Mastering the Markets – Terms and Conditions

Last Updated: 19 November 2025

These Terms and Conditions (“Terms”) govern your use of our Website located at https://masteringthemarkets.com (including its subdomains and content therein) (“Website”), our educational courses (“Course(s)”), and form a binding contractual agreement between you, the user of the Website and Courses, and Mastering the Markets Pty Ltd ACN 671 639 704 (“we”, “us”, “our”, “Mastering the Markets”).

The Terms should be read in conjunction with our Privacy Policy. Please read them carefully and keep a copy for your records.

We may update these Terms from time to time. If we make material changes that negatively affect your existing rights or obligations, we will give reasonable notice (e.g., email and/or a prominent Website notice) before the change takes effect. If you do not agree to the updated Terms, you may stop using the Website and (where you have an active Course or subscription) cancel prior to the effective date; we will honour the Terms that applied when you purchased for the remainder of your current Course term or prepaid billing period (subject to the ACL). Your continued use after the effective date indicates acceptance of the updated Terms.

1. Licence to Use Site

1.1 We grant you a non‑exclusive, worldwide, non‑transferable licence to use the Website and Courses in accordance with these Terms.

1.2 You acknowledge that: (a) we retain editorial control over the Website and Courses; (b) access may be unavailable from time to time (including for maintenance); and (c) we may discontinue or change features from time to time. Nothing in this clause limits your rights under the Australian Consumer Law (ACL).

2. Terms of Use

2.1 By using our Website and Courses, you agree to these Terms and will comply with them. Do not use our Website and Courses if you do not agree with all of these Terms.

2.2 When you visit our Website or correspond with us electronically (e.g., by email, social channels, or in our community spaces), you agree that such communications satisfy any requirement that notices be provided in writing.

2.3 You agree that: (a) you will not use our Website/Courses unlawfully, in breach of these Terms or our Privacy Policy, or in a way that infringes others’ rights or restricts their use; (b) you will pay all charges and fees connected to your use; (c) information you provide is true, accurate and up to date; and (d) you will not use the Website to transmit or host harmful code (e.g., viruses, worms, trojans).

2.4 MtM Academy conduct: All users must engage respectfully, constructively and without harassment, hate speech, spam or disruptive behaviour. Breaches may result in warnings, suspension or termination under clause 14.

3. Linked Websites

3.1 Our Website may contain links to other websites for convenience only and they may not remain current or maintained.

3.2 We are not responsible for the content or privacy practices of linked websites.

3.3 Links do not constitute our endorsement, approval or recommendation unless expressly stated.

4. Links to Our Website

4.1 You may link to public pages on our Website in a fair and lawful manner that does not damage our reputation or suggest approval or endorsement.

4.2 You must not frame our Website or link to it in a misleading way. We may withdraw linking permission at any time.

5. Accessing Our Website

5.1 We do not guarantee that our Website or Courses (or their content) will always be accessible. Access may be withdrawn, suspended or changed without notice.

5.2 We are not liable for your inability to access the Website/Courses or for changes to them. This does not limit any non‑excludable rights under the ACL.

6. Course Information

6.1 You may register an account and enrol through our Website or, if approved, via our Accounts team. Personal information is handled per our Privacy Policy.

6.2 You must be at least 18 years old to enrol. You warrant that you are 18+, will keep your details current, are responsible for activity on your account/devices, and will promptly notify us of unauthorised access.

6.3 As part of registration or continued use, you may be required to provide your full name, email, company (if applicable), mailing address and telephone number.

6.4 Course Census Date

6.4.1 Definition — Each Course includes a Census Date, which is 14 calendar days after the official Course start date, unless a different period is specified on your enrolment page or in your enrolment confirmation.

6.4.2 Purpose — The Census Date is the final day you may change, defer, or cancel your enrolment without financial penalty, in accordance with Section 7 (Pricing, Payment and Refunds).

6.4.3 Changes to Start Dates — If your Course start date changes, the Census Date will automatically move to remain 14 days after the new start date.

6.4.4 Notification — Your Census Date will be stated at enrolment and confirmed again in your Course Welcome email. We may also send reminder notices as a courtesy.

6.5 We may approve or reject any enrolment at our discretion.

6.6 Enrolment is not complete until payment is made in full (or the first instalment under a payment plan is received).

6.7 Once enrolled, you will have access to Course materials via the student portal for your enrolled term. After Course completion, you will retain access to materials for a period equal to the Course length.

6.8 Live sessions are delivered in English and scheduled in Australian Eastern Time (AET, which may be AEST or AEDT). Recordings are available for later viewing.

6.9 Up to and including the Census Date, you may change Course/cohort (subject to availability), defer to the same/next available Course, or cancel without financial penalty, or receive a refund less any cost‑reflective Processing Fee (see Section 7).

6.10 After the Census Date, Course fees remain payable in full (including any payment plan amounts), because a limited place was reserved for you—subject to your ACL rights.

6.11 Deferrals and changes must be approved in writing at our discretion.

6.12 We may limit, suspend or terminate accounts in breach of these Terms or for other lawful reasons, and may cancel unconfirmed/unused accounts.

6.13 Courses are live, scheduled programs and not designed for self‑paced learning. All modules and assignments must be completed by the end of your last enrolled term.

6.14 Complimentary Course Access — After Course completion, you receive access to materials and recordings from your Course for a period equal to the Course length.

6.15 Extension Access — If you need longer, extension access is available at AUD $250/month during your Complimentary Course Access window (maximum varies by Course: MtM12 up to 3 months; MtM101 up to 1 month).

6.16 To request Extension Access, email support@masteringthemarkets.com during your Complimentary Course Access period.

6.17 Complimentary/Extension Access covers Course materials and recorded sessions from your Course only. It does not include MtM Academy access.

6.18 Student Academy Access (Included with Course Enrolment) — Students enrolled in any MtM Course receive student access to MtM Academy for the duration of their Course plus 14 days after completion (“Student Access Period”). Student access is a Course feature, not a standalone subscription. Access ends automatically at the end of the Student Access Period unless you subscribe as a paid Academy Member. Student Academy access is not eligible for refunds, credits or pro‑rata calculations. Students who cancel/withdraw lose access immediately and may incur charges per clause 7.14.

6.19 Transition from Student Access to Paid Subscription — After the Student Access Period, continued Academy access requires a paid Academy Membership. See clauses 6.20 and 7.13–7.23.

6.20 Paid MtM Academy Subscription (Members) — MtM Academy Membership is a standalone, self‑managed, month‑to‑month subscription. Users may subscribe/cancel anytime via account settings. Cancellations take effect at the end of the current paid billing period. No refunds, pro‑rata credits or partial‑month adjustments are provided. Once charged, access continues until the next billing date. You must keep your payment method valid and up to date.

7. Pricing, Payment and Refunds

7.1 All pricing is in Australian dollars and includes Goods and Services Tax (GST).

7.2 If a pricing error or unforeseen increase is identified before processing payment, we will inform you. You may (a) confirm enrolment at the correct price; or (b) cancel and receive a refund of amounts paid for that Course (including any Processing Fees if the error is ours).

7.3 We may vary fees and charges prospectively at any time. This does not affect amounts already paid.

7.4 Payment Methods — We accept payment via Stripe. Other methods may be accepted at our discretion; contact us to request.

7.5 Course Payment — All Course fees must be paid in full before Course completion.

7.6 One‑off Payments — Courses may be paid in full at enrolment.

7.7 Payment Plans — (a) Fees ≤ AUD $5,000 incl. GST: two instalments—50% at enrolment and 50% four weeks later. (b) Fees > AUD $5,000 incl. GST: nine instalments—25% at enrolment and eight equal monthly payments. (c) A 10% administrative uplift applies to payment plans and is spread across instalments; disclosed at checkout before you commit.

7.8 We’ll send a reminder one week before each instalment. If an instalment fails, Stripe retries after 1 day and again after 3 days.

7.9 If payment remains outstanding after 7 days, access may be suspended until paid. Before referring an amount to collections, we will give at least 7 days’ written notice to remedy. For assistance, contact support@masteringthemarkets.com.

7.10 To reinstate access after suspension, you must bring the plan current or agree a new plan with us and pay the first amount due under that plan.

7.11 Access Suspension Process — If payment is not received within 7 days of arranging a catch‑up payment, your access may be suspended and outstanding balances may be referred to collections.

7.12 MtM Academy Free Access & Trial Policy — Each non‑paying member is entitled to one MtM Academy free access or trial offer per calendar year. To be eligible, you must not have held a paid MtM Academy subscription within the previous 12 months. Duplicate/ineligible trials may be cancelled or converted to paid at the current rate. A valid payment method may be required to start a trial. Unless cancelled before expiry, the subscription renews automatically at the current monthly rate. Trials are non‑transferable and may not be combined with other offers.

7.13 Academy Subscription Fees — MtM Academy offers three membership tiers: Free (limited community access and selected resources); Silver (AUD $99/month: additional educational materials, live community calls, member‑only resources); Gold (AUD $249/month: full access, advanced materials, premium live events/sessions). All paid memberships are billed monthly via Stripe. Prices include GST and may be updated prospectively; changes do not affect previously paid periods.

7.14 Student Access and Cancellation Costs — If a student cancels their Course enrolment, a daily pro‑rata charge applies for Academy access from the date the Academy account was created to the effective cancellation date, plus a $10 processing fee.

7.15 Paid Academy Subscription – No Refund Policy — Once subscribed as a paying member, the membership is non‑refundable: no refunds for change of mind, unused time, partial months, pro‑rata adjustments or back‑dated cancellations.

7.16 Paid Subscription Cancellation — Users must cancel through account settings. Cancellation takes effect at the end of the current paid billing cycle. Failure to cancel before the billing date will result in the next month’s charge being processed.

7.17 Access After Cancellation — When the billing cycle ends, access is removed automatically. Users may re‑subscribe at any time by reactivating their membership.

7.18 Refunds Not Available for MtM Academy — Refunds are not available for MtM Academy once a user creates an Academy account and/or begins using Academy services, whether as a student or paid member.

7.19 Course Refunds by Census Date — Change‑of‑mind refunds are available until the Census Date. Requests must be submitted in writing by that date. Refunds are issued less a cost‑reflective Processing Fee (e.g., non‑recoverable Stripe fees and reasonable admin). After the Census Date, change‑of‑mind refunds are not available; this does not limit your ACL rights if services are faulty, not fit for purpose, or not delivered with due care and skill.

7.20 Payment Plans After Census Date — If you are on a payment plan and the Census Date has passed, no change‑of‑mind refunds will be issued and you remain responsible for all remaining Course fee payments unless otherwise agreed in writing.

7.21 Final Sale Policy — All sales are final after the Census Date for change‑of‑mind reasons (including dissatisfaction, change of mind, or lack of trading success).

7.22 Access Suspension — If you default on payment, access may be suspended until a payment arrangement is made and the first payment is received. If an arrangement is made and payment is not received within seven (7) days, your access may be suspended and any outstanding balance forwarded to a debt collector.

7.23 Payment Contact Information — For payment questions or concerns, contact our Accounts team at accounts@masteringthemarkets.com.

8. Intellectual Property Rights

8.1 The content on the Website and in our Courses is protected by applicable laws (including copyright and trade marks).

8.2 Unless stated otherwise (and excluding third‑party content), all intellectual property in the Website/Courses (including brand features, designs, images, text, graphics, software and Course/community materials) is owned or controlled by Mastering the Markets, its related entities, affiliates, licensors and licensees.

8.3 You have no proprietary interest in the Website, Courses or Content, and these Terms do not transfer any ownership rights.

8.4 If you breach this clause, we may terminate access and require destruction/return of Content, and you agree to indemnify us for loss suffered due to your breach.

9. Collection of Personal Information and Privacy

9.1 We collect personal information for the purposes described in our Privacy Policy.

9.2 We will only use, disclose or handle your personal information in accordance with our Privacy Policy. By using the Website/Courses, you agree to the Privacy Policy.

9.3 Please refer to our Privacy Policy to understand what we collect and how we use it.

10. SMS Messaging

10.0 Compliance — We send marketing SMS/MMS only in accordance with the Spam Act 2003 (Cth) and our Privacy Policy. Each message will identify Mastering the Markets and include a functional opt‑out (e.g., reply “STOP” or use the included link).

10.1 When you opt in to SMS, we will send a message to confirm your signup.

10.2 By opting in, you agree to receive recurring automated marketing and informational text messages to your nominated number.

10.3 Message frequency varies. We may alter frequency or sender details (short code/number/sender ID).

10.4 Standard carrier rates apply. Your carrier is not liable for delayed or undelivered messages.

10.5 Your consent to receive marketing messages is not a condition of purchase.

10.6 Carriers are not liable for delayed or undelivered messages.

10.7 You can unsubscribe by replying STOP or using an included link. We will confirm your unsubscribe. To receive messages again, opt in as before.

10.8 For support, email support@masteringthemarkets.com or text “HELP” if supported in your region.

10.9 Before changing/transferring your mobile number, unsubscribe first or notify us at support@masteringthemarkets.com so we can update records.

10.10 We may change or terminate our messaging program at any time. Updates take effect on posting. If you do not agree, unsubscribe. Continued enrolment indicates acceptance.

11. Australian Consumer Law Consumer Guarantees

11.1 The ACL sets out statutory guarantees that apply to certain goods and services and cannot be excluded.

11.2 These Terms are deemed to include all consumer guarantees to which you are entitled under Schedule 2 of the Competition and Consumer Act 2010 (Cth).

12. Disclaimer and Liability

12.1 We do not guarantee that use of the Website will be uninterrupted or error‑free; you use it at your own risk.

12.2 Course information is for educational purposes only and does not constitute financial advice; decisions you make are your responsibility.

12.3 We do not warrant the accuracy of information and recommend you seek professional advice. We are not liable for loss arising from reliance on Website or Course content.

12.4 We do not guarantee financial success or specific results from completing our Courses.

12.5 We are not responsible for missed emails/notifications (e.g., missed classes due to not checking timetables or updates).

12.6 To the full extent permitted by law, we exclude all representations, warranties or terms (express or implied) other than those expressly set out in these Terms.

12.7 To the full extent permitted by law, we will not be liable in contract, tort (including negligence) or otherwise for any indirect, special, consequential or punitive loss or damages (including loss of use, data or profits).

12.8 These Terms are subject to legislation that prohibits restricting non‑excludable guarantees. Where such legislation applies, to the extent possible we limit our liability (for services) to: (a) resupplying the services; or (b) paying the cost of resupplying the services.

12.9 To the extent permitted by law, and excluding non‑excludable ACL liability, our aggregate liability for services supplied under these Terms is limited to the amount you paid for the affected services or, at our option, resupplying the services.

13. Indemnity

13.1 You agree to indemnify us and hold us harmless from third‑party claims and reasonable legal costs arising from your breach of these Terms or misuse of the Website/Courses.

13.2 Our rights at law, including the right to be indemnified under this clause 13, are not affected by: (a) termination of these Terms for any reason; or (b) any other fact, matter or thing.

14. Termination

14.1 These Terms terminate automatically if we cease operating the Website and/or Courses; we will refund any prepaid amounts for undelivered services, in addition to any ACL remedies.

14.2 We may suspend or terminate your access without notice if you violate these Terms or engage in unlawful/inappropriate behaviour.

14.3 MtM Academy: Two warnings may be given for inappropriate behaviour; a third offence may result in removal from community spaces and termination of Course access. Severe misconduct (e.g., hate speech, threats) may result in immediate removal/termination.

14.4 In the case of termination under 14.2 or 14.3, no refund of Course fees is provided and any outstanding fees become immediately payable.

15. General

15.1 You must not assign, sublicense or otherwise deal with your rights under these Terms without our consent. We may assign on notice provided the assignee assumes our obligations.

15.2 If any provision is invalid or unenforceable, it is read down or severed to the extent necessary without affecting the remaining provisions.

15.3 These Terms are governed by the laws of Queensland, Australia. Each party submits to the jurisdiction of the courts of Queensland, Australia.

16. Enquiries and Feedback

16.1 We welcome enquiries and feedback. Contact us at support@masteringthemarkets.com.

16.2 We strive to address enquiries promptly and appreciate feedback that helps us improve.

16.3 By submitting enquiries or feedback, you agree we may use and disclose such information to respond or improve our services, in accordance with our Privacy Policy.

16.4 We may not be able to respond to all submissions individually.