Terms of Use

Website Terms of Use

Version 1.1

Last revised on September 18, 2026

The website located at WeTeachSuccess.org (the “Site”) is a copyrighted work belonging to The Community Economic Development Fund Foundation, Inc. (“Company”, “us”, “our”, and “we”). “Company Parties” means the Company together with The Community Economic Development Fund Corporation, The Community Economic Development Fund I, LLC, and The Community Economic Development Fund Pool 2, LLC, and each of their respective directors, officers, employees, agents, contractors, licensors, and service providers. Every disclaimer, limitation of liability, release, indemnity, and dispute resolution provision in these Terms runs to the benefit of all Company Parties. Certain features of the Site may be subject to additional guidelines, terms, or rules, which will be posted on the Site in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into these Terms.

These Terms of Use (these “Terms”) set forth the legally binding terms and conditions that govern your use of the Site. By accessing or using the Site, you are accepting these Terms (on behalf of yourself or the entity that you represent), and you represent and warrant that you have the right, authority, and capacity to enter into these Terms (on behalf of yourself or the entity that you represent). you may not access or use the Site or accept the Terms if you are not at least 18 years old. If you do not agree with all of the provisions of these Terms, do not access and/or use the Site.

These terms require the use of written notice and mediation, and then arbitration (Section 10.2) on an individual basis to resolve disputes, rather than jury trials or class actions, and also limit the remedies available to you in the event of a dispute. They also contain a prevailing party attorneys’ fee provision and give you thirty (30) days to opt out of arbitration.

Educational Purpose Only; No Advice; No Lending Commitment

The Site provides educational and informational content for small business owners and prospective business owners. Nothing on the Site is legal, tax, accounting, financial, investment, or business advice, and nothing on the Site creates a professional or advisory relationship between you and any Company Party. Course materials, templates, worksheets, examples, and instructor commentary are general in nature, are not tailored to your circumstances, and should not be relied on as a substitute for advice from your own qualified advisors.

Nothing on the Site is an offer, commitment, or promise to lend, to extend credit, to provide technical assistance, or to enter into any transaction with you, and completing any course or program on the Site does not qualify you for, or improve your standing in connection with, any loan or program. Any credit decision is subject to a complete application, underwriting, program availability, funding availability, and a written agreement signed by an authorized officer.

We make no representation or warranty about the results you may achieve from any course, program, or material on the Site. Outcomes described by instructors or other participants are individual experiences and are not a prediction of your results.

Accounts

Account Creation. In order to use certain features of the Site, you must register for an account (“Account”) and provide certain information about yourself as prompted by the account registration form. You represent and warrant that: (a) all required registration information you submit is truthful and accurate; (b) you will maintain the accuracy of such information. You may delete your Account at any time, for any reason, by following the instructions on the Site. Company may suspend or terminate your Account in accordance with Section 8 (Term and Termination).

Account Responsibilities. You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify Company of any unauthorized use, or suspected unauthorized use of your Account or any other breach of security. Company cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.

Access to the Site

Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site solely for your own personal, noncommercial use.

Certain Restrictions. The rights granted to you in these Terms are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site, whether in whole or in part, or any content displayed on the Site; (b) you shall not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Site; (c) you shall not access the Site in order to build a similar or competitive website, product, or service; and (d) except as expressly stated herein, no part of the Site may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means. Unless otherwise indicated, any future release, update, or other addition to functionality of the Site shall be subject to these Terms. All copyright and other proprietary notices on the Site (or on any content displayed on the Site) must be retained on all copies thereof.

Company reserves the right, at any time, to modify, suspend, or discontinue the Site (in whole or in part) with or without notice to you. You agree that Company will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Site or any part thereof.

No Support or Maintenance. You acknowledge and agree that Company will have no obligation to provide you with any support or maintenance in connection with the Site.

Excluding any User Content that you may provide (defined below), you acknowledge that all the intellectual property rights, including copyrights, patents, trade marks, and trade secrets, in the Site and its content are owned by Company or Company’s suppliers. Neither these Terms (nor your access to the Site) transfers to you or any third party any rights, title or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms. There are no implied licenses granted under these Terms.

Users outside Connecticut and the United States. The Site is operated from Connecticut and is directed to users in the United States. We make no representation that the Site or its content is appropriate or available in other places. If you access the Site from outside the United States, you do so on your own initiative, you are responsible for complying with the laws that apply where you are, and you consent to the transfer and processing of your information in the United States as described in the privacy policy. Nothing in these Terms limits any right you have under the consumer protection laws of your state or country that cannot be waived by agreement.

User Content

User Content. “User Content” means any and all information and content that a user submits to, or uses with, the Site (e.g., content in the user’s profile or postings). You are solely responsible for your User Content. You assume all risks associated with use of your User Content, including any reliance on its accuracy, completeness or usefulness by others, or any disclosure of your User Content that personally identifies you or any third party. You hereby represent and warrant that your User Content does not violate our Acceptable Use Policy (defined in Section 3). You may not represent or imply to others that your User Content is in any way provided, sponsored or endorsed by Company. Because you alone are responsible for your User Content, you may expose yourself to liability if, for example, your User Content violates the Acceptable Use Policy. Company is not obligated to backup any User Content, and your User Content may be deleted at any time without prior notice. You are solely responsible for creating and maintaining your own backup copies of your User Content if you desire.

You hereby grant (and you represent and warrant that you have the right to grant) to Company an irrevocable, nonexclusive, royalty-free and fully paid, worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content, and to grant sublicenses of the foregoing rights, solely for the purposes of including your User Content in the Site. You hereby irrevocably waive (and agree to cause to be waived) any claims and assertions of moral rights or attribution with respect to your User Content.

Acceptable Use Policy. The following terms constitute our “Acceptable Use Policy”:

You agree not to use the Site to collect, upload, transmit, display, or distribute any User Content (i) that violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (ii) that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another’s privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual or is otherwise objectionable; (iii) that is harmful to minors in any way; or (iv) that is in violation of any law, regulation, or obligations or restrictions imposed by any third party.

In addition, you agree not to: (i) upload, transmit, or distribute to or through the Site any computer viruses, worms, or any software intended to damage or alter a computer system or data; (ii) send through the Site unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise; (iii) use the Site to harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses, without their consent; (iv) interfere with, disrupt, or create an undue burden on servers or networks connected to the Site, or violate the regulations, policies or procedures of such networks; (v) attempt to gain unauthorized access to the Site (or to other computer systems or networks connected to or used together with the Site), whether through password mining or any other means; (vi) harass or interfere with any other user’s use and enjoyment of the Site; or (vi) use software or automated agents or scripts to produce multiple accounts on the Site, or to generate automated searches, requests, or queries to (or to strip, scrape, or mine data from) the Site (provided, however, that we conditionally grant to the operators of public search engines revocable permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials, subject to the parameters set forth in our robots.txt file).

In addition, you agree not to: (i) use any content from the Site, including course materials, videos, audio, assessments, and interactive content, to train, fine-tune, ground, or otherwise develop any machine learning model, large language model, or other artificial intelligence system, or to build any dataset for that purpose, without our prior written consent, and we expressly reserve all rights in the Site’s content for text and data mining and machine learning purposes, which reservation is a machine-readable opt-out for the purposes of any applicable law; (ii) access or use the Site other than in good faith and for its intended educational purposes, including by accessing it through automated means, scripted sessions, emulators, or artificial or manufactured interactions created for the purpose of generating, manufacturing, or supporting a claim or demand rather than for a bona fide interest in the Site’s content; or (iii) sell, assign, or transfer to any third party any claim arising out of or relating to your use of the Site, or authorize any third party to assert such a claim on your behalf other than in an individual capacity in accordance with the Dispute Resolution section. Any purported assignment in violation of this provision is void.

We reserve the right (but have no obligation) to review any User Content, and to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of these Terms or otherwise create liability for us or any other person. Such action may include removing or modifying your User Content, terminating your Account in accordance with Section 8, and/or reporting you to law enforcement authorities.

If you provide Company with any feedback or suggestions regarding the Site (“Feedback”), you hereby assign to Company all rights in such Feedback and agree that Company shall have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate. Company will treat any Feedback you provide to Company as non-confidential and non-proprietary. You agree that you will not submit to Company any information or ideas that you consider to be confidential or proprietary.

You agree to indemnify and hold Company (and its officers, employees, and agents) harmless, including costs and attorneys’ fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Site, (b) your violation of these Terms, (c) your violation of applicable laws or regulations or (d) your User Content. Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Company. Company will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.

Third-Party Links & Ads; Other Users

Third-Party Links & Ads. The Site may contain links to third-party websites and services, and/or display advertisements for third parties (collectively, “Third-Party Links & Ads”). Such Third-Party Links & Ads are not under the control of Company, and Company is not responsible for any Third-Party Links & Ads. Company provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads. You use all Third-Party Links & Ads at your own risk, and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Links & Ads.

Embedded and Hosted Features. The Site makes available features that are operated or hosted by third parties, including embedded video and audio players, the course and learning management platform, interactive course content, online forms, and chat functionality. These features may load content from, and transmit information to, the third party that operates them, including your IP address and information about your interaction with the feature, whether or not you click on anything. The third party’s own terms and privacy policy govern the information it receives. A current list of these features is maintained by the Company and is available on request.

Chat and Recording Consent. If a chat feature is available on the Site, your conversation may be recorded, transcribed, stored, and reviewed by us and by the third-party provider that operates the feature, for service quality, training, recordkeeping, and security purposes. Notice of that recording appears in the chat window before the conversation begins, and by continuing the conversation you consent to it. Please do not enter account numbers, Social Security numbers, or other sensitive personal information into a chat window. The chat feature is operated by an automated assistant rather than a person. Its responses are generated automatically, are general information only, are not legal, financial, tax, or lending advice, and may be inaccurate or incomplete. No commitment, approval, or decision of any kind is made through the chat feature. A notice that you are communicating with an automated assistant appears in the chat window before the conversation begins. The provider that operates the chat feature states that it does not use conversations to train its own artificial-intelligence systems. That provider relies on outside artificial-intelligence services to deliver the feature, and it does not represent that those outside services refrain from using the information they receive to train their own models. Please do not enter anything in the chat that you would not want handled on those terms.

Your Express Consent to Recording, Monitoring, and Analytics. By using the Site, you knowingly and expressly consent, in advance and as a condition of use, to the recording, transcription, storage, monitoring, and analysis of your communications and interactions with the Site, and to the collection, transmission, and processing of information about those interactions, by the Company Parties and by the service providers that operate the Site’s features on our behalf. This consent covers chat conversations, course activity and responses, form entries, embedded video and audio playback, page interactions, and information collected through cookies, pixels, tags, and similar technologies, in each case as described in our Privacy Policy and, where applicable, subject to your choices in the consent banner.

You agree that each service provider that records, receives, or processes such communications does so as our agent and at our direction, for the sole purpose of providing services to us, and that it is a party to the communication for that purpose and not an independent eavesdropper or interceptor. This provision is intended to satisfy any consent requirement under applicable federal and state electronic communications, wiretapping, eavesdropping, and privacy laws, in every state whose law may apply, including states requiring the consent of all parties to a communication. You may withdraw this consent at any time by discontinuing use of the Site and, where applicable, through the consent banner, and your withdrawal operates prospectively only. Nothing here is a consent to any use of information that applicable law prohibits regardless of consent. Where the Privacy Policy states that a named measurement or advertising platform also uses information for its own purposes, your consent under this Section extends to that use as described there.

Other Users. Each Site user is solely responsible for any and all of its own User Content. Because we do not control User Content, you acknowledge and agree that we are not responsible for any User Content, whether provided by you or by others. We make no guarantees regarding the accuracy, currency, suitability, or quality of any User Content. Your interactions with other Site users are solely between you and such users. You agree that Company will not be responsible for any loss or damage incurred as the result of any such interactions. If there is a dispute between you and any Site user, we are under no obligation to become involved.

You hereby release and forever discharge the Company (and our officers, employees, agents, successors, and assigns) from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature (including personal injuries, death, and property damage), that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Site (including any interactions with, or act or omission of, other Site users or any Third-Party Links & Ads). IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.”

Disclaimers

THE SITE IS PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS, AND COMPANY (AND OUR SUPPLIERS) EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. WE (AND OUR SUPPLIERS) MAKE NO WARRANTY THAT THE SITE WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SITE, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE OF FIRST USE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

Limitation on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY (OR OUR SUPPLIERS) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SITE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, THE SITE IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA RESULTING THEREFROM.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THIS AGREEMENT (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO THE GREATER OF ONE HUNDRED US DOLLARS (U.S. $100) OR THE TOTAL AMOUNTS YOU PAID TO COMPANY FOR ACCESS TO THE SITE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT. YOU AGREE THAT OUR SUPPLIERS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THIS AGREEMENT.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. The limitations in this Section are an essential basis of the bargain between you and Company and apply even if a limited remedy fails of its essential purpose. They apply to your use of the Site and do not limit the rights or obligations of any party under a signed loan agreement, note, guaranty, or other written contract with a Company Party.

To the fullest extent permitted by law, the limitations in this Section apply to all categories of damages, including statutory, minimum, and liquidated damages, and apply regardless of the number of claims or the number of alleged violations.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability for fraud, fraudulent misrepresentation, willful misconduct, gross negligence, or personal injury or death caused by negligence, and nothing in these Terms is intended to exempt any Company Party from responsibility for a violation of law. If any provision of these Terms would be unenforceable because it purports to do so, that provision applies only to the extent the law permits and the remainder of these Terms continues in full force.

No reliance. You acknowledge that you have not relied on any statement, promise, representation, assurance, or warranty about the Site or its courses that is not expressly set out in these Terms. This does not limit any liability for fraud or fraudulent misrepresentation.

Force majeure. No Company Party is liable for any failure or delay caused by an event beyond its reasonable control, including acts of God, severe weather, fire, flood, epidemic, labor disruption, war, civil unrest, terrorism, government action, utility or telecommunications failure, internet or hosting outage, denial of service attack, or the failure or unavailability of a third-party service on which the Site depends.

Term and Termination. Subject to this Section, these Terms will remain in full force and effect while you use the Site. We may suspend or terminate your rights to use the Site (including your Account) at any time for any reason at our sole discretion, including for any use of the Site in violation of these Terms. Upon termination of your rights under these Terms, your Account and right to access and use the Site will terminate immediately. You understand that any termination of your Account may involve deletion of your User Content associated with your Account from our live databases. Company will not have any liability whatsoever to you for any termination of your rights under these Terms, including for termination of your Account or deletion of your User Content. Even after your rights under these Terms are terminated, the following provisions of these Terms will remain in effect: Sections 2 through 2.5, Section 3 and Sections 4 through 10.

Copyright Policy.

Company respects the intellectual property of others and asks that users of our Site do the same. In connection with our Site, we have adopted and implemented a policy respecting copyright law that provides for the removal of any infringing materials and for the termination, in appropriate circumstances, of users of our online Site who are repeat infringers of intellectual property rights, including copyrights. If you believe that one of our users is, through the use of our Site, unlawfully infringing the copyright(s) in a work, and wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to 17 U.S.C. § 512(c)) must be provided to our designated Copyright Agent:

  • your physical or electronic signature;
  • identification of the copyrighted work(s) that you claim to have been infringed;
  • identification of the material on our services that you claim is infringing and that you request us to remove;
  • sufficient information to permit us to locate such material;
  • your address, telephone number, and e-mail address;
  • a statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law; and
  • a statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner of the copyright that has allegedly been infringed or that you are authorized to act on behalf of the copyright owner.

Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact (falsities) in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney’s fees incurred by us in connection with the written notification and allegation of copyright infringement.

The designated Copyright Agent for Company is:

Chief Financial Officer, The Community Economic Development Fund Foundation, Inc.

Address of Agent: 965 E. Main St., Meriden, CT 06450

Telephone: 203-235-2333

Email: kmaciorowski@cedf.com

General

These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on our Site. You are responsible for providing us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to these Terms will be effective upon the earlier of thirty (30) calendar days following our dispatch of an e-mail notice to you (if applicable) or thirty (30) calendar days following our posting of notice of the changes on our Site. These changes will be effective immediately for new users of our Site. Continued use of our Site following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

Dispute Resolution. Please read this Arbitration Agreement carefully. It is part of your contract with Company and affects your rights. It contains procedures for WRITTEN NOTICE, MANDATORY MEDIATION, MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER. IT ALSO CONTAINS A PREVAILING PARTY ATTORNEYS’ FEE PROVISION AND A THIRTY (30) DAY RIGHT TO OPT OUT OF ARBITRATION.

Applicability of Arbitration Agreement. All claims and disputes (excluding claims for injunctive or other equitable relief as set forth below) in connection with the Terms or the use of any product or service provided by the Company that cannot be resolved informally or in small claims court shall be resolved by binding arbitration on an individual basis under the terms of this Arbitration Agreement. Unless otherwise agreed to, all arbitration proceedings shall be held in English. This Arbitration Agreement applies to you and the Company, and to any subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services or goods provided under the Terms.

Notice Requirement and Informal Dispute Resolution. Before either party may seek arbitration, the party must first send to the other party a written Notice of Dispute (“Notice”) describing the nature and basis of the claim or dispute, and the requested relief. A Notice to the Company should be sent to: The Community Economic Development Fund Foundation, Inc., Attention: Legal Notices, 965 E. Main St., Meriden, Connecticut 06450. After the Notice is received, you and the Company may attempt to resolve the claim or dispute informally. If you and the Company do not resolve the claim or dispute within thirty (30) days after the Notice is received, either party may begin the mediation described in the next paragraph. The amount of any settlement offer made by any party may not be disclosed to the arbitrator until after the arbitrator has determined the amount of the award, if any, to which either party is entitled. All applicable statutes of limitation and contractual limitations periods are tolled from the date the Notice is received until the requirements of this paragraph and the mediation paragraph below are satisfied or lapse.

Mandatory Non-Binding Mediation. If the dispute is not resolved within the 30-day period, the parties must submit it to non-binding mediation before a single neutral mediator before either party may commence arbitration or file suit. Mediation is a condition precedent to arbitration and to any court proceeding other than one permitted by the Small Claims Court or Emergency Equitable Relief paragraphs below. The mediation will be conducted remotely by videoconference unless both parties agree in writing to meet in person, and any in-person session will be held in New Haven County, Connecticut. The Company will pay the mediator’s fees. If the mediation has not been completed within sixty (60) days after the end of the 30-day informal period, through no fault of the party seeking to proceed, this requirement lapses and either party may commence arbitration.

Arbitration Rules. Arbitration shall be initiated through the American Arbitration Association (“AAA”), an established alternative dispute resolution provider (“ADR Provider”) that offers arbitration as set forth in this section. If AAA is not available to arbitrate, the parties shall agree to select an alternative ADR Provider. If the parties cannot agree, a court of competent jurisdiction located in New Haven County, Connecticut may appoint one. The rules of the ADR Provider shall govern all aspects of the arbitration, including but not limited to the method of initiating and/or demanding arbitration, except to the extent such rules are in conflict with the Terms. The AAA Consumer Arbitration Rules (“Arbitration Rules”) governing the arbitration are available online at adr.org or by calling the AAA at 1-800-778-7879. The arbitration shall be conducted by a single, neutral arbitrator. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement, and the arbitrator shall apply the substantive law of the State of Connecticut. Any claims or disputes where the total amount of the award sought is less than Ten Thousand U.S. Dollars (US $10,000.00) may be resolved through binding non-appearance-based arbitration, at the option of the party seeking relief. For claims or disputes where the total amount of the award sought is Ten Thousand U.S. Dollars (US $10,000.00) or more, the right to a hearing will be determined by the Arbitration Rules. The arbitration will be conducted remotely, on written submissions or by videoconference, unless the arbitrator determines that an in-person hearing is necessary. The seat of the arbitration, and any in-person hearing, will be in New Haven County, Connecticut, and the arbitrator shall give the parties reasonable notice of the date, time and manner of any hearing. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. The Company will pay any ADR Provider and arbitrator fees that exceed what it would cost you to file the same claim in a Connecticut state court of competent jurisdiction. If, despite that, the costs of arbitration would still exceed the cost of filing that claim in court, you may elect instead to bring your claim in the Connecticut Small Claims Court or, if the claim exceeds that court’s jurisdictional limit, in a Connecticut state court located in New Haven County or in the United States District Court for the District of Connecticut. Attorneys’ fees and costs are governed by the Prevailing Party Attorneys’ Fees paragraph below.

Who Decides Questions About This Agreement. The arbitrator, and not any court, has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, scope, or formation of this Arbitration Agreement, including any claim that all or part of it is void or voidable, except that a court, and not the arbitrator, decides any dispute about the enforceability, scope, or application of the class and consolidated action waiver below. If a court finds this paragraph unenforceable as to a particular claim, the remainder of this Arbitration Agreement continues to apply to that claim.

Service Providers. This Arbitration Agreement applies to claims against any Company Party, including claims against a service provider that operates a feature of the Site on our behalf and that arise out of or relate to that feature. Each such service provider is an intended third-party beneficiary of this Arbitration Agreement and of the Disclaimers, the Limitation on Liability, and the release above, and may enforce them directly.

Prevailing Party Attorneys’ Fees. In any mediation, arbitration, or court proceeding arising out of or relating to these Terms or the Site, the prevailing party is entitled to recover its reasonable attorneys’ fees, expert fees, and costs, including those incurred in enforcing or collecting a judgment or award. This provision is mutual and applies equally to you and to the Company Parties. It does not apply in the Connecticut Small Claims Court, where each party bears its own fees and costs. Nothing in this paragraph limits, waives, or reduces any statutory right to recover attorneys’ fees or costs that you may have under applicable law, including the Connecticut Unfair Trade Practices Act, and nothing in it makes you liable for fees where applicable law prohibits shifting them. To the extent Conn. Gen. Stat. § 42-150bb applies, the parties intend that this provision be construed and enforced reciprocally. Where this paragraph conflicts with any other fee provision in these Terms, this paragraph controls.

Additional Rules for Non-Appearance Based Arbitration. If non-appearance based arbitration is elected, the arbitration shall be conducted by telephone, online and/or based solely on written submissions; the specific manner shall be chosen by the party initiating the arbitration. The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise agreed by the parties.

Time Limits. If you or the Company pursue arbitration, the arbitration action must be initiated and/or demanded within the statute of limitations (i.e., the legal deadline for filing a claim) and within any deadline imposed under the AAA Rules for the pertinent claim.

Authority of Arbitrator. If arbitration is initiated, the arbitrator will decide the rights and liabilities, if any, of you and the Company, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages, and to grant any non-monetary remedy or relief available to an individual under applicable law, the AAA Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and the Company.

Waiver of Jury Trial. THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration under this Arbitration Agreement. Arbitration procedures are typically more limited, more efficient and less costly than rules applicable in a court and are subject to very limited review by a court. In the event any litigation should arise between you and the Company in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, YOU AND THE COMPANY WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that the dispute be resolved by a judge.

Waiver of Class or Consolidated Actions. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS, AND CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. If a court or arbitrator determines that this waiver is unenforceable as to a particular claim or request for relief, then that claim or request for relief, and only that claim or request for relief, will be severed from the arbitration and brought in a Connecticut state court located in New Haven County or in the United States District Court for the District of Connecticut, and all other claims will proceed in arbitration. Under no circumstances will any class, collective, consolidated, or representative proceeding be arbitrated.

Mass and Coordinated Filings. If twenty-five (25) or more demands for arbitration raising substantially similar claims are filed against a Company Party by or with the assistance of the same law firm or coordinated group of firms, the demands will be administered in batches of no more than fifty (50), with a single arbitrator and a single set of ADR Provider fees per batch. The parties will cooperate with the ADR Provider to sequence the batches. All applicable limitations periods are tolled for demands awaiting assignment to a batch. This paragraph applies equally to demands filed by a Company Party.

Your Right to Opt Out. You may opt out of the arbitration, class action waiver, and mass filing provisions of this Arbitration Agreement by sending written notice within thirty (30) days after you first accept these Terms to: The Community Economic Development Fund Foundation, Inc., Attention: Arbitration Opt-Out, 965 E. Main St., Meriden, Connecticut 06450. The notice must include your name, mailing address, and a clear statement that you are opting out of arbitration. Opting out has no effect on your relationship with the Company and does not affect the Notice Requirement, the mediation requirement, or the confidentiality, governing law, and venue provisions of these Terms. If you opt out, disputes will be resolved in the courts identified in the Governing Law and Venue paragraph below.

Confidentiality. All aspects of the arbitration proceeding, including but not limited to the award of the arbitrator and compliance therewith, shall be strictly confidential. The parties agree to maintain confidentiality unless otherwise required by law. This paragraph shall not prevent a party from submitting to a court of law any information necessary to enforce this Agreement, to enforce an arbitration award, or to seek injunctive or equitable relief.

Severability. If any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable by a court of competent jurisdiction, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Agreement shall continue in full force and effect.

Right to Waive. Any or all of the rights and limitations set forth in this Arbitration Agreement may be waived by the party against whom the claim is asserted. Such waiver shall not waive or affect any other portion of this Arbitration Agreement.

Survival of Agreement. This Arbitration Agreement will survive the termination of your relationship with Company.

Small Claims Court. Notwithstanding the foregoing, either you or the Company may bring an individual action in small claims court.

Emergency Equitable Relief. Notwithstanding the foregoing, either party may seek emergency equitable relief before a state or federal court in order to maintain the status quo pending arbitration. A request for interim measures shall not be deemed a waiver of any other rights or obligations under this Arbitration Agreement.

Claims Not Subject to Arbitration. Notwithstanding the foregoing, claims of defamation, violation of the Computer Fraud and Abuse Act, and infringement or misappropriation of the other party’s patent, copyright, trademark or trade secrets shall not be subject to this Arbitration Agreement.

Governing Law and Venue. These Terms, and any dispute arising out of or relating to them or to the Site, are governed by the laws of the State of Connecticut, without regard to its conflict of laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of the Arbitration Agreement. In any circumstances where the foregoing Arbitration Agreement permits the parties to litigate in court, the parties agree to submit to the exclusive jurisdiction and venue of the Connecticut state courts located within New Haven County and the United States District Court for the District of Connecticut, and each party waives any objection to that venue and any defense of inconvenient forum.

The Site may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from Company, or any products utilizing such data, in violation of the United States export laws or regulations.

Company is located at the address in Section 10.8. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.

Electronic Communications. The communications between you and Company use electronic means, whether you use the Site or send us emails, or whether Company posts notices on the Site or communicates with you via email. For contractual purposes, you (a) consent to receive communications from Company in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy writing. The foregoing does not affect your non-waivable rights. To receive and retain electronic communications you need a device with internet access, a current web browser, an active email account, and the ability to view and save PDF files. You may withdraw this consent, or request a paper copy of any communication at no charge, by writing to us at the address below; withdrawal applies prospectively only and may mean you can no longer use features of the Site that operate electronically. You agree that your electronic acceptance of these Terms, including by selecting a button or checkbox presented with a link to these Terms, is your signature, has the same legal effect as a handwritten signature, and may be proved by our records of that acceptance, including the identifier, date, time, and version accepted.

Entire Terms. These Terms constitute the entire agreement between you and us regarding the use of the Site. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. The section titles in these Terms are for convenience only and have no legal or contractual effect. The word “including” means “including without limitation”. If any provision of these Terms is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. Your relationship to Company is that of an independent contractor, and neither party is an agent or partner of the other. These Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Company’s prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void. Company may freely assign these Terms. The terms and conditions set forth in these Terms shall be binding upon assignees.

Copyright/Trademark Information. Copyright © 2020-2026 The Community Economic Development Fund Foundation, Inc. All rights reserved. All trademarks, logos and service marks (“Marks”) displayed on the Site are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks.

Our marks. We Teach Success™ and the We Teach Success graduation cap design are common law trademarks of The Community Economic Development Fund Foundation, Inc. CEDF® is a registered trademark of the Foundation, United States Registration No. 8,046,936. Nothing on the Site grants you any license or right to use these marks, and you may not use them, or any confusingly similar mark, without our prior written consent. All other trademarks appearing on the Site are the property of their respective owners.

Contact Information:

Karen Maciorowski

Address:

965 E. Main St.

Meriden, Connecticut 06450

Telephone: 203-235-2333

Email: kmaciorowski@cedf.com