1. ACCEPTANCE AND FORMATION OF AGREEMENT

These Master Platform Agreement terms (“Agreement”) constitute a legally binding contract between you (“User,” “you,” or “your”) and Yellow Tail Investment Enterprise, LLC, a limited liability company organized under the laws of the State of Wyoming, together with its affiliated entities (collectively, “Company,” “we,” “us,” or “our”). This Agreement governs your access to and use of: (a) the Serenity Decoded website (serenitydecoded.com); (b) the Serenity Aligned mobile and desktop application (the “Application”); (c) the Aarav The Serenity Genie AI coaching system (“Aarav” or the “AI System”); (d) all digital content, methodologies, and frameworks under the Serenity Decoded brand; and (e) all related services (collectively, the “Platform” or “Services”).
BY CHECKING THE ACCEPTANCE BOX AT REGISTRATION, CLICKING ‘I AGREE,’ COMPLETING A PURCHASE, INITIATING AN AI SESSION, OR OTHERWISE ACCESSING OR USING THE PLATFORM IN ANY MANNER, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE, CEASE ALL USE IMMEDIATELY.
This Agreement incorporates by reference the Privacy, Data & Cookie Policy; the AI, Content & Platform Disclaimer; and the Intellectual Property & Licence Policy (collectively, the “Full Agreement”).

2. DEFINITIONS

• “Serenity Decoded” — the proprietary brand, methodology, and intellectual property ecosystem owned by Yellow Tail Investment Enterprise, LLC and its affiliated entities.
• “Serenity Aligned” — the Serenity Aligned mobile and desktop application.
• “Aarav The Serenity Genie” or “Aarav” — the AI coaching persona within the Application. Aarav is an artificial intelligence system, not a human being.
• “Platform” / “Services” — the Serenity Decoded website, Serenity Aligned Application, Aarav The Serenity Genie AI System, all Content, and all related services.
• “Content” — all text, methodology, frameworks, tools, audio, visual, and other material on the Platform, including AI-generated Outputs.
• “Input” — any data, text, question, or other information you submit to the AI System or Platform.
• “Output” — any response or content generated by the AI System.
• “Subscription” — an ongoing paid plan granting continuous access to specified Platform features, billed monthly or annually until cancelled.
• “Payment Processor” — the third-party payment processing company engaged by the Company to collect and process subscription payments made directly through the Platform. The Payment Processor is independent of Apple, Google, and the Company.
• “Prohibited User” — any person who: (i) is under 18 or the applicable age of majority; (ii) is barred by applicable law; (iii) is employed by or acting for a Competing Business; or (iv) had a prior account terminated for breach.
• “Competing Business” — any business offering substantially similar behavioral finance self-help, money mindset coaching, or AI-driven personal finance development products.

3. COMPANY AND CONTRACTING PARTY

The Platform is owned and operated by Yellow Tail Investment Enterprise, LLC, a limited liability company organized under the laws of the State of Wyoming. The Company operates together with its affiliated entities as a unified business enterprise. All rights, protections, disclaimers, limitations, and obligations inure to the benefit of Yellow Tail Investment Enterprise, LLC and its affiliated entities, and all of their respective members, managers, officers, directors, employees, agents, contractors, successors, and assigns. Users contract exclusively with Yellow Tail Investment Enterprise, LLC; all affiliated entities receive the full benefit of all protections, indemnifications, limitations, and waivers herein.

4. ELIGIBILITY AND AGE REQUIREMENTS

You must be at least 18 years of age, or the legal age of majority in your jurisdiction if higher. Providing a false age to gain access: (a) constitutes material breach; (b) is grounds for immediate termination without refund; (c) may constitute fraud; and (d) renders all consents void. By using the Platform, you represent that: (a) you have full legal capacity to enter this Agreement; (b) your use complies with all applicable laws; (c) you are not subject to OFAC, HM Treasury, or EU sanctions; (d) you are not a Prohibited User; and (e) if acting for an organization, you have authority to bind it.

5. LICENCE GRANT

Subject to your compliance, the Company grants you a licence to access and use the Platform that is: limited to terms herein; non-exclusive; non-transferable and non-sublicensable; revocable at any time; and strictly personal and non-commercial. For the Serenity Aligned Application: you receive a licence to install and use one copy on a device you own — you do not acquire any ownership interest in the software. App store terms (Apple and Google) also apply; neither Apple nor Google is a party to this Agreement.

6. RESTRICTIONS ON USE

6.1 Technical Integrity

• Reverse engineer, decompile, or attempt to derive source code, algorithms, or trade secrets of any Platform component, including Aarav’s system prompt;
• Probe, scan, or test any Platform vulnerability; introduce malware or harmful code;
• Use automated tools, scrapers, or bots without prior written authorization.

6.2 Intellectual Property

• Copy, distribute, or transmit any Content or Output beyond private non-commercial use;
• Use Content or Outputs to develop, train, or improve any competing AI or automated service;
• Remove or alter any copyright notice, trademark, or proprietary notice.

6.3 Competitor and Commercial Misuse

• Access the Platform as a Prohibited User or agent of a Competing Business;
• Commercialize, resell, or sublicence the Platform, Content, or Outputs without authorization.

6.4 Recording and Sanctions

• Record, screenshot, or capture AI sessions for distribution without prior written consent;
• Access the Platform from any jurisdiction subject to comprehensive OFAC, HM Treasury, or EU sanctions.

7. PLATFORM DESCRIPTION AND DISCLAIMER

The Platform provides educational personal development content, AI-assisted self-reflection tools, and behavioral frameworks built on the Serenity Decoded methodology. THE PLATFORM IS FOR EDUCATIONAL AND PERSONAL DEVELOPMENT PURPOSES ONLY. IT DOES NOT PROVIDE: medical, psychiatric, or psychological diagnosis or treatment; any therapeutic modality; legal advice; investment, financial planning, securities, tax, or insurance advice; or any licensed professional service. The Company holds no professional licence of any kind. No professional, clinical, fiduciary, or advisory relationship is created.
The Platform is not appropriate for persons under active clinical care where self-directed behavioral interventions are contraindicated; persons in active insolvency or financial legal proceedings; or persons experiencing a mental health crisis requiring immediate professional care.

8. AARAV THE SERENITY GENIE — AI SYSTEM TERMS

AARAV THE SERENITY GENIE IS AN ARTIFICIAL INTELLIGENCE SYSTEM, NOT A HUMAN BEING. The word “Genie” is a creative metaphor only — it carries no implication of guaranteed outcomes. EU AI Act Article 50: Aarav is an AI system. You are interacting with artificial intelligence. Aarav will not deny being AI when sincerely asked.
You acknowledge: (a) Outputs are probabilistic — not verified facts or professional opinions; (b) the AI may produce inaccurate responses; (c) Outputs may vary across sessions; (d) the AI has no real-time data access; (e) empathetic tone is a design feature, not human understanding; (f) models may change without notice. THE AI IS A TECHNOLOGY PRODUCT — NOT A PROFESSIONAL OF ANY KIND. YOU BEAR SOLE RESPONSIBILITY FOR EVALUATING AND ACTING ON OUTPUTS.
Do not submit: medical records; financial credentials; legal documents; passwords; third-party personal data; or any information whose AI processing would violate applicable law. The AI System is powered by OpenAI’s GPT-4. The Company may change AI providers or models without notice.
Aarav’s system prompt, configuration, and operational parameters are trade secrets of Yellow Tail Investment Enterprise, LLC and its affiliated entities and may not be extracted, reproduced, or published.

9. USER ACCOUNTS AND SECURITY

Provide accurate registration information; maintain only one account; do not register under a false identity. You are solely responsible for credential security and all account activity. The Company may monitor Platform activity for safety, security, compliance, and improvement.

10. ACCEPTABLE USE AND PROHIBITED CONDUCT

You must not: engage in illegal, fraudulent, or harmful activity; submit abusive, threatening, or discriminatory content; manipulate or jailbreak the AI System; post fake reviews or impersonate the Company; redistribute Outputs to misrepresent the Platform; or collect other Users’ personal data without consent.

11. USER CONTENT, INPUTS, AND LICENCE GRANT

You retain intellectual property rights in original Inputs. By submitting Inputs, you grant Yellow Tail Investment Enterprise, LLC and its affiliated entities a worldwide, non-exclusive, royalty-free, sublicensable, transferable, perpetual licence to process Inputs to provide Services, use anonymized data for improvement, and comply with legal obligations. You warrant Inputs are lawful, non-infringing, and not false.

12. INTELLECTUAL PROPERTY RIGHTS

All Platform Content — including the Serenity Decoded methodology, all frameworks, all Content, all AI system architecture, all AI Outputs, and all visual, audio, and textual assets — is owned by Yellow Tail Investment Enterprise, LLC and its affiliated entities and is protected by copyright, trademark, trade secret, and other applicable law.

13. SUBSCRIPTIONS AND ONGOING BILLING

13.1 Subscription Plans

The Platform offers subscription plans billed on a monthly or annual basis as selected at purchase. All subscriptions are ongoing and continuous — they have no fixed term, no expiration date, and no renewal date. Your subscription continues and your payment method is charged each month or year until you cancel.

13.2 ONGOING CONTINUOUS SUBSCRIPTION — PLEASE READ

YOUR SUBSCRIPTION BEGINS ON THE DATE OF YOUR FIRST PAYMENT AND CONTINUES INDEFINITELY ON A MONTHLY OR ANNUAL BASIS UNTIL YOU CANCEL. YOUR PAYMENT METHOD WILL BE CHARGED AUTOMATICALLY EVERY MONTH OR YEAR AS APPLICABLE — ON THE SAME RECURRING SCHEDULE AS YOUR INITIAL PAYMENT, WITHOUT FURTHER ACTION FROM YOU AND WITHOUT ANY EXPIRATION DATE.

13.3 Billing Cadence

Monthly billing: your payment method is charged every calendar month from the date of your first payment. Annual billing: your payment method is charged once per year from the date of your first payment. For monthly subscribers, the introductory offer of two months of access for the price of one applies to the first billing period only. Current pricing for each option is displayed at checkout. You will see the exact amount before completing your purchase.

13.4 Applicable Consumer Protection Disclosures

• United States: Your subscription is a continuous negative option arrangement. You may cancel at any time and access continues through the end of your current paid period.
• California (Bus. & Prof. Code §17600): California law requires clear disclosure of the continuous nature of your subscription before purchase. You acknowledge this disclosure by completing your purchase.
• New York, Illinois, North Carolina, Vermont, Washington, and other states with subscription statutes: Applicable mandatory disclosure requirements are satisfied by the disclosures made at checkout.
• EU and UK: Your statutory withdrawal rights are preserved. See §14.5.
• Canada, Australia, India, and all other jurisdictions: Applicable mandatory local consumer rights are preserved.

13.5 Price Changes

We may change subscription fees with at least 30 days’ advance notice by email and/or Platform notification. Your continued use after a price change takes effect constitutes acceptance of the new pricing.

13.6 Taxes and Duties

You are responsible for all applicable taxes, VAT, GST, and other fiscal charges. We may collect and remit taxes where required by law.

13.7 Chargeback Prohibition

Before initiating any payment dispute or chargeback with your card issuer, bank, or through any payment platform, contact us through serenitydecoded.com and allow 30 days for resolution. Initiating a chargeback without following this procedure constitutes breach and may result in account termination and cost recovery. This obligation applies regardless of the channel through which your subscription was purchased.

14. PAYMENT TERMS AND SUBSCRIPTION OPTIONS

14.1 Payment Required — No Free Access

ALL USERS MUST PAY TO ACCESS THE PLATFORM. THERE IS NO FREE TRIAL. PAYMENT IS REQUIRED ON DAY ONE REGARDLESS OF THE SUBSCRIPTION OPTION SELECTED. Access to the Platform is provided only upon receipt of payment.

14.2 Monthly Subscription — No Refund

If you select the monthly billing option, you are charged on day one. The introductory offer of two months of full Platform access for the price of one monthly payment applies to the first billing period. MONTHLY SUBSCRIPTION PAYMENTS ARE FINAL AND NON-REFUNDABLE. No refund is available for any monthly subscription payment under any circumstance, except as required by mandatory applicable statutory law that cannot be contracted away.

14.3 Annual Subscription — No Refund

If you select the annual billing option, you are charged the full annual fee on day one and every 12 months thereafter. ANNUAL SUBSCRIPTION PAYMENTS ARE FINAL AND NON-REFUNDABLE. No refund is available for any annual subscription payment, including pro-rata refunds for unused months, under any circumstance, except: (a) as required by mandatory applicable statutory law that cannot be contracted away; or (b) upon permanent Platform discontinuation as described in §28.

14.4 Conspicuous Pre-Purchase Disclosure

BEFORE COMPLETING YOUR PURCHASE, THE PLATFORM WILL CLEARLY DISPLAY: (a) YOUR SELECTED BILLING OPTION — MONTHLY OR ANNUAL; (b) THE EXACT AMOUNT CHARGED TODAY; (c) THAT ALL SUBSCRIPTION PAYMENTS ARE NON-REFUNDABLE; AND (d) HOW TO CANCEL YOUR ONGOING SUBSCRIPTION.

4.5 EU and UK Users — 14-Day Statutory Right of Withdrawal

EU and UK consumers have a statutory 14-day right of withdrawal from digital content and service contracts. By completing your purchase and requesting immediate commencement of Platform access, you expressly request early delivery of the digital service. A separate, standalone checkbox at checkout confirms your request for immediate commencement and your acknowledgment that the statutory 14-day withdrawal right is waived upon commencement of service delivery, as permitted by EU Directive 2011/83/EU Article 16(m) and the UK Consumer Contracts Regulations 2013. This waiver applies to both the monthly subscription checkout and the annual subscription checkout. The waiver is a standalone consent mechanism and does not reference or depend upon any refund or guarantee policy. Where a court determines this waiver is not effective for any reason, your full statutory 14-day withdrawal right is preserved.

14.6 App Store Purchases

Subscriptions purchased through Apple or Google are governed by those platforms’ own refund policies. No Company-side refund is available for subscriptions purchased through the App Store or Google Play. Contact Apple or Google directly for those refund requests.

14.7 Third-Party Payment Processing

Subscriptions purchased directly through the Platform — outside of Apple App Store or Google Play — are processed by the Company’s third-party payment processor (the “Payment Processor”). The following applies to all such purchases:
14.7.1 Independent Processor. The Payment Processor is an independent third party engaged by the Company to collect and process subscription payments on the Company’s behalf. The Payment Processor’s own terms of service and privacy policy govern its handling of your payment data and apply independently of this Agreement. You should review the Payment Processor’s terms and privacy policy before completing a purchase. Contact us through serenitydecoded.com for current Payment Processor details.
14.7.2 Card Data Not Stored by the Company. The Company does not receive, store, process, or have access to your full payment card number, card verification value (CVV), expiry date, or bank account details at any stage. All card data is collected and processed exclusively by the Payment Processor in accordance with Payment Card Industry Data Security Standards (PCI-DSS). The Company confirms that its payment integration is designed to achieve the lowest possible PCI-DSS scope for the Company.
14.7.3 Data the Company Receives. Upon confirmation of successful payment, the Company receives from the Payment Processor only: (a) a payment success confirmation; (b) the last four digits of your card for account identification purposes; (c) card type (such as Visa or Mastercard); (d) your billing name and billing address; and (e) a unique transaction reference identifier. The Company does not receive or store full card details at any point.
14.7.4 Processor Terms. Your use of the Payment Processor’s service is also subject to the Payment Processor’s own terms of service. Those terms apply independently of and in addition to this Agreement. The Company is not responsible for the Payment Processor’s systems, errors, or failures beyond the Company’s reasonable control.
14.7.5 Payment Disputes. Before initiating any chargeback or dispute through your card issuer, bank, or payment platform, you must contact the Company through serenitydecoded.com and allow 30 days for resolution, as required by §13.7. Chargebacks initiated without following this procedure constitute a breach of this Agreement.

15. CANCELLATION POLICY

15.1 How to Cancel

Cancel your subscription at any time by: (a) navigating to Account Settings and selecting ‘Cancel Subscription’ — no more than two taps from the home screen; or (b) contacting us through serenitydecoded.com. Cancellation takes effect at the end of your current paid period (monthly or annual as applicable). No further charges apply after cancellation takes effect. You will receive an email confirmation of cancellation immediately.

15.2 Effect of Cancellation

Upon cancellation your access continues through the end of your current paid period. No partial refunds are issued for unused time within a paid period, or where required by mandatory law.

15.3 Statutory Rights Preserved

This Policy does not override any mandatory statutory consumer rights in your jurisdiction. EU and UK withdrawal rights are addressed in §14.5.

16. THIRD-PARTY SERVICES AND LINKS

The Company does not control, endorse, or assume responsibility for any third-party platform or content. Your use of any third-party service is at your own risk and subject to that service’s terms. This includes but is not limited to: Apple App Store, Google Play, and the Company’s Payment Processor for direct subscription purchases.

17. DISCLAIMER OF WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM IS PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” WITHOUT ANY WARRANTY. YELLOW TAIL INVESTMENT ENTERPRISE, LLC AND ITS AFFILIATED ENTITIES EXPRESSLY DISCLAIM ALL WARRANTIES INCLUDING: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR PURPOSE, SATISFACTORY QUALITY, AND NON-INFRINGEMENT; WARRANTIES AS TO ACCURACY OR USEFULNESS OF CONTENT OR AI OUTPUTS; WARRANTIES THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; AND WARRANTIES THAT ANY METHODOLOGY WILL PRODUCE ANY PARTICULAR OUTCOME.

18. LIMITATION OF LIABILITY

18.1 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YELLOW TAIL INVESTMENT ENTERPRISE, LLC AND ITS AFFILIATED ENTITIES — NOR ANY OF THEIR RESPECTIVE MEMBERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, CONTRACTORS, OR AI INFRASTRUCTURE PROVIDERS — SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR LOSSES FROM RELIANCE ON AI OUTPUTS OR PLATFORM CONTENT — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

18.2 Aggregate Liability Cap

THE TOTAL AGGREGATE LIABILITY OF THE COMPANY AND ITS AFFILIATED ENTITIES TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF: (I) THE TOTAL AMOUNT PAID BY YOU IN THE TWELVE MONTHS PRECEDING THE CLAIM; OR (II) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00).

18.3 Mutual Consequential Damages Waiver

Both parties mutually waive any right to claim consequential, indirect, special, or punitive damages from the other in connection with this Agreement.

18.4 Liquidated Damages for Specific Violations — Commercial and Institutional Infringers

The following liquidated damages provisions apply to commercial and institutional infringers, including without limitation competing businesses, AI companies, data aggregators, institutional purchasers, platform operators, and other commercial actors that access or use the Platform for commercial gain or competitive advantage.

• Unauthorized commercial exploitation of Content or Outputs: USD $100,000 per occurrence;
• Reverse engineering, extraction, or misappropriation of AI System configuration, system prompt, or trade secrets: USD $250,000 per occurrence;
• Unauthorized access or use of the Platform by a Competing Business or its representatives: USD $150,000 per account per calendar month of unauthorized use;
• Systematic or automated data scraping in violation of this Agreement: USD $100,000 per occurrence.

18.5 Jurisdiction-Specific Savings

Some jurisdictions do not permit full exclusion or limitation of liability, including certain EU, UK, and Australian mandatory consumer protections. In those jurisdictions, liability is limited to the maximum extent permitted by mandatory law. Nothing herein limits liability for death or personal injury caused by negligence, fraud, or any other matter that cannot lawfully be excluded.

19. INDEMNIFICATION

19.1 Indemnification Obligation

You agree to indemnify, defend, and hold harmless Yellow Tail Investment Enterprise, LLC and its affiliated entities, and all of their respective members, managers, officers, directors, employees, contractors, consultants, agents, successors, and assigns, from and against all claims, liabilities, damages, losses, costs, and expenses — including legal fees at all levels, expert witness fees, investigation costs, regulatory response costs, and reputational remediation costs.

19.2 Triggering Events

• Your access to or use of the Platform;
• Your violation of this Agreement or applicable law;
• Any breach of representation or warranty, including false age or eligibility certification;
• Your negligence or willful misconduct;
• The content, nature, or accuracy of any Input;
• Unauthorized use, redistribution, or commercialization of any Output;
• Violation of any third-party intellectual property or privacy right;
• Regulatory claims or investigations triggered by your conduct;
• Your conduct causing adverse action against the Company by app stores or the Payment Processor;
• Any unauthorized chargeback or payment dispute initiated in breach of this Agreement.

19.3 Defense Control; No Offset; Survival

The Company controls all defence and settlement strategy and must approve any settlement. Your obligations are: independent of the liability cap; unconditional and primary; not subject to offset; jointly and severally binding on co-responsible Users; and they survive termination.

20. PRE-CLAIM NOTICE AND CURE

BEFORE INITIATING ANY ARBITRATION OR LEGAL PROCEEDING, YOU MUST: (a) provide written notice through serenitydecoded.com describing your claim and remedy sought; and (b) allow 60 days for investigation and resolution. Compliance is a condition precedent to any formal proceeding and tolls applicable limitation periods.

21. DISPUTE RESOLUTION AND BINDING ARBITRATION

21.1 Mandatory Individual Arbitration

EXCEPT AS IN §21.8, ALL DISPUTES BETWEEN YOU AND THE COMPANY OR ITS AFFILIATED ENTITIES SHALL BE RESOLVED BY FINAL AND BINDING INDIVIDUAL ARBITRATION. YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDINGS.

21.2 Arbitration Provider, Rules, and Seat

Arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (adr.org), as modified herein. The arbitration seat is the State of Florida. In-person proceedings shall be conducted in Palm Beach County, Florida. The consumer may elect at any time, without providing justification, to proceed by telephone, videoconference, or written document submission in lieu of in-person attendance.

21.3 Cost Allocation

For claims valued under USD $3,000: the Company will advance all AAA filing and administrative fees. For claims valued at USD $3,000 or more: AAA Consumer Arbitration Rules govern fee allocation; the consumer pays the standard AAA consumer initial filing fee and the Company pays all remaining fees. Each party bears its own attorneys’ fees unless the arbitrator finds a claim was filed in bad faith.

21.4 Thirty-Day Opt-Out

You may opt out of arbitration within 30 days of first accepting these Terms by written notice through serenitydecoded.com. If you opt out, disputes are subject to the venue provisions in §24.

21.5 Mass Arbitration — Batching and Bellwether

If 50 or more substantially similar arbitration demands are filed against the Company within any 90-day period: (a) demands are batched into groups of 50; (b) 10 bellwether cases proceed first; (c) subsequent batches proceed only after bellwether resolution; and (d) filing fees are shared proportionally.

21.6 Coordination of Similar Claims

The Company may coordinate substantially similar claims filed by Users represented by the same counsel into a single arbitration proceeding.

21.7 Class, Collective, and Representative Action Waiver

YOU AND THE COMPANY AGREE ALL DISPUTES SHALL BE RESOLVED INDIVIDUALLY. NEITHER PARTY MAY BRING CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDINGS. YOU WAIVE REPRESENTATIVE CLAIMS INCLUDING UNDER CALIFORNIA PAGA OR EQUIVALENT STATUTES. IF ANY PORTION OF THIS WAIVER IS UNENFORCEABLE, THAT PORTION SHALL BE SEVERED AND STAYED.

21.8 Exceptions to Arbitration

Either party may seek: (a) emergency injunctive relief to prevent irreparable harm; (b) small claims court relief within applicable limits; or (c) declaratory or injunctive relief to protect intellectual property or prevent trade secret misappropriation.

22. SHORTENED LIMITATIONS PERIOD

ANY CLAIM ARISING FROM THIS AGREEMENT OR THE PLATFORM MUST BE COMMENCED WITHIN ONE (1) YEAR OF THE DATE IT FIRST AROSE OR IT IS PERMANENTLY BARRED. WHERE APPLICABLE LAW PROHIBITS CONTRACTUAL SHORTENING OF LIMITATION PERIODS, THE SHORTEST LEGALLY PERMISSIBLE PERIOD APPLIES.

23. NON-DISPARAGEMENT

You agree not to make, publish, or communicate any statement reasonably understood as disparaging, defaming, or damaging to the reputation of Yellow Tail Investment Enterprise, LLC and its affiliated entities, the Platform, the Aarav The Serenity Genie persona, the Serenity Decoded methodology, or any member, manager, officer, or employee. This obligation continues following termination. This does not prohibit: (a) honest descriptions of your experience; (b) complaints to regulatory bodies; or (c) statements protected by the Consumer Review Fairness Act or equivalent legislation.

24. GOVERNING LAW, JURISDICTION, AND INTERNATIONAL USERS

24.1 Governing Law and Venue

This Agreement is governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law principles. For any dispute not subject to arbitration under §21, you consent to the exclusive jurisdiction of the state and federal courts located in Palm Beach County, Florida, and the Southern District of Florida.

24.2 International Mandatory Consumer Rights

• EU / EEA: Rights under the Consumer Rights Directive, Unfair Contract Terms Directive, GDPR, and EU AI Act are preserved.
• UK: Rights under the Consumer Rights Act 2015 and UK consumer protection legislation are preserved.
• Canada: Federal and provincial consumer protection rights are preserved.
• Australia: Rights under the Australian Consumer Law are preserved.
• India: Rights under the Consumer Protection Act 2019 and DPDPA 2023 are preserved.
• All other jurisdictions: Where mandatory local law provides rights conflicting with this Agreement, those rights prevail to the extent required.

Emergency Injunctive Relief.
The parties acknowledge that any breach or threatened breach of the intellectual property, confidentiality, or proprietary rights provisions of this Agreement would cause irreparable harm to the Company for which monetary damages would be an inadequate remedy. Accordingly, the Company and its affiliated entities shall be entitled to seek emergency, preliminary, and permanent injunctive relief, without the requirement to post bond or other security, in any court of competent jurisdiction.
Attorneys’ Fees.
In any proceeding to enforce this Agreement or arising from a dispute hereunder, the prevailing party shall be entitled to recover its reasonable attorneys’ fees, costs, and expenses from the non-prevailing party.

25. FORCE MAJEURE

Yellow Tail Investment Enterprise, LLC and its affiliated entities shall not be liable for failure or delay arising from circumstances beyond reasonable control, including: acts of God; war; government actions; natural disasters; pandemics; cyberattacks; internet failures; OpenAI or third-party AI provider outages; Payment Processor or cloud hosting failures; or any other cause beyond reasonable control.

26. ASSUMPTION OF RISK AND INTERVENING CAUSE

You expressly assume all risks of using a behavioral self-help platform, including: the risk that self-reflection surfaces difficult emotions; the risk that applying the methodology leads to different financial decisions; and the risk that behavioral change is uncertain. Your independent decisions constitute superseding intervening causes breaking any causation chain to the Company.

27. TERMINATION

The Company may terminate or suspend your access at any time for breach, security concerns, regulatory necessity, or harm to others. You may terminate by cancelling your Subscription and ceasing use. Sections 3, 11.2, 12, 17, 18, 19, 21, 22, 23, 24, 26, and 30 survive termination.

28. PLATFORM DISCONTINUATION

If the Platform is permanently discontinued: (a) at least 30 days’ advance notice will be provided; (b) a data export mechanism will be made available; and (c) unused prepaid fees will be pro-rated and refunded where permitted.

29. ELECTRONIC COMMUNICATIONS AND TCPA CONSENT

By creating an account, you consent to electronic communications for account notices, confirmations, and legal disclosures. For SMS marketing: by providing your phone number and opting in, you expressly consent under the TCPA and applicable law to recurring marketing texts. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help.

30. GENERAL PROVISIONS

Entire Agreement: this Agreement and the Full Agreement constitute the entire agreement regarding the Platform and supersede all prior agreements. Amendments: material changes require advance notice and, where required, re-acceptance. Severability: invalid provisions are modified to minimum extent necessary; remaining provisions continue in full force. No Waiver: failure to enforce is not a waiver; waivers must be written and signed. Assignment: you may not assign without consent; the Company and its affiliated entities may assign freely. Language: English controls.

31. CONTACT

Yellow Tail Investment Enterprise, LLC | Website: serenitydecoded.com

Effective: May 2026 | Version 8 | © 2026 Yellow Tail Investment Enterprise, LLC. All Rights Reserved.
App_v8_01_Master_Platform_Agreement | Version 8 | Final