Posted: May 01, 2020

Effective: January 01, 2020

The following Terms and Conditions govern the relationship between you and e5-portfolio Sàrl and its affiliates regarding your use of and access to our website, and our products and services. Like e5-portfolio

Sàrl (hereinafter “e5”, “we”, “us” or “our”) may update the Terms and Conditions from time to time, and you are responsible for reviewing the most current version.

By accessing our website, you acknowledge that you have read, understand and agree to be bound by all the Terms and Conditions herein.

TERMS OF USE AND DISCLAIMERS

e5 must set forth this legal statement as it is important to know. We have taken every effort to ensure we accurately represent our products and

services, and their potential to help you. However, we do not support this as a “magic bullet” and by law we cannot guarantee that you will achieve

any results or earn any money from our products or services.

Your level of success in attaining results is dependent upon a number of factors including but not limited to your knowledge, ability, and dedication. Because these factors differ according to individuals, e5 cannot

guarantee your success or ability to achieve results or earn revenue. You alone are responsible for your actions and results in life and business.

As required by law, e5 can make no guarantees that you will achieve any results from our ideas or models presented in our products and services, and we do not offer professional, legal or financial advice. Our

only guarantee is that you will be satisfied with the quality of our programs.

Under no circumstances will the creators of or experts represented in e5’s programmes be held liable to any party for any direct, indirect, punitive,

special, incidental or other consequential damages arising directly or indirectly from any use of our materials. We are not responsible for your actions, or the information or actions of any third party that may be

part of the contents or promotions of our products and services.

USE OF INFORMATION

You agree that e5-portfolio is free to use any comments, information, photos, videos or ideas contained in any communication you may send to e5-portfolio or submit to the site without notice, compensation or

acknowledgment to you for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products and services and creating, modifying, or improving the site or other products

or services.

PARTICIPATION DISCLAIMER/USE RESTRICTIONS

e5-portfolio does not and cannot review all communications and materials posted to or created by users accessing the site, and is not in any manner responsible for the content of these communications and

materials. You acknowledge that by providing you with the ability to view and distribute user-generated content on the site, e5-portfolio is merely acting as a passive conduit for such distribution and is not undertaking

any obligation or liability relating to any user-generated content or activities on the site. You may not post or otherwise distribute content to the site which e5-portfolio in its sole discretion determines to be

abusive, harassing, threatening, defamatory, obscene, an impersonation of others, fraudulent, deceptive, misleading, in violation of a copyright, trademark or another intellectual property right of another, invasive

of privacy or publicity rights, in violation of any other right of e5-portfolio or another party, illegal, or otherwise objectionable to e5-portfolio. You may not upload commercial content on the site or use the site to

solicit others to join or become members of any other commercial online service or other organization.

Any communication or material you transmit to the site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and non-proprietary.

Anything you transmit or post may be used by e5-portfolio or its affiliates for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore,

e5-portfolio is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the site for any purpose whatsoever, including but not limited to developing, manufacturing,

and marketing products using such information.

FORWARD-LOOKING STATEMENTS

e5’s products and services are for educational use only and we make no representation or warranties with respect to the accuracy, applicability, or

completeness of its contents. Any forward-looking statements outlined in our promotions are simply our opinions, estimates, expectations or forecasts for future potential, and thus are not guarantees or promises

for actual performance.

COPYRIGHT AND INTELLECTUAL PROPERTY

We respect the intellectual property of others and we ask that you do the same. As user and customer, you agree that all materials provided on our website, and in our products and services are proprietary to e5,

and cannot be used, disclosed or duplicated. No unauthorized copying, adaptation, distribution or display is permitted.

PAYMENT

Payment must be made in full before membership can be triggered. Refunds are not possible.

MISCELLANEOUS

When you participate at one of our live events you acknowledge that there might be photography and videography, and that e5 representatives might ask for, or attain a testimonial(s) from you, and you agree to

the free use of images and videos of you at our discretion for marketing and promotional purposes, including use on our website.

By accessing, enrolling and participating in our products and services you agree not to hold e5, a company founded and existing under the laws of Switzerland, with its head office located at Espace 5, rte st julien

40, 1227 Carouge, Geneva, liable for your results or actions. You also agree to let us know if you are unhappy with our products and services so that we can address your concerns.

e5-TERMS, CONDITIONS & PRIVACY POLICY 1

LIMITATIONS ON WARRANTY; DISCLAIMER OF WARRANTIES

This Limited Warranty is provided by SELLER, and it contains the only express warranty provided to BUYER by SELLER. SELLER does not authorize any other person, including distributors, to give any other warranties

on SELLER's behalf.

SELLER DISCLAIMS ANY EXPRESS WARRANTY NOT PROVIDED HEREIN AND ANY IMPLIED WARRANTY, GUARANTY OR REPRESENTATION AS TO PERFORMANCE, QUALITY AND ABSENCE OF HIDDEN

DEFECTS, AND ANY REMEDY FOR BREACH OF CONTRACT, WHICH BUT FOR THIS PROVISION, MIGHT ARISE BY IMPLICATION, OPERATION OF LAW, CUSTOM OF TRADE OR COURSE OF DEALING,

INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Implied warranties in jurisdictions where they may not be disclaimed shall be in effect only for the duration of the express warranty set forth herein.

If BUYER has a claim under this Limited Warranty or under any implied warranties provided to BUYER by state law, BUYER may not file a court action based on that claim any later than one (1) year after BUYER’s

right to file a court action accrues. In those states which do not allow this limitation on the time period for filing a court action, this provision is inapplicable.

e5-PORTFOLIO SÂRL LIMITATION OF LIABILITY

e5-portfolio Sârl liability with respect to the services sold to its members shall be limited to the warranty provided herein. e5-portfolio Sârl SHALL NOT BE SUBJECT TO ANY OTHER OBLIGATIONS OR LIABILITIES,

WHETHER ARISING OUT OF BREACH OF CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY) OR OTHER THEORIES OF LAW, WITH RESPECT TO SERVICES SOLD OR

SERVICES RENDERED BY e5-portfolio Sârl , OR ANY UNDERTAKING, ACTS OR OMISSIONS RELATING THERETO.

Without limiting the foregoing, e5-portfolio Sârl SPECIFICALLY DISCLAIMS ANY LIABILITY FOR PROPERTY OR PERSONAL INJURY DAMAGES, PENALTIES, SPECIAL OR PUNITIVE DAMAGES, DAMAGES FOR

LOST PROFITS OR REVENUES, SERVICES, DOWN TIME, SHUT DOWN OR SLOW DOWN COSTS, OR FOR ANY OTHER TYPES OF ECONOMIC LOSS, AND FOR CLAIMS OF BUYER’S CUSTOMERS OR ANY

THIRD PARTY FOR ANY SUCH DAMAGES. e5-portfolio Sârl SHALL NOT BE LIABLE FOR AND DISCLAIMS ALL CONSEQUENTIAL, INCIDENTAL AND CONTINGENT DAMAGES WHATSOEVER. e5-portfolio Sârl

TOTAL LIABILITY ARISING IN CONNECTION WITH THE SERV SHALL BE LIMITED TO THE VALUE OF THE PRODUCT SOLD TO BUYER.

MISCELLANEOUS

PRIVACY POLICY (GDPR Compliant)

This Privacy Policy (hereinafter “policy”) explains how e5-portfolio Sârl (hereinafter “we”) collects and uses your personal data.

Your personal information

We may use your data for the following:

To analyse our website’s user traffic to improve the user experience.

To respond to your questions if you contacted us.

Share information in relation to our products including newsletters, promotions, company updates which we believe might be of interest to you. At the bottom of every e-mail newsletter we provide the possibility

to opt out at any moment.

To comply with any legal matters required.

How do we share data?

We do not share your personal information with 3rd parties unless this is indicated when we collect information from you or if any other entity requires us to do so for compliance purposes to protect the rights,

property or safety of our employees if permitted or required by law.

DATA MAINTENANCE

We will keep your data if we believe necessary to provide you with the best service and to comply with the company’s legal obligations. In addition, we keep your communications preferences on a database for

marketing emails. Your contact details will only be erased if requested by you, for example by unsubscribing from our email newsletter. We are committed to keeping your personal data secure.

3rd party sites

Our website contains content and/or links to other websites operated by third parties. We do not have control over these 3rd party websites and therefore this privacy policy does not apply to them. Please view

their terms and conditions and their privacy policy to learn how those 3rd party websites collect and use your information.

Your rights

You can at any time request a) a copy of the data we hold by sending us a written letter b) that we delete/correct your data or c) that we unsubscribe you from our communication contact list. For any other questions

please contact us at contact@e5-portfolio.com

Amendments

Any updates to the policy will be available on our website. Please check our terms & conditions regularly to make sure that you are aware of any changes.

REGISTRATION

When registering for our services if we consider further security control is needed.

WAIVER OF LIABILITY FOR THIRD PARTY SITES

The website www.w5-portfolio.com may contain hyperlinks to other websites beyond our control. We cannot be held responsible for content or privacy policies of such other sites. BMS Group Sàrl hereby expressly

declares that it has no influence whatsoever on the creation and/or content of the pages referred to in the links. In addition BMS Group Sàrl cannot be held responsible for any damage caused from using the

site or for that matter not being able to use the site. These linked sites are only for your convenience and therefore you access them at your own risk.

INTELLECTUAL PROPERTY RIGHTS

Our trademarks include the e5-portfolio Sârl name and its logo, which have been registered worldwide. All information published on the website. e5-portfolio Sârl (including domain name, trademark, text, logo,

graphics, photos, design...) is protected by intellectual property rights. Use of this content in any form and for any purpose is prohibited without prior written consent of BMS Group Sàrl.

COOKIES

Cookies help us to improve our website and provide a better surfing experience for the users. Specifically, they enable us to:

Store information about your preferences and to personalize our website in accordance with your specific interests.

Remind you of the products that you have previously selected and placed in your Shopping Bag.

Speed up your searches.

Recognize the computer when the User returns to our website.

Collect data concerning the traffic and interaction of Users on our website so as to identify tendencies and for statistical purposes.

You can set your browser to notify you when a cookie is to be activated. This enables you to reject usage of this cookie or to tell your browser to erase the cookie at the end of your visit. However, the online shop

cannot be used if you do not allow cookies.

VIOLATION OF RULES

e5-portfolio Sârl reserves the right to seek legal actions for violations of our Terms and Conditions, including the right to block access to the website.

Individuals violating the restriction of password -protected areas of the site may be subject to prosecution.

GOVERNING LAW

All clauses set out in these general T&C of sale, as well as the purchase and sale transactions referred to herein, shall be governed by Swiss law. The relevant courts shall have jurisdiction.

The laws of your country may be different from the laws in Switzerland and there may be additional legal requirements for you to use this website. You must comply with all applicable local and international laws

and regulations regarding your use of our www.e5-portfolio.com website.

COMPANY DATA

e5-portfolio Sârl , Route st. Julien 40, 1224 Carouge, Geneva Switzerland

E-mail: contact@e5-portfolio.com/ Tel. 0041 79 654 34 51

Website www.e5-portfolio.com

Registration number: CH-550-1123729-7 / IDE: CHE-162.759.407

AMENDMENTS AND UPDATES TO THE TERMS AND CONDITIONS

T&C may be, unilaterally amended by e5-portfolio Sârl The new T&C will be effective as of their date of publication on www.e5-portfolio.com

© e5-portfolio Sârl . All rights reserved.

April 23, 2020

Stephen Preece

Founder e-5 portfolio Sârl

http://e5-portfolio.com

e5-TERMS, CONDITIONS & PRIVACY POLICY 2

PLEASE READ THIS DOCUMENT CAREFULLY.

THIS PRIVACY POLICY

Applies to the e5-portfolio Sàrl websites and related subdomains, mobile applications, and media.

We respect your privacy and are committed to maintaining and using any information we collect through your use of the website responsibly.

This Privacy Policy addresses our use and disclosure of the information we collect from you.

Please read this Privacy Policy carefully prior to accessing or using our website or our services. If you have any questions, please contact as at:

contact@e5-portfolio.com

THE INFORMATION WE MAY COLLECT

Our primary purpose in collecting information from or about you is to provide you with a safe, smooth, efficient, and customized experience. Depending on the manner in which you access our website or our

services, we collect information about you that we deem necessary for providing services and features that optimize, secure, and ease your user experience.

Personal Information: e5-portfolio may collect and process information that could be directly associated with you, without the aid of additional information; information such as your full name, your school name

where applicable, user name and password, phone number, email address, billing or mailing address, or credit/debit card information. You can choose not to provide us with certain information, but that may result

in you being unable to use certain features of our website because such information may be required in order for you to register for an account; purchase products or services; participate in a contest, promotion,

survey, ask a question; or initiate other transactions on our website.

Payment Information:* *For the purposes of billing e5-portfolio Sàrl subscription fees and e5-portfolio Sàrl powered course enrollment fees that are processed through e5-portfolio Online’s payment gateways,

we may request your credit card and certain contact information, such as a billing address. We retain credit card information internally for the purpose of all payment processing related to our services.

PAYMENT

The clients payment of the registration fee registers the participant for the activity. The membership is triggered when the client has made a 30% minimum downpayment on a session.

Payment represents the clients acceptance of these terms and conditions. This automatically entitles the participant to be members of e5-portfolio.

Third Party Payment Processors:* *Payments processed via Custom Payment Gateways by third parties like PayPal and Stripe are subject to the terms of use and privacy policies of those payment gateways and are

not accessible or controlled by e5-portfolio. For payments processed via e5-portfolio and Custom Payment Gateways, we receive information related to the payment status of your account; this information

includes, but is not limited to, your payment card type and last four digits, postal code, country of origin, and payment expiration date. For additional information, we recommend that you review the payment

processor’s Privacy Policy.

CANCELLATION

e5-portfolio reserves the right to postpone or cancel any activity, combine groups or change locations where the activities take place. In the case of cancellation of a workshop e5-portfolio will undertake to offer

clients their choice of an alternative e5-portfolio workshop or fully refund any monies paid.

No refund will be made for any reason once a membership has started. However, cancellations will be reimbursed at the following rates

a. up to 30 days before the session begins 70% of the full cost of the activity.

b. 30 days and less before the activity begins 50% of the full cost of the activity.

No re-reimbursements are made for late arrivals or early departures, regardless of the reasons.

BEHAVIOUR

e5-portfolio reserves the right to exclude a client, with communication of the motives. In case of exclusion the cost of the session will be re-reimbursed at the pro-rata of the unattended portion of the activity.

The client also accepts responsibility for:

a. damage caused, whether willful or not, to facilities, equipment, clothing or anything else belonging to or leased by e5-portfolio

b. Repatriation expenses for any participant having to be sent home or to a designated place, due to illness, accident, misbehavior or any other reason deemed valid by e5-portfolio

c. Rental or purchase of any equipment deemed essential for a member to enjoy his/her session due to their own equipment being unfit, unsafe or missing.

ACCIDENT AND ILLNESS INSURANCE

No re-reimbursements e5-portfolio assumes no responsibility or liability for eventual damages the participant may suffer related to any activity or event organised by e5-portfolio

The client is required to subscribe, independently of e5-portfolio to adequate insurance coverage.

The use of e5-portfolio facilities or facilities used by e5-portfolio for any of its workshops or activities, are at the sole risk of the client.

e5-portfolio shall have full authority to take whatever action it deems necessary to safeguard the health and well-being of the participant.

Such authority shall include the right of e5-portfolio to take the action it deems necessary to secure medical treatment for the participant at the parent’s or guardian’s expense.

e5-portfolio cannot be held responsible for any theft or loss sustained during a workshop.

PERSONAL DATA

Information from Third Party Platforms: You may allow our website to interact with one or more third party social networks or platforms (such as Facebook), which will provide data about you to us (“Platform(s)”).

The information you allow e5-portfolio to access varies by Platform, and it is affected by the privacy settings you and those that you are connected with establish while using such Platforms. Platforms are operated,

controlled, and maintained by third parties that are not operated, controlled, or maintained by e5-portfolio. We recommend that you read the terms of use or service and privacy policies of those Platforms to

understand how they collect and treat your data and what data they might share with us or other third parties.

The client consents to e5-portfolio use of personal data such as addresses, statistics of activities followed, payment record, behaviour etc.

Data may be used for marketing, information about new offers, refusal to accept inscriptions due to poor payment record etc.

RECORDS

Photos or other records taken during an activity are the sole property of e5-portfolio and all rights are reserved. e5-portfolio reserves the right to use any photographs, art works, etc, of the participant on its

website and in any of its future publications.

Demographic and Usage Data (Non-Personal Information): e5-portfolio may collect information through the use of cookies, HTML5 local storage, and other similar technologies. “Cookies” are alphanumeric

identifiers in the form of text files that are inserted and stored by your web browser on your hard drive. Video School Online may set and access cookies on your computer or wireless device to track and store

preferential information about you. We may gather anonymous information about Users through cookie technology on an individual and aggregate level. Such information is used within e5-portfolio internally and

is only shared with third party advertisers, if any, on an aggregated or non-personally identifiable basis. You may opt out of receiving cookies from our website by following the instructions in your web browser.

Note, however, that deleting cookies or directing your browser to refuse them may limit your ability to use certain portions of our website that require cookies to function. e5-portfolio gathers certain information

automatically and stores it in log files. This information may include Internet protocol (IP) addresses, browser type, operating system, and other usage information about the use of our website, including a history

of the pages you view.

*Non-Personal Information. *Web Beacons, also known as pixel tags and clear GIFs, (“Web Beacons”), are electronic images that allow a website to access cookies and help track marketing campaigns and

general usage patterns of visitors to those websites. Web Beacons can recognize certain types of information, such as cookie numbers, time and date of a page view, and a description of the page where the Web

Beacons are placed. No PII about you is shared with third parties through the use of Web Beacons on our website. However, through Web Beacons, we may collect general information that will not personally

identify you, such as: Internet browser, operating system, IP address, date of visit, time of visit and path taken through the website. e5-portfolio may also collect other Non-Personal Information as visitors browse

our website, such as the web traffic, what pages are visited, from where visitors come, and other demographic information, such as age, gender, and search habits.

HOW WE USE THE INFORMATION WE COLLECT

We may use the information we collect for a number of purposes. We may use it to respond to your inquiries and otherwise correspond with you, to process transactions that you request, to maintain accounts,

such as your e5-portfolio Online account, to preserve the security and integrity of our website and services, to conduct market research or surveys, and to administer, review, and/or improve the content of our

website and services. We may also use the information to communicate with you, and make recommendations, about Courses and other services that we think may be of interest, or to address refund, chargebacks,

payment or copyright disputes.

e5-portfolio Sàrl may use Web Beacons internally to count visitors and recognize visitors through cookies. We may compile this Non-Personal Information to enable statistical analysis of our services that would be

used internally or with external assistance to make improvements to our website and services.

e5-portfolio Sàrl may use and share Non-Personal Information we collect with third parties to develop and deliver targeted advertising on our website or applications of third parties, and to analyze and report on

advertising you see. We may combine Non-Personal Information we collect with additional Non-Personal Information collected from other sources. We also may share aggregated, non-personal information, or

personal information in hashed, non-human readable form, with third parties, including advisors, advertisers and investors. For example, we may engage a third party acting on our behalf to collect web log data

from you (including IP address and information about your browser or operating system) when you use our website and other websites you may access during your Internet browsing session, or place or recognize

a unique cookie on your browser to enable you to receive customized advertisements or content. For more information regarding your choices about how third parties collect information about you on our website

see the section titled Do-Not-Track Procedures below.

Except as stated above, e5-portfolio Sàrl may disclose any of your information, which in some cases includes PII, in the following situations:

1.With your consent. Video School Online may transmit your PII to a third party when you give us express permission to do so. For example, this may occur when we complete a transaction on your behalf or at

your request.

2.With our authorized service providers. e5-portfolio Sàrl may share your PII with our authorized service providers that perform certain services on our behalf. These services may include processing credit card

payments, providing customer service and marketing assistance, performing business and sales analysis, supporting our website functionality, and supporting contests, sweepstakes, surveys and other features

offered through our website. These service providers may have access to PII needed to perform their functions but are not permitted to share or use such information for any other purposes.

3.With our business partners. When you make purchases, reservations or engage in promotions offered through our website, we may share PII with the businesses with which we partner to offer you those products,

services, promotions, contests and/or sweepstakes. When you elect to engage in a particular merchant’s offer or program, you authorize us to provide your email address and other information to that

merchant.

4.In connection with a substantial corporate transaction, such as the sale of our business; a divestiture, merger, consolidation, or asset sale; or in the event of bankruptcy. If another company acquires e5-portfolio

Sàrl , that company will take on all responsibility for the information we collect, including PII, and it will assume all rights and obligations with respect to that information. Should this happen, the acquiring company

may implement its own policies with respect to your information.

5. e5-portfolio Sàrl may use information available on the performance and availability of e5-portfolio powered websites for advertising purposes, and external outlets. Additionally, e5-portfolio Sàrl may use the

information available within a members account for promotional activities unless and until the member informs us that they no longer wish to receive any promotional materials.

6.If we are required to disclose information by law. e5-portfolio Sàrl may be obligated to disclose a User’s personal information, if directed by a court of law or other governmental entity. Without limiting the

foregoing, we reserve the right to disclose such information where we have a good faith basis to believe that such action is necessary to: (a) comply with the law; (b) protect and defend e5-portfolio Sàrl rights and

property, or safety of e5-portfolio Sàrl our users, our employees, or others; (c) protect against misuse or unauthorized use of our website and/or Services and/or to enforce our Terms of Use or other agreements

or policies; and/or (d) protect your personal safety or property or that of the public. In the event that your information is disclosed, we will comply with the law and make commercially reasonable efforts to notify

you.

Please keep in mind that all of the information that you disclose or content that you post in your user profile, forum posts, comments, or other public portions of our website becomes public information. Because

this information is publicly available, we cannot control how others treat it so we ask all Users to exercise care in deciding what information they chose to share. If you terminate your e5-portfolio account, we may

retain your PII for administrative purposes but will not publicly or share it in any other way. This does not mean that we will scrub your posts from our publicly available information.

NEW USES OF INFORMATION

From time to time, we may use visitor information for new, unanticipated uses not previously disclosed in our Privacy Policy. If our information practices change at some time in the future, we will post the policy

changes to our website to notify you of these changes. If you are concerned about how your information is used, you should visit our website periodically and review our policies.

DATA RETENTION

We will retain your data for a period of up to three (3) months (or the maximum time required by law) after your account (a) has been cancelled, (b) is on a credit hold for nonpayment, or (c) ends after a trial period.

After this time, the information will be permanently removed from our servers and no one will be able to access it. Your personal information such as your email, name, type of account you had, and payment

history will remain on file for a period of up to ten (10) years, or the maximum time required by law, to comply with government regulations. Again, this does not mean that we will scrub your posts from our publicly

available information.

ACCESS TO YOUR INFORMATION

e5-portfolio Sàrl will provide you with access to PII that you submitted to e5-portfolio Sàrl for as long as we maintain that information in a readily accessible format. If you believe that any PII we are holding is

incorrect or incomplete, or to have e5-portfolio completely remove your PII from our systems, please send an email with your specific request to contact@e5-portfolio.com. We will work with you to make any

corrections deemed necessary. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. Additionally,

note that registered Instructors and members may change visibility of their respective personal information throughout our website by editing their personal profiles.

If you provide your email address to e5-portfolio Sàrl, you will always have the opportunity to opt out of receiving email newsletters and promotions through the unsubscribe link in the email communications or by

logging into and changing the preferences for your user account. We may send you other types of transactional and relationship e-mail communications, such as service announcements, administrative notices,

and surveys, without offering you the opportunity to opt out of receiving them. Please note that changing information in your account, or otherwise opting out of receipt of promotional email communications will

only affect future activities or communications from us. If we have already provided your information to a third party (such as a credit card processing partner) before you changed your preferences or updated your

information, you may have to change your preferences directly with that third party.

OUR POLICY CONCERNING CHILDREN

As stated in our Terms of Use, our website and services are offered and available only to you if are 18 years or older, or if you are between 15 and 18 years old and have obtained the consent of a parent or legal

guardian prior to accessing the website, registering an account, or using the services. If you do not meet this eligibility requirement, you may not use our website or services. e5-portfolio Sàrl does not knowingly

collect or store any personal information from or about children under the age of 15. We will delete such information if we become aware that it has been submitted through our website. Parents or legal guardians

who believe that e5-portfolio Sàrl might have any information from or about a child under the age of 15 may submit a request to contact@e5-portfolio.com and request that such information be removed.

SECURING YOUR INFORMATION

e5-portfolio takes a range of security measures designed to protect your PII and keep it confidential (unless it is non-confidential by nature) and free from any unauthorized alteration. For example, only authorized

employees are permitted to access personal information, and they may do so only for permitted business functions. In addition, we use encryption in the transmission of financial information between your system

and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your personal information.

Where we have given you (or where you have chosen) a password for access to certain parts of our website, you are responsible for keeping this password confidential. As the safety and security of your information

also depends on the precautions you take, we ask you not to share your password with anyone.

THIRD PARTIES AND OTHER INFORMATION COLLECTORS

Except as otherwise expressly included in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other

parties through our website, whether between Instructor and members or other Users or individuals, different rules may apply to their use, collection, and disclosure of the personal information you disclose to

them. Since we do not control the information use, collection, or disclosure policies of third parties, you are subject to their privacy policies.

Our website may include links to third party websites. Once you have used these links to leave our website, you should note that we do not have any control over third party websites. We are not responsible for

the content of such websites or the protection and privacy of any information which you provide while visiting such sites. Third-party websites are not governed by this Privacy Policy. You should exercise caution

and look at the privacy policies applicable to the websites in question.

DO-NOT-TRACK PROCEDURES

Note that any Do-Not-Track instructions from your browser or similar mechanism will not affect our collection of the data that you voluntarily provide to e5-portfolio Sàrl through such means as browsing our

website, signing up for any of the Services or any Courses, entering PII into information fields on our website, or posting on any of our forums or blogs. Be advised that third parties are free to collect any information

that you volunteer to e5-portfolio that is visible to the public. Therefore, please do not provide e5-portfolio Sàrl with any information that you do not want collected.

NO RIGHTS OF THIRD PARTIES

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of the website.

CHANGES TO THE PRIVACY POLICY

We may review and update this Privacy Policy from time to time in our sole discretion. It is the responsibility of Users to keep abreast of those changes. All changes are effective immediately when posted. As such,

your continued use of the Sites or Services after e5-portfolio makes changes to this Privacy Policy is deemed to be acceptance of those changes, so please check this webpage periodically for updates. In addition,

e5-portfolio Sàrl will notify Users of any material or significant changes to this Privacy Policy relating to the way in which we use your personal information by placing a notice on the Sites and notifying registered

Users via email.

GOVERNING LAW

e5-portfolio reserves the right to modify the programme of any workshop, the price of activities, and these terms and conditions.

Any claim relating to Any claim relating to Company’s web site shall be governed by the laws of Switzerland

General Terms and Conditions applicable to the web site use shall be governed by the laws of SwitzerlandGeneral Terms and Conditions applicable to Use of a Web Site.

This agreement shall be construed in accordance with Swiss law and the local courts of the headquarters of e5-portfolio shall have sole jurisdiction.

Last updated 12th April, 2020

Copyright © 2020 e5-portfolio Sàrl. All Rights Reserved

CONTACT US

If you have questions or concerns regarding The Terms and Conditions and this Privacy Policy, you may contact us at:

e5-portfolio Sàrl

Espace 5

40 rte.st julien

1227 Carouge

Genève

Switzerland

Email: contact@e5-portfolio.com

WEB SITE TERMS AND CONDITIONS OF USE

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable

local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Company’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a

transfer of title, and under this license you may not:

modify or copy the materials;

use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

attempt to decompile or reverse engineer any software contained on Company’s web site;

remove any copyright or other proprietary notations from the materials; or

transfer the materials to another person or ‘mirror’ the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by e5-portfolio Sàrl at any time. Upon terminating your viewing of these materials or upon the termination of

this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

e5-portfolio Sàrl . has the right to terminate any course membership at any time, for any reason. ‘Lifetime’ access to a course (one time purchase; subscription; or payment plan) refers to the ‘life’ of the course or

website.

3. Disclaimer

The materials on Company’s web site are provided ‘as is’. Company makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties

or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Company does not warrant or make any representations

concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall Company or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the

materials on Company’s Internet site, even if Company or a Company authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow

limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on Company’s web site could include technical, typographical, or photographic errors. Company does not warrant that any of the materials on its web site are accurate, complete, or

current. Company may make changes to the materials contained on its web site at any time without notice. Company does not, however, make any commitment to update the materials.

6. Links

Company has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Company of the site.

Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications

Company may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions