TERMS AND CONDITIONS OF PARTICIPATION IN THE MONEY MATTERS: WEALTH-BUILDING SYSTEM PROGRAM

This document constitutes a legally binding public offer (hereinafter referred to as the “Agreement”) issued by TRADING EDUCATION OÜ, a company duly incorporated and existing under the laws of Estonia, with its registered office at Harju maakond, Tallinn, Lasnamäe linnaosa, Tähesaju tee 21-114, 13917 (hereinafter referred to as the “Company” or the “Organizer”). This Agreement sets forth the terms and conditions governing the participation of any legally capable individual of full legal age (hereinafter referred to as the “Participant”) in the Company’s financial literacy training program MONEY MATTERS: WEALTH-BUILDING SYSTEM (hereinafter referred to as the “Program”). The Participant’s acceptance of this Agreement is deemed to occur upon the completion of the requisite payment for participation in the Program, at which point a legally binding contractual relationship is established between the Participant and the Company.

1.     SUBJECT OF THE AGREEMENT

1.1. This Agreement sets forth the terms and conditions under which TRADING EDUCATION OÜ provides access to the Program through different packages: Silver, Gold  and Platinum. The Program is an educational initiative designed to enhance Participants’ financial literacy, investment competencies, and proficiency in navigating financial markets.

2. ACCEPTANCE OF OFFER AND PAYMENT TERMS

2.1. This Agreement shall become legally binding upon the Participant’s successful completion of payment, which may be made in one of the following forms: (i) full payment; (ii) pre-registration fee; or (iii) partial payment made in accordance with a payment schedule approved by the Organizer. The applicable method of payment shall correspond to the selected Program Package and shall be deemed accepted upon confirmation of the transaction by the Organizer or its authorized payment provider. The Program is offered under three available Packages: Silver, Gold, and Platinum. Each Package may be made available at varying price points depending on the timing of registration, limited-time promotional offers, or other commercial factors. The Organizer reserves the right to modify, update, or increase Program fees at its sole discretion. Unless explicitly stated otherwise, any publicly advertised price reflects the lowest available rate and may be subject to future increases. Changes in pricing shall not apply retroactively to Participants who have already completed their payment. 

2.2. Payment may be made through one of the following officially accepted methods: credit or debit card (via Stripe), bank transfer, cryptocurrency, or through approved third-party installment providers such as Klarna, or any other channels expressly supported by the Organizer. In the case of payments made in cryptocurrency, the Participant is required to provide valid and verifiable proof of transaction. 

2.3. Upon receipt of the pre-registration fee, the Participant shall be granted immediate access to the Program’s digital learning platform in accordance with the selected Package. Access shall include onboarding materials and initial educational content, which shall be deemed fully delivered and rendered upon the Participant’s ability to access such materials. Accordingly, no refunds shall be granted in respect of these components. 

2.4. The pre-registration fee grants the Participant limited-time access to the Program for an initial period of ten (10) calendar days, during which preliminary instructional content and support services shall be made available. Upon conclusion of this period, the Participant shall be required to settle the remaining balance of the Program fee in accordance with a payment structure individually agreed upon at the time of enrollment. The number, amount, and due dates of any outstanding payments shall be determined in advance and shall form an integral part of the Participant’s financial obligations under this Agreement.

2.5. Failure to make payment in accordance with the approved schedule may result in immediate suspension of access to the Program. Should any outstanding amount remain unpaid for more than ten (10) calendar days beyond its respective due date, the Organizer reserves the right to unilaterally terminate the Participant’s participation in the Program without refund or further obligation. 

2.6. The scope of access granted upon payment of the pre-registration fee shall vary by selected Package as follows: – Silver Package: access to the Participant’s personal account, Module 0 (Pre-training), and support from the Organizer’s technical assistance team; – Gold Package: access to the Participant’s personal account, Module 0 (Pre-training), and support from the Organizer’s technical assistance team; – Platinum Package: access to the Participant’s personal account, Module 0 (Pre-training), technical assistance, as well as personal support from a designated service manager and scheduled one-to-one sessions with a personal trading tracker. 

3. PROGRAM FORMAT AND DURATION

3.1. Each Program Package grants the Participant access to a structured sequence of educational modules and lessons, the volume and duration of which vary depending on the selected Package.

– The Silver Package includes nine (9) instructional modules comprising sixty-six (66) lessons, with a standard training period of nine (9) consecutive weeks.

– The Gold Package includes fifteen (15) instructional modules comprising ninety-five (95) lessons, with a standard training period of eighteen (18) consecutive weeks.

– The Platinum Package includes fifteen (15) instructional modules comprising ninety-five (95) lessons, with a standard training period of twelve (12) consecutive months.

3.2. Each module consists of professionally developed educational content covering topics such as financial planning, debt management, income generation, investment strategies (including cryptocurrency), and portfolio diversification. In addition to video and textual materials, each lesson is accompanied by practical assignments and supplementary instructional aids, including but not limited to: workbooks, checklists, summaries, and templates.

The Organizer shall retain the exclusive right to revise the structure, format, or sequence of modules and lessons where reasonably required to ensure academic integrity, maintain relevance, or enhance the overall educational value of the Program. Any such changes shall not be deemed a material alteration of the Program, provided the essential scope and learning objectives remain unaffected.

3.3. From time to time, the Program may include optional practical exercises or collaborative participation in simulated or real-life financial initiatives for educational enrichment. These activities are intended solely to support experiential learning and do not constitute financial advice or investment solicitation. Participation is entirely voluntary and undertaken at the Participant’s own initiative and discretion. 3.4. The Program shall commence on an official start date determined solely by the Organizer, which may be communicated to the Participant following confirmation of enrollment. The release of the core educational content, including but not limited to structured modules, assignments, and (where applicable) live sessions, shall follow a schedule established by the Organizer. Prior to the official commencement, the Organizer may, at its discretion, grant the Participant early access to onboarding materials or introductory components of the Program. The Organizer reserves the right to adjust the release schedule, delivery format, or sequencing of the Program content without prior notice. Such adjustments shall not constitute a breach of this Agreement and shall not serve as grounds for refund or claims of non-performance, provided that the core learning objectives of the Program are preserved. Notwithstanding the foregoing, the Organizer undertakes to ensure that the Program commences within a commercially reasonable timeframe following the Participant’s enrollment and payment, unless otherwise agreed in writing.

4. RIGHTS AND OBLIGATIONS OF THE PARTICIPANT

4.1. The Participant acknowledges that active participation is essential for the effective completion of the Program. Accordingly, the Participant agrees to (a) diligently engage with all educational content, including attending scheduled sessions, completing all required assignments, and contributing to discussions; (b) adhere to the deadlines and requirements established by the Organizer to maintain structured progress throughout the Program; (c) apply the methodologies, strategies, and recommendations provided in the Program at their own discretion and risk, without expectation of guaranteed results; (d) to make a good-faith effort to follow the guidance and assignments provided by the assigned mentor or group facilitator.

4.2. The Participant is responsible for maintaining timely and open communication with the Organizer, including but not limited to reporting any material changes in circumstances that may affect their ability to participate in the Program. Failure to communicate in a timely manner may result in limited access to certain aspects of the Program.

4.3. The Participant acknowledges that all materials, strategies, and resources provided within the Program constitute proprietary and confidential information owned exclusively by the Organizer. The Participant agrees (a) not to disclose, share, distribute, reproduce, or otherwise make available any Program content to third parties without the express written consent of the Organizer; (b) to use the materials provided strictly for personal educational purposes and not for commercial exploitation (c) that the confidentiality obligations outlined in this Agreement shall remain in force indefinitely, including after the conclusion of the Program.

4.4. The Organizer reserves the right to suspend or terminate the Participant’s access to the Program in the event of (a) failure to adhere to the required level of participation, including but not limited to systematic disregard of the recommendations, assignments, or participation guidelines provided by the assigned mentor or program team. (b) violations of the confidentiality provisions outlined in this Agreement; (c) any form of misconduct, including disruptive behavior, abuse of communication channels, or actions that negatively impact other Participants or the integrity of the Program.  Disruptive behavior includes but is not limited to harassment, misleading claims about the Program, unauthorized solicitation, and the spread of false or defamatory information that may damage the reputation of the Organizer or its representatives. The Organizer reserves the right to take necessary legal action against Participants engaging in such activities. In cases where the Participant’s access to the Program is suspended or terminated due to non-compliance, no refund or compensation shall be provided. The Organizer shall have full discretion in determining violations and enforcing appropriate measures.

4.5. The Participant acknowledges that the Program is an educational initiative and does not constitute financial, investment, or business advisory services. The Organizer makes no representations, warranties, or guarantees regarding the effectiveness, profitability, or applicability of the information provided within the Program. This includes any optional collaborative activities or group-based learning simulations that may be offered as part of the Program. The Organizer bears no responsibility for any outcomes resulting from the Participant’s voluntary engagement in such activities.

The Participant assumes full responsibility for any decisions or actions taken based on the educational content provided and agrees that the Organizer shall not be liable for any direct or indirect consequences arising from the Participant’s implementation of Program materials.

5. INTELLECTUAL PROPERTY RIGHTS

5.1. The Participant acknowledges that all materials provided within the Program, including but not limited to course content, video lectures, written materials, strategic frameworks, templates, and any other proprietary resources, constitute the exclusive intellectual property of the Organizer. The Participant is granted a limited, non-exclusive, non-transferable, and revocable license to use these materials strictly for personal educational purposes within the scope of the Program.

5.2. The Participant is expressly prohibited from copying, reproducing, distributing, modifying, sublicensing, selling, or using any Program materials for any purpose beyond their individual participation in the Program. Any unauthorized use, reproduction, or dissemination of the Organizer’s intellectual property shall constitute a material breach of this Agreement and may result in immediate termination of the Participant’s access to the Program, as well as legal action, including but not limited to claims for damages and injunctive relief.

5.3. The Participant further agrees not to create derivative works based on the Program materials or use the Organizer’s intellectual property in any manner that competes with or undermines the commercial interests of the Organizer. Any violation of this provision shall be subject to enforcement measures at the Organizer’s sole discretion, including but not limited to legal proceedings and claims for financial compensation.

5.4. The intellectual property rights provisions set forth in this Agreement shall survive the termination or expiration of the Participant’s access to the Program.

6. REFUND POLICY

6.1. The Organizer operates a strict no-refund policy due to the nature of the Program, which includes immediate access to proprietary educational materials, mentorship, networking opportunities, and exclusive content. By enrolling in the Program, the Participant acknowledges and agrees that all payments made are final and non-refundable, except as expressly stated in this Section.

6.2. Refunds will only be considered under the following exceptional circumstances:

6.2.1. In the event that the Participant is unable to continue with the Program due to a serious and documented medical condition, the Organizer may, at its sole discretion, either offer a partial refund or defer the Participant’s enrollment to a future cohort. To be considered, such medical conditions must be evidenced by a valid medical certificate or official documentation issued by a licensed healthcare provider. No other personal, professional, or external circumstances shall be deemed sufficient grounds for refund or deferral under this clause.

6.2.2. Refunds shall not be granted in cases where the Participant fails to access or engage with the Program after payment has been processed, provided that access to any part of the Program has been made available. The Participant expressly acknowledges that delivery of services under this Agreement shall be deemed to commence upon the Organizer’s confirmation of payment and activation of access credentials to the digital learning platform, regardless of the Participant’s subsequent level of use or participation. Accordingly, the absence of interaction with the Program content, platform, or associated services shall not constitute valid grounds for a refund.

6.3. Refund requests must be submitted by the Participant in writing and accompanied by all relevant supporting documentation, including but not limited to medical certificates or other materials as may be required under this Agreement. The Organizer shall review each request on a case-by-case basis, and its decision shall be final, binding, and not subject to appeal. By default, no refund shall be granted once the Organizer has granted access to the Program, provided any portion of the educational content, or otherwise initiated contact or communication with the Participant following enrollment. An exception may be considered only in the event that the Organizer has failed to activate the Participant’s access to the Program, has not provided any educational materials, and has not made any attempt to contact or engage with the Participant within a commercially reasonable period after payment. In such case, and only upon verification by the Organizer, a full refund may be processed within five (5) business days using the same payment method originally used by the Participant, unless technically impossible.

6.4. No refunds will be granted under the following circumstances:

6.4.1. The Participant has accessed course materials, attended any live or recorded sessions, or engaged in networking forums.

6.4.2. The Participant fails to complete the Program due to personal scheduling conflicts, lack of commitment, or failure to meet Program requirements.

6.4.3. The Participant is removed from the Program due to a violation of the terms outlined in this Agreement.

6.4.4. The initial prepayment, as defined in the selected Program Package, is strictly non-refundable. This payment constitutes the commencement of service delivery and grants the Participant immediate access to proprietary educational content, onboarding materials, and structured support mechanisms. Depending on the selected Package, the prepayment may also activate access to individual consultations, including but not limited to one-to-one sessions with a personal trading tracker, technical orientation, or allocation of personalized learning assistance. All such elements shall be deemed fully delivered upon access or activation, irrespective of the Participant’s subsequent level of engagement, and shall not constitute grounds for any partial or full refund.

6.5. The Organizer reserves the right to refuse refunds in cases of misuse, bad faith, or attempts to exploit the refund policy. Any refund issued, if applicable, shall be processed in accordance with the Organizer’s internal policies and applicable financial regulations.

6.6. By enrolling in the Program, the Participant confirms their understanding and acceptance of this refund policy and waives any claims for chargebacks, disputes, or reversals of payment, except where prohibited by law.

7. DISCLAIMERS AND LIMITATION OF LIABILITY

7.1. The Organizer makes no representations, warranties, or guarantees regarding any financial, investment, or professional results that may arise from participation in the Program. The Program is strictly educational in nature, and any outcomes depend solely on the Participant’s individual efforts, market conditions, and other external factors beyond the Organizer’s control.

7.2. The Organizer shall not be liable for any direct, indirect, incidental, consequential, or special damages, including but not limited to loss of income, lost investment opportunities, business interruption, or reputational harm, arising from the Participant’s participation in the Program, reliance on Program materials, or implementation of any strategies discussed within the Program.

7.3. The Participant assumes full responsibility for any decisions made based on the educational content provided. The Organizer does not provide financial, investment, tax, or legal advice, and participation in the Program does not establish any fiduciary or advisory relationship between the Organizer and the Participant.

7.4. The Organizer shall not be liable for any delay or failure to perform its obligations under this Agreement due to circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, cyber-attacks, economic disruptions, labor strikes, natural disasters, pandemics, or governmental actions.

7.5. The total aggregate liability of the Organizer under this Agreement, if any, shall in no event exceed the total amount of fees paid by the Participant for participation in the Program. This limitation applies to the fullest extent permitted by applicable law.

8. TERMINATION OF THE AGREEMENT

8.1. The Organizer reserves the right to suspend or terminate the Participant’s access to the Program under the following circumstances: (a) non-payment or failure to comply with the agreed-upon payment schedule; (b) continued failure to demonstrate engagement with the Program, including systematic disregard of guidance or consistent inactivity despite access being granted; (c) violation of confidentiality provisions or unauthorized use, reproduction, or distribution of the Organizer’s intellectual property; (d) any misconduct, disruptive behavior, or actions that negatively impact other Participants or the integrity of the Program.

8.2. In the event of termination due to the Participant’s breach of this Agreement, no refund shall be issued, and the Participant shall forfeit any remaining access to the Program.

8.3. If the Participant voluntarily withdraws from the Program for any reason, they shall not be entitled to a refund of any fees paid, nor shall they have any right to transfer their enrollment to another individual or defer participation to a future cohort, except in cases expressly provided for in Section 6.2. An exception may apply only where the selected Program Package explicitly provides for joint participation with a specified second participant and where such participation has been duly registered and confirmed by the Organizer at the time of enrollment. In such cases, substitution shall be permitted only within the originally designated participant pair and subject to the Organizer’s prior written approval.

8.4. The Organizer reserves the right to take appropriate legal action in cases of material breaches of this Agreement, including but not limited to violations of confidentiality or intellectual property rights.

8.5. Upon completion of the Program, Participants will no longer have access to the educational materials provided during the course. This restriction applies to video lessons, guides, checklists, and structured templates. Any attempt to retain, reproduce, or distribute these materials beyond the Program duration will be considered a violation of the intellectual property provisions in Section 5.

9. GOVERNING LAW AND DISPUTE RESOLUTION

This Agreement shall be governed by and construed in accordance with the laws of the Dubai International Financial Centre (DIFC), United Arab Emirates, without regard to its conflict of law rules. Any dispute, controversy, or claim arising out of or in connection with this Agreement, including its existence, validity, interpretation, performance, or termination, shall first be attempted to be resolved amicably through good-faith negotiations between the parties. If the parties are unable to reach a resolution within thirty (30) days of the initiation of negotiations, such dispute shall be finally settled by binding arbitration administered by the Dubai International Arbitration Centre (DIAC) in accordance with its rules, which are deemed to be incorporated by reference into this clause. The seat of arbitration shall be Dubai, United Arab Emirates. The arbitration shall be conducted in English by a sole arbitrator appointed in accordance with the DIAC Rules. The arbitral award shall be final and binding, and may be enforced in any court of competent jurisdiction. Nothing in this clause shall be construed to exclude or restrict any rights or remedies that may be mandatorily available to a party under the laws of their habitual residence or other applicable mandatory law.

10. FINAL PROVISIONS

10.1. This Agreement constitutes the entire agreement between the parties and supersedes all prior and contemporaneous agreements, negotiations, representations, or understandings, whether written or oral, relating to the subject matter herein. No modification, amendment, or waiver of any provision of this Agreement shall be binding unless made in writing and duly executed by both parties, except as otherwise provided herein.

10.2. The Organizer reserves the right to amend, update, or modify the terms of this Agreement at its sole discretion. Any such modifications shall become effective upon their publication on the Organizer’s official website or notification to the Participant via email. Continued participation in the Program following such modifications shall constitute the Participant’s acceptance of the revised terms.

10.3. If any provision of this Agreement is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

10.4. The Participant may not assign, delegate, or otherwise transfer any of their rights or obligations under this Agreement without the prior written consent of the Organizer. Notwithstanding the foregoing, where the selected Program Package expressly provides for joint participation by two individuals, and such joint enrollment has been properly registered and confirmed by the Organizer at the time of purchase, substitution between the designated individuals may be permitted, subject to the Organizer’s prior written approval. No other substitutions or transfers shall be permitted. The Organizer may assign or transfer its rights and obligations under this Agreement, in whole or in part, without restriction.

Contact information:

TRADING EDUCATION OÜ

Harju maakond, Tallinn, Lasnamäe linnaosa, Tähesaju tee 21-114, 13917

E-mail: info@tradingeducationou.com