VenCap Developments LLC is a Nevada limited liability company (the "Company") operating as the exclusive U.S. licensed distributor and operator of selected programs, operating systems, and educational frameworks created and owned by Unity Institute Inc., a Canadian corporation. All intellectual property, curriculum, system architecture, trademarks, and brand assets distributed through VenCap remain the exclusive property of Unity Institute Inc.

Your purchase through VenCap Developments LLC constitutes a commercial transaction with VenCap as the legal seller of record for all U.S. clients. Unity Institute Inc. is the creator and IP owner. VenCap does not own, alter, replace, or claim authorship of any Unity Institute content.

All programs and systems made available through VenCap Developments LLC are provided for educational and informational purposes only. They are not substitutes for professional medical, psychological, legal, nutritional, or financial advice, and must not be treated as such.

No income claims or earnings guarantees are made. Participation in any program or system accessed through VenCap does not guarantee any specific financial outcome, investment return, business result, income level, or other performance metric. Individual results depend entirely on personal effort, implementation quality, market conditions, individual circumstances, and factors entirely outside the control of VenCap Developments LLC or Unity Institute Inc.

Any descriptions of outcomes associated with these programs — whether in marketing materials, testimonials, case studies, or program content — are illustrative of what may be possible and are not representations that you will achieve similar results. Past participant experiences are not indicative of future results.

You are solely responsible for applying all content safely, appropriately, and within the scope of your own qualifications, professional obligations, and all applicable federal, state, and local laws and regulations.

EXOS™ and AXIS™ are educational operating systems. Nothing in these systems, in any related marketing materials, or in any communication from VenCap Developments LLC or Unity Institute Inc. constitutes:

• Real estate brokerage, advisory, or agency services regulated under state real estate law
• Investment advice or securities advisory services regulated under federal or state securities law
• Legal advice in connection with any real estate transaction, contract, or investment structure
• Tax advice or guidance on the federal or state tax treatment of any investment or income

You must consult qualified, independently licensed professionals — including licensed real estate brokers, registered investment advisors, attorneys, and CPAs — before making any real estate investment decision or entering into any transaction. VenCap Developments LLC and Unity Institute Inc. are not responsible for any financial, legal, tax, or investment outcome arising from your participation in any program or your application of any program content.

You must be at least 18 years of age and a legal resident or citizen of the United States to purchase programs through VenCap Developments LLC. By completing a purchase, you represent that you meet these eligibility requirements.

All content, videos, tools, frameworks, templates, brand assets, system architecture, and trademarks distributed through VenCap Developments LLC are owned by Unity Institute Inc. and protected under U.S. and Canadian intellectual property law, including the U.S. Copyright Act and applicable trademark statutes. Users are granted a personal, non-exclusive, non-transferable license for individual use only.

Without prior written permission from Unity Institute Inc., you may not:

• Reproduce, copy, or duplicate any materials in any form or medium
• Distribute, share, or make available any materials to any third party
• Modify, adapt, translate, or create derivative works from any materials
• Resell, sublicense, or commercially exploit any materials in any way
• Share login credentials or platform access with any other person

Trademarks distributed under VenCap's license from Unity Institute Inc. include:

• EXOS™ (Execution Operating System)
• AXIS™

Violation of these intellectual property terms will result in immediate termination of access without refund and may result in civil legal action for damages, injunctive relief, or both.

By purchasing any program or system through VenCap Developments LLC, you acknowledge and agree that:

• You are purchasing access to a digital product delivered entirely online
• Delivery of access occurs immediately upon payment confirmation
• You have reviewed the program description and understand what is and is not included
• You have reviewed and understood the refund terms applicable to the specific product purchased before completing payment
• No physical goods will be shipped in connection with your purchase

This acknowledgment is recorded at the time of checkout and is incorporated into your agreement to these Terms.

VenCap Developments LLC is registered for and responsible for the collection and remittance of applicable U.S. state and local sales tax on digital products where required by law. Digital product taxability and applicable rates vary by state and are subject to change. Where applicable, sales tax will be calculated based on your state of residence and added to your purchase total at checkout. You are responsible for providing accurate billing address information to ensure correct tax calculation.

All participants agree to engage respectfully and ethically in all platform interactions, communications, and program activities. The following will result in immediate termination of access without refund and may result in civil legal action:

• Harassment, threats, or abusive behaviour directed at VenCap staff, Unity Institute personnel, or other participants
• Unauthorized sharing, distribution, or reproduction of program materials
• Misrepresentation of identity, qualifications, or intent in connection with any program
• Use of program content to develop, train, or build competing products, systems, or services

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VENCAP DEVELOPMENTS LLC, UNITY INSTITUTE INC., AND THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, INSTRUCTORS, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND ARISING FROM OR RELATED TO:

• Your use of or inability to access any program, system, or platform through VenCap
• The application or misapplication of any content, strategy, framework, or system
• Any financial, business, investment, real estate, health, emotional, or psychological outcome resulting from participation in any program
• Any acts or omissions of third-party tools, platforms, or service providers used in program delivery
• Any errors, omissions, interruptions, or delays in content or platform availability

IN ALL CIRCUMSTANCES WHERE LIABILITY CANNOT BE FULLY EXCLUDED UNDER APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF VENCAP DEVELOPMENTS LLC TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO YOUR USE OF ANY PROGRAM SHALL NOT EXCEED THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO VENCAP FOR THE SPECIFIC PROGRAM OR SERVICE GIVING RISE TO THE CLAIM.

Some states do not allow the exclusion or limitation of incidental or consequential damages. If you reside in such a state, some of the above limitations may not apply to you, but the remaining limitations will remain in full effect.

Informal resolution first. Before initiating any formal legal proceeding, you agree to contact VenCap Developments LLC in writing at [email protected] with a detailed description of your dispute. VenCap will respond within 10 business days and will make a good-faith effort to resolve the matter directly. Most concerns are resolved at this stage.

Binding arbitration. If the dispute is not resolved informally within 30 days of written notice, you and VenCap Developments LLC agree that the dispute will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The arbitration will be conducted remotely or in Clark County, Nevada. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class action waiver. YOU AND VENCAP DEVELOPMENTS LLC EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING. Each party may bring claims against the other only in their individual capacity. This waiver is a material inducement for VenCap to make its programs available at the prices offered.

Exceptions. Either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending arbitration, including claims related to intellectual property infringement or unauthorized use of confidential information.

These Terms are governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. To the extent any matter is not subject to arbitration under Section 10, the parties consent to the exclusive jurisdiction of the state and federal courts located in Clark County, Nevada.

VenCap Developments LLC and Unity Institute Inc. operate in compliance with applicable Federal Trade Commission (FTC) guidelines regarding advertising, endorsements, testimonials, and business opportunity representations. Specifically:

• No income claims, earnings projections, or financial performance representations are made in connection with any program offered through VenCap
• Any participant experiences referenced in marketing materials reflect individual results and are not typical or guaranteed
• All material connections between endorsers and VenCap or Unity Institute are disclosed where required
• Refund policies are clearly stated and honoured in accordance with these Terms

If you believe you have encountered marketing or content that does not comply with these standards, please contact [email protected].

If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be unenforceable, invalid, or void, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions will remain in full force and effect.

These Terms of Use, together with the Refund Policy and Privacy Policy on this page, constitute the entire agreement between you and VenCap Developments LLC with respect to your use of programs and services accessed through VenCap. They supersede any prior agreements, representations, or understandings. No oral or written statement by VenCap or Unity Institute personnel outside of these Terms creates any binding obligation unless incorporated into a written amendment to these Terms signed by an authorized representative of VenCap Developments LLC.

VenCap Developments LLC may update these Terms at any time. Updated Terms will be posted with a revised effective date. Your continued use of any program or service after posting of updated Terms constitutes acceptance. If you do not agree to revised Terms, you must discontinue use.

EXOS is a structured operating system with mandatory gate-based enforcement and output submission requirements. It is not a digital course. The refund policy reflects this structure.

Conditional 30-day refund

U.S. operators who complete Gate 1 in full — including all required output submissions, tool completion, and gate check requirements as specified in the EXOS system — and who determine within 30 days of enrollment that the system is not the right fit, are entitled to a full refund upon written request.

To qualify, the operator must satisfy all of the following:

1. Complete all Gate 1 requirements in full, including submission of all required outputs through the platform
2. Submit a written refund request to [email protected] within 30 calendar days of the original enrollment date
3. Include documented evidence of Gate 1 completion with the refund request

Refunds will not be issued to operators who:

• Request a refund without evidence of completed Gate 1 outputs
• Submit a request after the 30-day window from original enrollment date
• Are enrolled under the internal payment plan (non-refundable — see below)
• Have violated these Terms of Use

Approved refunds are for the full original purchase amount. No partial refunds are issued.

Payment plan enrollments — unconditionally non-refundable

Operators enrolling under an internal payment plan acknowledge and agree at the time of purchase that this option is non-refundable under all circumstances. By selecting the payment plan at checkout, you waive any refund right that might otherwise apply.

Missed or failed payments result in immediate, automatic suspension of platform access. Access will not be restored until the account is brought fully current. Failure to bring the account current within 14 days of suspension constitutes default, resulting in permanent termination of access without refund of any amounts paid. VenCap reserves the right to pursue collection of remaining amounts owed under the payment plan.

Add-on services — non-refundable upon delivery

Fast Track Review and Implementation Audit services are non-refundable once the operator's submission has been received and the recorded review has been delivered to the operator.

AXIS will be made available through VenCap upon its U.S. launch. AXIS operates under the same refund structure as EXOS. Specific Gate 1 completion requirements applicable to AXIS refund eligibility will be published at the time of launch and incorporated into this policy by formal amendment. Contact [email protected] for guidance prior to the publication of those terms.

Section C — All Other Licensed Programs (U.S.)

For all other programs and systems made available through VenCap Developments LLC not specifically named above:

• Refund requests submitted within 72 hours of purchase are honored in full. No conditions are required within this window.
• Beyond 72 hours, refunds are not available except where a verified technical failure prevented access entirely and VenCap was unable to resolve the issue within 5 business days of written notice.
• Multi-program packages and bundled offers are non-refundable once access to any component of the bundle has been granted.

Information you provide directly:

• Full name and contact information (email address, phone number, billing address)
• Payment information (processed securely by third-party payment processors; VenCap does not store full card numbers or banking credentials)
• Program enrollment selections and purchase history
• Output submissions and progress data submitted through the program platform (e.g., EXOS gate submissions and tool completions)
• Voluntary information shared in intake forms, surveys, or direct communications

Information collected automatically:

• Technical and usage data including IP address, browser type, device type, operating system, referral source, and pages visited
• Platform interaction and session data collected through analytics tools
• Cookie and tracking data (see Cookie Notice below)

Cookie Notice: VenCap's website and platform use cookies and similar technologies to support platform functionality and analyze usage. By using our website, you consent to cookie use as described. You may control cookie settings through your browser, but disabling certain cookies may affect platform functionality.

Personal information is used for the following purposes:

• To deliver the programs and systems you have purchased and manage your platform access
• To process payments and maintain accurate transaction and enrollment records
• To provide technical and operational support and respond to service inquiries
• To send transactional communications including receipts, access credentials, program notifications, and renewal notices
• To send educational updates, program announcements, or marketing communications where you have provided consent (you may opt out at any time)
• To analyze platform performance, identify technical issues, and improve user experience
• To comply with applicable legal, regulatory, tax, and accounting obligations
• To enforce these Terms and investigate potential violations

We do not sell, rent, trade, or disclose your personal information to unaffiliated third parties for their independent marketing purposes without your prior explicit consent.

VenCap Developments LLC operates as the U.S. licensed distributor of Unity Institute Inc. programs. In fulfilling this role, VenCap shares enrollment records, access data, and program progress information with Unity Institute Inc. as necessary for program delivery, licensing compliance, quality assurance, and product development. This sharing is governed by an intercompany data sharing agreement. Unity Institute Inc.'s handling of shared data is governed by its own Privacy Policy, available at unityinstitute.ca/legal.

VenCap uses third-party service providers to operate its platform, including online program delivery (Kajabi), payment processing (Kajabi Payments / Stripe), email communications, and analytics. These providers receive your data only as necessary to perform their services on our behalf and are contractually prohibited from using your data for their own purposes. All providers are assessed for compliance with applicable privacy standards before use.

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information:

• Right to Know: You have the right to request disclosure of the categories and specific pieces of personal information VenCap has collected about you, the sources of that information, the purposes for which it is used, and the categories of third parties with whom it has been shared.
• Right to Delete: You have the right to request deletion of personal information VenCap has collected from you, subject to certain exceptions (such as information needed to complete a transaction or comply with legal obligations).
• Right to Opt Out of Sale: VenCap does not sell personal information as defined under the CCPA. No opt-out action is required.
• Right to Non-Discrimination: VenCap will not discriminate against you for exercising any of your CCPA rights. You will not receive reduced service, higher prices, or lower quality as a result of exercising your rights.

To submit a CCPA rights request, contact [email protected] with the subject line "CCPA Privacy Request." We will verify your identity before processing the request and respond within 45 days as required by law.

Residents of Virginia, Colorado, Connecticut, Texas, and other states with comprehensive consumer privacy laws may have similar rights to access, correct, delete, or opt out of certain uses of personal information. VenCap will honour verified privacy rights requests consistent with applicable state law. Contact [email protected] for requests or questions.

All personal data is stored on encrypted, access-controlled platforms. Access is restricted to authorized VenCap personnel and service providers who require it to perform their functions. Security practices include encrypted data transmission (SSL/TLS), access controls, and regular security assessments of third-party providers. While we implement industry-standard security measures, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.

Personal data is retained only as long as necessary to fulfil the purposes described in this policy, to comply with applicable legal and tax obligations, or to resolve disputes:

• Transaction and enrollment records: minimum 7 years for accounting and tax compliance
• Platform access and usage data: duration of active access plus 2 years
• Marketing consent records: until consent is withdrawn plus 2 years
• Support communications: 3 years from resolution

Upon expiry of applicable retention periods, data is securely deleted or anonymised.

This Privacy Policy may be updated at any time. Updated versions will be posted on this page with a revised effective date. Your continued use of VenCap services after posting of an update constitutes acceptance. Where changes are material, we will make reasonable efforts to notify enrolled participants by email.