Terms and Conditions

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Effective Date: April 23, 2026
Last Updated: April 23, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the websites, products, services, subscriptions, memberships, courses, communities, content, events, and related offerings made available by pclub.io (“pclub.io,” “we,” “us,” or “our”), including through https://www.pclub.io and any related pages, applications, platforms, and services (collectively, the “Services”).

By accessing or using the Services, creating an account, purchasing a product or subscription, enrolling in a course, or clicking to accept these Terms, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not access or use the Services.

1. Eligibility

The Services are intended for adults only. By accessing or using the Services, you represent and warrant that:

you are at least 18 years old;
you have the legal capacity to enter into a binding agreement; and
your use of the Services does not violate any applicable law or regulation.

2. Changes to the Services and Terms

We may revise these Terms from time to time. If we make material changes, we may provide notice by posting the updated Terms on our website, updating the “Last Updated” date above, or by other reasonable means.

Your continued use of the Services after the updated Terms become effective constitutes your acceptance of the revised Terms.

We may also change, suspend, discontinue, or update any part of the Services at any time, with or without notice, to the extent permitted by law.

3. Accounts

To access certain features, you may need to create an account. You agree to provide accurate, current, and complete information and to keep that information updated.

You are responsible for:

maintaining the confidentiality of your account credentials;
all activity under your account; and
notifying us promptly of any unauthorized use of your account.

We reserve the right to suspend or terminate any account that contains inaccurate information, violates these Terms, or creates legal, security, reputational, or operational risk.

4. Our Services

pclub.io provides educational content, digital courses, programs, memberships, subscriptions, community access, events, resources, and related services.

We may modify the format, structure, content, features, instructors, availability, or delivery of the Services at any time.

We do not guarantee that any particular course, community, instructor, feature, event, or item of content will remain available for any specific period.

5. Purchases, Subscriptions, Billing, Cancellation, and Refunds

A. Paid Services

Some parts of the Services require payment, including one-time purchases, courses, memberships, subscriptions, recurring plans, programs, events, workshops, downloadable materials, and special offerings (“Paid Services”).

By purchasing a Paid Service, you agree to pay all applicable fees, taxes, and charges disclosed at the time of purchase.

B. Recurring Subscriptions

If you purchase a subscription or membership that renews automatically, you authorize pclub.io and its payment processors to charge your payment method on a recurring basis at the interval disclosed at checkout until you cancel.

By purchasing a recurring subscription, you acknowledge and agree that:

your subscription will automatically renew unless canceled before the renewal date;
you are responsible for keeping your payment method current and valid;
we may charge the then-current subscription fee, plus applicable taxes, at each renewal; and
renewal terms, billing frequency, and cancellation instructions will be disclosed before purchase.

C. Cancellation of Subscriptions

You may cancel a recurring subscription at any time by using the cancellation method made available through your account, checkout provider, or by contacting support@pclub.io, unless a different method is clearly identified at the time of purchase.

Unless applicable law requires otherwise, cancellation will take effect at the end of the then-current billing period. You will retain access to the subscription through the remainder of the period you have already paid for, and no further renewal charges will be made after cancellation becomes effective.

D. One-Time Purchases

Unless otherwise expressly stated at the point of sale, all fees for one-time purchases are non-refundable after purchase. This includes, without limitation, digital products, downloadable materials, recordings, templates, courses sold on a one-time basis, and similar content.

E. Programs, Workshops, Events, and Special Offerings

Unless otherwise stated at the point of sale, fees for live programs, workshops, events, cohort-based offerings, special trainings, and similar offerings are non-refundable once the applicable offering has started or once access has been provided.

Failure to attend, participate in, or complete a program, event, workshop, or course does not entitle you to a refund.

F. Content Access and Usage

Without limiting the foregoing, refund requests may be denied where you have accessed, downloaded, used, completed, attended, consumed, or received a material portion of the Paid Service, including gated content, premium content, downloads, program materials, events, workshops, or community access.

G. Third-Party Purchases

If you purchase a Paid Service through a third-party platform, marketplace, app store, or payment provider, that third party’s billing, cancellation, and refund policies may apply instead of ours. We are not responsible for the refund, cancellation, or billing practices of third parties.

H. Failed Payments

If a payment fails, we may:

retry the charge;
suspend or limit access to the applicable Paid Service;
require you to update your payment information; or
terminate access to the applicable Paid Service if payment remains outstanding.

Where permitted, we or our payment processors may use account updater services or similar tools to update expired or changed payment information.

I. Price Changes

We may change pricing for Paid Services, including recurring subscriptions, from time to time. If we change the price of a recurring subscription, we will provide notice before the new price takes effect.

Unless applicable law requires otherwise, price changes will take effect at the start of the next billing cycle following notice. If you do not agree to the new price, you must cancel before the next renewal date.

6. How to Request Cancellation or Refund Review

To cancel a subscription or request a refund review, you must follow the applicable process identified in these Terms, through your account if available, or by contacting support@pclub.io.

Any refund request should include:

your full name;
the email address associated with your account;
the product, subscription, or service purchased;
the date of purchase; and
the reason for the request.

We may request additional information reasonably necessary to verify your identity, confirm the purchase, and evaluate the request.

If a refund is approved, it will generally be issued to the original payment method, unless otherwise required by law. Processing times may vary depending on your payment provider or financial institution.

A. Cancellation

If you cancel, the cancellation will take effect at the end of the then-current billing period unless applicable law requires otherwise. You will retain access through the remainder of that paid period.

B. Monthly Subscription Refunds

Except where required by applicable law, monthly subscription payments are non-refundable, and we do not provide refunds or credits for partial subscription periods or unused time.

C. Annual Subscription Refunds

Unless otherwise required by law or expressly stated at checkout, requests for refunds for annual subscriptions must be submitted within 30 days of the original purchase date to be considered.

After that period, annual subscription fees are non-refundable except where required by law.

D. One-Time Purchases and Special Programs

Unless otherwise stated at the point of sale, fees for one-time digital purchases, downloadable products, events, workshops, live programs, and special offerings are non-refundable after purchase.

E. Discretionary Credits

We may, in our sole discretion, provide refunds, credits, discounts, extensions, or other consideration in individual cases. Doing so in one instance does not obligate us to do so in the future.

F. Mandatory Consumer Rights

Nothing in these Terms limits any non-waivable cancellation, withdrawal, refund, chargeback defense, or consumer protection rights you may have under applicable law.

7. License and Permitted Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services and related content for your own personal or internal business use, as applicable to the offering you purchased.

You may not, unless we expressly permit it in writing:

copy, reproduce, republish, or redistribute the Services or content;
sell, resell, sublicense, rent, lease, or commercially exploit the Services or content;
modify, adapt, translate, or create derivative works from the Services or content;
reverse engineer, decompile, or attempt to extract source code, prompts, training data, or underlying models except where prohibited by law;
scrape, crawl, harvest, or systematically extract data from the Services;
use the Services or content to build or train a competing service, dataset, or model;
remove copyright, trademark, or proprietary notices; or
share paid access, login credentials, or gated content with unauthorized persons.

8. Intellectual Property

The Services, including all course materials, videos, recordings, text, graphics, designs, templates, downloads, software, branding, and other content made available by us, are owned by or licensed to pclub.io and are protected by intellectual property and other applicable laws.

Except for the limited license expressly granted in these Terms, no rights are granted to you.

pclub.io, its logos, names, and branding are our trademarks or the trademarks of our licensors. You may not use them without our prior written permission.

9. User Content

Certain features may allow you to submit, upload, post, publish, transmit, or otherwise make available content, including comments, messages, assignments, community posts, images, videos, testimonials, reviews, feedback, or other materials (“User Content”).

You retain ownership of your User Content, but you grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to host, store, reproduce, adapt, modify, display, distribute, perform, and otherwise use your User Content as reasonably necessary to:

provide and operate the Services;
display your content within relevant community or program environments;
improve, support, secure, and administer the Services;
enforce these Terms; and
promote pclub.io where you separately consent or where the content is submitted as a testimonial, review, or other public-facing contribution.

You represent and warrant that:

you own or control all necessary rights in your User Content;
your User Content does not infringe, misappropriate, or violate any third-party rights;
your User Content is not unlawful, defamatory, abusive, deceptive, obscene, harassing, or otherwise objectionable; and
your User Content does not contain malware, malicious code, spam, or unauthorized advertising.

We may remove or restrict User Content at any time if we believe it violates these Terms or creates risk for us or others.

10. Copyright, Trademark, and Intellectual Property Complaints

pclub.io respects the intellectual property rights of others and expects users of the Services to do the same.

We reserve the right, in our sole discretion, to remove, disable access to, or restrict any content that we believe may infringe the copyright, trademark, or other intellectual property rights of others, and to suspend or terminate the accounts of users who repeatedly infringe or are repeatedly accused of infringing such rights.

A. Copyright Complaints

If you believe in good faith that any content made available through the Services infringes your copyright, you may send us a written notice requesting that the content be removed or access to it disabled.

Your notice should include:

a physical or electronic signature of a person authorized to act on behalf of the owner of the copyright or other right allegedly infringed;
identification of the copyrighted work claimed to have been infringed, or, if multiple works are covered by a single notice, a representative list of such works;
identification of the material claimed to be infringing or the subject of infringing activity, and information reasonably sufficient to permit us to locate the material;
your name, mailing address, telephone number, and email address;
a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
a statement that the information in the notice is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of the exclusive right allegedly infringed.

pclub.io
Email: legal@pclub.io
Mailing Address: 460 West 50 North 5th Floor Salt Lake City, UT 84101

B. Counter-Notices

If you believe content you posted was removed or disabled by mistake or misidentification, you may send us a counter-notice. Any counter-notice must include all information required by applicable law.

C. Trademark Complaints

If you believe any content on the Services violates your trademark rights, you may contact us at legal@pclub.io with sufficient detail for us to review the claim, including:

identification of the trademark at issue;
identification of the allegedly infringing material;
information reasonably sufficient to allow us to locate the material; and
your contact information and the basis for your claim.

We may investigate trademark complaints and, where appropriate, remove content, restrict access, warn the user, or suspend or terminate accounts.

D. Repeat Infringers

We reserve the right to suspend or terminate the accounts of users who repeatedly infringe, or are repeatedly alleged to infringe, the intellectual property rights of others.

E. No Abuse of Complaint Process

You agree not to submit false, misleading, or bad-faith intellectual property complaints or counter-notices. We reserve the right to seek remedies for abuse of this process.

11. Community Standards and Acceptable Use

You agree not to use the Services to:

violate any law or regulation;
infringe the rights of others;
harass, threaten, abuse, or intimidate any person;
upload harmful, malicious, fraudulent, or deceptive content;
post private or confidential information without authorization;
impersonate any person or entity;
interfere with or disrupt the Services, servers, or networks;
gain unauthorized access to any account, system, or data;
engage in spam, phishing, scraping, or automated misuse;
use the Services for unlawful or unauthorized commercial solicitation; or
circumvent access controls, usage limits, or security measures.

We may investigate suspected misuse and cooperate with law enforcement or other authorities where appropriate.

12. AI-Enabled Features

The Services may include AI-enabled or automated features, including tools for content generation, summarization, support, recommendations, moderation, translation, transcription, localization, or workflow assistance.

You acknowledge and agree that:

AI-generated content may be incomplete, inaccurate, biased, or unsuitable for your specific circumstances;
you are responsible for reviewing outputs before relying on them;
AI outputs are provided for informational and productivity purposes only and are not legal, financial, medical, employment, or other professional advice; and
we may update, suspend, or remove AI-enabled features at any time.

Where required by law, we may provide notice that you are interacting with AI or that certain content has been materially generated or altered using AI.

We do not guarantee that AI-enabled features will be uninterrupted, error-free, or fit for any particular purpose.

13. Third-Party Services and Links

The Services may contain integrations, links, embeds, payment processors, community tools, software, video hosts, or other third-party services.

We do not control and are not responsible for third-party services, their content, billing practices, availability, or privacy practices. Your use of those services may be governed by separate third-party terms and policies.

14. Testimonials, Reviews, and Feedback

If you submit feedback, suggestions, ideas, testimonials, or reviews to us, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, adapt, publish, display, and incorporate that feedback or testimonial into our Services, marketing, and operations, without compensation to you, unless otherwise agreed in writing.

15. Educational Purposes Only

Unless expressly stated otherwise, the Services are provided for educational and informational purposes only.

We do not guarantee any specific result, business outcome, revenue outcome, employment outcome, certification outcome, or other result from your use of the Services.

16. No Professional Advice

The Services do not constitute legal, tax, accounting, financial, medical, therapeutic, or other regulated professional advice, and no part of the Services should be relied upon as a substitute for obtaining advice from a qualified professional.

17. Termination and Suspension

We may suspend, restrict, or terminate your access to all or part of the Services, with or without notice, if:

you violate these Terms;
you fail to pay amounts due;
your use creates legal, security, reputational, or operational risk;
we suspect fraud, abuse, or unauthorized activity; or
we discontinue the applicable Service.

You may stop using the Services at any time.

Upon termination:

your license to access and use the Services ends immediately;
we may deactivate or delete your account and related content, subject to legal obligations and our retention practices; and
provisions that by their nature should survive termination will survive, including intellectual property, disclaimers, limitations of liability, indemnity, dispute resolution, and accrued payment obligations.

18. Disclaimer of Warranties

To the maximum extent permitted by law, the Services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, statutory, or otherwise.

To the maximum extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, quiet enjoyment, availability, accuracy, and freedom from viruses or harmful code.

We do not warrant that:

the Services will meet your requirements;
the Services will be uninterrupted, timely, secure, or error-free;
content or outputs will be accurate, complete, or reliable; or
defects will be corrected.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

19. Limitation of Liability

To the maximum extent permitted by law, pclub.io and its affiliates, officers, directors, employees, contractors, licensors, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, data, use, or other intangible losses, arising out of or relating to the Services or these Terms.

To the maximum extent permitted by law, our total aggregate liability for all claims arising out of or relating to the Services or these Terms will not exceed the greater of:

the total amount you paid us for the specific Service giving rise to the claim in the 12 months before the event giving rise to liability; or
US $100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence where such limitation is prohibited.

20. Indemnification

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

your use or misuse of the Services;
your violation of these Terms;
your User Content;
your infringement of any intellectual property, privacy, publicity, or other rights; or
your violation of any law or regulation.

32. Governing Law

These Terms and any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.

22. Dispute Resolution; Binding Arbitration; Class Action Waiver

Please read this section carefully. It affects your rights.

A. Informal Resolution First

Before initiating arbitration or any other legal proceeding, you and pclub.io agree to first attempt to resolve any dispute, claim, or controversy informally.

To start this process, you must send a written notice to support@pclub.io that includes:

your full name and contact information;
the email address associated with your account, if any;
a description of the dispute or claim; and
the relief you are seeking.

We will attempt in good faith to resolve the dispute within 30 days after receiving your notice.

B. Agreement to Arbitrate

To the maximum extent permitted by law, you and pclub.io agree that any dispute, claim, or controversy arising out of or relating to:

these Terms;
the Services;
any purchase, subscription, renewal, cancellation, refund, or billing issue;
any communications, representations, or interactions between you and pclub.io; or
the enforceability, scope, applicability, or validity of this arbitration provision

shall be resolved exclusively by final and binding arbitration, and not in court, except as expressly provided below.

This arbitration agreement is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.

C. Arbitration Administrator and Rules

The arbitration shall be administered by the American Arbitration Association (“AAA”) under its applicable consumer or commercial arbitration rules, as appropriate, in effect at the time the arbitration is initiated, except as modified by these Terms.

If AAA is unavailable or unwilling to administer the arbitration, the parties shall mutually agree on another nationally recognized arbitration provider, or a court of competent jurisdiction may appoint one.

D. Arbitration Location and Format

Unless the parties agree otherwise or applicable law requires otherwise:

arbitration will take place in Delaware; and
the arbitration may be conducted by videoconference, written submissions, phone, or in person, as determined by the arbitrator under the applicable rules.

E. INDIVIDUAL PROCEEDINGS ONLY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND pclub.io AGREE THAT ANY ARBITRATION, LAWSUIT, OR OTHER PROCEEDING SHALL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, COLLECTIVE, COORDINATED, CONSOLIDATED, REPRESENTATIVE, OR MASS ACTION.

THE ARBITRATOR MAY AWARD RELIEF ONLY TO THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO RESOLVE THAT INDIVIDUAL PARTY’S CLAIM.

F. WAIVER OF JURY TRIAL AND CLASS ACTIONS

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

YOU AND pclub.io WAIVE ANY RIGHT TO A TRIAL BY JURY; AND
YOU AND pclub.io WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, REPRESENTATIVE ACTION, OR MASS ACTION.

IF A COURT DETERMINES THAT THE CLASS ACTION WAIVER IN THIS SECTION IS UNENFORCEABLE AS TO A PARTICULAR CLAIM, THEN THAT CLAIM SHALL BE SEVERED AND MAY PROCEED IN A COURT OF COMPETENT JURISDICTION, BUT THE REMAINDER OF THIS ARBITRATION PROVISION SHALL REMAIN ENFORCEABLE TO THE FULLEST EXTENT PERMITTED BY LAW.

G. Exceptions

Nothing in this Section prevents either party from:

bringing an individual claim in small claims court, if the claim qualifies and remains on an individual basis only; or
seeking temporary, preliminary, or injunctive relief in a court of competent jurisdiction to prevent actual or threatened misuse of intellectual property, confidential information, or unauthorized access to the Services.

H. Arbitrator’s Authority

The arbitrator shall have exclusive authority to resolve disputes concerning the interpretation, applicability, enforceability, and formation of this arbitration agreement, except that a court of competent jurisdiction shall determine issues concerning the enforceability of the class action waiver.

The arbitrator may award any relief that would otherwise be available in court on an individual basis, subject to these Terms and the applicable arbitration rules.

I. Survival

This arbitration provision survives termination of these Terms and your relationship with pclub.io.

22. Venue for Non-Arbitrable Claims

To the extent any dispute is found not subject to arbitration, or to the extent either party brings a permitted action in court under Section 21(G), that dispute shall be brought exclusively in the state or federal courts located in Delaware, and each party consents to the personal jurisdiction and venue of those courts.

23. Force Majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, war, terrorism, labor disputes, internet outages, utility failures, governmental actions, epidemics, pandemics, cyberattacks, vendor failures, or other force majeure events.

24. Electronic Communications

You consent to receive communications from us electronically, including by email, in-app messages, website notices, or other electronic means. You agree that such communications satisfy any legal requirement that communications be in writing, to the extent permitted by law.

25. Privacy

Your use of the Services is also subject to our Privacy Policy and Cookie Notice, which are incorporated into these Terms by reference.

26. Miscellaneous

These Terms constitute the entire agreement between you and pclub.io regarding the Services and supersede prior or contemporaneous agreements relating to the same subject matter.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

Our failure to enforce any provision of these Terms will not be deemed a waiver of that provision or any other provision.

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.

27. Contact

If you have questions about these Terms, please contact:

pclub.io
‍Support: support@pclub.io
‍Privacy: privacy@pclub.io
‍Website:https://www.pclub.io