OF PARTICIPATION IN THE MONEY MATTERS: WEALTH-BUILDING SYSTEM PROGRAM
Last updated: 31 July 2026
This document constitutes a legally binding public offer (the "Agreement") issued by Financial Education Limited, an exempted company with limited liability duly incorporated and existing under the laws of the Cayman Islands, with its registered office at c/o Vistra (Cayman) Limited, 802 West Bay Road, Hibiscus Way, Grand Pavilion, Grand Cayman, KY1-1205, Cayman Islands (the "Company" or the "Organizer"). This Agreement governs the participation of any legally capable individual of full legal age (the "Participant") in the Company's financial education program "MONEY MATTERS: WEALTH-BUILDING SYSTEM" (the "Program"), delivered via https://tradingeducationou.com. Acceptance of this Agreement is deemed to occur upon completion of the requisite payment for Program participation.
1. Subject of the Agreement
1.1. This Agreement sets out the terms under which the Organizer provides access to the Program through three packages: Silver, Gold, and Platinum. The Program is an educational initiative designed to enhance Participants' financial literacy, decision-making frameworks, and market-navigation competencies.
2. Acceptance of Offer and Payment Terms
2.1. This Agreement becomes binding upon successful payment (full payment, pre-registration payment, or an approved payment schedule). Prices may vary by timing or promotions; the Organizer may adjust fees at its discretion. The publicly advertised price reflects the lowest available rate and may increase, without retroactive effect on Participants who have already paid.
2.2. Accepted payment methods: credit/debit card (via Stripe), bank transfer, cryptocurrency (subject to proof of transaction), Klarna installment plans, or any other channel expressly approved by the Organizer.
2.3. Where a pre-registration fee is paid, it grants immediate access to the corresponding Package; onboarding materials and initial content are deemed delivered upon the Participant's ability to access them, and are accordingly non-refundable once delivered.
2.4. A pre-registration fee grants limited access for an initial 10-day period, after which the remaining balance is due per the agreed payment schedule.
2.5. Failure to pay per the agreed schedule may result in suspension of access; access unpaid for more than 10 days past due may be terminated by the Organizer without refund.
2.6. Access scope by package: Silver — personal account access, Module 0, and technical support. Gold — the same access as Silver. Platinum — the same access as Gold, plus a personal service manager and one-to-one sessions with a personal trading tracker.
3. Program Format and Duration
3.1. Silver: 9 modules, 66 lessons, delivered over 9 weeks. Gold: 15 modules, 95 lessons, delivered over 18 weeks. Platinum: 15 modules, 95 lessons, with platform access for 12 months.
3.2. Modules cover financial planning, debt management, income generation, investment strategies (including cryptocurrency), and portfolio diversification, delivered via video and text content together with assignments, workbooks, checklists, and templates. The Organizer may revise the module structure without this constituting a material change to the Agreement.
3.3. Optional practical exercises, including simulated or real-life financial initiatives, may be offered for educational enrichment. These are voluntary, for illustrative and educational purposes only, and do not constitute financial advice or investment solicitation.
3.4. The Program start date is set by the Organizer; early onboarding access may be provided. The Organizer may adjust the schedule or delivery format without prior notice, and such adjustments do not constitute grounds for a refund provided the Program's core objectives are preserved. The Organizer undertakes to commence the Program within a commercially reasonable timeframe.
4. Rights and Obligations of the Participant
4.1. The Participant agrees to actively engage with the Program (attending sessions, completing assignments, participating in discussions), meet Program deadlines, and apply the methods taught at their own discretion and risk, without expectation of guaranteed results, making good-faith efforts to follow the guidance of assigned mentors or facilitators.
4.2. The Participant is responsible for the timely communication of any material change in circumstances affecting their participation; failure to do so may limit their access to the Program.
4.3. All Program materials are the proprietary and confidential property of the Organizer. The Participant agrees not to disclose or distribute such materials to third parties and to use them strictly for personal educational purposes; this obligation survives the conclusion of the Program indefinitely.
4.4. The Organizer may suspend or terminate access for: inadequate participation or disregard of guidance; violation of confidentiality provisions; or misconduct (including harassment, misleading claims about the Program, unauthorized solicitation, or the spread of false or defamatory information), with legal action reserved where warranted.
4.5. The Program is educational only and does not constitute a financial, investment, or business advisory relationship. The Organizer makes no representations, warranties, or guarantees of any outcome, including in relation to optional collaborative activities. The Participant bears full responsibility for any decisions or actions taken based on Program content.
5. Intellectual Property Rights
5.1. All Program materials are the exclusive intellectual property of the Organizer. The Participant receives a limited, non-exclusive, non-transferable, revocable license for personal educational use only.
5.2. The Participant may not copy, reproduce, distribute, modify, sublicense, sell, or otherwise use Program materials beyond their individual participation. A breach of this provision may result in termination of access and legal action, including for damages or injunctive relief.
5.3. The Participant agrees not to create derivative works from Program materials or use them in any manner that competes with the Organizer's commercial interests; enforcement of this provision is at the Organizer's discretion.
5.4. These intellectual property provisions survive the termination or expiration of the Participant's access.
6. Refund Policy
6.1. The Organizer operates a strict no-refund policy, reflecting the immediate access granted to proprietary materials, mentorship, networking opportunities, and exclusive content upon payment. All payments are final except as expressly stated below.
6.2. A refund is considered only in the case of a serious, documented medical condition preventing continued participation (a valid medical certificate is required), at the Organizer's sole discretion, in the form of a partial refund or deferral to a future cohort. No other circumstance qualifies for a refund. No refund applies for non-engagement where access was made available; delivery is deemed to commence upon payment confirmation and access activation, regardless of the Participant's subsequent use.
6.3. Refund requests must be submitted in writing together with supporting documentation. The Organizer's decision is final and binding. By default, no refund is granted once access, content, or contact has been initiated, except where the Organizer failed to activate access, provide materials, or attempt contact within a commercially reasonable period after payment — in which case a full refund may be issued within 5 business days via the original payment method.
6.4. No refund applies where: the Participant has accessed materials, attended sessions, or engaged in forums; the Participant failed to complete the Program due to their own scheduling or commitment issues; the Participant was removed for violating this Agreement; or in respect of the non-refundable initial pre-registration payment, which is deemed to cover content access, onboarding, individual consultations (including personal trading tracker sessions), technical orientation, and personalized assistance, regardless of subsequent engagement.
6.5. The Organizer may refuse a refund in cases of misuse, bad faith, or attempts to exploit this policy.
6.6. By enrolling, the Participant waives any right to chargebacks, disputes, or payment reversals, 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 outcomes from Program participation; outcomes depend on the Participant's own efforts, market conditions, and other factors beyond the Organizer's control.
7.2. The Organizer is not liable for direct, indirect, incidental, consequential, or special damages — including lost income, lost investment opportunities, business interruption, or reputational harm — arising from participation, reliance on materials, or the implementation of any strategies discussed.
7.3. The Participant is solely responsible for their own decisions. The Program does not constitute financial, investment, tax, or legal advice, and no fiduciary or advisory relationship is created between the Participant and the Organizer.
7.4. The Organizer is not liable for delays or failures arising from circumstances beyond its reasonable control, including acts of God, war, terrorism, cyberattacks, economic disruption, strikes, natural disasters, pandemics, or government actions.
7.5. The Organizer's aggregate liability under this Agreement is capped at the total fees paid by the Participant.
8. Termination of the Agreement
8.1. The Organizer may suspend or terminate access on grounds of: non-payment; sustained non-engagement; confidentiality or intellectual property violations; or misconduct.
8.2. Termination for breach results in no refund and forfeiture of remaining access.
8.3. Voluntary withdrawal does not entitle the Participant to a refund, transfer to another individual, or deferral, except as provided under Section 6.2 or in the case of an approved pre-registered joint-participation substitution.
8.4. The Organizer reserves the right to pursue legal action for material breaches, including violations of confidentiality or intellectual property provisions.
8.5. Upon completion of the Program, the Participant's access to materials (including videos, guides, checklists, and templates) ends; retention, reproduction, or distribution of such materials thereafter constitutes a violation of Section 5.
9. Governing Law and Dispute Resolution
This Agreement is governed by the laws of the Dubai International Financial Centre (DIFC), United Arab Emirates. Disputes shall first be addressed through good-faith negotiation for a period of 30 days; unresolved disputes shall be settled by binding arbitration in accordance with the rules of the Dubai International Arbitration Centre (DIAC Rules), seated in Dubai, conducted in the English language before a sole arbitrator appointed per the DIAC Rules. The arbitral award shall be final, binding, and enforceable. Mandatory rights available to the Participant under their home jurisdiction's law are preserved where applicable.
10. Final Provisions
10.1. This Agreement constitutes the entire agreement between the parties on this subject matter; amendments require written mutual execution except as otherwise provided herein.
10.2. The Organizer may amend these Terms at its discretion; changes take effect upon publication on the Site or notice by email; continued participation constitutes acceptance of the amended Terms.
10.3. If any provision of this Agreement is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.
10.4. The Participant may not assign or transfer their rights or obligations under this Agreement without the Organizer's prior written consent, except in the case of an approved pre-registered joint-participation substitution; the Organizer may assign or transfer its rights and obligations freely.
Contact Information
Financial Education Limited
Registration code: OI-431648
Address: c/o Vistra (Cayman) Limited, 802 West Bay Road, Hibiscus Way, Grand Pavilion, Grand Cayman, KY1-1205, Cayman Islands