TERMS AND CONDITIONS OF USE

Last Updated: March 29, 2026

These Terms and Conditions of Use ("Terms") govern your use of all products, services, events, and memberships offered by By Tracy Smith, operating as Kitchen Table CEOs and Oh Yes We Can (together referred to as the "Company," "We," "Us," or "Our"), located in Aurora, Ontario, Canada.

Our contact email is [email protected] or [email protected].

"You" and "Your" refers to anyone who visits Our website, attends Our events, or purchases any of Our offerings (referred to collectively as the "Offering").

PLEASE READ THESE TERMS CAREFULLY. BY PURCHASING OR ACCESSING ANY OFFERING, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS.

1. GENERAL PROVISIONS

This website is owned and operated by the Company. You must be at least 18 years of age (the age of majority in Ontario, Canada) to purchase or access Our Offerings. These Terms are subject to change at any time. The most current version will always be posted on this page with an updated date.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

2. YOUR AGREEMENT TO THESE TERMS

By purchasing, registering for, or accessing any Offering, you confirm that you have read, understood, and agree to be bound by these Terms — whether or not you have physically read them in full. If you do not agree, please contact us before purchasing at the email above and we will make reasonable efforts to assist you.

3. EVENT TICKETS

3a. Ticket Purchases

When you purchase a ticket to any Oh Yes We Can or Kitchen Table CEOs event, you are entering into a binding agreement with the Company for a reserved spot at that specific event. Tickets are issued per person and are not included in any general refund policy.

3b. Non-Refundable Tickets

ALL EVENT TICKETS ARE NON-REFUNDABLE. Once a ticket is purchased, no refunds will be issued under any circumstances, including but not limited to: change of plans, illness, scheduling conflicts, or inability to attend.

We encourage You to review event details carefully before purchasing. If You have questions prior to buying, please reach out to Us at the contact email listed above.

3c. Ticket Transfers

Tickets may only be transferred to another individual with Our prior written approval. To request a transfer, You must:

• Contact Us at [email protected] at least 5 business days before the event;
• Provide the full name and contact information of the person receiving the ticket; and
• Receive written confirmation from Us before the transfer is considered valid.

Unauthorized ticket transfers (including resale) are not permitted and may result in denial of entry. We reserve the right to refuse entry to any individual whose ticket was transferred without Our prior approval.

3d. Photography & Video Consent at Events

By purchasing a ticket and attending any event organized by the Company, You acknowledge and agree to the following:

Photos and videos may be taken at Our events by the Company or its representatives. By attending, You grant the Company a non-exclusive, royalty-free, perpetual license to use Your image, likeness, and voice captured at events for promotional, marketing, and business purposes, including but not limited to social media, website content, advertising, and future event promotion.

You will not be notified in advance of each individual use, and You waive any right to review or approve specific uses of Your image or likeness.

OPT-OUT PROCESS: If You do not wish to be photographed or filmed, it is Your responsibility to notify Us in writing (via email) prior to the event. Once We have received Your request, We will make reasonable efforts to ensure You are not included in published media. Requests made after the event cannot be guaranteed.

By attending without providing prior written notice of objection, You agree that You have consented to the use of Your image and likeness as described above.

4. MEMBERSHIP — CANCELLATION & REFUND POLICY

The Company offers two membership options: Monthly and Annual. Each has its own cancellation and refund terms, outlined below. Our membership is a community experience, and We want to ensure every member has genuinely engaged with the Offering before requesting a cancellation or refund.

4a. Monthly Membership

Monthly memberships are billed on a recurring basis. You may cancel Your monthly membership at any time; however, the following conditions apply:

30-Day Notice Requirement:

Cancellations require a minimum of 30 days written notice prior to Your next billing date. Notice must be sent to [email protected]. You will retain access to Your membership for the remainder of any paid billing period following your cancellation notice.

Refund Eligibility — Monthly Members:

We stand behind Our membership and want You to feel confident joining. At the same time, We ask that You give it a genuine try before requesting a refund. To be considered for a refund of Your most recent monthly payment, You must demonstrate all of the following:

• You have attended at least one live or in-person event hosted by the Company during Your membership period;
• You have actively participated in the membership group chat (e.g., introduced yourself, engaged with posts, or responded to community prompts); and
• You have made a genuine, documented effort to engage with the membership and can clearly articulate why it is not the right fit for You.

To submit a refund request, email [email protected] with the subject line "Membership Refund Request" and include a brief written explanation describing the steps You took and why the membership did not meet Your needs. Refund requests that do not include this information will not be considered.

Refunds are issued at Our sole discretion. If approved, the refund will apply to Your most recent monthly payment only. Prior months are not eligible for refund.

4b. Annual Membership

Annual memberships are paid in full upfront at a discounted rate and grant access to the same community, events, and content as the monthly membership for a 12-month period. By choosing the annual plan, You are committing to a full year of membership at a reduced rate.

Automatic Renewal:

Annual memberships automatically renew at the end of each 12-month period at the then-current annual rate, unless cancelled in advance. By purchasing an annual membership, You expressly authorize this automatic renewal. Notice of automatic renewal is provided at the time of purchase and within these Terms. It is Your responsibility to cancel before Your renewal date if You do not wish to continue.

60-Day Cancellation & Prorated Refund Window:

We understand that circumstances change. If You wish to cancel Your annual membership — including after an automatic renewal — You have 60 days from Your original purchase date or renewal date to do so and receive a prorated refund for unused months.

Prorated refunds are calculated by dividing Your total annual payment by 12 to determine a monthly equivalent, then multiplying by the number of full months remaining in Your membership term at the time of cancellation.

Example: If You paid $X annually and cancel after 3 full months, You would receive a refund equivalent to 9 months at the monthly equivalent rate.

To request a cancellation and prorated refund, email [email protected] with the subject line "Annual Membership Cancellation." Refunds will be processed within 14 business days of approval.

After 60 Days:

No refunds will be issued for cancellations requested more than 60 days after Your purchase or renewal date. You will retain access to the membership for the remainder of Your paid annual term.

We designed this policy to be as fair as possible — you committed to a year at a great rate, and if things change, we’re not going to hold you hostage. If you’re unsure whether the membership is right for you, we encourage you to start with a monthly membership first.

5. INTELLECTUAL PROPERTY

All images, text, designs, graphics, trademarks, logos, taglines, videos, course materials, and other content owned or created by the Company are Our intellectual property and are protected under applicable Canadian and international law.

You may not reproduce, republish, distribute, or use any of Our content — in whole or in part — without Our prior written consent. This includes posting Our content to third-party websites or social media platforms.

Any materials, paid or free, that You access through Our Offerings are provided under a limited, non-transferable, non-exclusive, revocable license for Your personal, non-commercial use only.

Violations of this section may be subject to civil or criminal penalties under applicable law.

6. YOUR CONTENT & CONTRIBUTIONS

By submitting a comment, photo, video, review, or other material to any platform or channel owned or managed by the Company (including but not limited to Our Facebook group or online platforms), You grant Us a non-revocable, royalty-free commercial license to republish that submission, in whole or in part, for reasonable business purposes — unless You explicitly state that We may not at the time of submission.

7. PAYMENT & FINANCIAL TERMS

All prices are listed and charged in Canadian dollars (CAD) unless otherwise specified at checkout. By completing a purchase, You authorize Us to charge Your selected payment method for the total amount shown.

Applicable taxes will be applied as required by Ontario and Canadian law, including HST where applicable.

We reserve the right to correct pricing errors, even after payment has been received. You will be notified in writing of any such correction.

We are not able to accommodate price adjustments after a purchase has been completed.

Chargebacks

You agree to contact Us directly to resolve any billing concerns before initiating a chargeback with Your financial institution. If a chargeback is filed, You agree to forfeit access to all related Offerings and materials. We reserve the right to present these Terms and access records to Your financial institution as part of any dispute.

Cancellation & Outstanding Balances

If You choose to cancel a payment plan or subscription, any outstanding balance becomes immediately due upon cancellation. Balances unpaid after 14 days may be referred to a collections agency, and You agree to be responsible for any associated fees and costs.

8. SECURITY & PRIVACY

Payment information is processed through secure third-party processors (such as Stripe or PayPal). We do not store full credit card numbers. By using these processors, You agree to their applicable terms and assume responsibility for the security of Your payment details.

You are responsible for maintaining the confidentiality of Your account credentials. For more information on how We collect, use, and protect Your personal information, please refer to Our Privacy Policy, which is incorporated into these Terms by reference.

Our privacy practices comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation.

9. DISCLAIMERS & LIMITATION OF LIABILITY

Our Offerings are provided for educational, informational, and community purposes. We make no guarantees as to specific outcomes or results. Individual results will vary based on effort, background, and other factors outside Our control.

To the fullest extent permitted by Ontario and Canadian law, the Company is not liable for any direct, indirect, incidental, consequential, or special damages arising from Your use of Our Offerings, website, or related materials — including but not limited to lost profits, lost data, personal injury, or business interruption.

We are not medical, legal, or financial professionals. Nothing in Our Offerings constitutes professional advice of any kind.

10. INDEMNIFICATION

You agree to indemnify and hold harmless the Company, its officers, directors, employees, affiliates, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from Your use of Our Offerings, Your violation of these Terms, or Your conduct at Our events.

11. DISPUTE RESOLUTION

If a dispute arises between You and the Company, We encourage You to contact Us first at [email protected] so We can work toward a resolution in good faith. If a resolution cannot be reached, both parties agree to attempt mediation before pursuing formal legal action.

These Terms are governed by the laws of the Province of Ontario, Canada. Any legal proceedings shall be brought in the courts of Ontario.

12. NON-DISPARAGEMENT

You agree not to engage in any conduct that is defamatory, slanderous, or otherwise damaging to the Company’s reputation. Violations may result in immediate removal from all Offerings and may be subject to legal action.

13. TERMINATION

We reserve the right to terminate Your access to any Offering at any time, at Our sole discretion, if You violate these Terms or engage in conduct that is disruptive, harmful, or inconsistent with our community values. Termination does not entitle You to a refund except as specifically outlined in Section 4.

14. GENERAL PROVISIONS

Entire Agreement

These Terms, together with Our Privacy Policy, constitute the entire agreement between You and the Company regarding Your use of Our Offerings.

Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect.

Updates to These Terms

We reserve the right to update these Terms at any time. Updates will be posted on this page with a revised date. Your continued use of Our Offerings after any update constitutes Your acceptance of the revised Terms.

Contact Us

If You have any questions about these Terms, please contact Us at:

• Email: [email protected] or [email protected]
• Location: Aurora, Ontario, Canada

© 2026 By Tracy Smith / Kitchen Table CEOs / Oh Yes We Can. All rights reserved.