This document constitutes the entire and binding contractual agreement between STEADY PATH LLC ("the Company") and any individual or entity ("the User") who accesses, purchases, or uses any product, service, or digital content offered under the ISMIRA brand. By completing a purchase or accessing the reserved member area, the User represents and warrants that they have read, understood, and irrevocably accepted all terms set forth herein.

Il presente documento costituisce l'intero accordo contrattuale vincolante tra STEADY PATH LLC ("la Società") e qualsiasi individuo o entità ("l'Utente") che accede, acquista o utilizza qualsiasi prodotto, servizio o contenuto digitale offerto sotto il brand ISMIRA. Completando un acquisto o accedendo all'area riservata, l'Utente dichiara di aver letto, compreso e irrevocabilmente accettato tutti i termini qui stabiliti.

1.1 The products and services covered by these Terms are sold exclusively by STEADY PATH LLC, a limited liability company organized under the laws of the State of Wyoming, USA, with registered address at 30 N Gould St, Ste 60629, Sheridan, WY 82801, USA, operating under the commercial brand ISMIRA through the Strategic Change Agency platform.

1.2 Contact: info@strategic-change.agency. All formal notices and legal communications must be submitted in writing to this address.

1.1 I prodotti e servizi sono venduti esclusivamente da STEADY PATH LLC, LLC costituita ai sensi delle leggi dello Stato del Wyoming, USA, con sede a 30 N Gould St, Ste 60629, Sheridan, WY 82801, USA, operante con il brand commerciale ISMIRA.

1.2 Contatti: info@strategic-change.agency. Tutte le comunicazioni formali e legali devono essere inviate per iscritto a tale indirizzo.

2.1 The Company, under the ISMIRA brand, provides digital educational products and services including: online video courses; downloadable PDF and multimedia materials; live and pre-recorded coaching and mentoring sessions; access to a private member platform; supplementary educational bonuses and resources.

2.2 Specific details of each package (Gold, Platinum, Diamond, or otherwise named), including the precise scope of services, session allocations, and included materials, are set out in the relevant product page and checkout screen at the time of purchase. The product page description and checkout summary form an integral part of these Terms.

2.1 La Società, sotto il brand ISMIRA, fornisce prodotti e servizi educativi digitali tra cui: corsi video online; materiali PDF e multimediali scaricabili; sessioni di coaching e mentoring; accesso a una piattaforma privata per membri; bonus e risorse educative supplementari.

2.2 I dettagli di ciascun pacchetto (Gold, Platinum, Diamond o altrimenti denominato), inclusi ambito dei servizi, quota sessioni e materiali inclusi, sono indicati nella pagina prodotto e nel riepilogo di checkout al momento dell'acquisto, che formano parte integrante dei presenti Termini.

3.1 Entity Status. The Company is a Wyoming LLC operating outside the European Union. Transactions with Italian or EU-based clients are cross-border transactions with a non-EU seller.

3.2 VAT / IVA. The Company does not collect, charge, or remit European Value Added Tax (VAT/IVA) on any transaction. Prices listed at checkout are the full amount due to the Company. The User is solely and exclusively responsible for determining, declaring, and paying any applicable taxes, duties, or obligations in their country of residence, including but not limited to Italian IVA, income tax, or other fiscal obligations. The Company provides no tax advice and assumes no liability for the User's personal tax compliance.

3.3 Pricing. All prices are stated in the currency indicated at checkout. The Company reserves the right to modify prices at any time; changes will not affect purchases already confirmed.

3.1 La Società è una LLC del Wyoming operante al di fuori dell'UE. Le transazioni con clienti italiani/UE sono operazioni extra-UE.

3.2 La Società non applica né versa IVA europea. L'Utente è il solo responsabile di determinare, dichiarare e pagare eventuali imposte (IVA, IRPEF, ecc.) nel proprio paese di residenza.

3.3 I prezzi sono indicati nella valuta specificata al checkout. Modifiche di prezzo non hanno effetto sugli acquisti già confermati.

4.1 Nature of Products. The products sold by the Company consist of digital content delivered by non-material means (streaming, download, online access). They do not consist of physical goods or tangible media.

4.2 Explicit Waiver of Right of Withdrawal. Pursuant to Article 16(m) of EU Directive 2011/83/EU on consumer rights, the User expressly and irrevocably acknowledges and agrees that:

• The performance of the contract begins immediately upon the User's first login to the member area or the first download or streaming of any content;
• The User explicitly waives any right of withdrawal, cancellation, or refund that may otherwise be available under applicable consumer protection law;
• Once access to the digital content has been granted (confirmed by login credentials being issued or by the first access event), no refund of any kind — partial or total — shall be owed or paid by the Company;
• This waiver applies to the entire package purchased, including all digital materials, video content, PDF resources, and any ancillary or bonus services.

4.1 I prodotti venduti dalla Società consistono in contenuti digitali forniti con mezzi non materiali (streaming, download, accesso online).

4.2 Rinuncia al Diritto di Recesso. Ai sensi dell'Art. 16, lett. m) della Direttiva UE 2011/83, l'Utente riconosce e accetta che l'esecuzione del contratto inizia con il primo accesso o download, e che da quel momento perde ogni diritto al rimborso, parziale o totale, sull'intero pacchetto acquistato.

5.1 Classification. Where the purchased package includes coaching or mentoring sessions, such sessions are expressly classified as Gratuitous Service Bonuses ("Bonus Accessori Gratuiti"). They constitute supplementary, accessory services provided at no additional charge to enrich the educational experience. As such, they are not part of the primary commercial consideration of the package and do not form part of the refundable base price under any circumstances.

5.2 Validity Period — Mandatory Forfeiture Clause. All coaching or mentoring session bonuses have a strict validity period of SIX (6) MONTHS from the date of purchase. This deadline is absolute and non-negotiable. Any session not booked AND conducted within this 6-month window is automatically and irrevocably forfeited upon expiration. The Company has no obligation to provide compensation, credit, replacement sessions, or refunds for forfeited sessions, regardless of the reason for non-use.

5.3 Monthly Usage Obligation. Where the package includes multiple sessions intended to be used over time, the User is obligated to schedule and use one (1) session per calendar month. Failure to schedule or use a session in any given month, for any reason attributable to the User, results in the permanent forfeiture of that month's session. Unused monthly sessions are not carried forward, accumulated, or substitutable.

5.4 Cancellation and Rescheduling. The User may reschedule a confirmed coaching session only if written notice is provided to the Company no less than FORTY-EIGHT (48) HOURS before the scheduled start time. Requests received less than 48 hours before the session, or failure to appear without prior notice ("no-show"), will result in the session being marked as completed and consumed. No replacement session will be offered and no refund or credit will be provided.

5.5 Booking Process. Sessions must be booked using the Company's designated scheduling system. Requests submitted outside the official booking channel are not guaranteed to be honored.

5.1 Le sessioni di coaching sono classificate come Bonus Accessori Gratuiti, non facenti parte del corrispettivo principale e non rimborsabili.

5.2 Le sessioni hanno validità massima di 6 mesi dalla data di acquisto. Le sessioni non prenotate e svolte entro tale termine decadono automaticamente e irrevocabilmente, senza diritto a compensazione.

5.3 L'Utente è obbligato a utilizzare 1 sessione per mese. Il mancato utilizzo mensile per causa imputabile all'Utente comporta la perdita permanente della sessione, senza possibilità di recupero.

5.4 La riprogrammazione è ammessa solo con preavviso scritto di almeno 48 ore. In caso di no-show o preavviso insufficiente, la sessione viene conteggiata come effettuata. Nessuna sostituzione né rimborso.

6.1 Where the Company offers an installment payment option, the User agrees to pay all installments according to the agreed schedule. The full contractual amount remains due regardless of continued use of the platform.

6.2 Payment Default and Suspension. If any scheduled installment payment is not received within FORTY-EIGHT (48) HOURS of its due date:

• The Company may immediately suspend access to all digital content, coaching sessions, and platform services without prior notice;
• Suspended access will be restored only upon full payment of the overdue installment, at the Company's discretion;
• All amounts already paid are retained by the Company as liquidated damages for breach of contract and shall not be refunded;
• The Company reserves the right to refer any unpaid balance to a debt collection agency or pursue legal action.

6.3 Suspension of access does not suspend the User's payment obligation. The User remains liable for the full purchase price even if access is suspended due to non-payment.

6.2 In caso di mancato pagamento di una rata entro 48 ore dalla scadenza, la Società può sospendere immediatamente l'accesso senza preavviso. Le somme già versate sono trattenute come penale per inadempimento e non sono rimborsabili. L'obbligo di pagamento dell'importo residuo rimane in capo all'Utente.

7.1 Ownership. All content on the ISMIRA platform — including video lessons, PDF materials, course structures, methodologies, templates, branding elements, and written content — is the exclusive intellectual property of STEADY PATH LLC or its licensors, protected by US and international copyright and trademark law.

7.2 Personal Non-Transferable License. Upon purchase, the User is granted a strictly personal, non-exclusive, non-transferable, non-sublicensable license for their own personal educational use only. This license expressly prohibits:

• Sharing login credentials with any third party;
• Creating duplicate or secondary accounts;
• Recording, reproducing, distributing, or publicly displaying any portion of the content;
• Uploading course content to third-party platforms, file-sharing services, or social media;
• Using the content for commercial purposes, training of others, or resale in any form.

7.3 Liquidated Damages for Infringement. Any violation of Article 7.2 shall result in a fixed contractual penalty of USD $5,000 (five thousand US Dollars) per individual violation, as a genuine pre-estimate of minimum damages, without prejudice to the Company's right to seek additional damages, injunctive relief, and legal costs. Access will be immediately and permanently terminated without refund.

7.2–7.3 L'Utente riceve una licenza strettamente personale e non cedibile. È vietata la condivisione di credenziali, la registrazione e distribuzione dei contenuti, l'uso commerciale o la vendita a terzi. Ogni violazione comporta una penale contrattuale fissa di USD $5.000 per singola violazione, oltre al termine immediato dell'accesso senza rimborso.

8.1 No Guarantee of Results. THE COMPANY MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE, EXPRESS OR IMPLIED, THAT THE USER WILL ACHIEVE ANY SPECIFIC FINANCIAL RESULTS, INCOME LEVEL, BUSINESS OUTCOMES, OR PROFESSIONAL SUCCESS AS A RESULT OF USING THE ISMIRA EDUCATIONAL CONTENT OR SERVICES.

8.2 Illustrative Nature of Examples. Any testimonials, case studies, income figures, or examples of results presented in the Company's marketing materials are provided for illustrative purposes only. They do not constitute a promise, projection, or guarantee of similar results. Individual results will vary significantly based on personal effort, skill, market conditions, local regulations, starting capital, and individual commitment.

8.3 No Professional Advice. All content is strictly educational. Nothing in the courses, sessions, or materials constitutes professional financial, legal, fiscal, accounting, real estate, or investment advice. Users should consult qualified professionals before making any financial or business decisions.

8.4 User's Operational Responsibility. The Company is not a party to and assumes no responsibility for any relationships between the User and: property owners or landlords; guests or tenants; short-term rental platforms (Airbnb, Booking.com, VRBO, etc.); local governmental authorities or tax agencies.

8.5 User's Legal Compliance. The User is solely responsible for ensuring compliance with all applicable laws, including: Italian short-term rental regulations (Tassa di Soggiorno / TAS); registration obligations to local police authorities (Questura / Polizia di Stato); SCIA and municipal authorizations; income tax obligations; GDPR; and any other applicable regulatory framework. The Company expressly disclaims any liability arising from the User's non-compliance.

8.6 Cap on Liability. To the maximum extent permitted by law, the Company's total aggregate liability shall not exceed the total amount paid by the User in the six (6) months preceding the claim.

8.1–8.5 La Società non garantisce alcun risultato economico. Gli esempi di successo nel marketing sono illustrativi e non costituiscono promessa di rendimento. I contenuti sono esclusivamente formativi e non costituiscono consulenza legale, fiscale o finanziaria. L'Utente è il solo responsabile del rispetto delle leggi locali (TAS, Questura, SCIA, GDPR, fiscalità). La Società non è responsabile dei rapporti tra l'Utente e terzi (proprietari, ospiti, piattaforme OTA).

9.1 The Company processes personal data in accordance with its Privacy Policy, available on the ISMIRA website. For Users in the European Union, data processing is conducted in compliance with applicable EU data protection legislation (GDPR). The Privacy Policy is incorporated by reference herein.

9.1 La Società tratta i dati personali in conformità alla propria Privacy Policy (disponibile sul sito ISMIRA) e, per gli Utenti UE, nel rispetto del GDPR. La Privacy Policy è incorporata per riferimento nei presenti Termini.

10.1 The Company reserves the right to modify these Terms at any time. Modifications will be effective upon publication on the Company's website. For existing clients, material changes will be communicated via email. Continued use of the platform following notification of changes constitutes acceptance of the updated Terms.

10.1 La Società si riserva il diritto di modificare i presenti Termini. Le modifiche sono efficaci alla pubblicazione sul sito. Per i clienti esistenti, le modifiche sostanziali saranno comunicate via email. L'utilizzo continuato della piattaforma costituisce accettazione dei Termini aggiornati.

11.1 Governing Law. These Terms and any dispute arising out of or in connection with them shall be governed by and construed exclusively in accordance with the laws of the State of Wyoming, United States of America, without regard to conflict of law principles.

11.2 Exclusive Jurisdiction. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts of Sheridan County, Wyoming, USA. The User irrevocably submits to the personal jurisdiction of such courts and waives any objection to venue or jurisdiction.

11.3 Controlling Language. The original and legally controlling version of this contract is the English language version. Any Italian translation is for convenience only and has no legal effect. In the event of any conflict or ambiguity, the English version prevails in all respects.

11.4 Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.

11.5 Entire Agreement. These Terms, together with the product page description and checkout summary at the time of purchase, constitute the entire agreement between the parties and supersede all prior negotiations or agreements.

11.1–11.5 Il presente contratto è disciplinato esclusivamente dalle leggi dello Stato del Wyoming, USA. Il foro esclusivo è quello di Sheridan County, Wyoming. La versione linguistica prevalente è quella inglese. Qualsiasi traduzione italiana è priva di valore legale.