Terms & Conditions

Version: 1.1
Effective date: October 30, 2026
Applicable version: The version specifically displayed and affirmatively accepted with a Client's order.
Offering: A private business Audit and Action Plan, with two included months of implementation oversight. References to “Markets Eye” describe the service offering only; they do not designate a separate legal person.
Legal contracting party: Tahir Khatri, individual sole proprietor (see Section 28).
Client: The commercial organization identified in the accepted order summary.

These Terms, the accepted order summary, and any expressly incorporated written scope or amendment comprise the agreement (“Agreement”) between Tahir Khatri, acting personally as an individual sole proprietor (the “Firm,” “we,” or “us”), and the Client (“Client,” “you,” or “your”). Read them before purchasing. Sections 11, 21, 22, 23, and 24 contain important refund, reliance, liability, indemnification, and dispute provisions.

1. Business-to-Business Engagement; Acceptance and Authority

1.1 Commercial purpose. Services are offered for professional and commercial business use, not personal, family, or household consumption. The purchaser represents that they are at least 18 years old, authorized to enter this Agreement for the named Client, and able to provide valid instructions and approvals. The Firm may reject an order that does not meet these criteria.

1.2 Affirmative acceptance. The Client must be given access to this Agreement and the full two-installment purchase terms before submitting the order. By affirmatively accepting this Agreement through a clearly identified acceptance control at checkout and submitting the order, the Client accepts the version presented and the applicable order summary. The Firm may retain the accepted version, timestamp, order identifier, purchaser and business details, and available acceptance records as evidence of agreement.

1.3 Order confirmation. The Firm may confirm, reject, or seek clarification of a purchase where identity, compliance, payment, capacity, or fit is uncertain. The Firm is not required to begin substantive work until payment is successfully received, required onboarding information is available, and the engagement is accepted.

1.4 Priority of documents. A separately executed, expressly identified amendment or statement of work takes priority solely for its stated subject. Otherwise, the accepted order summary governs pricing and disclosed concessions; these Terms govern services, privacy practices and risk allocation. Any more detailed privacy notice or data-processing agreement expressly supplied for a particular engagement applies to that processing as required by law. Marketing descriptions do not alter this Agreement unless expressly included in the accepted offer.

2. Definitions

Audit: The Firm's private, dated, client-specific investigation and related findings, explanations, and available supporting material. It is an analytical work product, not certification of every business record or a guarantee of future performance.

Action Plan: The client-specific analysis of credible courses of action, tradeoffs, dependencies, timing, sequencing, conditions, and recommendations developed after the Audit and informed by management's choices.

Initial Deliverables: The completed Audit and Action Plan delivered during the initial phases.

Included Oversight Period: The two consecutive calendar months of implementation consultation and coordination included in the full founding engagement after the Client has paid the full binding founding fee. It is not a stand-alone additional consulting purchase.

Client Materials: Information, data, records, recordings, credentials, permissions, business materials, instructions, and other content provided by or on behalf of the Client.

Firm Materials: All pre-existing, independently developed, or reusable methods, know-how, frameworks, models, templates, prompts, agents, software, processes, systems, analytical logic, tooling, research methods, data structures, and intellectual property belonging to or licensed by the Firm.

Third-Party Provider: Any external agency, contractor, employee, platform, specialist, professional, or other vendor separate from the Firm.

Business Day: A day other than Saturday, Sunday, or an Ontario statutory holiday.

Writing: Email, electronic signature, an appropriately authenticated client workspace approval, or another retrievable electronic record identifying the sender and decision.

3. Professional Engagement and Scope

3.1 The Firm provides independent business investigation, research, evidence analysis, strategic advisory, business decision support, Action Plan development, and, after payment of the agreed installments, the Included Oversight Period.

3.2 The investigation may address commercially material issues relevant to the Client's stated objectives, including financial and commercial operations, customer behavior, pricing, capacity, growth, market conditions, technology, providers, and specific business questions. The Firm exercises professional judgment about relevance, sequence, depth, evidence collection, source reliability, staffing, techniques, and reasonable resource allocation.

3.3 No implied unlimited scope. References to broad or comprehensive investigation mean a professionally directed engagement relative to the Client's goals; they do not create an obligation to examine every imaginable market, record, legal matter, provider, theory, or commercial opportunity, to perform unlimited research on demand, or to provide work disproportionate to the agreed fee.

3.4 The Firm may decline a requested investigation or additional service that is unlawful, unsafe, technically infeasible, excessively burdensome, outside reasonable scope, dependent on regulated expertise, or inconsistent with professional independence. Material new work, fee changes, third-party expenses, or altered delivery obligations require the Firm's written approval before they are binding.

3.5 The Firm will perform the expressly agreed services with reasonable professional care and diligence. It does not become the Client's executive management, employer, auditor of financial statements, lawyer, accountant, financial adviser, medical professional, investment manager, or regulated fiduciary by virtue of this Agreement.

4. Initial Engagement: Audit and Action Plan

4.1 Understanding the business. The Firm may conduct interviews, obtain an owner's management model, identify the Client's objectives and constraints, review existing company information, and investigate relevant market and business circumstances.

4.2 Evidence feasibility and collection. The Firm may first determine which materials reasonably exist, who can provide them, and their apparent reliability, before making targeted requests. The Client need not manufacture new reporting systems merely because a requested export is unavailable, but must cooperate in identifying reasonable alternatives.

4.3 Investigation and findings. The Firm will conduct an independent, proportionate investigation, consider pertinent competing explanations, document material assumptions and relevant supporting evidence, and prepare a private Audit. Findings and follow-up questions may be discussed before final delivery.

4.4 Management review and Action Plan. The Firm may invite correction of factual misunderstandings, document management preferences, compare credible strategic routes, identify dependencies and appropriate sequencing, and prepare an Action Plan. The Plan may distinguish immediate moves, actions to stop, protected strengths, deferred initiatives, conditional actions, and open management decisions.

4.5 Completion and delivery. The Firm determines in good faith, using its professional judgment, when the agreed Audit and Action Plan have been materially completed. The Initial Deliverables are delivered when the Firm provides them in a reasonably usable electronic form or makes them securely accessible and sends written notice of completion and delivery to the Client's designated address. The Client's satisfaction, agreement with recommendations, disclosure of business results, or realization of financial benefits is not required for delivery. The Firm may correct material factual errors appropriately identified in writing, but such corrections do not automatically suspend a validly due payment.

4.6 The Client may inspect delivered Initial Deliverables for reasonable review, but obtains the permanent internal-business-use license only after all validly due service fees owed to the Firm have been paid under Section 17. No ownership of the Firm's underlying systems, software or methodology is transferred.

5. Two Included Months of Implementation Oversight

5.1 The full founding engagement includes two months of implementation consultation and coordination at no additional service fee. The period becomes available after delivery of the Audit and Action Plan and payment of the contractually due second installment. The fee is binding at the original purchase; the second installment is not a new or optional purchase or payment contingent on financial results.

5.2 The Included Oversight Period begins when the remaining service-fee balance owed to the Firm has been paid and cleared and continues for two consecutive calendar months, subject to applicable excusable delays or an extension expressly agreed in writing. The Firm will notify the Client when the period commences. Non-use does not cancel the full-fee payment obligation or create a refund right.

5.3 Within reasonable engagement scope, the Firm may provide strategic implementation advice, relevant specialist sourcing and introductions, provider comparisons, scope and price reviews, specialist briefs, context transfer, cross-provider coordination, decision research, progress interpretation, and proposed adjustments to chosen initiatives.

5.4 Nature of oversight. The Firm supervises and coordinates strategically; it does not itself become the provider of separately contracted specialist services. The Client remains responsible for granting access, approving budgets, entering contracts, directing staff, and making final decisions. The Firm has no power to bind the Client, incur expenses, or appoint a provider in its name unless explicitly authorized by a separate written instrument.

5.5 Support is responsive to genuine operational needs and reasonable mutual availability. It does not include 24/7 availability, emergency services, daily embedded executive management, unlimited calls, unlimited research, guaranteed introductions, or indefinite operating support. Meetings and communications may be grouped by the Firm to minimize disruption and enable efficient work.

5.6 The dated Audit remains a historical record of the information and judgments available at the time. Subsequent observations, decisions, specialist activity, and results may be maintained separately in a living consultation environment. The Firm is not required to continually revise the historical Audit to reflect later business events.

6. Excluded Services and Third-Party Costs

6.1 Unless separately agreed in writing, the fee excludes direct execution of advertising campaigns, website/software development, creative production, recruitment placement, legal/accounting/medical/investment advice, administration of regulated activities, direct purchase of media, and performance of outside contractors' work.

6.2 The Client is solely responsible for separately approved provider fees, ad spending, subscriptions, platform fees, employment expenses, travel, purchases and third-party costs. No external spending is authorized solely by a recommendation; Client approval and the applicable provider's agreement are required.

6.3 Any separately agreed execution services require a distinct scope and risk allocation. A recommendation or introduction does not create a contract between the Firm and the Third-Party Provider on the Client's behalf.

7. Client Authority, Decisions and Commercial Responsibility

7.1 Final authority remains with the Client. The Client alone makes or authorizes business decisions, including pricing, personnel decisions, expenditures, hiring, contracts, financing, acquisitions, market entry, compliance measures, and implementation choices. The Client may accept, modify, reject, postpone, or act differently from the Firm's recommendations.

7.2 The Client bears the commercial consequences of its chosen actions and inactions, its management decisions, and the conduct of its officers, employees, representatives, and independently retained Third-Party Providers, except to the extent a particular loss is legally attributable to the Firm's own breach or other non-excludable liability.

7.3 The Firm may record its own recommendation, management's chosen alternative, the available evidence, and material cautions without representing that all alternatives were equally supported by the evidence.

7.4 The Firm does not guarantee revenue, profit, savings, rankings, valuations, financing, customer growth, market share, operational performance or success of an initiative. The full binding engagement fee is not conditioned on proving, achieving or disclosing any particular business outcome.

7.5 Client acknowledges that estimates, scenarios, opportunity values, projections, and comparisons depend on assumptions and changing market conditions. They are decision-support tools rather than guaranteed realized cash returns.

7.6 The Client is responsible for securing its own independent regulated professional review whenever a decision requires it. The Firm may identify the need for such review but is not responsible for replacing regulated professionals.

8. Client Materials, Cooperation and Lawful Access

8.1 The Client will provide information and access reasonably necessary for the agreed work; identify a single authorized primary contact; give timely answers, corrections and approvals; and facilitate access to relevant personnel where feasible.

8.2 The Client warrants that materials and instructions it provides are, to the best of its knowledge, accurate and not deliberately misleading; that it has the rights and lawful basis to disclose them; and that it will disclose known material limitations, unlawful circumstances, and conflicts relevant to the work.

8.3 The Firm is entitled to assess and test evidence independently but is not responsible for hidden fabrication, forged records, material omissions, or unauthorized data supplied by the Client that could not reasonably be discovered during the agreed investigation. The Client is responsible for consequences caused by its concealment, false statements, or unauthorized disclosure.

8.4 The Client remains responsible for maintaining its systems, accounts, backups, access permissions, cybersecurity, records and regulatory compliance. The Firm may request properly limited access but is not deemed the administrator or custodian of every Client system.

8.5 If essential information or approvals are missing, the Firm may revise the timetable, conduct a proportionate alternative investigation, suspend the affected work, or terminate in accordance with Section 15. Time spent responding to client-caused delays or changed requirements may be separately scoped if material.

8.6 The Client must promptly inform the Firm if authorization to access or process any dataset changes or if sensitive information was supplied inadvertently.

9. Schedule, Dependencies and Communications

9.1 No guaranteed Audit deadline. Unless expressly agreed in a separately signed scope, all dates, milestones and scheduling communications are estimates, not binding delivery dates. The Firm retains reasonable discretion over the sequence, timing and allocation of work. The Firm must still perform its agreed obligations with reasonable professional care and within any reasonable time legally required.

9.2 Client-caused delays, unavailable evidence, inaccurate records, third-party delays, complexity, material scope changes, illness, security restrictions, infrastructure problems and force majeure may extend scheduling. These circumstances do not by themselves establish a breach by the Firm. The Firm may invoke Section 15 if continued work becomes impracticable.

9.3 Communications may occur through approved email, workspace, video or telephone channels. Sensitive materials should use approved secure transfer methods. Ordinary service communications are separate from consent to receive unrelated marketing.

9.4 The Firm may rely on instructions from the Client's designated authorized representative until written notice of a change.

10. Founding Fee, Currency, Taxes and Payment

10.1 Binding purchase and total fee. At original checkout the Client agrees to purchase one complete founding engagement for USD $4,600, payable in two installments: USD $850 immediately and USD $3,750 on delivery of the Audit and Action Plan. The first installment is partial payment of the full fixed fee, not the entire purchase price for the Audit. The second installment is a binding obligation, not an optional upgrade or pay-for-results fee.

10.2 Firm-determined completion and manual invoice. When the Firm determines in good faith that the agreed Audit and Action Plan have been materially completed and delivers them under Section 4.5, the Firm will manually send the Client its USD $3,750 second-installment invoice or payment link. The invoice becomes due upon issue and must be settled within five Business Days, unless both parties expressly agree in writing to waive, reduce, postpone or otherwise modify the payment obligation. The Client's unilateral disagreement, later business results or failure to disclose financial data does not alter the obligation. The Firm may not invoke the completed-delivery milestone for work it has not materially performed.

10.3 No value or disclosure condition. The debt is not dependent on the Client's satisfaction, agreement with findings, subsequent profit or revenue, proved monetary savings, financial-data disclosure, implementation, or willingness to use the included two-month oversight. Client silence or refusal to report business results does not excuse a due installment. No new continuation election or post-Audit payment agreement is required.

10.4 Manual payment collection. The second installment is collected manually: the Firm sends the invoice or payment link following completion and delivery; the Client pays using an authorized method. The Firm does not automatically debit a stored card or bank account for the second installment. A valid debt is distinct from authorization to make a payment-card or bank debit. If the Client fails to pay, the Firm may pursue lawful collection of properly due sums.

10.5 Included oversight. After the due balance clears, the Client is entitled to the two included months under Section 5 without a separate service fee. Nonpayment permits reasonable suspension of remaining services and restrictions on unpaid deliverable-use rights, but does not extinguish a properly accrued debt.

10.6 Currency, taxes and external charges. Amounts are in USD unless expressly agreed otherwise. Applicable taxes and payment charges must be disclosed and handled in accordance with law. The Client pays its own currency conversions and approved third-party expenses.

10.7 Late payment. Following reasonable written notice, the Firm may suspend further performance, withhold final usage rights for unpaid deliverables where lawful, and seek properly due sums and legally recoverable collection expenses. No unsupported late penalty is created.

10.8 The parties acknowledge applicable payment-processor terms and that valid chargebacks or legal payment reversals may occur. The Firm may preserve order, delivery, invoice and correspondence records to document the debt.

11. Final Payments, Refunds, Cancellations and Payment Disputes

11.1 All payments final. To the maximum extent permitted by law, payments once accepted are non-refundable. Dissatisfaction, buyer's remorse, non-use of work, disagreement with recommendations, refusal to share financial outcomes or change in business plans neither creates a refund right nor cancels a validly due installment.

11.2 Written mutual exception. A voluntary refund, credit or negotiated settlement will be provided only when both parties expressly approve it in writing. Nothing limits refunds or remedies required by non-waivable law, legally actionable breach, fraud or payment error, a binding judgment, or applicable processor/card-network rules.

11.3 Firm refusal after purchase. If the Firm declines, suspends or ends work for the reasons described in Section 15, the parties may agree in writing to a partial or complete refund, an alternative scope or settlement; no voluntary refund arises solely because the Firm exercises its contractual rights. The Firm cannot exclude repayment or remedies where nonperformance or another breach legally requires them.

11.4 The Client may use lawful dispute and chargeback channels. The Firm may provide accepted terms, invoices, delivery evidence and legitimate transaction records in response.

11.5 Validly due installments remain payable subject to applicable legal defenses; the Firm may recover reasonable costs and damages arising from knowingly fraudulent representations only where law permits.

12. No Outcome-Contingent Payment or Value Test

12.1 Full price agreed upfront. The total founding fee is contracted at original checkout. There is no minimum proved monetary value, savings, revenue growth, profit improvement, ROI threshold, client-reported results, satisfaction condition or subsequent election required for the second installment to become due following contractual delivery.

12.2 The Client retains full authority over its business decisions and its own financial systems. Choosing not to disclose post-Audit results, declining to implement an Action Plan, disagreeing with an identified opportunity, or choosing not to use the Included Oversight Period does not excuse the balance owed.

12.3 The full-fee and delivery-based installment terms are those affirmatively accepted by the Client at original checkout. No preliminary discussion or earlier draft changes these obligations absent an authorized written agreement of both parties. An existing Client's accepted contractual terms cannot be retroactively replaced by a later website update without legally valid agreement.

12.4 The Firm does not guarantee specific realized commercial outcomes. The Client may identify actual material delivery deficiencies for reasonable correction under Section 14, and retains legally required remedies for actionable nonperformance. The Firm may not claim delivery of an Audit and Action Plan that were not materially performed merely to accelerate payment.

12.5 The Firm may agree in writing to individual payment concessions or settlements, but no change is binding without written approval by its authorized representative.

13. Founding Referral Concession

13.1 Before the Client pays its second installment, it may make one consensual introduction of an independently qualified business owner who becomes a paying founding-engagement client of the Firm. If the Firm confirms the referred owner's qualification, attribution, accepted order and cleared payment, the referring Client's remaining balance is reduced to USD $1,875, for a total founding service fee of USD $2,725.

13.2 The concession applies at most once, is not stackable, is not transferable or redeemable for cash, and is not retroactively paid as a refund against amounts already paid. No reduction exists until qualification is expressly confirmed by the Firm.

13.3 The Client must obtain appropriate permission before providing another person's contact details and must comply with applicable marketing, privacy, disclosure and professional-conflict requirements. The Firm may reject a referral that does not qualify or creates a material compliance or conflict concern.

14. Deliverable Review, Corrections and Additional Work

14.1 The Client may identify reasonably specific factual errors, omitted agreed elements, or material nonconformities in the delivered Audit or Action Plan by written notice. The Firm will consider and, where appropriate, correct issues attributable to the Firm within commercially reasonable time.

14.2 Correction of a genuine material error is distinct from a new request to investigate an unrelated topic, rebuild the entire report after changed objectives, or provide a new specialist service. Such requests may require a separately approved scope and fee.

14.3 Completion and delivery are determined by the contracted professional outputs, not the Client's subjective preference, agreement with conclusions, later financial disclosures or future financial results. The payment obligation is governed by Sections 10 and 12.

14.4 The Firm may use qualified personnel, independent collaborators, authorized tools and approved subcontractors to perform the work, subject to applicable confidentiality, security and professional obligations.

15. Term, Suspension and Termination

15.1 The Agreement begins on accepted purchase and continues through delivery, the Included Oversight Period when paid, and applicable surviving obligations, unless validly ended sooner.

15.2 Either party may notify the other of a material breach and allow a reasonable 10-Business-Day cure period where the breach is capable of correction, except where urgent action is needed.

15.3 Firm right to refuse and suspend. The Firm may decline or suspend services, or terminate on notice where appropriate, in cases of unlawful instructions, fraud, abusive conduct, serious security threats, substantial misrepresentation, missing indispensable records, persistent non-cooperation, material unexpected complexity, genuine technical infeasibility or other circumstances making continued work professionally inappropriate or impracticable. The Firm must exercise this discretion in good faith and subject to non-waivable legal duties.

15.4 The Firm may reasonably pause work, revise scope or schedule, or propose limited alternative deliverables when the Client's failures or material external constraints prevent normal fulfillment. A pause does not automatically create a refund right or excuse a balance already validly earned.

15.5 Payment and termination. Fees paid remain subject to Section 11. A refund on a Firm-initiated refusal may be negotiated and must be documented by mutual written agreement, except where an independent legal obligation requires otherwise. Termination before material delivery does not automatically accelerate an unearned second installment. The Firm may pursue previously earned amounts and approved outside expenses.

15.6 Rights to completed client-specific deliverables are conditioned on full payment as stated in Section 17. On termination, the parties shall handle confidential records under Section 19, preserving legally required materials and records of disputes. Surviving IP, payment, confidentiality, privacy, liability, indemnification and dispute obligations remain effective.

16. Independent Specialists, Introductions and External Parties

16.1 Third-Party Providers are independent of the Firm unless a separate written contract expressly provides otherwise. The Client evaluates and engages them under its own terms and at its own expense.

16.2 The Firm may recommend, compare, vet, brief, coordinate or monitor providers within the agreed scope. Such involvement does not make the Firm employer, insurer, guarantor, joint venturer, or contractual principal of that provider.

16.3 The Firm is not responsible for independent Third-Party Provider acts, omissions, representations, employment obligations, security breaches or contractual defaults merely because the provider was introduced or evaluated. The Firm remains responsible, subject to the Agreement's limitations, for its own expressly contracted work and any liability the law does not permit it to exclude.

16.4 The Client will not direct a provider to rely on a deliverable prepared by the Firm as an authorization to incur expenses or change systems without an authorized Client approval.

16.5 Any material referral fee, ownership interest, commission, or other financial conflict affecting a recommended provider will be disclosed before the relevant provider is selected. The Client retains the choice of provider; no exclusivity or obligation to hire a referral is imposed.

17. Proprietary Materials, Intellectual Property and License

17.1 Firm ownership retained. All Firm Materials remain solely owned by or licensed to the Firm, including the Audit methodology, management-model reconstruction, evidence-acquisition and feasibility processes, market mapping, proprietary frameworks, action sequencing and decision architecture, prompts, agents, automations, systems, software, source code, data structures, generalized know-how, templates, designs and future improvements. Neither payment nor delivery conveys ownership of these materials.

17.2 The Client retains ownership of its pre-existing company records, confidential business data, trademarks and materials it lawfully supplies.

17.3 Upon delivery of the Initial Deliverables and full payment of all properly due service fees owed to the Firm, the Client receives a perpetual, non-exclusive, non-sublicensable, royalty-free license to use the final client-specific Audit and Action Plan internally, subject to this Agreement. Before full payment, any access is limited to reviewing delivery and reporting specific material deficiencies; further use, redistribution or commercial exploitation is not licensed, subject to mandatory law. Third-party material rights remain with their owners.

17.4 The Client may confidentially provide relevant extracts or copies of the delivered Audit and Action Plan to its employees, accountants, lawyers, lenders under confidentiality, potential acquirers under appropriate restrictions, and duly retained implementation specialists, solely for the Client's legitimate business purposes. The Client is responsible for ensuring such recipients respect confidentiality and proprietary restrictions.

17.5 The Client may not sell, publish, license, distribute, train a competing system on, reverse-engineer, extract, duplicate or commercialize the Firm's underlying methodology, software, proprietary templates, logic, tools or non-public systems; nor may it give a third party access for the purpose of replicating a competing analytical service. The Firm may seek available injunctive or other equitable relief against misuse where legally appropriate.

17.6 The Firm may reuse general professional knowledge, skills, generalized methods and independently developed improvements, without revealing the Client's confidential information or identifiable case facts. The Client's purchase does not create exclusive rights to general research methods or prevent the Firm from serving others.

17.7 No right to the Firm's brand, marks, internal software, source code or general platform is granted except for access necessary to receive the contracted services.

18. Confidentiality and Publicity

18.1 Each party shall use the other's confidential non-public information only for purposes connected with the engagement and protect it using reasonable safeguards. Access is restricted to personnel, authorized subcontractors, legal or professional advisors, and service providers with a legitimate need to know and appropriate confidentiality duties.

18.2 Confidential information excludes information independently developed without use of the other party's secrets, already lawfully known without restriction, lawfully obtained from another source, or publicly available without breach of an obligation.

18.3 If legally compelled to disclose confidential information, the receiving party may do so to the minimum extent required and will provide advance notice where legally permissible and reasonably practicable.

18.4 Confidentiality duties continue for five years after termination, except that qualifying trade secrets and specially protected personal information remain protected for as long as applicable law requires or the information remains legally protected.

18.5 No automatic case-study permission. The Firm will not publicly disclose the Client's name, logo, identifiable screenshots, confidential financial results, testimonial, or identifiable engagement story as marketing material without separate affirmative written authorization covering the intended use.

18.6 The Client may make truthful statements about its experience but may not unlawfully disclose the Firm's trade secrets, proprietary systems or another party's confidential information, impersonate the Firm, or misrepresent altered work as the Firm's authentic conclusions.

19. Privacy, Data Use, AI and Security

19.1 Information and purposes. In connection with prospective and active commercial engagements, the Firm may collect business contact details, communications, business records, financial and operational information supplied by the Client, interviews, recordings where authorized, and technical or transaction records needed to administer the service. Information is used to investigate the business, deliver advice and reports, manage the client relationship, communicate, arrange payments, maintain security, comply with law and document legitimate disputes. The Firm will limit collection to information reasonably necessary for these purposes and will not use identifiable information for unrelated purposes without appropriate legal authority or consent.

19.2 No selling client information. The Firm does not sell, rent, commercially trade or license confidential business records or personal information to data brokers, advertising networks or unrelated parties for their own independent commercial purposes. Client business information remains the Client's information.

19.3 Operational providers and AI. Reasonably necessary hosting, payment, communications, recording/transcription, security and AI service providers may process limited information on behalf of the Firm for service delivery. The Firm will use reasonable diligence in selecting such providers and appropriate contractual or technical safeguards. AI tools may assist analysis, research, organization and drafting. The Firm does not intentionally authorize generalized third-party model training on identifiable confidential Client records without separate appropriate authorization. The Firm remains responsible for its own applicable obligations.

19.4 Confidentiality and safeguards. The Firm will apply reasonable access restrictions, technical and administrative security measures, and proportionate confidentiality procedures. No service can guarantee absolute security. The Client remains responsible for its own systems, employees, access permissions and independently engaged providers. The Firm will respond to suspected incidents and make notifications where required by law. This section does not waive statutory privacy duties.

19.5 Sensitive records. The Client should not send identifiable patient or medical data, payment-card credentials, government IDs, passwords or comparably sensitive regulated records without advance written agreement on lawful access and suitable controls. De-identified, aggregated or redacted information should be used where possible. The Firm may refuse or remove unexpectedly supplied sensitive data.

19.6 Retention and cross-border handling. Records may be retained for as long as reasonably necessary to deliver the engagement, maintain legitimate business and financial records, address disputes and meet applicable legal obligations, then securely deleted or appropriately restricted. Providers may process information in other countries, where permitted and subject to appropriate safeguards and required disclosure. The Firm will honor applicable requests for access or correction and address lawful deletion or privacy complaints.

19.7 Privacy requests. For information about the categories of data held, processing practices, service providers, access/correction requests or privacy complaints, contact venisionco@gmail.com. The legal operator and notice address appear in Section 28. The Firm is accountable for information under its control as applicable law requires.

19.8 Marketing. Service notices and necessary transaction communications are distinct from unrelated promotional marketing, which will be handled in accordance with applicable consent and unsubscribe requirements. Accepting these Terms alone does not provide unrestricted marketing consent.

20. Interviews, Recordings and Delivery Records

20.1 With appropriate advance notice and legally required consent, the Firm may record or transcribe interviews and meetings to preserve context, improve accuracy and fulfill the engagement. Recordings and identifiable excerpts are not public marketing materials without separate written authorization. If recording is declined, reasonable written-note alternatives may be used where practical.

20.2 Deliverables may be provided through secure electronic documents or other reasonably usable digital methods chosen by the Firm. No particular application, hosted software service, continuing online access, proprietary source code or system-maintenance arrangement is included or guaranteed by this Agreement.

20.3 The Firm may retain necessary engagement correspondence, accepted terms, invoices, delivery notices, relevant work records and legally required files to document contractual performance, address disputes and satisfy applicable obligations. The Client's permitted use of deliverables and intellectual-property restrictions are governed by Section 17, and personal-information return or deletion requests by Section 19.

21. Warranties, Disclaimers and Reliance

21.1 The Firm warrants reasonable professional care in performance of the agreed services and reasonable efforts to correct material deliverable nonconformities attributable to its work when reasonably notified.

21.2 Except for express contractual obligations, and to the maximum extent permitted by law, no other warranty is made, including implied warranties of merchantability, fitness for a particular commercial purpose, non-infringement, or uninterrupted availability of a third-party platform.

21.3 No specific business outcome, commercial return, provider performance, future market condition, tax treatment, regulatory outcome, investment result or revenue increase is promised. The full price is not contingent on a proved or disclosed economic return, and the second installment becomes due upon the delivery milestone in Section 10.

21.4 Outputs are prepared for the Client's internal decision-making. No investor, lender, buyer, service provider or unrelated third party becomes a beneficiary of this Agreement or obtains a right to rely on the Firm as their adviser without the Firm's separately signed agreement.

21.5 The Client is responsible for obtaining independently qualified advice when required and for independently verifying matters that are regulated, outside the agreed scope, or materially dependent on third-party information.

22. Limitation of Liability and Excluded Losses

22.1 MAXIMUM CUMULATIVE LIABILITY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE FIRM'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO A SPECIFIC ENGAGEMENT, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), MISREPRESENTATION OR OTHERWISE, SHALL NOT EXCEED THE TOTAL SERVICE FEES ACTUALLY PAID TO THE FIRM BY THE CLIENT FOR THAT ENGAGEMENT. THIRD-PARTY SPENDING, CUSTOMER IMPLEMENTATION BUDGETS, AND AMOUNTS NEVER PAID ARE NOT INCLUDED IN THIS CAP.

22.2 EXCLUDED LOSSES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE FIRM IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL LOSSES; LOST PROFITS, REVENUE, OPPORTUNITY, GOODWILL, EXPECTED SAVINGS OR BUSINESS INTERRUPTION; OR LOSS CAUSED BY INDEPENDENT PROVIDERS OR CLIENT-SELECTED ACTIONS, EXCEPT TO THE EXTENT A PARTICULAR EXCLUSION IS UNLAWFUL OR A LOSS IS DIRECTLY ATTRIBUTABLE TO NON-EXCLUDABLE CONDUCT OF THE FIRM.

22.3 The limitations are a material part of the fee and risk allocation. The Firm would not offer the engagement at the stated price while assuming uncapped liability for the Client's operations or investments.

22.4 Nothing excludes or limits liability to the extent it cannot legally be excluded or limited, including applicable statutory obligations and liability for fraud or deliberate wrongdoing where exclusion is prohibited. Courts may also scrutinize limitations involving gross negligence or particular privacy obligations. All caps and exclusions remain subject to applicable law and judicial interpretation.

22.5 Claims cannot be multiplied by framing the same underlying loss under multiple legal theories or by joining affiliated persons or service recipients. The aggregate cap, where enforceable, applies across the related claims concerning the engagement.

23. Client Indemnification

23.1 To the fullest extent permitted by law, the Client will defend, indemnify and hold harmless the Firm and its authorized personnel, advisors, contractors and successors against third-party claims, reasonable defense costs, judgments and settlements arising from: (a) unlawful, infringing or unauthorized Client Materials; (b) the Client's misleading or materially incomplete disclosures; (c) Client instructions, decisions, unlawful activities or misuse of deliverables; (d) Client personnel or separately contracted providers; (e) Client breach of this Agreement or applicable law; or (f) unauthorized disclosure of personal or confidential information by or on behalf of the Client.

23.2 This indemnity applies only to the extent the claim is attributable to the Client-side matters described and does not require the Client to indemnify the Firm for losses caused by the Firm's own fraud, willful misconduct, or other liability that applicable law makes non-indemnifiable.

23.3 The Firm will provide reasonably prompt notice of a claim, allow the Client reasonable participation in defending it, and cooperate as appropriate at the Client's expense. The Firm may retain its own counsel where necessary to address a conflict of interest. No settlement imposing an admission, nonmonetary obligation, or restriction on the Firm may be entered without the Firm's written consent.

24. Dispute Resolution; Ontario Law

24.1 The parties will first provide written notice describing a dispute with reasonable detail, supporting records where available, and the requested resolution. Authorized representatives will attempt good-faith resolution for 15 Business Days before commencing ordinary proceedings, except for urgent interim relief, non-waivable statutory proceedings, payment-network disputes, or approaching limitation periods.

24.2 Unless mandatory law requires otherwise, this Agreement is governed by the laws of Ontario and applicable federal laws of Canada, without regard to conflicts principles. The parties submit to courts of competent jurisdiction located in Toronto, Ontario, including the applicable small-claims forum where available, subject to mandatory procedural and jurisdictional rules.

24.3 The Firm may seek available interim or permanent injunctive relief for misuse of confidential information, infringement of intellectual property, unlawful access or threats to its proprietary systems without waiving other available remedies.

24.4 The Firm may seek recovery of properly owed fees and reasonable enforcement costs to the extent a court or applicable law permits. This Agreement does not impose an automatic penalty for lawful complaints, legitimate consumer or payment rights, or good-faith reports to regulators.

25. Force Majeure and External Disruption

25.1 Neither party is responsible for delay or failure of non-payment performance obligations to the extent directly caused by events beyond its reasonable control, including acts of God, flooding, fire, earthquake, epidemic or pandemic, war, terrorism, civil unrest, government restrictions, labor disruptions, widespread power or communications failures, and major third-party cloud/infrastructure interruptions not reasonably preventable by the affected party.

25.2 The affected party will give notice where reasonably practical, take commercially reasonable steps to reduce disruption, and resume performance when practicable. Deadlines are extended to the extent reasonably affected.

25.3 A party's lack of funds, ordinary operational inconvenience, avoidable mismanagement or preventable failure of reasonable security safeguards does not automatically constitute force majeure. Payments validly due for work already provided are not excused solely by this section.

25.4 If substantial disruption persists, either party may propose a revised schedule or terminate unperformed work after reasonable consultation. Rights concerning amounts already paid, accepted deliverables, and mandatory remedies continue to be governed by the Agreement and applicable law.

26. Non-Exclusivity; Independent Relationship

26.1 The Firm may serve other businesses, including companies operating in similar or competing industries, while complying with confidentiality duties and properly managing material conflicts. The Client receives no geographic or industry exclusivity unless separately purchased and expressly granted in writing.

26.2 The parties are independent contracting parties. The Agreement does not create an employer-employee relationship, partnership, joint venture, formal agency, power of attorney or automatic fiduciary relationship. The Firm may not make binding commitments in the Client's name without separate written authority.

26.3 The Firm may assign the Agreement in a bona fide transfer or reorganization of its business to a capable successor subject to appropriate protection of confidential information and notice where required. Other assignment is subject to prior written consent, not to be unreasonably withheld when lawful.

27. Contract Updates, General Provisions and Survival

27.1 Updates. The Firm may publish new Terms for future purchases and update nonmaterial operational processes in a manner consistent with existing obligations and applicable law. New website text does not retroactively alter an existing Client's accepted fees, payment milestones, refund policy, scope, confidentiality or other material legal protections. Material amendments to an active engagement require appropriate notice and agreement or legally valid consent.

27.2 Electronic records. The Agreement, service notices, approvals, accepted changes, and signatures may be exchanged electronically. The parties consent to legally effective electronic contracting methods and preservation of a reliable accepted-version record, subject to applicable law.

27.3 Notices. Legal notices should be sent to the designated contact details in Section 28 or an updated address notified in writing. Client notices may be sent to its designated order contact. Each party must maintain a valid contact address. Receipt and timing are subject to applicable law and available delivery records.

27.4 Severability. If any provision is invalid or unenforceable, the remainder stays effective to the extent consistent with the bargain and applicable law.

27.5 No waiver. Failure to enforce a right on one occasion is not a waiver of that or another right later.

27.6 Entire agreement. The documents identified in Section 1.4 constitute the full agreement on the engagement and replace inconsistent prior negotiations or representations, subject to written amendments and legally required disclosures.

27.7 Headings and interpretation. Section headings are for navigation. “Including” means including without limitation unless context demands otherwise. A right granted to the Firm may be exercised by its properly authorized representative.

27.8 Survival. Provisions governing payment disputes, authorized deliverable use, proprietary materials, confidentiality, lawful data retention, warranties and disclaimers, limitations, indemnification, disputes, and other duties intended to survive remain effective after completion or termination.

28. Legal Provider and Notices

28.1 Legal operator. The sole contracting service provider is Tahir Khatri, an individual carrying on business under his own full legal name in Ontario, Canada (the “Firm”). The Firm is not an incorporated limited-liability company. References to the “Markets Eye” Audit or offering describe the contracted service and do not identify a separate contracting entity. All rights and obligations of the provider under this Agreement belong to Tahir Khatri personally.

28.2 Legal and service notices. The Firm's designated address is 15 Briarfield Drive, Ontario, Canada, and the legal-notices and client-service email is venisionco@gmail.com. Written notices may be sent to this email, subject to Section 27 and applicable legal service requirements. The Client's notice contact is the address or email designated in its accepted order.

28.3 The individual accepting for a business warrants authority to bind the named Client. No additional person or affiliate becomes a contracting party solely through involvement in the engagement.

28.4 Subsequent incorporation or restructuring does not automatically replace the legal contracting party for existing engagements. Any valid assignment or assumption must comply with applicable law and this Agreement.

SCHEDULE A — FOUNDING ROUND COMMERCIAL SUMMARY

This Schedule forms part of the Agreement for founding-round purchases, together with the accepted checkout order.

By accepting this Agreement, the Client purchases the full USD $4,600 engagement. USD $850 is payable immediately and the USD $3,750 balance is payable following delivery of the Audit and Action Plan, whether or not the Client implements the recommendations. The included two-month oversight period begins after the balance is paid.