TERMS AND CONDITIONS
Financial Revolution Masterclass · Parallel Rails · The Inside Track
Effective date: 1 June 2026 Last updated: 1 June 2026

Part A — General Terms (all programs)

1 About these terms
These Terms and Conditions govern your access to and use of the Financial Revolution Masterclass, Parallel Rails, and The Inside Track (each a “Program”), together with any related content, community, calls, and materials (the “Services”), provided by Saltwater Mob Consulting FZCO, a company registered in Dubai, United Arab Emirates (“we”, “us”, “our”, the “Provider”). By purchasing, registering for, or accessing any Program, you agree to these terms. If you do not agree, do not purchase or access the Services.

2 The Provider and contact
Provider: Saltwater Mob Consulting FZCO, a company registered in Dubai, United Arab Emirates. Registered address: Building A1, Dubai Digital Park, Dubai 00000, United Arab Emirates. Contact for support and legal notices: [email protected].

3 Eligibility
You must be at least 18 years old and have the legal capacity to enter a binding agreement. The Services are intended for a general adult audience and are not directed at minors.

4 What the Programs are (and are not)
The Programs are provided strictly for education and general awareness. They teach concepts, frameworks, habits, and personal-finance and digital-asset literacy. They are general information only and are not tailored to your individual circumstances. See the Disclaimers in clause 12, which are a core part of these terms.

5 Fees and payment
5.1 Fees are as displayed at the point of purchase. Prices may change from time to time, but a change will not affect a purchase already completed.
5.2 Payment is processed through third-party providers (for example Kajabi and its payment processors). By paying, you also agree to those providers’ terms. We do not store your full card details.
5.3 Payment plans (where offered). If you choose a payment plan, you authorise us to charge each scheduled instalment automatically on the scheduled dates. If a payment fails or is missed, our team will reach out to help you resolve it, and we will aim to support you where reasonably possible. If the payment remains unpaid, your access may be paused until the amount is brought up to date, and restored once it is.
5.4 All fees are payable in the currency shown at checkout and are inclusive or exclusive of taxes as indicated at checkout. You are responsible for any taxes that apply to you in your own country.

6 Refunds
6.1 All sales are final. We do not offer refunds for change of mind, for failure to use or complete a Program, or because results did not meet your expectations.
6.2 Nothing in these terms excludes, restricts or modifies any guarantee, right or remedy you have under any law that cannot lawfully be excluded — including the consumer guarantees under the Australian Consumer Law for customers to whom that law applies. Where such a guarantee applies and we fail to meet it, you are entitled to the remedies that law requires.
6.3 If you believe a Program has not been delivered substantially as described in the program description shown at the point of purchase, contact us first at [email protected] and we will work with you in good faith to put it right, for example by resolving the issue or re-supplying the relevant part.
6.4 You agree to contact us first to resolve any billing concern. Starting a chargeback or payment dispute without contacting us first, particularly after you have accessed Program content, is a breach of these terms. Where we consider a chargeback is not legitimate, we may respond to it with evidence of your agreement and access, pause or close your access, and recover any costs we reasonably incur.
6.5 If we grant a refund for any reason, your licence and access to the relevant Program end immediately, and you must stop using and delete any materials you have downloaded.

7 Subscriptions (The Inside Track)
7.1 The Inside Track is a recurring monthly membership. It renews automatically each month and is charged to your payment method until you cancel.
7.2 You may cancel at any time by giving at least 48 hours’ notice before your next billing date, through your account or by emailing us. Cancellation stops future billing. It does not refund the current or any past month, and your access continues until the end of the period you have already paid for.
7.3 Any founding or promotional rate applies as described at sign-up, and the standard rate applies after that. We will give reasonable notice of any change to the ongoing subscription price.
7.4 Cancellation takes effect once it is processed. We recommend cancelling through your account so it is immediate. If notice is not given in time and your subscription renews, that renewal is charged in the normal way and is not refundable.

8 Access and licence
8.1 On payment, we grant you a personal, non-exclusive, non-transferable, revocable licence to access the Program content for your own personal, non-commercial use.
8.2 Access duration is set out in the relevant Schedule below. Your access period starts on the date of your purchase, or, if later, the date we first give you access. Parallel Rails includes six (6) months’ access to the program materials and community from that start date. The Masterclass replay, where offered, is available for seven (7) days from release. When an access period ends, your licence ends with it.
8.3 You may not share your login, transfer your access, or allow anyone else to use your account.
8.4 We aim to keep the Services available, but we do not guarantee uninterrupted or error-free access. We may carry out maintenance, and we may update, improve, or change Program content and materials from time to time. Temporary unavailability or routine changes are not a failure to deliver and do not, on their own, entitle you to a refund.

9 Intellectual property
All content, materials, frameworks, workbooks, recordings, slides, and trademarks in the Services are owned by or licensed to the Provider. You may not copy, reproduce, republish, resell, distribute, record (unless we provide the recording), or create derivative works from any part of the Services without our prior written consent. You must not scrape, data-mine, or use any automated tool or artificial-intelligence system to copy, extract, index, reproduce, repurpose, or train on any part of the Services or the content. Your licence ends if these terms end.

10 Acceptable use, confidentiality and a safe space
In any community, group, or live setting you agree to be respectful and lawful. You must not harass, abuse, threaten, or discriminate against others; spam, solicit, or recruit members for other schemes; share others’ personal information; or post unlawful, misleading, or infringing content.
What is shared in the community stays in the community. You must not screenshot, record, repost, forward, or share any other member’s questions, stories, personal information, or contributions outside the community, in any form. This is a safe space, built on trust and confidentiality, and every member deserves respect. Breaching that trust is a serious breach of these terms.
We may remove content, and may suspend or remove any member who breaches these terms or disrupts the community, immediately and without refund.
You are responsible for what you post. Other members’ posts, comments, and contributions are their own; we do not verify or endorse them, and you rely on them at your own risk. We are not liable for anything another member says or does. By posting in the community, you grant us a non-exclusive, royalty-free licence to use, display, and reproduce your contributions for operating and promoting the Services, and you agree to indemnify us against any claim arising from what you post.

11 Live calls and sessions
Live calls, sessions, dates, and guests may change. We may reschedule a session, substitute a presenter or guest, or deliver content by recording instead, and we will give reasonable notice where we can. Where a live session cannot proceed as planned, providing a recording satisfies our obligation for that session.
Live calls and sessions may be recorded. By attending or participating, you consent to being recorded and to the Provider using those recordings (including questions, comments, and contributions you make) for delivering, improving, and promoting the Services. If you do not wish to appear, keep your camera and microphone off and do not post in shared channels.

12 Disclaimers — education only, not advice
12.1 Education and awareness only. The Services provide general educational information. They are not personalised advice and do not take account of your objectives, financial situation, or needs.
12.2 Not financial, investment, tax, legal or accounting advice. Nothing in the Services is, or should be relied on as, financial product advice, investment advice, tax advice, legal advice, or accounting advice. We are not your financial adviser, broker, accountant, or lawyer. Before acting, obtain independent, licensed professional advice suited to your circumstances.
12.3 No guarantees of results. We make no promise or guarantee of any financial return, income, profit, or specific outcome. Any examples, figures, or case studies are illustrative only and are not a prediction of your results.
12.4 Digital asset and market risk. Cryptocurrency and digital assets are volatile and high-risk. You may lose some or all of your money. Transactions can be irreversible, self-custody carries the risk of permanent loss (for example a lost seed phrase), and the regulatory and tax treatment of digital assets can change. You alone are responsible for securing your assets and meeting your obligations.
12.5 Your decisions are your own. Any decision you make after engaging with the Services is your sole responsibility. You agree that you act on your own judgement and at your own risk.

13 Guest experts and third-party opportunities
13.1 From time to time we invite guest speakers and specialists (for example in SMSF, tax, or structuring). Their views are their own and are general information only; their participation is not an endorsement, and it is not personalised advice to you.
13.2 We share education and examples of what we and our community do. This is general information and illustration only. We do not directly promote financial products to you, and nothing we or a guest shares is a recommendation, endorsement, or solicitation for you to buy, sell, or invest in anything. Any product, service, platform, project, or “opportunity” mentioned is not a recommendation. You must conduct your own due diligence and seek your own licensed professional advice. We are not responsible or liable for any third party, their conduct, or any loss arising from any third-party offer.
13.3 We may earn an affiliate or referral commission from some links we share, for example where you buy a hardware wallet such as a Ledger through our link. Where we earn a commission, we disclose it. A commission never changes our view and is never a reason for you to buy. You are free to buy elsewhere or not at all.

14 Third-party platforms
The Services rely on third-party platforms (for example Kajabi, payment processors, and messaging tools such as Telegram). Your use of those platforms is also subject to their own terms and privacy policies, and we are not responsible for their availability or conduct.

15 Privacy and data
How we collect, use, store and disclose your personal information is set out in our Privacy Policy (available on our website), which forms part of these terms. By using the Services you also agree to our Privacy Policy. You may contact us at [email protected] about your personal information.

16 Limitation of liability
16.1 To the maximum extent permitted by law, the Services are provided “as is”, and we exclude all implied warranties that can lawfully be excluded.
16.2 To the maximum extent permitted by law, we are not liable for any indirect, special, or consequential loss, or for any loss of profits, savings, data, or investment losses, however arising. Where liability cannot be excluded but can be limited, our total liability to you is limited, at our option, to resupplying the relevant Service or refunding the fees you paid for it.
16.3 Nothing in these terms limits any liability that cannot lawfully be limited, including under the Australian Consumer Law where it applies.

17 Indemnity
You agree to indemnify the Provider against any loss or claim arising from your breach of these terms, your misuse of the Services, or your breach of any law or third-party right.

18 Suspension and termination
We may suspend or terminate your access if you breach these terms, fail to pay, or misuse the Services. On termination your licence ends. Clauses that by their nature should survive (including IP, disclaimers, liability, and indemnity) continue to apply.

19 Changes to these terms
We may update these terms from time to time. The current version will be posted with an updated date, and continued use of the Services after a change means you accept the updated terms.

20 Governing law and disputes
These terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of New South Wales. This does not remove any non-excludable rights you have as a consumer under the law of your own country, including the Australian Consumer Law where it applies. The parties will attempt to resolve any dispute in good faith before commencing proceedings.

21 General
If any provision is found unenforceable, the rest continues to apply. These terms, together with the program description shown at the point of purchase, are the entire agreement between you and us about the Services, and they prevail over any general marketing, social media, or promotional statements. Our failure to enforce a term is not a waiver of it. Neither party is liable for any delay or failure caused by events beyond its reasonable control. You may not assign your rights without our consent; we may assign ours.

22 Contact
Questions about these terms: [email protected].

Part B — Program Schedules
Schedule A — Financial Revolution Masterclass
• A paid, live online educational masterclass, with an optional VIP implementation add-on, as described at checkout.
• A replay may be made available for seven (7) days from release, after which access closes.
• Any cash giveaway, bonus, or competition run in connection with the Masterclass is subject to its own separately stated rules and any applicable laws.
• Education and awareness only; no financial advice; no refunds for change of mind (Part A clauses 4, 6 and 12 apply).
Schedule B — Parallel Rails
• A 12-week educational program delivered in weekly modules with weekly actions, one live group call per month, accountability pods, and a community, as described at checkout.
• Offered in tiers (for example Self-Study, Live Cohort, and VIP). Inclusions, and any 1:1 or group calls, are as described for the tier you purchase. Access to the program materials and community is for six (6) months from your start date (clause 8.2).
• Payment plans are available on some tiers and are subject to clause 5.3. Live calls are recorded under clause 11.
• Education and awareness only; not financial, tax or legal advice; digital-asset risk applies; no refunds for change of mind (Part A clauses 4, 6, 12 and 13 apply).
Schedule C — The Inside Track
• A recurring monthly membership community hosted on Kajabi, with monthly themes set by member needs, a monthly live call, and periodic guest “pop-up” calls with invited specialists.
• Billed monthly and renews automatically until cancelled (clause 7). Founding/promotional pricing applies as described at sign-up.
• Guest speakers and any opportunities mentioned are general information only and are not endorsed or recommended (clause 13). Members must do their own due diligence and seek licensed advice.
• Education, community and awareness only; not financial advice; no refunds for past or current months on cancellation (Part A clauses 4, 6, 7, 12 and 13 apply).

End of Terms and Conditions.