Terms of Service and Retreat Terms of Purchase

These Terms govern the EPIC Retreats Cabo website, its applications, registration and payment pages,

related communications and materials, and the purchase of and participation in the EPIC Cabo retreat in

Los Cabos, Mexico. Bald Business LLC, doing business as EPIC, is the contracting company ("EPIC,"

"we," "us," or "our"). "You" means the website user, purchaser, or participant, as applicable. "Retreat"

means the particular Cabo event identified in your order. These Terms also apply when displayed on a

replacement or production version of the Cabo website.

IMPORTANT: ALL RETREAT SALES ARE FINAL AND PAYMENTS ARE NON-REFUNDABLE,

SUBJECT TO RIGHTS THAT APPLICABLE LAW DOES NOT ALLOW YOU TO WAIVE. These Terms

include an assumption of risk, a release of claims including certain ordinary-negligence claims, limitations

of liability, and an agreement to individual arbitration with a 30-day opt-out right. Read Sections 5, 7, 11,

and 20 through 23 before purchasing.

1. Agreement, eligibility, and company identity

You must be at least 18 and legally able to enter a contract. You agree to the applicable Terms when you

affirmatively accept them through an application, checkout, electronic signature, or registration process.

We will make these Terms available before that acceptance. Merely receiving a link or viewing a page

does not by itself sign a retreat purchase agreement. If you do not agree, do not complete the application

or purchase or use restricted services.

EPIC Retreats, EPIC Cabo, and related EPIC names are brands used for offerings of Bald Business LLC.

Vic Keller and EPIC personnel act on behalf of the company, and do not personally guarantee contractual

performance, payments, or your results. Contract claims concerning EPIC's obligations must be directed

to Bald Business LLC. This provision does not eliminate liability that applicable law imposes on an

individual for that individual's own conduct.

If you purchase for a business, you represent that you can bind that business to its payment obligations.

Each attendee must separately accept the participation terms and any required waiver. A purchaser

cannot consent to another adult's media use, marketing, or release of personal injury claims without valid

authority.

2. Applications, acceptance, and seat reservations

An inquiry, application, waitlist entry, or sales conversation does not guarantee admission, availability, a

specific date, or a reserved seat. Information you provide must be accurate and current. We may request

information, conduct a conversation, and accept or decline an application based on legitimate event,

capacity, safety, and community considerations, subject to applicable law.

A seat is reserved only after EPIC confirms acceptance and receives the payment required in your order.

Any deposit reservation remains conditional on timely payment of the balance and completion of

onboarding. An application alone does not obligate you to purchase. A rejected application does not

authorize a charge for a seat we have not agreed to provide.

Each registration covers one named, approved attendee. Spouses, partners, co-founders, employees,

and other guests require separate written approval and a separately purchased seat unless the order

expressly includes them. No resale, assignment, gifting, substitution, or transfer is permitted without ourprior written approval. An approved replacement must satisfy our admission requirements and sign the

applicable agreements.

3. Retreat offering, inclusions, and order details

The Retreat is a private business education and experiential event. It may include group discussions, work

on your business, leadership education, meals, networking, reflection, and optional activities. Faith and

personal values may be discussed. Participation in faith practices is voluntary. Descriptions of clarity,

momentum, relationships, or implementation express the program's objectives and do not guarantee

personal or business outcomes.

Your checkout, invoice, or written purchase confirmation accepted before payment (the "Order") specifies

the total price, currency, event dates or expressly disclosed date status, payment schedule, and included

benefits. Review those details before committing. Only listed inclusions form part of the purchased

package. General photographs, venue imagery, sample agendas, and examples from other retreats do

not promise a particular activity or amenity.

Unless expressly included in the Order, airfare, hotels, lodging, airport transfers, ground transportation,

passports, visas, travel insurance, excursions, personal purchases, extra meals or beverages, gratuities,

taxes payable to third parties, and incidental expenses are your responsibility. No membership in EPIC

Boardroom or another EPIC program, ongoing coaching, recordings, private session, investment

introduction, or future event admission is included unless expressly stated in the Order. Any included

post-event access is limited to the scope and period stated there.

If dates or the price have not been announced, a free waitlist entry does not create a purchase. A paid

reservation before final dates or pricing requires a separate, conspicuous written disclosure of exactly

what you are buying and the resulting obligations. These Terms do not supply missing commercial details

or authorize an undisclosed price increase.

4. Prices, deposits, installments, and payment authorization

Amounts and currency are those in the Order. Applicable EPIC-collected taxes and mandatory charges

must be disclosed before you pay. Your bank may impose currency-conversion, financing, or

international-transaction charges. A deposit is part of, and is credited toward, the total purchase price

unless the Order clearly identifies a different service.

When an Order states that you are purchasing the full Retreat through a deposit or payment plan,

accepting it commits you to the disclosed total price. Installments divide payment of that price; they are not

a subscription that you can cancel to avoid the remaining balance. Your decision not to attend does not

discharge an otherwise enforceable balance, subject to Sections 5 and 7 and mandatory law. No full-price

obligation arises from an unspecified or undisclosed balance.

You authorize the payment processor to charge the payment method you supply for the amounts and

dates you expressly approve. This authorization covers the disclosed installment schedule only. It does

not authorize a new subscription, renewal, optional upgrade, or unrelated product. Required bank-debit or

other payment-specific authorizations will be obtained separately. Keep billing information current and use

a payment method you are authorized to use.

Payment deadlines are those in your Order. Unless the Order provides otherwise, full payment is required

before attendance. For a missed installment, we may give written notice and a reasonable opportunity to

cure when practicable, suspend the reservation or related access, and release the seat if the default is notresolved. You remain responsible for valid unpaid obligations. We may pursue lawful collection and

reasonable collection expenses only to the extent recoverable under the agreement and applicable law,

without duplicate recovery or unlawful penalties.

5. Final sale and no-refund policy

ALL SALES ARE FINAL. DEPOSITS, PARTIAL PAYMENTS, INSTALLMENTS, BALANCE PAYMENTS,

AND PAYMENTS IN FULL ARE NON-REFUNDABLE AND NON-CANCELLABLE. NO VOLUNTARY

CASH REFUND, PRORATED REFUND, DISCOUNT, FUTURE-EVENT CREDIT, OR SEAT TRANSFER

IS OWED BECAUSE YOU CANNOT OR CHOOSE NOT TO ATTEND, SUBJECT TO SECTION 7 AND

NON-WAIVABLE LEGAL RIGHTS.

This policy applies to change of mind, scheduling or business conflicts, financial circumstances, illness,

injury, family emergencies, bereavement, travel delays or cancellations, weather affecting your travel,

missing or invalid travel documents, denied entry or boarding, late arrival, early departure, missed

sessions, unused benefits, dissatisfaction, or failure to obtain a desired result. These circumstances do

not by themselves cancel a valid payment-plan balance. Consider the commitment carefully before

paying.

Any voluntary exception must be confirmed in writing by an authorized EPIC representative and applies

only to the situation described. A prior exception, informal discussion, seat resale, or decision not to

enforce an obligation does not create a continuing refund entitlement. We cannot promise that insurance

will reimburse you.

This policy does not override a legally required refund, cancellation right, remedy for non-delivery or

material misrepresentation, unauthorized-transaction protection, or payment-dispute right. Whether such

rights apply depends on the transaction and governing law. Nothing in these Terms authorizes EPIC to

keep payments contrary to applicable law.

6. Billing errors and payment disputes

For a billing question, contact info@vickeller.com with your name, Order reference, and a description of

the issue. Please give us an opportunity to investigate promptly. Contacting us is not a prerequisite to a

protected dispute and does not extend a bank, card-network, or legal deadline.

You must provide truthful information in a payment dispute. Knowingly false or fraudulent claims breach

these Terms. EPIC may submit the Order, accepted Terms, consent records, payment records,

communications, and service-delivery records to relevant processors, banks, advisers, or authorities. A

good-faith exercise of a protected dispute right is not itself a breach and will not be punished. Access may

be affected by an actual payment default to the extent permitted by law. Neither a dispute filing nor its

administrative outcome automatically determines either party's ultimate contractual rights.

7. Schedule changes, postponement, and cancellation by EPIC

We may make reasonable operational adjustments to times, sessions, meals, activities, speakers, or

venues, including changes needed for safety. Minor adjustments do not ordinarily create a refund

entitlement. If a change materially affects the purchased experience, we will provide written notice and

apply the protections in this section. General change language does not authorize us to disregard an

express material promise in your Order.

If the Retreat is postponed or rescheduled, our commercial policy is to carry your payment forward to the

rescheduled Retreat without a voluntary cash refund. We may instead offer an alternate EPIC event or anevent credit in writing. If the original event is cancelled, we will notify you of any rescheduled date,

replacement event, or credit available. An alternative will identify its value, any price difference, applicable

restrictions, and the period for accepting it. No additional payment is required without your agreement.

Unless the offer states a longer period, you have 90 days after our notice to elect an available alternative

or redeem an offered discretionary credit toward an eligible booking. Attendance may occur later. A

required legal remedy will not expire because of this contractual period. If no eligible option is reasonably

available during the period, we will extend the election or redemption period. An alternative does not

permit indefinite postponement or forced acceptance of a materially different service where law requires

another remedy.

Payments remain subject to our no-voluntary-refund policy, but any mandatory right to reject a material

change or receive a refund or other remedy controls. If EPIC permanently cancels without delivering the

Retreat or a legally permissible replacement, we will provide the remedy required by applicable law. We

do not promise a discretionary refund in other cases.

To the fullest extent permitted by law, EPIC will not reimburse separately incurred travel, lodging, airfare,

transportation, lost work, lost revenue, or incidental expenses resulting from event changes or

cancellation. This does not exclude liability or compensation that the law prohibits us from excluding. Book

travel with the event's confirmed status and cancellation risk in mind.

8. Events beyond reasonable control

Performance may be delayed or prevented by circumstances outside a party's reasonable control,

including hurricanes, severe weather, fire, natural disaster, epidemic, government restrictions, civil

disturbance, security emergencies, transport disruption, or an independently caused venue or utility

failure. The affected party must act reasonably to reduce the impact and communicate material changes.

Ordinary lack of funds or disappointing enrollment is not automatically such a circumstance.

EPIC may suspend, relocate, postpone, modify, or cancel affected activities when reasonably necessary.

Section 7 governs payments, alternatives, and mandatory remedies. This section excuses performance

only to the extent allowed by law and caused by the event; it does not excuse obligations that law requires

despite that event.

9. International travel and independent providers

You arrange your own transportation and lodging unless your Order expressly includes a service. You are

responsible for checking current passport, visa, entry, exit, immigration, health, customs, and travel

requirements for Mexico and every transit country, and for obtaining the required documents. EPIC does

not guarantee admission, travel availability, immigration status, or safety in any location.

Consider appropriate travel cancellation, interruption, medical, and emergency-evacuation insurance.

Determine directly with an insurer what is covered, excluded, or time-sensitive. Participation, including

travel to and from the venue, is voluntary. Follow local law and provider requirements.

Independent hotels, transport operators, excursion operators, venues, and technology providers may have

separate contracts, safety rules, privacy notices, and waivers. We do not guarantee their independent

performance. Our recommendation or introduction does not make every provider our employee or agent.

However, this provision does not disclaim EPIC's own contractual duties for an included service or legal

responsibility for selecting, arranging, or supplying services where applicable law imposes it.10. Health, accommodations, alcohol, and safety

Evaluate your ability to participate and obtain appropriate medical advice. Tell us promptly about an

accommodation request or essential dietary or safety need using a private channel. Share only

information necessary for that request. We will address accommodation obligations under applicable law;

availability of a particular accommodation or an allergen-free environment cannot be assumed without

confirmation.

Activities may involve sun and heat, ocean conditions, pools, boating, uneven surfaces, outdoor

environments, food, alcohol, and travel. Follow staff and provider safety instructions, use required safety

equipment, and decline any activity you consider unsafe or beyond your abilities. Optional activities are

not required for participation in the business program. No credit is owed solely because you skip an

optional activity.

Comply with local alcohol laws. Do not operate vehicles or participate in activities while impaired. Illegal

drugs, violence, threats, dangerous conduct, and unauthorized weapons are prohibited. Report hazards or

incidents promptly. We may stop participation when reasonably necessary for safety.

If an emergency occurs and you cannot make decisions, you authorize EPIC to contact emergency

services and your designated emergency contact and provide information reasonably needed for

assistance, subject to law. EPIC does not provide medical care or guarantee response times. You are

responsible for your own medical and evacuation expenses except where applicable law assigns

responsibility otherwise. A provider may require a separate activity-specific consent or waiver.

11. Assumption of risk and limited release

PLEASE READ CAREFULLY. PARTICIPATION CAN INVOLVE SERIOUS INJURY, ILLNESS,

DISABILITY, DEATH, OR PROPERTY LOSS. Risks include transport accidents; drowning and boating

accidents; currents and changing ocean conditions; falls; heat exposure; severe weather; food reactions;

infectious illness; alcohol-related incidents; crime; and the conduct of other people. Some risks cannot be

eliminated even with reasonable care.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU VOLUNTARILY ASSUME THE

INHERENT AND REASONABLY FORESEEABLE RISKS OF THE ACTIVITIES YOU CHOOSE TO

UNDERTAKE. YOU RELEASE BALD BUSINESS LLC AND ITS OWNERS, OFFICERS, EMPLOYEES,

AND REPRESENTATIVES, INCLUDING VIC KELLER (THE "RELEASED PARTIES"), FROM CLAIMS

FOR PERSONAL INJURY, DEATH, OR PROPERTY DAMAGE ARISING FROM YOUR

PARTICIPATION, INCLUDING CLAIMS CAUSED IN WHOLE OR PART BY A RELEASED PARTY'S

ORDINARY NEGLIGENCE, ONLY TO THE EXTENT SUCH A RELEASE IS LAWFUL.

THIS RELEASE DOES NOT COVER GROSS NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD,

RECKLESSNESS WHERE NON-WAIVABLE, OR ANY DUTY OR LIABILITY THAT APPLICABLE LAW

DOES NOT PERMIT TO BE RELEASED. It does not release contractual obligations to provide paid

services, excuse unlawful discrimination, or eliminate statutory consumer remedies. No one signs away

another person's independent rights without lawful authority. Separate, conspicuous, signed waivers may

be required for particular activities. If a waiver cannot lawfully apply, the applicable legal standard governs.12. Conduct, access restrictions, and removal

Treat participants, personnel, and vendors respectfully. Do not harass, threaten, discriminate,

impersonate, misrepresent qualifications, disrupt sessions, violate safety rules, misuse contact

information, engage in unlawful conduct, or solicit, recruit, or aggressively pitch without permission. Follow

reasonable venue and community rules disclosed to you.

We may refuse or suspend access or remove a participant for a material breach, nonpayment,

misrepresentation, unlawful conduct, or a reasonable safety concern. We may act immediately when

necessary to protect people or confidential information. Removal caused by your breach does not create a

voluntary refund, credit, or transfer right, subject to law. A cancellation by EPIC for reasons unrelated to

your breach is governed by Section 7. These rules do not restrict truthful reviews, protected complaints, or

cooperation with authorities.

13. Confidentiality and private discussions

Do not disclose or misuse another participant's or EPIC's nonpublic business, financial, strategic,

personal, or operational information shared in a setting reasonably understood to be private. Use it only to

participate in the relevant discussion, with permission for any additional use. Do not disclose identifiable

deals, customer lists, financial records, contact details, or personal stories in public posts, marketing, or

conversations with others without authorization.

This duty does not cover information you can demonstrate was already lawfully known to you without

restriction, becomes public without a breach, is independently developed, or is lawfully received from an

unrestricted third party. You may make disclosures required by law, obtain confidential advice from your

own professional advisers, report suspected unlawful conduct, or exercise protected rights. Give advance

notice of compelled disclosure when lawful and practicable and limit the disclosure appropriately.

Confidentiality continues while the information remains confidential.

EPIC will not treat sensitive application information or private-session disclosures as permission for

unrestricted promotional reuse. Sessions are collaborative and do not create attorney-client or other legal

privilege. We require confidentiality but cannot guarantee that every attendee will comply. Avoid sharing

trade secrets or personal information beyond what you consider appropriate. General lessons you

independently learn may be used in your business without revealing confidential information or copying

protected materials.

14. Recordings, photography, and media permissions

Do not record, livestream, photograph private sessions, screenshot restricted content, or use transcription

software or an AI meeting bot without EPIC's and other required participants' permission. Permission for a

personal photo is not permission to publish confidential details. We may require unlawful or unauthorized

copies to be removed, while preserving legally protected evidence and communications.

EPIC may arrange photography, video, audio, or transcription in identified areas or sessions, with advance

notice and legally required consent. By separately agreeing to an EPIC media release, you authorize the

uses stated there, which may include worldwide, royalty-free use of approved recordings, your likeness,

voice, and statements in EPIC websites, advertising, educational materials, and social media, without

compensation unless agreed otherwise. No separate media release is inferred from merely visiting the

website.If you do not want to appear in promotional material, notify info@vickeller.com before the Retreat so we

can discuss arrangements. Any permission remains subject to applicable consent and withdrawal rights

and the signed release. We will not fabricate an endorsement, materially distort a statement, or knowingly

publish confidential business or sensitive personal information through a general media permission.

Private consultation details and promotional testimonials require appropriate specific authorization.

15. Intellectual property and participant submissions

EPIC and its licensors retain ownership of their branding, presentations, frameworks, worksheets,

recordings, software, and other protected materials. Subject to payment and compliance, you receive a

limited, nonexclusive, nontransferable license to use materials supplied to you for your personal

development and internal business purposes. You may not distribute, resell, publicly teach, sublicense,

publish, or use protected content to create a competing product without written permission. Applicable

statutory exceptions remain available.

You retain ownership of content you provide. You grant EPIC a nonexclusive license to store, reproduce,

process, and display it as reasonably needed to evaluate your application, deliver the service, provide

support, and meet legal obligations. Public promotional reuse requires the applicable media permission or

a separate authorization. Private submissions are not an unrestricted license to sell or publicize your

business information. Any license remains subject to the Privacy Policy and non-waivable rights.

Submit only content you have the right to share. Do not include another person's confidential information

without permission. We may remove unlawful or infringing submissions and restrict licenses or access for

a material breach. General feedback may be used to improve services without payment, but does not

authorize disclosure of confidential information. Nothing requires you to transfer ownership of a review or

prevents an honest review.

16. Education, earnings, introductions, and independent decisions

The Retreat supplies education, discussion, and experiences. It does not promise revenue, profits,

funding, customers, deals, relationships, enterprise value, an exit, or any other measurable result. Your

outcome depends on your circumstances, resources, choices, execution, and external conditions. The

separate EPIC Cabo Earnings and Results Disclaimer explains these limitations and forms part of your

accepted Retreat agreement.

Nothing creates a licensed legal, tax, accounting, medical, mental-health, securities, or investment

advisory relationship, a fiduciary duty, partnership, agency, or joint venture. Obtain your own qualified

advice and perform due diligence before acting. A paid educational discussion does not appoint Vic Keller

or another attendee as your professional adviser.

An introduction is not a recommendation, background check, credit assessment, or endorsement of a

transaction. We do not guarantee another person's representations or performance. Any investment,

financing, acquisition, employment, or partnership agreement requires separate evaluation and

documentation. Buying a Retreat seat does not buy securities, equity, investment access, a franchise, or a

guaranteed business opportunity. These limitations do not excuse deceptive statements or breaches of

express commitments.

‍17. Website access, third-party tools, and AI

Use the website lawfully. Do not bypass access controls, share restricted credentials, introduce malware,

disrupt systems, harvest personal information, infringe rights, or conduct unauthorized scraping or

commercial reuse. Protect any credentials and report suspected misuse. We may suspend access to

address security incidents or material violations.

Third-party links and tools are subject to their own terms. Where AI or automation supports

communications, summaries, or educational content, outputs may be inaccurate, incomplete, biased, or

unsuitable. Verify information before relying on it and do not submit confidential data to a third-party tool

without authority. Data handling is described in the Privacy Policy. No AI tool is a substitute for

professional judgment.

18. Communications, text messaging, and privacy

We may send communications needed to respond to your request and administer your purchase or

participation. Marketing texts, automated marketing calls, and other communications requiring consent will

be sent only with the required separate consent. Applying, purchasing, or accepting these Terms does not

by itself supply that consent, and marketing consent is not a condition of purchase.

For an enrolled EPIC text program, message frequency varies, message and data rates may apply, and

delivery is not guaranteed. Reply STOP to opt out, HELP for help, or contact info@vickeller.com. We

honor other reasonable revocation requests as required by law. After opting out, you may receive a

nonmarketing confirmation where permitted. We may use another lawful channel for essential event

information. Tell us if a subscribed phone number changes or is reassigned.

The Privacy Policy describes collection, use, disclosure, and your choices. It is a notice of practices, not a

blanket waiver of privacy rights or a substitute for separate consent where required.

19. Service disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE, EDUCATIONAL CONTENT, AND

TOOLS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT IMPLIED WARRANTIES OF

MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO

NOT WARRANT UNINTERRUPTED ACCESS, ERROR-FREE INFORMATION, OR ANY PARTICULAR

BUSINESS OR PERSONAL OUTCOME.

This disclaimer does not cancel the specific services expressly purchased in your Order, a written

guarantee expressly made by EPIC, or warranties and remedies that cannot lawfully be excluded.

20. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE RELEASED PARTIES WILL NOT BE LIABLE

FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES,

INCLUDING LOST PROFITS, LOST OPPORTUNITIES, BUSINESS INTERRUPTION, OR LOST DATA,

ARISING FROM THESE SERVICES. TREATMENT OF SEPARATELY INCURRED TRAVEL COSTS IS

ADDRESSED IN SECTION 7.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMBINED LIABILITY OF THE RELEASED

PARTIES FOR ALL CLAIMS RELATING TO A PARTICULAR RETREAT OR SERVICE WILL NOT

EXCEED THE AMOUNT YOU ACTUALLY PAID EPIC FOR THAT RETREAT OR SERVICE. FOR ACLAIM RELATING SOLELY TO FREE WEBSITE USE, THE CAP IS US $100. MULTIPLE CLAIMS DO

NOT MULTIPLY THE APPLICABLE CAP.

These exclusions and caps do not apply to fraud, gross negligence, willful misconduct, or any injury,

statutory remedy, refund, or other liability that law prohibits us from limiting. They apply only to legally

limitable liability and do not enlarge any separate release. Each exclusion is independently subject to

applicable law.

21. Responsibility for third-party claims

To the extent permitted by law, you agree to indemnify the Released Parties for third-party claims, losses,

and reasonable legal expenses caused by your material breach of these Terms, your unlawful or wrongful

conduct, your infringement of third-party rights, or content you provide without authority. This does not

require you to indemnify a Released Party for its own negligence, misconduct, unlawful act, or breach, or

for a claim merely because you participated in the Retreat.

We will provide prompt notice of a covered claim and reasonable cooperation. You may control the

defense with competent counsel reasonably acceptable to us; we may participate at our own expense. No

settlement may admit our fault, impose nonmonetary obligations on us, or fail to release us without our

consent, which will not be unreasonably withheld. This section does not impose defense costs on your

good-faith consumer claim or override statutory fee rules.

22. Governing law and individual arbitration

Texas law governs these Terms, subject to the Federal Arbitration Act and mandatory laws that apply

regardless of a contractual choice of law. A Texas choice of law does not remove non-waivable consumer,

privacy, travel, personal-injury, or other protections that apply in Mexico or your jurisdiction.

Informal resolution. Either party may send a written dispute notice describing the facts and requested

remedy. Send notices to info@vickeller.com and the mailing address in Section 25; EPIC will use your last

supplied contact details. We will attempt good-faith resolution for 30 days after receipt. This process does

not delay a protected payment dispute, emergency relief, regulatory complaint, or a filing needed to

preserve a deadline.

BINDING INDIVIDUAL ARBITRATION. Except for the exceptions and opt-out below, you and EPIC agree

to resolve disputes arising from the accepted Terms, purchase, or Retreat through one neutral arbitrator

administered by the American Arbitration Association (AAA), instead of a court trial. The Federal

Arbitration Act governs this agreement. The AAA Consumer Arbitration Rules and applicable consumer

fee schedule apply when the AAA determines the dispute is a consumer matter; otherwise the AAA

Commercial Arbitration Rules apply. Rules and filing information are available at www.adr.org.

The legal seat is Texas. Consumer hearings will be conducted remotely or at a reasonably convenient

location consistent with AAA rules and applicable law; you will not be required to travel to Texas where

those protections provide otherwise. A nonconsumer hearing will be in Tarrant County, Texas, unless the

parties agree to remote proceedings or another location. EPIC will pay fees allocated to it under the

applicable rules and any additional amounts required for enforceability. Each party bears its own attorney

fees unless applicable law or a lawful award provides otherwise. The arbitrator may award the same

individual remedies available in court and must issue a reasoned written award. Judgment on an award

may be entered by a court with jurisdiction.Exceptions. Either party may bring an eligible individual claim in small claims court. Either party may seek

temporary court relief to protect confidentiality, intellectual property, or safety pending arbitration. You may

contact or cooperate with government agencies. Claims that cannot legally be compelled to arbitration,

and requests for public injunctive relief that cannot lawfully be waived or arbitrated, remain available in the

appropriate court. A court decides formation, validity, enforceability, scope, and the enforceability of the

class waiver, rather than delegating those questions exclusively to the arbitrator.

INDIVIDUAL PROCEEDINGS AND JURY WAIVER. For claims properly subject to arbitration, you and

EPIC waive a jury trial and agree to proceed individually, without class or collective arbitration or

consolidation without all affected parties' consent. This does not waive non-waivable representative rights

or public remedies. If the class waiver is unenforceable for a particular claim or request for relief, that

portion proceeds in court while remaining arbitrable individual claims proceed in arbitration to the extent

lawful.

30-day opt-out. You may opt out of this arbitration agreement by emailing info@vickeller.com within 30

days after first affirmatively accepting it. Include your name, purchase email, Order reference if available,

and a clear statement that you opt out of arbitration. Keep a copy. Opting out does not affect your

purchase or other Terms; neither party will be bound to arbitrate under this section for that agreement.

If AAA cannot administer a covered dispute, the parties may agree on another administrator; otherwise

either may ask a court to appoint an arbitrator under the Federal Arbitration Act, unless applicable law

requires a court proceeding. EPIC will not use its own failure to pay required fees or satisfy administrator

requirements to prevent a lawful court remedy. Claims properly in court must be brought in the state courts

in Tarrant County, Texas, or the appropriate federal court in the Northern District of Texas, unless

mandatory law or the small claims exception permits another venue.

23. Mandatory rights and protected expression

Nothing in these Terms waives a right or remedy that applicable law makes non-waivable. You may post

an honest review, make a good-faith complaint, report suspected unlawful conduct, speak with advisers or

regulators, or preserve evidence as legally protected. No nondisparagement penalty or assignment of

ownership in a review is imposed. Lawful confidentiality and intellectual-property protections still apply

within those limits.

24. Contract priority, updates, and general provisions

An individually negotiated agreement signed by you and an authorized EPIC representative controls an

expressly identified conflict. Your accepted Order controls price, dates, inclusions, and payment timing.

These Cabo Terms control Cabo purchase and participation issues over inconsistent general EPIC

website terms. The Earnings and Results Disclaimer explains outcome limitations; the Privacy Policy

controls descriptions of data handling. A separately signed activity or media release governs its specific

subject, subject to mandatory law. No later policy can silently expand an earlier purchase obligation.

We may update Terms for future website use and transactions by posting a dated version. Material

changes will be brought to your attention as required by law. Your Retreat purchase remains governed by

the version you accepted unless you expressly agree to a change or law requires it. Posting a new version

or your continued attendance does not retroactively amend arbitration rights or remove an accrued claim.

These Terms and the applicable accepted documents form the entire agreement for their subject matter,

without excluding liability for fraud or legally actionable representations. Amendments or exceptions to a

purchase require a written agreement by an authorized representative. If a provision is unenforceable,sever only that provision or apply the narrowest lawful modification; the remainder continues, subject to

the special arbitration rule above. A failure to enforce one right is not a waiver of another. No waiver is

effective unless made in writing.

You may not assign a seat or this agreement without permission. EPIC may assign the agreement to a

successor that assumes its obligations, without reducing your non-waivable rights. There are no

third-party beneficiaries except the Released Parties for provisions expressly protecting them. Valid

payment obligations and provisions that by their nature continue, including confidentiality, intellectual

property, liability limits, dispute resolution, and accrued rights, survive the end of participation. Electronic

acceptances and records have the effect provided by applicable law; you may save or request a copy.

25. Contact and notices

Bald Business LLC, DBA EPIC

2600 E Southlake Blvd, Ste 120-306

Southlake, TX 76092, United States

Email: info@vickeller.com

Use the email above for registration questions, billing issues, accommodation requests, arbitration

opt-outs, and formal notices. Include enough information to identify your matter, but do not email full card

numbers, passport images, or unnecessary sensitive information. A support conversation does not itself

amend an Order or extend a legal deadline.

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