Terms & Conditions Welcome to HZL Consulting GmbH and/or its affiliates (“HZL Consulting,” "creative-course.com," “we,” “our,” or “us”). We provide website features and access to third-party products and services when you visit or shop at [www.hzl-consulting.com ], use HZL Consulting products or services, use HZL Consulting mobile applications, or use software provided by HZL Consulting in connection with any of the foregoing (collectively, “HZL Consulting Services”). HZL Consulting provides these services subject to the following Terms & Conditions. Agreeing to These Terms & Conditions We offer a range of services depending on your needs. Individuals and businesses may use [hzl-consulting.com] to access, post, or purchase content, training, and related services. Most of these Terms & Conditions apply to all users. In some cases, the responsibilities of individuals purchasing content and suppliers or partners providing content may differ. If these Terms & Conditions are inconsistent with specific service terms (“Service Terms”), the Service Terms will control. IMPORTANT – PLEASE CAREFULLY READ AND UNDERSTAND THESE TERMS AND CONDITIONS OF USE & SALE (THESE “TERMS”) BEFORE ACCESSING, USING, SUBSCRIBING, OR PLACING AN ORDER OVER WWW.CREATIVE-COURSE.COM OR ANY OTHER HZL CONSULTING SITE OR ONLINE RESOURCE THAT LINKS TO THESE TERMS. THESE TERMS CONTAIN DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITY, INCLUDING ARBITRATION AND CLASS ACTION WAIVER PROVISIONS THAT LIMIT YOUR RIGHT TO A COURT HEARING, JURY TRIAL, AND TO PARTICIPATE IN A CLASS ACTION (SEE SECTIONS 10, 14, 15, AND 16). ARBITRATION IS MANDATORY AND IS THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS OTHERWISE SPECIFIED IN SECTION 16. THESE TERMS FORM AN ESSENTIAL BASIS OF OUR AGREEMENT. General Use The use of creative-course.com or any other site or online resource to which these Terms are linked (each, a “Website”), owned and maintained by HZL Consulting GmbH (“HZL Consulting,” "creative-course.com," “we,” “our,” or “us”), is governed by these Terms. We offer the Website, including all information, tools, and services available from it to you, the user, conditioned upon your acceptance of all terms and conditions stated herein. By accessing, using, subscribing, or placing an order over the Website, you and your business (including any sub-users you may have) agree to the terms and conditions set forth in these Terms. If you do not agree to these Terms in their entirety, you are not authorized to use the Website in any manner or form. THIS IS A BINDING AGREEMENT. THESE TERMS, TOGETHER WITH OUR PRIVACY STATEMENT, FORM A LEGALLY BINDING AGREEMENT (THE “AGREEMENT”) BETWEEN YOU AND YOUR BUSINESS (“YOU”) AND HZL CONSULTING. THIS AGREEMENT GOVERNS YOUR ACCESS TO AND USE OF THE WEBSITE AND THE SERVICES PROVIDED BY HZL CONSULTING, ANY ORDER YOU PLACE THROUGH THE WEBSITE, BY TELEPHONE, OR OTHER ACCEPTED METHOD OF PURCHASE AND, AS APPLICABLE, YOUR USE OR ATTEMPTED USE OF THE PRODUCTS OR SERVICES OFFERED ON OR THROUGH THE WEBSITE. Please print and retain a copy of this Agreement for your records. HZL Consulting reserves the right to update and change these Terms and all documents incorporated by reference from time to time by posting updates and/or changes on our Website. It is your responsibility to check this page periodically for changes. Your continued use of the Website after such changes constitutes acceptance of those changes. Any new features or tools added to the current Website shall also be subject to these Terms. Table of Contents Website Use Website User Conduct and Restrictions – License Terms Our Privacy Statement and Your Personal Information Information You Provide; Registration; Passwords Order Placement and Acceptance Refunds Subscription Terms and Automatic Payments Shipping Fees Products, Services, and Prices Available on the Website Disclaimer – Your Individual Results Will Vary Your Responsibilities in Running Your Business Testimonials, Reviews, and Pictures/Videos Compliance with the Law; Commitment Against Harassment and Interference with Others Disclaimers of Other Warranties Limitations of Liabilities Dispute Resolution by Mandatory Binding Arbitration and Class Action Waiver Indemnification Notice and Takedown Procedures; Digital Millennium Copyright Act Third-Party Links Termination No Waiver Governing Law and Venue Force Majeure Assignment Electronic Signature Changes to the Agreement Your Additional Representations and Warranties Severability Entire Agreement Contacting Us SECTION 1 – Website Use The Website is intended for businesses operated by adults. By using the Website, you affirm that you are at least 18 years old or the legal age of majority in your state or province of residence (whichever is greater), that you operate a business, that you have the legal capacity to enter into a binding contract with us, and that you have read, understand, and agree to this Agreement. SECTION 2 – Website User Conduct and Restrictions – License Terms All aspects of our Website are protected by U.S. and international copyright, trademark, and other intellectual property laws, including (without limitation) all content, information, design elements, text, logos, taglines, metatags, hashtags, images, testimonials, personal stories, icons, videos, audio clips, and downloads. No material on the Website may be copied, reproduced, distributed, republished, uploaded, displayed, posted, or transmitted in any way. The HZL Consulting name, trademarks, and logos are proprietary marks of HZL Consulting. Nothing in these Terms grants you any right to use, copy, register as a domain name, reproduce, or otherwise display any HZL Consulting logo, tagline, trademark, trade name, copyrighted material, patent, trade dress, trade secret, or confidential information. Subject to your strict and continued compliance with these Terms, HZL Consulting grants you a revocable, limited, non-exclusive, royalty-free, non-sublicensable, non-transferable license to use the Website. You acknowledge that you acquire no ownership rights in any material protected by intellectual property laws. If you purchase a subscription to HZL Consulting’s online materials, HZL Consulting grants you a revocable, limited, non-exclusive, non-sublicensable, non-transferable license to use the applicable software and digital content. You acknowledge and agree that: The software and content are copyrighted material owned exclusively by HZL Consulting under U.S. and international copyright laws. You do not acquire any ownership rights in the software or content. You may not modify, publish, transmit, participate in the transfer or sale of, or create derivative works from the content or software. Except as expressly permitted under applicable copyright law, you may not copy, redistribute, publish, display, or commercially exploit any material from the software or Website without HZL Consulting’s express written permission. In the event of any permitted copying (e.g., downloading to your own system), you may not remove or alter any author attribution, trademark, legend, or copyright notice. You agree not to use or attempt to use the Website or any HZL Consulting software, alone or in conjunction with other software or hardware, in any unlawful, harmful, or abusive manner. You further agree not to commit or attempt to commit any harmful or unlawful act, including but not limited to: Harmful Acts: Any dishonest or unethical practice; violation of law; infliction of harm on HZL Consulting’s reputation; hacking or other digital/physical attacks; scraping, crawling, downloading, or screen-grabbing Website content; introducing viruses or malicious code; interfering with Website security or operation; framing or mirroring the Website; gathering intelligence for competing offerings; infringing third-party intellectual property rights; intercepting or expropriating data; or violating the rights of HZL Consulting or any third party. Spamming and Unsolicited Communications: We maintain zero tolerance for spam and unsolicited communications. Any communications sent or authorized by you that may reasonably be deemed “spam,” or unsolicited solicitations (including posts on social media or blogs) may be treated as a material threat to HZL Consulting’s reputation and the rights of third parties. You are solely responsible for ensuring that all your communications comply with applicable anti-spam and similar laws. Offensive Communications: Any content or communications sent, posted, or authorized by you that are sexually explicit, obscene, vulgar, pornographic, offensive, profane, hateful, threatening, harmful, defamatory, libelous, harassing, discriminatory, graphically violent, or solicit unlawful behavior. Sensitive Information: You will not import or upload into any contact lists or content hosted by HZL Consulting any social security numbers, national insurance numbers, credit card data, passwords, security credentials, bank account information, or other sensitive personal, health, or financial information. SECTION 3 – Our Privacy Statement and Your Personal Information We respect your privacy and the protection of your personal information. Your submission of personal information through the Website is governed by our Privacy Statement (and, if applicable, any data processing addendum for EU/UK users). Our Privacy Statement is incorporated by reference into this Agreement and may be updated from time to time in our reasonable discretion. SECTION 4 – Information You Provide; Registration; Passwords As an HZL Consulting user, you may be required to create an account. You represent and warrant that the information you provide is truthful, accurate, and not misleading, and that you are not impersonating any person or entity. You are responsible for maintaining the confidentiality of your password and account credentials and agree not to transfer or share them with any third party. You are fully responsible for all activity that occurs under your account, including the receipt and use of any technical information, pricing, business strategy, or data about other HZL Consulting users or their customers. SECTION 5 – Order Placement and Acceptance If you order a service or product, payment must be received by HZL Consulting before your order is accepted. We may request additional information if your order is incomplete or inaccurate, and we reserve the right to cancel or limit any order at any time after it has been placed. Any electronic order confirmation or other confirmation you receive does not signify our acceptance of your order. You must contact us promptly at support@[hzl-consulting.com] to modify or cancel a pending order. We cannot guarantee that we will be able to amend your order in accordance with your instructions. All orders are subject to availability. If an item is unavailable, we will attempt to notify you, provide an expected availability date, or offer an alternative product or service. If you do not wish to substitute, we will cancel the impacted portion of your order and, if previously charged, refund your payment method for that portion. We reserve the right to limit the sale of our products and services to any person, geographic region, or jurisdiction, on a case-by-case basis, at our sole discretion. Your purchase order is conditioned on your reaffirming acceptance of this Agreement. All advertised prices are in U.S. Dollars (USD), and all payments must be made in U.S. Dollars. SECTION 6 – Refunds HZL Consulting operates with no refund or exchange policy for digital or intangible services/products. Because many of our services are digital products, they are deemed “used” once they have been emailed, downloaded, accessed, or opened. If you are not satisfied with our services, your sole remedy is to discontinue use and/or unsubscribe from the services. If you choose to stop using our services before the end of your billing cycle, you understand and agree that we are unable to offer refunds, in full or in part, for the remaining portion of that cycle. We do not provide refunds, credits, or prorated billing for canceled subscriptions. To cancel your subscription, please email support@hzl-consulting.com. We may require you to complete a cancellation survey before processing your cancellation. Failure to complete the required steps in a timely manner may result in charges for the next billing cycle. SECTION 7 – Subscription Terms and Automatic Payments You are responsible for paying all amounts due in connection with your subscription to HZL Consulting services, in accordance with these Terms. The initial fee is due upon account setup or at the end of any free or discounted trial period if you have not canceled prior to the end of such period. Each calendar month, your account will be charged the subscription fee plus applicable taxes for the upcoming period, along with any other accumulated charges (collectively, “Fees”). Failure to use the services does not relieve you of your payment obligations. You may pay by credit or debit card. We collect payment details through a secure payment processor. You acknowledge and agree that we may store certain transaction data, such as the last four digits and expiration date of your card, and the timing of payments due. You further acknowledge and agree that payments are due on a recurring basis (e.g., monthly), and you authorize HZL Consulting to charge your payment method in accordance with the applicable subscription terms until you cancel in accordance with these Terms. If you wish to cancel your subscription after any free or discounted period ends, you must submit a cancellation request via support@[hzl-consulting.com or through your account dashboard (if available). For monthly subscriptions, we generally require at least ten (10) days’ notice before the next billing date in order to process cancellation prior to the next charge. HZL Consulting reserves the right to immediately terminate your account or services for any unpaid period of your subscription. Termination does not excuse you from paying outstanding fees. If HZL Consulting initiates collection efforts, you will be responsible for all collection costs, including attorneys’ fees and expenses. SECTION 8 – Shipping Fees If we ship physical products, we may add applicable shipping and handling fees to your order. We will use commercially reasonable efforts to fulfill your order within a reasonable time after receiving a properly completed order. Accurate shipping information is required. Shipping timeframes are estimates and not guarantees. If your order is significantly delayed, we may contact you via the email you provided. If we are unable to contact you or if you prefer to cancel due to a delay, we will cancel your order and refund the amount charged for the canceled items. Risk of loss and title to physical items pass to you upon delivery to the third-party carrier. We are not liable for any loss, damage, cost, or expense resulting from delays or issues caused by third-party carriers. SECTION 9 – Products, Services, and Prices Products, services, and prices are usually posted on creative-course.com and are subject to change without notice. HZL Consulting may discontinue or modify products, services, and prices at any time without incurring any obligation to you. Except as expressly stated in these Terms, any price changes will take effect after we provide you with notice (e.g., via email) and will typically be effective on the first day of the next billing cycle. Your continued use after such changes constitutes your acceptance of the new prices. We take reasonable steps to ensure that the prices and information listed on the Website are accurate, but we do not warrant that product or service descriptions, pricing, or other content are error-free, complete, or current. If the correct price is higher than the stated price, we may, at our discretion, contact you for instructions or cancel your order and notify you. References to third-party products or services are not endorsements and do not constitute warranties by HZL Consulting. SECTION 10 – Disclaimer – Your Individual Results Will Vary Every business is different, with different strategies, structures, products, and services. Therefore, individual results will always vary from user to user. YOUR BUSINESS’S RESULTS WILL DEPEND ON MANY FACTORS UNIQUE TO YOUR BUSINESS, INCLUDING BUT NOT LIMITED TO your content quality, business model, market conditions, and products or services offered. HZL Consulting does not promise, guarantee, or warrant your success, income, or sales. We do not provide sales leads or referrals. We provide access to training, tools, and educational materials only. Whether and how these are applied in your business is entirely your responsibility. We do not make earnings claims, effort-based claims, return-on-investment claims, or claims that our software, tools, or other offerings will generate a specific amount of money. It is possible that you will not recoup your investment. We do not sell a business opportunity, “get rich quick” program, guaranteed system, franchise system, or “business in a box.” You should not purchase our products or services if that is your expectation. You should purchase with the understanding that using the information and training provided will require time, effort, and implementation, and may be applicable in some situations but not others. We do not provide tax, accounting, financial, or legal advice. You should consult your own tax advisor, attorney, or financial advisor regarding those matters. SECTION 11 – Your Responsibilities in Running Your Business You represent and warrant that you operate a business in good standing and that there are no prior or pending governmental investigations or prosecutions against you or your business. You agree to use HZL Consulting’s products and services only for lawful purposes and not for any unlawful or harmful purpose, whether alone or in combination with other software, hardware, or services. You are solely responsible for complying with all laws and regulations applicable to your business, including but not limited to laws governing advertising and marketing claims, subscriptions, refunds, special offers, and taxation. You are also solely responsible for collecting and remitting any sales, use, or other taxes applicable to your business’s sale of products or services. HZL Consulting is not responsible for collecting or reporting any such taxes on your behalf. You agree to promptly notify HZL Consulting if any government investigation or lawsuit is threatened or filed against you, in which case HZL Consulting may terminate this Agreement without liability. You agree to indemnify HZL Consulting in accordance with Section 18 for any claims arising from your violation of law. SECTION 12 – Testimonials, Reviews, and Pictures/Videos HZL Consulting welcomes feedback, testimonials, and product reviews. We may use testimonials or reviews in whole or in part, together with the name, city, and state of the person submitting them, in any medium, including printed and online marketing, at our sole discretion. Testimonials and reviews reflect individual experiences and opinions. As noted in Section 10, your results will vary. By providing testimonials, photos, reviews, or similar content, you grant HZL Consulting a royalty-free, worldwide, perpetual, nonexclusive, irrevocable, and fully sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media. You agree that such submissions are non-confidential and non-proprietary. We reserve the right to edit for grammar, length, or clarity, and to decide whether or not to use any submission. You may post reviews, comments, photos, videos, and other content as long as it is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise objectionable; and does not contain viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or spam. You may not use a false email address or impersonate any person or entity. By posting content, you represent and warrant that you own or control all rights to such content; that it is accurate; and that its use by HZL Consulting does not violate these Terms or any third-party rights. You agree to indemnify HZL Consulting for all claims resulting from the content you supply. HZL Consulting has the right, but not the obligation, to monitor, edit, or remove any activity or content. We assume no responsibility or liability for content posted by you or any third party. SECTION 13 – Compliance with the Laws; Commitment Against Harassment and Interference with Others As an HZL Consulting user, you must comply with all applicable U.S. and foreign laws, including but not limited to: Deceptive and misleading advertising and marketing laws Email marketing laws (e.g., CAN-SPAM Act, 15 U.S.C. § 7701) Telemarketing laws (e.g., Telephone Consumer Protection Act, 47 U.S.C. § 227; FTC Telemarketing Sales Rule, 16 C.F.R. § 310) Laws governing testimonials and endorsements (e.g., FTC Guides, 16 C.F.R. Part 255) Intellectual property, privacy, data security, anti-terrorism, anti-corruption, child protection, and import/export laws You are solely responsible for understanding and complying with all laws applicable to you, your business, and recipients of any digital communications you send using our products or services. If you use any messaging software or other system (whether provided by HZL Consulting or a third party), you agree to comply with all applicable laws regarding such messaging. You agree to indemnify and defend HZL Consulting from any claims arising from your use or misuse of any messaging tools. HZL Consulting does not warrant that any HZL Consulting messaging software will be compatible with third-party software or platforms. You are solely responsible for your use of any messaging tools. Commitment Against Targeting, Harassment, and Interference with Others. You must not use our services, alone or in combination with other tools, to: Store, distribute, or transmit any material that you know or have reasonable grounds to believe is tortious, libelous, offensive, infringing, harassing, harmful, disruptive, or abusive; or Commit, promote, aid, or abet any behavior that you know or have reasonable grounds to believe may be tortious, libelous, offensive, infringing, harassing, harmful, disruptive, or abusive. SECTION 14 – Disclaimers of Other Warranties EXCEPT WHERE OTHERWISE INAPPLICABLE OR PROHIBITED BY LAW: THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO, AND EXPRESSLY DISCLAIM ALL, REPRESENTATIONS AND WARRANTIES AS TO THE RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, AVAILABILITY, ACCURACY, OR COMPLETENESS OF ANY INFORMATION ON THIS WEBSITE. WE DO NOT REPRESENT OR WARRANT THAT: (A) USE OF THE WEBSITE OR ANY SOFTWARE WILL BE SECURE, TIMELY, UNINTERRUPTED, OR ERROR-FREE, OR OPERATE IN COMBINATION WITH ANY OTHER HARDWARE, SOFTWARE, SYSTEM, OR DATA; (B) THE WEBSITE, SOFTWARE, OR SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (C) ANY STORED DATA WILL BE ACCURATE OR RELIABLE; (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE WEBSITE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (E) ERRORS OR DEFECTS WILL BE CORRECTED; OR (F) THE WEBSITE OR SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ALL CONDITIONS, REPRESENTATIONS, AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE (INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT), ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY LAW. SECTION 15 – Limitations of Liabilities EXCEPT WHERE OTHERWISE INAPPLICABLE OR PROHIBITED BY LAW, IN NO EVENT SHALL HZL CONSULTING OR ANY OF ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, INDEPENDENT CONTRACTORS, TELECOMMUNICATIONS PROVIDERS, OR AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES; OR ANY OTHER DAMAGES, FEES, COSTS, OR CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT, THE PRIVACY STATEMENT, THE PRODUCTS OR SERVICES, OR YOUR USE OR ATTEMPTED USE OF THE WEBSITE, SOFTWARE, PRODUCTS, OR SERVICES. THIS LIMITATION APPLIES EVEN IF HZL CONSULTING HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, WARRANTY, OR OTHERWISE). SECTION 16 – Dispute Resolution by Mandatory Binding Arbitration and Class Action Waiver PLEASE READ THIS SECTION CAREFULLY. EXCEPT WHERE PROHIBITED BY LAW, YOU AND YOUR BUSINESS AGREE THAT ANY CLAIM YOU OR YOUR BUSINESS MAY HAVE MUST BE RESOLVED THROUGH FINAL AND BINDING CONFIDENTIAL ARBITRATION. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN A CLASS ACTION. You agree that: Claims must be brought in an individual capacity only, not as a plaintiff or class member in any purported class or representative proceeding; The arbitrator may not consolidate claims or preside over any form of a class or representative proceeding. If you have a dispute or claim, you agree to first contact us at support@[hzl-consulting.com and attempt to resolve it informally. If a claim cannot be resolved within 120 days, it shall be resolved by binding, confidential arbitration administered by the American Arbitration Association (“AAA”). The arbitration will be conducted in English by a single neutral arbitrator in [insert U.S. state/city jurisdiction for arbitration – e.g., California, Nevada, etc.], unless the parties agree to conduct the arbitration by telephone or written submissions. The arbitration will follow the AAA Commercial Arbitration Rules then in effect. The arbitrator has the exclusive authority to interpret and enforce this arbitration provision, determine arbitrability, and rule on the validity of these Terms or any related agreement. The arbitrator will apply the substantive law of the State of Nevada (without regard to conflict of laws principles). Any award shall include a written opinion and will be final and binding, subject only to limited judicial review under the Federal Arbitration Act. You and HZL Consulting agree that disputes may only be arbitrated on an individual basis. If the class action waiver is found unenforceable, this entire arbitration provision shall be null and void. This provision survives termination of your account or relationship with HZL Consulting. SECTION 18 – Indemnification To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless HZL Consulting, its officers, directors, employees, shareholders, licensors, contractors, suppliers, affiliates, parent companies, subsidiaries, and agents from and against any and all claims, losses, liabilities, damages, expenses, and costs (including reasonable attorneys’ fees) arising out of or related to: Your use, misuse, or attempted use of the Website, software, products, or services; Information you submit or transmit through the Website; Your breach of these Terms or any incorporated documents; Your violation of any law or third-party rights. SECTION 19 – Notice and Takedown Procedures; Digital Millennium Copyright Act If you believe any materials on the Website infringe your copyright, you or your agent may send HZL Consulting a notice requesting removal of the allegedly infringing material. If you believe someone has wrongly filed a notice against you, you may send a counter-notice. Notices and counter-notices should be sent to: HZL Consulting GmbH Legal Department Dorotheenstr. 54 22301 Hamburg GERMANY Email: legal@hzl-consulting.com These Terms incorporate our DMCA Policy by reference. SECTION 20 – Third-Party Links The Website may contain links to third-party sites. Any views, information, or opinions expressed in third-party content are those of the authors or contributors and not necessarily of HZL Consulting. HZL Consulting does not verify the accuracy of third-party content and assumes no responsibility for the content or functionality of non-HZL websites linked to from our Website. Please review third-party terms and privacy policies before using their sites. SECTION 21 – Termination This Agreement becomes effective when you first: Click “Activate My Account,” “Pay Now,” “Order Now,” “Submit,” “Buy Now,” “Purchase,” “I Accept,” “I Agree,” or similar; Submit information through the Website; Begin installing, accessing, or using the Website; or Complete a purchase or provide payment information. If, in our sole discretion, we believe you have violated this Agreement or any law, we may terminate the Agreement or suspend your access to the Website at any time without notice. The provisions that by their nature should survive termination (including Sections 10, 14–16, 18, 20–30 and any representations and warranties) shall continue in full force and effect. Upon termination, you remain responsible for any outstanding payments. SECTION 22 – No Waiver No failure or delay by HZL Consulting in exercising any right or remedy under this Agreement shall operate as a waiver thereof. Any waiver must be in writing and signed by HZL Consulting. SECTION 23 – Governing Law and Venue This Agreement and any dispute arising out of or related to this Agreement, the Website, the Privacy Statement, or any HZL Consulting product or service shall be governed exclusively by the laws of the State of California, without regard to conflict of law principles. To the extent any claim is found not subject to arbitration under Section 16, such claim shall be brought exclusively in the state or federal courts located in California, and you consent to their exclusive jurisdiction and venue. Claims must be brought on an individual (non-class) basis. SECTION 24 – Force Majeure HZL Consulting shall not be liable for any delay or failure to perform caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, shortages, or failures of third-party networks or services. SECTION 25 – Assignment HZL Consulting may assign its rights and obligations under this Agreement at any time, without notice. You may not assign your rights or obligations without HZL Consulting’s prior written consent. SECTION 26 – Electronic Signature All information communicated on or through the Website is considered an electronic communication. By using the Website or sending us electronic communications (including email), you consent to receive communications from us electronically. You agree that all electronic communications have the same legal effect as if in writing and signed by the sending party. SECTION 27 – Changes to the Agreement You may review the most current version of these Terms at creative-course.com/terms-of-service . We reserve the right, at our sole discretion, to update or replace any part of this Agreement, including the Privacy Statement, by posting changes to our Website. Your continued use of the Website after any such changes constitutes acceptance of those changes. SECTION 28 – Your Additional Representations and Warranties You further represent and warrant that: You are at least 18 years old or the age of majority in your jurisdiction (whichever is greater). You own, operate, or are authorized to bind the business for which you use the Website. You have read and understand this Agreement, and agree to be bound by it. You will not resell, redistribute, or export any product or service purchased from the Website without authorization. HZL Consulting may rely on the information you provide and may contact you via email, telephone, or postal mail for various purposes, including follow-up calls, satisfaction surveys, or order-related inquiries. You further represent that there are no prior or pending investigations, inquiries, prosecutions, or lawsuits by any governmental authority or private party against you or any related business. You agree to notify HZL Consulting within 24 hours if you or any related business becomes subject to such an investigation or lawsuit. HZL Consulting may terminate this Agreement based on such information without incurring any liability. SECTION 29 – Severability If any provision of this Agreement is found invalid or unenforceable by an arbitrator or court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and such provision shall be modified to the minimum extent necessary to make it enforceable and consistent with the overall intent of the Agreement. SECTION 30 – Entire Agreement These Terms, the Agreement, our Privacy Statement, and any policies or operating rules posted on the Website constitute the entire agreement between you (and your business) and HZL Consulting and supersede all prior or contemporaneous agreements, proposals, communications, and understandings, whether oral or written. Any new features or services introduced in the future will also be subject to these Terms unless we expressly state otherwise. Any ambiguities in the interpretation of these Terms shall not be construed against HZL Consulting as the drafting party. SECTION 31 – Contacting Us / Communications & Consent If you have questions or comments about our products, services, or these Terms, you may contact us at: HZL Consulting GmbH Email: support@hzl-consulting.com Mail: HZL Consulting GmbH Dorotheenstr. 54 22301 Hamburg GERMANY By submitting forms on our Website or otherwise providing your contact information, you consent to being contacted by HZL Consulting and its affiliates via email, phone, SMS/text, and, where permitted by law, automated or pre-recorded messages, even if your number is on a federal or state Do-Not-Call list. Message and data rates may apply. You are solely responsible for any fees charged by your phone, mobile, or internet providers. To unsubscribe from email, SMS, or phone communications, you may: Reply “STOP” to any SMS message; and/or Email support@hzl-consulting.com with the phone number and/or email address to be removed.