Terms and conditions

Effective Date: October 1, 2026

Welcome to My Cloud Coach. These Terms and Conditions (the "Terms") are a legally binding agreement between you and Ciraltos LLC, doing business as My Cloud Coach ("My Cloud Coach," "we," "us," or "our"). They govern your use of our website at https://mycloud.coach, our online courses, and any related services we provide (together, the "Service").

Please read these Terms carefully. By creating an account, checking the box at checkout, purchasing a course, or otherwise accessing or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

Section 22 contains a binding arbitration agreement and class action waiver that affect how disputes are resolved. You may opt out within 30 days as described in Section 22.

In these Terms:

• "Account" means the profile and login credentials you use to access the Service.
• "Course" means any on-demand course, Live Course, learning path, bundle, session recording, lab guide, quiz, or other learning product offered through the Service.
• "Live Course" means a Course delivered in whole or in part through scheduled, instructor-led online sessions (each, a "Live Session").
• "Course Content" means all videos, slides, text, scripts, code samples, lab guides, quizzes, downloads, images, and other materials made available in or with a Course.
• "User Content" means anything you post, upload, or submit to the Service, such as comments, discussion posts, questions, reviews, and assignment submissions.
• "Platform Providers" means the third parties we use to operate the Service, including our learning platform provider, our payment processor, and our email and analytics providers.

You must be at least 18 years old, or the age of legal majority where you live if that is higher, to create an Account, make purchases, or use the Service. The Service is not directed to anyone under 18, and we do not knowingly collect personal information from anyone under 18. If we learn that an Account belongs to someone under 18, we may close it.

If you use the Service or purchase Courses on behalf of a company or other organization, you confirm that you have authority to bind that organization to these Terms, and "you" includes that organization.

You agree to provide accurate and current information when you register and to keep it up to date. You are responsible for keeping the email address on your Account current. Notices we send to that address, including notices about Course retirement or shutdown of the Service, are effective when sent, whether or not you read them. You are responsible for keeping your password confidential and for all activity that occurs under your Account. Notify us immediately at mcc@ciraltos.com if you believe your Account has been accessed without your permission.

Each Account is for one individual person. You may not share your login credentials or allow anyone else to access your Account or your purchased Courses.

Courses are sold individually on a one-time, per-course basis unless a Course page clearly states otherwise. We do not offer subscriptions, and your purchase will not automatically renew.

All prices are shown in U.S. dollars unless otherwise stated at checkout. You are responsible for any applicable sales, use, value added, or similar taxes, which may be added at checkout where required by law.

Payments are processed by our third-party payment processor, Stripe. We do not store your full payment card details. By providing a payment method, you authorize us and Stripe to charge the total amount shown at checkout, and your payment information is subject to Stripe's own terms and privacy policy.

When your payment is successfully processed, you will receive an order confirmation email and immediate access to the purchased Course. This confirmation forms the contract between you and us for that purchase.

We may change Course prices at any time. Price changes do not affect Courses you have already purchased. We may offer discounts, coupons, or promotional pricing at our discretion. Coupons have no cash value, cannot be combined unless stated, and may be withdrawn at any time.

We try to display accurate prices and descriptions. If a Course is listed at an incorrect price because of an obvious error, we may cancel the order and refund any amount paid, even after you receive a confirmation email.

We want you to be satisfied with your purchase. The refund terms in this section apply to on-demand Courses. Refunds for Live Courses are covered in Section 6. You may request a full refund of an on-demand Course within 14 days of the purchase date, provided you have completed less than 25% of the Course. To request a refund, email mcc@ciraltos.com with your order details.

Approved refunds are issued to your original payment method, typically within 5 to 10 business days depending on your bank.

Refund abuse. Refunds are intended for learners who find that a Course is not the right fit, not as a way to access Course Content for free. All refund decisions under these Terms, including refunds for Live Courses, are made at our sole discretion, and meeting the eligibility requirements above does not guarantee a refund. We may deny a refund request, limit your ability to make future purchases, or suspend or close your Account if we determine, at our sole discretion, that refund activity is abusive or fraudulent. Examples include, but are not limited to:

• Requesting refunds on multiple Courses or repeatedly within a 12-month period.
• Purchasing, refunding, and repurchasing the same Course. A Course may be refunded only once per learner, and a repurchased Course is not eligible for a refund.
• Downloading, copying, or recording a substantial portion of Course Content before requesting a refund.
• Earning a certificate of completion for the Course, sharing your Account, or otherwise violating these Terms.
• Using multiple Accounts or payment methods to obtain refunds.

When a refund is issued, your access to the Course ends and any certificate of completion for that Course is revoked. Refunds for bundles are handled for the whole bundle, not individual Courses within it. Our sole discretion over refunds does not limit any refund or withdrawal right you have under applicable consumer protection laws.

If you are a consumer located in the European Union or the United Kingdom, you have a statutory right to withdraw from a purchase of digital content within 14 days. By requesting immediate access to a Course at checkout, you expressly consent to the Course being made available right away and acknowledge that you lose that statutory withdrawal right once access begins. This does not affect our voluntary refund policy above or any other rights you have under mandatory consumer protection laws.

If you file a chargeback or payment dispute instead of contacting us first, we may suspend your Account and access to Courses while the dispute is reviewed.

Your purchase gives you access to the Course while the Course remains available on the Service, the Service remains in operation, and your Account is in good standing. Course purchases do not include lifetime access or access for any guaranteed period.

Cloud technology changes frequently, so we may update, reorganize, re-record, or replace Course Content at any time to keep it current. We may also retire an individual Course. If we retire a Course you purchased, we will notify you by email at the email address associated with your Account. You will continue to have access to the retired Course for 90 days from the date of that notice, after which your access to that Course will end. We will also give you access to a comparable Course on the same topic or subject matter and in the same delivery format (for example, pre-recorded or live) as the retired Course, if one is available. Retirement of a Course does not entitle you to a refund.

Shutdown of the Service. If we decide to permanently shut down the Service, we will notify you by email at the email address associated with your Account. You will continue to have access to your purchased Courses for 180 days from the date of that notice (the "Wind-Down Period"). At the end of the Wind-Down Period, the Service will be shut down and all access to Courses and Accounts will end. You should download any materials we make available for download, and any certificates of completion you wish to keep, before the Wind-Down Period ends. The end of access at the close of the Wind-Down Period does not entitle you to a refund.

We may offer support for Course questions through a discussion area, email, or other channels at our discretion. We do not guarantee a specific response time, and we do not provide technical support for your own production environments.

Schedule and time zone. Live Session dates and times are shown on the Course page in U.S. Central Time. You are responsible for converting session times to your own time zone and for making sure you can attend.

Delivery platform. Live Sessions are delivered through Microsoft Teams or another third-party meeting platform we choose. Your use of that platform is subject to its own terms and privacy policy, and you are responsible for having a compatible device, software, and internet connection.

Refunds for Live Courses. You may request a full refund of a Live Course if you contact us at mcc@ciraltos.com at least 7 days before the first scheduled Live Session. After that point, Live Course purchases are non-refundable, except as described in this section.

Rescheduling by us. We will make every reasonable effort to hold Live Sessions as scheduled and to give as much notice as possible of any change. We reserve the right to reschedule any Live Session, including on short notice, due to illness, emergencies, technical problems, or other unforeseen circumstances. If a Live Session is rescheduled, we will notify you by email and will reschedule it as soon as reasonably possible.

If we reschedule two or more Live Sessions of the same Live Course with less than 14 days' notice before the originally scheduled session dates, you may choose either (a) a full refund of the price you paid for that Live Course, or (b) a transfer to an upcoming Live Course of equal value, if one is available. To use this option, you must contact us at mcc@ciraltos.com within 14 days of our notice of the second rescheduled session.

Cancellation by us. We may cancel a Live Course, including for low enrollment, by notifying you by email at least 7 days before the first scheduled Live Session. If we cancel a Live Course, you will receive a full refund of the price you paid, or, if you prefer, a transfer to an upcoming Live Course of equal value, if one is available.

Missed sessions. If you miss a Live Session for any reason, you will have access to the recording of that session. Missing a Live Session does not entitle you to a refund or a transfer.

Recording availability. Recordings of Live Sessions will be available to you for at least 90 days after the final Live Session of the Live Course. After that period, recordings may remain available at our discretion, subject to Section 5.

Transferring your seat. You may transfer your seat in a Live Course to another person by emailing us at mcc@ciraltos.com before the first scheduled Live Session. The new participant must create an Account and agree to these Terms. Seats may not be transferred after the first Live Session begins.

Consent to recording. All Live Sessions are recorded. By joining a Live Session, you consent to being recorded, including your name or display name, voice, video image (if your camera is on), and any questions, comments, or chat messages you share during the session. You understand and agree that recordings, including your participation, will be made available to other learners enrolled in that Live Course and to learners who purchase that Course or its recordings in the future. We will not use recordings that include your voice, image, or name in advertising or marketing without your separate permission.

To limit what appears in a recording, you may keep your camera off, use a display name other than your full name, and ask questions through chat. Do not share confidential, personal, or employer information during a Live Session. You may not record, capture, or redistribute any Live Session yourself.

Conduct. The conduct rules in Section 13 apply to Live Sessions, including chat. We may remove anyone from a Live Session who disrupts it or violates these Terms, without a refund.

Courses and Live Sessions are typically delivered by the instructor named on the Course page. If that instructor is unavailable due to illness, emergency, scheduling conflict, or other circumstances, a qualified substitute instructor may deliver all or part of a Course or Live Session.

A qualified substitute instructor will have relevant subject matter expertise and will deliver the Course using the same Course content and learning objectives. A change of instructor does not entitle you to a refund or transfer.

When you purchase a Course, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and view the Course Content for your own individual learning and professional development, in accordance with these Terms.

You may use the techniques, configurations, and code samples you learn in your own work, including work for your employer or clients. However, unless we give you written permission, you may not:

• Share your Account, sell, rent, lend, or transfer access to any Course.
• Copy, download (except where a download option is provided for your personal use), record, screen capture, reproduce, redistribute, publicly display, or publish Course Content.
• Use Course Content to create or deliver competing training, courses, videos, or instructional materials, or use it to teach others in a classroom or corporate training setting.
• Upload Course Content, including videos, transcripts, slides, or lab guides, to any artificial intelligence tool, model, or dataset for training, fine tuning, or the creation of derivative materials, or use automated tools to scrape or extract Course Content.
• Remove or alter any copyright, trademark, or other proprietary notices.
• Circumvent or interfere with any security, access control, or content protection feature of the Service.

Group, team, or corporate licensing is available only by separate written agreement with us.

Many Courses include hands-on demonstrations and labs that use Microsoft Azure, Microsoft 365, Windows 365, Azure Virtual Desktop, and other third-party cloud services. Unless a Course states otherwise, you must provide your own subscriptions, tenants, and licenses for those services.

• You are solely responsible for any charges incurred in your own cloud subscriptions or accounts while following a Course, including compute, storage, networking, licensing, and any resources you forget to stop or delete. We recommend using a dedicated test or trial subscription, setting budgets and cost alerts, and removing lab resources when you are finished.
• Do not run lab steps, scripts, or configuration changes in a production environment without your own testing, change control, and appropriate authorization. Scripts, templates, and code samples are provided for educational purposes "as is" and without warranty.
• You are responsible for complying with the terms of any third-party service you use during a Course, and for having permission to make changes in any tenant or subscription you use.

Some Courses are designed to help you prepare for industry certification exams offered by Microsoft or other technology vendors. Unless expressly stated otherwise in the Course description, we do not guarantee that you will pass any certification exam, obtain any certification, or achieve any particular career, employment, or financial result. Exam objectives, formats, and policies are set by the exam provider and may change without notice.

Certificates of completion issued by My Cloud Coach confirm that you completed a Course on our Service. They are not an official certification, license, or credential from Microsoft or any other technology vendor, and they do not represent accreditation by any educational institution.

My Cloud Coach is an independent training provider. Unless expressly stated, My Cloud Coach is not affiliated with, sponsored by, or endorsed by Microsoft Corporation or any other technology vendor referenced in the Service.

Microsoft, Azure, Microsoft Entra, Microsoft 365, Windows 365, Copilot, and related names and logos are trademarks of the Microsoft group of companies. Names, logos, and certification titles of other technology vendors referenced in the Service are trademarks of their respective owners. All other product and company names are trademarks of their respective owners and are used only for identification and educational purposes.

The Service and all Course Content, including videos, text, graphics, logos, the My Cloud Coach name and branding, page layouts, and underlying code, are owned by Ciraltos LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. Except for the limited license described in these Terms, no rights are granted to you, and we reserve all rights not expressly granted.

You may link to any public page of our website, including individual Course pages, as long as you do not suggest an endorsement or affiliation that does not exist and do not frame or embed our pages within another website.

Some areas of the Service may allow you to post comments, questions, discussion posts, reviews, or other User Content. You keep ownership of your User Content. By posting it, you grant us a worldwide, non-exclusive, royalty-free, perpetual license to host, store, reproduce, display, adapt for formatting, and distribute your User Content in connection with operating and promoting the Service. If you submit a review or testimonial, you agree we may display it with your name or username as shown on your profile.

You are responsible for your User Content and confirm that you have the rights needed to post it. When using any community or communication feature, you agree not to:

• Post anything unlawful, abusive, harassing, threatening, defamatory, obscene, hateful, or discriminatory.
• Share confidential information, credentials, secrets, tenant IDs, keys, or personal data belonging to you, your employer, or anyone else.
• Impersonate any person, including My Cloud Coach staff, or misrepresent your affiliation with anyone.
• Post spam, advertising, affiliate links, or unsolicited promotions.
• Upload malware or attempt to interfere with the Service or other users.
• Post content that infringes anyone's copyright, trademark, privacy, or other rights.

We are not required to monitor User Content, but we may review, edit, remove, or refuse any User Content, and suspend or close Accounts, at our discretion if we believe these Terms have been violated.

If you send us suggestions, ideas, or other feedback about the Service or our Courses, you agree that we may use that feedback for any purpose without obligation or compensation to you.

We respect the intellectual property rights of others. If you believe that material on the Service infringes your copyright, please send a notice to mcc@ciraltos.com that includes: your contact information; a description of the copyrighted work; the location of the allegedly infringing material on the Service; a statement that you have a good faith belief the use is not authorized; a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf; and your physical or electronic signature. We may remove material and terminate the Accounts of repeat infringers.

We rely on Platform Providers to operate the Service, including our learning management platform, Stripe for payments, Microsoft Teams for Live Sessions, MailerLite for email communications, and Google Analytics for website analytics. The Service may also link to third-party websites, documentation, and tools, such as Microsoft Learn. Third-party services and websites are governed by their own terms and privacy policies. We do not control them and are not responsible for their content, availability, or practices.

Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference. Our use of cookies and similar technologies is described in our Cookie Policy.

By using the Service, you consent to receive electronic communications from us, such as order confirmations, account notices, and updates to these Terms. You agree that these electronic communications satisfy any legal requirement that such communications be in writing.

If you opt in to marketing emails, you can unsubscribe at any time using the link in any marketing email. Unsubscribing from marketing emails does not stop transactional or account-related messages.

You may close your Account at any time by contacting us at mcc@ciraltos.com. Closing your Account ends your access to all purchased Courses and does not entitle you to a refund, except as described in our Refund Policy.

We may suspend or terminate your Account or access to any Course, without refund, if you violate these Terms, including by sharing your Account or redistributing Course Content, if we are required to do so by law, or if your use creates risk or possible legal exposure for us or others. Where reasonable, we will notify you and explain the reason.

Sections of these Terms that by their nature should survive termination will survive, including those covering intellectual property, User Content licenses, disclaimers, limitation of liability, indemnification, and dispute resolution.

THE SERVICE AND ALL COURSE CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Educational purposes only. All Course Content, including Live Sessions, labs, scripts, templates, and answers to questions, is provided for general educational and informational purposes only. It does not constitute consulting, professional services, or architecture, security, legal, licensing, or compliance advice for your specific environment, and no consulting or professional services relationship is created between you and us. Any decision to apply what you learn to your own or anyone else's environment is made at your own discretion and risk. Cloud products, features, pricing, licensing, and exam objectives change frequently, and some Course Content may become outdated. You are responsible for validating any information against current vendor documentation before relying on it.

We do not warrant that the Service will be uninterrupted, secure, or error free, or that any defects will be corrected. We are not responsible for outages or interruptions caused by our Platform Providers, internet service providers, or other events outside our reasonable control, and no refunds are provided for temporary unavailability.

Your environment. You are solely responsible for any environment, tenant, subscription, or system in which you apply Course Content. To the fullest extent permitted by law, we are not liable for any misconfigurations, security incidents, service outages, data loss, cloud service or licensing charges, or other issues arising in your environment or any environment you manage, whether or not you followed Course Content, labs, or scripts as presented.

TO THE FULLEST EXTENT PERMITTED BY LAW, CIRALTOS LLC AND ITS OWNERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL, OR FOR ANY CLOUD SERVICE CHARGES, SYSTEM DOWNTIME, OR DAMAGE TO SYSTEMS, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE OR COURSE CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE COURSE OR COURSES GIVING RISE TO THE CLAIM IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) US $100.

Some jurisdictions do not allow certain warranty disclaimers or limitations of liability, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for fraud or for death or personal injury caused by negligence.

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Ciraltos LLC and its owners, employees, contractors, and agents from any third-party claims, losses, liabilities, and expenses, including reasonable attorneys' fees, arising from your misuse of the Service, your User Content, your violation of these Terms, or your violation of any law or the rights of any third party.

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND US TO RESOLVE MOST DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION INSTEAD OF IN COURT, AND IT WAIVES YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. YOU MAY OPT OUT AS DESCRIBED BELOW.

Governing law. These Terms are governed by the laws of the State of Minnesota, United States, without regard to its conflict of law rules, and, for this arbitration agreement, by the U.S. Federal Arbitration Act.

Informal resolution first. Before starting arbitration or any other proceeding, you and we each agree to first send the other a written description of the dispute and try to resolve it informally for at least 30 days. Notices to us must be sent to mcc@ciraltos.com. Notices to you will be sent to the email address associated with your Account.

Binding arbitration. If a dispute is not resolved informally, any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or any Course (a "Dispute") will be resolved by final and binding arbitration on an individual basis. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, or its Commercial Arbitration Rules if you purchased on behalf of a business, and will be decided by a single arbitrator. Unless you and we agree otherwise, the arbitration will be conducted by video conference or, for claims of $10,000 or less, on written submissions only. Any in-person hearing will take place in Hennepin County, Minnesota, or, if you are an individual consumer, in the county where you live. Filing and arbitrator fees will be paid as required by the applicable AAA rules. The arbitrator may award the same individual relief that a court could award, and judgment on the award may be entered in any court with jurisdiction.

Exceptions. Either party may bring an individual claim in small claims court if it qualifies. Either party may also seek an injunction or other equitable relief in court to stop the actual or threatened infringement or misuse of its intellectual property, including unauthorized sharing or redistribution of Course Content.

Class action and jury trial waiver. YOU AND WE EACH AGREE THAT DISPUTES WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate the claims of more than one person or preside over any form of class or representative proceeding. YOU AND WE EACH WAIVE ANY RIGHT TO A JURY TRIAL.

Opting out. You may opt out of this arbitration agreement by emailing mcc@ciraltos.com within 30 days after you first accept these Terms, with the subject line "Arbitration Opt-Out" and your name and the email address associated with your Account. Opting out does not affect any other part of these Terms.

Court proceedings. If you opt out, if a Dispute is not subject to arbitration, or if this arbitration agreement is found not to apply, the Dispute must be brought exclusively in the state or federal courts located in Hennepin County, Minnesota, and you and we consent to the jurisdiction of those courts. If the class action waiver is found unenforceable for any claim, that claim must proceed in court and not in arbitration, and the remainder of this arbitration agreement will still apply.

Changes and survival. If we make a material change to this arbitration agreement, the change will not apply to any Dispute of which either party had already given notice. This section survives termination of your Account and these Terms.

Consumers outside the United States. If you are a consumer living outside the United States, this arbitration agreement and class action waiver apply only to the extent permitted by the laws of your country of residence. You may also have the benefit of mandatory consumer protection laws and courts in your country of residence, and nothing in these Terms takes away those rights.

You may not access or use the Service if you are located in, or are a resident of, a country or region subject to comprehensive U.S. sanctions, or if you are on any U.S. government list of prohibited or restricted parties. You agree to comply with all applicable export control and sanctions laws.

We may modify, suspend, or discontinue any part of the Service at any time. A permanent shutdown of the entire Service will follow the notice and Wind-Down Period described in Section 5. We may also update these Terms from time to time. When we make material changes, we will update the Effective Date above and, where appropriate, notify you by email or through the Service at least 30 days before the changes take effect. Changes will not apply retroactively to purchases completed before the change. Your continued use of the Service after changes take effect means you accept the updated Terms.

• Entire agreement. These Terms, together with our Privacy Policy and any terms shown on a Course page or at checkout, are the entire agreement between you and us about the Service and replace any prior versions.
• Assignment. You may not assign or transfer these Terms or your access to any Course. We may assign these Terms in connection with a merger, acquisition, or sale of our business or assets.
• Severability. If any provision is found unenforceable, it will be enforced to the maximum extent possible, and the remaining provisions will remain in effect.
• No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control, including outages of cloud or platform providers, internet failures, natural disasters, or government action.
• No third-party beneficiaries. These Terms do not give any rights to any third party.
• Relationship. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship.
• Headings. Section headings are for convenience only, and "including" means "including without limitation."

If you have questions about these Terms, please contact us:

Ciraltos LLC, doing business as My Cloud Coach
5123 W 98th St #1392
Minneapolis, MN 55437
Email: mcc@ciraltos.com
Website: https://mycloud.coach