Here you will find, among other documents, the following policies, regulations, and/or notices:

• TERMS OF USE

• PRIVACY AND DATA AND INFORMATION PROCESSING POLICY, AND USE OF COOKIES:

• GENERAL, SPECIAL, AND VARIABLE TERMS, CONDITIONS, AND RESTRICTIONS:

It is your responsibility and/or obligation to read to the end.

TERMS OF USE:

Purpose and use:

JOSEPH RITZ, or his representative, allows free access to this website for the purpose of obtaining information regarding its products and services. When reference or mention is made to THE COMPANY in this document, it shall be understood to refer to JOSEPH RITZ, or his representative. To ensure a safe and non-offensive environment for all our users, we have established these Terms of Use, which explain the rules for utilizing our website. By accessing any area or page of this website or www.josephritz.com, users agree to be legally bound by and strictly adhere to the conditions set forth below. They likewise accept all regulations; all general and specific policies; and all terms, conditions, and restrictions of THE COMPANY.

Copyright and Permissions:

The Copyright of all content included on this website is the property of THE COMPANY. It is strictly prohibited to reproduce, store, alter, or distribute, in any manner whatsoever, any material from this website without our prior written authorization.

Liabilities:

THE COMPANY does not monitor all activity conducted on this website, but it reserves the right to do so.

(a) Security.

Users are prohibited from violating or attempting to violate the security measures of this website, which includes, but is not limited to, the following actions:

(1) Using a false password, a password belonging to another user, or access credentials not intended for the user, or logging into a server or account that said user is not authorized to access.

(2) Disclosing a password, permitting a third party to use a password, or failing to notify THE COMPANY in the event that a password has been compromised.

(3) Attempting to probe, scan, or test the vulnerability of the system or network, or breaching security or authentication measures without proper authorization.

(4) Attempting to interfere with the service to any user, host, or network, by means of actions such as overloading, "flooding," "mailbombing," or "crashing," among others.

(5) Sending unsolicited electronic mail (spam), including promotions and/or advertising for products or services, among others.

(6) Forging any TCP/IP packet header, whether in whole or in part, in emails or in messages posted to a newsgroup.

(7) Pirating all or part of the website's content, deleting or altering any of its content, or embedding a link to the web, without our express written consent.

(b) General rules.

Users agree to use this website solely for lawful purposes. Users may not use this website to transmit, distribute, store, or destroy material: (a) in violation of any applicable law or regulation; (b) in a manner that will infringe the Copyright, patent, trademark, trade secret, or other intellectual property rights of others, or violate the privacy, publicity, or other personal rights of others; or (c) that is defamatory, obscene, offensive, threatening, abusive, or objectionable.

(c) Use Violations.

THE COMPANY may determine, at its sole discretion, whether a usage violates these rules and may act as it deems necessary in the event that a violation occurs. Violations of system or network security may result in civil or criminal liability. THE COMPANY will investigate occurrences that may involve such violations, which may include cooperating with competent law enforcement authorities and disclosing information to them for the purpose of identifying and prosecuting users who are involved in such violations.

(d) Termination of Use.

THE COMPANY may terminate or suspend a user's access to all or part of this website, without prior notice, for any conduct that THE COMPANY, at its sole discretion, believes constitutes a violation of these Terms, any applicable law, or is harmful to the interests of another user.

Submission of information:

It is THE COMPANY's policy not to accept or consider any unsolicited ideas or materials of any kind. DO NOT submit materials with these characteristics. If you violate this prohibition, we reserve the right to treat all submitted materials as non-confidential and free from any claims of proprietary or personal rights. Such material and all rights derived therefrom shall become our property, shall not be subject to any claim by you or by others, and may be used by THE COMPANY for any purpose, including advertising and promotion, and shall not be subject to compensation or obligation of any kind to anyone, including you.

Internet and links:

THE COMPANY assumes no liability for the security of this website or your communications with the website or the Internet. It is strictly prohibited to link other websites to this website without the prior written authorization of THE COMPANY. We may permit certain links in cases where we deem it appropriate, but THE COMPANY shall not be liable for any unaffiliated website to which it is linked or for material posted on this website by any person/entity external to THE COMPANY. Please be advised that the rules and privacy policies of linked websites may differ from those of THE COMPANY and should be reviewed by you when you use the link to access any other website.

Prohibited uses:

It is strictly prohibited to use or contact this website to alter or damage the website, its contents, or its security measures, or to verbally assault or disparage THE COMPANY or its products, services, or personnel. The sending of unsolicited electronic mail (spam) to or through this website is likewise prohibited. None of the contact methods or data contained on this website are valid for sending or receiving petitions, complaints, claims, or similar matters. The use of any type of artificial intelligence or assisted artificial intelligence to make use of this website, its social networks, and its contact channels in any manner is expressly prohibited.

THE COMPANY owns, protects, and enforces Copyrights in its own creative materials and respects the intellectual property of others. This website contains third-party materials and links to third-party websites, portals, and directories. Consequently, there are third-party materials—which do not belong to THE COMPANY and are not controlled by THE COMPANY—included on or linked to the website, or stored or transmitted by or through THE COMPANY's website. To the best of THE COMPANY's knowledge, these materials do not infringe upon the copyrights of others. Upon receipt of a properly documented notification of a claimed infringement of rights (the following section explains how to properly file a notification), THE COMPANY will respond expeditiously to follow the procedures for resolving the claim between the notifying party and the alleged infringer who supplied the materials in question, resulting, where applicable, in the removal or disabling of access to the materials subject to said infringement claim or the removal or disabling of access to the links to said material. In accordance with its policy, THE COMPANY will terminate its relationships with third parties who repeatedly infringe the rights of others once it becomes aware that said parties have committed repeated infringements in relation to the use of THE COMPANY's websites, links, or storage and communication systems and networks. The designated agent (i.e., the proper person) to whom you should direct such notification is: JOSEPH RITZ, email: info@josephritz.com

How to file a claim for copyright infringement:

If you believe that your work has been copied in a way that constitutes copyright infringement, please provide THE COMPANY's designated agent with the following information in writing:

(1.) A description of the copyrighted work that you claim has been infringed.

(2.) A description of the exact location of the allegedly infringing material, with sufficient detail so that we may find it.

(3.) Your address, telephone number, and email address.

(4.) A statement by you certifying, in good faith, that the disputed use is not authorized by you, your agent, or the law.

(5.) A statement by you, made under penalty of perjury, that the information in your notification is accurate and that you are the copyright owner or are authorized to act on behalf of the copyright owner.

(6.) Your valid electronic or physical signature, or the valid electronic or physical signature of the person authorized to act on your behalf.

The contact information for the agent designated by THE COMPANY for the notification of claims for copyright infringement is as follows:

Name of the notification agent: JOSEPH RITZ, email: info@josephritz.com

Pursuant to THE COMPANY's Privacy Policy, THE COMPANY respects the privacy of the users of its website.

Disclaimer of Liability:

This website is provided on an "as is" basis and without warranties of any kind. THE COMPANY disclaims any implied warranty of merchantability or fitness for a particular purpose, as well as any title or non-infringement. THE COMPANY shall not be liable for the accuracy or inaccuracy, precision or imprecision, availability or unavailability, uninterrupted access or interruption in availability, or for viruses or other defects in the website or its contents. Under no circumstances shall THE COMPANY (nor its shareholders or members, owners, partners, representatives, or content authors) be held liable for any damages of any kind caused to users, their computer systems, or otherwise, even if THE COMPANY has been advised of the possibility of the existence of such damages, nor shall this fact be considered an act of negligence. The veracity, validity, or timeliness of the information or data contained on this website and its derivations (including links) cannot be and is not guaranteed. All information and data shall be considered the (subjective) opinions of its author or authors and should not be considered entirely factual; consequently, it is the obligation of the website user to validate the veracity and reality of all information and data through the best available source.

Governing Law:

This website is controlled by THE COMPANY in Brazil. As such, the website, as well as the rules described herein, are subject to the laws of Brazil, regardless of the user's physical location, and any claim of any kind related thereto must be filed in accordance with Brazilian laws.

Acceptance and clarifications:

By using this website, the user accepts and submits to the present conditions, which shall govern any use made thereof, as well as any results derived therefrom.

All rates, information, offers, and/or advertising contained in any of THE COMPANY's messages or communications are effective and valid strictly until the upcoming November thirtieth (30th), or less if so stated in any other medium, channel, piece, or document; this also applies to any other information and/or advertising published through other media or channels of THE COMPANY or its establishments. Furthermore, all rates, information, offers, and/or advertising of THE COMPANY are subject to terms, conditions, and restrictions, which are available by browsing the website www.josephritz.com. By contacting THE COMPANY through any channel or by replying to any of its messages, the sender of the communication (the party contacting THE COMPANY) accepts the various policies, data policies, and other legal matters and documents mentioned and accessible at www.josephritz.com; additionally, they are authorizing us to send them any type of information, advertising, or offers through any medium, channel, or via telephone calls, utilizing the data they have provided or allowed us to know, including: a telephone number, a WhatsApp number or account, or an email address; this information can be expanded upon by browsing the aforementioned website. The data owner may request THE COMPANY to have any or all of their data removed from any of THE COMPANY's databases, through the means, methods, procedures, and channels set forth in the privacy and data policy that can be found on the aforementioned website.

Revisions:

THE COMPANY reserves the right to make changes to this website and these conditions at any time; such changes will become effective on the date they are published on the web.

Warning:

ANY USE OF THE COMPANY'S WEBSITE THAT CONTRAVENES THESE RULES SHALL CONSTITUTE A VIOLATION AND/OR INFRINGEMENT OF THE RIGHTS OF THE SPONSOR, THE BACKER, OR THE COMPANY, THE WEBSITE, OR WHOMEVER IT MAY CONCERN, AND MAY GIVE RISE TO LEGAL ACTION AGAINST YOU.

Updated: January 02, 2026.

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PRIVACY AND DATA AND INFORMATION PROCESSING POLICY, AND USE OF COOKIES:

1. Scope and application:

JOSEPH RITZ, or his representative, in order to fulfill its corporate purpose, collects, stores, and uses personal data and information through various methods, means, and channels, including: referral systems, cookies, and video surveillance monitoring of its on-site and off-site visitors, prospects, message senders, employees, clients, users, contractors, and/or providers (all equally, whether on-site or off-site). When, in this document, reference or mention is made to THE COMPANY, it shall be understood to refer to JOSEPH RITZ, or his representative. Through this document/manual, THE COMPANY adopts a Privacy, Processing, and Data Protection Policy Manual that regulates the manner in which THE COMPANY collects, utilizes, stores, safeguards, circulates, processes, transfers, deletes, modifies, updates, corrects, and otherwise handles the personal information and data of individuals. THE COMPANY, internally within its institution, has implemented all technological measures and mechanisms necessary to enforce these policies, thereby fully complying with current regulations. THE COMPANY is the controller and processor of the personal data of its visitors, prospects, message senders, employees, clients, users, contractors, and/or providers for various business purposes, which include:

Achieving efficient communication related to our products, services, offers, promotions, alliances, studies, contests, and contents, as well as those of our affiliated companies, and to facilitate general access to the information thereof; to provide our products and/or services; to inform about new products and/or services related to those contracted or acquired; to fulfill obligations contracted with our visitors, prospects, message senders, employees, clients, users, contractors, and/or providers; to inform about changes to our products and/or services; to evaluate the quality of our products and/or services; and to conduct internal studies on consumption habits.

Clarifications:

All rates, information, offers, and/or advertising contained in any of THE COMPANY's messages or communications are effective and valid strictly until the upcoming November thirtieth (30th), or less if so stated in any other medium, channel, piece, or document; this also applies to any other information and/or advertising published through other media or channels of THE COMPANY or its establishments. Furthermore, all rates, information, offers, and/or advertising of THE COMPANY are subject to terms, conditions, and restrictions, which are available by browsing the website www.josephritz.com. By contacting THE COMPANY through any channel or by replying to any of its messages, the sender of the communication (the party contacting THE COMPANY) accepts the various policies, data policies, and other legal matters and documents mentioned or accessible at www.josephritz.com; additionally, they are authorizing us to send them any type of information, advertising, or offers through any medium, channel, or via telephone calls, utilizing the data they have provided or allowed us to know, including: a telephone number, a WhatsApp number or account, or an email address; this information can be expanded upon by browsing the aforementioned website. The data owner may request THE COMPANY to have any or all of their data removed from any of THE COMPANY's databases, through the means, methods, procedures, and channels set forth in the privacy and data policy that can be found on the aforementioned website.

2. Obligations of THE COMPANY:

The obligations of THE COMPANY are:

To guarantee to the data owner the full and effective exercise of the right of habeas data (data protection rights); to strive to maintain the information under the necessary security conditions to prevent its adulteration, loss, consultation, use, or unauthorized or fraudulent access; to strive to update the information and ensure that the provided information is kept current; to strive to rectify the information when it is incorrect; to strive to rectify an incorrect data point, whether caused by any circumstance, including typographical, writing, comprehension, mechanical, technical, technological, or human error, which shall also apply to errors in the sending of emails, text messages, messages in general, correspondence, telephone calls, virtual calls, and the like, considering that being an error, THE COMPANY shall be excluded from any legal or juridical liability and it will suffice to offer an apology at any time after a response has been requested or a request has been submitted by the owner of the data or information. Any application or change may take up to several months due to various circumstances, including technical ones.

3. Purpose of data processing:

The personal data, contact data, and the aforementioned information is requested or collected by THE COMPANY for the purposes of its storage and use, specifically to allow access to THE COMPANY's interactive mechanisms, as well as to achieve efficient communication, by any means known or yet to be known, related to our products, services, offers, promotions, alliances, studies, contests, and contents, as well as those of our affiliated companies, and to facilitate general access to the information thereof, to provide our products and/or services, to inform about new products and/or services related to those contracted or acquired, to fulfill obligations contracted with our clients, users, providers, and employees, to inform about changes to our products and/or services, to evaluate the quality of our products and/or services, to transfer your data to companies, businesses, or institutions belonging to THE COMPANY's group of companies or businesses (if any) anywhere in the world, to conduct internal studies on consumption habits, and to use cookies for subsequent contacts with persons who have accessed THE COMPANY's website. THE COMPANY may share and transfer its databases to companies, businesses, or institutions belonging to the Group of companies, establishments, commerce, branches, businesses, or enterprises of THE COMPANY (if any) anywhere in the world, as well as to its natural or legal partners or allies. THE COMPANY may contact, through any medium or channel, and at any time, the owner of the data in order to make offerings, inquiries, requests, offers, promotions, marketing, to provide information, to request information, and any other action that is not expressly restricted by Brazilian Law.

4. Rights of the individual:

4.1 Right to access personal data.

The consultation shall be formulated through the channel enabled by THE COMPANY, provided that proof thereof can be maintained.

4.2 Right to correction.

The data owner or their successors and assignees who consider that the information contained in a database of THE COMPANY should be subject to correction, updating, or deletion may first file a claim with THE COMPANY. For this purpose, THE COMPANY has made the following email address available to its visitors, prospects, message senders, employees, clients, users, contractors, and/or providers, and all those persons whose data is processed in THE COMPANY's databases: info@josephritz.com. The claim shall be formulated by means of a request addressed to THE COMPANY containing the identification of the data owner, a description of the facts that give rise to the claim, the address, email address, mobile number, and accompanied by the documents that the claimant intends to assert. If the claim is submitted incomplete, it will be understood as incompetent, inept, and inadmissible, and will not require a response.

4.3 Right to object to direct marketing actions.

THE COMPANY will comply with any request from an individual not to use their personal data for direct marketing purposes, provided that this is done through the contractual means authorized by THE COMPANY.

4.4 Right to be deleted.

The data owner may request THE COMPANY to be deleted from its database by submitting a request via email to info@josephritz.com.

Updated: January 02, 2026.

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GENERAL, SPECIAL, AND VARIABLE TERMS, CONDITIONS, AND RESTRICTIONS:

When reference or mention is made to THE COMPANY in this document, it shall be understood to refer to JOSEPH RITZ, or his representative.

PART ONE - General terms, conditions, and restrictions:

The first part of this document regulates the terms, conditions, and restrictions applicable to all "advertising campaigns, promotions, offers, advertising, and information in general" (hereinafter, throughout the document, the word Campaign, or its plural Campaigns, shall be used to refer to the aforementioned items in quotation marks) issued by THE COMPANY. Throughout this document, when referring to the student, reference is also being made to the user (likewise, when mentioning the student, reference is also being made to the buyer, the client, the consultant, the contracting party of any educational product or service or of any other product or service—including, but not limited to, professional services, consulting, advisory, the downloading of tangible or intangible products, other tangible or intangible products, or services—), with the understanding that when the student or user is a minor, the parent, guardian, or responsible party of the minor shall be their legal representative in cases where it is necessary or mandatory according to the laws, decrees, and resolutions of Brazil; additionally, when the student or the user corresponds to a person of legal age or 18 years old, the word "student" will also refer to the buyer and the party contractually responsible for any educational product or service or any other product or service (including, but not limited to, professional services, consulting, advisory, the downloading of tangible or intangible products, other tangible or intangible products, or services). When, in any part of this document, there is doubt, duplication, or confusion regarding a portion of the content of this document with any of the institutional policies, the one that is more explicit or detailed shall prevail. Providers and other stakeholders shall be subject to the general, special, and variable terms, conditions, and restrictions when these are favorable to THE COMPANY. These terms shall also regulate anything that has not been regulated by a higher norm, policy, or regulation, and which has a direct or indirect relationship with THE COMPANY. All this additional information must be consulted by whoever reads this document, prior to filing any lawsuit, complaint, and/or request; this information will be available through the website www.josephritz.com

These general terms, conditions, and restrictions shall form part of the Terms, conditions, and restrictions established or agreed upon for each of the Campaigns.

These general terms, conditions, and restrictions shall be applicable within the term of validity established in the terms, conditions, and restrictions defined for each of the Campaigns; in the event the validity is not defined, it will be considered terminated at the moment the corresponding Campaign ceases to be published or is replaced by a similar or more updated one.

In the event of any discrepancy or confusion between these general Terms, conditions, and restrictions and the special Terms, conditions, and restrictions or the variable Terms, conditions, and restrictions of each of the Campaigns, what is stipulated in the variable terms, conditions, and restrictions of each of them shall prevail when the latter are more specific, but they may never exceed the limitations, validity, and effective period of the general Terms, conditions, and restrictions.

For matters not explicitly regulated in the special Terms, conditions, and restrictions or in the variable Terms, conditions, and restrictions of each of the Campaigns, these general Terms, conditions, and restrictions shall apply.

In relation to the content of the general terms, conditions, and restrictions, the special terms, conditions, and restrictions, and the variable terms, conditions, and restrictions applicable to each of the Campaigns, THE COMPANY reserves the right to unilaterally modify said general, special, or variable terms, conditions, and restrictions, in whole or in part, at any time and without prior notice. The modifications to the general, special, or variable terms, conditions, and restrictions shall have immediate effect.

THE COMPANY reserves the right to unilaterally and prematurely terminate any of the active Campaigns. The termination will become effective immediately. For applicants who decided to participate in the Campaign prior to its termination, efforts will be made to directly inform them of how their situation will be handled.

Digital classes, lessons, or sessions are equivalent to online classes, lessons, or sessions and do not require synchronous connection; likewise, digital environments are online environments and do not require synchronous connections either.

Any information related to the products, services, programs, projects, courses, or the like offered by THE COMPANY may be consulted on the website www.josephritz.com

The Terms, conditions, and restrictions of the Service Contract (if any) applicable between THE COMPANY and its students, users, buyers, clients, providers, and other stakeholders may be consulted at www.josephritz.com

These general terms, conditions, and restrictions shall be governed by the laws of Brazil.

Any personal or contact data collected pursuant to any of THE COMPANY's Campaigns shall be processed in accordance with its Privacy and Data Protection Policy, which may be consulted at www.josephritz.com

PART TWO - Special terms, conditions, and restrictions:

The second part of this document contains the special terms, conditions, and restrictions applicable to all Campaigns issued by THE COMPANY. These special terms, conditions, and restrictions shall form part of the Terms, conditions, and restrictions established or agreed upon for each of the Campaigns.

The special terms, conditions, and restrictions are as follows:

Payments shall be made during the first week of each month according to the applicable rates and promotions agreed upon with the student, including users, buyers, and clients. Non-attendance to a class or the negligence of the student (including users, buyers, and clients) regarding a product and/or service shall not exonerate the student (including users, buyers, and clients) from paying for it. The amount and deadline for payments are non-negotiable under any circumstances.

The student (including users, buyers, and clients) of legal age, or the legal guardian of a minor, must sign a service provision contract, and read and accept the regulations that will be hosted on this website (the student—including users, buyers, and clients—must request the link or URL if said regulations are not delivered with the contract). The student (including users, buyers, and clients) shall be responsible for strictly complying with the corresponding internal regulations, institutional policies, and other internal rules, as well as those enshrined in the laws of Brazil, and they shall also be responsible for requesting the formalization of the aforementioned contract through the means provided by THE COMPANY. The internal academic and disciplinary regulations are strictly mandatory and may be consulted at www.josephritz.com/legal-academy

Registration dates and costs shall not be negotiable with the student (including users, buyers, and clients) under any circumstances.

No amount paid to THE COMPANY shall be subject to refund under any circumstances, nor may it be transferred to another person.

Assistants or companions are not permitted in the lessons, consultancies, or other services, except with prior written authorization from THE COMPANY.

Promotions and/or discounts are not cumulative in any manner.

The payment methods authorized by THE COMPANY are cash, credit cards, debit cards, money orders, and transfers through legally recognized networks (channels, methods, and means explicitly arranged and authorized by THE COMPANY).

Books and other tangible or intangible materials, as well as the enrollment or registration fee, may be gifted by THE COMPANY to the user or to the signatory of the contract, as a mere gratuity, clarifying that this would apply exclusively when so mandated by the signed contract and is only valid and applicable for a single semester. It is required to be fully up to date with the total payment of the service, module, or corresponding installment in order to receive said material, which may be physical, virtual, or digital.

From the moment of purchase or signing of the contract, the total value of the service or module may be deferred into five consecutive and equal monthly installments, regardless of its duration or how many hours of instruction or service are received in a given period of time, subject to prior authorization by THE COMPANY to make deferred payments with each student (including users, buyers, and clients). The purchase of products from THE COMPANY may not be deferred and must be paid before delivery.

To pass a course, module, or diploma program, the student must attend at least 80% of the scheduled hours for each one. To pass a course, module, or diploma program, the student must equal or exceed 70% of the maximum possible grade after weighting the result, according to the procedures established by THE COMPANY. The student shall be obligated to dedicate a number of extra-class study hours equivalent to the number of face-to-face, virtual, or digital hours agreed upon with THE COMPANY.

If a student fails a final exam, they will be called for a second opportunity (if THE COMPANY deems it necessary—this could entail an additional cost—) on the date, time, location, and channel established by THE COMPANY; the student will be obligated to attend. The student may pass or fail a course, module, or diploma program.

Late entry or early departure from any class, lesson, or session shall be a responsibility assumed entirely by the student. The teacher, tutor, evaluator, advisor, consultant, or THE COMPANY shall have the authority to validate or invalidate, partially or totally, the corresponding grades as well as the attendance.

THE COMPANY reserves the right of admission and expulsion in the face of any behavioral or attitudinal difficulties of the student (including users, buyers, and clients) or anyone directly or indirectly related to them.

The student (including users, buyers, and clients) must comply with the rules established in the internal regulations, policies, procedures, and other guidelines of THE COMPANY; otherwise, THE COMPANY may unilaterally terminate the contract or relationship at any time. The breach of duties of any kind by the student (including users, buyers, and clients), as well as their poor behavior, may be immediate grounds for cancellation of the contract or relationship without any type of indemnification from THE COMPANY.

When a student (including users, buyers, and clients) submits a request for readmission, they will not have to repeat the last course to reinforce their knowledge, provided that no more than one year has passed since their withdrawal. In the event that more than a year has elapsed since the withdrawal, THE COMPANY must conduct a review of the corresponding case and evaluate it again if necessary, to determine whether they must repeat the last course or whether they may continue without interrupting their process.

The validation of knowledge acquired at another institution, establishment, or company shall be carried out based on the requested documents and the necessary examinations, as determined by THE COMPANY.

The pedagogical, andragogical, didactic, and other strategies used in each modality or age distribution vary according to the classification of the group or student (including users, buyers, and clients); consequently, they do not necessarily have to be identical or similar.

Persons with any type of disability are welcome; however, they must inform THE COMPANY regarding this matter during the registration process.

The student (including users, buyers, and clients) may request a change of group or schedule only once during each course, subject to prior verification and approval of availability by THE COMPANY.

THE COMPANY may schedule lessons, classes, or sessions in any city, branch, medium, channel, or modality; both its own and those of its allies.

Dates for respective exams, evaluations, and grades in general may not be modified without the prior authorization of THE COMPANY.

When a student (including users, buyers, and clients) needs to alternate a schedule temporarily or permanently, they must inform THE COMPANY so that the necessary suggestions can be made. Whenever this student (including users, buyers, and clients) attends a group that is not the one officially assigned to them in the system, they must report it upon completion so that their attendance and grades can be validated, with the understanding that such alternation will always be the responsibility of the student themselves (including users, buyers, and clients).

Groups may be merged, changed in schedule, or canceled at any time, without prior notice, just as teachers may be changed without prior notice and without a limit on the number of changes.

The maximum number of students per group will be decided by THE COMPANY based on the capacity of each room or classroom, whether physical, virtual, or a digital space.

The opening of each group, consultancy, conference, course, module, diploma program, or service is subject to meeting the minimum number of students (including users, buyers, and clients) or payments required by THE COMPANY.

All contact information, including website domains, email addresses, physical addresses, virtual addresses, digital addresses, landline telephones, mobile telephones, virtual telephones, social networks, private networks, applications, and services via virtual or digital platforms, as well as business, working, and/or service provision hours, may be modified, deleted, or merged at any time without prior notice.

Parents, mothers, or legal guardians shall be solely responsible for minors during their stay at the location where the class or service is held or received. No minor may leave THE COMPANY during their class schedule without the express authorization of their guardian, and, if they do so, it will not be the responsibility of THE COMPANY. THE COMPANY reserves the discretionary right to verify the veracity of the identity of whoever picks up a minor from one of THE COMPANY's locations, without this being an obligation or duty, since mention has already been made of who would be solely responsible for the implications of this action; therefore, responsible adults or guardians of minors are required to provide permanent, visual, and active accompaniment to minors in all places, schedules, and moments. In any case, THE COMPANY shall have no responsibility of any kind, other than academic, for its students (including users, buyers, and clients).

We (THE COMPANY) do not process procedures to acquire visas or passports; however, we hold alliances with international exchange entities that perform related functions. At no time, and under no circumstances, will THE COMPANY be held liable for the inaccuracy of the information or for the general consequences of any nature, especially when dealing with a third party.

We (THE COMPANY) maintain inter-institutional alliances with institutions specializing in academic and labor exchanges with the United States and several European countries. At no time, and under no circumstances, will THE COMPANY be held liable for the inaccuracy of the information or for the general consequences of any nature, especially when dealing with a third party.

THE COMPANY (nor the author of any type of material or content offered, advertised, sold, or provided by THE COMPANY) is not liable for any damage, deterioration, or loss of money, or of any other asset or patrimonial element, caused by the products, materials, contents, or services it offers, advertises, sells, or provides directly or indirectly, including books, subscriptions, audio, video, or text material, or similar; regardless of whether they are physical, digital, virtual, interactive, "streaming," artificial intelligence, "machine learning," or Internet of Things.

The student (including users, buyers, and clients) shall be legally, judicially, morally, and monetarily liable for any damage or harm caused to THE COMPANY, its personnel, property, or fixtures.

Any detrimental action or response, reflecting personal opinion or negatively compromising THE COMPANY, on the part of one or more of THE COMPANY's employees, contractors, workers, suppliers, or competitors shall be the responsibility of said party, and not of THE COMPANY. THE COMPANY may determine in which cases an action or response represents its attitude and endeavors.

On some occasions, THE COMPANY will schedule certain extracurricular, integration, recreational, or field trip activities related to learning or coexistence for the direct or indirect members of THE COMPANY. The care of physical, mental, intimate, sexual, monetary integrity, and of belongings shall be the exclusive responsibility of each attendee; this also applies to the curricular and standard activities of THE COMPANY, and under no scenario may THE COMPANY be blamed or singled out as liable for damages or harm from these types of actions.

In the exceptional event that the refund of any money or the payment of any financial guarantee is authorized, these payments will be executed within 180 business days following said authorization. If it is not possible to make said payment within that timeframe, THE COMPANY will communicate with the subject of the payment to inform them of the reason why said term or timeframe will be extended for an additional 90 business days.

The student (including users, buyers, and clients) must always carry their identification document for any procedure or authorization they may require.

The use of ID cards or uniforms by students will be mandatory only from the moment of their implementation; meanwhile, teachers, tutors, other contractors, and administrative or maintenance personnel must always be properly identified, and it shall be their responsibility to ensure this is fulfilled.

All certificates, certifications, diplomas, and proofs of attendance from THE COMPANY are valid before any public or private institution, clarifying that it is the prerogative of each institution or company to accept or reject said documents, according to their internal regulations or administrative decisions. The student is the sole and direct party responsible for ensuring the acceptability of each document.

Advisory sessions will be guided solely with the express authorization of THE COMPANY, since, according to the current curricular design, they are not strictly necessary.

The allocation of scholarships, grants, or subsidies shall not be mandatory on the part of THE COMPANY and will be subject to the administrative decisions made by the person in charge of this matter.

THE COMPANY forms alliances and agreements with companies and other institutions for the provision of its services in order to meet the specific needs of each sector. Any company or institution may request THE COMPANY's services at any time. In group classes, lessons, or sessions, the student must progress at the pace of the syllabus or curricular design established by THE COMPANY; if greater intensity is required, they may request private or individual classes, lessons, or sessions at an additional cost established by THE COMPANY, subject to prior verification of the availability of teachers, service providers, classrooms, schedules, and agendas.

THE COMPANY may offer cafeteria or store services during the hours and terms established by it, in order to provide a much more comprehensive service. THE COMPANY is not responsible for the incompatibility of the products with the organism of each person.

Private or individual classes, lessons, or sessions will have a pre-established cost per forty (40) minute hour that must be paid prior to their commencement at the location or channel approved by THE COMPANY, subject to prior verification of the availability of teachers, service providers, classrooms, agendas, and schedules. The cost will be the same whether one or two students attend it.

THE COMPANY may feature closed-circuit television and alarm and communication systems; the student (including users, buyers, and clients) consents to the use of these devices and this technology to contribute, as far as possible, to the safety of the entire community, as well as for internal, administrative, or academic procedures and matters of THE COMPANY.

The personal and contact data of each student must be kept updated with THE COMPANY. It is understood that the student accepts the responsible handling of all their data by THE COMPANY.

All schedules, locations, channels, modalities, and methods are subject to change at any time, without prior notice, due to atypical, temporary, or permanent circumstances.

All adjectives and descriptors (especially in Campaigns, websites, social networks, and dissemination channels) in singular or plural, regardless of their gender, including "high quality, experience, low cost, economy, excellent, and good," are based strictly on the obvious or logical opinion of the Legal Representative, the owner of THE COMPANY, or THE COMPANY, and cannot be assumed as exact.

The number of registrants or registrations in a given time refers to the average number of users or potential users who approach THE COMPANY to make their corresponding registration, pre-registration, or enrollment in our databases; these registration, pre-registration, or enrollment services do not always have a cost.

The number of alumni refers to the number of records of completion of any course, module, diploma program, program, attendees to conferences, consultancies, or other services provided or cooperatively offered by THE COMPANY or by any of its team members. Every time a person completes a course, module, diploma program, program, attendance at a conference or similar, attendance at a consultancy, or another service, it is counted as an alumnus, an egress, or a graduate; thus, the same person may correspond to several egresses or their equivalents.

"English within everyone's reach," "English for everyone," or similar phrases mean that all persons have or will have the opportunity to train with THE COMPANY at some point in their lives.

THE COMPANY's methodology is based on or referenced to the main foundations of the international standards established or adopted by entities and institutions such as the British Council, European Council, Ministry of Education, ELT, CEFRL, national or territorial government bilingual plans and programs, or foreign institutions, among others; each of the corresponding logos or images present in all informational or advertising material and content of THE COMPANY alludes to this. THE COMPANY is an establishment or group of establishments legally constituted, of an informal nature, in accordance with the National Education Law. Each of the courses, modules, diploma programs, programs, conference attendances, consultancy attendances, or other services undertaken by a user will have validity independent of the other courses, modules, diploma programs, programs, conference attendances, consultancy attendances, or other services undertaken that are under 160 hours. The number of hours of instruction will always be based on approximations and will vary between academic and non-academic hours depending on the case.

Expressions such as "all ages," "all schedules," or similar expressions refer to the ages and schedules most requested by users. THE COMPANY reserves the right to reclassify a student at any time, when deemed necessary due to their performance level, age, disability, or other reason.

Rates and services may be adopted, modified, merged, or eliminated by THE COMPANY at any time and without prior notice.

"Excellent teachers," "specialized teachers," and similar expressions refer to the description that each employee, worker, contractor, or professor receives from the Legal Representative of THE COMPANY, the owner of THE COMPANY, or THE COMPANY, based on their merits, abilities, or experience.

A "mega-module" is equivalent to one module. At no time may it contain 160 hours or more.

When mentioning licensed and/or native teachers, reference is made to some of the teachers, but they do not always have to be part of THE COMPANY, as human resources can vary for many reasons beyond THE COMPANY's control or due to total or partial unavailability of service.

The validity of advertising or information that is not clearly defined will cease at the moment it is no longer published or eight days after it is published if it has not been utilized by users or potential users. THE COMPANY may modify, renew, terminate, or extend validities at any time without prior notice.

All methodology, thematic content, didactics, pedagogy, or andragogy; including homework, exams, and grades may be modified by THE COMPANY at any time and without prior notice.

In the event of force majeure or acts of God, THE COMPANY may make the decision to provide its virtual services in a face-to-face or digital manner, or its face-to-face or digital services in a virtual manner, partially or totally.

Placement or proficiency exams will be administered and graded according to the criteria of THE COMPANY.

It cannot be guaranteed that the progress in the learning process of a minor will be equal to the progress of an adult, but it is expected to be close. The levels presented as objectives to be achieved with the different courses, modules, diploma programs, programs, conferences, consultancies, or other services are for reference, but they may differ from the results of one user to another due to multiple reasons, including lack of commitment or lack of attendance by the student. THE COMPANY is not liable for these types of results and cases. In cases where a student undergoes training in evening or Sunday schedules, the student and their guardian shall be solely responsible in all cases, as previously clarified.

Preparation training for international exams or higher education topics will have permanent variations when compared to other language trainings. The student must consult the information in this regard exclusively through www.josephritz.com

The availability and type of clubs, as well as the schedules and age differentiation, are subject to the capacity and other decisions of THE COMPANY.

THE COMPANY may offer and guide any type of course, module, diploma program, program, conference, consultancy, or other service when there is no explicit law prohibiting it.

Second or third language courses offered as a free or partially free additional benefit will be assigned according to the availability of human, virtual, technological, and physical resources.

For THE COMPANY, only the guarantees contractually agreed upon by the parties and which do not contravene any other legal, administrative, or internal norm or policy shall be valid.

PART THREE - Variable terms, conditions, and restrictions:

The third part of this document contains the variable terms, conditions, and restrictions applicable to specific Campaigns issued by THE COMPANY.

The special terms, conditions, and restrictions are as follows:

None at the moment. For this reason, all Campaigns will be governed by the first and second parts of this document.

PART FOUR - Clarifications:

All rates, information, offers, and/or advertising contained in any of THE COMPANY's messages or communications are effective and valid strictly until the upcoming November thirtieth (30th), or less if so stated in any other medium, channel, piece, or document; this also applies to any other information and/or advertising published through other media or channels of THE COMPANY or its establishments. Furthermore, all rates, information, offers, and/or advertising of THE COMPANY are subject to terms, conditions, and restrictions, which are available by browsing the website www.josephritz.com. By contacting THE COMPANY through any channel or by replying to any of its messages, the sender of the communication (the party contacting THE COMPANY) accepts the various policies (including data processing and privacy policies) and other legal matters and documents mentioned and accessible at www.josephritz.com; additionally, they are authorizing us (THE COMPANY) to send them any type of information, advertising, or offers through any medium, channel, or via telephone calls, utilizing the data they have provided or allowed us to know, including: a telephone number, a WhatsApp number or account, or an email address; this information can be expanded upon by browsing the aforementioned website. The data owner may request THE COMPANY to have any or all of their data removed from any of THE COMPANY's databases, through the means, methods, procedures, and channels set forth in the data and privacy policy that can be found on the aforementioned website.

Updated: January 02, 2026.