General Terms and Conditions of DWNO LLC

for digital content, online courses, community access and related online services offered via this platform.

Language: These General Terms and Conditions are provided in German and English. Only the English version is binding; the German version is provided for guidance (see Section 16).

1. Scope

1.1 These General Terms and Conditions apply to all contracts, deliveries and services of DWNO LLC, 315 Westchester Ave, Suite 20208, Port Chester, NY 10573, USA (hereinafter the "Provider") in connection with digital content, video materials, templates, tools, community access, optional live formats and related online services.

1.2 The Customer accepts these Terms by concluding a contract.

1.3 Deviating conditions of the Customer apply only if confirmed in writing.

1.4 The offers are directed at consumers and businesses. For consumers, additional statutory provisions apply (see Section 4, Right of Withdrawal).

1.5 Legal relationship of the parties

a) No employment, no partnership. Nothing in these Terms, in trainings or in the parties' communication creates an employment relationship, a partnership, a joint venture, a franchise or a comparable legal relationship between the Provider and a Customer or Participant of the referral program.

b) Independent activity. Participants of the referral program act as independent entrepreneurs in their own name and for their own account. They are solely responsible for their own business operations, taxes, registrations, permits, insurance, costs and compliance with the laws applicable to them.

c) No power of representation. No Participant is entitled to act for the Provider, to represent it or to bind it — in particular not through guarantees, promises, price commitments or refund commitments in the name of the Provider. Such statements are not authorized and have no legal effect vis-à-vis the Provider.

2. Conclusion of Contract

2.1 The content published on the website does not constitute a binding offer but serves to enable the Customer to submit an offer.

2.2 The Customer submits a legally binding offer by completing the order form and clicking the purchase button.

2.3 Before submitting, the Customer can correct their entries.

2.4 The contract text is stored and transmitted by email. After completing the purchase, the Customer receives a confirmation email and an invoice.

2.5 The contract languages are German and English.

2.6 When booking additional participants, the Customer is liable for their performance of the contract.

2.7 As part of the ordering process, the Customer expressly confirms that they have read, understood and accepted these Terms and the Privacy Policy. Without this consent, a contract cannot be concluded.

2.8 By actively ticking a separately marked checkbox, the Customer additionally confirms that they agree to the immediate commencement of the service and that their right of withdrawal expires as soon as the digital content is unlocked. The wording of this checkbox is reproduced in Section 4.4. The checkbox is not pre-selected; without active ticking, the purchase cannot be completed.

2.9 Entire agreement

a) No reliance on external statements. The Customer confirms that they do not rely on statements, promises, forecasts, income examples, testimonials or oral declarations that are not expressly governed by these Terms or the order confirmation.

b) Completeness. Together with the Privacy Policy and the Withdrawal Instructions, these Terms constitute the entire agreement of the parties regarding the services and the referral program.

c) No oral amendments. Amendments and side agreements are only effective if made in text form by the Provider. The Provider's right to amend these Terms under Section 13 remains unaffected.

d) Mandatory rights. This provision does not limit any liability for intent or fraudulent misrepresentation and no mandatory consumer rights.

3. Services of the Provider

3.1 The Provider makes available digital content, video materials, templates, tools, community access, optional live formats and related online services. The services serve general information and orientation.

3.2 Currently offered are the sequential phases building on one another

• Phase 1 — Selbstwahrnehmung & Klarheit
• Phase 2 — Hamsterrad Exit
• Phase 3 — Ganzheitlich Gesund
• Phase 4 — Businessaufbau & Personal Branding
• Phase 5 — Metakognitive Meisterschaft

as well as the independent, monthly-cancellable DWNO Mitgliedschaft (membership). Each phase contains the content of the previous phases. The applicable scope of services and price result from the product page in the ordering process.

3.3 Unless expressly stated otherwise in the offer description, the Provider does not offer any state-recognized education, vocational training, exam preparation, certification or a guaranteed learning outcome. No mandatory exams, grading or certification procedures take place.

3.4 Changes to content, dates, formats or contributors are permitted, provided they are reasonable for the Customer and do not materially impair the core service.

3.5 No particular personal, business, financial or professional result is guaranteed. The services are offered "as is".

4. Right of Withdrawal

Note for consumers: Consumers within the meaning of § 13 of the German Civil Code (BGB) have a statutory right of withdrawal.

4.1 Withdrawal period

You have the right to withdraw from this contract within 14 days without giving reasons. The period begins on the day the contract is concluded.

4.2 Exercising the right of withdrawal

The withdrawal must be addressed to:

DWNO LLC
315 Westchester Ave, Suite 20208
Port Chester, NY 10573, USA
Email: legal@dwno.vision

Timely dispatch of the notification is sufficient to meet the deadline. In addition, an online form pursuant to § 356a BGB is available on this platform under "Vertrag widerrufen", through which the withdrawal can be declared without logging in; receipt is confirmed.

4.3 Consequences of withdrawal

In the event of an effective withdrawal, we will refund all payments received from you without undue delay, at the latest within 14 days of receipt of your notification. You will incur no fees for this. The refund is made using the same means of payment you used for the original purchase.

4.4 Early expiry of the right of withdrawal

The right of withdrawal expires early if

• performance of the service has begun,
• you have expressly consented to this, and
• you have confirmed that you thereby lose your right of withdrawal.

This applies in particular to digital content such as courses, videos and access. Consent is given during the ordering process by actively ticking a separately marked checkbox with the following wording:

„I expressly agree that DWNO LLC may begin providing the digital service before the end of the withdrawal period. I acknowledge that by doing so, I lose my right of withdrawal.“

Without this checkbox, no purchase is concluded. The declaration is stored with its time and wording; the Customer receives it together with the order confirmation.

4.5 Installment payment

In the case of installment payment, the withdrawal period likewise begins on the day the contract is concluded and not only with the final installment. If the Customer effectively withdraws, installments already paid are refunded and future installments are discontinued.

5. Prices & Payment

5.1 All prices are final prices in euros (EUR) including any applicable value added tax. VAT is determined according to the Customer's country of residence, ascertained via an external service provider and shown on the invoice.

5.2 Payment is made via the methods offered during the ordering process — currently in particular credit card, PayPal, Klarna and EPS. Which methods are offered may change and depends on the Customer's country and the chosen payment plan. If a surcharge applies to a payment method, it is shown separately before purchase; without such disclosure, no surcharge applies.

5.3 Access to the booked content is unlocked after the first successful payment — with installment payment therefore already with the first installment, not only after full payment.

5.4 Installment payment

Installment terms of 3, 6 or 12 months are offered. The installment amount is calculated from the total price divided by the number of installments; no surcharge is levied for the installment payment itself. The installments are collected monthly on the respective due date via the means of payment stored at the time of purchase.

If Klarna or PayPal is chosen as the payment method, the respective payment service provider acts as a financing partner: it pays the Provider the full amount, and the Customer pays their installments to the payment service provider. In this case, the provider's own terms additionally apply to the installment payment, including any costs incurred there. Existing installment plans continue unchanged under the conditions agreed at the time the contract was concluded.

5.5 For subscriptions — in particular the membership — billing takes place automatically at regular intervals. The Customer receives an invoice for each billing. Cancellation is possible at the end of the current billing period and can be declared at any time in the customer area or by email. After the cancellation takes effect, access to the subscription content ends; a pro-rata refund for the current period is excluded. Access to separately purchased phases remains unaffected.

5.6 Payment default, reminder procedure and debt collection

If an installment or a subscription invoice is not collected or is rejected, the Customer is in default in accordance with statutory provisions. The Provider reminds the Customer of the outstanding claim in several stages in text form:

• a first reminder a few days after the due date,
• a second reminder after about ten days,
• a final request for payment with a deadline after about three weeks.

Access to content already purchased remains in place throughout the entire reminder procedure. The Provider does not block course access in the event of payment default.

If the final deadline passes without success, the Provider is entitled to hand the claim over to a debt collection agency and to initiate the further steps provided for by law. In this case, the Customer bears the costs arising from the default — in particular default interest at the statutory rate as well as the costs of appropriate legal action — insofar as they are statutorily recoverable.

If the Customer is temporarily unable to pay, an installment pause or a later payment date can be agreed, provided the Customer gets in touch before the final deadline expires. There is no entitlement to this.

The loss or restriction of access does not release the Customer from existing payment obligations under the contract.

6. Rights of Use & Copyright

6.1 All content is protected by copyright.

6.2 Use is permitted only for the Customer's personal use.

6.3 Sharing, reproduction or public distribution is prohibited. This also applies to access data.

6.4 The recording of live formats by participants is prohibited.

6.5 Protection of platform materials

All materials and resources provided — in particular videos, PDFs, presentations, templates, checklists, recordings and other digital content — are protected by copyright and intended exclusively for the personal use of the Customer. Violations are prosecuted under civil law and may in particular give rise to an injunction and claims for damages. To protect against unauthorized sharing, a discreet watermark with the Customer's email address may be displayed over course videos.

6.6 Content provided by contributors and third parties

Where customers, partners or other contributors create, provide or upload content on the platform, they grant the Provider a worldwide, non-exclusive, transferable and sublicensable license to host, store, reproduce, edit, publish and display this content insofar as this is necessary to provide and promote the services. The contributors retain all ownership rights in their content and warrant that they hold all necessary rights and do not infringe any third-party rights. No obligation to pay remuneration arises from this.

6.7 Confidentiality

All information that becomes known in the course of the cooperation and is not publicly accessible — such as processes, content, community contributions, internal strategies, internal documents and chat histories — is considered confidential. Its sharing, publication or use outside the platform is prohibited without the express written consent of the Provider.

7. Access & Delivery

7.1 One-time purchases

For one-time purchases, the Customer receives access to the purchased content for a minimum period of thirty-six (36) months. This concerns the following products:

• Phase 1 — Selbstwahrnehmung & Klarheit
• Phase 2 — Hamsterrad Exit
• Phase 3 — Ganzheitlich Gesund
• Phase 4 — Businessaufbau & Personal Branding
• Phase 5 — Metakognitive Meisterschaft

Access remains active beyond this for as long as the platform is operated. If operation is permanently discontinued, the Customer is informed in good time and given the opportunity to secure the available content free of charge. In the event of serious violations of these Terms, access may be restricted or withdrawn irrespective of the minimum term.

7.2 Membership

The membership is a monthly-cancellable subscription. Access to the membership content exists as long as the subscription is running and paid. Section 5.5 applies to cancellation.

7.3 Delivery

After completing the purchase, the Customer receives an email with access data. All content is immediately available in the members' area.

7.4 Technical maintenance & availability

The Provider reserves the right to carry out maintenance work, technical updates, security measures and platform changes. Temporary restrictions of availability do not give rise to refunds, provided the core benefit of the service is maintained. The Customer is responsible for a functioning internet connection and suitable devices.

7.5 Force majeure

The Provider is not liable for delays, interruptions or unavailability of services caused by events outside its reasonable control — such as natural disasters, war, strikes, power outages, failures of hosting or payment service providers or official measures. During such an event, the affected performance obligations are suspended; the Provider takes economically reasonable measures to restore them. Mandatory statutory consumer rights remain unaffected.

8. Liability

8.1 The Provider is liable without limitation for intent and gross negligence.

8.2 In the case of simple negligence, the Provider is liable only for the breach of a material contractual obligation and limited to the foreseeable damage typical for the contract. Liability for damage arising from injury to life, body or health remains unaffected; likewise liability under the Product Liability Act.

8.3 No liability is assumed for technical problems within the Customer's area of responsibility.

8.4 Otherwise, the Provider's liability is limited to the purchase price of the respective product or service.

8.5 Claims for lost profit or indirect consequential damage are excluded to the extent legally permissible.

8.6 The content does not constitute medical, psychological, tax, legal or financial advice. The Customer's decisions are based on their own responsibility.

8.7 Testimonials

Statements by customers or participants about successes, revenues or personal results are based on individual experiences. They do not constitute a guarantee or a binding assurance. Actual results can vary considerably depending on effort, prior knowledge and external circumstances.

9. Referral Program

9.1 Participation

Every Customer who has purchased a product of the Provider can participate in the referral program. Separate activation is not required. The Customer receives a personal referral link. Participation is voluntary and not a prerequisite for purchasing or using products.

9.2 Commission

For every purchase concluded via a Participant's personal referral link, a commission arises at the applicable commission rate, calculated on the net price of the product. The rate applicable at the time of the sale remains decisive for that sale and all associated installments; later changes only take effect for future sales. Attribution is based on the last clicked referral link within 60 days.

There is no commission on sales of other Participants. The program is single-tier: commission arises exclusively for one's own referrals. There are no levels, no sponsors, no downline, no pools, no ranks and no redistribution of acquired customers.

In the case of installment payment, the commission arises pro rata for each installment actually received — never in advance on the total amount.

9.3 Self-purchase

No commission arises for purchases via one's own referral link.

9.4 Split on appointment handover

If a Participant hands over a prospect to another Participant who completes the sale, the commission is split according to the applicable distribution key. Decisive is exclusively the purchase link generated for the handover.

9.5 Recurring commission for memberships

For memberships, the commission arises with every paid monthly invoice. The attribution to the referring Participant remains in place permanently. If a Participant leaves the referral program, the entitlement to the recurring commission ends; no redistribution to other Participants takes place. Installment payments already concluded continue unchanged, as the referral service has been rendered.

9.6 Provisional nature and reversal

Until the respective holding period expires, commissions are provisional amounts that have not definitively arisen and do not establish a legally binding claim to payout.

If, after crediting, a refund, a chargeback or a payment default occurs, the commission is reversed pro rata or in full. This applies even if the amount has already been paid out. In this case a negative balance arises, which is offset against future commissions. A negative balance existing at the time participation ends must be settled.

9.7 Payout

Commissions become payable after the holding period expires. The holding period depends on the payment method and is at least 30 days from receipt of payment; for payment methods with a longer chargeback risk — in particular Klarna — it is 60 days.

A payout requires:

• a balance of at least €50.00,
• a payout request by the Participant,
• complete and correct bank details as well as the information legally required for processing,
• a completed identity check, insofar as legally required,
• a trade registration or comparable registration, insofar as legally required for the Participant.

The payout is made after approval by the Provider via bank transfer to the account provided by the Participant. Bank details and tax data are stored encrypted. The applicable commission rate, the holding period and the minimum amount can be viewed in the participant area.

Participants are themselves responsible for taxing their commissions.

9.8 Inactivity

A Participant is deemed inactive if they have not achieved a referred sale within twelve consecutive months. In the event of inactivity, participation in the referral program is dormant. Already payable balances remain and can still be requested. Not-yet-payable, provisional commissions expire after a further twelve months of inactivity; the Provider gives prior notice in text form.

Access to course content already purchased remains unaffected by inactivity.

9.9 Exclusion

The Provider may exclude a Participant from the referral program in the event of deception, manipulation attempts, misleading advertising statements about products or earning opportunities, unauthorized sharing of content or access data, and serious violations of these conditions. The entitlement to already definitively arisen, payable commissions remains unaffected. Access to course content already purchased remains in place.

9.10 Advertising and poaching

Participants may not disseminate misleading statements about products, results or earning opportunities. The targeted poaching of customers or other Participants into other programs or platforms is prohibited during participation. The Provider's brand, logo and materials may only be used during active participation and only in the context of promoting the Provider's products.

9.11 Balance is not a means of payment

Balance in the participant area arises exclusively from commission bookings by the Provider. A deposit into the balance is not possible, a transfer between Participants is excluded, and the balance cannot be used to purchase products. The only way out of the balance is the payout to one's own bank account under Section 9.7.

10. Live Formats & Bonus Services

10.1 The Provider may offer optional live formats, community calls, group conversations or support appointments as voluntary additional services. They are not part of the contractually owed main service.

10.2 Frequency, duration, content, platform and number of these formats may be adjusted, postponed or discontinued, provided the core service is not materially impaired.

10.3 Participation is voluntary. Non-participation does not give rise to any claim to a refund or replacement.

10.4 Live formats may be recorded. Before joining, consent to the recording is requested; anyone who does not consent cannot take part in the recording. The Provider may use excerpts for documentation, information or advertising purposes, insofar as permitted under data protection law. Consent granted may be withdrawn with effect for the future; the lawfulness of the processing carried out until then remains unaffected.

10.5 The Provider is liable for damage arising from participation only in accordance with Section 8.

10.6 Community conduct

All Participants undertake to behave respectfully and lawfully. Prohibited in particular are harassment, intimidation, threats, discriminatory conduct, spam, unauthorized advertising or poaching, the sharing of unlawful or injurious content and the misuse of other Participants' contact data.

In the event of violations, the Provider may warn, restrict functions, remove content or block community access. In the event of serious or repeated violations, an immediate measure without prior notice is possible. Access to course content already purchased remains unaffected, provided the violation does not consist precisely in the unauthorized sharing of this content or the access data.

11. Place of Jurisdiction & Applicable Law

11.1 Subject to clause 11.2, the law of the US state of New Mexico applies; the UN Convention on Contracts for the International Sale of Goods (CISG) does not apply.

11.2 For customers resident in the European Union, the mandatory consumer protection provisions of their state of residence apply; the choice of law under 11.1 does not deprive the consumer of this protection. For all other customers, the competent court in Albuquerque, New Mexico, USA, has exclusive jurisdiction.

11.3 The European Commission provides a platform for online dispute resolution: https://ec.europa.eu/consumers/odr. The Provider is neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board.

12. Severability Clause

Should a provision of these Terms be invalid, the remainder of the contract remains effective. The statutory provision takes the place of the invalid provision.

13. Reservation of the Right to Amend

The Provider may amend these Terms for legitimate reasons — in particular due to legal or regulatory requirements, security requirements, technical or operational adjustments, fraud prevention or changes to products and billing models.

The Provider informs customers at least fourteen (14) days before the changes take effect by email. If the Customer objects before the changes take effect, the Provider may terminate the affected subscription or ongoing services at the end of the current billing period. For one-time purchases already paid in full, the conditions agreed at the time of purchase continue to apply. Mandatory consumer rights remain unaffected.

14. Data Protection

14.1 Testimonials

By submitting or releasing written or audiovisual feedback, the Customer agrees to its use for advertising, PR or informational purposes — including naming and image, provided they have released this themselves. No obligation to pay remuneration arises from this. Consent may be withdrawn with effect for the future.

14.2 Customer management and Participant visibility

For the support of prospects and customers, personal data such as name, email address, telephone number, booking behavior, notes and interactions are processed in the platform as well as in a customer management system (Close). The data may be used exclusively for support, contact and improvement of the service; sharing or use for one's own purposes is prohibited.

A referring Participant sees, in their participant area and in respect of customers acquired through their referral link, the full name, the email address and — where provided — the telephone number, the product purchased and the date of purchase, the percentage of course progress per phase, the date of last activity, the status of any membership as well as the payment status of the referred purchases (paid, outstanding, overdue) including the reminder stage reached. The postal address remains concealed from the Participant in all cases. The Participant receives no lesson-level data and no export of this information, and only in respect of their own referred customers — never in respect of customers of other Participants.

This information serves exclusively the support of the referred customer — contact, assistance and offers for further services of DWNO. Storage outside the platform, disclosure to third parties and any use for one's own or third-party purposes are prohibited. Access ends as soon as the participant relationship ends.

The processing of personal data is otherwise carried out in accordance with the Privacy Policy of this platform.

15. Contact

DWNO LLC
315 Westchester Ave, Suite 20208
Port Chester, NY 10573, USA
Email: legal@dwno.vision

16. Language & Scope

These General Terms and Conditions are provided in German and English. Decisive for all business relationships with the Provider is exclusively the most recent English version. The German version serves as guidance for customers resident in Germany, Austria or Switzerland and is not decisive. Mandatory consumer protection provisions of the customer's state of residence remain unaffected.

Version for this platform, as of 22 August 2026.