Mogul Operating System (MOS)

1.1 Subscription License

Subject to your compliance with this Agreement and payment of applicable fees, Company grants you a limited, non‑exclusive, non‑transferable, revocable license to access and use the Service for your own business purposes during the term of your active subscription.

1.2 Permitted Use

You may use the Service to:

• Generate content, strategies, and business assets for your own expertise‑based business.
• Access and interact with the AI advisors included in your subscription tier.
• Download and use outputs generated by the Service for your business purposes.

1.3 Restrictions

You may NOT:

• Share, sell, rent, lease, sublicense, or otherwise transfer your access credentials or account to any third party.
• Use the Service to provide services to third parties as a white‑label solution or as part of a competing product, without express written permission.
• Copy, reproduce, or create derivative works based on the Service’s architecture, advisor configurations, or proprietary methodologies.
• Remove, alter, or obscure any proprietary notices or labels on or within the Service.

You must also comply with the restrictions in Section 3.

1.4 Multiple Brands

Your license is granted to you as an individual User. Where the Service supports it, you may maintain separate brands or businesses within your own account, each with its own settings and content. Doing so is permitted and is not a violation of §1.3.

§1.3 restricts multiple people sharing one account, not one person operating more than one of their own businesses. Each additional human user requires their own access.

2.1 Company’s Intellectual Property

The Service, including but not limited to all AI advisors, prompts, workflows, methodologies, frameworks, software, algorithms, interfaces, designs, trademarks, logos, and related content (collectively, “Company IP”), is the exclusive property of Kelly Charles‑Collins, Esq., HR Legally Speaking, LLC, and their related entities, and is protected by U.S. and international intellectual property laws.

This includes, without limitation:

• The Mogul Operating System name, branding, user interface, and architecture.
• All AI advisor personas, prompts, and configurations (including but not limited to Paisley, Chloe, Maya, Patricia, Renee, Sonia, Octavia, Aliyah, Layla, Remixi, and any future additions).
• All proprietary business methodologies and operating-system logic encoded in the Service.
• All training materials, documentation, onboarding flows, videos, and support resources.

Nothing in this Agreement transfers ownership of Company IP to you.

2.2 Your Content

You retain all rights to the content, information, and materials you input into the Service and the business information you provide (“User Content”). You are responsible for the accuracy and legality of your User Content.

Company will use your User Content solely to operate, maintain, and improve the Service for you (for example, to maintain session history, shared memory across advisors, and your dashboard).

2.3 Output Rights

Content generated by the Service in response to your inputs (“Outputs”) belongs to you, subject to the following:

• You may use Outputs for your own business purposes, including in offers, marketing, sales materials, and internal documents.
• You may not resell, redistribute, or publish the raw prompts, system prompts, advisor configurations, or proprietary workflows that produced those Outputs.
• You may not use Outputs, alone or combined with other data, to create, train, or improve any AI system, tool, or product that competes with the Service.
• You acknowledge that similar or overlapping Outputs may be generated for other users, and Company does not guarantee uniqueness.
• Outputs incorporating your Uploaded Materials remain subject to your own rights in those materials.

2.4 Your Images and Uploaded Materials

You may upload photographs, logos, brand assets, video, audio, and other materials to the Service ("Uploaded Materials"). You retain all ownership of your Uploaded Materials.

You grant Company a limited, non-exclusive, royalty-free license to host, store, reproduce, crop, resize, modify, and composite your Uploaded Materials solely as necessary to operate the Service for you — including generating branded graphics, video, and other Outputs at your direction, and delivering those to you or to platforms you have connected. This license exists only to run the Service for you and ends when you delete the material or your account, except for copies already incorporated into Outputs you have downloaded or published.

You represent that you own or have the necessary rights to your Uploaded Materials, and that their use in the Service does not infringe the rights of any third party — including, where an image contains an identifiable person, that you have obtained any necessary permission.

2.5 Retention and Deletion of Your Content

(a) While your access is active. We retain your Uploaded Materials, Outputs, reports and session history for as long as your subscription or access period is active, so that the Service can operate for you.

(b) Export window. If your access ends and is not renewed, you may download a complete copy of your materials for thirty (30) days after the date your access ends. Downloads are available from the reactivation page you are directed to when you sign in.

(c) Deletion. Ninety (90) days after your access ends, we permanently delete the content associated with your brands — including Uploaded Materials, generated Outputs, reports, and session transcripts. This deletion is irreversible and the materials cannot be recovered afterwards.

We will send at least one notice to the email address on your account before this deletion occurs. It is your responsibility to keep that address current and to download anything you wish to keep within the window in (b).

(d) What we keep. Your account record and our billing and transaction records are retained after deletion, as required for accounting, tax and legal purposes and to allow you to sign in again. Your account remaining open does not mean your content has been retained.

(e) If you return. If you resubscribe before the deletion in (c), your materials are restored as they were. If you resubscribe afterwards, you begin with a new, empty account.

3.1 Reverse Engineering & IP Misuse

• Attempt to access, copy, or replicate the underlying prompts, system prompts, models, or advisor configurations.
• Reverse engineer or attempt to discover the proprietary methodologies used in the Service.
• Use the Service or Outputs to build, train, or improve competing AI products or operating systems.
• Extract or harvest Company IP for use outside the Service.

3.2 Misuse & Abuse

• Use the Service to generate illegal, defamatory, harassing, hateful, or otherwise harmful content.
• Use the Service in violation of any applicable laws, regulations, or professional obligations.
• Attempt to circumvent usage limits, access controls, subscription requirements, or technical protections.
• Overload, interfere with, or attempt to disrupt the normal functioning of the Service or its infrastructure.
• Use the Service to spam, phish, or engage in deceptive or fraudulent activities.

3.3 Unauthorized Distribution

• Resell, redistribute, or provide access to the Service to any third party not covered by your subscription.
• Share your login credentials or allow others to access your account.
• Create or maintain multiple accounts to bypass licensing or subscription restrictions.
• Use the Service in a way that circumvents or undermines Company’s business model.

4.1 Plans and Purchase Types

MOS is offered in two purchase types, as described on the pricing page at the time you buy:

(a) Subscription plans. Billed on a recurring basis (for example, monthly or annual) and renewing automatically until canceled in accordance with this Agreement.

(b) One-time purchases. A single payment granting access to specified advisors and features for a fixed access period stated at the time of purchase. A one-time purchase does not renew, is not a subscription, and ends automatically when its access period expires. No cancellation is required and no further charge is made.

By starting a subscription, you authorize Company (or its payment processor) to charge you the applicable subscription fee and any taxes on a recurring basis until you cancel in accordance with this Agreement.

Company may apply a credit toward the price of a subscription for Users upgrading from a one-time purchase, on the terms stated at the time of the offer.

4.2 Founding / Promotional Pricing

From time to time, Company may offer founding or promotional pricing (for example, a reduced rate for an initial group of subscribers).

If you receive a founding or promotional rate that is described as ongoing for as long as you remain subscribed:

• That rate applies only while your subscription remains active and in good standing; and
• If you cancel and later return, you will be charged the then‑current standard rate, not your former founding or promotional rate.

4.3 Renewals & Cancellations

• Monthly plans renew automatically each month unless you cancel before the next billing date.
• Annual plans renew automatically each year unless you cancel before the next annual billing date.
• One-time purchases do not renew. Access ends when the stated access period expires, without notice or further action by either party.

You may cancel at any time through your account or by contacting support. Cancellation stops future billing; it does not entitle you to a refund for past charges except where required by law.

Upon cancellation, you retain access to the Service until the end of your current billing period. After that, access ends, but you may keep any Outputs and reports you have already downloaded, subject to this Agreement.

4.4 No Refunds

Because MOS is a digital Service with immediate access, all subscription fees are non‑refundable except where required by law or where we expressly state otherwise in writing.

4.5 Price Changes

Company may change subscription pricing for future billing periods. We will provide notice of price changes in advance, and you may cancel before the new pricing becomes effective. Continued use of the Service after the effective date of a price change constitutes acceptance of the new pricing.

4.6 Usage Allowances and Credits

Access to the Service includes a usage allowance ("Credits") appropriate to your plan, as described on the pricing page. Credits measure your consumption of AI-generated work within the Service.

• Plan Credits are granted for each billing period and do not carry over. Any unused Plan Credits expire at the end of the period in which they were granted.
• One-time purchases may include a fixed Credit grant for the access period, rather than a recurring allowance.
• Purchased Credits. Company may offer additional Credits for purchase. Purchased Credits do not expire while your account remains active and are used only after your Plan Credits are exhausted.
• When Credits are exhausted, the Service may decline to perform further AI-generated work until your allowance renews or you purchase additional Credits. This is not a failure of the Service.
• Credits have no cash value, are not transferable between accounts, are non-refundable, and are forfeited on termination or expiration of your account.
• Company may adjust allowances for future billing periods on notice, in the same manner as a price change under §4.5.

Company may also apply reasonable measures against use that materially exceeds normal individual business use or that is designed to circumvent these allowances.

4.7 Complimentary and Comped Access

Company may grant complimentary or fee-waived access to the Service, or complimentary usage allowances, to certain Users — for example, members of a Company program or community.

Complimentary access is a discretionary benefit, not a purchased right. It applies only while you remain eligible and your account remains in good standing, and Company may end it at any time on reasonable notice. Company will give notice before complimentary access ends and will make the standard plans available to you.

Ending complimentary access is not a termination of your account, a breach of this Agreement, or grounds for a refund. Unless you then subscribe to a paid plan, your access to the Service ends when the complimentary access ends.

5.1 Availability

We aim to provide reliable access to the Service but do not guarantee uninterrupted availability. The Service may be unavailable at times due to maintenance, updates, technical issues, or circumstances beyond our reasonable control.

5.2 Updates & Changes

Company may at any time:

• Add, modify, or remove features or components of the Service.
• Update AI advisors, prompts, methodologies, interfaces, and workflows.
• Change the structure, layout, or presentation of the Service.

We will endeavor to ensure changes maintain or improve overall value, but we do not guarantee that specific features or configurations will remain available.

5.3 Suspension & Discontinuation

We may suspend or discontinue some or all of the Service (for example, for legal, business, or security reasons). If we discontinue the Service entirely, we will make reasonable efforts to provide advance notice. No refunds are owed for periods before discontinuation except where required by law.

5.4 Publishing to Your Connected Accounts

The Service allows you to connect third-party scheduling and social media accounts. If you connect an account and approve content for publication, you authorize Company to transmit that content to the connected service on your behalf, for publication at the times you specify.

You remain solely responsible for all content published from your accounts, including its accuracy and its compliance with the terms, policies, and community standards of each platform. Company does not review content before it is transmitted and does not control whether a connected platform accepts, schedules, publishes, delays, or removes it.

You are responsible for the credentials and authorizations you provide, and for revoking them if you no longer wish the Service to publish on your behalf. Company is not responsible for any action taken by a connected platform against your account.

6.1 Data Collection & Use

Company collects and processes personal information and usage data in accordance with its Privacy Policy, as posted on the MOS website. By using the Service, you consent to such collection and use.

6.2 Use of Your Data for Training

Company does not use your specific User Content or Outputs to train proprietary MOS advisor logic in a way that would intentionally expose your confidential information to other users. We may use aggregated, anonymized, or de‑identified usage information to improve the Service.

If the Service relies on underlying third‑party AI providers, those providers may process your inputs and outputs to operate and improve their services in accordance with their own terms and privacy policies. Company does not control those third‑party training practices, and you should review their policies separately if this is a concern.

6.3 Data Security

We implement reasonable technical and organizational measures to protect your data. However, no online system is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

6.4 Third‑Party Services

The Service may integrate with third‑party services (for example, underlying AI models, schedulers, payment processors, analytics tools). Your use of those services is subject to their own terms and privacy policies. Company is not responsible for acts or omissions of third‑party providers.

Third-party services used to operate the Service may include AI model providers, speech-to-text transcription providers, media processing services, schedulers, email delivery services, payment processors, and analytics tools. Where you provide audio or video, it may be transmitted to such providers for processing in order to produce the Output you requested.

7.1 General Disclaimer

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON‑INFRINGEMENT.

Company does not warrant that:

• The Service will be uninterrupted, timely, secure, or error‑free;
• Any Output will be accurate, complete, unique, or suitable for your particular business situation;
• The Service will meet your expectations or guarantee any specific results.

You are responsible for reviewing Outputs and exercising your own judgment before relying on them.

7.2 Income & Results Disclaimer

The Service is designed to support business strategy, positioning, pricing, offers, marketing, and related decisions. Company does not promise or guarantee any specific income, revenue, profit, pricing increase, client acquisition, or business outcome. Examples, testimonials, case studies, and pricing changes referenced in marketing or within the Service reflect individual experiences and are not typical or guaranteed.

Your results depend on many factors, including but not limited to your background, skills, market conditions, implementation, and business decisions. You agree that Company is not responsible for your success or failure in implementing any strategies, decisions, or actions based on the Service.

7.3 No Legal, Medical, or Regulated Financial Advice

The Service provides business strategy only. It does not provide legal, medical, tax, investment, or other regulated professional advice. You should consult your own lawyer, accountant, or other licensed professional for matters in those domains.

7.4 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY’S TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNTS YOU PAID FOR THE SERVICE DURING THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

7.5 Indemnification

You agree to indemnify, defend, and hold harmless Company and its officers, directors, employees, contractors, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your violation of this Agreement;
• Your misuse of the Service;
• Your violation of any third‑party rights; or
• Content or Outputs you generate, publish, or distribute using the Service.

8.1 Termination by You

You may stop using the Service at any time and may cancel your subscription as described in Section 4.3.

8.2 Termination or Suspension by Company

We may suspend or terminate your access to the Service, with or without notice, if:

• You violate this Agreement or applicable law;
• You misuse or attempt to compromise the Service or Company IP;
• Your account is used in a way that poses a security, legal, or reputational risk to Company or others.

8.3 Effect of Termination

Upon termination or expiration:

• Your license to access and use the Service ends;
• You must cease using the Service;
• You may retain Outputs and reports you have downloaded, subject to the IP and usage restrictions in this Agreement. Company may make an export function available allowing you to download your reports and related materials. It remains accessible for the export window described in §2.5, after which it closes.

Sections that by their nature should survive termination (including but not limited to Sections 1.4, 2, 2.5, 3, 4.3, 4.5, 4.6, 4.7, 5, 6, 7, 8.3, and 9) will remain in effect.

9.1 Entire Agreement

This Agreement constitutes the entire agreement between you and Company regarding the Service and supersedes all prior or contemporaneous agreements, understandings, or communications on this subject.

9.2 Amendments

Company may update this Agreement from time to time. If we make material changes, we will provide notice (for example, via email or in‑app notification). Your continued use of the Service after the effective date of the updated Agreement constitutes acceptance of the revised terms.

9.3 Governing Law & Dispute Resolution

This Agreement is governed by the laws of the State of Florida, without regard to its conflict of law principles.

Dispute Resolution. In the event of any controversy or claim arising out of or relating to this Agreement or the Service, the parties agree to first attempt in good faith to resolve the dispute through mediation. If the dispute is not resolved within thirty (30) calendar days after written notice of the dispute, either party may submit the matter to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator in Orlando, Florida. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction. The parties waive any right to trial by jury in any proceeding arising out of or relating to this Agreement.

9.4 Severability

If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

9.5 Waiver

No waiver of any provision of this Agreement shall be effective unless in writing and signed by Company. Our failure to enforce any provision shall not be deemed a waiver of that or any other provision.

9.6 Assignment

You may not assign, transfer, or delegate this Agreement or your rights or obligations under it without our prior written consent. Company may assign this Agreement without restriction.

9.7 Contact Information

For questions about this Agreement or the Service, contact:

HR Legally Speaking, LLC — Email: kelly@kellycharlescollins.com