Unified Group Terms and Conditions

Version 1.0, last updated 9 November 2026

These Terms and Conditions (the "Terms") govern the sale, supply and use of every product and service of GYA Media, Apollo Papas and Career Readiness Sprint, including MARΣ Reporting, Reachly Outreach Tools, the Vault (BusinessVault), From Chaos to Revenue (6WS), CRS, all webinars and any product launched in the future. By accessing, registering for, purchasing or using any Product, you agree to be bound by these Terms.

Contents

1. About these Terms
2. Purchase and use of Products
3. Refunds and cancellations
4. Licences, intellectual property and your content
5. Standards of conduct
6. AI features, third-party services and security
7. Disclaimers and liability
8. Suspension, termination, amendments and legal matters
9. Education programmes, webinars and events
10. The Vault (BusinessVault) and its apps
11. Software subscriptions: MARΣ Reporting and Reachly Outreach Tools
12. Agency and professional services
13. Website terms
14. Annex A. Model withdrawal form

Part 1. About these Terms

1.1 The Group and the Seller. The Group operates under the names GYA Media and Apollo Papas (together, the "Group", "we", "us" or "our"). Products are sold by three legal entities. The entity that sells a Product to you is your sole contracting party for that Product (the "Seller"). "You" means the natural or legal person who registers for, purchases or uses a Product.

Requests concerning personal data, for all three entities, shall be sent to [email protected].

1.2 Allocation of Products to Sellers.

1.3 Future products. These Terms apply to every product or service launched by the Group in the future, from its launch date, without the need for any further acceptance. The Seller is named on the sales page, order form or checkout. Where no Seller is named, education and coaching products are sold by the sole proprietorship, and software, digital libraries and business services are sold by GYA Media SP P.C. A new product may be governed by additional product terms, which we shall add to these Terms as a new Part. If a product is renamed, these Terms continue to apply to it under its new name.

1.4 Contract documents. Your contract with the Seller consists of:

1. these Terms;
2. the product description, price and conditions shown on the sales page or at checkout at the time of purchase;
3. any signed contract, proposal or statement of work;
4. our Data Processing Terms, where we process personal data on your behalf.

Our Privacy Policy and Cookie Policy describe how we handle personal data and cookies. They are separate documents and do not form part of the contract.

1.5 Order of precedence. In the event of a conflict between documents, the following order of precedence applies:

1. mandatory law, including consumer protection law, which always prevails;
2. a signed contract, proposal or statement of work, to the extent that it expressly varies these Terms;
3. the Data Processing Terms, in matters of personal data;
4. the product terms in Parts 9 to 12 and the website terms in Part 13;
5. Parts 1 to 8;
6. any other policy referred to in these Terms.

Any terms submitted by you, including in a purchase order, are excluded and do not apply unless signed by the Seller.

1.6 Consumers and Business Customers. A "Consumer" is an individual who purchases for purposes outside their trade, business or profession. A "Business Customer" is any natural or legal person who purchases for business purposes, including sole traders, freelancers and agencies. A clause marked "Consumers" or "business customers" applies only to that category. All other clauses apply to everyone. MARΣ Reporting, Reachly and our agency services are offered to Business Customers only. By signing up for them, you represent that you are acting for business purposes. Nothing in these Terms limits any right that consumer law grants you and that cannot be excluded by contract.

1.7 Definitions.

• Account: your login to any of our Products.
• Authorised User: a person whom a Business Customer allows to use its Account, such as an employee, contractor or client.
• Checkout Waiver: the consent described in clause 3.2.
• Confidential Information: all non-public information disclosed by or on behalf of one party to the other, including Content, pricing, methods, prompts, workflows, business plans and the information members share in sessions.
• Content: everything we make available through a Product, including videos, recordings, documents, templates, prompts, audio files, software and the AI outputs we provide.
• Customer Data: data that you or your Authorised Users enter into, or connect to, our Software, including data from connected accounts.
• Data Processing Terms: our terms for processing personal data on behalf of Business Customers under Article 28 of the GDPR, published on our legal page.
• Fees: all amounts payable for a Product, including subscription fees, one-time prices, instalments, setup fees and any other charges under these Terms.
• Group Entity: each of the three entities listed in clause 1.1.
• Intellectual Property Rights: copyright, trade marks, trade names, domain names, database rights, design rights, know-how, trade secrets and all similar rights, whether registered or unregistered, anywhere in the world.
• Order: any purchase, registration, signup, acceptance of a proposal or statement of work by which you acquire a Product.
• Product: any product or service of the Group, including programmes, webinars, events, digital content, software, apps and agency services.
• Programme: an education or coaching product, such as 6WS, CRS or Mentorship.
• Software: MARΣ Reporting, Reachly and any other software we provide by Subscription.
• Subscription: a Product billed on a recurring monthly or yearly cycle until cancelled.
• Working Day: any day other than a Saturday, a Sunday or a public holiday in Greece.
• Your Content: anything you post, upload or send through a Product, including messages, comments, files and prompts.

1.8 Language. These Terms are drafted in English. If we publish a translation and the two versions differ, the English version prevails, unless the law of your country of residence requires otherwise.

1.9 Effective date and updates. These Terms apply to you from the date you sign up. We may update these Terms at any time in accordance with clause 8.6. Each update is published on this Terms and Conditions page, together with the date of the latest update. The updated Terms apply to all new and existing purchases.

1.10 Interpretation. Headings are for convenience only and do not affect interpretation. The words "including" and "such as" are illustrative and do not limit the general words that precede them. Words in the singular include the plural and vice versa. "Written" and "in writing" include email. A reference to a law includes that law as amended or replaced from time to time.

Part 2. Purchase and use of Products

2.1 Acceptance. You accept these Terms when you create an Account, purchase or register for a Product, or use a Product. If you do not accept these Terms, you shall not use our Products. If you accept these Terms on behalf of an organisation, you represent that you have authority to bind it. At checkout, acceptance is given by ticking the mandatory box "I agree with terms and conditions". For Products that give immediate access to digital content, ticking that box also constitutes the Checkout Waiver in clause 3.2.

2.2 Age. By purchasing from us or opening an Account, you are deemed to confirm that you are at least 18 years old, unless a Product is designed for younger people. For those Products, in accordance with Article 21 of Greek Law 4624/2019, under which the age of digital consent in Greece is 15:

• persons aged 15 to 17 may register with the consent of a parent or guardian;
• persons under 15 may take part only if a parent or guardian registers them or authorises their participation;
• any purchase by a person under 18 requires the consent of a parent or guardian, who is then responsible for payment.

The user and the parent or guardian are responsible for compliance with this clause. If you provide false information about your age, we may terminate your access without refund. Where a Product may reach minors, we restrict content unsuitable for them. If we become aware that we hold personal data of a minor without the consent required by law, we delete it. Child safety concerns may be reported to [email protected].

2.3 Accounts. You shall provide accurate details and keep them up to date, and you shall keep your login credentials confidential. Each Account or seat is for one named person and shall not be shared. You are responsible for all activity carried out through your Account, and you shall notify us immediately of any suspected unauthorised use. We may act on any instruction given through your Account and are not liable for any loss arising from the use of your credentials by any third party. A Business Customer is responsible for its Authorised Users and shall ensure that they comply with these Terms.

2.4 Orders and prices. The price, the scope of what is included and any conditions are shown on the sales page or at checkout before payment. Prices for Consumers include VAT. Prices for Business Customers exclude VAT and other taxes unless stated otherwise. Your Order is accepted when we confirm it by email or give you access, whichever occurs first. We may decline any Order before acceptance, in which case any amount paid is refunded in full.

2.5 Payment. Payments are processed by our payment provider, Stripe, or by bank transfer where an invoice so provides. We do not see or store your full card details. All Fees are stated and payable in euro, unless stated otherwise. You bear any bank, transfer or currency conversion charges. You authorise us to charge your payment method for all amounts due, including renewals. We send receipts by email. If you require an invoice issued to a business, you shall request it from the Seller's support address.

2.6 Subscriptions and renewals. Subscriptions renew automatically for the same period, monthly or yearly, until cancelled. You may cancel at any time in your Account or by email to the Seller's support address. Cancellation takes effect at the end of the period already paid for, and you retain access until then.

2.7 Price changes. We may change Subscription prices. We shall notify you at least 30 days before a change applies to you. The new price applies from your next renewal date, and you may cancel before that date. A founding, launch or promotional price remains fixed for the period stated in the offer, provided that your Subscription remains active and paid. If you cancel, the offer price ends and cannot be reinstated.

2.8 Payment plans. Certain Products may be paid in instalments. A payment plan divides one total price into instalments. It is not a Subscription, and it cannot be cancelled to stop the remaining instalments, except in exercise of your rights under Part 3. If an instalment fails, we shall retry the payment and notify you. If the instalment remains unpaid 7 days after our notice, we may suspend your access until payment is made. The remaining instalments remain due.

2.9 Free plans, trials and beta features. We may offer free plans, free trials and features designated as beta, preview or early access. We may modify or discontinue them at any time. They are provided without any warranty or support commitment. When a trial ends without a paid plan, we may delete the data it contains after the period stated in the product terms. Business customers: our total liability in respect of a free plan, trial or beta feature is limited to EUR 20.

2.10 Late payment (business customers). Invoices are payable on issue, subject to a grace period of 5 days. After the grace period:

• statutory interest for late payment in commercial transactions accrues without any reminder, under Greek Law 4152/2013 or, for contracts with GYA Media Group Ltd, under the Late Payment of Commercial Debts (Interest) Act 1998;
• we may charge the fixed compensation set by the applicable law (EUR 40 per invoice under Greek law), together with reasonable recovery costs, including legal fees;
• we may suspend access to the Software or the provision of services until the full amount is paid, after notifying you by email. Fees continue to accrue during the suspension.

You shall not withhold any amount you owe us or set it off against any claim you have against us. We may set off any amount you owe to any Group Entity against any amount we owe you.

2.11 Taxes (business customers). You are responsible for all taxes on your purchases, other than taxes on our income. Where the reverse charge mechanism applies, you shall account for the VAT. If any withholding or deduction is required by law, you shall pay such additional amount as ensures that we receive the full amount invoiced.

2.12 Your representations. You represent and warrant that:

• the information you provide to us is true, accurate and complete;
• you have full legal capacity and, where you act for an organisation, authority to bind it;
• your use of the Products complies with all applicable laws;
• you hold all rights, licences and consents required for Your Content and Customer Data.

Part 3. Refunds and cancellations

3.1 Right of withdrawal (Consumers). A Consumer in the EU or the UK may generally withdraw from a purchase within 14 days of the date on which the contract is concluded, without giving any reason. Clauses 3.2 and 3.3 set out when this right ends earlier.

3.2 Digital content with immediate access (Consumers). Many Products give access to content immediately after payment, such as a member area, the Vault, recordings or downloads. For these Products, the checkout requires you to tick the mandatory box "I agree with terms and conditions" before you can proceed. By ticking that box, you expressly request that access to the digital content begins immediately, before the 14-day withdrawal period ends, and you acknowledge that you lose your right of withdrawal once access begins. Once access begins, your right of withdrawal in respect of that content ends, in accordance with Article 16(m) of Directive 2011/83/EU, as transposed by Article 3ιβ of Greek Law 2251/1994. We keep a record of your consent and confirm it to you by email.

3.3 Live programmes, coaching and events (Consumers). If you ask us to begin a service within the 14-day period, for example a cohort that starts the following week, and you withdraw before the first scheduled date, we refund the price less the value of any part of the service already provided. Once a service has been provided, or access to materials has been given, for example where a webinar or event has taken place, your right of withdrawal ends.

3.4 Refunds by product.

3.5 Exercise of withdrawal or cancellation. You shall send a clear statement to the Seller's support address (clause 1.1) within the applicable period, or use the form in Annex A. Refunds are made to the payment method used, within 14 days of receipt of your request.

3.6 Non-conforming content or services (Consumers). If digital content or a service does not conform to its description or does not function as it should, you are entitled to the remedies provided by consumer law, in particular Greek Law 2251/1994 and Directive (EU) 2019/770, including repair, a price reduction or termination of the contract. The Checkout Waiver does not affect these rights. Before requesting a refund, you shall first contact our support team so that we may attempt to resolve the issue.

3.7 Business customers. The 14-day consumer right of withdrawal does not apply to purchases made for business purposes. Business Customers are entitled to refunds only as set out in clause 3.4 or in a signed contract.

3.8 Payment disputes and chargebacks. You shall contact us before disputing a payment with your bank or card issuer. You retain any right you have to dispute a charge. While a dispute is pending, we may suspend access to the Product concerned. If the dispute is decided in our favour, access is restored and the amount remains due. Business customers: if you dispute a valid charge, you shall, in addition to the disputed amount, reimburse the dispute fees charged to us by our payment provider, pay an administrative fee of EUR 1,500 per dispute and bear all costs of recovery, including legal fees.

3.9 Abusive refund requests. To the extent permitted by law, we may refuse any refund request that we reasonably consider abusive or fraudulent, including where Content has been downloaded, copied or shared before the request.

Part 4. Licences, intellectual property and your content

4.1 Ownership. We or our licensors own all Intellectual Property Rights in the Content, Software, materials, designs, brand names and logos in our Products. A purchase grants you a licence to use the Product. It does not transfer ownership of any Intellectual Property Rights. All rights not expressly granted in these Terms are reserved.

4.2 Licence types. Each Product carries one or more of the following licences. The sales page or the asset itself states which licence applies. If no licence is stated, the Personal Licence applies.

All licences are non-exclusive, non-transferable and non-sublicensable. We may withdraw a licence at any time if we believe that you have breached these Terms.

4.3 Restrictions. Content is our Confidential Information. Unless we agree otherwise in writing, you shall not:

• share your login or give access to anyone outside your Account;
• copy, download, record or store Content outside the Product, beyond the downloads the Product offers;
• sell, resell, sublicense, rent or give away Content or access, including as part of your own course, library or membership;
• publish Content or display it publicly, including in social media posts, beyond short quotations with attribution;
• upload Content to any AI tool, dataset or service that uses it to train AI models, or use Content to build a competing product;
• copy, decompile or reverse engineer our Software, except to the extent permitted by law;
• scrape, crawl or extract data from our Products by automated means;
• circumvent access restrictions, security measures or usage limits;
• remove any copyright or ownership notice.

4.4 Our names and brands. GYA Media Group, GYA Media, Apollo Papas, Apollon Papas, From Chaos to Revenue, The Execution Sprint, Career Readiness Sprint, CRS, MARΣ Reporting, MARS Intelligence Reporting, Reachly Outreach Tools, the Vault, BusinessVault, Library Hub and our logos are names and marks of the Group, whether registered or not. You shall not use them, or anything confusingly similar to them, in your own names, domains, advertisements or materials, or suggest that we endorse you, without our written permission. You may refer to us accurately, for example to state that you completed one of our programmes.

4.5 Your Content. You own Your Content. You grant us a non-exclusive, worldwide, royalty-free licence to host, store, copy, process and display Your Content, solely to the extent necessary to operate the Product for you and for the people with whom you share it. You are solely responsible for Your Content and confirm that you hold the rights necessary to share it. We may remove Your Content if it breaches these Terms, platform policies or the law.

4.6 Feedback. If you send us ideas or suggestions about our Products, you grant us a perpetual, irrevocable, worldwide and royalty-free right to use them for any purpose, without payment or attribution. You are under no obligation to send feedback.

4.7 Testimonials and reviews. We publish a testimonial, review, name, image or recording of you only with your permission, given separately from these Terms. You may withdraw that permission for future use at any time by email. We publish testimonials only from people who bought or took part in the Product concerned.

4.8 Copyright complaints. If you believe that material in our Products infringes your rights, you shall email [email protected], identifying the material, where it appears, the rights you hold and your contact details. We review each complaint and remove the material if the complaint is valid.

4.9 Licence compliance (business customers). We may monitor the use of our Products by technical means to verify compliance with licence and plan limits. If your use exceeds the licence or plan purchased, you shall pay the Fees applicable to your actual use from the date on which the excess began.

Part 5. Standards of conduct

These standards apply wherever you use our Products or interact with other members, including communities, group calls, chats such as WhatsApp groups, comments, live events and our Software.

5.1 Respect. You shall treat members, guests and our team with respect. You shall not harass, threaten, insult, discriminate against or stalk anyone. You shall not post sexual, violent, hateful or illegal content, or anyone's personal information without their consent.

5.2 Confidentiality between members. Members often share business details, figures and plans in sessions. You shall keep confidential any information other members share and use it only for the purpose of taking part in the programme. You shall not take screenshots or recordings of other members or of their information.

5.3 No solicitation of members. You shall not pitch, sell or recruit members for your own or anyone else's products, services, programmes or groups, whether within our spaces or by contacting members privately as a result of meeting them there. You shall not post affiliate or referral links. You shall not set up groups that use our names without our permission. A member may still contact you for business on their own initiative. A breach of this clause will lead to termination of your access and to legal action.

5.4 Honesty. You shall not misrepresent your results, impersonate anyone, post fake reviews, or manipulate polls, challenges or leaderboards.

5.5 Recording. You shall not record, film, photograph, stream or transcribe any session, call or event by any means, including AI note-taking tools, without our written permission. We record certain sessions ourselves. Clause 9.7 sets out which sessions, for what purpose and for how long.

5.6 Acceptable use of our Software and websites. You shall not use our Products to:

• infringe any law or the rights of any person, including data protection, e-marketing, consumer and intellectual property law;
• send spam, or messages that do not comply with the sending rules in clauses 11.11 and 11.12;
• distribute malware or engage in phishing or fraud;
• attack, overload, probe or test the security of our systems, unless we agree in writing;
• access accounts, data or systems you are not authorised to use;
• collect personal data unlawfully, including by scraping;
• host or share illegal content, including content that sexually exploits children, which we report to the authorities;
• use AI features in any way prohibited by clause 6.1.

5.7 Enforcement. Our response depends on the breach and may consist of a warning, removal of content, temporary suspension or removal from the Product. For serious breaches, such as threats, illegal content, sharing of access, data theft, or soliciting members after a warning, we may remove you immediately and take legal action against you. We shall inform you of the action taken and of the provision breached, unless the law or a person's safety prevents us from doing so. You may request a review of a decision by replying within 14 days.

5.8 Refunds after removal. A Consumer or Business Customer who is removed for a breach of these Terms is not entitled to any refund.

Part 6. AI features, third-party services and security

6.1 AI features. Certain Products include AI features, such as Ask Apollo, Ask GYA, AI insights in MARΣ Reporting, writing assistance in Reachly and AI resources in the Vault. In using them:

• AI output may be inaccurate, incomplete or out of date. You shall verify it before relying on it or publishing it.
• AI output does not constitute legal, tax, financial, medical or other professional advice.
• You are solely responsible for your use of the output, including the messages you send and the decisions you take.
• You shall not use AI features to make decisions with legal or similarly significant effects on individuals, such as hiring or credit decisions, to create misleading or illegal content, or for any practice prohibited by the EU AI Act.
• You shall not enter special categories of personal data, such as health data, or other people's personal data, unless you have a lawful basis to do so.
• As between you and us, you own the output you generate, to the extent permitted by law. Other users may receive similar output.
• Fair use limits may apply and may be displayed in the Product.

6.2 Training of AI models. We do not use Your Content or Customer Data to train AI models. We are not liable where a third-party AI provider, under its own business terms, trains its models on data we send to it.

6.3 Transparency. Our AI assistants disclose that they are AI. Where required by law, we label content generated with AI.

6.4 Third-party services. Our Products operate with services provided by third parties, such as Google, Meta, LinkedIn, email providers, Stripe, app stores, video meeting tools and messaging apps. Your use of those services is governed by their own terms. We are not responsible or liable for their availability, their changes, their acts or omissions, or any loss they cause. If a third party changes, restricts or withdraws its service, we may modify or remove the related feature without notice. This does not constitute a breach of these Terms. If it removes a core feature of a paid Subscription, clause 8.5 applies.

6.5 Security. We protect our systems and your data with measures appropriate to the risk. They include:

• network protection and bot filtering in front of our websites and apps;
• encrypted connections between your device and our services;
• private code repositories with restricted access;
• regular backups held with a separate storage provider;
• card payments handled entirely by our payment provider, so that we never store full card numbers.

We do not hold our own SOC 2 certification. Our hosting, database, backup and payment providers hold independent certifications such as SOC 2 Type II, ISO/IEC 27001 and, for card payments, PCI DSS Level 1.

No system is completely secure, and we do not warrant that our systems are free from vulnerabilities. You are responsible for your own devices and passwords, and for the security of the accounts you connect to our Products.

6.6 Security incidents. If a security incident affects your personal data, we notify the competent supervisory authority and you, as required by the GDPR. Where we process data for a Business Customer under the Data Processing Terms, we notify that customer without undue delay after becoming aware of the incident. Suspected vulnerabilities or incidents shall be reported to [email protected].

Part 7. Disclaimers and liability

7.1 Education, not professional advice. Our programmes, webinars, Content, Vault assets and AI outputs are provided for education and general information only. They do not constitute legal, tax, accounting, financial, investment, employment, medical or other professional advice. You shall obtain advice from a qualified professional before taking any decision that requires it.

7.2 No guaranteed results. We do not promise any income, revenue, profit, leads, meetings, rankings, job offer, salary or other result. Results depend on your effort, your business, your market and many factors outside our control. Figures, case studies and examples on our pages describe specific achievements or illustrate a calculation. They are not a forecast of your results. The only guarantees we give are those stated in clause 3.4 and in the product terms, subject to the conditions stated there.

7.3 Testimonials. Testimonials reflect individual experiences. They are not typical and do not mean that you will achieve the same results.

7.4 Provision of Products. We provide Software and digital Content on an "as is" and "as available" basis. We do not warrant that they will be uninterrupted or error-free, or that they will meet requirements you have not communicated to us in writing. We perform services with reasonable professional skill and care. Consumers retain their statutory rights where Content or a service is non-conforming (clause 3.6). Business customers: to the maximum extent permitted by law, all warranties, conditions and representations not expressly set out in these Terms, whether express or implied, including as to quality, fitness for a particular purpose and non-infringement, are excluded.

7.5 Liability to Business Customers. Our total aggregate liability to a Business Customer for all claims arising out of or in connection with a Product, whether in contract, tort, under statute or otherwise, is limited to the Fees paid for that Product in the one (1) month before the event giving rise to the claim, or EUR 100, whichever is greater. A signed contract may set a different limit. We are not liable for loss of profit, revenue, business, goodwill or anticipated savings, or for any indirect or consequential loss. For lost or damaged data, our liability is limited to restoring the data from our latest backup, where backups are included in your service terms.

7.6 Liability to Consumers. We are liable for loss you suffer that is a foreseeable result of our breach of these Terms or of our negligence. We are not liable for loss that was not foreseeable, that you could have avoided, or that results from your own business decisions. If you use a Product for business purposes, clause 7.5 applies to you instead.

7.7 Liability we do not limit. Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, for fraud, for intent or gross negligence, or any other liability that cannot be limited by law.

7.8 Indemnity (business customers). You shall indemnify and hold harmless each Group Entity against all third-party claims, and the related losses, damages, fines and reasonable costs, including legal fees, arising from Your Content or Customer Data, your breach of these Terms or of the law, emails or messages you send through our Software, accounts you connect without proper authority, or claims by your own clients. We shall notify you of any such claim. We may conduct the defence ourselves at your expense or require you to conduct it. You shall not settle any claim in a manner that imposes any obligation or admission on us without our prior written consent.

7.9 Intellectual property indemnity (business customers). If a third party claims that your permitted use of our paid Software infringes its Intellectual Property Rights, we shall defend you and pay the damages finally awarded against you, up to the limit in clause 7.5, provided that you notify us promptly in writing, give us sole control of the defence and settlement, and provide all reasonable cooperation. Alternatively, we may modify the Software so that it no longer infringes, obtain for you the right to continue using it, or terminate the Subscription and refund prepaid Fees for the unused period. This clause does not apply to claims caused by Your Content, by modifications you make, or by the combination of our Software with anything we did not supply. This clause states our entire liability, and your sole remedy, for any infringement claim.

7.10 Slight negligence (business customers). To the extent permitted by Article 332 of the Greek Civil Code and other applicable law, we are not liable to Business Customers for slight negligence. This clause is without prejudice to clause 7.7.

7.11 Your own copies (business customers). You are responsible for keeping your own copies of Your Content and Customer Data. We are not liable for any loss of data that you could have prevented by keeping such copies.

Part 8. Suspension, termination, amendments and legal matters

8.1 Suspension. We may suspend access to a Product, in whole or in part, if:

• an amount remains unpaid after the grace period in clause 2.10 or the notice in clause 2.8;
• your use puts our systems, other users or third parties at risk;
• you breach Part 5 or the sending rules in clauses 11.11 and 11.12;
• a platform whose data or service the Product uses requires it;
• the law or a competent authority requires it.

Where possible, we suspend only the affected Product, campaign or feature, inform you of the reason and explain how to remedy it. We restore access once the reason has been resolved. Suspension does not relieve you of any payment obligation.

8.2 Termination by you. You may cancel a Subscription at any time (clause 2.6). Programmes and events are cancelled under Part 3. Agency services end in accordance with clause 12.9.

8.3 Termination by us. We may terminate your access or your contract:

• with immediate effect, if you seriously breach these Terms;
• if you breach these Terms in any other way and fail to remedy the breach within 14 days of our notice;
• with immediate effect, if you are a Business Customer and you become insolvent, enter into bankruptcy, liquidation or any arrangement with creditors, or cease to carry on business;
• with immediate effect, if required by law or by a competent authority;
• if we discontinue a Product, on at least 30 days' notice (60 days for the Vault, see clause 10.8). In that case, we refund prepaid Fees for the period after the Product ends.

8.4 Effect of termination. Your licences to use the Product end, except the Deliverables Licence and the Client-Use Licence for work already delivered. Amounts already due remain payable. For Software, you may export Customer Data for 30 days after termination (clause 11.6). Termination does not affect any rights or remedies accrued before termination. Clauses which by their nature are intended to survive, including those on payment, intellectual property, confidentiality, liability, indemnities and disputes, survive termination.

8.5 Changes to Products. We improve and change our Products over time. We shall not materially reduce the core features of a paid Subscription during a period you have already paid for. If we are required to do so, for example because a platform withdraws access, we shall inform you, and you may cancel and receive a partial refund of prepaid Fees for the unused period.

8.6 Amendments to these Terms. We may amend these Terms at any time for a valid reason, including a change in the law, a new product or feature, a change in how we operate a Product, a platform requirement or a security need. Amended Terms are published on this Terms and Conditions page with the date of the latest update and, in accordance with clause 1.9, apply to all new and existing purchases from their effective date. If an amendment materially disadvantages paying customers, we shall notify you by email or in the Product at least 30 days before it takes effect. You may cancel before the amendment takes effect and receive a refund of prepaid Fees for the unused period. Amendments required by law, security or a platform may take effect immediately. Your continued use of a Product after the effective date constitutes acceptance of the amended Terms.

8.7 Assignment and subcontracting. We may assign or transfer our rights and obligations under a contract to another Group Entity, or to a purchaser of the business or Product concerned. We shall notify you of any such transfer, and your rights will not be reduced. We may subcontract the performance of any of our obligations. You shall not assign or transfer your contract, Account or access without our written consent. For Business Customers, we shall not unreasonably withhold consent in the case of a merger, sale or group reorganisation.

8.8 Force majeure. We are not liable for any delay or failure caused by events beyond our reasonable control, including outages of internet, hosting, AI or platform providers, cyber attacks, power failures, natural disasters, epidemics, war, sanctions, strikes or government action. We shall notify you and use reasonable efforts to limit the effects. If such an event prevents the provision of a paid service for more than 90 days, either party may terminate that service, and we shall refund prepaid Fees for the period not provided. This clause does not suspend payment obligations.

8.9 Sanctions. You represent that you are not subject to sanctions imposed by the EU, the UK or the UN, and that you are not owned or controlled by any person who is. You shall not use our Products from, or for the benefit of, any country or person subject to such sanctions. We may refuse, or terminate with immediate effect, any contract that would breach sanctions law. You shall indemnify and hold harmless each Group Entity against all fines, penalties, losses, damages and costs, including legal fees, arising from any breach of this clause. This indemnity is not subject to any limitation of liability.

8.10 Notices. We send notices to the email address associated with your Account or display them in the Product. Notices to us shall be sent to the Seller's support address (clause 1.1). Legal notices may also be sent by post to the Seller's registered address. A notice sent by email is deemed received on the next Working Day after it is sent. Notices by email satisfy any requirement for written form.

8.11 Complaints. Complaints shall be sent to the Seller's support address. We acknowledge receipt and respond within 30 days. If we require more time, we shall inform you of the reason and of when to expect a response.

8.12 Governing law and jurisdiction. Contracts with the sole proprietorship or with GYA Media SP P.C. are governed by Greek law, and the courts of Athens have exclusive jurisdiction. Contracts with GYA Media Group Ltd are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction. The United Nations Convention on Contracts for the International Sale of Goods does not apply. Nothing in this clause prevents us from seeking interim or injunctive relief before any competent court to protect our Intellectual Property Rights or Confidential Information, or from bringing proceedings against a Business Customer before the courts of its registered seat.

8.13 Consumers. If you are a Consumer, before referring any dispute to an alternative dispute resolution body or to a court, you shall first notify the Seller in writing at its support address, describing the dispute, and allow the Seller 30 days to resolve it amicably. If the dispute is not resolved within that period, you may refer it to an alternative dispute resolution body, such as the Hellenic Consumer Ombudsman in Greece or the competent body in your country, or bring proceedings before the courts that have jurisdiction under applicable law. Clause 8.12 applies to Consumers only to the extent that it does not deprive them of the protection of mandatory law.

8.14 General.

• These Terms and the documents listed in clause 1.4 constitute the entire agreement between you and the Seller concerning the Product. They supersede all prior discussions concerning it, without limiting liability for fraud. Business Customers confirm that they have not relied on any statement or representation not set out in these documents.
• If a court holds any provision of these Terms invalid, the remaining provisions remain in force, and the invalid provision applies to the extent permitted by law.
• A failure or delay in enforcing a right does not waive that right.
• Only you and the Seller have rights under these Terms, except for other Group Entities and for app store providers where clause 10.7 so provides.
• Each Group Entity is responsible only for the Products it sells.
• Nothing in these Terms creates a partnership, employment or agency relationship between you and us.

8.15 Evidence. Our electronic records, including system logs, timestamps, checkout and consent records, and email correspondence, constitute evidence of the matters they record. As against Business Customers, they constitute full proof unless shown to be manifestly erroneous.

Part 9. Education programmes, webinars and events

This Part applies to The Execution Sprint: From Chaos to Revenue (6WS), Career Readiness Sprint (CRS), Mentorship, Ask Apollo, and every webinar, workshop, live event and future programme of Apollo Papas and CRS, whether current or future. The Seller is the sole proprietorship (clause 1.1). Clause 9.11 also applies to webinars and live events of GYA Media, which are sold by GYA Media SP P.C. (clause 1.2).

9.1 Scope of the programme. The sales page at the time of purchase sets out what your tier includes, including sessions, schedule, materials, access period, support channels and response times. That description forms part of your contract. We may replace part of a programme with an element of equal or greater value, and we shall inform you if we do so.

9.2 Access periods. Access to programme materials, recordings and updates lasts for the period stated for your tier. When the access period ends, we may offer you an optional upgrade to extend it.

9.3 Live sessions. Sessions take place on the dates and at the times shown on the sales page or in the programme calendar. If a session is rescheduled, we shall give you as much notice as possible. Where a session is recorded, you may watch the recording if you miss it. Missed sessions are neither repeated nor refunded.

9.4 One-to-one sessions. One-to-one sessions shall be booked within the programme period. To reschedule a booked session, you shall notify us at least 12 hours before it starts. A session missed without that notice counts as used. One-to-one sessions not used by the end of the programme period expire.

9.5 The Structure Guarantee (6WS). The Structure Guarantee describes what 6WS covers: if you attend and complete the session work, each session leaves you with a finished part of your system. It is a commitment concerning the content and support of the programme. It does not create a right to a refund and does not promise any business result.

9.6 VIP tiers and confidentiality. VIP and Intensive VIP members accept our confidentiality agreement during onboarding. It covers the information you share with us in one-to-one work. Clause 5.2 governs information members share in group sessions.

9.7 Recordings. We record group calls and, for VIP tiers, one-to-one sessions, so that participants can watch them again and so that we can improve the programme. Recordings are available to the participants of the relevant cohort and to our team for the period stated for your tier. For 6WS, recordings remain available for 6 months on the Basic tier and for 1 year on the VIP and Intensive VIP tiers, and one-to-one recordings are retained for 1 year. You may keep your camera off and change your display name in group calls. We do not use recordings of you in marketing without your separate permission (clause 4.7). Our Privacy Policy explains how we handle recordings as personal data. Recordings remain our property and form part of the Content.

9.8 Ask Apollo. Ask Apollo is an AI assistant built on Apollo Papas's frameworks and materials. It is available for the period stated for your tier, subject to fair use, and Part 6 applies to it. It is not Apollo Papas in person and does not replace advice from him or from any professional.

9.9 CRS. CRS is designed for students and young graduates. Clause 2.2 applies to participants under 18. CRS helps you prepare for the job market. It does not guarantee an interview, a job offer, a salary or any duration of employment. Salary figures on the CRS pages are illustrations based on the assumptions stated alongside them.

9.10 Mentorship. Mentorship is offered by application, and we may decline any application without giving reasons. The scope, duration and number of sessions are set out in your offer or agreement. If you pay in instalments, clause 2.8 applies.

9.11 Webinars and live events. Registration is personal and shall not be shared or transferred. When you register for a webinar, we send you the access details, reminders and the replay, where one is offered. We send other marketing communications only with your consent or where permitted by law, and you may unsubscribe at any time. Replays are available as stated on the registration page. Speakers, content, dates and format may change. If we cancel or reschedule a paid event and you cannot attend on the new date, you receive a full refund, which is your sole remedy. For online events, you are responsible for your own device and internet connection. We may refuse entry to, or remove from, any event a participant who breaches Part 5.

9.12 Transfer to a later cohort. If you cannot attend a cohort you have purchased, you shall inform us before the cohort starts. We may transfer you once to a later cohort, subject to availability. Once you have been transferred, you are no longer eligible for a refund.

Part 10. The Vault (BusinessVault) and its apps

This Part applies to the Vault (BusinessVault), under any name we use for it. The Seller is GYA Media SP P.C.

10.1 Description. The Vault (BusinessVault) is a membership library of guides, checklists, templates, audio lessons and AI resources, available on the web and in our mobile apps. The contents of each plan, such as categories, number of assets, AI resources, update frequency and group calls, are stated on the pricing page at the time of purchase.

10.2 Plans. Monthly and yearly plans are Subscriptions (clause 2.6). One-payment plans give access for the period stated on the plan. Add-ons attach to a plan and end when the plan ends, unless stated otherwise.

10.3 One-payment plans. A one-payment plan gives access for the period stated on the plan. Where a plan is described as "lifetime", this means for as long as we operate the Vault. New resources and updates are included for the period stated on the plan.

10.4 Use of Vault assets. Each asset indicates whether it is for personal use or for client use. Personal-use assets are subject to the Personal Licence, and client-use assets to the Client-Use Licence (clause 4.2). If an asset indicates neither, the Personal Licence applies. Under either licence, you shall not share downloads with anyone outside your Account, publish or resell the assets, add them to another library or membership, or build a competing library from them. You may use AI prompts, instruction files and skills only within your own AI tools.

10.5 Fair use. The Vault is intended for individual use, not automated scripts. We may restrict bulk or automated downloading, and we may suspend Accounts whose download activity indicates that the library is being shared or copied.

10.6 Changes to the library. We add, update and retire assets over time. The retirement of individual assets does not create a right to a refund. If we materially reduce what your plan includes during a period you have paid for, clause 8.5 applies.

10.7 Mobile apps. Our apps are also governed by the terms of the app store from which you download them. Purchases made through an app store are refunded under that store's rules. If you download an app from the Apple App Store:

• this agreement is between you and GYA Media SP P.C., not Apple, and Apple is not responsible for the app or its content;
• Apple has no obligation to provide maintenance or support for the app;
• if the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any. Apple has no other warranty obligation in respect of the app;
• Apple is not responsible for any claims relating to the app, including product liability, legal compliance and intellectual property claims;
• you represent that you are not located in a country subject to a US government embargo and that you are not on any US government list of prohibited or restricted parties;
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

10.8 Closure of the Vault. We shall give at least 60 days' notice of closure and allow you to download the assets your plan includes during that period. If you bought a one-payment plan less than 12 months before the closure date, we refund part of the price in proportion to the unused part of those 12 months.

10.9 Group calls. Part 5 and clause 9.7 apply to Vault group Q&A calls.

Part 11. Software subscriptions: MARΣ Reporting and Reachly Outreach Tools

Clauses 11.1 to 11.7 apply to all Software. Clauses 11.8 to 11.10 apply to MARΣ Intelligence Reporting ("MARΣ Reporting"), and clauses 11.11 to 11.15 apply to Reachly Outreach Tools ("Reachly"). The Seller is GYA Media SP P.C.

11.1 Business use only. Our Software is intended exclusively for businesses. By signing up, you represent that you are acting for business purposes. If you sign up on behalf of an organisation, you represent that you have authority to bind it.

11.2 Workspaces and users. The Account owner controls the workspace, its Authorised Users and its connected accounts. Each seat is for one named person. Agencies may create workspaces for their clients. The agency is our customer and is responsible for those workspaces. If an agency and its client part ways, we follow the agency's instructions on the transfer or deletion of the client's workspace, unless the law requires otherwise.

11.3 Plans and limits. Each plan is subject to limits, such as the number of brands, clients, users, connected sources, contacts or emails. If you exceed them, we may require you to upgrade or restrict your use until the next period. AI features are subject to fair use.

11.4 Availability. We aim to keep the Software available at all times, except during planned maintenance, which we announce in advance where possible. We do not provide any service level or uptime commitment unless a signed order includes one.

11.5 Customer Data. You own your Customer Data. We process it to provide the Software, acting as your processor under the Data Processing Terms, which form part of your contract. You are solely responsible for having a lawful basis for the data you enter or connect. We do not sell Customer Data, and we do not use one customer's data for another customer. We may use aggregated data that does not identify you or any individual to operate, secure and improve our Products.

11.6 Export and deletion. You may export your reports and data while your Subscription is active and for 30 days after it ends. After that period, we delete Customer Data, except copies we are required by law to retain, and we have no further obligation to retain or return it. Deleted data is removed from our backups as they are overwritten in their normal cycle.

11.7 Trials. Trials run for the period and with the features stated on the pricing page, and they require no payment card unless stated otherwise. If you do not choose a paid plan, the data in the trial workspace is deleted 30 days after the trial ends.

11.8 Connected accounts (MARΣ Reporting). MARΣ Reporting connects to advertising, analytics and other accounts that you authorise, such as Google and Meta accounts. You represent that you control each connected account or that its owner has authorised you to connect it, for example as an agency acting for a client. You may disconnect an account at any time. We use the access you grant only to provide the reporting features you use. We are not responsible for the settings, spend or activity of your connected accounts.

11.9 Google and Meta data (MARΣ Reporting). We handle data from Google and Meta services in accordance with their platform rules:

• our use of information received from Google APIs complies with the Google API Services User Data Policy, including its Limited Use requirements;
• we use platform data only to provide and improve the features you use, and never to serve advertising, to sell it or to transfer it to data brokers;
• our staff access platform data only with your permission, for security reasons or where required by law;
• we keep each customer's data separate, and we delete it when you disconnect the account or ask us to, as described on our data deletion page;
• you shall comply with Google's and Meta's terms when you use their data through MARΣ Reporting.

Google, Meta and other platforms may change or withdraw their APIs at any time. If they do so, or if a platform requires us to disconnect an account or delete data, we shall comply. This does not constitute a breach of these Terms.

11.10 Reports and AI insights (MARΣ Reporting). Reports reflect the data provided by the platforms. Figures may differ from those displayed within each platform because of attribution, time zones, currencies, data delays or privacy restrictions. AI insights and forecasts are estimates, and Part 6 applies to them. We are not liable for any decision taken on the basis of reports, insights or forecasts.

11.11 Sending rules (Reachly). When you send email through Reachly, you are the sender and the controller of your prospect data, and you are solely responsible for the content and legal consequences of your messages. You shall:

• have a lawful basis for each message under the data protection and e-marketing laws of each recipient's country;
• identify yourself truthfully, with accurate sender details and subject lines that are not misleading;
• include your company details and a working opt-out mechanism in every campaign email, and give effect to opt-outs within 2 Working Days;
• maintain a suppression list, which Reachly may apply across your entire Account;
• send only from domains you own or are authorised to use, with SPF, DKIM and DMARC configured;
• use contact lists only where you know their source and have a documented lawful basis, and never use harvested email addresses;
• inform prospects of how you obtained their data, where required by the GDPR;
• comply with the sending limits we set, including warm-up limits for new mailboxes, and with the bulk sender rules of mailbox providers such as Google and Microsoft.

11.12 Prohibited content (Reachly). You shall not send messages that are deceptive, illegal, harassing or sexually explicit, that promote illegal goods or services, or that contain malware or phishing links. You shall not use special categories of personal data in campaigns, and you shall not target people under 18.

11.13 Monitoring and enforcement (Reachly). To protect deliverability for all customers, we monitor bounce rates, complaint rates and other indicators of abuse, and we may review campaign content. If your sending breaches these rules or puts our infrastructure at risk, we may throttle, pause or stop campaigns or mailboxes, or suspend your Account. Where possible, we shall notify you first and give you an opportunity to remedy the problem.

11.14 Deliverability (Reachly). Inbox placement depends on mailbox providers, your domains, your lists and your content. We do not guarantee delivery, open rates, replies or meetings.

11.15 Agencies (Reachly). If you use Reachly for clients, you are responsible for each client's compliance with clauses 11.11 and 11.12, and for holding each client's authority to send in its name.

Part 12. Agency and professional services

This Part applies to the marketing, sales, outreach, automation, AI and consulting services we provide to businesses. The Seller is GYA Media SP P.C., or GYA Media Group Ltd where a contract with a UK client names it.

12.1 Proposal and contract. The scope, deliverables, timeline and Fees are set out in our proposal, statement of work or signed contract. In the event of a conflict with this Part, the signed document prevails. Work outside the agreed scope is charged separately at our current rates.

12.2 Cooperation. You shall provide timely access, materials, information and approvals, and ensure that they are accurate and lawful. If you are late, timelines are extended accordingly, and we may charge for additional work at our current rates. We are not liable for any delay or failure caused by your acts or omissions.

12.3 Fees and invoices. Fees exclude VAT. Invoices are issued monthly, quarterly or yearly, as agreed, and are payable on issue by card or bank transfer. Clause 2.10 applies to late payment.

12.4 Refunds. The Strategy Call marks the start of the substantive service, and no refund is due once it has taken place. Advance payments and retainers are non-refundable once work has started.

12.5 Results. We perform our services with reasonable professional skill and care. We do not guarantee leads, meetings, sales, revenue, rankings or other results, unless a signed contract sets a specific performance commitment together with its conditions and remedy.

12.6 Intellectual property. You retain ownership of your own materials, data, brand and accounts. Once you have paid in full, you may use the final deliverables for your business without time limit (the Deliverables Licence). We retain ownership of our methods, tools, templates, prompts, workflows and know-how, and of anything we created before or outside your project. Ownership of a deliverable passes to you only if the contract so provides. You shall not use our deliverables to train AI models without our written agreement.

12.7 Accounts and access. Advertising, analytics and CRM accounts and domains should be registered in your name. Where we set them up in our name, we shall transfer them or give you administrator access when the contract ends, once all invoices have been paid.

12.8 Personal data. Where we process personal data on your behalf, such as contact lists for outreach, you are the controller and we are your processor. The Data Processing Terms apply and shall be accepted before processing begins.

12.9 Term, renewal and notice. The engagement runs for the term stated in the proposal and renews for the same period unless either party gives written notice at least 25 days before the end of the current period. Because preparation for the next period begins within the month, this notice period admits no exceptions. Either party may terminate the contract with immediate effect if the other party seriously breaches it and fails to remedy the breach within 14 days of notice. You shall pay for all work performed and all costs committed up to the termination date.

12.10 Confidentiality. Each party shall keep the other's Confidential Information confidential and use it only for the purposes of the engagement, both during the engagement and after it ends. This obligation does not apply to information that is or becomes public through no fault of the receiving party, or that must be disclosed by law.

12.11 References. We may name you as a client and describe our work for you in general terms, unless you instruct us otherwise in writing. We publish case studies containing your results or figures only with your approval.

12.12 Liability. Clause 7.5 applies, unless the signed contract sets a different limit.

12.13 Acceptance of deliverables. Each deliverable is deemed accepted unless you notify us in writing of a material non-conformity with the agreed scope within 5 Working Days of delivery. Use of a deliverable in your business constitutes acceptance.

12.14 Non-solicitation of personnel. During the engagement and for 12 months after it ends, you shall not, directly or indirectly, solicit or engage any employee or contractor of the Group who was involved in your engagement, without our prior written consent.

Part 13. Website terms

This Part applies to all Group websites and their subdomains, including gya-media.com, apollonpapas.com, join-crs.com and the websites of MARΣ Reporting, Reachly and the Vault (BusinessVault), as well as any future websites, apps or products. You do not need an Account to use a website.

13.1 Use of our websites. You may browse our websites and use their content for your own information. You shall not copy substantial parts of them, frame them, scrape them or extract content from them by automated means, including for the purpose of training AI models, without our written permission. Indexing by search engines is permitted.

13.2 Information on our websites. We aim to keep our websites accurate, but information may change or contain errors, and we give no warranty as to its accuracy or completeness. The price and conditions shown at checkout apply to your purchase.

13.3 Links. Links to other websites are provided for convenience only. We are not responsible for their content or practices. You may link to our home pages in a fair manner that does not suggest any endorsement we have not given.

13.4 Platforms. Our websites and Products are not part of, sponsored by, endorsed by or administered by Meta, Google, LinkedIn or any other platform we mention. Their names and marks belong to their respective owners.

13.5 Privacy and cookies. Our Privacy Policy explains how we handle personal data. Our Cookie Policy explains the cookies we use and how you can control them.

13.6 Availability of websites. We may suspend, restrict or withdraw any website, or any part of it, at any time without liability.

Annex A. Model withdrawal form

Complete and return this form only if you are a Consumer and wish to withdraw from a contract (Part 3).

To the Seller of your Product:

• for programmes, webinars and events: Vasileios Apollon Papas (Apollo Papas), [email protected]
• for the Vault (BusinessVault): GYA Media SP P.C., [email protected]

I/We hereby give notice that I/we withdraw from my/our contract for the supply of the following digital content or service:

Product: ............................................................

Ordered on: ............................................................

Name of consumer(s): ............................................................

Address of consumer(s): ............................................................

Email used for the purchase: ............................................................

Signature of consumer(s) (may be typed; contact details required): ............................................................

Date: ............................................................