These Terms and Conditions (the "Terms") govern your access to and use of the ApplyAZ platform, including www.applyaz.com, go.applyaz.com, italy.applyaz.com, and any other ApplyAZ-owned or operated websites, subdomains, dashboards, portals, landing pages, mobile interfaces, applications, and communication channels (collectively, the "Platform").

By accessing the Platform, creating an account, completing any form, uploading documents, making a payment, clicking any button or link that references these Terms, or otherwise using the Platform in any way, you enter into a binding legal agreement with ApplyAZ Inc. ("ApplyAZ," "we," "us," or "our") and acknowledge that you have read, understood, and agree to these Terms in their entirety.

IF YOU DO NOT ACCEPT THESE TERMS IN FULL, DO NOT ACCESS OR USE THE PLATFORM.

1. Nature of Service — Facilitation Platform Only

PLEASE READ THIS SECTION CAREFULLY. IT DEFINES THE SCOPE AND LIMITATIONS OF APPLYAZ'S ROLE.

ApplyAZ is a technology platform and administrative facilitation service only. Our role is strictly limited to providing digital tools, coordination, and administrative support to help you organize, prepare, and transmit information to independent third-party institutions and service providers. We act as an information intermediary and administrative coordinator, similar to how a travel booking platform connects travelers with airlines and hotels without providing the flights or accommodation itself.

Our facilitation services may include, without limitation:

• Providing technology tools to organize, manage, and track application-related information
• Helping you prepare, format, and organize documents based on information you provide to us
• Preparing draft application materials (including CVs, statements of purpose, and form entries) based on your instructions and the information you supply
• Coordinating the transmission of your information and documents to third-party institutions on your behalf
• Providing general informational guidance about application processes, timelines, and document requirements
• Sending reminders, checklists, and status updates
• Facilitating communication between you and our support team
• Coordinating scheduling of third-party appointments (such as visa appointments) based on available information

ApplyAZ is not, and does not hold itself out as, any of the following:

• An educational institution, university, college, or school
• A visa agency, immigration consultancy, or immigration law practice
• A housing provider, landlord, property manager, or real estate agent
• A travel agent, tour operator, or transportation provider
• An insurance provider, broker, or underwriter
• A financial advisor, lender, or banking institution
• A legal advisor, law firm, or paralegal service
• A medical advisor, healthcare provider, or health consultant
• An employment agency, recruiter, or career counselor
• A government agency or authorized representative of any government
• An accreditation body or quality assurance organization

ALL SUBSTANTIVE SERVICES ARE PROVIDED BY INDEPENDENT THIRD PARTIES

All substantive services — including but not limited to education, academic instruction, admissions decisions, degree conferral, grading, certification, housing provision, accommodation management, transportation, visa processing, immigration determinations, insurance coverage, medical services, scholarship adjudication, grant awards, financial aid determinations, employment services, and tour operation — are provided exclusively by independent third-party institutions and service providers under their own terms, conditions, licenses, accreditations, and liability frameworks.

ApplyAZ exercises no control over and assumes no responsibility for any decisions, actions, omissions, errors, delays, quality, safety, legality, accuracy, availability, outcomes, or consequences associated with any third-party service. Your engagement with any third-party service is entirely at your own risk.

2. Definitions

• "Content" means any information, text, images, documents, data, materials, or other content you submit, upload, transmit, or make available through the Platform.
• "Facilitation Fee" or "ApplyAZ Fee" means the fee charged by ApplyAZ for its administrative facilitation services, as displayed on the Platform at the time of purchase.
• "Marketing Materials" means all promotional content, advertising, website copy, social media posts, landing pages, brochures, presentations, emails, videos, testimonials, and any other materials created or distributed by or on behalf of ApplyAZ for promotional purposes.
• "Partner Institution" or "Partner" means any university, college, educational institution, housing provider, scholarship body, examination body, or other third-party entity with which ApplyAZ has a coordination or referral relationship. Partners are independent entities and are not agents, employees, or affiliates of ApplyAZ.
• "Qualifying Institution” means any university, college, academy, or educational body that meets one or more of the following criteria: (i) it is listed, confirmed, or displayed on ApplyAZ’s platform or internal panel at any time; (ii) it has been referenced, discussed, proposed, or confirmed in any communication between the User and ApplyAZ through any channel, including but not limited to WhatsApp, email, Telegram, phone call, video call, or any other written or verbal exchange; or (iii) it has issued an interview invitation or offer of admission for a program consistent with the academic background, field of study, prior qualifications, or documents submitted by the User to ApplyAZ. A Qualifying Institution need not be a Partner Institution.
• "Service Outcome" means any result, decision, determination, or event arising from a third-party service, including but not limited to admission decisions, visa outcomes, scholarship awards, housing assignments, and examination results.
• "Third-Party Fee" means any fee, charge, deposit, tuition, or payment due to a third-party institution or service provider, which is separate from and in addition to any ApplyAZ Facilitation Fee.
• "User," "you," or "your" means any individual or entity that accesses or uses the Platform.

3. Related Documents

These Terms incorporate by reference our Privacy Policy (available at www.applyaz.com/privacy-policy), any Refund Policy, and any service-specific terms or disclosures presented to you during your use of the Platform. In the event of a conflict, these Terms govern for service-related matters, the Privacy Policy governs for data protection matters, and service-specific terms govern for matters specific to that service.

4. Eligibility and Representations

By using the Platform, you represent and warrant that:

• You are at least 18 years of age or the age of majority in your jurisdiction, whichever is greater
• You have the legal capacity and authority to enter into a binding contract
• All information you provide is true, accurate, complete, current, and not misleading
• You are not prohibited by any applicable law, regulation, or court order from using the Platform
• If you are using the Platform on behalf of another person or entity, you have full legal authority to bind that person or entity to these Terms
• You will comply with all applicable local, provincial, state, national, and international laws and regulations

If any of the above representations become untrue at any time during your use of the Platform, you must immediately notify us and discontinue use.

5. Electronic Consent and Communications

By using the Platform, you consent to receive communications from ApplyAZ electronically, including through email, SMS, WhatsApp, in-dashboard notifications, push notifications, and other electronic channels. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

When you click "Proceed," "Submit," "Continue," "I Agree," "Book Now," or any similar button or link that references these Terms, the Privacy Policy, or any other agreement, your click constitutes your electronic signature and creates a binding agreement with the same legal force as a handwritten signature.

The statement "By proceeding you agree to ApplyAZ's Terms of Service and Privacy Policy" (or substantially similar language) displayed before or during any data collection point on the Platform constitutes a valid and binding mechanism for obtaining your agreement, and by proceeding past such notice, you confirm that you have read, understood, and accepted the referenced documents in their entirety. This acknowledgment applies regardless of whether the notice is accompanied by a checkbox, click-wrap button, or any other interactive element.

6. Account Security — Your Responsibility

You are solely and exclusively responsible for: safeguarding your login credentials, passwords, and all access credentials associated with your account; all activity that occurs under your account, whether or not authorized by you; notifying us immediately at team@applyaz.com if you suspect unauthorized access to your account.

We may require additional identity verification at any time. If you do not cooperate with verification requests, or if information you have provided appears inconsistent, incomplete, inaccurate, fraudulent, or otherwise suspicious, we may, in our sole discretion, suspend access, pause processing, restrict features, close your account, and refuse further service, without liability to you.

ApplyAZ will not be liable for any loss, damage, or consequences arising from unauthorized access to or use of your account.

7. Your Responsibilities

You acknowledge and agree that you are fully and solely responsible for:

• Providing authentic, complete, accurate, current, and non-misleading documents and information at all times
• Keeping all information on your account and in your submissions up to date
• Independently verifying the accuracy, completeness, and correctness of all forms, applications, and submissions before and after they are prepared or transmitted, including any materials drafted by ApplyAZ on your behalf
• Understanding and complying with all third-party requirements, rules, deadlines, portal instructions, and payment terms
• Reviewing all forms, drafts, and submissions when opportunities for review are provided, and notifying us in writing of any errors, corrections, or changes within the timeframes communicated to you
• Maintaining your own copies and backups of ALL documents, files, and records
• Meeting all third-party deadlines, examination dates, interview schedules, enrollment milestones, and other time-sensitive requirements
• Attending all required examinations, tests, interviews, and assessments on time and with proper documentation
• Achieving minimum scores, grades, or other performance thresholds required by institutions
• Complying with all applicable laws, regulations, visa conditions, and institutional rules
• Making your own informed decisions about health, safety, travel, finances, and all other matters
• Securing appropriate travel insurance, health insurance, and other coverage
• Conducting your own independent due diligence on all institutions, programs, and services

You are responsible for all consequences arising from late, missing, incomplete, inaccurate, or inconsistent information or documents; failure to meet deadlines or requirements; failure to review materials when given the opportunity; failure to attend required events; failure to achieve required scores; failure to comply with third-party rules; or any other act or omission on your part.

8. No Guarantees, No Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, APPLYAZ MAKES NO REPRESENTATIONS, WARRANTIES, GUARANTEES, OR PROMISES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

• Admission to any program, institution, or course of study
• Visa approval, immigration permission, or any government authorization
• Scholarship, grant, bursary, tuition waiver, or financial aid award
• Housing quality, safety, location, availability, or suitability
• Program quality, content, accreditation, recognition, or delivery
• Employment outcomes, career prospects, or earning potential
• Safety, security, or well-being at any destination or program
• Accuracy, timeliness, reliability, or quality of any third-party service or information
• Availability or continuity of any program, service, or institution
• Compliance by third parties with their own obligations, terms, or promises
• Any specific financial outcome, return on investment, or cost savings
• Accuracy of any information displayed on the Platform, including program details, fee amounts, scholarship values, deadlines, and requirements

THE PLATFORM AND ALL SERVICES, CONTENT, AND MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND. To the maximum extent permitted by law, ApplyAZ expressly disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and any warranties arising from course of dealing or usage of trade.

ApplyAZ's facilitation services are limited to administrative coordination and information transmission. We do not warrant or guarantee the outcome of any process, application, or submission we facilitate. The ultimate decision on any application, visa, scholarship, or other matter rests entirely with the relevant third-party institution or authority.

9. Marketing Materials, Promotional Content, and Testimonials Disclaimer

THIS SECTION IS CRITICAL. PLEASE READ IT CAREFULLY.

All Marketing Materials, including but not limited to website content, landing pages, social media posts, advertisements, email campaigns, brochures, presentations, webinars, videos, testimonials, success stories, student profiles, case studies, statistics, data points, program descriptions, fee estimates, scholarship amounts, and any other promotional content, are provided for general informational and illustrative purposes only.

Marketing Materials may contain:

• Illustrative or representative content: Testimonials, success stories, student profiles, photographs, names, financial figures, outcomes, and other content may be illustrative, representative, composite, anonymized, or hypothetical. They may not reflect the experience of any actual individual user.
• Forward-looking or aspirational statements: Statements about potential outcomes, program benefits, scholarship amounts, earning potential, or other future-oriented claims are aspirational only and are not guarantees or promises.
• Estimated or approximate figures: Numbers, statistics, percentages, dollar amounts, scholarship values (including any references to €8,000/year grants or similar figures), fee estimates, and other numerical claims are approximate and subject to change without notice. Actual amounts depend entirely on third-party institution policies, government decisions, individual circumstances, and other factors beyond ApplyAZ's control.
• Conditional or qualified statements: Phrases such as "guarantee," "guaranteed admission," "100% money-back guarantee," "100% refund," "we secure your seat," "we guarantee," or similar language used in Marketing Materials are always subject to and qualified by these Terms and any applicable Refund Policy. Such language is intended to describe the general nature of the service offering and does not create any independent contractual obligation beyond what is expressly stated in these Terms and the applicable Refund Policy.
• Stock images and illustrative photography: Images, photographs, and visual content used in Marketing Materials may be stock images, staged photographs, AI-generated imagery, or otherwise illustrative. They may not represent actual students, actual institutions, actual locations, or actual program environments.

Individual results vary significantly based on academic background, personal circumstances, document quality, institution policies, government regulations, visa processing times, scholarship availability, housing market conditions, exchange rates, and numerous other factors entirely beyond ApplyAZ's control. No past outcome, testimonial, case study, or statistic guarantees, promises, or predicts any future result.

In the event of any conflict between Marketing Materials and these Terms, these Terms shall prevail. You agree not to rely solely on Marketing Materials when making decisions about using the Platform or engaging third-party services. You are encouraged to conduct your own independent research and due diligence.

10. Authorization and Instructions

By creating an account, submitting forms, uploading documents, selecting programs, confirming workflow steps, making payments, or taking any action on the Platform that initiates a service workflow, you expressly authorize and instruct ApplyAZ to:

• Process, organize, format, and prepare your information and documents for submission
• Transmit your information and documents to relevant third-party institutions and service providers
• Communicate with third parties on your behalf regarding your applications and service requests
• Take reasonable actions to advance the workflows you have initiated

If you do not want certain information transmitted or certain actions taken, you must notify us in writing at team@applyaz.com before the relevant action occurs. Once information has been transmitted to a third party or an action has been completed, we may not be able to recall, reverse, or undo it.

Silence, inaction, or failure to object within communicated timeframes constitutes authorization to proceed with the next steps in your workflow.

11. Third-Party Services, Portals, and Providers

CRITICAL DISCLAIMER

Once information is submitted to universities, housing providers, visa authorities, government agencies, or any other third party, that recipient processes it under their own independent rules, policies, terms, and legal frameworks. Third parties are not agents, employees, contractors, or affiliates of ApplyAZ. They act entirely independently.

ApplyAZ is not responsible for and disclaims all liability related to:

• Any decisions made by third parties, including admission decisions, visa determinations, scholarship awards, housing assignments, and all other Service Outcomes
• Third-party refund policies, cancellation policies, or fee structures
• Third-party timelines, delays, processing errors, or rule changes
• Third-party portal outages, technical issues, or system failures
• Third-party service quality, accuracy, availability, or reliability
• Third-party acts, omissions, negligence, fraud, or misconduct
• Changes to third-party programs, fees, requirements, policies, or availability, whether or not notice is given
• Third-party compliance (or non-compliance) with their own obligations, terms, or legal requirements

Some third-party portals require direct user access or user-initiated actions that cannot be performed by ApplyAZ. You are solely responsible for completing any required user-only steps promptly and in accordance with third-party instructions.

ApplyAZ may provide information about third-party institutions, programs, and services for your convenience. Such information is provided on an "as-available" basis and may not be current, complete, or accurate. You must independently verify all information about third-party services directly with the relevant provider.

12. Partner Institutions and Relationships

ApplyAZ maintains coordination and referral relationships with various universities, colleges, educational institutions, and service providers ("Partners"). These relationships facilitate information exchange and application coordination.

Partners are independent entities. They are not agents, affiliates, subsidiaries, joint ventures, or representatives of ApplyAZ. ApplyAZ does not control, direct, supervise, or assume responsibility for Partner actions, decisions, policies, quality, operations, or compliance.

ApplyAZ may receive commissions, referral fees, or other compensation from Partners. Such compensation does not create an agency, employment, or fiduciary relationship between ApplyAZ and any Partner, and does not impose any additional obligation or liability on ApplyAZ.

Partners may not make claims, promises, or representations on behalf of ApplyAZ that exceed the scope of these Terms. If a Partner makes any statement that conflicts with these Terms, these Terms shall prevail. ApplyAZ is not bound by any unauthorized representations made by Partners.

13. Payments, Fees, and Refund Policy

A) ApplyAZ Facilitation Fees

ApplyAZ charges Facilitation Fees for its administrative and coordination services. Fee amounts and service package structures are displayed on the Platform at the time of purchase and may vary by service package, market, and program. By providing payment, you authorize the applicable charges.

Facilitation Fees compensate ApplyAZ for its administrative coordination services, not for any third-party Service Outcome. Facilitation Fees are structured as a single bundled service package covering all stages of the facilitation process. Partial payment of any one milestone fee does not satisfy, reduce, or extinguish any other outstanding milestone obligation under the package.

Admission Fee Trigger and Payment Deadline. The Admission Fee forms part of the bundled Facilitation Fee and becomes due and payable in full upon ApplyAZ securing a formal interview invitation, conditional or unconditional admission or offer letter email from an Institution on your behalf. You will be notified of the interview invitation or the admission via the Platform or any communication channel. The Admission Fee must be received by ApplyAZ within five (5) calendar days of the date such notification is delivered to you, notification can be delivered through an email from ApplyAZ to you, a call or meeting from your consular regardless of whether you confirm receipt.

Late Payment Penalty. If the Admission Fee is not received in full within five (5) calendar days of the trigger event described above, a late payment fee of €5.00 (or the CAD/INR/USD equivalent per calendar day shall accrue automatically from the sixth (6th) calendar day onwards until the outstanding balance including all accrued late fees is paid in full. Accrued late fees are a debt owed to ApplyAZ and are recoverable independently of the underlying Facilitation Fee.

Facilitation Fees, including the Admission Fee and any accrued late fees, are earned upon performance of the corresponding service milestone and are non-refundable once that milestone has been completed, regardless of the ultimate outcome of any institutional, visa, or other third-party process.

B) Third-Party Fees

Third-Party Fees (including but not limited to university tuition, application fees, examination fees, visa fees, embassy fees, housing deposits, insurance premiums, and transportation costs) are charged by and payable directly to third-party providers. ApplyAZ may facilitate the collection or transmission of Third-Party Fees as a convenience, but ApplyAZ is not the recipient of such fees and has no control over third-party pricing, billing, fee structures, or refund policies.

Third-Party Fees are governed entirely by the relevant third party's own terms and refund policies. If a third party refuses, delays, or fails to process a refund for any reason — including but not limited to institutional policy, administrative decision, regulatory restriction, processing error, or any other reason — ApplyAZ bears no obligation and assumes no liability to refund any Third-Party Fee on behalf of that third party. ApplyAZ is not a guarantor of third-party refunds.

C) Refund Policy for ApplyAZ Facilitation Fees

ApplyAZ's refund policy for Facilitation Fees is as follows:

General Rule: Facilitation Fees are earned upon performance of the corresponding service milestone and are generally non-refundable once the milestone has been completed, as the administrative work has been performed and cannot be undone.

Conditional Refund Commitments: Where ApplyAZ's Marketing Materials or Platform interface describe conditional refund commitments (such as milestone-based refunds tied to specific Service Outcomes), the following conditions and limitations apply:

• Eligibility: Refund eligibility requires that you have fully complied with all of your obligations under these Terms, including without limitation: providing accurate and complete information; meeting all deadlines; following all instructions; attending all required examinations, interviews, and assessments; achieving all prerequisite scores and requirements; and cooperating fully with all ApplyAZ and third-party processes.
• Claim Period: Refund requests must be submitted in writing to team@applyaz.com within fourteen (14) calendar days of the event giving rise to the refund claim (e.g., receipt of a formal rejection or denial). Late claims may be denied.
• Documentation: You must provide supporting documentation (such as official rejection letters, denial notices, or score reports) with your refund request. ApplyAZ reserves the right to verify all claims.
• Exclusions: Refunds are not available where: (i) you failed to comply with any of your obligations under these Terms; (ii) the Service Outcome resulted from your own act, omission, error, or default; (iii) you voluntarily withdrew, cancelled, or abandoned the process; (iv) you failed to meet prerequisite requirements that were within your control; (v) a Force Majeure Event (Section 17) caused or contributed to the outcome; (vi) a third-party institution changed its policies, requirements, timelines, or availability after the date of your enrollment; (vii) the third party provided the contracted service but you are dissatisfied with the quality or outcome; or (viii) you have initiated a chargeback or payment dispute.
• Refund Amount: Where a refund is approved, the refund amount is limited to the specific ApplyAZ Facilitation Fee paid for the specific disputed milestone only, less any applicable transaction fees, payment processor fees, currency conversion losses, and administrative costs. Refunds do not include Third-Party Fees, which are governed by the relevant third party's policies.
• Processing: Approved refunds will be processed within sixty (60) business days to the original payment method. Processing times may vary based on payment processor and banking institution timelines.
• No Consequential Damages: Refunds, where approved, are the sole and exclusive remedy. ApplyAZ shall not be liable for any consequential, incidental, indirect, or punitive damages, opportunity costs, lost profits, emotional distress, or any other losses arising from or related to the circumstances giving rise to the refund claim.

Currency and Exchange Rate Risk: Refunds are processed in the currency in which the original payment was received. ApplyAZ is not responsible for any loss, difference, or fluctuation arising from currency exchange rates between the date of payment and the date of refund.

D) Your Payment Responsibilities

You are responsible for:

• Reviewing all fee information, payment terms, and refund conditions before making any payment

• Ensuring that you understand and accept the payment structure, including which fees are payable to ApplyAZ and which are payable to third parties

• Notifying us of any payment error within twenty-four (24) hours of the transaction

• Paying all applicable taxes, duties, and charges associated with your use of the Platform and services

Chargebacks and Payment Disputes: You must contact ApplyAZ at team@applyaz.com before initiating any chargeback, payment dispute, or reversal with your payment provider. If you initiate a chargeback without first contacting us and allowing a reasonable period for resolution, we may: immediately suspend all processing and services; withhold any pending refunds; close your account; pursue recovery of the disputed amount plus all related fees and costs; and report the dispute to relevant credit and fraud databases.

14. Examinations, Interviews, and Service Outcomes

You are solely and exclusively responsible for:

• Registering for and attending all required examinations, tests, and interviews on time and with proper documentation
• Meeting all identity verification and eligibility requirements
• Achieving all minimum scores, grades, and performance thresholds required by institutions
• Passing all interviews, assessments, and evaluations
• Adequately preparing for all examinations and assessments

ApplyAZ cannot take examinations for you, cannot influence scoring or grading, and cannot influence interview outcomes or admission decisions. If you fail to meet minimum requirements established by a third party, ApplyAZ has fully performed its facilitation services up to that point, and all Facilitation Fees paid for completed milestones remain earned and non-refundable.

Service Outcomes (including admissions, visa decisions, scholarship awards, and all other third-party determinations) are made solely by independent third-party institutions and authorities. ApplyAZ has no influence over, control of, or responsibility for any Service Outcome.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

ApplyAZ, its directors, officers, shareholders, employees, contractors, agents, affiliates, and service providers (collectively, the "ApplyAZ Parties") shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or any damages whatsoever, arising from or related to:

• Use of or inability to use the Platform or services
• Any admission decisions, denials, deferrals, or waitlisting
• Any visa application outcomes, immigration determinations, or government decisions
• Housing quality, safety, condition, availability, location, or suitability
• Program cancellations, modifications, suspensions, deferrals, or quality
• Travel disruptions, delays, cancellations, or safety incidents
• Financial loss, lost opportunity, or opportunity cost
• Personal injury, illness, physical harm, emotional distress, or death occurring during or in connection with any program, travel, accommodation, or activity
• Third-party actions, omissions, errors, delays, negligence, fraud, or misconduct
• Force Majeure Events (Section 17)
• Data loss, system outages, technical failures, or security breaches
• Errors, inaccuracies, or omissions in Platform content or Marketing Materials
• Loss or damage to your documents, files, or personal property
• Actions or decisions you take based on information provided by ApplyAZ or displayed on the Platform
• Any other matter beyond the reasonable control of the ApplyAZ Parties

AGGREGATE LIABILITY CAP: If, notwithstanding the foregoing, any court or tribunal imposes liability on any ApplyAZ Party, the total aggregate liability of all ApplyAZ Parties combined for all claims of every kind shall not exceed the lesser of: (a) the total Facilitation Fees actually paid by you to ApplyAZ for the specific disputed service during the twelve (12) months immediately preceding the first event giving rise to the claim; or (b) CAD $500.00.

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, statute, or otherwise), regardless of whether damages were foreseeable, and regardless of whether any ApplyAZ Party was advised of the possibility of such damages.

YOU USE THE PLATFORM AND ALL THIRD-PARTY SERVICES ENTIRELY AT YOUR OWN RISK.

16. Indemnification

You agree to defend, indemnify, and hold harmless the ApplyAZ Parties from and against all claims, demands, actions, suits, damages, losses, liabilities, judgments, settlements, costs, and expenses (including reasonable legal fees and costs) arising from or related to:

• Your use of the Platform or services, or any breach of these Terms
• Your violation of any applicable law, regulation, or third-party right
• Your Content, submissions, documents, or information (or any inaccuracy or incompleteness therein)
• Information you provided or failed to provide in a timely manner
• Unauthorized use of your account or credentials
• Disputes between you and any third-party service provider, institution, government agency, or other person
• Your conduct during programs, travel, accommodation, or any activity
• Any claims brought by third parties arising from your acts, omissions, or conduct
• Your failure to comply with any third-party terms, rules, or requirements
• Any assertion that Marketing Materials created a binding commitment beyond these Terms

This indemnification obligation survives the termination of your account and these Terms.

17. Force Majeure

Neither ApplyAZ nor any ApplyAZ Party shall be liable for any failure, delay, or interruption in performance due to circumstances beyond reasonable control ("Force Majeure Events"), including but not limited to:

• Pandemics, epidemics, public health emergencies, or quarantine measures
• Natural disasters, severe weather, earthquakes, floods, fires, or volcanic eruptions
• War, armed conflict, terrorism, civil unrest, or political instability
• Government orders, sanctions, embargoes, travel restrictions, border closures, or regulatory changes
• Program cancellations, suspensions, or modifications by institutions
• Visa processing delays or policy changes by government authorities
• Transportation failures, airline cancellations, or logistics disruptions
• Third-party portal outages, system failures, or cyberattacks
• Currency restrictions, exchange rate controls, or banking disruptions
• Labor disputes, strikes, or lockouts
• Power outages, telecommunications failures, or internet disruptions
• Any other event beyond the reasonable control of ApplyAZ

In the event of a Force Majeure Event: (a) you remain responsible for all fees paid to third parties, which are governed by the relevant third party's own refund policies; (b) ApplyAZ Facilitation Fees are non-refundable except as expressly provided in Section 13; and (c) ApplyAZ will use commercially reasonable efforts to resume performance when the Force Majeure Event subsides, but makes no guarantee regarding timing.

18. Medical, Health, Safety, and Travel Disclaimer

APPLYAZ DOES NOT PROVIDE MEDICAL, HEALTH, SAFETY, TRAVEL, OR RISK ASSESSMENT ADVICE OF ANY KIND.

You are solely and exclusively responsible for:

• Assessing and accepting all health, safety, travel, and personal risks associated with any program, destination, accommodation, transportation, or activity
• Obtaining appropriate medical clearance, vaccinations, and health certifications before travel
• Securing adequate and comprehensive travel insurance, health insurance, personal liability insurance, and any other coverage appropriate for your circumstances
• Following all safety protocols, public health guidelines, local laws, and emergency procedures at your destination
• Emergency preparedness, including evacuation planning and maintaining emergency contacts
• Reviewing and following government travel advisories issued by your country of citizenship and your destination country
• Making your own fully informed decisions about all health, safety, and travel matters

ApplyAZ strongly recommends that you consult qualified healthcare professionals, review government travel advisories (including advisories from Global Affairs Canada, the UK Foreign Office, the U.S. State Department, and relevant local authorities), and obtain professional advice before making any travel or health-related decisions.

ApplyAZ assumes no responsibility for your health, safety, personal security, or well-being at any time, including during travel, accommodation, programs, activities, or any other engagement connected to services facilitated through the Platform.

19. No Agency, Partnership, or Fiduciary Relationship

Nothing in these Terms or in any interaction between you and ApplyAZ creates an agency, partnership, joint venture, employment, trust, fiduciary, or any other special relationship. ApplyAZ acts as an independent contractor and information facilitator. We have no authority to bind you, and you have no authority to bind us. Neither party may represent themselves as an agent, partner, or representative of the other.

20. Suspension and Termination

We may suspend, restrict, or terminate your access to the Platform or services at any time, with or without notice, if we reasonably believe that: there is fraud, abuse, or security risk; you have breached these Terms or any other agreement with ApplyAZ; there is a legal or regulatory risk; there is non-payment or payment dispute; information you provided is materially inaccurate, incomplete, inconsistent, or fraudulent; or continued service would create unacceptable risk to ApplyAZ or third parties.

If you fail to respond to our communications or provide requested information within the timeframes we specify, we may treat your account as abandoned, close your file, and cease all services. Facilitation Fees paid for completed milestones remain earned and non-refundable.

Upon termination, your license to use the Platform is immediately revoked. Sections that by their nature should survive (including Sections 8, 9, 11, 13, 15, 16, 17, 18, 21, 22, 23, 24, and 26) will continue to apply.

Non-Payment Suspension. If a User fails to pay any milestone fee, including the Admission Fee, within the applicable payment window set out in Section 13(A), ApplyAZ may, in its sole discretion and without further notice, immediately suspend all facilitation services from that milestone stage onwards. Suspended services include but are not limited to: document submission, institutional communication, enrollment coordination, visa coordination, housing coordination, and all other downstream services. From the point of suspension, ApplyAZ bears no obligation, duty of care, or liability of any kind for any consequence arising from the suspension, including but not limited to missed deadlines, withdrawal or expiry of interview invitations or offers of admission, visa processing delays, loss of enrollment opportunity, or any other outcome. Suspension under this clause does not constitute a breach of these Terms by ApplyAZ. All Facilitation Fees paid for completed milestones remain non-refundable, and all outstanding milestone fees and accrued late fees remain due and payable notwithstanding the suspension.

21. Dispute Resolution and Notice Requirements

IMPORTANT: Please read this section carefully. It affects your legal rights.

A) Mandatory Notice

Before taking any formal legal action, you must first contact ApplyAZ in writing at legal@applyaz.com with a detailed description of your dispute, including: (a) your name and account details; (b) a clear description of the issue; (c) the specific relief sought; and (d) supporting documentation. ApplyAZ will attempt to resolve the dispute informally within thirty (30) calendar days of receipt.

B) Error Notification Window

Any claim that ApplyAZ made an error or omission in the performance of its facilitation services must be delivered to us in writing at team@applyaz.com within fourteen (14) calendar days of the date the relevant action was performed or you were notified of it, whichever is earlier. If you do not provide written notice within this period, you waive that specific claim to the maximum extent permitted by applicable law.

C) Chargeback Policy

You must contact ApplyAZ and attempt to resolve any payment dispute directly with us before initiating any chargeback, payment reversal, or dispute with your payment provider. If you initiate a chargeback without first contacting us and allowing a minimum of fifteen (15) business days for resolution, we may exercise all rights described in Section 13(D).

22. Limitation Period for Claims

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THESE TERMS, YOUR USE OF THE PLATFORM, OR ANY SERVICE MUST BE COMMENCED WITHIN TWELVE (12) MONTHS AFTER THE DATE THE CLAIMANT FIRST KNEW OR REASONABLY SHOULD HAVE KNOWN OF THE EVENT GIVING RISE TO THE CLAIM. AFTER THAT PERIOD, THE CLAIM IS PERMANENTLY AND IRREVOCABLY BARRED.

This limitation period applies regardless of the legal theory and supplements (does not replace) any shorter notice periods described elsewhere in these Terms.

23. Class Action and Jury Trial Waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• Class Action Waiver: You agree that any dispute, claim, or proceeding will be brought in your individual capacity only and not as a plaintiff, class member, or representative in any purported class action, collective action, representative action, or consolidated proceeding.
• Jury Trial Waiver: You and ApplyAZ each waive the right to a jury trial in any dispute arising out of or related to these Terms or your use of the Platform.

If any court or tribunal determines that a class action waiver is unenforceable, then the entirety of this arbitration/dispute resolution section shall be deemed void, and any class-wide claims shall be decided exclusively by a court of competent jurisdiction.

24. Intellectual Property

The Platform, including all software, code, designs, graphics, text, logos, trademarks, service marks, trade names, and all other intellectual property, is owned by ApplyAZ or its licensors and is protected by Canadian and international intellectual property laws. No rights are granted to you except the limited, non-exclusive, non-transferable, revocable license to access and use the Platform for its intended purpose in accordance with these Terms.

You retain ownership of the Content you submit to the Platform. By submitting Content, you grant ApplyAZ a worldwide, non-exclusive, royalty-free, sublicensable license to use, store, process, reproduce, modify, display, and transmit your Content solely as necessary to provide and improve our services.

25. Social Media and External Communications Disclaimer

ApplyAZ maintains presences on various social media platforms. Content posted by ApplyAZ on social media is for informational and promotional purposes only and is subject to the Marketing Materials disclaimer in Section 9.

ApplyAZ is not responsible for: content posted by third parties on our social media pages or in response to our posts; the accuracy of information shared by other users; the privacy practices of social media platforms; or any interactions between users facilitated through social media.

Comments, reviews, or endorsements by users on social media do not constitute endorsements by ApplyAZ and do not represent guaranteed outcomes. User-generated content on social media is governed by the respective platform's terms.

26. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles that would result in the application of the laws of any other jurisdiction.

To the maximum extent permitted by applicable law, you irrevocably submit to the exclusive jurisdiction of the courts located in Toronto, Ontario, Canada for the resolution of any dispute arising out of or related to these Terms or your use of the Platform.

Notwithstanding the foregoing, nothing in this section limits the applicability of mandatory consumer protection laws of your jurisdiction of residence that cannot be waived by contract.

27. Severability and Reformation

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed. The remaining provisions shall continue in full force and effect. The invalidity of any provision in one jurisdiction does not affect its validity in any other jurisdiction.

28. Assignment

You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. ApplyAZ may freely assign, transfer, or delegate its rights and obligations under these Terms, in whole or in part, without notice or consent, including in connection with a merger, acquisition, corporate reorganization, or sale of assets.

29. Survival

All provisions of these Terms that by their nature are intended to survive termination shall survive, including but not limited to: limitation of liability, indemnification, disclaimer of warranties, intellectual property, dispute resolution, limitation period, class action waiver, and governing law.

30. No Waiver

Our failure or delay in exercising any right, remedy, or provision under these Terms shall not constitute a waiver of that right, remedy, or provision. A waiver of any default is not a waiver of any subsequent default. No waiver is effective unless made in writing and signed by an authorized representative of ApplyAZ.

31. Entire Agreement

These Terms, together with the Privacy Policy, any applicable Refund Policy, and any service-specific terms presented to you during your use of the Platform, constitute the entire agreement between you and ApplyAZ and supersede all prior agreements, understandings, representations, and communications, whether written or oral, regarding the subject matter hereof.

No statement by any ApplyAZ employee, contractor, agent, or representative that is not contained in these Terms shall create any warranty, obligation, or liability for ApplyAZ.

32. Changes to These Terms

We reserve the right to update, modify, or replace these Terms at any time by posting an updated version on the Platform with a revised "Last Updated" date. Where changes are material, we will use reasonable efforts to provide advance notice.

Your continued use of the Platform after any update constitutes your acceptance of the revised Terms. If you do not agree with the updated Terms, you must immediately stop using the Platform.

33. Contact Information

ApplyAZ Inc.

Corporation Number: 1659714-9

Registered Address: 290 Adelaide Street West, Toronto, ON M5V 0P3, Canada

General Inquiries: team@applyaz.com

Legal Notices: legal@applyaz.com

BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND THE PRIVACY POLICY IN THEIR ENTIRETY.

APPLYAZ INC.

GENERAL DISCLAIMER

Last Updated: April 1, 2026

ApplyAZ Inc. ("ApplyAZ") provides an online technology platform and administrative facilitation service. ApplyAZ is not an educational institution, visa agency, immigration consultancy, housing provider, travel agent, tour operator, insurance provider, financial advisor, legal advisor, medical advisor, or any other regulated professional service provider.

Facilitation Platform Only

ApplyAZ helps users organize and transmit information to independent third-party institutions and service providers. All substantive services — including education, admissions, visa processing, housing, transportation, insurance, scholarship adjudication, and employment — are provided by independent third parties under their own terms. ApplyAZ does not control and is not responsible for any third-party decisions, actions, quality, safety, or outcomes.

No Guarantees

ApplyAZ does not guarantee any outcome, including admission, visa approval, scholarship award, housing quality, program quality, employment, or safety. All services and content are provided "as is" without warranty of any kind. Past outcomes do not guarantee future results.

Marketing and Promotional Content

All promotional materials, testimonials, success stories, statistics, financial figures, student profiles, photographs, and other marketing content are provided for general informational and illustrative purposes only. Content may be illustrative, representative, composite, or hypothetical. Terms such as "guarantee," "secured," "100% refund," or similar language in marketing materials are subject to and qualified by ApplyAZ's Terms and Conditions and any applicable Refund Policy. Individual results vary significantly.

Third-Party Services and Information

Information about third-party programs, institutions, fees, scholarships, and services is provided for convenience and may not be current, complete, or accurate. Users must independently verify all information with the relevant third-party provider. ApplyAZ is not responsible for third-party actions, omissions, policies, or changes.

Your Responsibility

You are solely responsible for: the accuracy of information you provide; meeting all deadlines and requirements; conducting your own due diligence; making your own health, safety, financial, and legal decisions; and all consequences of your actions or inactions. ApplyAZ strongly recommends consulting qualified professionals before making important decisions.

Limitation of Liability

To the maximum extent permitted by law, ApplyAZ's total liability is limited to the Facilitation Fees you paid for the specific disputed service, or CAD $500, whichever is less. ApplyAZ is not liable for any indirect, consequential, incidental, special, or punitive damages.

Governing Terms

This Disclaimer is a summary. The complete terms governing your relationship with ApplyAZ are set out in our Terms and Conditions and Privacy Policy, available at www.applyaz.com. In the event of any conflict, the Terms and Conditions shall prevail.

ApplyAZ Inc. | 290 Adelaide Street West, Toronto, ON M5V 0P3, Canada

team@applyaz.com | www.applyaz.com