TERMS OF USE

1. Who we are

These Terms of Use ("Terms") set out the rules for using the NForge mobile application, website and related services (together, the "Platform").

The Platform is operated by Quantum Craft LTD, a company registered in England and Wales with company number 15942103 ("we", "us", "our").

You can contact us at contact@nforge.fit.

By creating an account, browsing or using the Platform you agree to these Terms. If you do not agree, you must not use the Platform.

There are two types of users:

• Trainers: fitness professionals using the Platform to offer classes, programmes or sessions.
• Clients: individuals purchasing or accessing services from Trainers through the Platform.

When we say "you" in these Terms it refers to both Trainers and Clients unless we say otherwise.

2. Our role

We provide a Platform that enables Trainers and Clients to find each other, book classes or sessions, and manage payments.

We do not provide fitness, medical or nutritional services ourselves.

Any contract for services is between the Trainer and the Client, not with us.

We are not responsible for the quality, safety or outcome of any session or programme provided by a Trainer.

Nothing on the Platform is medical advice. Clients should consult an appropriate healthcare professional before starting any exercise or nutrition programme, especially if they have existing health conditions.

3. Eligibility

You may only use the Platform if:

• You are at least 18 years old; and
• You have the legal capacity to enter into a binding contract.

Trainers must also:

• Comply with all applicable laws and regulations;
• Hold any licences, certifications or insurance required to provide their services in their territory; and
• Ensure their services are safe and appropriate for their Clients.

We may ask Trainers to provide evidence of qualifications or insurance and may suspend accounts where this is not provided.

4. Your account

To use many features you must create an account.

You agree that:

• All information you provide is accurate and kept up-to-date;
• You are responsible for maintaining the confidentiality of your login details; and
• You are responsible for all activity under your account.

You must notify us immediately if you suspect unauthorised use of your account.

We may suspend or terminate your account if we reasonably believe you have breached these Terms.

5. Subscriptions, bookings and payments

5.1 Payments and our fees

Payments on the Platform are processed by our third-party payment provider, currently Stripe. By using the Platform you also agree to Stripe's applicable terms and conditions, including the Stripe Services Agreement. By registering as a Trainer, you additionally agree to the Stripe Connected Account Agreement, which may be updated by Stripe from time to time. If there is a conflict between these Terms and the Stripe Connected Account Agreement, the Stripe Connected Account Agreement will prevail in relation to payment processing matters.

Clients authorise us and Stripe to charge the payment method they provide for any purchases made on the Platform.

When a Client makes a payment for a Trainer's service, the payment is processed by us through the Platform. We collect the payment from the Client, deduct our platform fee and any applicable Stripe processing fees, and arrange for the net amount to be transferred to the Trainer's connected Stripe account, subject to the Trainer having completed payment onboarding (see Section 5.2 below).

We charge a platform fee (currently 7.9%) on payments processed through the Platform. The current fee schedule is available in your Trainer dashboard. Fees may be updated from time to time, and we will provide reasonable notice of any changes.

All prices shown on the Platform are set by the relevant Trainer and are inclusive of any applicable taxes unless stated otherwise by the Trainer. Trainers are responsible for ensuring their prices comply with applicable tax laws.

5.2 Trainer payment onboarding and fund holding

(a) Payment onboarding requirement. To receive payouts, Trainers must complete payment onboarding through our payment provider (currently Stripe). This includes identity verification, providing bank account details, and any other information required by Stripe and applicable law. A Stripe Express connected account will be created for you when you confirm your email address; however, your account is not fully operational until you complete the onboarding process.

(b) Payments collected before onboarding is complete. Where a Client makes a payment for a Trainer's service and the Trainer has not yet completed payment onboarding, the payment will still be collected from the Client. The funds will be held by our payment provider (Stripe) or by us until the Trainer completes onboarding. Trainers acknowledge and agree that:

• We (or our payment provider) may hold funds on the Trainer's behalf until onboarding is complete;
• We do not pay interest on held funds;
• We are not acting as a bank, e-money institution or payment institution, and the holding of funds does not create a deposit, trust or escrow arrangement (except to the extent required by law);
• Funds held are ring-fenced and are not used for our own business purposes.

(c) Onboarding deadline. Trainers must complete payment onboarding within 60 days of their first Client payment being collected through the Platform. We may send reminders during this period.

(d) Failure to complete onboarding. If a Trainer does not complete payment onboarding within 60 days of their first Client payment being collected (or within such longer period as we may allow at our discretion):

• We reserve the right to suspend the Trainer's ability to accept new bookings or payments through the Platform;
• We may, at our discretion, issue full refunds to affected Clients from the held funds;
• Any remaining held funds after refunds will be returned to the Trainer through a reasonable alternative method, or held for a further period of up to 90 days pending resolution;
• If we are unable to return funds to the Trainer or refund the Client after reasonable efforts over a period of 180 days, we will deal with unclaimed funds in accordance with applicable law.

(e) Trainer acknowledgement. By listing services on the Platform, Trainers acknowledge that they should complete payment onboarding as soon as possible to ensure timely receipt of payouts. Delays in onboarding may result in delays in receiving funds.

5.3 Fund safeguarding

Where we hold funds on behalf of a Trainer pending the completion of payment onboarding or for any other reason:

• Such funds are held in a segregated account with our payment provider (currently Stripe) and are not commingled with our own operating funds;
• We do not use held funds for our own business purposes;
• In the unlikely event of our insolvency, held funds are intended to be ring-fenced and available for return to Trainers or refund to Clients.

We are not a bank, payment institution, or e-money institution. We do not provide payment services except through our authorised third-party payment provider.

5.4 Payouts to Trainers

Subject to the Trainer having completed payment onboarding (see Section 5.2), and subject to successful payment collection and fraud checks:

• We will arrange payouts of net amounts owed to Trainers (after deduction of our platform fee and any applicable Stripe fees) to the bank account they provide in their Stripe Connect account;
• Payouts will not begin until the Trainer has completed all required payment onboarding steps and their Stripe account has been approved for payouts;
• Payout timing may depend on Stripe's payout schedule (typically 2-7 business days after payment), banking delays and our own risk checks;
• We may withhold or delay payouts where we reasonably suspect fraud, chargebacks, or breach of these Terms;
• We are not responsible for delays caused by Stripe, your bank, or any third party.

Trainers are responsible for the accuracy of their bank account details and any other information provided to Stripe. We are not liable for payouts sent to incorrect bank details provided by the Trainer.

5.5 Cancellations and refunds

Each Trainer may set their own cancellation and refund policy, provided it is clearly communicated to Clients before they purchase.

Online class cancellations. The following cancellation rules apply to online class subscriptions booked through the Platform:

• Clients may cancel their subscription at any time. Unused sessions will be refunded, subject to the 8-hour rule below.
• Sessions within 8 hours of their scheduled start time are non-refundable. The Client may still attend the session.
• If a Client does not attend a booked session (“no-show”), the session is treated as completed and the session credit is consumed. No refund is available for no-shows.

Unless required by law:

• We are not obliged to provide refunds on behalf of Trainers.
• Any dispute or request for a refund is primarily between the Trainer and the Client.

However, we may, at our discretion, issue refunds or reverse charges in circumstances including suspected fraud, abuse or clear failure to deliver services.

Platform-initiated refunds. In addition to the above, we will issue refunds to Clients in the following circumstances:

• Where a Trainer fails to complete payment onboarding within the deadline set out in Section 5.2(d) and the Client's service has not been delivered;
• Where a Trainer's account is terminated and pre-paid services have not been delivered;
• Where we are required to do so by applicable law.

Refunds will be processed to the original payment method used by the Client. Processing times for refunds depend on the Client's payment provider and are typically 5-10 business days.

This section does not affect any right of withdrawal you may have as an EU consumer (see Section 5.7 below).

5.6 Chargebacks

If a Client initiates a chargeback:

• We may deduct the charged-back amount and any related fees from amounts due to the relevant Trainer;
• Where funds are being held pending Trainer onboarding (see Section 5.2), chargebacks may be deducted from those held funds before they are transferred to the Trainer; and
• We may suspend the Trainer's access where chargebacks are excessive or suspicious.

5.7 Right of withdrawal (EU consumers)

If you are a consumer in the European Economic Area, you have the right to withdraw from a distance contract within 14 days without giving any reason. The withdrawal period expires 14 days after the day the contract is concluded.

To exercise the right of withdrawal, you must inform us at contact@nforge.fit by a clear statement (for example, an email). You may use the model withdrawal form below, but it is not obligatory.

If you request that a service begins during the withdrawal period, you must pay us an amount proportional to what has been provided until you communicated your withdrawal, compared with the full coverage of the contract.

Exceptions: The right of withdrawal does not apply where: (a) the service has been fully performed with your prior express consent and your acknowledgement that you lose your right of withdrawal once the service is fully performed; or (b) the supply of digital content not on a tangible medium has begun with your prior express consent and your acknowledgement that you thereby lose your right of withdrawal.

Model withdrawal form:

5.8 Negative balances

Where the Platform incurs a negative balance or financial liability as a result of a Trainer's activity (including but not limited to chargebacks, refunds, fraud, or Stripe fees), the Trainer is responsible for that amount. We may:

• Deduct such amounts from future payouts to the Trainer;
• Set off such amounts against any funds we are holding for the Trainer;
• Invoice the Trainer for outstanding amounts; and/or
• Suspend the Trainer's account until the balance is resolved.

The Trainer agrees to indemnify us against losses arising from their use of the payment features of the Platform, including chargebacks, refunds required due to non-delivery of services, and fines or penalties imposed by payment networks.

5.9 Currency and taxes

All payments are processed in the currency set by the Trainer for the relevant service. Trainers are solely responsible for:

• Setting appropriate prices for their services;
• Accounting for and paying all taxes due on their earnings, including VAT, income tax and National Insurance (or equivalent) in their jurisdiction;
• Issuing any tax receipts or invoices required by applicable law.

We may provide transaction records to assist with record-keeping, but we do not provide tax advice and are not responsible for the Trainer's tax obligations.

6. Trainers' responsibilities

Trainers agree that they will:

• Complete payment onboarding through our payment provider (currently Stripe) promptly after confirming their email, and in any event within 60 days of their first Client payment being collected through the Platform;
• Keep their Stripe Connected Account information accurate and up-to-date;
• Not circumvent the Platform's payment system (for example, by arranging direct payments from Clients for services booked through the Platform);
• Provide services with reasonable skill and care;
• Ensure that any exercise or nutrition programme is appropriate for the Client, based on the information the Client has provided;
• Obtain and maintain appropriate professional and/or public liability insurance;
• Comply with all laws relating to consumer protection, health and safety, data protection and advertising;
• Not make any medical claims or provide medical advice unless appropriately qualified and authorised to do so;
• Keep any Client personal data secure and use it only for the purpose of providing their services, in line with applicable data protection laws;
• Ensure an appropriate, professional environment when conducting live video sessions;
• Not record video sessions or take screenshots without explicit consent from all participants;
• Maintain professional conduct and appropriate attire during live video sessions.

Trainers are independent professionals and are not our employees, workers, agents or partners.

7. Clients' responsibilities

Clients agree that they will:

• Provide accurate information about their health and fitness where requested by the Trainer;
• Follow reasonable instructions and safety information given by the Trainer;
• Stop exercising and seek medical advice if they feel unwell, experience pain, or are advised to do so by a healthcare professional;
• Ensure a private, appropriate environment when participating in live video sessions;
• Not record video sessions or take screenshots without explicit consent from the Trainer;
• Maintain appropriate behaviour and attire during live video sessions.

Clients are responsible for ensuring they have a safe environment and appropriate equipment for any online sessions (e.g. clear space, appropriate flooring, no trip hazards).

8. Live sessions and video features

The Platform enables live video sessions between Trainers and Clients. By using these features, you agree to the following terms:

8.1 Device permissions

To participate in live video sessions, you must grant the Platform access to your device's camera and microphone. You will be prompted to provide explicit permission through your device or browser settings. You may revoke these permissions at any time, but doing so will prevent you from participating in live video sessions.

8.2 Consent and data handling

By joining a video session, you consent to the real-time transmission of your video and audio to other session participants. Video and audio streams are transmitted live and are not recorded or stored by the Platform. We may collect session metadata (such as duration and timestamps) for troubleshooting and quality assurance purposes.

8.3 Recording prohibition

Recording of video sessions is strictly prohibited. You must not:

• Record video sessions using the Platform or any third-party tools;
• Take screenshots during sessions without explicit consent from all participants;
• Share, distribute, or publish any recorded content from sessions.

Violation of this prohibition may result in immediate suspension or termination of your account.

8.4 Conduct during sessions

During live video sessions, you must:

• Maintain appropriate attire and behaviour;
• Ensure your environment is suitable for a professional session;
• Be mindful of what is visible in your background;
• Not engage in any form of harassment, abuse, or inappropriate conduct.

8.5 Technical requirements and limitations

Video sessions require a stable internet connection. We recommend:

• A reliable broadband or mobile data connection;
• A device with a functioning camera and microphone;
• Using the latest version of the Platform or a supported browser.

We do not guarantee uninterrupted or error-free video sessions. Session quality may be affected by your internet connection, device capabilities, or factors outside our control.

8.6 Liability for video features

We are not liable for: (a) the conduct of any user during video sessions; (b) technical issues affecting video quality or connectivity that are outside our reasonable control; (c) any content shared or displayed by users during sessions; or (d) any breach of these Terms by other participants. You are responsible for your own privacy during sessions, including what is visible or audible in your environment.

9. Acceptable use

You must not:

• Use the Platform for any unlawful purpose;
• Harass, abuse, threaten or defame any other user;
• Upload or share content that is offensive, discriminatory, obscene or infringing;
• Attempt to reverse engineer, decompile or otherwise tamper with the Platform;
• Bypass or attempt to bypass any security or access controls;
• Record video sessions or take screenshots during sessions without explicit consent from all participants;
• Share, distribute or publish any content from video sessions without consent;
• Engage in inappropriate behaviour, attire, or harassment during live video sessions.

We may remove content, suspend or terminate accounts where we reasonably believe these rules have been breached.

10. Intellectual property

We (or our licensors) own all intellectual property rights in the Platform, including the software, design, and branding. You are granted a limited, non-exclusive, non-transferable licence to use the Platform for your personal or business use as a Trainer or Client.

Trainers retain ownership of any content they upload (for example, class descriptions, programme materials or videos), but grant us a worldwide, non-exclusive, royalty-free licence to host and display that content on the Platform for the purposes of operating and promoting the Platform.

You must not use our name, logo or trademarks without our prior written consent.

11. Privacy and data protection

We will handle personal data in accordance with our Privacy Policy, which forms part of these Terms.

Trainers may also be independent data controllers of their Clients' personal data. Trainers must comply with all applicable data protection laws, including (where applicable) UK GDPR and EU GDPR, and provide their Clients with appropriate privacy information.

12. Service availability and changes

We do not guarantee that the Platform will always be available or uninterrupted. We may suspend, withdraw or restrict availability for business or operational reasons, including maintenance and upgrades.

We may update or change the Platform and these Terms from time to time. If we make material changes, we will try to give you reasonable notice (for example via the app or by email). Continued use of the Platform after changes take effect means you accept the updated Terms.

13. Our liability

Nothing in these Terms limits or excludes liability for:

• Death or personal injury caused by negligence;
• Fraud or fraudulent misrepresentation; or
• Any other liability that cannot be limited or excluded under applicable law.

To the fullest extent permitted by law:

• We are not liable for any act or omission of any Trainer or Client, or for any services provided by Trainers;
• We are not liable for any indirect or consequential loss, loss of profits, loss of business or loss of data;
• Our total liability to any user arising out of or in connection with these Terms or the Platform, whether in contract, tort (including negligence) or otherwise, is limited to the higher of: (a) the total platform fees we have received from you in the 12 months preceding the event giving rise to the claim; and (b) £100.

Clients acknowledge that participation in fitness or exercise activities carries inherent risks. Subject to mandatory consumer rights, Clients participate at their own risk.

14. Termination

You may stop using the Platform at any time and may request account deletion by contacting us.

We may suspend or terminate your account and/or access to the Platform:

• If you materially breach these Terms;
• If we reasonably suspect fraud, misuse or illegal activity; or
• For any other reason by giving reasonable notice where commercially practical.

Termination does not affect any rights or obligations that have already arisen (for example, payment obligations or bookings already made).

15. Governing law and jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of England and Wales.

You and we agree that the courts of England and Wales will have exclusive jurisdiction, except that consumers resident elsewhere in the UK or EU may bring claims in their local courts under mandatory consumer laws. Nothing in these Terms affects your statutory rights as a consumer under the laws of the country where you are habitually resident.

Online Dispute Resolution (EU consumers)

The European Commission provides an online dispute resolution platform at https://ec.europa.eu/consumers/odr.

We are not obliged to participate in, and do not currently participate in, dispute resolution proceedings before a consumer arbitration body. However, we will always try to resolve any issues directly — please contact us first at contact@nforge.fit.

16. Forge AI free trial

We offer a free, one-off trial of our Forge AI programme generator on our website. By entering your details and generating a plan, you agree to these Terms and to our Privacy Policy.

• The trial is limited to one plan per person. We use technical measures (including your email address, browser session and network) to enforce this.
• When you use the trial we create an NForge account for you using the details you provide, so your plan is waiting when you choose to join. That account is inactive until you activate it — you cannot sign in, and you have not yet accepted these Terms as an account holder.
• To activate your account you will set your own password and confirm your acceptance of these Terms and our Privacy Policy at that point.
• Plans generated by Forge AI are AI-generated suggestions provided for information only. They are not personalised professional, medical or fitness advice. You are responsible for reviewing any plan and deciding whether it is appropriate before acting on it, and should seek professional advice where relevant.
• We may withdraw, limit or change the trial at any time. If you do not activate your account, we delete the personal data from your trial in line with our Privacy Policy, and you can ask us to delete it sooner.