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Welcome to CDMA Business Model LLC and CDMA Business Model Foundation, Inc.! By signing up for our programs, services, or accessing our platform, you agree to be bound by the following Terms and Conditions. Please read them carefully. 1. Acceptance of Terms By using our services, you agree to comply with these Terms and Conditions and any applicable laws and regulations. 2. Use of Services You agree to use our services for lawful purposes only. You acknowledge that any content you provide must not infringe upon the rights of others. 3. Intellectual Property All content, trademarks, and materials provided by CDMA Business Model LLC and CDMA Business Model Foundation, Inc. are owned by us or our licensors. Unauthorized use is prohibited. 4. Privacy Your data will be handled according to our Privacy Policy, which is available separately. 5. Payments and Refunds All payment terms will be outlined in your service agreement. Refunds are subject to our policies. 6. Limitation of Liability CDMA Business Model LLC and CDMA Business Model Foundation, Inc. are not liable for any indirect, incidental, or consequential damages arising from your use of our services. 7. Termination We reserve the right to terminate or suspend access to our services at any time for violation of these terms. 8. No False Advertising or Implied Alliance Submission of this form or participation in our programs does not grant any right to represent, imply, or advertise an official partnership, sponsorship, or alliance with CDMA Business Model LLC or CDMA Business Model Foundation, Inc. Any such false claims or misrepresentations are prohibited and may result in immediate termination of services and possible legal action. 9. Dispute Resolution and Arbitration Any disputes arising out of or relating to these Terms will be resolved through binding arbitration under the rules of the American Arbitration Association. The arbitration will take place in New York, New York, and the laws of the State of New York will govern these Terms. 10. Jurisdiction You agree that any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the state or federal courts located in New York, New York. You consent to the personal jurisdiction and venue of such courts. 11. Changes to Terms We may update these Terms periodically. Continued use of our services after changes indicates your acceptance.