Terms and Conditions

Classward, LLC | Effective Date: May 21st, 2026

PLEASE READ THIS TERMS AND CONDITIONS AGREEMENT CAREFULLY. THIS AGREEMENT CONTAINS A MANDATORY BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER (SECTION 22) THAT REQUIRES YOU TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS THROUGH ARBITRATION. UNLESS YOU OPT OUT IN ACCORDANCE WITH SECTION 22, YOU GIVE UP YOUR RIGHT TO GO TO COURT (EXCEPT FOR SMALL-CLAIMS MATTERS) AND YOUR RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION OR PROCEEDING.

This Terms and Conditions Agreement (the "Agreement," "Terms," or "Terms and Conditions") is a legally binding contract between you ("you," "your," or "User") and Classward, LLC, an Oregon limited liability company ("Classward," "Company," "we," "our," or "us"). This Agreement governs your access to and use of all websites, mobile applications, software, content, products, services, and platforms operated by Classward, including but not limited to those marketed under the brand names EMTprep, EMT-CE, PharmRenew, PharmTechReview, PhlebCE, PhlebReview, CPRreview, MArenew, CMAreview, and EKGce, together with any other Classward brand or property now existing or hereafter created (collectively, the "Services").

By accessing or using any of the Services, by clicking a button or checking a box indicating acceptance of this Agreement, by creating an account, or by purchasing any product or membership, you represent and warrant that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy, Membership Agreement, and Refund and Cancellation Policy, each of which is incorporated herein by reference. If you do not agree to all of the terms and conditions of this Agreement, you must not access or use the Services.

1. Eligibility and Account Registration

1.1 Eligibility

The Services are intended for use by individuals who are eighteen (18) years of age or older. Individuals between thirteen (13) and seventeen (17) years of age may use the Services only with the verifiable consent and supervision of a parent or legal guardian who agrees to be bound by this Agreement on their behalf. The Services are not intended for and may not be used by any person under the age of thirteen (13). By accessing or using the Services, you represent and warrant that you meet these eligibility requirements.

1.2 Account Registration

To access certain features of the Services, including any paid membership, you must register an account and provide accurate, current, and complete information. You agree to promptly update your account information to keep it accurate, current, and complete. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security at support@classward.com.

1.3 Account Holder Authority and Payment Authorization

By providing payment information to us or to our payment processor, you represent and warrant that: (a) you are the cardholder of the payment method provided, or you have obtained the express, knowing, and continuing authorization of the cardholder to use that payment method to purchase the Services and to authorize all recurring charges contemplated by your selected membership; (b) all information you provide is true, accurate, and complete; and (c) you will be solely responsible for any unauthorized use of any payment method submitted under your account, regardless of whether the payment method belongs to you or to a third party. If you submit payment information belonging to another person, you agree to indemnify and hold Classward harmless from any claim, dispute, chargeback, or liability arising from such submission, including without limitation claims by the cardholder asserting unauthorized use.

1.4 One Account Per User

You may not maintain more than one active account on the same Service brand without our prior written consent, and you may not transfer, sell, share, or otherwise assign your account to any third party. Any attempt to do so is null and void and may result in immediate termination of all of your accounts.

2. Modifications to This Agreement

We reserve the right to modify, amend, or update this Agreement at any time. The manner in which changes take effect depends on whether the change is material:

2.1 Non-Material Changes

For non-material changes (including without limitation typographical corrections, clarifications, updates to contact information, and changes that do not materially diminish your rights or materially expand your obligations), we will post the revised Agreement on the applicable Service with an updated effective date. Such changes take effect immediately upon posting. Your continued use of the Services after the updated effective date constitutes your acceptance of the revised Agreement.

2.2 Material Changes

For material changes (including without limitation changes to fees and pricing, changes to refund or cancellation policies, changes to the dispute resolution or arbitration provisions, changes to the limitation of liability or indemnification provisions, changes to user content licensing, or any other change that materially diminishes your rights or materially expands your obligations), we will provide you with at least thirty (30) days' advance notice by email sent to the email address associated with your account, and will also post a conspicuous notice on the applicable Service. The revised Agreement will take effect on the date specified in the notice, which will be no fewer than thirty (30) days after the notice is sent. If you do not agree to a material change, you must cancel your membership and discontinue use of the Services before the change takes effect; your continued use of the Services on or after the effective date constitutes your acceptance of the revised Agreement.

2.3 Version Records

We maintain a record of the version of this Agreement that you accepted at the time of registration and at the time of each subsequent material change. Upon request to support@classward.com, we will provide you with a copy of the version of this Agreement applicable to your use at any given time.

3. Description of Services

Classward operates educational technology platforms designed to help users prepare for professional licensing examinations, complete continuing education ("CE") requirements, and access related study, refresher, and review content. Depending on the brand and membership purchased, the Services may include:

National Registry of Emergency Medical Technicians ("NREMT") test preparation and practice content;
Continuing education courses accredited by the Commission on Accreditation for Pre-Hospital Continuing Education ("CAPCE"), California Department of Public Health (“CDPH”), Accreditation Council for Pharmacy Education (“APCE”), Professional Acknowledgment for Continuing Education (P.A.C.E.^®) and similar accrediting bodies;
Refresher courses and review content related to emergency medical services, pharmacy technician practice, phlebotomy, medical assisting, electrocardiography, cardiopulmonary resuscitation, and related allied health fields;
Mobile application features, including study tools, progress tracking, push notifications, offline access, and similar functionality;
Artificial intelligence–powered features, including personalized study recommendations, explanations of practice questions, virtual tutoring support, and similar functionality (collectively, "AI Features"); and
Reporting of completed CE coursework to CAPCE, NABP CPE Monitor, CDPH, or other applicable regulatory or accrediting bodies.

We reserve the right at any time and from time to time to modify, suspend, or discontinue any portion of the Services, with or without notice. We will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services.

4. AI Features

AI Features are designed to assist users with study planning, content review, and exam preparation. AI Features generate content using artificial intelligence and machine learning systems, including large language models. You acknowledge and agree that:

AI Features may produce outputs that are inaccurate, incomplete, outdated, biased, or misleading. AI-generated outputs are not guaranteed to be correct, current, or fit for any particular purpose.
AI Features are not a substitute for accredited training, professional medical education, clinical judgment, supervised practice, or the advice of a qualified instructor or healthcare professional.
You agree not to rely solely on AI Features for examination preparation, clinical decision-making, patient care, or any safety-critical task.
Inputs you provide to AI Features may be used to deliver and improve the Services and may be processed by us or by third-party AI service providers, subject to our Privacy Policy.
You will not use AI Features to (a) generate content that is unlawful, defamatory, obscene, harassing, or otherwise prohibited under Section 9 of this Agreement; (b) circumvent any safety, content, or usage controls; (c) reverse engineer or extract the underlying models or training data; or (d) develop, train, or improve any artificial intelligence model or system.

5. Mobile Applications and In-App Purchases

5.1 License to Use Mobile Applications

Subject to your compliance with this Agreement, Classward grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use Classward's mobile applications on a mobile device that you own or control, solely for your personal, non-commercial use of the Services. This license terminates automatically upon termination of your account or this Agreement.

5.2 Apple App Store Purchases

If you access the Services through an application obtained from the Apple App Store (an "Apple-Sourced Application"), the following additional terms apply: (a) this Agreement is concluded between you and Classward only, and not with Apple, Inc. ("Apple"); (b) Classward, not Apple, is solely responsible for the Apple-Sourced Application and its content; (c) the license granted in Section 5.1 is limited to use on any Apple-branded device that you own or control as permitted by the Apple Media Services Terms and Conditions; (d) Apple has no obligation to furnish any maintenance or support services with respect to the Apple-Sourced Application; (e) in the event of any failure of the Apple-Sourced Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Apple-Sourced Application to you, and to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever; (f) Classward, not Apple, is responsible for addressing any claims by you or any third party relating to the Apple-Sourced Application or your possession or use of it; (g) Apple and Apple's subsidiaries are third-party beneficiaries of this Agreement and, upon your acceptance of this Agreement, will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary thereof.

5.3 Google Play Store Purchases

If you access the Services through an application obtained from the Google Play Store, you acknowledge that this Agreement is between you and Classward only, and not with Google LLC, and that Google has no responsibility for the application or its content. Your use of the application is also subject to the Google Play Terms of Service.

5.4 In-App Purchase Billing

Subscriptions and other purchases made through the Apple App Store or Google Play Store ("In-App Purchases") are processed and billed by Apple or Google, as applicable, and are governed by Apple's or Google's respective billing terms, refund policies, and dispute resolution procedures. Classward is not the merchant of record for In-App Purchases and cannot directly issue refunds, cancellations, or billing adjustments for In-App Purchases. Refund requests for In-App Purchases must be submitted directly to Apple or Google through their respective support channels. Auto-renewal of In-App Purchase subscriptions is managed through your Apple ID or Google account settings, not through Classward.

6. Intellectual Property

6.1 Ownership

All content, materials, software, code, designs, layouts, text, graphics, images, video, audio, illustrations, photographs, practice questions, course content, AI prompts and outputs, study guides, mock examinations, certificates, data compilations, and all other content made available through the Services (collectively, "Site Materials") are the property of Classward or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property and proprietary rights laws. The Site Materials, in whole or in part, are the original works of authorship of Classward or its licensors and constitute valuable trade secrets and confidential information of Classward.

6.2 Limited License to Users

Subject to your compliance with this Agreement and your maintenance of an active membership where applicable, Classward grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Site Materials solely for your own personal, non-commercial educational use in connection with your authorized use of the Services. This license terminates automatically upon termination of your account or this Agreement.

6.3 Restrictions

Except as expressly permitted in this Agreement, you may not, and may not permit any third party to:

copy, reproduce, modify, adapt, translate, publish, distribute, transmit, broadcast, sell, license, lease, rent, loan, or otherwise commercialize any portion of the Site Materials;
create derivative works based on the Site Materials, in whole or in part;
use the Site Materials to develop, train, fine-tune, validate, evaluate, or improve any artificial intelligence, machine learning, or other automated system or model;
decompile, disassemble, reverse engineer, or attempt to derive the source code, underlying ideas, algorithms, structure, or organization of any software, model, or system used to provide the Services;
remove, alter, or obscure any copyright, trademark, or other proprietary notices contained on or in the Site Materials;
use any robot, spider, scraper, automated tool, or manual process to access, monitor, copy, harvest, or index any portion of the Services or Site Materials;
frame, mirror, or otherwise incorporate any portion of the Services into any other website, product, or service;
share login credentials or otherwise allow any other person to access the Services through your account; or
use the Services or Site Materials for any commercial purpose, including without limitation providing instruction or test preparation services to others, except as expressly authorized in writing by Classward.

6.4 Trademarks

The Classward, EMTprep, EMT-CE, PharmRenew, PharmTechReview, PhlebCE, PhlebReview, CPRreview, MArenew, CMAreview, EKGce, and other names, logos, slogans, and designs used on or in connection with the Services are trademarks, service marks, or trade names of Classward or its licensors (collectively, "Trademarks"). You may not use any Trademarks without our prior written consent, including without limitation in any advertising, publicity, metatags, hidden text, or domain name, or in any manner likely to cause confusion as to source, sponsorship, affiliation, or endorsement, or to disparage or discredit Classward.

6.5 Feedback

If you provide us with any suggestions, comments, ideas, improvements, or other feedback regarding the Services ("Feedback"), you grant Classward a perpetual, irrevocable, worldwide, royalty-free, fully paid, transferable, sublicensable license to use, reproduce, modify, distribute, prepare derivative works of, display, perform, and otherwise exploit such Feedback for any purpose, without compensation or attribution to you.

7. User Content

7.1 User Content License

If you submit, post, upload, or otherwise make available any content through the Services (including without limitation comments, questions, support requests, profile information, or AI Feature inputs) ("User Content"), you grant Classward a non-exclusive, worldwide, royalty-free, fully paid, transferable, sublicensable, perpetual, and irrevocable license to use, reproduce, modify, adapt, translate, distribute, publicly display, publicly perform, create derivative works of, and otherwise exploit such User Content in connection with the operation, provision, improvement, marketing, and promotion of the Services and Classward's business, in any media now known or hereafter developed.

7.2 User Content Representations

You represent and warrant that: (a) you own all rights in and to your User Content or have obtained all necessary rights, licenses, consents, and permissions to grant the license set forth in Section 7.1; (b) your User Content does not and will not infringe, misappropriate, or violate any third party's intellectual property rights, privacy rights, publicity rights, contract rights, or any other rights; and (c) your User Content complies with this Agreement and all applicable laws.

7.3 Removal of User Content

Classward reserves the right, but is not obligated, to monitor, review, edit, modify, or remove any User Content at any time, in our sole discretion, with or without notice, for any reason or no reason. Classward is not responsible for any User Content posted by you or any third party.

8. Prohibited Conduct

You agree not to, and not to attempt to or assist any third party to:

violate any applicable federal, state, local, or international law, regulation, ordinance, or rule, or any contractual or fiduciary duty;
use the Services in any manner that could damage, disable, overburden, or impair any Classward server, network, or system, or interfere with any other party's use and enjoyment of the Services;
attempt to gain unauthorized access to any account, computer system, or network connected to the Services, whether through hacking, password mining, or any other means;
transmit any viruses, worms, malware, ransomware, spyware, trojan horses, time bombs, cancelbots, or other harmful or malicious code;
engage in any data mining, scraping, indexing, or harvesting activities, or use any automated means or interface to access or collect data from the Services;
circumvent, disable, or otherwise interfere with security-related, content-protection, or access-control features of the Services;
submit false, inaccurate, or misleading information, including any false identity or impersonation of any other person or entity;
post or transmit any content that is unlawful, defamatory, libelous, obscene, pornographic, harassing, threatening, hateful, racially or ethnically offensive, invasive of another's privacy, or that encourages conduct that would constitute a criminal offense or give rise to civil liability;
share, redistribute, post, or otherwise make available any Site Materials, including practice questions, course content, certificates, or AI-generated outputs, in any public or private forum, social media platform, study group, file-sharing service, or commercial offering;
use the Services to violate the academic integrity policies, examination security policies, or testing protocols of any examination, certification, accreditation, or credentialing body, including without limitation NREMT, CAPCE, or any state EMS licensing authority; or
encourage or assist any third party to engage in any of the foregoing.

9. Health and Safety Disclaimer; No Medical, Clinical, or Professional Advice

The Services and Site Materials are educational and test-preparation tools only. They are not, and are not intended to be, substitutes for: (a) accredited training programs leading to professional licensure or certification; (b) clinical judgment exercised by a licensed healthcare professional; (c) supervised clinical experience or hands-on skills training; (d) employer policies, local protocols, medical direction, or physician supervision; or (e) the advice of a qualified instructor, preceptor, or healthcare professional.

No Medical Advice. Nothing contained in the Services or Site Materials constitutes medical, clinical, diagnostic, therapeutic, pharmaceutical, or other professional advice, and nothing contained in the Services or Site Materials should be relied upon for the treatment, diagnosis, or care of any patient or any other person. The Services do not establish any provider-patient, instructor-student, or other professional relationship between you and Classward.

Reliance and Patient Outcomes. You agree that you will not rely upon any content provided through the Services to make any clinical, treatment, or patient-care decision, and you will not cite, invoke, attribute, or otherwise reference the Services or Site Materials as authority or justification for any clinical decision, action, or omission. Classward expressly disclaims any responsibility or liability for: (i) any patient outcome arising from any clinical decision made by any user, regardless of whether the user accessed Site Materials in connection with that decision; (ii) any allegation in any malpractice, negligence, professional misconduct, disciplinary, regulatory, criminal, or civil proceeding that the user's reliance upon or use of the Services contributed to any harm; and (iii) any reliance upon AI-Generated outputs in any clinical or patient-care context.

Compliance with Local Protocols. Local protocols, medical direction, employer policies, and applicable scope-of-practice rules govern actual procedures, interventions, and patient care. You are solely responsible for ensuring that any practice you perform complies with all applicable laws, regulations, protocols, and supervisory directives.

Continuing Education Requirements. It is solely your responsibility to confirm your specific continuing education, recertification, or licensing requirements, including which courses and credit hours will be accepted by your governing body. Classward makes no representation or warranty that CE Services will be accepted by any specific state EMS office, licensing authority, employer, accrediting body, or other organization for any particular purpose. Prior to purchasing or completing any CE course, you should review your own compliance and continuing education requirements for compatibility with CAPCE-accredited courses or any other applicable accreditation.

10. Third-Party Services and Links

The Services may contain links to, integrations with, or content from third-party websites, applications, or services ("Third-Party Services"), including without limitation payment processors, identity verification providers, AI service providers, and CAPCE. Classward does not control, endorse, or assume responsibility for Third-Party Services, their content, or their privacy or business practices. Your use of any Third-Party Service is subject to that third party's own terms and privacy policies, which we encourage you to review. Classward expressly disclaims any liability arising from your use of any Third-Party Service.

11. Notice of Claimed Copyright Infringement (DMCA)

Classward respects the intellectual property rights of others and expects users to do the same. In accordance with the Digital Millennium Copyright Act of 1998, 17 U.S.C. § 512 ("DMCA"), Classward will respond expeditiously to claims of copyright infringement committed using the Services that are reported to Classward's Designated Copyright Agent identified below. If you believe that any material on the Services infringes a copyright that you own or control, you may submit a notification to our Designated Copyright Agent containing the information required by 17 U.S.C. § 512(c)(3), including:

a physical or electronic signature of a person authorized to act on behalf of the copyright owner;
identification of the copyrighted work claimed to have been infringed;
identification of the material that is claimed to be infringing, with sufficient detail to permit us to locate it;
your contact information, including address, telephone number, and email address;
a statement that you have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law; and
a statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.

Designated Copyright Agent: Kirk H. Strohman, 1400 Executive Parkway, Suite 300, [city, state, ZIP], (541) 345-4312, info@strohmanford.com.

Misrepresentations in a DMCA notification may subject you to liability for damages under 17 U.S.C. § 512(f). Classward may, in appropriate circumstances and at our sole discretion, terminate the accounts of users who are repeat infringers.

12. Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into this Agreement by reference. By using the Services, you consent to the collection, use, disclosure, and other processing of your information as described in the Privacy Policy.

13. Disclaimer of Warranties

THE SERVICES, SITE MATERIALS, AI FEATURES, AND ANY CONTENT, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND WITHOUT ANY WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLASSWARD, ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE.

WITHOUT LIMITING THE FOREGOING, CLASSWARD MAKES NO WARRANTY THAT: (A) THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE INFORMATION, RESULTS, CONTENT, OR AI-GENERATED OUTPUTS OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, CURRENT, COMPLETE, OR RELIABLE; (D) THE SERVICES WILL BE COMPATIBLE WITH ANY PARTICULAR DEVICE, SOFTWARE, OR SYSTEM; (E) ANY DEFECT OR ERROR IN THE SERVICES WILL BE CORRECTED; OR (F) YOU WILL ACHIEVE ANY PARTICULAR SCORE, PASS ANY PARTICULAR EXAMINATION, OBTAIN ANY CERTIFICATION, SATISFY ANY CONTINUING EDUCATION REQUIREMENT, OR ACHIEVE ANY OTHER RESULT THROUGH USE OF THE SERVICES.

YOU ACKNOWLEDGE THAT YOU ASSUME SOLE RESPONSIBILITY FOR YOUR USE OF THE SERVICES AND FOR THE ACHIEVEMENT OF ANY EDUCATIONAL, EXAMINATION, CERTIFICATION, OR PROFESSIONAL GOAL, AND THAT CLASSWARD SHALL HAVE NO LIABILITY FOR YOUR FAILURE TO ACHIEVE ANY SUCH GOAL.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, CLASSWARD'S WARRANTIES SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CLASSWARD, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, LOSS OF BUSINESS OPPORTUNITY, EXAMINATION FAILURE, CERTIFICATION DENIAL, PROFESSIONAL CONSEQUENCES, EMPLOYMENT CONSEQUENCES, PATIENT OUTCOME, PERSONAL INJURY, EMOTIONAL DISTRESS, OR ANY OTHER INTANGIBLE LOSS, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, THE SERVICES, THE SITE MATERIALS, AI FEATURES, OR ANY CONTENT MADE AVAILABLE THROUGH THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT CLASSWARD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE AGGREGATE LIABILITY OF CLASSWARD, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, THE SERVICES, OR ANY RELATED CLAIM, EXCEED THE GREATER OF (A) THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO CLASSWARD IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS (US $100). THE FOREGOING LIMITATION APPLIES REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

YOU ACKNOWLEDGE THAT THE LIMITATIONS OF LIABILITY AND DISCLAIMERS OF WARRANTIES IN THIS AGREEMENT ARE ESSENTIAL ELEMENTS OF THE BARGAIN BETWEEN YOU AND CLASSWARD AND THAT THE FEES CHARGED FOR THE SERVICES WOULD BE SUBSTANTIALLY HIGHER IF CLASSWARD WERE TO BEAR ADDITIONAL RISK OF LIABILITY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. ACCORDINGLY, SOME OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, CLASSWARD'S LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

15. Indemnification

You agree to defend, indemnify, and hold harmless Classward, its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, demands, actions, proceedings, losses, damages, liabilities, judgments, settlements, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to: (a) your access to or use of the Services or Site Materials; (b) your User Content; (c) your violation of this Agreement, the Privacy Policy, the Membership Agreement, or the Refund and Cancellation Policy; (d) your violation of any law, regulation, or third-party right, including without limitation any intellectual property right, privacy right, or contractual right; (e) any clinical, professional, or care-related decision you make in connection with your use of the Services; (f) any unauthorized use of any payment method submitted under your account; or (g) any chargeback, dispute, or claim filed by you with a payment processor, bank, card issuer, or card network in violation of Section 21 of this Agreement. Classward reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, in which event you will cooperate with our defense of such matter.

16. Term and Termination

16.1 Term

This Agreement commences on the date you first accept it (whether by clicking acceptance, registering an account, purchasing a membership, or accessing the Services) and continues until terminated as provided herein.

16.2 Termination by You

You may terminate this Agreement at any time by canceling all of your Classward accounts. Cancellation procedures and the consequences of cancellation (including continued access for the remainder of any paid period) are set forth in the Refund and Cancellation Policy.

16.3 Termination by Classward

We may suspend or terminate your account, your access to the Services, and this Agreement, in whole or in part, immediately and without prior notice or liability, for any reason or no reason, including without limitation if we believe in our sole discretion that: (a) you have breached this Agreement, the Membership Agreement, the Privacy Policy, or the Refund and Cancellation Policy; (b) you have engaged in any of the prohibited conduct described in Section 8; (c) you have filed a chargeback or dispute in violation of Section 21; (d) your use of the Services creates a risk of harm or liability to Classward or any third party; (e) you have violated the academic integrity, examination security, or testing protocols of any third party; (f) you have provided false or misleading information; or (g) we are required to do so by law.

16.4 Effect of Termination

Upon termination of this Agreement: (a) your right to access and use the Services immediately ceases; (b) we may delete your account and all User Content associated with your account; (c) we may report any cessation of CE coursework to CAPCE, the NABP, the CDPH or other applicable accrediting bodies; and (d) all provisions of this Agreement that by their nature should survive termination shall survive, including without limitation Sections 6 (Intellectual Property), 7 (User Content), 9 (Health and Safety Disclaimer), 13 (Disclaimer of Warranties), 14 (Limitation of Liability), 15 (Indemnification), 16.4 (Effect of Termination), 17 (Refunds), 21 (Chargeback Obligations), 22 (Dispute Resolution and Arbitration), 23 (Governing Law and Venue), 24 (Jury Trial Waiver), and 25 (General Provisions).

17. Refunds

All refund and cancellation matters are governed by the Refund and Cancellation Policy, which is incorporated into this Agreement by reference. By purchasing any product or membership, you agree to be bound by the Refund and Cancellation Policy in effect at the time of purchase.

18. Auto-Renewing Memberships

Certain memberships, including without limitation EMTprep monthly and quarterly memberships, are sold as recurring auto-renewing subscriptions. Auto-renewal terms are governed by the Membership Agreement and Refund and Cancellation Policy. By purchasing an auto-renewing membership, you expressly authorize Classward and its payment processor to charge the payment method on file at the recurring price and recurring interval disclosed at checkout, on each renewal date, until you cancel. You may cancel auto-renewal at any time, with no penalty, through the self-service customer portal accessible from your account dashboard. Detailed auto-renewal disclosures and your acknowledgments are set forth in the Membership Agreement.

19. Electronic Communications and Notices

By creating an account or using the Services, you consent to receive electronic communications from Classward, including but not limited to administrative messages, transactional messages (such as receipts, renewal reminders, and cancellation confirmations), service notices, security alerts, support communications, and marketing or promotional messages (subject to your opt-out rights for non-transactional marketing emails). You agree that all electronic communications, agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

All notices to Classward under this Agreement must be given in writing and sent to: Classward, LLC, 33848 SE Eastgate Cir, Corvallis, OR 97333, Attention: Legal Department; with a copy by email to support@classward.com. Notices to you may be sent to the email address or postal address associated with your account, and shall be deemed given when sent.

20. Export Control, Sanctions, and Anti-Corruption

You represent and warrant that: (a) you are not located in any country subject to a U.S. government embargo or that has been designated by the U.S. government as a "terrorist supporting" country; (b) you are not listed on any U.S. government list of prohibited or restricted parties; and (c) you will not use the Services in violation of any applicable export-control, sanctions, or anti-corruption laws.

21. Chargeback and Pre-Dispute Resolution Obligations

Classward is committed to resolving billing concerns quickly and fairly. You agree that, before initiating any chargeback, payment dispute, or claim of unauthorized use with any bank, card issuer, payment processor, or card network (including Visa, Mastercard, American Express, Discover, Apple, or Google) (each, a "Chargeback"), you will first contact Classward customer support at support@classward.com and provide us with no fewer than fifteen (15) days to investigate and respond to your concern. This pre-dispute resolution obligation is a material term of this Agreement and is intended to enable Classward to address legitimate billing issues directly with you, often faster and with better outcomes than the chargeback process.

21.1 Acknowledgment

You expressly acknowledge that:

Classward provides a self-service cancellation tool, available twenty-four (24) hours a day, seven (7) days a week, accessible from your account dashboard, that allows you to cancel any auto-renewing membership immediately and without any human intervention or gatekeeping;
Classward provides a customer support email address (support@classward.com) that is monitored regularly during business days;
Classward provides a Refund and Cancellation Policy that addresses common billing concerns, including duplicate charges, accidental purchases, and good-faith refund requests;
Classward maintains records of your account activity, login history, course completions, certificate issuance, CAPCE, NABP, CDPH and other official record submissions, and other usage data, which may be provided to a card issuer, payment processor, or card network as evidence of authorized use and delivery of Services; and
Failure to use these resources before initiating a Chargeback constitutes a material breach of this Agreement.

21.2 Improper Chargebacks

A Chargeback is "Improper" if any of the following is true:

You did not first contact Classward at support@classward.com and allow at least fifteen (15) days for response before initiating the Chargeback;
The Chargeback alleges that the charge was unauthorized or fraudulent, but the account was created using your information, accessed using credentials associated with you, used to access Site Materials, or used to issue any course completion certificate or CAPCE/NABP/CDPH submission in your name or in the name of any person you authorized;
The Chargeback alleges that you did not receive the product or service, but the records of the account show that the corresponding Services were delivered (including without limitation login activity, course progress, certificate issuance, or CAPCE/NABP/CDPH submission);
The Chargeback alleges that the subscription was canceled, but Classward's records (including the records maintained by our payment processor) do not show any cancellation event prior to the disputed charge;
The Chargeback is contradicted by your prior course of dealing or your express acknowledgment of the charge; or
The Chargeback would, if successful, constitute a windfall to you in violation of the principles of restitution or unjust enrichment.

21.3 Consequences of Improper Chargebacks

If you initiate an Improper Chargeback, you agree that:

Material Breach. The Chargeback constitutes a material breach of this Agreement, entitling Classward to all available legal and equitable remedies.
Account Termination. Classward may immediately suspend or terminate your account and all of your Classward accounts, revoke access to all Services, archive or invalidate any course completion records, and notify CAPCE/NABP/CDPH or other accrediting bodies of the cessation of credit. Course completion certificates and CAPCE-reported, NABP-reported, or CDPH-reported credits associated with the disputed payment may be reversed or invalidated.
Liability for Costs. You shall be liable to Classward for: (i) the full disputed amount; (ii) all chargeback fees, processor fees, and bank fees incurred by Classward in connection with the Chargeback (typically $15-$25 per Chargeback, plus any related card-network fees); (iii) the reasonable cost of staff time to compile and submit a representment package, calculated at a rate of $75 per hour with a minimum of one hour; (iv) reasonable attorneys' fees and costs incurred in collecting any of the foregoing; and (v) interest on the foregoing at the maximum rate permitted by Oregon law from the date of the Chargeback until paid.
Bar to Future Use. Classward may permanently bar you from creating any future account on any Classward Service.
Reporting. Classward may report the Chargeback to consumer-reporting agencies, collection agencies, and merchant-fraud-prevention services to the extent permitted by law.

21.4 Evidence

In any Chargeback proceeding, you authorize Classward to disclose to the relevant bank, card issuer, payment processor, or card network the following information for the purpose of demonstrating authorized use and delivery of Services: account creation date and IP address; ToS, Privacy Policy, and Membership Agreement versions accepted (with timestamp and IP address); login history; activity logs; course progress and completion records; certificate-issuance records; CAPCE/NABP/CDPH submission records; payment history; cancellation activity (or absence thereof); and email correspondence between you and Classward. You consent to such disclosure as a necessary incident of the Chargeback process and waive any privacy claim arising from such disclosure.

22. Mandatory Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND CLASSWARD TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, EXCEPT AS PROVIDED BELOW. IT ALSO LIMITS THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE. YOU HAVE THE RIGHT TO OPT OUT OF THIS ARBITRATION PROVISION BY FOLLOWING THE PROCEDURE IN SECTION 22.9.

22.1 Agreement to Arbitrate

You and Classward agree that any dispute, claim, or controversy arising out of or relating to this Agreement, the Services, the Site Materials, the Privacy Policy, the Membership Agreement, the Refund and Cancellation Policy, your account, any purchase or attempted purchase, or any other relationship between you and Classward (each, a "Dispute") shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (the "AAA Consumer Rules"), as modified by this Agreement, except as provided in Sections 22.6, 22.7, and 22.9.

22.2 Informal Dispute Resolution

Before initiating any arbitration, you and Classward agree to first attempt to resolve any Dispute informally. If you have a Dispute, you must send a written "Notice of Dispute" to Classward at the address in Section 19, with a copy to support@classward.com, that includes: (a) your name, account email, and contact information; (b) a description of the Dispute, including the relevant facts, dates, and documents; and (c) the relief you are seeking. Classward will send any Notice of Dispute to you at the email or postal address associated with your account. The party initiating the Dispute must engage in a good-faith negotiation process for a period of sixty (60) days following receipt of the Notice of Dispute, including a telephonic or video meeting upon reasonable request, before commencing any arbitration. Compliance with this Section 22.2 is a condition precedent to commencing arbitration, and any statute of limitations or fee deadline shall be tolled during the 60-day informal-dispute-resolution period.

22.3 Arbitration Procedure

To begin arbitration after the informal-dispute-resolution period, you must follow the procedure set forth in the AAA Consumer Rules. The arbitration will be conducted by a single neutral arbitrator selected in accordance with the AAA Consumer Rules. The arbitration will be conducted in English. If the value of the relief sought is $25,000 or less, the arbitration will be conducted by telephone or videoconference, on the basis of written submissions, unless either party requests an in-person hearing. Any in-person hearing will be held in Lane County, Oregon, or such other location as the parties agree. The arbitrator's decision will follow this Agreement and will be final and binding, except for a limited right of review under the Federal Arbitration Act. Judgment on the arbitrator's award may be entered in any court of competent jurisdiction.

22.4 Arbitration Fees

Arbitration fees and costs will be allocated in accordance with the AAA Consumer Rules. Classward will pay any portion of the AAA filing, administrative, and arbitrator fees that exceeds the fees you would have paid to file the same claim in a state or federal court of general jurisdiction in Oregon. Each party will bear its own attorneys' fees and costs except as otherwise provided by law or by an order of the arbitrator.

22.5 Class Action Waiver

YOU AND CLASSWARD AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE PROCEEDING (INCLUDING WITHOUT LIMITATION ANY PRIVATE ATTORNEY GENERAL ACTION, EXCEPT AS REQUIRED BY APPLICABLE NON-WAIVABLE LAW). UNLESS BOTH YOU AND CLASSWARD AGREE OTHERWISE IN A SIGNED WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S CLAIMS, AND MAY NOT PRESIDE OVER ANY FORM OF CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF WARRANTED BY THAT PARTY'S INDIVIDUAL CLAIM.

22.6 Mass Arbitration Protocol

If, at any time, twenty-five (25) or more similar claims are filed or threatened to be filed against Classward by or with the assistance, coordination, or representation of the same law firm, group of coordinated law firms, organization, or coordinated group of claimants (a "Coordinated Filing"), then the following protocol shall apply, notwithstanding any contrary provision of the AAA Consumer Rules:

Bellwether Procedure. The first ten (10) claims (selected five (5) by claimants' counsel and five (5) by Classward) shall be designated as "bellwether" arbitrations and shall proceed individually. The remaining claims shall be stayed, and any applicable statute of limitations or fee deadline for the stayed claims shall be tolled, until the bellwether arbitrations are concluded.
Mediation Following Bellwethers. Following the conclusion of the bellwether arbitrations, the parties shall participate in a single global mediation, lasting no fewer than one (1) full day, before a mediator mutually agreed upon (or, if the parties cannot agree, appointed by AAA) to attempt to resolve all remaining claims.
Sequenced Filing Fees. Classward's obligation to pay AAA filing fees for stayed claims shall not arise until the conclusion of the bellwether process and the global mediation. If the global mediation does not result in a global resolution, the parties shall confer in good faith on a process for the orderly arbitration of the remaining claims, including procedures for sequencing claims and for further bellwether or mediation phases.
Severability. If any portion of this Section 22.6 is found unenforceable by a court or arbitrator, the remainder shall remain in full force and effect, and the unenforceable portion shall be reformed to the minimum extent necessary to render it enforceable.

22.7 Exceptions to Arbitration

Notwithstanding the foregoing, the following Disputes are not subject to mandatory arbitration: (a) any Dispute that may be brought in a small-claims court located in your county of residence or in Lane County, Oregon, so long as the Dispute remains in small-claims court and is brought only on an individual (non-class, non-representative) basis; (b) any Dispute concerning the validity, infringement, or enforcement of either party's intellectual property rights; (c) any application by either party for emergency injunctive or equitable relief to prevent or stop irreparable harm pending arbitration; and (d) any Dispute that, by applicable non-waivable law, cannot be subject to mandatory pre-dispute arbitration.

22.8 Severability of Arbitration Provisions

If any portion of this Section 22 is found unenforceable, that portion shall be severed and the remainder of this Section 22 shall remain in full force and effect; provided, however, that if the Class Action Waiver in Section 22.5 is found unenforceable as to any particular claim or remedy (other than in a small-claims action permitted by Section 22.7), then that claim or remedy (and only that claim or remedy) shall be severed from arbitration and brought in court, and the remainder of Section 22 shall remain in full force and effect with respect to all other claims and remedies.

22.9 30-Day Right to Opt Out

You have the right to opt out of this Section 22 ("Mandatory Binding Arbitration; Class Action Waiver") by sending written notice of your decision to opt out to Classward at the following address: Classward, LLC, 33848 SE Eastgate Cir, Corvallis, OR 97333, Attention: Arbitration Opt-Out, and by sending a copy of the notice by email to support@classward.com, in each case with the subject line or first line stating "Arbitration Opt-Out." The notice must include: (a) your full legal name; (b) the email address associated with your account; (c) your postal address; (d) the date you first accepted this Agreement (or, if unknown, your best estimate); and (e) a clear statement that you wish to opt out of the arbitration provision in Section 22 of the Classward Terms and Conditions. Your notice must be postmarked and emailed no later than thirty (30) days after the date you first accepted this Agreement (or, for users who accepted a prior version of these Terms before May 21st, 2026, no later than thirty (30) days after the date you first accepted this Agreement. A timely and complete opt-out will exempt you from Section 22 only; all other provisions of this Agreement, including the Class Action Waiver in Section 22.5, the venue and jury-trial provisions in Sections 23 and 24, and all other terms, will continue to apply, except that disputes that would otherwise have been arbitrated will instead be litigated in the courts identified in Section 23. Opting out of arbitration will not affect any other agreement you have with Classward or any account or service in any way.

23. Governing Law and Venue

This Agreement and any Dispute arising out of or relating to this Agreement, the Services, or your relationship with Classward shall be governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict-of-laws principles. The Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of Section 22. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement.

For any Dispute that is not subject to arbitration under Section 22 (whether because it falls within an exception, because you have validly opted out, or for any other reason), or for any action to compel arbitration or enforce an arbitration award, the parties agree that the exclusive venue and jurisdiction shall be the state and federal courts located in Lane County, Oregon, and you and Classward consent to the personal jurisdiction of such courts and waive any objection based on inconvenient forum.

24. Jury Trial Waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND CLASSWARD IRREVOCABLY WAIVE ANY AND ALL RIGHT TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE SERVICES, OR YOUR RELATIONSHIP WITH CLASSWARD. THIS WAIVER APPLIES TO ANY DISPUTE THAT IS NOT SUBJECT TO ARBITRATION UNDER SECTION 22, INCLUDING WITHOUT LIMITATION DISPUTES BROUGHT IN SMALL-CLAIMS COURT (WHERE JURY TRIALS ARE TYPICALLY NOT AVAILABLE IN ANY EVENT) AND DISPUTES BROUGHT IN ANY COURT FOLLOWING AN OPT-OUT UNDER SECTION 22.9 OR A FINDING THAT SECTION 22 IS UNENFORCEABLE AS TO A PARTICULAR CLAIM.

25. General Provisions

25.1 Entire Agreement

This Agreement, together with the Privacy Policy, the Membership Agreement, and the Refund and Cancellation Policy, constitutes the entire agreement between you and Classward concerning the Services and supersedes all prior or contemporaneous agreements, understandings, representations, and communications, whether written or oral, on the subject matter hereof.

25.2 Severability

If any provision of this Agreement is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be severed and the remaining provisions shall remain in full force and effect, and the unenforceable provision shall be reformed to the minimum extent necessary to render it enforceable while preserving the original intent of the parties to the maximum extent permitted by applicable law.

25.3 No Waiver

No failure or delay by either party to exercise any right or remedy under this Agreement shall constitute a waiver of that right or remedy. No single or partial exercise of any right or remedy shall preclude any other or further exercise of that right or remedy or the exercise of any other right or remedy. Any waiver must be in writing and signed by the waiving party.

25.4 Assignment

You may not assign or transfer this Agreement, by operation of law or otherwise, without Classward's prior written consent. Any attempted assignment or transfer in violation of this Section is null and void. Classward may freely assign or transfer this Agreement, in whole or in part, without notice or consent, including in connection with any merger, acquisition, sale of assets, reorganization, or by operation of law. This Agreement is binding on and inures to the benefit of the parties and their permitted successors and assigns.

25.5 Force Majeure

Classward shall not be liable for any failure or delay in performance arising from causes beyond its reasonable control, including without limitation acts of God, natural disasters, pandemics, fires, floods, earthquakes, civil unrest, war, terrorism, governmental actions, labor disturbances, internet or telecommunications failures, denial-of-service attacks, or third-party service provider failures.

25.6 No Third-Party Beneficiaries

Except as expressly provided in Section 5.2 with respect to Apple, this Agreement is for the sole benefit of you and Classward and confers no rights upon any third party.

25.7 Relationship of the Parties

Nothing in this Agreement creates any partnership, joint venture, agency, franchise, sales-representative, or employment relationship between you and Classward. You have no authority to bind Classward in any way.

25.8 Headings; Construction

Section headings are for convenience only and shall not affect the construction or interpretation of this Agreement. The words "include," "includes," and "including" shall be construed as if followed by the words "without limitation." Each party acknowledges that it has had the opportunity to consult with counsel of its choice and that any ambiguity in this Agreement shall not be construed against either party.

25.9 Governmental Use

If you are accessing the Services on behalf of any United States government entity, the Services are "Commercial Items" as that term is defined at 48 C.F.R. § 2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation" as such terms are used in 48 C.F.R. § 12.212. Use, duplication, or disclosure by the U.S. government is subject to the restrictions set forth in this Agreement.

26. Contact Information

General Inquiries and Customer Support: support@classward.com

Notices, Legal, and Service of Process: Classward, LLC, 33848 SE Eastgate Cir, Corvallis, OR 97333, Attention: Legal Department

Designated Copyright Agent (DMCA): Kirk H. Strohman, 1400 Executive Parkway, Suite 300, [city, state, ZIP], (541) 345-4312, info@strohmanford.com

Arbitration Opt-Out: support@classward.com (with mailed copy to address above, Attn: Arbitration Opt-Out)

Privacy Officer: support@classward.com (with mailed copy to address above, Attn: Privacy Officer)

By accepting this Agreement, you acknowledge that you have read, understood, and agree to be bound by all of its terms, including the Mandatory Binding Arbitration and Class Action Waiver in Section 22 unless you opt out as provided therein.

REFUND AND CANCELLATION POLICY

Classward, LLC | Effective Date: May 21st, 2026

This Refund and Cancellation Policy ("Policy") governs the cancellation of memberships and refund eligibility for purchases of products and services (collectively, "Memberships") sold by Classward, LLC ("Classward," "we," "us," or "our") through any Classward brand or property, including EMTprep, EMT-CE, PharmRenew, PharmTechReview, PhlebCE, PhlebReview, CPRreview, MArenew, CMAreview, and EKGce (each, a "Service"). This Policy is incorporated into, and forms part of, the Terms and Conditions Agreement and the Membership Agreement. Capitalized terms used but not defined in this Policy have the meanings given to them in the Terms and Conditions or Membership Agreement.

By purchasing any Membership, you agree to be bound by this Policy in the form effective at the time of your purchase.

1. How to Cancel

1.1 Self-Service Cancellation of Auto-Renewing Memberships

Auto-Renewing Memberships (such as EMTprep monthly and quarterly subscriptions) can be canceled at any time through the self-service customer portal accessible from your account dashboard. To cancel:

1. Log in to your account on the applicable Service.

2. Locate the "Manage Subscription" link on your dashboard.

3. Click the link to open the secure customer portal (powered by Stripe).

4. Select "Cancel Subscription" and confirm.

Cancellation through the customer portal is available twenty-four (24) hours a day, seven (7) days a week, takes effect immediately on auto-renewal, and requires no human intervention or gatekeeping. Upon cancellation, you will receive an email confirmation, and your account dashboard will reflect that auto-renewal has been turned off and that your access continues through the end of the then-current billing period.

1.2 Cancellation by Email

You may also cancel an Auto-Renewing Membership by emailing support@classward.com from the email address associated with your account, with the subject line "Cancel Subscription." Email cancellations are processed during business hours and may not be effective immediately upon receipt. We strongly recommend the self-service portal because it provides immediate, dated, automatically logged confirmation.

1.3 In-App Purchase Cancellation

Auto-Renewing Memberships purchased through the Apple App Store or Google Play Store cannot be canceled by Classward; they must be canceled through your Apple ID or Google account subscription settings. Please refer to Apple's or Google's instructions for managing in-app subscriptions.

1.4 Effect of Cancellation

Upon timely cancellation of an Auto-Renewing Membership:

• Your auto-renewal is immediately turned off, and you will not be charged on the next renewal date.

• You retain access to the Service through the end of the billing period for which you have already paid. For example, if you cancel a monthly Membership on the 10th and your billing date is the 20th, you will retain access through the 20th.

• Cancellation alone does not entitle you to a refund of amounts already paid. Refund eligibility is governed by Section 2 of this Policy.

• Your account remains active for record-keeping purposes (including without limitation CAPCE compliance, completion certificates, and other regulatory records) unless you affirmatively request account deletion as described in the Privacy Policy.

1.5 No Cancellation of One-Time Purchase Memberships

One-Time Purchase Memberships (such as EMT-CE recertification packages and individual courses on PharmRenew, PharmTechReview, PhlebCE, PhlebReview, CPRreview, MArenew, CMAreview, and EKGce) do not auto-renew, and therefore there is nothing to "cancel." Refund eligibility for One-Time Purchase Memberships is governed by Section 2 of this Policy.

2. Refund Eligibility

Classward applies the following refund framework. Specific eligibility depends on the type of Membership, time elapsed since purchase, level of usage, and (for CE products) whether any CAPCE submission has occurred.

2.1 Refund Window for Auto-Renewing Memberships

(a) Initial Purchase or Most Recent Renewal — Within 7 Days, Minimal Usage

If you request a refund within seven (7) days of an initial purchase or of the most recent auto-renewal charge, and your usage of the Service in the relevant billing period has been minimal (defined as: no more than one (1) login session, no completed course modules or practice examinations, and no certificates issued), Classward will issue a full refund of the disputed charge to the original payment method, and your access to the Service will end as of the refund date.

(b) Within 30 Days, Pro-Rated Refund Where Eligible

If you request a refund between eight (8) and thirty (30) days after an initial purchase or most recent auto-renewal charge, and you have used the Service beyond minimal usage but have not exhausted its principal benefit (e.g., have not completed a CAPCE-reported course, generated a certificate, or completed a substantial portion of practice content), Classward may, in its discretion, issue a pro-rated refund based on the time elapsed and the value of any features used. A pro-rated refund is not guaranteed and is evaluated on a case-by-case basis.

(c) After 30 Days

Refunds are not generally available more than thirty (30) days after the charge in question. You may, however, cancel your Membership at any time as described in Section 1 to prevent further auto-renewal charges.

2.2 Refund Window for One-Time Purchase Memberships (CE and Course Bundles)

(a) Within 7 Days, No Course Activated

If you request a refund within seven (7) days of purchase and you have not activated, started, or completed any course or course module within the purchased package, Classward will issue a full refund.

(b) Partial Refund After Limited Course Activation

If you have activated, started, or completed a portion of the purchased package but have not exhausted its principal benefit, Classward may, in its discretion, issue a pro-rated refund equal to the purchase price minus the published list price of the activated, started, or completed courses. For example, if you purchased a recertification package for $199 and have completed two (2) self-paced courses with a published price of $8 each, a pro-rated refund of $199 − $16 = $183 may be available, subject to the further conditions of this Section 2.2.

(c) No Refund After CAPCE Reporting

Once a course completion has been reported to CAPCE, the corresponding credit is deemed delivered and is not eligible for refund. This is a fundamental and irrevocable consequence of accredited continuing education. Once CAPCE has received the report, the credit is associated with your continuing education record at CAPCE and the National Registry, where Classward has no authority to revoke or reverse it.

(d) After 30 Days

Refunds are not generally available more than thirty (30) days after the date of purchase, except as provided in Section 2.4 below.

2.3 Duplicate Charges

If you believe you have been charged twice for the same Membership in a single transaction or on the same calendar day, please contact support@classward.com promptly. Upon verification, Classward will refund the duplicate charge to the original payment method. Duplicate charges should be raised with Classward by email and not through the chargeback process. Most duplicate-charge issues are resolved within a few business days. Initiating a chargeback for a duplicate charge that could have been resolved by email may be deemed an Improper Chargeback under Section 21 of the Terms and Conditions, with the consequences set forth therein.

2.4 Discretionary Refunds

Classward may, in its sole and absolute discretion, issue refunds outside the timeframes, conditions, or amounts described in this Policy as a one-time goodwill gesture. Any such discretionary refund: (a) shall be non-precedential and shall not constitute a waiver, modification, or amendment of this Policy; (b) shall not give rise to any right or expectation of similar treatment in the future or by any other Member; and (c) shall not constitute an admission of liability, fault, or any failure to deliver the Services. Classward expressly reserves the right to decline any refund request that is not within the express criteria of this Policy.

3. Pre-Dispute Resolution Obligation

Before initiating any chargeback, payment dispute, or claim of unauthorized use with any bank, card issuer, payment processor, or card network, you must first contact Classward customer support at support@classward.com and provide us with at least fifteen (15) days to investigate and respond to your concern. This pre-dispute obligation is a material term of the Terms and Conditions (see Section 21 thereof) and is intended to enable Classward to resolve legitimate billing concerns directly with you, often faster and with better outcomes than the chargeback process.

If you skip this step and initiate a chargeback for a matter that could have been resolved by contacting customer support, the chargeback may be deemed an Improper Chargeback under Section 21 of the Terms and Conditions. The consequences of an Improper Chargeback include: immediate account termination, archival or invalidation of course completion records, notification to CAPCE of cessation of credit, liability for chargeback fees and reasonable representment costs, and a permanent bar from creating future accounts on any Classward Service.

4. How to Request a Refund

To request a refund within the windows described in Section 2:

Send an email to support@classward.com from the email address associated with your account.
Use the subject line "Refund Request" followed by the brand of the Service and the order or charge identifier (for example, "Refund Request — PhlebCE — Order #12345").
Include in the body: (a) the date and amount of the charge; (b) the reason for your request; and (c) any relevant information about your usage of the Service.
Allow up to five (5) business days for review and response. We may request additional information to verify identity, account ownership, or eligibility.

Approved refunds are processed to the original payment method. Depending on your card issuer, the refund may take an additional five (5) to ten (10) business days to appear on your statement after Classward has issued it.

5. Refunds for Apple App Store and Google Play Purchases

Classward is not the merchant of record for In-App Purchases made through the Apple App Store or Google Play Store and cannot directly issue refunds for those purchases. Refund requests for In-App Purchase subscriptions or one-time purchases must be submitted directly to Apple or Google through their respective support channels.

• Apple App Store: Visit reportaproblem.apple.com or contact Apple Support to request a refund.

• Google Play: Visit play.google.com/store/account/subscriptions or contact Google Play Support to request a refund.

If Apple or Google denies your refund request, you may contact support@classward.com to discuss whether a discretionary refund or account credit may be available, but Classward is not obligated to issue refunds for In-App Purchases under this Policy.

6. Special Circumstances

6.1 Death or Long-Term Incapacity

In the event of a Member's death or documented long-term incapacity, Classward will work in good faith with a duly authorized representative of the Member to cancel any Auto-Renewing Membership and, where appropriate, to issue a pro-rated refund for any remaining unused portion of a paid period. Classward may require reasonable documentation, including a death certificate or court order establishing authority.

6.2 Service Discontinuation

If Classward discontinues a Service in its entirety in a manner that materially deprives you of the benefit of an active paid Membership, Classward will, at its option, either: (a) provide a substantially equivalent replacement Service; or (b) issue a pro-rated refund for the unused portion of the affected Membership. This Section 6.2 does not apply to routine modifications, suspensions, or discontinuations of individual features or content within a Service.

6.3 Confirmed Identity Fraud

If you believe a Membership was purchased without your authorization through identity fraud (i.e., the use of your personal or payment information by a third party without your consent and not by anyone authorized by you to use such information), please contact support@classward.com immediately so that we can investigate. Confirmed identity fraud, supported by documentation reasonably acceptable to Classward, will result in a full refund of unauthorized charges, account closure, and (where applicable) reporting to applicable accrediting bodies of the cessation of any credit issued under the fraudulent account.

7. No Stacking of Remedies

If Classward issues you a refund for any charge, in whole or in part, you agree not to also pursue, and you waive your right to pursue, any chargeback, claim of unauthorized use, or other dispute with any bank, card issuer, payment processor, or card network for the same charge. Pursuing duplicate remedies for the same charge constitutes an Improper Chargeback and a material breach of the Terms and Conditions.

8. Changes to This Policy

Classward may modify this Policy from time to time in accordance with Section 2 of the Terms and Conditions. Material changes will be notified to active Members by email at least thirty (30) days in advance and posted on the applicable Service with an updated effective date. Your purchase or maintenance of a Membership after the effective date of any modification constitutes your acceptance of the modified Policy. The Policy applicable to a particular charge is the version in effect at the time the charge was made.

9. Contact

Refund Requests and Customer Support: support@classward.com

Mailing Address: Classward, LLC, 33848 SE Eastgate Cir, Corvallis, OR 97333