GENERAL TERMS AND CONDITIONS

1. INTRODUCTION

PTBA is a trademark of PT Business Academy LLC, a company incorporated in the United States (hereinafter: “PTBA”, “we”, “us” or “our”). PTBA provides educational, training, coaching, and mentorship services in the fields of fitness, health, lifestyle optimization, and business development.

These General Terms and Conditions (“Terms”) govern the contractual relationship between PTBA and any individual or legal entity enrolling in, purchasing, or participating in PTBA programs, courses, trainings, online platforms, or services (hereinafter: “Participant”, “Client”, or “you”).

By submitting an application, completing a purchase, making a payment, or accessing PTBA content, you confirm that you have read, understood, and agreed to these Terms in full.

An integral part of these Terms are:

• the current Price List published on the relevant PTBA website;
• program descriptions and schedules published online;
• Fitness Rules of the gym or facility where in-person training is conducted, if applicable.

2. TYPES OF SERVICES OFFERED BY PTBA

PTBA offers different types of services, including but not limited to:

• professional education and certification courses;
• seminars, workshops, and continuing education programs;
• online courses and digital learning materials;
• coaching and lifestyle programs;
• business mentorship programs for fitness professionals and mainstream business profesionals.

Each service is governed by these Terms unless explicitly regulated by a separate written contract.

3. CONTRACT CONCLUSION AND DURATION

As a general rule, the Participant will be provided with a written contract for signature prior to or upon commencement of the selected course, program, or service. Such written contract shall incorporate these General Terms and Conditions by reference and may contain additional or more specific arrangements applicable to the selected service.

Where a written contract is duly signed by both parties, the provisions of that contract shall prevail in the event of any inconsistency with these General Terms and Conditions.

If, for any reason, a written contract is not signed by the Participant, a legally binding contract shall nevertheless be deemed concluded upon:

• submission of an application or acceptance of an offer, and
• receipt of any payment by PTBA.

In such cases, these General Terms and Conditions shall apply in full and govern the contractual relationship between PTBA and the Participant.

Unless otherwise expressly agreed in writing, the contract is concluded for a fixed term, corresponding to the duration of the selected course, program, or service, as communicated to the Participant or published on the relevant PTBA website.

For:

• live multi-month programs, the contractual relationship remains in force until completion of the scheduled program;
• short-term courses (one or several days), the contractual relationship expires upon completion of the course;
• pre-recorded or digital programs, the contractual relationship remains in force for the access period specified at the time of purchase.

4. PRICE, PAYMENT, AND NON-REFUNDABILITY

Prices for PTBA services may be published on PTBA websites or, in certain cases, individually agreed upon with the Participant during a sales call, consultation, or other written or verbal communication. In such cases, the agreed price will be clearly communicated to the Participant prior to payment.

Submission of payment constitutes full acceptance of the communicated price, the selected service or program, and these General Terms and Conditions.

All prices are stated in USD unless expressly agreed otherwise.

All services must be paid in advance, unless PTBA explicitly approves installment payments in writing. Where installment payments are approved, all installments must be paid in full in accordance with the agreed schedule.

Failure to make timely payments may result in:

• suspension or termination of access to training, platforms, or materials;
• exclusion from exams, live sessions, or events.

All payments are final and non-refundable, except where mandatory consumer protection laws of the United States explicitly require otherwise.

Participants expressly waive the right to:

• request refunds due to dissatisfaction, illness, scheduling conflicts, personal circumstances, or lack of results;
• initiate chargebacks or payment disputes with banks, card issuers, or payment providers.

5. TRAINING, HEALTH, AND ASSUMPTION OF RISK

Some PTBA services include physical activity, exercise guidance, or fitness-related content.

Participation is voluntary and at the Participant’s own risk. You confirm that:

• you are physically and mentally capable of participating;
• you have consulted a qualified healthcare professional where appropriate;
• you will inform PTBA of any relevant health conditions prior to participation.

PTBA does not provide medical advice, diagnosis, or treatment. No content provided by PTBA replaces professional medical advice.

To the maximum extent permitted by US law, PTBA disclaims all liability for injuries, health complications, or damages arising from participation.

6. RIGHTS AND OBLIGATIONS OF PARTICIPANTS

Participants must:

• behave respectfully toward instructors, staff, and other participants;
• follow instructions, safety rules, and applicable gym or facility rules;
• attend sessions on time (no extensions are granted due to lateness).

PTBA reserves the right to restrict or terminate participation without refund in cases of:

• disruptive or inappropriate behavior;
• violation of these Terms;
• non-payment or abuse of PTBA systems or staff.

7. INTELLECTUAL PROPERTY

All materials provided by PTBA, including videos, recordings, manuals, presentations, exercises, frameworks, and methods, are protected by intellectual property laws.

Participants may not:

• record, reproduce, distribute, sell, or share PTBA materials;
• use PTBA content for commercial purposes without prior written consent.

Unauthorized use constitutes a material breach of contract.

8. PTBA PERSONAL TRAINER COURSE

The PTBA Personal Trainer Course is a professional qualification program designed in accordance with internationally recognised professional education standards. Where relevant, the program structure and learning outcomes are aligned with European professional standards for fitness professionals (EREPS); however, the course is offered as an independent professional certification program.

The course includes:

• online learning modules and recorded lectures;
• mandatory in-person practical training;
• a final examination and issuance of a diploma.

Successful completion of the course leads to the issuance of the PTBA Personal Trainer Licence, a private professional certification granted by PTBA.

The PTBA Personal Trainer Licence is time-limited and must be renewed periodically in accordance with PTBA’s licence renewal requirements, including ongoing professional education and payment of applicable renewal fees.

Other PTBA courses, seminars, and workshops may qualify as recognized professional education for the purpose of licence renewal, where expressly stated by PTBA.

The PTBA Personal Trainer Licence is a private certification and does not constitute a state-issued licence or governmental authorization to practice. Compliance with any local, state, or federal laws applicable to personal training activities remains the sole responsibility of the participant.

Where a separate PT Course Agreement is executed, its provisions shall prevail. In the absence of a separately signed agreement, these Terms and Conditions shall apply in full.

8.1. LICENCE TERM AND RENEWAL CONDITIONS

The Personal Trainer Licence issued by PTBA is granted for an initial term of two (2) years from the date of issuance. Upon expiration of the initial term, the licence may be renewed for successive one (1) year terms, subject to the conditions set forth in this Section.

A condition for licence renewal is that the licence holder demonstrates ongoing professional education and maintenance of professional competence in the field of personal training. For each one-year renewal period, the licence holder must demonstrate completion of at least ten (10) hours of professional education completed during the preceding licence term.

Recognized professional education includes educational activities that are substantively related to:

• personal training and training methodologies,
• human anatomy, physiology, and biomechanics,
• exercise safety, risk management, and quality of service delivery,
• fundamentals of rehabilitation and injury-prevention exercise,
• nutrition as it relates to physical activity and training,
• business operations, ethics, and management within the fitness industry.

Professional education may be completed through PTBA programs or through other appropriate domestic or international education providers. PTBA reserves the sole discretion to assess and determine the relevance, quality, and acceptability of any submitted educational activity.

The licence holder must submit reliable and verifiable documentation evidencing completion of the required professional education no later than the licence expiration date. Such documentation must clearly identify the subject matter, duration, and provider of the education. PTBA may verify the authenticity of submitted materials and may request additional information or clarification where reasonably necessary.

Licence renewal is subject to payment of a renewal fee. Prior to issuance of a renewed licence, the licence holder must pay the applicable renewal fee in accordance with the then-current PTBA fee schedule. The renewal fee covers administrative review, licence record maintenance, and issuance of updated certification documentation reflecting the extended validity period.

If the licence holder fails to satisfy the renewal requirements set forth in this Section or fails to pay the applicable renewal fee by the licence expiration date, PTBA shall not renew the licence. Upon expiration, the Personal Trainer Licence automatically becomes invalid, and the individual immediately loses any right to use the professional title, reference the licence, or represent themselves as a PTBA-licensed personal trainer.

An individual whose licence has expired or was not renewed may obtain a licence again only by submitting a new application, subject to the requirements applicable to new applicants at the time of application, including all educational, procedural, and financial requirements then in effect.

9. ULTIMATE ROLE MODEL (URM) PROGRAM

The Ultimate Role Model (URM) program is a structured online coaching and lifestyle optimization program with a standard duration of twelve (12) months, unless otherwise expressly agreed in writing.

The URM program may include, in particular:

• an individualized training and lifestyle program;
• weekly live group online sessions;
• monthly one-on-one live online sessions;
• quarterly live action events;
• access to online educational materials, including articles, webinars, recordings, and similar content;
• ongoing support and guidance provided by PTBA or its appointed coaches.

The exact scope, structure, duration, payment terms, and additional conditions of participation may be further regulated in a separate written URM contract provided to the Client for signature.

The URM program constitutes coaching, education, and lifestyle support only. It does not constitute medical treatment, healthcare services, psychotherapy, nutritional therapy, or any other regulated professional service. PTBA does not provide medical advice, diagnosis, or treatment, and no guarantees regarding health, fitness, business, or personal results are given.

Participation in the URM program is voluntary and at the Client’s own risk. Results depend entirely on the Client’s engagement, consistency, and implementation of the guidance provided.

All payments made in connection with the URM program are final and non-refundable, unless mandatory provisions of United States consumer protection law require otherwise.

Where a separate written URM contract has been duly signed by both parties, that contract shall prevail over these General Terms and Conditions in the event of any inconsistency.

If a written URM contract is not signed for any reason, the contractual relationship shall nevertheless be governed by Section 3 (Contract Conclusion and Duration) and these General Terms and Conditions shall apply in full.

10. NGPT PROGRAM / MAINSTREAM BUSINESS COACHING

The Next Generation Personal Trainer (NGPT) is a structured business mentorship and education program specifically designed for personal trainers and fitness professionals. Mainstream Business Coaching is a structured business mentorship and education program intended for entrepreneurs, business owners, and professionals from industries other than fitness. Both programs are governed by these General Terms and Conditions and have a standard duration of twelve (12) months, unless otherwise expressly agreed in writing.

The program is intended for personal trainers, fitness professionals, entrepreneurs, business owners, and other professionals seeking to improve their business performance, systems, sales, marketing, positioning, and scalability across various industries.

The NGPT / Mainstream Business Coaching program may include, in particular:

• an introductory discovery call;
• preparation of an individualized business plan;
• weekly live group online sessions;
• monthly one-on-one live online sessions;
• quarterly live action events;
• access to online educational materials, including articles, webinars, recordings, and similar content;
• access to a private community and ongoing support from the Provider’s team.

The exact scope, structure, duration, pricing, payment schedule, and additional participation conditions may be further regulated in a separate written contract provided to the Client for signature.

The NGPT / Mainstream Business Coaching program constitutes business education, strategic guidance, and mentorship only. It does not constitute employment, partnership, agency, franchise, financial advice, legal advice, or any other regulated professional service. No guarantees are given regarding income, profit, business growth, or commercial success.

Participation in the program is voluntary and all business decisions, actions, and outcomes remain the sole responsibility of the Participant. Success depends largely on the Participant’s engagement, consistency, and implementation of the guidance provided.

All payments made in connection with the NGPT / Mainstream Business Coaching program are final and non-refundable, unless mandatory provisions of United States consumer protection law require otherwise.

Where a separate written contract has been duly signed by both parties, that contract shall prevail over these General Terms and Conditions in the event of any inconsistency.

If a written contract is not signed for any reason, the contractual relationship shall nevertheless be governed by Section 3 (Contract Conclusion and Duration) and these General Terms and Conditions shall apply in full.

The program name “Next Generation Personal Trainer” is a brand name and does not limit participation exclusively to personal trainers.

11. PERSONAL DATA AND PRIVACY

PTBA processes personal data in accordance with applicable US privacy laws and, where relevant, the EU General Data Protection Regulation (GDPR).

Personal data is used exclusively for:

• program delivery;
• communication;
• payment processing;
• legal and administrative purposes.

Participants may request access, correction, or deletion of personal data, subject to legal retention obligations.

12. LIMITATION OF LIABILITY

To the fullest extent permitted by US law, PTBA shall not be liable for:

• indirect, incidental, or consequential damages;
• loss of income, profits, data, or business opportunities;
• outcomes resulting from Participant decisions or actions.

Total liability, if any, shall not exceed the amount paid by the Participant for the specific service.

13. GOVERNING LAW AND JURISDICTION

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles.

Any disputes shall be subject to the exclusive jurisdiction of the competent courts located in Florida, USA.

14. FINAL PROVISIONS

PTBA may amend these Terms at any time. Updated Terms become effective upon publication.

If any provision is held invalid, the remaining provisions remain in force.

By enrolling in any PTBA service, you confirm full acceptance of these Terms.

St. Petersburg, Florida, December 1st, 2025