Terms and Conditions
These Terms and Conditions (“Terms”) are a legally binding agreement between Tandem Coaching Partners LLC (“Tandem,” “we,” “us,” or “our”) and the person or organization that visits our websites, uses our services, creates an account, or purchases an offering (“you” or the “User”). If an individual accepts these Terms for an organization, that individual represents that they have authority to bind the organization.
Tandem Coaching Partners LLC is located at 104 E Ovilla Rd, Red Oak, TX 75154-1278, United States. Questions about these Terms or a purchase may be sent to hello@tandemcoach.co.
Agreement Documents and Order of Control
These Terms govern Tandem’s websites, learning platforms, communities, digital materials, live programs, coaching, mentor coaching, supervision, assessments, subscriptions, and related products and services (collectively, the “Service”).
Tandem’s Additional Terms and Conditions are incorporated into and form part of these Terms. They contain the product-specific rules for Live Programs, Self-Paced Digital Courses, bundles, Scheduled Services, installment plans, Practitioner Series All-Access, Lifetime Access, organizational purchases, participant conduct, coursework, recordings, complaints, refunds, withdrawals, deferrals, and related matters. They are contractual terms, not an optional summary.
The following order applies if agreement documents conflict:
- rights and remedies that applicable law does not permit the parties to waive;
- a written agreement signed by Tandem and the Purchaser, but only for provisions it expressly identifies as replacing or modifying;
- an accepted Order Confirmation, checkout, invoice, proposal, or product-specific term, but only for the identified purchase and any express variation it contains;
- the Additional Terms for product-specific education, delivery, access, payment-plan, subscription, refund, participant, submission, recording, and organizational-purchase matters; and
- these general Terms.
A more favorable promise that formed part of an earlier purchase remains available to that purchaser. A later website change does not retroactively reduce an accepted right. Headings and summaries are for convenience and do not narrow the operative text.
Eligibility, Organizations, and Accounts
You must be legally capable of entering into a binding agreement. Individuals using or purchasing the Service must be adults under the law applicable to them unless Tandem expressly agrees in writing to an authorized arrangement involving a minor.
The Service is offered to both individual consumers and business, government, nonprofit, educational, and other organizational purchasers. Consumer-only protections apply only where the purchaser or participant qualifies for them under applicable law. An organization is responsible for ensuring that its authorized participants receive the agreement documents that apply to their use.
A purchase may be completed before an account is created. Tandem or a service provider may create or invite you to an account after purchase so that you can receive the offering. You must provide accurate information, keep credentials confidential, use only accounts you are authorized to use, and promptly notify Tandem of suspected unauthorized access. Unless Tandem expressly permits otherwise, accounts and individual learning access may not be shared.
Each person may hold one account, in their own name and with their own email address. A person may not open or use another account, whether under the same or a different name, email address, payment method, or device, to obtain another free trial, discount, or other offer limited per person; to get around a limit, suspension, termination, or refusal of service; or to buy or obtain access for a person Tandem has barred. A person whose access Tandem has ended or refused may not use the Service again, including through an account, purchase, trial, or invitation in another person’s or an organization’s name, unless Tandem agrees in writing.
Canceling a subscription stops renewal as described in the Additional Terms; it is not the same as deleting an account or requesting deletion of personal information. A valid privacy or account-deletion request will be handled under the Privacy Policy and applicable law. Tandem may retain transaction, credential, dispute, security, and other records when legally permitted or required, even after closing an account.
Purchases, Order Acceptance, and Payments
Product information and contract formation
Current descriptions, prices, schedules, availability, included features, delivery terms, and product-specific conditions are shown on the applicable offering page and during checkout or stated in the Order Confirmation. Website descriptions are invitations to place an order and may change prospectively. Submitting an order creates an obligation to pay but does not require Tandem to accept an order. Tandem accepts an order when it issues an acceptance or fulfillment confirmation, provides access, begins performance, or otherwise clearly confirms acceptance.
Tandem may reject an order or a free trial before acceptance for any lawful reason, including unavailability, eligibility concerns, suspected fraud, an earlier suspension, termination, or refusal of service, a reasonable belief that the order is placed by or for a barred person or through a second account, sanctions or export restrictions, an obvious pricing or description error, or inability to deliver. If Tandem rejects or cancels an order after collecting payment and no lawful charge is due, Tandem will return the applicable amount paid.
Prices, taxes, and payment processing
The currency, price, taxes, fees, discounts, installment dates, and total presented during checkout or in the accepted Order Confirmation govern that purchase. Taxes or charges identified as additional before order submission are payable by the Purchaser. Tandem will not add an undisclosed mandatory charge after acceptance.
Payments may be processed by Stripe, Affirm, a learning or community platform, an invoicing provider, a bank, or another third-party processor. The processor’s separate terms may govern its payment, financing, currency-conversion, authentication, and account services. Tandem remains responsible for its own obligations and does not receive or store complete payment-card details when the processor handles them.
If a payment fails, is reversed, or is overdue, Tandem may retry an authorized payment, request another payment method, suspend access, withhold a certificate or other deliverable, or exercise another lawful remedy. Tandem will not characterize an installment plan for a one-time purchase as an automatically renewing subscription.
One-time card credential authorization
When a card checkout identifies this authorization as applicable, accepting these Terms and selecting the button that submits the displayed payment gives Tandem and its payment processor, Adyen, your express consent and standing instruction to complete the following single-purchase sequence for the exact amount and currency shown at checkout:
- collect and encrypt the card details and card security code you enter;
- perform a zero-value account verification and create a processor token representing the verified card;
- hold that token only for the time reasonably required to initiate the same displayed purchase as an unscheduled stored-credential transaction;
- submit one immediate charge for that purchase using the token, without reusing or retaining the card security code after account verification; and
- delete the token after charge submission, definitive failure, abandonment, or completion of bounded reconciliation when the immediate result is uncertain.
This authorization is limited to the purchase and amount displayed in that checkout. It does not authorize a subscription, automatic renewal, later purchase, retry with a new amount, or any other future charge using that token. If the one-time sequence cannot safely continue, Tandem will require you to enter the card again rather than infer, recover, or reuse another stored credential. Deleting the token does not delete ordinary transaction, consent, fraud-prevention, dispute, accounting, or legal records that Tandem, Adyen, card networks, issuers, or acquirers may lawfully retain.
Installments
Unless the Order Confirmation expressly states otherwise, access for a purchase made on a Tandem installment plan begins after the first required payment succeeds. The remaining installments are portions of one total purchase obligation, not separate optional purchases. A payment failure may suspend access without waiving the remaining amount due. The withdrawal and cancellation rules in the Additional Terms control when Tandem cancels unpaid installments; those rules override any general acceleration or access language in these Terms.
Discounts, credits, and errors
Coupons, scholarships, credits, and regional or organizational prices are governed by the disclosed eligibility and use conditions. Unless Tandem expressly permits it, they may not be transferred, stacked, redeemed for cash, or applied retroactively. Tandem may correct an obvious pricing or description error by rejecting or canceling the affected order and refunding the amount paid instead of delivering at the erroneous term. Tandem will not increase the accepted price merely because a public price later changes.
Service Delivery, Access, and Subscriptions
Depending on the offering, Tandem may deliver the Service through a hosted learning or community platform, live video or in-person sessions, email, downloadable files, scheduled appointments, third-party tools, or a combination of methods. Digital content is not presumed to be a device download. You are responsible for reasonably current devices, software, internet access, and any disclosed technical requirements.
Tandem may make reasonable curriculum, instructor, scheduling, platform, security, or delivery changes that do not materially reduce the purchased offering. Remedies for cancellation, a material change, service interruption, or an event outside Tandem’s reasonable control are governed by the Additional Terms and any mandatory law.
Trial periods, automatic renewal, renewal notices, price changes, cancellation methods, access through the paid term, and the absence of a voluntary prorated refund are governed by the Practitioner Series All-Access provisions and the free-trial provisions for Self-Paced Digital Courses in the Additional Terms and the terms shown at enrollment. Cancellation after payment prevents the next renewal; it does not end access before the current paid term unless Tandem and the User agree otherwise or access is lawfully suspended for cause.
Tandem may use third-party platforms to deliver parts of the Service. Their availability, features, and separate user terms may change. Tandem will use reasonable efforts to provide a comparable delivery path when required by the applicable purchase terms, but it does not control a third party’s independent systems or policies.
Tandem Content, User Submissions, and Intellectual Property
Tandem content
Tandem and its licensors retain all rights in the Service and in Tandem-created courses, recordings, frameworks, assessments, templates, text, graphics, branding, software, and other materials. Subject to payment and these Terms, Tandem grants the authorized User a limited, non-exclusive, non-transferable, non-sublicensable license to use purchased materials for the User’s personal learning or the organization’s disclosed internal purpose during the applicable access period.
Tandem also offers some materials free of charge, such as coaching tools, worksheets, templates, guides, and assessments. Tandem grants each User a limited, non-exclusive, non-transferable, revocable license to use free materials for personal learning and in the User’s own coaching, teaching, or other work, including with the User’s clients, and to share unmodified copies with others at no charge. Shared copies must keep Tandem’s name and rights notices. Without Tandem’s written permission, a User may not sell or license free materials, charge for access to them, remove or replace Tandem’s name, or include them in a product, course, membership, content library, or other offering sold to others. A User who uses or shares Tandem materials is responsible for that use; Tandem does not take part in, supervise, or endorse activities it does not provide. Tandem may withdraw this license for a User or a particular use at any time, and after notice the User must stop that use.
Unless Tandem gives written permission, or these Terms or the material expressly allow it, Users may not reproduce, sell, sublicense, publish, publicly perform, distribute, create competing training from, remove rights notices from, systematically extract, or provide third-party access to Tandem content. Statutory exceptions and rights that cannot be waived remain unaffected.
User submissions and recordings
A User retains ownership of their original submission. By submitting coursework, recordings, transcripts, messages, files, or other material, the User grants Tandem and its service providers a non-exclusive license to host, copy, transmit, review, analyze, annotate, secure, and otherwise use the material only as reasonably needed to deliver, grade, administer, improve, and protect the offering; investigate misuse; meet legal or records obligations; and support an authorized accreditation review. The more specific submission, artificial-intelligence, confidentiality, retention, and client-recording rules in the Additional Terms control.
This operational license is not a general promotional license. Tandem will not use an identifiable participant testimonial, image, sensitive submission, or client recording for advertising, public promotion, or generalized model training without the separate authorization required by the Additional Terms and applicable law.
The submitting User represents that they have authority to provide the material and have obtained any required client, employer, participant, copyright-owner, privacy, or other third-party permission. Users must not submit unnecessary sensitive information and should redact information not reasonably needed for delivery or assessment.
Acceptable Use
Users must use the Service lawfully, respectfully, and only for its intended purpose. Users may not:
- share credentials or give unauthorized people access to paid or confidential materials;
- harass, threaten, discriminate against, impersonate, defame, or endanger another person;
- record a session or disclose another person’s confidential or personal information without required permission;
- infringe intellectual-property, privacy, publicity, confidentiality, contractual, or other rights;
- submit malware, probe security, evade or disable access controls, content protections, or trial and usage limits, or disrupt the Service;
- use bots, scripts, crawlers, scrapers, browser extensions, download managers, or other automated means to access, copy, or extract content, or to open or mark lessons complete, without Tandem’s written permission;
- download, copy, save, screen-record, or otherwise capture course videos, lessons, assessments, or other paid content, except files Tandem expressly offers for download, and then only for the User’s own use;
- collect content in bulk, or open or mark lessons complete at a pace or volume that serves copying or collecting the content rather than studying it;
- open or use more than one account, or start free trials or purchases under different names, email addresses, or payment methods, to get another free trial, discount, or offer limited per person, or to get around a limit, suspension, termination, or refusal of service;
- use a free trial, money-back guarantee, refund, chargeback, or payment dispute to obtain content and then avoid paying for it, or make a false claim to obtain a refund, credit, or other benefit;
- collect names, contact details, or other personal information about other participants, faculty, or community members from the Service, or use them for marketing or recruiting;
- misrepresent identity, residence, eligibility, attendance, coursework, credentials, payment status, or authority;
- put Tandem materials into an artificial-intelligence tool or service that may use them to train models or make them available to others;
- use Tandem’s name, logos, or materials in a way that suggests Tandem created, runs, sponsors, supervises, or endorses a person, group, product, or service when it does not;
- change Tandem materials and present the changed version as Tandem’s, or present Tandem materials as medical, mental-health, or other professional treatment;
- use Tandem materials to create or market a competing course, credential, assessment, or content library; or
- use the Service for unlawful, fraudulent, abusive, or unauthorized commercial activity.
Tandem may investigate suspected violations, preserve relevant evidence, restrict activity, remove content, suspend or terminate access, notify an affected platform or authority when lawful and appropriate, and use other remedies described in the Additional Terms. Tandem will apply mandatory consumer, privacy, accessibility, and contractual rights notwithstanding this section.
Enforcement, Linked Accounts, and Refusal of Service
Monitoring and evidence
To protect its content, its participants, and its payment systems, Tandem may monitor use of the Service, including sign-ins, accounts, devices, IP addresses, payment details, the lessons and materials opened, progress and completion events, and downloads, as described in the Privacy Policy. Tandem may treat activity that no person could be studying at, such as many lessons opened or marked complete within minutes, as evidence of bulk collection. Tandem may treat accounts, trials, or orders that share a name, email address, payment method, device, network, or pattern of behavior as belonging to or controlled by the same person.
What Tandem may do
If Tandem reasonably believes that a person has collected content in bulk, used automated means, used more than one account to get around a limit or a ban, abused free trials, refunds, or payment disputes, shared access, or committed fraud, Tandem may, at once and without prior notice or an opportunity to cure:
- suspend or close every account it reasonably believes belongs to or is controlled by that person, including accounts in other names;
- end free trials, enrollments, subscriptions, and access to every offering, and cancel orders not yet fulfilled;
- refuse future orders, enrollments, free trials, invitations, and services from or for that person, now and in the future, under any name, through any account, and through an organization or another purchaser;
- block the email addresses, payment methods, devices, and networks associated with that person;
- withhold or revoke certificates and completion records; and
- keep records and evidence and, where lawful, share them with Tandem’s payment processors, learning and community platforms, and authorities.
Refunds and amounts due
When Tandem acts under this section, no refund is due, including under a money-back guarantee or a compassionate exception, and payment remains due for what was already delivered, except where non-waivable law requires otherwise. If Tandem cancels an order before giving any access to it, Tandem returns the amount paid for that order.
Other remedies
Copying or distributing Tandem content in bulk causes harm that money alone may not repair. Tandem may ask a court to stop it, in addition to seeking damages. Damages may include at least the list price of each offering whose content was taken, as a reasonable measure of the license fee that would have been due, and, where the law allows, the reasonable costs of investigation and enforcement, including attorneys’ fees.
Review and lifting a ban
A person who believes Tandem acted on mistaken identity or a material factual error may ask for the post-removal review described in the Additional Terms. A request to lift a ban must be sent to hello@tandemcoach.co, and the ban stands until Tandem agrees in writing. This section does not limit any right that applicable law does not allow Tandem to exclude.
Privacy, Communications, and Third-Party Resources
Tandem’s handling of personal information is described in the Privacy Policy. Cookie and tracking preferences are managed through the controls provided on the website. Transactional, account, schedule, safety, credential, legal, and service communications may be necessary to perform the agreement and are different from optional marketing communications.
The Service may contain links, integrations, or resources supplied by third parties. Tandem does not endorse or control independent third-party content merely by linking to it. A third party’s terms and privacy practices may apply to its service. Nothing in this paragraph excuses Tandem from responsibility for a provider acting on Tandem’s behalf where applicable law makes Tandem responsible.
Certificates, Accreditation, and Results
Tandem determines completion of Tandem requirements and may issue Tandem completion records. The International Coaching Federation and other third parties independently control their credentials, applications, audits, fees, standards, and recognition decisions. Unless Tandem expressly promises otherwise in an accepted Order Confirmation, purchasing or completing an offering does not guarantee a third-party credential, renewal, employment, promotion, clients, income, business performance, health outcome, or other result. The more specific accreditation and completion provisions in the Additional Terms control.
Disclaimers, Indemnification, and Limitation of Liability
Disclaimers
To the fullest extent permitted by applicable law, the website and any free informational materials are provided on an “as is” and “as available” basis. Tandem does not warrant that every feature will always be uninterrupted, error-free, or compatible with every device or third-party platform. Paid offerings remain subject to the express promises in the accepted agreement documents and to mandatory warranties and consumer guarantees.
Coaching, training, supervision, and educational content are not substitutes for medical, mental-health, legal, tax, financial, employment, or other regulated professional advice unless an accepted agreement expressly states otherwise. Users remain responsible for their professional judgments, credential applications, business decisions, and compliance obligations.
Indemnification
To the extent permitted by law, a User is responsible for third-party claims, losses, and reasonable costs caused by that User’s unlawful conduct, culpable breach of these Terms, infringement of another person’s rights, unauthorized submission or recording, or misuse of the Service. An organizational purchaser is likewise responsible for such conduct by people acting under its authority. This provision does not require a consumer to indemnify Tandem for Tandem’s own breach, negligence, unlawful conduct, or another liability that cannot lawfully be shifted.
Limitation of liability
Nothing in these Terms excludes or limits liability for fraud, willful misconduct, gross negligence, death or personal injury where liability cannot be limited, violation of a non-waivable consumer guarantee, or any other liability that applicable law does not permit Tandem to exclude or limit.
Subject to the preceding paragraph and to the fullest extent permitted by law, Tandem will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages; lost profits, revenue, opportunity, goodwill, or data; or losses caused by circumstances outside Tandem’s reasonable control. For a User that is not a natural person acting primarily for personal, family, or household purposes, Tandem’s aggregate liability arising from the affected agreement will not exceed the amount paid or payable to Tandem under that agreement during the 12 months before the event giving rise to the claim, or during the agreement’s shorter duration.
For consumers, limitations apply only to the extent they are lawful, fair, and enforceable. Remedies expressly provided in the Additional Terms and rights under mandatory law are not eliminated by this section.
Suspension, Termination, and Survival
A User may stop using the website at any time. Purchase withdrawal, subscription cancellation, refunds, future installments, account deletion, and retained access are governed separately by the applicable agreement documents and law. Stopping use or closing an account does not itself cancel a purchase, erase an amount already due, or require deletion of records Tandem may lawfully retain.
Tandem may suspend or terminate access for material breach, nonpayment, fraud, harassment, safety risk, credential misconduct, confidentiality or recording misuse, account sharing, bulk collection of content, use of more than one account to get around a limit or a ban, free-trial or refund abuse, security abuse, unlawful conduct, or another ground stated in the Additional Terms. For the grounds in Enforcement, Linked Accounts, and Refusal of Service, or when notice could allow further harm, Tandem may act without prior notice. In other cases, when appropriate and legally permitted, Tandem may provide notice and an opportunity to cure. The Additional Terms control any review rights following removal, and refunds follow the Additional Terms and the Enforcement section above.
Provisions that by their nature should survive—including payment obligations already accrued, intellectual-property protections, authorized records retention, confidentiality, disclaimers, liability limitations, dispute provisions, and remedies for earlier breach—remain effective after termination. A User-content license survives only for the permitted purposes and retention periods described in these Terms, the Additional Terms, the Privacy Policy, and applicable law; it is not an unrestricted perpetual promotional license.
Mandatory Consumer Rights and Distance-Contract Notices
Nothing in these Terms or the Additional Terms excludes, restricts, or replaces a cooling-off right, cancellation right, withdrawal right, warranty, consumer guarantee, refund, accessibility right, privacy right, or other remedy that applicable law does not permit Tandem to waive. If mandatory law grants greater protection, that protection controls.
European Union consumers
An eligible European Union consumer entering a distance contract generally has 14 days from conclusion of a service or digital-content contract to withdraw without giving a reason. To exercise the right, send an unequivocal notice to hello@tandemcoach.co before the period expires. If the consumer expressly requests that a service begin during the withdrawal period and later withdraws, the consumer may owe the proportionate value already supplied where applicable law permits. For digital content not supplied on a tangible medium, the withdrawal right may be lost only after performance begins with the consumer’s prior express consent and acknowledgment of that consequence. Tandem’s general Terms checkbox is not treated as that separate consent.
United Kingdom consumers
An eligible United Kingdom consumer entering a distance contract generally has 14 days from conclusion of a service or digital-content contract to cancel without giving a reason. Send an unequivocal notice to hello@tandemcoach.co before the period expires. Proportionate payment for services begun at the consumer’s express request and loss of the digital-content cancellation right require the conditions and separate consent or acknowledgment prescribed by applicable law.
Brazilian consumers
An eligible Brazilian consumer may exercise the statutory right of regret within seven days from signing the contract or receiving the product or service when applicable. Send an unequivocal notice to hello@tandemcoach.co. Tandem will provide the refund or other remedy required by applicable Brazilian law.
Other jurisdictions
Consumers in Australia, Canada, the United States, and other jurisdictions retain every statutory guarantee and remedy that cannot lawfully be excluded. Geographic headings do not imply that Tandem excludes rights elsewhere.
Model withdrawal or cancellation notice
A consumer may use the following text, but is not required to do so:
To Tandem Coaching Partners LLC, 104 E Ovilla Rd, Red Oak, TX 75154-1278, United States; hello@tandemcoach.co: I give notice that I withdraw from or cancel my contract for the following service or digital content: [identify purchase]. Ordered on: [date]. Purchaser name: [name]. Purchaser address: [address]. Signature (only if sent on paper): [signature]. Date: [date].
Where a valid statutory withdrawal or cancellation requires reimbursement, Tandem will reimburse amounts within the time and by the method required by applicable law. Tandem’s voluntary seven-day Self-Paced Digital Course guarantee is separate from—and does not shorten—any longer mandatory right.
General Provisions
Changes to these Terms
Tandem may update these Terms prospectively. The current version and effective date will be posted here, and Tandem will provide advance notice when required by law or the applicable agreement. A material change will not retroactively reduce an accepted purchase right. For an ongoing subscription, a material change applies no earlier than the next renewal unless the User expressly accepts it sooner or law permits or requires otherwise. Earlier versions applicable to an accepted purchase may be requested from Tandem.
Governing law and courts
These Terms are governed by the laws of the State of Texas, United States, without regard to conflict-of-laws principles. Subject to mandatory consumer jurisdiction rules, proceedings must be brought in a state or federal court having jurisdiction over Tandem’s principal place of business. Consumers retain any right under applicable law to bring a claim in another competent court and any higher mandatory protection of the country or state where they reside.
To the fullest extent permitted by United States law, each party waives trial by jury and agrees to bring claims individually rather than as a plaintiff or class member in a class, consolidated, or representative proceeding. This paragraph does not apply where such a waiver is prohibited or unenforceable.
Complaints and informal resolution
Before filing a claim, Users are encouraged to send a description of the issue, relevant order information, and requested resolution to hello@tandemcoach.co. This request does not suspend a legal limitation period or prevent use of a mandatory court, regulator, payment-network, accreditation, or consumer-remedy process. Tandem’s complaint and appeal targets are stated in the Additional Terms.
Assignment, waiver, and severability
Tandem may assign or subcontract an agreement in connection with a reorganization, financing, sale of assets, merger, service-provider change, or similar legitimate business purpose, while remaining subject to applicable law and the User’s legitimate interests. A User may not transfer an account, credential, or purchase right without Tandem’s written agreement, except where law provides otherwise.
A failure or delay in enforcing a provision is not a waiver. If a provision is invalid or unenforceable, it will be limited or reformed only to the minimum extent necessary, and the remaining provisions will continue. Nothing in these Terms creates employment, agency, partnership, franchise, fiduciary, or joint-venture status between the parties.
Entire agreement and contact
These Terms, the incorporated Additional Terms and Privacy Policy, and the accepted Order Confirmation or signed agreement constitute the agreement concerning the relevant Service. They replace earlier communications on the same subject except for a more favorable or non-waivable right preserved above. Notices to Tandem concerning purchases or these Terms should be sent to hello@tandemcoach.co.
Revision History
- Added one account per person and banned extra accounts used to get more free trials or to get around a ban; banned bulk downloading, copying, and screen recording of course content, automated access, free-trial and refund abuse, and collecting other members’ details; added Enforcement, Linked Accounts, and Refusal of Service, under which Tandem may act without notice, close linked accounts, refuse future service, and refuse refunds.
- Added a license for free materials, and Acceptable Use rules on suggesting Tandem’s endorsement and on changed materials.
- Linked the subscription terms to the free-trial provisions for Self-Paced Digital Courses in the Additional Terms.
- Added to Acceptable Use: putting Tandem materials into an artificial-intelligence tool or service that may use them to train models or make them available to others.
- Added the one-time card credential authorization covering zero-value verification, immediate unscheduled stored-credential payment, strict single-purchase limits, security-code non-retention, and token deletion.
- Replaced the legacy and externally generated Terms with a Tandem-controlled master agreement; expressly incorporated the Additional Terms; aligned accounts, installments, platform delivery, subscriptions, submissions, and organizational purchases; and preserved mandatory consumer rights.