Legal Information

Effective Date: July 25, 2026 Last Updated: July 25, 2026 1. Introduction Welcome to The Schuld League (“The Schuld League”, “we”, “our”, or “us”), a private online membership community operated by JS Media LLC. These Terms of Membership (“Terms”) govern your access to and use of The Schuld League, including its online community, educational content, courses, downloadable resources, live events, recordings, discussions, and any other services or digital content made available as part of your membership (collectively, the “Membership”). By purchasing a Membership, accessing any part of The Schuld League, or continuing to use the Membership after these Terms have been updated, you agree to be legally bound by these Terms. If you do not agree to these Terms, you should not purchase or access the Membership. These Terms are intended to establish a fair and transparent relationship between you and The Schuld League while protecting both our members and our business. 2. Definitions For the purposes of these Terms, the following definitions apply: “Company” means JS Media LLC. “The Schuld League” means the private online membership community operated by the Company. “Member” means any individual who purchases or otherwise receives authorized access to the Membership. “Membership” means the subscription-based access provided to Members, including community discussions, educational materials, courses, downloadable resources, live calls, recordings, and any additional content or services that may be included from time to time. “Platform” means any website, application, software, or third-party service used to provide the Membership, including but not limited to Skool. “Content” means all videos, text, graphics, images, worksheets, templates, audio recordings, downloadable materials, community discussions, live sessions, and any other material made available through the Membership. “Services” means all services provided by the Company as part of the Membership. 3. Eligibility To become a Member, you must: * be at least 18 years of age, or have the permission of a parent or legal guardian where permitted by applicable law; * have the legal capacity to enter into a binding agreement; * provide accurate and complete information during registration; * comply with these Terms at all times. You are responsible for ensuring that your use of the Membership complies with the laws applicable in your country or jurisdiction. We reserve the right to refuse or terminate Membership where reasonably necessary to protect the integrity, security, or lawful operation of The Schuld League. 4. Description of the Membership The Schuld League is a subscription-based educational community designed to provide Members with access to educational content, community discussions, resources, and related learning opportunities. Depending on the Membership offered at the time of purchase, your Membership may include access to: * educational courses; * community discussions; * downloadable resources; * recordings; * live events; * question-and-answer sessions; * announcements; * additional educational materials that may be added from time to time. Membership provides access only during an active subscription period. Unless expressly stated otherwise, purchasing a Membership does not grant ownership of any Content. Membership benefits may evolve over time as we improve, expand, modify, or discontinue features of the Membership. We continually improve The Schuld League. As a result, Content, resources, features, community structure, educational materials, and available services may change over time without prior notice. Where live calls or similar events are offered, they are provided at our discretion. We aim to provide valuable experiences for Members, but we do not guarantee that live calls will occur according to any particular schedule or frequency. 5. Membership Registration To access the Membership, you must create an account through the designated Platform. You agree that all information you provide is accurate, complete, and kept reasonably up to date. You are responsible for maintaining the confidentiality of your account credentials. You are solely responsible for all activity occurring under your account unless caused by our negligence or a security failure within systems under our control. Accounts are personal to the Member who purchased the Membership. Your Membership may not be: * shared with others; * transferred to another person; * resold; * sublicensed; * used to provide unauthorized access to third parties. We reserve the right to suspend or terminate accounts that violate these Terms. 6. Subscription Plans The Schuld League currently operates as a subscription-based Membership. Subscription options may include monthly plans, annual plans, or other billing options introduced in the future. The available subscription options, pricing, billing frequency, and included Membership benefits are displayed at the time of purchase. From time to time, we may offer promotional subscription pricing, including Founding Member pricing or similar promotional offers. Unless otherwise stated at the time of purchase, Members who purchase a Membership under such an offer will retain their promotional subscription price for as long as they maintain an active, uninterrupted subscription. If the subscription is cancelled or otherwise ends, the promotional pricing may no longer be available upon rejoining. We may introduce, modify, or discontinue Membership plans at any time. Changes to pricing will not affect your current billing period but may apply upon renewal, subject to applicable law and reasonable prior notice where required. 7. Payments Membership fees are payable in advance. Payments are processed through third-party payment providers, which may include Stripe or other providers selected by the Company. By purchasing a Membership, you authorize the applicable payment provider to charge your selected payment method according to your chosen subscription plan. You are responsible for ensuring that your payment information remains accurate and up to date. If a payment cannot be successfully processed, your Membership may be suspended or terminated until payment has been successfully completed. Applicable taxes, if any, may be added where required by law. Unless otherwise stated at the time of purchase, all prices are displayed in United States Dollars (USD). 8. Automatic Renewal Membership subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date. By purchasing a subscription, you authorize recurring charges corresponding to your selected Membership plan until you cancel your subscription. The renewal amount will be the price applicable to your subscription, unless that price is changed in accordance with these Terms and applicable law. 9. Cancellation You may cancel your Membership at any time through your account settings or by contacting us. Cancellation prevents future renewals. Cancellation takes effect at the end of your current billing period. You will continue to have access to the Membership until the end of the billing period already paid for. No partial refunds or prorated refunds are provided for unused portions of an active billing period unless required by applicable law or expressly approved by the Company. Deleting your account or ceasing to use the Membership does not automatically cancel your subscription. 10. Refund Policy We strive to treat Members fairly while maintaining the sustainability of The Schuld League. If you believe you are entitled to a refund, please contact us at: support@schuldleague.com Refund requests are reviewed individually. Where required by applicable consumer protection laws, including mandatory statutory rights that cannot legally be excluded, we will honor those rights. In addition, as a matter of customer service, we generally intend to process refund requests submitted within fourteen (14) days of an initial Membership purchase, provided the request is made in good faith and complies with applicable law. This voluntary practice does not limit or replace any mandatory consumer rights that may apply. Except where required by law or otherwise approved by the Company, refunds are generally not available for: * recurring renewal payments; * partially used billing periods; * failure to cancel before renewal; * dissatisfaction arising from changes to Content made in accordance with these Terms. Approved refunds will generally be returned using the original payment method. Nothing in this section limits any consumer rights that cannot legally be excluded under applicable law. 11. Community Standards and Member Conduct The Schuld League is intended to provide a respectful, supportive, and constructive environment for Members to learn, collaborate, and grow. By participating in the Membership, you agree to conduct yourself in a manner that contributes positively to the community. Members must not: * harass, threaten, intimidate, or abuse other Members; * engage in discrimination, hate speech, or unlawful conduct; * deliberately disrupt discussions or community activities; * post spam, unsolicited advertising, or promotional material without permission; * impersonate another individual or misrepresent their identity; * upload malicious software, viruses, or harmful code; * attempt to gain unauthorized access to accounts or systems; * violate the intellectual property rights or privacy rights of others; * use the Membership for illegal purposes; * encourage others to violate these Terms. Healthy disagreement and respectful discussion are welcome. However, we reserve the right to moderate discussions where reasonably necessary to maintain a positive and productive learning environment. Members are expected to contribute in a manner that supports the educational purpose of The Schuld League. We may moderate or remove content that is substantially unrelated to the purpose of the community or otherwise interferes with maintaining a constructive learning environment. 12. Community Moderation The Schuld League is a privately operated community. To maintain a safe and productive environment, we reserve the right to moderate community discussions and take appropriate action where reasonably necessary. Such actions may include, where reasonably appropriate: * removing content; issuing warnings limiting access to certain community features; * temporarily restricting participation; * suspending accounts; * terminating Membership. Moderation decisions are made at our reasonable discretion and are intended to protect the overall quality, safety, and integrity of the community. We are not obligated to publicly explain moderation decisions. 13. Intellectual Property Unless otherwise stated, all Content made available through the Membership is owned by or licensed to JS Media LLC. This includes, without limitation: * courses; * videos; * presentations; * written materials; * worksheets; * templates; * graphics; * audio recordings; * community resources; * branding; * logos; * educational frameworks; * other original materials provided through the Membership. Your Membership grants you a limited, personal, non-exclusive, non-transferable, and revocable license to access and use the Content for your own personal educational purposes. Except where expressly permitted in writing, you may not: * reproduce the Content; * distribute the Content; * sell the Content; * sublicense the Content; * publicly display the Content; * upload the Content elsewhere; * create commercial products based primarily upon the Content. Nothing in these Terms transfers ownership of any intellectual property to Members. 14. User-Generated Content Members may choose to submit comments, questions, discussions, feedback, or other content within the community (“User Content”). You retain ownership of your User Content. However, by submitting User Content within The Schuld League, you grant the Company a worldwide, non-exclusive, royalty-free license to display, reproduce, and use such User Content solely for operating, improving, and administering the Membership. You represent that you have the necessary rights to submit your User Content. You agree not to submit content that: * infringes the rights of others; * is unlawful; * contains malicious software; * contains confidential information you are not authorized to disclose. We reserve the right to remove User Content where reasonably necessary to protect the Membership or comply with applicable law. 15. Educational Purpose The Schuld League exists to provide educational information, personal development resources, and opportunities for learning and discussion. Individual results will vary. We do not guarantee that participation in the Membership will produce any particular outcome, including financial success, business success, career advancement, productivity improvements, personal development, or other specific results. Your success depends upon numerous factors beyond our control, including your own effort, experience, circumstances, and decisions. Examples, case studies, testimonials, or discussions shared within the Membership should not be interpreted as guarantees of future results. 16. No Professional Advice The Content provided through The Schuld League is intended solely for general educational and informational purposes. Nothing within the Membership constitutes: * legal advice; * financial advice; * tax advice; * accounting advice; * investment advice; * medical advice; * psychological advice; * therapeutic advice; * professional advice of any kind. Members should seek appropriately qualified professionals regarding their own individual circumstances. Participation in the Membership does not create any professional-client relationship between the Company and any Member. 17. Live Events and Community Activities From time to time, we may offer live calls, workshops, question-and-answer sessions, community events, or similar activities. These events are provided as an additional Membership benefit where available. Live events may be added, modified, rescheduled, recorded, or discontinued at our discretion. We do not guarantee the availability, frequency, duration, attendance, or continued offering of any live event. Where recordings are made available, we reserve the right to determine whether such recordings remain accessible to Members. 18. Availability of the Membership We aim to provide reliable access to the Membership. However, uninterrupted availability cannot be guaranteed. Access may occasionally be interrupted due to: * maintenance; * software updates; * third-party platform outages; * technical failures; * security incidents; * circumstances beyond our reasonable control. Temporary interruptions do not automatically entitle Members to refunds or compensation. We will make reasonable efforts to restore access as soon as practicable. 19. Changes to the Membership We continually improve and develop The Schuld League. Accordingly, we reserve the right to: * add new Content; * remove outdated Content; * update educational materials; * introduce new Membership features; * discontinue existing features; * improve community functionality; * reorganize the Membership structure. Such changes are a normal part of maintaining and improving an evolving educational community. Membership does not guarantee permanent availability of any specific lesson, course, feature, resource, instructor, live event, or community activity. 20. Suspension and Termination We reserve the right to suspend or terminate a Membership where reasonably necessary, including where a Member: * materially violates these Terms; * repeatedly disrupts the community; * engages in unlawful conduct; * abuses other Members; * attempts to circumvent platform security; * shares Membership access without authorization; * fails to make required payments; * engages in fraudulent activity. Where appropriate, we may provide a warning before suspension or termination. However, we reserve the right to terminate access immediately where reasonably necessary to protect Members, the Company, or the integrity of the Membership. Termination of Membership does not automatically entitle the Member to a refund unless required by applicable law. 21. Third-Party Services The Membership is provided using third-party platforms and services. These may include payment providers, hosting providers, communication services, email providers, and community platforms such as Skool. We are not responsible for the independent operation, policies, availability, security, or functionality of third-party services. Your use of such third-party services may also be subject to their own terms and privacy policies. Where third-party services experience outages or interruptions, we will make reasonable efforts to continue providing the Membership, but we cannot guarantee uninterrupted availability resulting from issues outside our reasonable control. 22. Limitation of Liability To the fullest extent permitted by applicable law, the Company shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to the Membership. This includes, without limitation: * loss of profits; * loss of revenue; * loss of business opportunities; * loss of data; * interruption of business; * reputational harm; * personal decisions made based on educational Content. The Membership is provided for educational purposes. Members remain solely responsible for how they apply any information, strategies, opinions, or discussions presented within the Membership. Nothing in these Terms excludes or limits liability where such limitation is prohibited by applicable law, including liability for fraud, fraudulent misrepresentation, willful misconduct, or any liability that cannot legally be excluded. Where applicable law permits limitation of liability but not complete exclusion, our total aggregate liability arising out of or relating to the Membership shall not exceed the total Membership fees paid by the affected Member during the twelve (12) months immediately preceding the event giving rise to the claim. 23. Member Responsibility Members remain fully responsible for their own decisions, actions, business activities, investments, health, finances, relationships, and personal circumstances. Participation in the Membership does not guarantee any specific outcome. Members should independently evaluate all information provided through the Membership before relying upon it in making important decisions. Where professional advice is appropriate, Members should consult a suitably qualified professional. 24. Indemnification To the extent permitted by applicable law, you agree to indemnify and hold harmless JS Media LLC, its owners, officers, employees, contractors, and representatives from reasonable claims, losses, damages, liabilities, costs, and expenses arising from: * your violation of these Terms; * your unlawful conduct; * your infringement of another person’s rights; * your misuse of the Membership. This obligation does not apply where the claim arises primarily from our own negligence or misconduct. 25. Force Majeure The Company shall not be responsible for delays or failures in performing its obligations where such delays or failures result from circumstances beyond our reasonable control. Such circumstances may include, without limitation: * natural disasters; * acts of government; * war; * terrorism; * civil unrest; * labor disputes; * widespread internet outages; * failures of third-party service providers; * cyberattacks; * epidemics or pandemics; * other unforeseen events beyond our reasonable control. Where reasonably practicable, we will make reasonable efforts to resume normal operation as soon as possible. 26. Changes to these Terms We may update these Terms from time to time to reflect changes to: * applicable law; * our business; * the Membership; * technology; * security practices; * operational requirements. Where changes materially affect Members’ rights or obligations, we will make reasonable efforts to notify Members before the updated Terms take effect. Continued use of the Membership after the effective date of updated Terms constitutes acceptance of those updated Terms. If you do not agree with a material change, you may cancel your Membership before the updated Terms become effective. 27. Governing Law These Terms shall be governed by and interpreted in accordance with the laws applicable to the contractual relationship between the Company and the Member, without prejudice to any mandatory consumer protection rights that apply under the laws of the Member’s country of residence. Nothing in these Terms limits or excludes mandatory consumer rights that cannot legally be waived under applicable law. 28. Dispute Resolution If a dispute arises, both the Member and the Company agree to first attempt to resolve the matter in good faith through direct communication. Members are encouraged to contact us before initiating formal legal proceedings so that we may attempt to reach an amicable resolution. Nothing in this section limits any statutory rights to pursue legal remedies where applicable law provides otherwise. 29. Severability If any provision of these Terms is determined by a court or competent authority to be invalid, unlawful, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall continue in full force and effect. 30. No Waiver Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or of any other rights under these Terms. Any waiver shall be effective only if made expressly and in writing. 31. Assignment The Company may assign or transfer its rights and obligations under these Terms in connection with a merger, acquisition, corporate restructuring, sale of assets, or other business reorganization. Members may not assign or transfer their Membership or any rights under these Terms without our prior written consent. 32. Entire Agreement These Terms, together with our Privacy Notice, Withdrawal & Refund Policy, Disclaimer, and any additional policies expressly incorporated by reference, constitute the entire agreement between the Company and the Member regarding the Membership. They supersede all prior discussions, understandings, representations, and agreements relating to the Membership. 33. Contact Information Questions regarding these Terms may be directed to: JS Media LLC Business Address: 30 N Gould St, STE R, Sheridan, WY 82801, USA Email: support@schuldleague.com Website: https://schuldleague.com 34. Acceptance of these Terms By purchasing, accessing, or continuing to use The Schuld League Membership, you acknowledge that you have read, understood, and agree to be bound by these Terms of Membership. If you do not agree to these Terms, you must not access or use the Membership.

Effective Date: July 25, 2026 Last Updated: July 25, 2026 1. Introduction At The Schuld League (“The Schuld League”, “we”, “our”, or “us”), we respect your privacy and are committed to protecting your personal information. This Privacy Notice explains how we collect, use, disclose, and protect your personal data when you visit our website, purchase a Membership, participate in our community, or otherwise interact with our services. We are committed to processing personal data responsibly and in accordance with applicable privacy laws, including the European Union General Data Protection Regulation (“GDPR”), where applicable. Please read this Privacy Notice carefully before using our services. 2. Who We Are The Schuld League is operated by: JS Media LLC Business Address: 30 N Gould St, STE R, Sheridan, WY 82801, USA Email: support@schuldleague.com Website: https://schuldleague.com For the purposes of applicable data protection law, JS Media LLC is generally the controller of the personal data described in this Privacy Notice where it determines the purposes and means of processing. Certain third-party providers described in this Privacy Notice may also act as independent controllers or processors of your personal data in accordance with their own privacy policies. 3. Scope of this Privacy Notice This Privacy Notice applies to personal data collected when you: * visit schuldleague.com; * purchase a Membership; * join The Schuld League community; * communicate with us by email; * participate in community discussions; * attend live events; * contact customer support; * otherwise interact with our services. This Privacy Notice applies whenever you access or interact with The Schuld League or our online services, including our Membership, community platform, legal information pages, customer support, and any other services we make available from time to time. 4. Personal Information We Collect The personal information we collect depends upon how you interact with The Schuld League. Generally, we collect information in the following categories. A. Information You Provide When you create an account, purchase a Membership, or communicate with us, you may provide information including: * your name; * your email address; * billing information; * account information; * profile information you choose to provide; * messages you send to us; * community posts and comments; * questions submitted during live events; * feedback you voluntarily provide. You are responsible for ensuring that information you submit is accurate and that you have the right to provide it. B. Membership Information While using The Schuld League, we may process information relating to your Membership, including: * subscription status; * Membership plan; * payment status; * account creation date; * account activity; * participation within the community; * course progress where available through the platform; * interactions with educational content. We use this information to provide and improve the Membership. C. Payment Information Payments are processed through third-party payment providers. We do not store complete payment card numbers or payment credentials on our own systems. Payment providers may process information such as: * payment method; * billing address; * transaction amount; * payment status; * transaction identifiers. Such information is processed according to the payment provider’s own privacy practices. D. Communications If you contact us, we may collect information such as: * your email address; * the content of your messages; * attachments you send; * customer support history; * communications relating to your Membership. We use this information to respond to inquiries, provide support, and improve our services. E. Information Collected Automatically When you access The Schuld League or our website, certain technical information may be collected automatically by us or by the platforms and service providers we use. This information may include: * IP address; * browser type; * operating system; * device information; * language preferences; * referring pages; * access times; * error logs; * security-related information. We primarily use this information to maintain security, ensure reliable operation of our services, diagnose technical issues, and improve the user experience. 5. Information We Do Not Intentionally Collect We do not intentionally collect special categories of personal data unless you voluntarily choose to provide such information. This includes information relating to: * racial or ethnic origin; * political opinions; * religious or philosophical beliefs; * trade union membership; * genetic data; * biometric data used for identification; * health information; * information concerning a person’s sex life or sexual orientation. If you voluntarily disclose such information within the community or during communications with us, you acknowledge that you are choosing to make that information available. We encourage Members not to share sensitive personal information unless they are comfortable doing so. 6. Accuracy of Information You are responsible for ensuring that the information associated with your Membership remains accurate and up to date. If your personal information changes, you may update your account where available or contact us at: support@schuldleague.com We will make reasonable efforts to update inaccurate information upon request where required by applicable law. 7. Communications with Members We may communicate with you regarding matters relating to your Membership, including: * account administration; * billing; * customer support; * security notices; * important updates to the Membership; * changes to our legal documents; * service announcements. These communications are generally considered necessary for the administration of your Membership. Where required by applicable law, we will request your consent before sending communications that constitute marketing. You may unsubscribe from marketing communications where applicable, although you may continue to receive important administrative communications relating to your Membership. 8. How We Use Your Personal Information We process personal information only where we have a legitimate purpose for doing so. Depending on your interaction with The Schuld League, we may use your personal information to: * create and manage your Membership; * provide access to community features and educational content; * process subscription payments; * verify your identity where appropriate; * communicate with you regarding your Membership; * respond to customer support requests; * administer community activities and live events; * maintain the security of our services; * detect, investigate, and prevent fraud or unauthorized activity; * comply with legal obligations; * improve the functionality, reliability, and quality of our services; * enforce our Terms of Membership and other applicable policies. We do not sell your personal information to third parties. 9. Legal Bases for Processing (GDPR) Where the GDPR applies, we process personal data only where an appropriate legal basis exists. Depending on the circumstances, our legal bases may include: Performance of a Contract We process personal information where necessary to: * provide your Membership; * process payments; * manage your account; * provide customer support; * fulfill our contractual obligations. Compliance with Legal Obligations We may process personal information where necessary to comply with applicable legal obligations, including accounting, tax, fraud prevention, and regulatory requirements. Legitimate Interests We may process personal information where doing so is necessary for our legitimate interests, provided those interests are not overridden by your rights and freedoms. Examples include: * maintaining platform security; * improving our services; * preventing abuse; * enforcing our legal rights; * responding to Member inquiries; * protecting the integrity of the community. Consent Where required by law, we will obtain your consent before processing personal information for purposes requiring consent, such as certain marketing communications or optional technologies. You may withdraw your consent at any time where processing is based on consent. Withdrawal of consent does not affect the lawfulness of processing carried out before consent was withdrawn. 10. Sharing Personal Information We do not sell your personal information. We share personal information only where reasonably necessary to operate The Schuld League or where required by applicable law. Recipients may include: * service providers; * payment processors; * hosting providers; * communication providers; * community platform providers; * professional advisers where necessary; * public authorities where legally required. Each recipient receives only the information reasonably necessary for the relevant purpose. 11. Third-Party Service Providers To operate The Schuld League, we rely upon trusted third-party service providers. These providers may process personal information on our behalf or independently according to their own privacy policies. Our current service providers may include: Skool Used to operate the online community, provide Member access, host educational content, facilitate discussions, and manage Membership functionality. Stripe Used to process subscription payments and related payment transactions. Cloudflare Used to provide domain, security, performance, and related infrastructure services for The Schuld League’s online services. SMTP2GO Used to send transactional emails and Membership-related communications. We may replace, add, or discontinue service providers as our business evolves. Where new providers process personal information, this Privacy Notice may be updated accordingly. 12. International Data Transfers The Schuld League may use service providers located in different countries. As a result, personal information may be transferred to countries outside your own jurisdiction, including countries that may not provide the same level of data protection as your country of residence. Where required by applicable law, we take reasonable steps to ensure that appropriate safeguards are in place for international data transfers. Such safeguards may include: * Standard Contractual Clauses approved by the European Commission; * adequacy decisions issued by competent authorities; * other legally recognized transfer mechanisms. 13. Data Retention We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Notice. Retention periods depend upon factors including: * the duration of your Membership; * legal obligations; * accounting requirements; * dispute resolution; * fraud prevention; * security requirements. When personal information is no longer required, we will delete, anonymize, or securely dispose of it where reasonably practicable and consistent with applicable law. Certain information may be retained for longer periods where required by law. 14. Data Security We take reasonable technical and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. Such measures may include: * secure service providers; * access controls; * authentication measures; * encryption where appropriate; * security monitoring; * reasonable administrative safeguards. However, no method of electronic storage or transmission over the internet can be guaranteed to be completely secure. Accordingly, while we strive to protect personal information, we cannot guarantee absolute security. 15. Data Breaches If we become aware of a personal data breach affecting personal information under our control, we will respond in accordance with applicable law. Where legally required, we will notify the appropriate supervisory authority and affected individuals within the applicable legal timeframes. 16. Automated Decision-Making We do not intentionally use personal information to make decisions based solely on automated processing that produce legal or similarly significant effects on individuals. Should this practice change in the future, we will update this Privacy Notice and provide any additional information required by applicable law. 17. Your Privacy Rights Depending on your location and the applicable data protection laws, you may have certain rights regarding your personal information. These rights may include: Right of Access You may request confirmation of whether we process your personal information and, where applicable, obtain a copy of the personal information we hold about you. Right to Rectification You may request that inaccurate or incomplete personal information be corrected. Right to Erasure In certain circumstances, you may request that your personal information be deleted. This right is not absolute and may be limited where we are legally required to retain certain information. Right to Restrict Processing In certain circumstances, you may request that we temporarily restrict the processing of your personal information. Right to Data Portability Where applicable, you may request a copy of certain personal information in a structured, commonly used, and machine-readable format. Right to Object Where we process personal information based on legitimate interests, you may object to such processing in certain circumstances. Right to Withdraw Consent Where processing is based on your consent, you may withdraw that consent at any time. Withdrawal of consent does not affect processing carried out before consent was withdrawn. Right to Lodge a Complaint If you believe that your personal information has been processed in violation of applicable data protection law, you may lodge a complaint with the competent data protection supervisory authority. We encourage you to contact us first so that we have an opportunity to address your concerns directly. 18. Exercising Your Rights If you wish to exercise any of the rights described in this Privacy Notice, you may contact us using the contact information provided below. To protect your privacy, we may request reasonable information to verify your identity before responding to certain requests. We will respond to requests within the timeframes required by applicable law. 19. Cookies and Similar Technologies Our online services and the third-party services we use may utilize cookies or similar technologies to provide functionality, maintain security, remember user preferences, and improve the operation of our services. Some cookies may be placed by third-party providers that operate portions of the services we use. Where applicable law requires consent before non-essential cookies are used, we will obtain such consent before those cookies are placed. You may also control certain cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of some features. 20. Third-Party Websites The Schuld League or our online services may contain links to third-party websites, services, or resources. We are not responsible for the privacy practices, security, or content of third-party websites. We encourage you to review the privacy policies of any third-party services you choose to use. 21. Children’s Privacy The Schuld League is intended for individuals who are at least 18 years of age or who otherwise have the legal capacity to enter into a binding agreement under applicable law. We do not knowingly collect personal information from children in violation of applicable law. If we become aware that personal information has been collected from a child in circumstances where such collection was not permitted, we will take reasonable steps to delete that information. If you believe that a child has provided personal information to us inappropriately, please contact us. 22. Changes to this Privacy Notice We may update this Privacy Notice from time to time to reflect changes in: * applicable law; * our business operations; * technology; * security practices; * service providers; * Membership features. When material changes are made, we will make reasonable efforts to notify Members where appropriate. The “Last Updated” date at the beginning of this Privacy Notice indicates when the current version became effective. 23. Contact Us If you have questions about this Privacy Notice or wish to exercise your privacy rights, you may contact us at: JS Media LLC Business Address: 30 N Gould St, STE R, Sheridan, WY 82801, USA Email: support@schuldleague.com Website: https://schuldleague.com 24. Supervisory Authorities Where the GDPR or other applicable privacy laws apply, you may have the right to lodge a complaint with the competent data protection supervisory authority in your country of residence, place of work, or the place of the alleged infringement. This right exists without prejudice to any other administrative or judicial remedies available under applicable law. 25. Acceptance of this Privacy Notice By accessing or using The Schuld League, you acknowledge that you have been provided with this Privacy Notice and understand how your personal information may be processed as described herein. This Privacy Notice is provided for transparency regarding our data processing practices. Where applicable law requires your consent for specific processing activities, we will obtain such consent separately.

Effective Date: July 25, 2026 Last Updated: July 25, 2026 1. Introduction This Withdrawal & Refund Policy explains your rights regarding cancellation, withdrawal, and refunds for Memberships purchased for The Schuld League. It should be read together with our Terms of Membership and other applicable legal documents. Nothing in this Policy limits any mandatory consumer rights that apply under applicable law. 2. Membership Subscriptions The Schuld League is offered as a recurring subscription Membership. Your Membership renews automatically at the end of each billing period unless you cancel before the next renewal date. You may cancel your Membership at any time. Cancellation prevents future renewals but does not immediately terminate your access. Unless otherwise stated, your Membership remains active until the end of your current billing period. 3. Right of Withdrawal Where applicable law provides a statutory right of withdrawal, eligible consumers may exercise that right within the applicable withdrawal period. If you wish to exercise your right of withdrawal, please contact us at: support@schuldleague.com To help us process your request efficiently, please include: * your name; * the email address associated with your Membership; * the date of purchase; * a brief statement that you wish to withdraw from your Membership. We will respond as soon as reasonably practicable. 4. Voluntary Refund Policy In addition to any mandatory rights provided by applicable law, we generally intend to review refund requests submitted within fourteen (14) days of the initial Membership purchase. Where a refund is approved, it will generally be issued to the original payment method used for the purchase. Refund decisions are made in good faith and at our reasonable discretion, taking into account the circumstances of each request. Nothing in this section limits any refund rights that may apply under mandatory consumer protection laws. 5. Renewals Subscription renewals are generally not eligible for refunds. Members are responsible for cancelling their Membership before the next billing date if they do not wish to continue their subscription. Reminder notices are not guaranteed before renewal. 6. No Prorated Refunds If you cancel your Membership during an active billing period, your access will generally continue until the end of that billing period. Partial refunds or prorated refunds for unused portions of a billing period are generally not provided unless required by applicable law. 7. Failed or Disputed Payments If a payment cannot be processed, access to the Membership may be suspended or terminated until the payment issue has been resolved. Initiating a payment dispute or chargeback does not automatically cancel your Membership. If you believe that you have been charged incorrectly, we encourage you to contact us before initiating a payment dispute so that we may attempt to resolve the issue promptly. 8. Fraudulent or Abusive Refund Requests We reserve the right to decline refund requests where there is evidence of fraud, abuse, or misuse of this Policy, to the extent permitted by applicable law. Examples may include: * repeated refund requests after multiple purchases; * fraudulent payment activity; * abuse of promotional offers; * other conduct intended to obtain access to the Membership without legitimate payment. This section does not affect any mandatory legal rights that cannot be waived. 9. Changes to this Policy We may update this Withdrawal & Refund Policy from time to time to reflect changes in applicable law, our business practices, or our Membership offerings. Any updated version will apply to future purchases from its effective date unless otherwise required by applicable law. 10. Contact Information Questions regarding this Policy may be directed to: JS Media LLC Business Address: 30 N Gould St, STE R, Sheridan, WY 82801, USA Email: support@schuldleague.com Website: https://schuldleague.com 11. Governing Consumer Rights Nothing in this Withdrawal & Refund Policy limits, excludes, or replaces any consumer rights that cannot legally be waived under applicable law. Where mandatory consumer protection laws provide greater rights than those described in this Policy, those mandatory rights shall prevail.

Effective Date: July 25, 2026 Last Updated: July 25, 2026 1. Purpose of this Disclaimer The information, educational materials, discussions, and resources provided through The Schuld League are intended solely for general educational and informational purposes. This Disclaimer explains the limitations of the information provided through the Membership and should be read together with our Terms of Membership and other applicable legal documents. Nothing in this Disclaimer limits any mandatory legal rights that cannot legally be waived under applicable law. 2. Educational Content Only The Schuld League provides educational content designed to help Members learn, develop new skills, and engage in discussion. The information presented reflects general educational principles, personal experiences, opinions, and educational frameworks. It is not intended to serve as individualized advice for any specific person or situation. Members remain responsible for evaluating whether any information is appropriate for their own circumstances. 3. No Professional Advice Nothing provided through The Schuld League constitutes: * legal advice; * financial advice; * investment advice; * tax advice; * accounting advice; * medical advice; * psychological advice; * therapeutic advice; * professional advice of any kind. Participation in the Membership does not create any attorney-client, financial adviser-client, physician-patient, therapist-client, fiduciary, or other professional relationship. Members should consult appropriately qualified professionals regarding their own individual circumstances where professional advice is required. 4. No Guarantees of Results Individual results vary. We make no representations, warranties, or guarantees that participation in The Schuld League will result in: * financial success; * business success; * entrepreneurial success; * career advancement; * increased income; * improved productivity; * personal development; * or any other specific outcome. Success depends upon numerous factors beyond our control, including your own effort, experience, skills, circumstances, decisions, and external conditions. 5. Testimonials and Examples From time to time, The Schuld League may include testimonials, success stories, examples, case studies, or discussions regarding personal experiences. These examples are provided solely for illustrative and educational purposes. They should not be interpreted as guarantees, promises, or predictions that any Member will achieve similar results. Past results do not guarantee future outcomes. 6. Personal Responsibility Members are solely responsible for their own decisions, actions, and results. You accept full responsibility for how you interpret and apply the educational information provided through The Schuld League. Before making significant personal, financial, business, legal, or health-related decisions, you should independently evaluate the relevant information and seek professional advice where appropriate. 7. Accuracy of Information We make reasonable efforts to provide accurate, current, and helpful educational information. However, information may become outdated over time, contain inadvertent errors, or become incomplete due to changes in laws, technology, research, business practices, or other developments. Accordingly, we do not guarantee that all information will always be complete, accurate, or current. 8. Third-Party Content and Links The Schuld League may reference or link to third-party websites, products, services, books, tools, software, or other resources. Such references are provided solely as educational resources or for convenience. Unless expressly stated otherwise, such references do not constitute endorsements, sponsorships, or guarantees regarding any third-party products or services. We are not responsible for the content, availability, security, or practices of third-party websites or services. 9. Community Discussions Members may share opinions, experiences, questions, and ideas within the community. Opinions expressed by Members are solely those of the individual Member and do not necessarily reflect the views of JS Media LLC or The Schuld League. We are not responsible for the accuracy or reliability of Member-generated content. 10. Technology and Service Availability While we strive to provide reliable access to The Schuld League, uninterrupted availability cannot be guaranteed. Temporary interruptions may occur due to maintenance, software updates, technical issues, third-party platform outages, internet disruptions, or circumstances beyond our reasonable control. 11. Limitation of Reliance The educational content provided through The Schuld League should not be relied upon as the sole basis for making important decisions. Members should exercise independent judgment and obtain professional advice where appropriate before acting upon information provided through the Membership. 12. Changes to this Disclaimer We may update this Disclaimer from time to time to reflect changes in applicable law, our services, or our business practices. Any updates will become effective upon publication on this Legal Information page. 13. Contact Information Questions regarding this Disclaimer may be directed to: JS Media LLC Business Address: 30 N Gould St, STE R, Sheridan, WY 82801, USA Email: support@schuldleague.com Website: https://schuldleague.com 14. Acceptance By accessing or using The Schuld League, you acknowledge that you have read and understood this Disclaimer. If you do not agree with this Disclaimer, you should not use the Membership.

Effective Date: July 25, 2026 Last Updated: July 25, 2026 Provider Information Company Name JS Media LLC Business Address 30 N Gould St, STE R, Sheridan, WY 82801, USA Email support@schuldleague.com Website https://schuldleague.com Responsible for Content Responsible for the content of this website and The Schuld League Membership: JS Media LLC Business Address: 30 N Gould St, STE R, Sheridan, WY 82801, USA Email: support@schuldleague.com Online Dispute Resolution Where applicable, consumers may have rights to seek alternative dispute resolution under applicable consumer protection laws. We are not obligated to participate in dispute resolution proceedings before a consumer arbitration board unless required by applicable law. Liability for Content We make reasonable efforts to keep the information provided through this website and The Schuld League accurate and up to date. However, we cannot guarantee that all information is complete, accurate, or current at all times. Liability for External Links Our website and Membership may contain links to external websites operated by third parties. We have no control over the content of those external websites and therefore cannot accept responsibility for their content. The respective operators of linked websites are solely responsible for their own content. Copyright Unless otherwise indicated, all content published on this website and within The Schuld League, including text, graphics, videos, educational materials, logos, branding, and other original works, is protected by applicable copyright and intellectual property laws. Any reproduction, distribution, modification, or other use beyond that permitted by applicable law requires prior written permission from JS Media LLC unless otherwise stated. Contact Questions regarding this Impressum may be directed to: JS Media LLC Business Address: 30 N Gould St, STE R, Sheridan, WY 82801, USA Email: support@schuldleague.com Website: https://schuldleague.com