as a result of or following any trades, investments, swaps, or other transactions or financial activities of any kind in which it participates in any way or in any capacity whatsoever, regardless of whether they are incurred while enrolled in any of IOTAF’s programs or aWer having been enrolled in and/or aWer completing one of IOTAF’s programs and despite the fact that the customer may have used or based itself upon knowledge or materials which it acquired, learned or received during one of IOTAF’s programs. The customer acknowledges and accepts that IOTAF is not an adviser and does not and will not, at any time whatsoever, manage a securities or derivatives portfolio or advise the customer or any other individual with respect to investment in or the purchase or sale of securities or derivatives.

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