HR ARMOR LLC

TERMS OF SERVICE & MEMBERSHIP AGREEMENT

Defense Intelligence Community

Effective Date: November 1, 2025

Last Updated: March 11, 2026

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IMPORTANT: READ CAREFULLY BEFORE USING ANY HR ARMOR SERVICE. YOUR CONTINUED USE OF THIS PLATFORM CONSTITUTES LEGALLY BINDING ACCEPTANCE

OF EVERY TERM BELOW.

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Please read these Terms of Service (“Terms” or “Agreement”) carefully before using any HR Armor LLC website, digital tool, platform, community, or service (collectively, the “Services”) operated by HR Armor LLC, a Maryland Limited Liability Company (“Company,” “we,” “our,” or “us”).

These Terms contain critically important information regarding your legal rights, obligations, payment authorizations, data practices, and

limitations of liability. Your access to and use of the Services is strictly conditional upon your acceptance of and full compliance with these Terms.

BY ACCESSING OR USING ANY HR ARMOR PLATFORM, COMPLETING A PURCHASE, CLICKING “I AGREE,” OR CONTINUING TO USE THE SERVICES AFTER ANY

MODIFICATION TO THESE TERMS, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS IN THEIR ENTIRETY. CONTINUED USE OF THE SYSTEM CONSTITUTES

ACCEPTANCE OF ALL TERMS. IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY DISCONTINUE USE.

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1. ELIGIBILITY AND ACCEPTANCE OF TERMS

These Terms apply to all visitors, users, subscribers, and members who access or use HR Armor Services in any capacity. By using the Website or purchasing a subscription, you represent and warrant that you are at least 18 years of age, have the legal authority to enter into this binding agreement, and are not prohibited from doing so under any applicable law.

Minor users are strictly prohibited from accessing these Services. By registering, you confirm you meet the eligibility requirements above.

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1. EDUCATIONAL USE ONLY — NO LEGAL ADVICE

HR ARMOR LLC IS NOT A LAW FIRM. NOTHING PROVIDED WITHIN THESE SERVICES CONSTITUTES LEGAL ADVICE, LEGAL REPRESENTATION, OR AN ATTORNEY-CLIENT

RELATIONSHIP OF ANY KIND.

HR Armor LLC provides digital tools, educational materials, intelligence frameworks, and HR strategy resources to help employees and professionals recognize, document, and navigate workplace challenges.

All content, engines, templates, community discussions, AI outputs, session recordings, and resources provided through the Services are for educational and informational purposes only.

Specifically, HR Armor LLC:

- Does not represent users in any legal, administrative, or

regulatory proceeding

- Does not provide legal, financial, psychological, or medical advice of any kind

- Does not create any attorney-client, fiduciary, therapist-client, or employment relationship

- Does not guarantee any legal outcome, employment decision, or organizational response

Nothing in the HR Armor Defense Intelligence Engines, Pattern training, Strategic Risk Sessions, community discussions, or any written or verbal communication from HR Armor staff or facilitators constitutes legal counsel or professional representation. Users are strongly

encouraged and solely responsible for consulting a licensed attorney for all legal or employment-law questions.

HR Armor’s frameworks, including but not limited to the 8-Stage Workplace Retaliation Pattern and 108+ Decision Points, are proprietary educational models. They are not legal strategies, nor should any content from the platform be presented in legal proceedings without

independent verification by a qualified attorney.

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1. ACCOUNT REGISTRATION AND SECURITY

Access to certain Services requires creating an account within GoHighLevel or other platforms managed by HR Armor LLC. You agree to:

- Provide accurate, complete, and current information when registering

- Maintain the confidentiality of your login credentials at all times

- Never share your account credentials with any third party

- Accept full responsibility for all activity occurring under your

account

- Notify HR Armor immediately at [email protected] if you suspect

unauthorized access

HR Armor reserves the right to suspend or terminate any account suspected of unauthorized use, credential sharing, misrepresentation, or violation of these Terms, without notice and without refund.

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1. SUBSCRIPTIONS, PAYMENTS, CANCELLATION & ACCESS TERMINATION

4.1 Subscription Billing & Authorization

By purchasing a subscription, you expressly authorize HR Armor LLC to charge your selected payment method on a recurring basis for the applicable subscription fee, including any applicable taxes, at the beginning of each billing period, until you properly cancel in accordance with these Terms. This authorization remains in effect until

cancellation is confirmed by HR Armor in writing.

4.2 Automatic Renewal

All subscriptions automatically renew at the start of each billing cycle unless properly canceled prior to renewal in accordance with Section 4.4. Renewal charges are processed at the beginning of the billing period. By maintaining an active subscription, you authorize

each renewal charge without further action required from HR Armor.

4.3 Strict No Refund Policy

ALL PAYMENTS ARE FINAL AND NON-REFUNDABLE. NO EXCEPTIONS.

Due to the immediate delivery of digital services, proprietary defense intelligence engines, community access, AI-assisted tools, templates, and/or session-based resources upon purchase, HR Armor LLC maintains a strict no-refund policy.

No refunds, chargebacks, reversals, credits, or prorated refunds will be issued under any circumstances, including but not limited to:

- Failure to cancel on time or prior to renewal

- Partial use, limited use, or non-use of any Services

- Dissatisfaction with content, tools, outcomes, or results

- Mistaken, unauthorized, or forgotten purchase

- Lack of awareness of automatic renewal dates

- Technical difficulties outside HR Armor’s reasonable control

- Personal circumstances, employment changes, or life events

- Cancellation after the billing date, regardless of elapsed time in

the billing period

By completing your purchase, you expressly and irrevocably waive any right to dispute, reverse, or seek reimbursement for any charge once access has been granted, regardless of use.

4.4 Cancellation Policy (Time-Sensitive & Procedural)

To avoid renewal charges, cancellation requests must be received no fewer than three (3) business days before the start of the next billing period.

Cancellations must meet ALL of the following requirements to be considered valid and honored:

- Submitted in writing only — no verbal, chat, social media, or

voicemail cancellations will be accepted

- Sent only to: [email protected]

- Email subject line must state exactly: “Subscription Cancellation”

- Sent from the email address on file with your HR Armor account

- Include your full name and the last four digits of the payment method on file

Cancellations submitted through any other channel — including but not limited to chat messages, social media, third-party platforms, or phone

— will not be considered valid and will not be processed.

4.5 IMMEDIATE ACCESS TERMINATION UPON CANCELLATION CRITICAL: ACCESS TO ALL DEFENSE INTELLIGENCE ENGINES AND SERVICES

TERMINATES IMMEDIATELY UPON CANCELLATION — EVEN IF TIME REMAINS IN

YOUR CURRENT BILLING PERIOD. THERE IS NO GRACE PERIOD. THERE ARE NO EXCEPTIONS.

Upon submission and confirmation of a valid cancellation request:

- Your access to all HR Armor Defense Intelligence Engines (Pattern

Engine, Risk Engine, Evidence Engine, Strategy Engine) will be terminated immediately and permanently

- Access to the HR Armor community, discussion history, tools, templates, AI copilots, training materials, and all other Services will cease immediately

- No prorated refund, credit, or compensation will be issued for any remaining time in your billing period

- Any saved discussion history, uploaded documents, or session data may be deleted immediately and permanently upon cancellation

- Reactivation of access requires a new subscription purchase at the then-current rate

You acknowledge and agree that the value of HR Armor’s Services is delivered continuously and that immediate termination upon cancellation is a material and known term of this Agreement. By subscribing, you accept this policy without reservation.

4.6 Effective Date of Cancellation

A cancellation is not effective until HR Armor LLC confirms receipt and validity in writing. Until such confirmation is received, your subscription remains active and future charges remain authorized. Confirmation of cancellation does not entitle you to continued access for any remaining billing period.

4.7 Failure to Cancel Properly

If a cancellation request does not comply with every requirement in Section 4.4, or is received after the three (3) business day deadline, the subscription will automatically renew and the associated charge will be deemed fully authorized and valid. HR Armor LLC bears no

obligation to refund any charge resulting from an improperly submitted cancellation.

4.8 Chargebacks, Payment Disputes & Anti-Fraud Protection

FILING A CHARGEBACK OR PAYMENT DISPUTE FOR ANY AUTHORIZED SUBSCRIPTION CHARGE IS A MATERIAL BREACH OF THIS AGREEMENT AND MAY CONSTITUTE

FRAUD.

By subscribing to HR Armor Services, you acknowledge that all subscription charges are pre-authorized, recurring, and non-refundable as described herein. You expressly agree that you will not initiate, encourage, or support any chargeback, payment reversal, or credit card

dispute for any charge authorized under this Agreement.

In the event a chargeback or payment dispute is filed, HR Armor LLC reserves the right to:

- Immediately and permanently terminate your access to all Services without notice or refund

- Submit comprehensive transaction records, these Terms of Service, your electronic acceptance, IP address logs, access logs, and all communications to the payment processor and issuing bank as evidence of authorized charges

- Pursue recovery of the disputed amount plus a chargeback processing fee of $150.00 USD per incident, plus any bank fees or costs incurred

- Report the conduct to applicable fraud prevention databases and services

- Pursue legal action for breach of contract, fraud, and/or unjust enrichment, including recovery of attorneys’ fees

- Permanently ban you from future access to any HR Armor platform or service

You understand and agree that HR Armor LLC maintains detailed records of all transactions, access events, and member activity that will be used to contest any unauthorized dispute. Your use of the Services

following any billing event constitutes conclusive acknowledgment of the legitimacy of that charge.

You further acknowledge that the no-refund policy is a material term of this Agreement that was available for review prior to purchase, and that initiating a chargeback after receiving and accessing the Services constitutes bad-faith conduct and a breach of this Agreement.

4.9 Acknowledgment of Billing Terms

By completing your purchase, you confirm that you have read, understood, and agree to HR Armor LLC’s complete billing, no-refund, cancellation, and chargeback policies, and that you expressly waive any

right to dispute or reverse any authorized charge.

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1. DISCUSSION HISTORY, USER DATA & SESSION STORAGE

5.1 Discussion History Feature

Certain HR Armor subscription tiers provide members with access to a discussion history feature that saves records of your interactions, queries, strategy sessions, and platform activity (“Discussion History”). By enabling or using this feature, you acknowledge and agree to the following:

- Discussion History is provided as a convenience feature and is not guaranteed to be permanent, complete, or continuous

- HR Armor LLC reserves the right to modify, limit, or discontinue the Discussion History feature at any time without notice

- Upon cancellation or termination of your subscription, DiscussionHistory data may be immediately and permanently deleted without prior notice or the ability to export

- You are solely responsible for maintaining your own records, backups, and copies of any information you wish to retain

- HR Armor LLC is not liable for any loss of Discussion History data resulting from account termination, system failure, platform changes, or any other cause

5.2 User Data, Uploads & Confidential Information

Certain Services allow users to upload or submit documents, notes, evidence files, or other data (“User Content”). By uploading any User Content, you represent and warrant that:

- You have the full legal right to share such information with

HR Armor LLC

- Your upload does not violate any confidentiality agreement,

nondisclosure agreement, court order, or employment agreement

- You are not uploading any information that is classified, subject to legal hold, or otherwise legally restricted

- You assume sole responsibility for the accuracy, legality, and appropriateness of all User Content

5.3 Session-Based Document Storage

Unless explicitly stated otherwise in your subscription tier, documents uploaded to HR Armor platforms are processed on a session-based basis and are automatically deleted following the conclusion of your session, unless you use login mode.

HR Armor LLC does not permanently store user-uploaded documents unless expressly agreed to in a separate written agreement.

HR Armor LLC employs commercially reasonable security measures to protect user data during active sessions but cannot guarantee absolute security of any data transmitted over the internet or stored electronically. Users assume all risk associated with data uploads, transmission, and session storage.

5.4 Data Confidentiality Acknowledgment

You acknowledge that information shared within HR Armor platforms — including but not limited to workplace situations, employer names, personnel actions, and case details — is shared voluntarily and for the purpose of receiving educational guidance only. HR Armor LLC is not

bound by attorney-client privilege or any professional confidentiality obligation with respect to such information. Do not share information you are legally prohibited from disclosing.

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1. LICENSE AND USE RESTRICTIONS

HR Armor LLC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your own individual, non-commercial use during the term of your active, paid subscription. This license terminates immediately upon cancellation,

suspension, or termination of your account.

You expressly agree not to:

- Copy, distribute, sell, sublicense, or reproduce any HR Armor materials, engines, frameworks, or content in any form

- Share your login credentials with any other person for any reason

- Allow any other individual to access the Services using your account

- Screenshot, record, or redistribute any portion of the platform, training, or engines without express written permission

- Reverse-engineer, disassemble, decompile, or modify any HR Armor tool, software, or AI system

- Use the Services to develop competing products, services, or frameworks

- Create derivative works from HR Armor’s proprietary materials, including the 8-Stage Pattern or 108+ Decision Points framework

- Engage in any activity that disrupts, damages, overloads, or

impairs the platform or other users’ experience Violation of any license restriction will result in immediate,

permanent termination of access without refund and may result in civil legal action, including claims for damages, injunctive relief, and attorneys’ fees.

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1. AI-ASSISTED TOOLS AND DATA DISCLAIMER

Certain HR Armor Services use automation or artificial intelligence (“AI”) to assist users in generating recommendations, templates, strategy frameworks, or messaging guidance. You acknowledge and agree

that:

- AI tools rely on general HR knowledge, pattern data, and

user-provided input and may not reflect current legal standards,

jurisdiction-specific requirements, or factual accuracy

- AI-generated outputs are not guaranteed to be accurate, complete,

current, or suitable for any specific situation or use case

- AI outputs do not constitute legal advice and should not be relied upon as a substitute for qualified legal counsel

- HR Armor LLC is not responsible for any outcomes, decisions, employment consequences, or legal results derived from AI-generated content

- You are solely responsible for independently verifying, editing, and applying any AI-generated materials before acting upon them The Defense Intelligence Engines are proprietary educational frameworks. Their outputs are analytical tools, not legal conclusions or professional recommendations.

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1. NO GUARANTEED RESULTS

HR Armor LLC makes no guarantees, warranties, or representations that use of its Services will lead to any specific outcome, including but not limited to: prevention of job loss or demotion, successful EEOC

filings or outcomes, obtaining severance or settlement, resolution of workplace conflict, or any other professional or legal result.

Outcomes depend entirely on individual circumstances, employer behavior, legal counsel, and factors beyond the Company’s control.

Users assume full and exclusive responsibility for all actions taken based on HR Armor content, guidance, frameworks, or tools.

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1. IMPLIED ACCEPTANCE THROUGH CONTINUED USE

Your continued access to or use of any HR Armor Service following any modification to these Terms, any billing event, or any notice posted to the platform constitutes your irrevocable acceptance of the then-current Terms in their entirety.

You are responsible for reviewing these Terms periodically. HR Armor LLC will provide notice of material changes by updating the “Last Updated” date at the top of this document. Your continued use after any such update constitutes binding acceptance.

If you do not agree with any updated Terms, your sole and exclusive remedy is to immediately cancel your subscription in accordance with Section 4.4 and discontinue all use of the Services.

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1. INTELLECTUAL PROPERTY AND OWNERSHIP

All text, design, logos, images, software, frameworks, methodologies, engine architectures, training materials, community content, and all other materials provided on the Website or within the Services (“Content”) are the exclusive property of HR Armor LLC and are protected under U.S. and international intellectual property laws, including copyright, trademark, and trade secret law.

The HR Armor trademark, the 8-Stage Workplace Retaliation Pattern framework, the 108+ Decision Points model, and the Defense Intelligence Engine architecture are proprietary intellectual property of HR Armor LLC. Unauthorized use, reproduction, or distribution of any of the

foregoing constitutes infringement and may result in civil and criminal liability.

You are strictly prohibited from copying, distributing, republishing, or modifying any HR Armor Content without express prior written permission. Any permitted use that HR Armor LLC grants does not transfer ownership of any intellectual property to you.

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1. PROHIBITED ACTIVITIES

You agree not to engage in any of the following prohibited conduct:

- Impersonate HR Armor LLC, its staff, employees, or representatives

- Misrepresent your identity, affiliation, credentials, or purpose

- Post or transmit malicious code, spam, phishing attempts, or harmful materials

- Access, copy, or monitor the Website using automated tools

including robots, scrapers, or spiders

- Interfere with or attempt to gain unauthorized access to servers, databases, defense intelligence systems, community areas, or networks

- Circumvent any access control, subscription verification, or

security measure

- Use the Services in violation of any applicable local, state,

federal, or international law

- Harass, threaten, or harm other community members

- Share confidential member discussions outside the platform

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1. NO WARRANTY

THE WEBSITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. HR

ARMOR LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,

NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, OR UNINTERRUPTED ACCESS.

USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK. HR ARMOR LLC MAKES NO REPRESENTATION THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR THAT

ANY RESULTS OBTAINED WILL BE ACCURATE OR RELIABLE.

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1. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HR ARMOR LLC, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF

PROFITS, DATA, EMPLOYMENT, REPUTATION, OR GOODWILL, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY, EVEN IF HR ARMOR LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL HR ARMOR’S TOTAL AGGREGATE LIABILITY TO YOU EXCEED THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO HR ARMOR LLC IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

This limitation applies to all claims arising under contract, tort, negligence, strict liability, or any other legal theory, and shall survive even if any limited remedy fails of its essential purpose.

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1. INDEMNIFICATION

You agree to fully indemnify, defend, and hold harmless HR Armor LLC, its officers, directors, employees, contractors, and affiliates from any and all third-party claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees and court costs)

arising out of or related to:

- Your use or misuse of the Services

- Your violation of any provision of these Terms

- Your upload of confidential, infringing, or legally restricted

materials

- Any chargeback, dispute, or payment reversal you initiate in

breach of these Terms

- Any claim that your User Content violates the rights of any third party

- Any breach of your representations and warranties under this

Agreement

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1. TERMINATION OF ACCESS

HR Armor LLC reserves the right to suspend or permanently terminate

your access to the Services at any time, without notice and without

refund, for any of the following reasons:

- Violation of any provision of these Terms

- Filing of a chargeback or payment dispute

- Credential sharing or unauthorized account access

- Any conduct deemed harmful to HR Armor LLC, its community members,

or its business interests

- Any other reason at HR Armor’s sole discretion

Upon termination for any reason, all licenses granted to you under these Terms immediately and permanently cease, and you forfeit any remaining subscription period without right to refund or credit. Access termination does not relieve you of any obligations or liabilities accrued prior to termination.

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1. RIGHT TO MODIFY TERMS

HR Armor LLC reserves the right to modify, amend, supplement, or

replace these Terms at any time at its sole discretion. Updates will

be posted to the Website with an updated “Last Updated” date and take

effect immediately upon posting. Notice may also be provided via email

to the address on file with your account.

Your continued use of the Services following any modification

constitutes irrevocable acceptance of the revised Terms. It is your

responsibility to review these Terms periodically. If you do not agree

with any modification, you must immediately cancel your subscription

and discontinue use.

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1. GOVERNING LAW, JURISDICTION & DISPUTE RESOLUTION

These Terms shall be governed by and construed in accordance with the

laws of the State of Maryland, USA, without regard to its

conflict-of-law principles.

Arbitration & Class Action Waiver

ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL BE RESOLVED EXCLUSIVELY

THROUGH BINDING ARBITRATION in the State of Maryland under the rules of the American Arbitration Association (AAA) then in effect.

- Arbitration shall be conducted on an individual basis only

- You expressly waive any right to bring or participate in any class action, collective action, or representative proceeding

- The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction

- The prevailing party in any arbitration or legal action shall be entitled to recover reasonable attorneys’ fees and costs

Notwithstanding the foregoing, HR Armor LLC reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property, confidential information, or platform integrity, without waiving its right to arbitration.

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1. ELECTRONIC COMMUNICATIONS & ACCEPTANCE

By using the Services, you consent to receive electronic

communications from HR Armor LLC, including billing notices, Terms updates, account notifications, and marketing communications. You agree

that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

Your electronic acceptance of these Terms — whether by clicking “I Agree,” completing a purchase, or continuing to use the Services — is legally equivalent to a handwritten signature and constitutes a binding contract under the Electronic Signatures in Global and National

Commerce Act (E-SIGN) and applicable Maryland law.

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1. SEVERABILITY AND WAIVER

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect without impairment.

Failure by HR Armor LLC to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision in the future.

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1. ENTIRE AGREEMENT

These Terms of Service, together with HR Armor’s Privacy Policy and any applicable subscription-specific addenda, constitute the entire agreement between you and HR Armor LLC with respect to the Services and supersede all prior or contemporaneous understandings, representations, communications, or agreements, whether written or oral.

No modification to these Terms shall be effective unless made in writing and signed by an authorized officer of HR Armor LLC.

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1. CONTACT INFORMATION

For questions, cancellation requests, or legal notices regarding these

Terms, please contact:

HR Armor LLC

12530 Fairwood Pkwy, Ste 102 #411

Bowie, MD 20720

Email: [email protected]

Subject Line for Cancellations: “Subscription Cancellation”

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BY USING HR ARMOR SERVICES, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS IN THEIR ENTIRETY. CONTINUED USE OF THE PLATFORM IMPLIES FULL AND BINDING

ACCEPTANCE OF ALL TERMS STATED HEREIN.

© 2025–2026 HR Armor LLC. All Rights Reserved. HR Armor is a trademark of HR Armor LLC. Unauthorized reproduction of any content is prohibited.

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