mina mornings Program Member Agreement

By agreeing to the terms of service hereof you irrevocably agree that, if Mina Shah Enterprises, LLC (the "Company" or "MSE") approves your application and accepts you to the mina meetings, mina mingles or ripple (the "Program"), then this mina meetings Participant Agreement (the "Agreement") automatically becomes a binding contract between you and the Company, and applies to your participation in the Program. You acknowledge that you have read, agree to, and accept all of the terms and conditions contained in this Agreement. We may amend this Agreement at any time by sending you a revised version at the address you provided above.

1. Cancellation and Refund Policy.

A Default. Any payments delinquent for more than 30 days will be deemed in default and MSE has the right to cancel this Agreement.

B. Disruptive Behavior. MSE may, in its sole discretion, terminate this Agreement, and limit, suspend, or terminate your participation in the Program if you become disruptive or difficult to work with, if you fail to follow the Program guidelines, or if you impair the participation of Program instructors or other participants.

(i) If you are a monthly payment member and are terminated for this reason, MSE's sole responsibility will be to stop charging you for any remaining monthly payments or sessions for the remainder of the Program.

(ii) If you paid your membership in a lump sum before the start of the Program and are terminated for this reason, MSE's sole responsibility will be to refund, pro-rata, the difference remaining of the sums you paid through to the end of the Program minus.

C. Voluntary Withdrawal from the Program. In the event you decide to cancel this Agreement and stop attending any and all sessions there is no refund.

2. Confidentiality.

A. We respect your privacy and must insist that you respect the privacy of fellow Program participants. You agree not to violate the publicity or privacy rights of any Program participant. MSE respects your confidential and proprietary information, ideas, plans and trade secretes (collectively, "Confidential Information") and insists that you respect the same rights of fellow Program participants and of the Company. You agree, except for Information that cannot be kept confidential because of applicable laws, statues or court order (1) not to infringe any Program-participants or the Company's copyright, patent, trademark, trade secret or other intellectual property rights, (2) that any Confidential Information shared by Program participants or any representative of the Company is confidential and Proprietary, and belongs solely and exclusively to the Participant who discloses it, or to the Company if disclosed by the Company, and (3) you agree not to disclose such information to any other person or use it in any manner other than in discussion with other Program participants during Program sessions.

B. You further agree that (4) all materials and information provided to you by the Company are its confidential and proprietary intellectual property, belonging solely and exclusively to the Company, and may only be used by you as authorized by the Company, and (5) the reproduction, distribution and sale of these materials is strictly prohibited. Further, you agree that if you violate, or display any likelihood of violating, any of your agreements contained in this paragraph the Company and/ or the other Program participant(s) will be entitled to injunctive relief to prohibit any such violations to protect against the harm of such violations.

3. Services and Nature of the Relationship.

A. MSE offers educational services via coaching seminars and sessions for your planning, education, and motivation. You acknowledge and agree that these coaching sessions are not psychological counseling, relationship counseling, financial advising, estate planning, nor any other type of counseling or therapy sessions.

B. You agree that MSE is not a financial advisor or a broker dealer. No content provided by either coaching or the coaching course materials is intended as financial advice and MSE does not recommend any particular investment.

C. If you feel you need professional counseling or therapy, it is your responsibility to seek the help of a licensed professional.

D. You agree that from time to time your coaching calls may be monitored or recorded as part of our quality control processes and training for coaches.

E. We have made every effort to accurately represent the program and its potential. Claims of actual earnings can be verified and examples of actual results can be provided, upon request. The testimonials and examples used are not intended to represent or guarantee that anyone will achieve the same or similar results.

F. Each individual's success depends on many factors, including his or her background, dedication, desire, and motivation. You acknowledge (1) that as with any business endeavor, there is an inherent risk of loss of capital and there is no guarantee that you will earn any money as a result of your participation in the Program, (2) that no representations or promises have been made to you, and you are not relying upon any representations or warranties, regarding the outcome or results of your participation in the Program, (3) all advertising material and all prior representations or agreements, if any, whether oral or written, have no effect in this Agreement and are hereby superseded by this Agreement, (4) that you are entering into the Program of your own free will without expectation or any particular result and (5) that you represent to the Company that payment of your Program membership fees will not place a significant financial burden on you or your family.

4. Attendance.

A. You agree that participation in the Program requires your attendance on the call and in the group for the Program you have registered for. If you fail to participate in any calls or meetings during the Program you shall not be entitled to any refund or pro-rating of your fees for failure to attend such meetings or events.

5. Payment of fees.

You authorize the Company to charge your credit or debit card, each and every month during your membership, as payment for your membership in the Program plus any cancellation fees payable under this Agreement.

If you are paying for mina meetings on a monthly payment plan your account must be current under the terms of this Agreement before the start of each session. If you do not pay by the agreed dates of your sessions, then you will be considered in default of this Agreement and will not be able to attend until you bring your account current.

6. Indemnification.

You agree to indemnify and hold harmless MSE and affiliated companies, their officers, directors, and employees from any and all claims, demands, suits, expenses, costs, attorney fees, judgments, or other charges incurred by you as a result of your voluntary choice to participate in these coaching sessions. You will not hold MSE responsible for any actions or adverse results created as a direct result of advice given by MSE.

7. General Provisions.

A This Agreement contains the entire agreement between you and MSE and no addition or modification of any terms shall be effective unless set forth in writing and signed by you and MSE. No
sales representative of MSE has the authority to modify the terms of this agreement.

B. Approval. Approval and acceptance of this Agreement will be required prior to commencement of any of the Coaching Sessions.

C. Attorney's Fee's. If it becomes necessary to enforce this Agreement through legal action, then we shall be entitled to recover reasonable attorney's fees and costs incurred in such enforcement of this Agreement.

D. Subject to Change. Dates and time of sessions will be determined by Coach's availability.

E. Governing Law. This Agreement shall be governed and construed by and under the laws of the State of Florida.

F. Disputes. Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.