Terms and Conditions

Effective Date: March 11, 2026

Welcome to PPCT Management Systems Inc. These Terms and Conditions (“Terms”) govern your access to and use of our website, programs, products, services, and communications (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

1. Use of Services

You must be at least 18 years old to use our Services. If you are under 18, a parent or legal guardian must provide permission and complete enrollment or purchases on your behalf.

You agree to:

• Provide accurate information when registering or making purchases

• Maintain the confidentiality of your account credentials

• Use our Services only for lawful purposes

• Comply with all applicable local, state, and federal laws

PPCT Management Systems Inc reserves the right to refuse service, suspend access, or terminate accounts if these Terms are violated.

2. Training Notice and Assumption of Risk

Martial arts, fitness, self-defense training, and related activities involve physical contact and the risk of injury. By participating in any Services, you voluntarily assume all risks associated with participation, including the risk of minor or serious injury.

You agree to follow all safety instructions and to participate only within your physical limits. If you have any medical conditions or concerns, consult a medical professional before participating.

3. Intellectual Property

Our Services, including training materials, curriculum, videos, graphics, images, and other content, are the exclusive property of PPCT Management Systems Inc.

You agree not to reproduce, modify, display, sell, or distribute our materials or content in any way without our prior written permission.

4. User Content

You retain ownership of any content you submit through our Services (“User Content”).

By submitting User Content, you grant us a worldwide, royalty-free, non-exclusive license to use, reproduce, and modify it only as needed to operate our Services and communicate with you regarding scheduling, participation, and customer support.

5. Payments and Purchases

If you purchase products, memberships, or programs, you agree to provide accurate billing information and authorize us to charge the payment method you provide.

All fees are due as described at the time of purchase. Unless otherwise stated in writing, fees are non-refundable.

6. Warranty Disclaimer

Our Services are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied.

We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

7. Limitation of Liability

In no event will PPCT Management Systems Inc be liable for any damages, including but not limited to incidental, consequential, indirect, or punitive damages arising out of the use or inability to use our Services.

Our liability for damages will be limited to the amount of fees, if any, paid by you to us.

8. Termination

We may terminate or suspend access to our Services at any time, without notice, for any reason or no reason.

Upon termination:

• Your rights to use our Services will immediately cease.

• All curriculum assets, media, and training materials provided by us will remain the property of PPCT Management Systems Inc, and you will have no right to claim them as yours or use them in any way.

• You must immediately cease using any of our intellectual property, including trademarks, trade names, and copyrighted materials.

9. No Spamming

You agree not to use our Services to send unsolicited commercial messages (spam) or bulk messages.

You must comply with all applicable laws and regulations related to messaging.

10. SMS Messaging Terms

Consent for Calls and Text Messages

By providing your phone number and opting in, you consent to receive SMS text messages and phone calls from PPCT Management Systems Inc related to our services.

These messages may include:

• Appointment confirmations

• Class scheduling links

• Enrollment instructions

• Program reminders

• Service updates

• Customer support messages

• Promotional offers or announcements (if applicable)

Messages may be sent using automated technology.

Consent to receive text messages is not required as a condition of purchase.

Age Requirement

You must be at least 18 years of age to provide consent to receive SMS messages from PPCT Management Systems Inc, doing business as Federation of Israeli Martial Arts (FIMA). If you are under 18, SMS consent must be provided by a parent or legal guardian.

Message Frequency

Message frequency may vary depending on your interactions with PPCT Management Systems Inc. Users may receive multiple messages per week related to scheduling, reminders, promotions, or support.

Message and Data Rates

Message and data rates may apply based on your wireless carrier plan.

For details regarding messaging charges, please contact your wireless provider.

How to Opt Out (STOP)

You may opt out of SMS communications at any time by replying:

STOP

After sending STOP, you will receive a confirmation message and will no longer receive SMS messages from PPCT Management Systems Inc unless you opt in again.

Help and Support (HELP)

If you experience issues with our messaging service, reply:

HELP

or contact us at:

Email: [email protected]

Phone: (618) 476-3200

Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Data Usage & Privacy

Mobile opt-in data and SMS consent will never be shared, sold, rented, or disclosed to third parties or affiliates for marketing or promotional purposes.

For more information on how we collect and use personal information, please review our Privacy Policy

11. Privacy Policy

Our Privacy Policy forms a part of these Terms and Conditions. By using our Services, you acknowledge that you have read, understood, and agree to be bound by our Privacy Policy

12. Governing Law

These Terms will be governed by and construed in accordance with the laws of the State of Illinois, United States

Any disputes arising out of or related to these Terms will be resolved through binding arbitration in Illinois, in accordance with the rules of the American Arbitration Association (AAA).

13. Entire Agreement

These Terms constitute the entire agreement between you and PPCT Management Systems Inc regarding the use of our Services.

These Terms supersede all prior or contemporaneous agreements, whether written or oral.

14. Changes to Terms

We may modify or update these Terms at any time without notice.

Your continued use of our Services will be deemed acceptance of any changes to these Terms.

15. Contact

If you have questions regarding these Terms, please contact us:

PPCT Management Systems Inc

Email: [email protected]

Phone: (618) 476-3200

216 W Sand Bank Rd, Columbia, Illinois United States