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Terms of Service

Effective Date: February 1, 2026 | Last Updated: February 2026

Important: These Terms of Service constitute a legally binding agreement between you and Clear Paths Growth LLC. By accessing our website or using our services, you agree to be bound by these terms. Please read them carefully.

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website, services, content, and products (collectively, the "Services") provided by Clear Paths Growth LLC, a Vermont limited liability company ("Clear Paths Growth," "Company," "we," "us," or "our").

By accessing or using our Services, you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and "you" refers to both you individually and that organization.

If you do not agree to these Terms, you may not access or use the Services.

2. Description of Services

Clear Paths Growth provides the following Services:

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

3. User Accounts

3.1 Account Creation

Certain Services may require you to create an account. When creating an account, you agree to:

3.2 Account Eligibility

You must be at least 18 years of age to create an account or use our Services. By creating an account, you represent and warrant that you meet this age requirement.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time, for any reason, including but not limited to violation of these Terms. Upon termination, your right to use the Services will immediately cease.

4. Intellectual Property Rights

4.1 Our Intellectual Property

The Services and all content, features, and functionality thereof, including but not limited to:

are owned by Clear Paths Growth LLC, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

4.2 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business purposes. This license does not include:

4.3 Restrictions

You may not:

4.4 Attribution Requirements

If you reference or quote our content in accordance with fair use principles, you must provide clear attribution to Clear Paths Growth LLC and, where applicable, to the specific author (Daniel Jasinski). Commercial use or derivative implementation of the Payment Economics framework requires written permission.

5. Certification Programs

5.1 Certification Requirements

The Payment Economics Foundations (PEF) Certification and any other certification programs we offer are subject to the following terms:

5.2 Certification Credentials

Upon successful completion:

5.3 Credential Use Restrictions

You may not:

5.4 Credential Revocation

We reserve the right to revoke certification credentials for:

Revocation decisions may be appealed in writing within 30 days of notification.

6. Advisory Services

6.1 Nature of Advisory Services

Our advisory services provide strategic guidance and recommendations based on our expertise and the information you provide. Advisory engagements are governed by separate engagement letters or statements of work, which supplement these Terms.

6.2 No Fiduciary Relationship

Unless explicitly stated in a signed engagement letter, our relationship is not fiduciary in nature. We provide advice and recommendations, but you retain full authority and responsibility for all business decisions.

6.3 Confidentiality

We will maintain the confidentiality of information you share with us during advisory engagements, subject to the terms of any separate confidentiality or non-disclosure agreement. We will not disclose your confidential information to third parties without your consent, except as required by law.

7. Payments and Refunds

7.1 Pricing

Prices for paid Services are as listed on our website or in separate agreements. All prices are in United States Dollars (USD) unless otherwise specified. We reserve the right to change prices at any time, but changes will not affect orders already placed.

7.2 Payment Terms

Payment is due at the time of purchase unless otherwise agreed in writing. We accept payment methods as indicated at checkout. You represent and warrant that you have the legal right to use any payment method you provide.

7.3 Certification Refund Policy

For certification programs:

7.4 Advisory Services Refund Policy

Advisory services are non-refundable once work has commenced. Cancellation terms are specified in individual engagement letters.

7.5 Taxes

You are responsible for any applicable taxes, duties, or levies associated with your purchase, excluding taxes on Clear Paths Growth's income.

8. User Content and Conduct

8.1 User Content

You may have the opportunity to submit content through our Services, including assessment responses, comments, or materials ("User Content"). You retain ownership of your User Content, but grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display your User Content in connection with operating and improving the Services.

8.2 Content Standards

You agree that your User Content and conduct will not:

8.3 Content Removal

We reserve the right to remove any User Content that violates these Terms or that we deem inappropriate, without prior notice.

9. Disclaimers

Please read this section carefully. It limits our obligations and your rights.

9.1 No Professional Advice

The content and Services provided by Clear Paths Growth are for informational and educational purposes only. Nothing in our Services constitutes:

9.2 No Guarantee of Results

While we believe our frameworks and methodologies are valuable, we make no guarantees regarding:

Results depend on many factors outside our control, including your implementation, market conditions, and organizational context.

9.3 "As Is" Provision

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that:

9.4 Third-Party Content

Our Services may contain links to third-party websites or resources. We are not responsible for the content, products, or services offered by third parties. Your use of third-party resources is at your own risk.

10. Limitation of Liability

This section limits our liability to you. Please read it carefully.

10.1 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CLEAR PATHS GROWTH LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY:

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

10.2 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF:

10.3 Basis of the Bargain

YOU ACKNOWLEDGE THAT THE LIMITATIONS OF LIABILITY IN THIS SECTION ARE AN ESSENTIAL ELEMENT OF THE AGREEMENT BETWEEN YOU AND CLEAR PATHS GROWTH, AND THAT CLEAR PATHS GROWTH WOULD NOT PROVIDE THE SERVICES TO YOU WITHOUT THESE LIMITATIONS.

10.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Clear Paths Growth LLC, its officers, directors, employees, agents, licensors, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney's fees) arising from:

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.

12. Termination

12.1 Termination by You

You may terminate your use of the Services at any time by discontinuing use and, if applicable, closing your account. Termination does not entitle you to any refund except as expressly provided in Section 7.

12.2 Termination by Us

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including but not limited to:

12.3 Effect of Termination

Upon termination:

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Vermont, United States, without regard to its conflict of law provisions.

13.2 Dispute Resolution

Any dispute arising out of or relating to these Terms or the Services shall be resolved as follows:

  1. Informal Resolution: Before initiating formal proceedings, you agree to contact us at legal@clearpathsgrowth.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days.
  2. Mediation: If informal resolution is unsuccessful, either party may initiate non-binding mediation administered by a mutually agreed mediator in Burlington, Vermont.
  3. Arbitration or Litigation: If mediation is unsuccessful, disputes shall be resolved by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, or in the state or federal courts located in Chittenden County, Vermont. You consent to the exclusive jurisdiction of such courts.

13.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration.

13.4 Time Limitation

Any claim arising out of or related to these Terms or the Services must be filed within one (1) year after such claim arose, or be forever barred.

14. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes:

If you do not agree to the revised Terms, you must stop using the Services.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Clear Paths Growth regarding the Services and supersede all prior agreements and understandings.

15.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by Clear Paths Growth.

15.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties and their respective successors and assigns.

15.5 Force Majeure

We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

15.6 Notices

Notices to Clear Paths Growth must be sent to legal@clearpathsgrowth.com or by mail to our address below. Notices to you may be sent to the email address associated with your account or posted on the Services.

15.7 Relationship

Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and Clear Paths Growth. You have no authority to bind Clear Paths Growth in any respect.

16. Contact Information

For questions about these Terms of Service, please contact us at:

Clear Paths Growth LLC
Email: legal@clearpathsgrowth.com
Privacy Matters: privacy@clearpathsgrowth.com
General Inquiries: hello@clearpathsgrowth.com
Burlington, Vermont, United States

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.