Terms of Service

The following Terms of Use constitute an agreement between Technote Inc., an Alberta corporation registered extraprovincially in British Columbia, and you. Technote Inc. is referred to in these Terms as the Company, we, us, or our.

These Terms govern your access to and use of MickiKosman.com, Adapt Lab, the Adapt Lab community and classroom hosted on Skool, and all associated courses, memberships, programs, digital products, downloads, resources, email newsletters, communications, social media accounts, content, and related offerings owned or operated by the Company, collectively referred to in these Terms as the Site.

By accessing or using any part of the Site, you agree to be bound by these Terms. If you don’t agree with these Terms, you may not access or use the Site.

Payments, Subscriptions and Billing

Certain courses, memberships, programs, digital products, resources, and other offerings available through the Site may require payment. These paid offerings are collectively referred to in these Terms as Products.

The price, currency, billing schedule, payment terms, access period, and any applicable taxes will be disclosed at or before the time of purchase. Unless otherwise stated at checkout, prices are displayed in the currency shown on the applicable sales or checkout page.

By providing a credit card, debit card, or other payment method, you authorize Company and the third-party platform or payment processor used for your purchase, which may include Skool, Stripe, Flodesk, or another provider identified at checkout, to charge that payment method for all amounts due in connection with your purchase.

You authorize Company to share the payment information and instructions reasonably required to process the transaction with the applicable third-party platform or payment processor. Company doesn’t directly control the collection, storage, or processing of payment information handled by third-party platforms or payment processors.

You’re responsible for providing current, complete, and accurate billing information and for promptly updating your payment information when it changes.

One-Time Purchases

For a one-time purchase, the full purchase price is due at the time of purchase unless a payment plan is expressly offered.

Where a Product is purchased through a payment plan, the payment plan is a commitment to pay the full purchase price in installments. Cancelling your participation, failing to use the Product, or losing access because you violated these Terms doesn’t cancel the remaining installments, except where otherwise required by law or expressly stated in the applicable offer.

Recurring Memberships and Subscriptions

When you purchase a recurring membership or subscription, you authorize Company and the third-party platform or payment processor used for your purchase to charge the applicable membership or subscription fee, plus any applicable taxes, to your chosen payment method at the billing frequency disclosed at checkout.

Your membership or subscription will continue and your payment method will be charged automatically until you cancel, unless otherwise stated at the time of purchase.

You may cancel a recurring membership or subscription through the account or subscription-management tools provided by the platform used for your purchase. This may include Skool, Stripe, Flodesk, or another provider identified at checkout.

Where self-service cancellation isn’t available, you may contact Company using the contact information provided on the Site.

Unless otherwise stated at checkout, cancellation takes effect at the end of your current paid billing period. You’ll generally retain access until that date and won’t be charged for the next billing period.

Cancelling a subscription, leaving a community, closing an account, or discontinuing participation doesn’t, by itself, create a right to a refund for amounts already paid.

You should cancel before your next scheduled billing date. Processing times may vary depending on the platform or payment processor, so you’re responsible for allowing enough time for your cancellation to be completed before the next charge.

Company may change subscription prices or other material subscription terms by providing notice as required by applicable law. Any price change will apply prospectively and won’t alter charges already paid.

Failed or Late Payments

If a payment is declined, reversed, disputed, or otherwise not received when due, Company may attempt to process the payment again and may suspend or terminate access to the applicable Product until the outstanding amount is paid.

You remain responsible for legitimate amounts due under your purchase agreement, including any remaining installments under a payment plan.

Company may recover reasonable collection costs where permitted by applicable law.

Refunds

Because many Products include digital content, downloadable materials, immediate access, access to proprietary resources, or access to a private community, all sales are final and non-refundable unless:

• a different refund policy is expressly stated on the applicable sales or checkout page;
• Company agrees otherwise in writing; or
• a refund, cancellation, or other remedy is required by applicable law.

Except in those circumstances, Company doesn’t provide refunds or credits because you changed your mind, didn’t use the Product, failed to attend or participate, didn’t achieve a desired result, or had your access suspended or terminated because you violated these Terms.

For recurring memberships and subscriptions, cancellation prevents future renewal charges once the cancellation takes effect. It doesn’t ordinarily result in a prorated or partial refund for the current billing period.

For purchases processed through a third-party platform, cancelling your subscription, leaving a community, or closing your account doesn’t automatically generate a refund.

Any refund request must be submitted according to the process described by Company or the applicable platform.

Nothing in this section limits any cancellation, refund, or other consumer right that cannot lawfully be waived.

Payment Disputes and Chargebacks

You agree to contact Company first and make a reasonable, good-faith effort to resolve any billing concern before initiating a chargeback or payment dispute.

This provision doesn’t prevent you from disputing an unauthorized, fraudulent, or genuinely incorrect charge or from exercising any right available under applicable law.

Company may suspend access to Products associated with a disputed or reversed payment while the matter is investigated.

If a chargeback or payment dispute is resolved in Company’s favour, you remain responsible for the unpaid purchase amount and any reasonable fees charged to Company as a direct result of the dispute, to the extent permitted by law.

Company may provide relevant transaction records, proof of access, communications, acceptance records, and other supporting information to the applicable payment processor, card issuer, bank, platform, or dispute-resolution provider when responding to a chargeback or payment dispute.

Product Access and Availability

Your access to a Product lasts for the period described on the applicable sales or checkout page.

Where an offer expressly includes lifetime access, lifetime means access for as long as Company continues to make that Product available. It doesn’t mean the lifetime of the purchaser, Company, or any particular platform.

Company may update, move, replace, archive, or discontinue a Product where reasonably necessary.

Company will make reasonable efforts to provide notice before permanently discontinuing a paid Product that was sold with ongoing or lifetime access, where practicable.

Company may provide continued access through another platform, downloadable materials, replacement content, or another reasonable solution at its discretion.

Access to a membership, subscription, community, or Product that depends on an active recurring payment ends when the applicable membership or subscription ends, subject to any continuing access expressly included in the offer.

Company doesn’t guarantee that any Product, feature, community, platform, or third-party service will remain available indefinitely.

Registration and Restricted Access

Access to certain areas of the Site, including Adapt Lab, its Skool community and classroom, courses, Products, and member resources, may be restricted to registered or paying users.

When you create or use an account, you agree to provide accurate, complete, and current information.

You’re responsible for maintaining the confidentiality of your username, password, and other login credentials and for all activity that occurs through your account.

You may not share, sell, transfer, or allow another person to use your account or access credentials unless Company has expressly authorized it.

You must promptly notify Company if you believe your account or login information has been compromised.

You may not use a username or account identity that impersonates another person or organization, infringes another party’s rights, or is unlawful, offensive, vulgar, or misleading.

By creating an account or purchasing a Product, you confirm that you’re at least 18 years old or have reached the age of majority in your jurisdiction and have the legal capacity to agree to these Terms.

Company may refuse registration, remove or edit content, restrict access, suspend an account, or terminate an account where Company reasonably believes that a user has violated these Terms, failed to make a required payment, created risk or potential legal exposure, disrupted the Site or community, or engaged in unlawful, abusive, fraudulent, or harmful conduct.

Where Company terminates access to a paid Product without cause before the end of the paid access period, Company will provide any refund or other remedy required by applicable law.

Termination because of a user’s breach of these Terms doesn’t create a right to a refund unless required by law.

Company may modify its registration methods, account requirements, platforms, and access levels from time to time.

Privacy

Your use of the Site is subject to Company’s Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting the Site or sending emails to Company constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications providing electronically to you by Company, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Links to Third Party Sites

The Site may link to other websites (“Linked Sites”). These Linked Sites are not under the control of Company. Company is not responsible for the contents of any Linked Sites. Company provides these links as a convenience to you. The links do not constitute endorsement by Company of the site or any association with its operators.

Intellectual Property

You are granted a non-exclusive, non-transferrable, revocable license to access and use the Site in strict accordance with these Terms. All content included on this Site is the property of Company and is protected by copyright and other laws that protect Company’s intellectual property and proprietary rights. You agree to not modify, publish, transmit, reverse engineer, or create derivative works found on the Site. You agree that you do have nor will have any ownership rights in any protected content, and that Company does not grant you any licenses, express or implied, to the intellectual property of Company except as expressly authorized by these Terms.

Indemnification

You agree to indemnify, defend, and hold harmless Company, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses relating to or arising out of you use of the Site or services.

Dispute Resolution

Before commencing formal legal proceedings, you agree to contact Company and make a reasonable, good-faith effort to resolve any dispute or claim arising from or relating to these Terms, the Site, or any Products or Services provided by Company.

If the dispute cannot be resolved informally, either party may pursue any remedy available under applicable law. The parties may also agree in writing, after a dispute has arisen, to resolve the dispute through mediation, arbitration, or another mutually agreed dispute-resolution process.

Nothing in these Terms limits any rights or remedies that cannot lawfully be limited or waived under applicable consumer protection legislation.

Governing Law

These Terms and any dispute or claim arising from or relating to these Terms, the Site, or any Products or Services provided by Company are governed by and construed in accordance with the laws of the Province of British Columbia and the applicable federal laws of Canada, without regard to conflict of law principles.

Subject to any rights you may have under applicable consumer protection laws, you and Company submit to the jurisdiction of the courts of the Province of British Columbia.

Liability Disclaimer

The information and content on this Site may include inaccuracies or typographical errors. Company may make periodical changes at any time. Company makes no representations about the suitability, reliability, timeliness, or accuracy or the information on the Site. To the maximum extent permitted by applicable law, in no event shall Company be liable for any direct, indirect, punitive, incidental, special, consequential damages, or any other damages, without limitation.

TO THE EXTENT ALLOWABLE BY LAW, COMPANY WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES OF ANY KIND, HOWEVER CAUSED, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, WHETHER UNDER THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY OR OTHERWISE, EVEN IF THE OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NO WARRANTIES

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE WEBSITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Company makes no warranty the Website will meet your requirements; will be available uninterrupted; timely and free of viruses or bugs; or represents the full functionality, accuracy, and reliability of the Website. Company is not responsible to you for the loss of any content or material uploaded or transmitted through the Website. The Website is written in English and makes no warranty regarding the translation or interpretation of content in any language.

The Company does not warrant that the Website or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that any part of the Website, including membership pages, or the servers that make it available, are free of viruses or other harmful components.

Assumption of Risk and Release

You acknowledge that, by engaging with the Company for any Products or Services, you voluntarily assume an element of inherent risk, and knowingly and freely assume all risk and responsibility for injuries to any persons or damages to any property, and release, covenant not to sue, and hold harmless the following Releasees: (i) Technote Inc. operating as Adapt Lab, Adapt Lab by Micki, its subsidiaries, affiliated companies, owners, members, managers, directors, officers, past and present employees, agents, coaches, representatives, successors and assigns; (ii) any Company volunteers; and (iii) Melanie (Micki) Kosman personally (collectively, the “Releasees”).

This release applies to any and all claims, causes of action, obligations, lawsuits, charges, complaints, controversies, damages, costs or expenses of whatsoever kind, nature, or description, whether direct or indirect, in law or in equity, in contract or in tort, or otherwise, whether known or unknown, arising out of or connected with your use of the Website or participation in any Products or Services, whether or not caused by the active or passive negligence of the Releasees.

Force Majeure

Company shall not be deemed in breach of these Terms of Use if Company is unable to provide all of the services or any portion thereof by reason of fire, earthquake, labor dispute, act of God or public enemy, epidemic, pandemic, death, illness or incapacity of the Company or any local, provincial, state, federal, national or international law, governmental order or regulation or any other event beyond Company’s control (collectively, “Force Majeure Event”). Upon occurrence of any Force Majeure Event, the Company shall give notice to you of its inability to perform or of delay in providing services and shall propose revisions to the schedule or other accommodations, or may terminate these Terms of Use.

AI Tools, Custom GPTs and AI-Powered Products

Certain Products sold through the Company may include artificial intelligence tools, prompt systems, workflows, automations, CustomGPTs, Claude Projects, Claude Cowork, Gemain or other AI-powered resources (collectively referred to as “AI Tools”).

These AI Tools may be delivered in various formats, including but not limited to: CustomGPT access links via OpenAI’s ChatGPT, prompt libraries, templates designed for AI systems, workflow instructions, AI-powered spreadsheets or applications, and training materials explaining how to use AI systems.

By purchasing or accessing any AI Tool, you agree to the following terms.

a. Third-Party Platform Dependency

Many AI Tools rely on third-party platforms, including but not limited to OpenAI / ChatGPT, Google Gemini, Anthropic / Claude, Canva, Zapier, Make and other AI or automation platforms. The Company does not control these third-party platforms. Therefore: functionality may change, features may be modified, pricing may change, access requirements may change, and platforms may discontinue features. The Company is not responsible for any changes made by third-party providers that affect the performance, functionality, or availability of AI Tools.

b. Platform Account Requirements

Some AI Tools require you to maintain your own account with a third-party AI platform (for example, ChatGPT Plus or other paid AI subscriptions). It is your responsibility to maintain any required third-party account. The Company is not responsible if you lose access to an AI Tool because you do not maintain a required platform subscription.

c. AI Output Disclaimer

AI tools generate outputs based on probabilistic models. Therefore, outputs may contain errors, produce incomplete information, produce inaccurate or outdated information, or generate content that requires human review. You agree that you are solely responsible for reviewing, verifying, and approving any AI-generated outputs before relying on them. The Company makes no guarantees regarding the accuracy, legality, or reliability of AI-generated outputs.

d. Educational Use Only

All AI Tools and AI-related Products sold through the Company are provided for educational and informational purposes only. They do not constitute legal advice, financial advice, tax advice, medical advice, psychological advice, or professional consulting. You are responsible for consulting with appropriate professionals before making decisions based on AI-generated information.

e. License to Use AI Tools

When you purchase an AI Tool, you receive a limited license to use the tool for your own personal or business purposes. You may not: resell the AI Tool; distribute the AI Tool; share CustomGPT links publicly; provide the AI Tool to clients; create derivative tools for resale using the AI Tool; or redistribute prompts or workflows contained in the Product. All AI Tools remain the intellectual property of The Company unless otherwise stated.

f. Prohibition on Sharing Access Links

If a Product includes access to a CustomGPT or private AI system through a link, that link is for your individual use only. You may not: share the link publicly, share the link with clients, share the link with coworkers or teams, or publish the link online. Unauthorized sharing of access links may result in immediate termination of access, revocation of Product access, and legal action under the intellectual property provisions of these Terms.

g. AI Product Updates

AI technology evolves rapidly.The Company reserves the right to update, modify, discontinue, or replace AI Tools with updated versions. Unless explicitly stated in the product description, purchases do not guarantee future updates.

h. AI Platform Policy Compliance

You agree that when using any AI Tool provided through the Company, you will comply with the policies of any third-party platform involved, including but not limited to OpenAI policies, Google and Anthropic platform and other AI company or tech company usage policies, and applicable laws regarding AI use. The Company is not responsible for any consequences resulting from your violation of third-party platform policies.

Adapt Lab is currently hosted on Skool, which is an independently owned and operated third-party platform. Your use of Skool may also be subject to Skool’s own terms, policies, and privacy practices.

Company doesn’t control Skool’s technology, operations, pricing, features, availability, security, or policies. Skool may change, suspend, limit, or discontinue features or services at any time.

Company may move Adapt Lab, its community, classroom, courses, or related content to another platform where reasonably necessary. Members may be required to create an account with the replacement platform to maintain access.

Temporary outages, service interruptions, maintenance, technical issues, or reduced functionality affecting Skool or another third-party platform don’t automatically create a right to a refund. Company will make reasonable efforts to restore access or provide an appropriate alternative where practicable.

Nothing in this provision limits any refund, cancellation, or other consumer right that cannot lawfully be waived.

Adapt Lab Community Conduct and Member Content

Adapt Lab is hosted on Skool. Your use of Skool is also subject to Skool’s terms, privacy policy, community standards, and other applicable platform rules. These Terms and any additional Adapt Lab community guidelines apply alongside Skool’s rules.

If these Terms conflict with a mandatory requirement imposed by Skool for use of its platform, the applicable Skool requirement will govern your use of the Skool platform. Company’s terms will continue to govern your relationship with Company, your access to Adapt Lab, your purchases, and your use of Company’s content and Products to the fullest extent permitted by law.

When participating in Adapt Lab, you agree that you will not:

• harass, threaten, discriminate against, intimidate, or abuse another person;
• post unlawful, defamatory, infringing, fraudulent, harmful, or misleading content;
• send spam, engage in unwanted solicitation, or repeatedly promote products or services without permission;
• scrape, harvest, collect, or use another member’s personal or business information without authorization;
• disclose, repost, or distribute another member’s private, confidential, or non-public information;
• record, transcribe, reproduce, or publicly share community discussions, calls, workshops, or member contributions without permission;
• impersonate another person, business, or organization;
• upload content that infringes intellectual property, privacy, publicity, confidentiality, or other rights;
• use Adapt Lab content, discussions, recordings, or member contributions to train, develop, or improve an artificial intelligence system, dataset, model, or automated product without prior written permission; or
• interfere with the operation, safety, or intended purpose of the community.

You retain ownership of content you create and post in Adapt Lab.

By submitting content to Adapt Lab, you give Company a limited, non-exclusive, royalty-free licence to access, display, reproduce, store, moderate, move, edit for formatting or clarity, and remove that content solely as reasonably necessary to operate, administer, support, protect, and moderate Adapt Lab and to comply with legal obligations.

This licence doesn’t give Company permission to use your content publicly for advertising, testimonials, promotional materials, newsletters, or social media without your separate permission, except where the content has already been made public by you and the use is otherwise permitted by law.

Company may remove content or restrict, suspend, or terminate a member’s access where Company reasonably believes that the member has violated these Terms, Adapt Lab’s community guidelines, Skool’s rules, or applicable law, or has created a risk to the community, Company, Skool, or another person.

International Users

Company is owned and operated in Canada. If you access the Site or services provided by Company outside of Canada, you are responsible for compliance with your local laws.

Access Restriction

Company reserves the right, in its sole discretion, to terminate your access to the Site at anytime without notice.

Entire Agreement

This agreement constitutes the entire agreement between you and Company with respect to the Site and supersedes all prior or contemporaneous communications between you and Company.

Community Access

Some of our Services also contain access to a private Skool Communities (the “Private Groups”). Company is not liable for nor does Company endorse the information shared amongst community members in the Private Groups. Access to the Private Groups may be revoked at any time by Company. The Private Groups are provided solely for your convenience and may be shut down at any time by Company, with or without notice. The closing of a Private Group is not grounds for a refund of any kind. The Private Groups are provided strictly as free bonuses to the course.

You are solely responsible for your interactions with other members of the Private Groups. You understand and agree that any contact, whether online or in-person, with any participant is done solely at your own risk. Company disclaims any and all liability for any interactions between participants and you expressly hold Micki (Melanie) Kosman harmless for any such interaction.

Severability

If any part of this agreement is determined to be invalid or unenforceable, the rest of this agreement shall still be enforceable and the portion deemed invalid will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

Disclosure Policy

From time to time, Company may publish sponsored, gifted, affiliate, or promotional content through the Site. This may include content created in partnership with brands, agencies, influencer networks, affiliate programs, or other third parties.

Company may receive compensation in the form of money, free products, services, commissions, discounts, travel, or other benefits in connection with this content. Where required, these relationships will be clearly and conspicuously disclosed in the applicable content.

Any opinions, findings, recommendations, or experiences shared are honest and reflect the views of the individual content creator. Compensation doesn’t guarantee a positive review, recommendation, or outcome.

Product descriptions, claims, statistics, pricing, availability, and other information may change or may be provided by third parties. You should verify important information directly with the applicable manufacturer, provider, retailer, or other responsible party before making a purchase or decision.

The Site isn’t owned, operated, endorsed, sponsored, or officially associated with Skool, Meta, or any other third-party platform unless expressly stated otherwise.

Change to Terms

Company reserves the right, in its sole discretion, to change these Terms. The most current version of the Terms will supersede all previous versions. Company encourages you to periodically review the Terms to stay informed on updates.

Contact Us

Company encourages you to contact us at hell@mickikosman.com with any questions or comments regarding these Terms.

Last updated: 13/06/26