Last Updated: 20 October 2026
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). By continuing to access or use the Website, Courses, MtM Academy or any of our products or services after the effective date of the updated Terms, you agree to be bound by those 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.
2.5 Account Security and Login Credentials
You are responsible for maintaining the confidentiality and security of your account login credentials, including your username and password.
You must not share, transfer, disclose or permit any other person to use your account or login credentials.
Each Website, Course and MtM Academy account is licensed to one individual only. You must not allow another person, including a partner, family member, friend, business or other third party, to access or use your account.
You are responsible for all activity that occurs under your account. If you believe your account has been accessed without your authorisation, you must notify Mastering the Markets immediately.
Mastering the Markets reserves the right to suspend, restrict or terminate accounts where it reasonably believes login credentials have been shared or an account is being accessed by multiple users in breach of these Terms.
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. We may withdraw, suspend, restrict, modify or discontinue access to any part of the Website, Courses or MtM Academy at any time where reasonably necessary for maintenance, security, operational requirements, legal compliance, fraud prevention, business protection or any other legitimate business reason.
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.
The Census Date is the final day students may request a change-of-mind refund, cancellation, deferral or change of Course without financial penalty, in accordance with these Terms.
The Census Date is separate from any promotional Course Upgrade Deadline. The availability of promotional upgrade pricing does not extend or reinstate the Census Date.
6.4.2 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.
6.4.3 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 Enrolment Approval
Mastering the Markets reserves the right to approve, decline or cancel an enrolment where reasonably necessary for eligibility, capacity, payment, compliance, operational or other legitimate business reasons.
Where Mastering the Markets cancels an enrolment for reasons unrelated to a student’s breach of these Terms, any refund or alternative arrangement will be determined having regard to the services already provided, the reason for cancellation and the student’s rights under the Australian Consumer Law.
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.
Mastering the Markets reserves the right to update, amend, replace, remove or reorganise Course materials, recordings, resources, assessments and educational content at any time to reflect changes in markets, technology, educational outcomes or business requirements. Such updates do not entitle a student to a refund, credit, transfer, extension or compensation.
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 Changes Before Census Date
Up to and including the Census Date, students may request to change Course or cohort, defer to the same or next available Course, or cancel their enrolment.
Course and cohort changes or deferrals are subject to availability and confirmation by Mastering the Markets.
Where a student cancels within the Census Date, a refund will be provided less any reasonable, disclosed and cost-reflective Processing Fee permitted under these Terms and applicable law.
6.10 Obligations After Census Date
After the Census Date, students are not entitled to cancel their Course enrolment or receive a refund solely due to a change of mind, inability to attend scheduled sessions, failure to complete Course requirements or dissatisfaction with trading or investment outcomes.
Students remain responsible for their agreed Course fees, including outstanding payment plan instalments, unless otherwise agreed in writing or required by applicable law.
Nothing in this clause limits any rights or remedies available under the Australian Consumer Law.
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 including suspected fraud, chargebacks, payment disputes, unauthorised account sharing, misuse of intellectual property, disruptive behaviour, reputational harm, security concerns or business protection reasons.
6.13 Course Delivery
6.13.1 General Course Delivery
Mastering the Markets Courses are live, scheduled educational programs and are not designed for self-paced learning.
Students are responsible for attending scheduled sessions, completing Course requirements and submitting assessments within their enrolled term.
Mastering the Markets may reasonably amend, reschedule, substitute or adjust live sessions, recordings, educators, teaching arrangements, timetables and learning activities where required for operational, educational, availability or business reasons.
Where reasonably practicable, Mastering the Markets will provide suitable alternative sessions, recordings, educators or educational resources to maintain the overall Course experience and learning outcomes.
Minor or reasonable operational changes do not automatically entitle students to refunds, credits, extensions or compensation.
Where a change materially affects the services purchased, Mastering the Markets will consider appropriate alternative arrangements or remedies in accordance with applicable law.
Nothing in this clause limits any rights or remedies available under the Australian Consumer Law.
6.13.2 Course Delivery, Educator and Timetable Allocation
Enrolment is into the Course offered by Mastering the Markets and does not guarantee instruction by any particular educator, mentor, presenter, facilitator, class, cohort or timetable unless expressly stated in the student’s enrolment agreement.
Mastering the Markets reserves the right to determine and reasonably modify educator allocations, mentor groups, class structures, timetables, session durations, delivery methods and educational support arrangements.
Course delivery may involve educators, mentors, interns, moderators, ambassadors, guest presenters, teaching assistants or other appropriately allocated support personnel.
Students acknowledge that educators, class allocations, session schedules and delivery arrangements may vary between Course intakes and cohorts.
Mastering the Markets will take reasonable steps to ensure that changes do not materially diminish the overall educational services or learning outcomes represented at enrolment.
Students are not entitled to request a change of educator, class, mentor, cohort or timetable unless expressly approved by Mastering the Markets.
Reasonable changes to delivery arrangements do not automatically entitle students to a refund, credit, transfer, extension or compensation.
Where a material change results in a failure to meet applicable consumer guarantees, the student’s rights and remedies under the Australian Consumer Law will apply.
Unless otherwise expressly stated, students will only receive access to the recordings, materials and live sessions associated with their allocated Course, educator, class or cohort.
6.13.3 Class Selection, Allocation and Capacity
Where students are invited to select or nominate a preference between available classes, cohorts, timetables or delivery streams, Mastering the Markets may determine the applicable selection process, selection period, class capacities and allocation methodology.
Class places may be allocated on a first-come, first-served basis where this is communicated to students. All class selections are subject to availability and a student’s preferred class, timetable or delivery stream is not guaranteed until their selection has been successfully submitted and confirmed.
Mastering the Markets may set reasonable capacity limits for individual classes, cohorts, timetables or delivery streams having regard to student numbers, educator availability, educational outcomes and operational requirements. Once a class or delivery option reaches capacity, that option may be closed to further selections.
Where a student’s preferred class or timetable is no longer available, the student may be required to select or be allocated to another available class, timetable, cohort or delivery stream.
Once a class allocation has been confirmed, students are not entitled to transfer between classes, cohorts, timetables or delivery streams unless expressly approved by Mastering the Markets.
Students are responsible for submitting any class selection or preference within the selection period communicated by Mastering the Markets. Where a student does not submit a selection within that period, Mastering the Markets may allocate the student to an available class, cohort, timetable or delivery stream.
Where a student is unable to attend a scheduled live session associated with their allocated class or timetable, recordings of their allocated class will be available for later viewing.
Nothing in this clause limits any rights or remedies available to students under the Australian Consumer Law.
6.13.4 Elective Selection and Availability
Where a Course includes electives, Mastering the Markets determines which electives are offered for each intake based on student demand, minimum enrolment numbers, educator availability and operational requirements.
Not all advertised electives are guaranteed to be available in every Course intake. Mastering the Markets reserves the right to add, remove, combine, replace or discontinue elective offerings.
Students will be provided with a selection of available electives for their intake. Elective preferences are subject to availability and capacity, and placement in a preferred elective is not guaranteed.
6.13.5 Elective Changes
Students acknowledge that elective availability may vary between Course intakes and that enrolment does not guarantee access to any particular elective unless expressly confirmed in writing.
Where an elective is unavailable or discontinued, students will be offered an alternative elective within their Course.
The unavailability of a preferred elective, or changes to the elective options offered, do not of themselves constitute grounds for a refund, credit, deferral, transfer or compensation.
6.13.6 Minimum Enrolments
Mastering the Markets reserves the right to cancel, combine or reschedule a Course, elective, class, cohort or delivery stream where minimum enrolment numbers are not achieved.
Where an elective, class or delivery stream is unavailable, students may be allocated to a suitable alternative within their enrolled Course.
Where an entire Course is cancelled, students may elect to transfer to an alternative Course or intake, or receive a refund of fees paid for services not provided, in accordance with applicable law.
6.13.7 Tutoring and Study Support Sessions
Tutoring sessions, study groups, revision sessions and other supplementary educational support are provided as additional learning resources and do not form part of the core Course delivery or the essential services included with your Course enrolment.
While Mastering the Markets aims to provide these sessions as scheduled, there may be occasions where a tutoring or study support session is cancelled, rescheduled, substituted or unavailable due to educator availability, illness, annual leave, public holidays, live events, operational requirements, technical issues, force majeure events or other reasonable business circumstances.
Tutoring sessions, study groups and other supplementary educational support are not guaranteed to occur every week and may not be scheduled during public holidays, Course breaks or other periods where the Course timetable is adjusted.
Where reasonably practicable, Mastering the Markets may provide an alternative educator, substitute session, study group, recording or other educational resource. However, Mastering the Markets is not obliged to replace every cancelled or unavailable tutoring session.
The cancellation, rescheduling, substitution or unavailability of any tutoring session or supplementary educational support does not constitute a cancellation, failure to deliver or material change to the Course and does not entitle a student to a refund, credit, extension, deferment, transfer or other compensation.
6.13.8 Academy Cohort Discussions, Questions and Practical Application Tasks
Mastering the Markets encourages students to participate in Academy cohort discussions by asking questions, sharing charts, discussing market analysis and engaging with other students as part of the learning experience.
Academy cohort spaces are intended primarily to facilitate peer-to-peer learning, discussion and collaboration. While educators, interns, moderators, ambassadors and other Mastering the Markets representatives may participate from time to time, Mastering the Markets does not guarantee that any question, chart, post, comment or discussion will receive a response, review, feedback or assessment.
MtM Academy is the official communication platform for Course cohorts. Students are expected to use their allocated Cohort Chat for course-related discussions, announcements, questions and collaboration throughout their enrolment. To ensure all students receive consistent communication, educator guidance and support, students must not organise, promote or encourage the migration of their allocated cohort, or a substantial portion of their cohort, to external communication platforms (including, but not limited to, WhatsApp, Telegram, Discord, Facebook Groups, Slack or similar services) where the purpose or effect is to replace, bypass or diminish participation in the official MtM Academy community. Nothing in this clause prevents students from communicating privately or forming genuine personal friendships outside the Academy, provided those communications are not used to undermine or replace the official Course community.
Students acknowledge that any responses or feedback provided within Academy cohort spaces are supplementary educational support only and do not form part of the core Course delivery.
Practical Application Tasks, journals, exercises, accountability activities and similar learning resources are self-directed learning activities designed to support student accountability and skill development. Unless expressly stated otherwise, these activities are self-directed and are not individually marked, reviewed, assessed or graded by Mastering the Markets educators, interns, moderators or staff.
The absence of educator feedback, responses, assessment or review of Academy discussions, charts, questions or Practical Application Tasks does not constitute a failure to deliver the Course and does not entitle a student to a refund, credit, extension, deferment, transfer or other compensation.
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 Eligibility
Eligible students may request Extension Access during their Complimentary Course Access period. Extension Access is subject to approval by Mastering the Markets, payment of the applicable fee and the maximum extension period for the relevant Course (MtM12/TEC201 up to 3 months; MtM101/TEC101/Electives up to 1 month).
Extension Access is entirely discretionary and may be approved or refused for any reason.
6.16 Extension Access Requests
To request Extension Access, email moc.stekramehtgniretsam@troppus during your Complimentary Course Access period.
6.17 Scope of Extension Access
Complimentary Course Access and Extension Access include access to the Course materials, recordings and designated Course cohort community associated with the enrolled Course only.
Unless otherwise expressly stated, Complimentary Course Access and Extension Access do not include access to paid MtM Academy membership features, live Academy calls, premium Academy spaces or other membership benefits.
6.18 Student Academy Access
Students enrolled in an MtM Course receive complimentary access to the MtM Academy platform for the duration of their Course.
To continue accessing MtM Academy after Course completion, students must activate their complimentary post-course Academy offer by 11:59 pm AEST, on the Sunday immediately following their Masterclass Week.
Activation requires the student to:
- click the activation link provided by Mastering the Markets; and
- enter valid payment details before the activation deadline.
Students who complete the activation process before the deadline will receive two (2) weeks of complimentary Academy access immediately following completion of their Course.
At the conclusion of the complimentary two-week period, the student’s Academy Membership will automatically convert to the applicable Alumni Membership at the promotional Alumni rate communicated at the time of activation, unless cancelled beforehand in accordance with these Terms.
Students who do not activate the offer before the activation deadline will lose access to MtM Academy at the conclusion of their Course and will not be entitled to the complimentary Academy period or Alumni promotional pricing unless otherwise approved by Mastering the Markets.
Student Academy access and promotional Alumni offers are non-transferable, may only be redeemed once and cannot be redeemed retrospectively.
6.19 Transition to Paid Academy Membership
After the complimentary two-week Academy access period (where activated), continued Academy access requires a paid Academy Membership. See clauses 6.20 and 7.13–7.23.
6.20 Paid Academy Membership
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.
6.20.1 Community Participation, Questions and Educational Feedback
Participation in MtM Academy community spaces is intended to support peer-to-peer learning and educational discussion. The principles set out in clause 6.13.8 regarding community participation, educator responses, feedback and practical application activities apply equally to Academy Membership unless otherwise stated.
6.21 Upgrade Offers and Promotional Pricing
From time to time, Mastering the Markets may offer limited-time upgrade opportunities, promotional pricing or special enrolment options to existing students.
Unless otherwise stated in writing, these offers:
- are discretionary and may be communicated through various channels, including email, Course sessions, community platforms or announcements;
- are available only for the specified promotional period;
- expire automatically once the applicable promotional deadline has passed; and
- do not create an ongoing entitlement to promotional pricing if the offer is missed or not actioned within the applicable period.
Mastering the Markets is not responsible if a student does not receive, view or act upon promotional communications, including emails or announcements relating to upgrade opportunities or limited-time pricing.
Promotional offers, upgrade pricing and special enrolment opportunities cannot be transferred, substituted, extended or applied retrospectively unless expressly approved in writing by Mastering the Markets.
Where a promotional Academy offer requires activation by a specified date or time, failure to activate the offer before the stated deadline will result in the offer expiring automatically. Promotional pricing, complimentary access periods and associated benefits cannot be applied retrospectively.
6.21.1 TEC101 to TEC201 Upgrade Deadline
Students enrolled in TEC101 may be offered the opportunity to upgrade to TEC201 at the applicable promotional upgrade price within 28 calendar days after the official TEC101 Course start date (Upgrade Deadline).
The Upgrade Deadline is separate from the Course Census Date and does not extend, renew or reinstate the 14-day change-of-mind refund, cancellation or deferral period.
Eligible students who complete an approved upgrade within the Upgrade Deadline will receive the applicable promotional upgrade pricing communicated by Mastering the Markets.
The upgrade must be requested, approved and the applicable payment or payment arrangement completed by the Upgrade Deadline.
Once the Upgrade Deadline has passed, promotional upgrade pricing expires automatically. Any subsequent enrolment into TEC201 will be subject to the applicable standard Course pricing unless otherwise approved in writing by Mastering the Markets.
6.21.2 Upgrade Payments and Existing Enrolment
Where a student elects to upgrade from TEC101 to TEC201, the upgrade will be documented as an agreed variation of their existing Course enrolment, rather than a cancellation and separate enrolment, where expressly accepted by the student.
The upgrade confirmation will specify the applicable TEC201 fees, credits applied from TEC101, outstanding balances and agreed payment arrangements.
Amounts already paid towards TEC101 will be credited towards the applicable TEC201 Course fees in accordance with the approved upgrade arrangement.
Any outstanding TEC101 payment obligations will be incorporated into, credited against or otherwise addressed in the approved TEC201 payment arrangement.
Students remain responsible for payment of the agreed TEC201 Course fees, including any applicable payment plan amounts, subject to their rights under the Australian Consumer Law.
6.21.3 Refunds and Cancellation Following an Upgrade
Upgrading from TEC101 to TEC201 after the original Course Census Date does not create a new 14-day contractual change-of-mind refund or cancellation period.
The original TEC101 Census Date continues to apply to change-of-mind refunds and cancellations, including where a student subsequently upgrades to TEC201.
Students who upgrade after the Census Date acknowledge that their original change-of-mind refund period has expired and that the upgrade does not reinstate an entitlement to cancel their enrolment without financial penalty.
All upgrade arrangements, payments, refunds and cancellation conditions remain subject to any applicable rights and remedies under the Australian Consumer Law.
6.21.4 Upgrade Approval and Availability
All Course upgrades are subject to eligibility, availability, payment approval and confirmation by Mastering the Markets.
Mastering the Markets reserves the right to determine the eligibility requirements, promotional pricing, payment arrangements and deadlines applicable to each upgrade offer.
An upgrade is not confirmed until Mastering the Markets has approved the request and the applicable payment or payment arrangement has been completed.
Mastering the Markets may approve an upgrade outside the published Upgrade Deadline at its discretion. Such approval does not create an entitlement for other students to receive the same pricing, conditions or extension.
6.22 Individual Access and Membership Restrictions
Each Course enrolment and payment is for one individual participant only. Course access, MtM Academy access, student benefits, community access, event attendance, materials, recordings, and inclusions are intended solely for the enrolled student and may not be shared, split, transferred, duplicated, or used by couples, groups, businesses, or multiple individuals under a single enrolment or payment.
Mastering the Markets reserves the right to suspend or terminate duplicate, shared or unauthorised accounts or access without refund, including where login credentials have been shared in breach of clause 2.5.
6.23 Celebration and Event Attendance
Where a Course includes access to a Mastering the Markets celebration event, graduation event, wrap-up event, dinner, networking event, or similar function, one Course enrolment/payment includes one (1) ticket for the enrolled student only.
Course enrolments, event access, and attendance inclusions are intended for one individual participant only and may not be shared between partners, family members, friends, businesses, groups, or multiple individuals.
Additional guest tickets, partner tickets, child tickets, or extra seats are not included and may not be purchased.
Event tickets and attendance inclusions are non-transferable and cannot be split across multiple people, including where a student attends only part of the event.
Mastering the Markets reserves the right to limit attendance numbers, refuse additional attendance requests, and enforce event participation conditions at its sole discretion.
6.23.1 End of Year Celebration/Graduation Events
Mastering the Markets currently hosts one (1) official Graduation Event each calendar year on the Gold Coast, Queensland, Australia.
Graduation Events are conducted at a time, date and venue determined solely by Mastering the Markets.
Students acknowledge that Graduation Events are not conducted at the conclusion of every Course intake and attendance may occur several months after Course completion.
Mastering the Markets may change the location, venue, date, timing or format of any Graduation Event where reasonably necessary for operational or business reasons.
6.23.2 RSVP, Non-Attendance and Event Costs
Students who RSVP to attend a Mastering the Markets celebration event, graduation event, networking event, dinner or similar function acknowledge that Mastering the Markets may commit to venue, catering and other supplier costs based on confirmed attendance numbers.
Once the published RSVP deadline has passed and final attendee numbers have been submitted to suppliers, RSVP changes or cancellations may not be possible.
Where a student cancels after the RSVP deadline or fails to attend the event without prior written notice, Mastering the Markets reserves the right to recover any reasonable costs already incurred on that student’s behalf, including but not limited to catering, venue, seating and supplier charges.
Mastering the Markets may waive or reduce these charges at its sole discretion in exceptional circumstances.
7. Pricing, Payment and Refunds
7.1 All pricing is in Australian dollars and includes Goods and Services Tax (GST).
7.2 All Course fees, payment options and applicable charges are published on the Mastering the Markets Website or confirmed through an authorised written enrolment agreement.
The pricing and payment terms confirmed at the time of enrolment apply to that enrolment.
Verbal pricing, discounts or payment arrangements are not binding unless confirmed in writing by an authorised Mastering the Markets representative.
Subsequent changes to Website pricing do not alter an existing student’s agreed fees unless expressly agreed in writing or permitted by law.
7.3 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).
7.4 We may vary fees and charges prospectively at any time. This does not affect amounts already paid.
7.5 Payment Methods – We accept payment via Stripe. Other methods may be accepted at our discretion; contact us to request.
7.6 Course Payment – All Course fees must be paid in full before Course completion.
7.7 One‑off Payments – Courses may be paid in full at enrolment.
7.7.1 Holding Deposits and Securing Enrolment Places
From time to time, Mastering the Markets may offer students the ability to secure a place in a Course intake prior to full enrolment payment by paying a non-refundable holding deposit.
Holding deposit amounts are:
(a) TEC101 — AUD $350
(b) TEC201 — AUD $500
A holding deposit secures a place only and does not constitute full enrolment into the Course.
Students who pay a holding deposit will not receive access to:
- MtM Academy;
- Course materials;
- Student portals;
- Live sessions; or
- Any Course-related benefits or inclusions,
until full payment or an approved payment arrangement has been completed.
The remaining Course balance must be paid in full by the published enrolment closing date, being generally two (2) weeks prior to the Course commencement date unless otherwise stated in writing.
If the remaining Course balance is not paid by the enrolment closing date, Mastering the Markets may release the reserved place.
Where a student withdraws or fails to complete enrolment, Mastering the Markets may retain the holding deposit to cover reasonable costs or losses associated with reserving the place, to the extent permitted by law.
Where Mastering the Markets cancels the Course or cannot provide the reserved place, the holding deposit will be refunded unless the student accepts an alternative arrangement.
7.8 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.
7.9 We’ll send a reminder one week before each instalment. If an instalment fails, Stripe retries after 1 day and again after 3 days.
7.10 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 moc.stekramehtgniretsam@troppus.
7.11 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.
7.12 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.
7.13 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.
7.14 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.
7.15 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.
7.16 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.
7.17 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.
7.17.1 Promotional Membership Pause Restrictions – Promotional, discounted, trial, event-based, alumni, student, partner, grandfathered, or special-offer MtM Academy memberships are not eligible for pause, suspension, account hold, deferred access, billing freeze, or extension unless expressly approved in writing by Mastering the Markets.
Where a user cancels a promotional or discounted membership, access will continue until the end of the current paid billing period. Promotional pricing will not be available upon future reactivation unless otherwise approved in writing by Mastering the Markets.
7.18 Access After Cancellation
When the billing cycle ends, access is removed automatically. Users may re‑subscribe at any time by reactivating their membership.
7.19 Refunds Not Available for MtM Academy
MtM Academy subscriptions are non-refundable for change-of-mind reasons, unused access, non-participation or cancellation during a paid billing period.
This policy does not affect any refund or other remedy required under Australian Consumer Law.
7.20 Course Refunds by Census Date
Change-of-mind refunds are available up to and including the Course Census Date, being 14 calendar days after the official Course start date, unless otherwise specified in the applicable enrolment terms.
Refund requests must be submitted in writing by the Census Date. Refunds are issued less a cost-reflective Processing Fee, which may include non-recoverable Stripe fees and reasonable administration costs.
A request received through an authorised Mastering the Markets contact channel by the deadline will be treated as submitted on time, regardless of when it is acknowledged or processed.
After the Census Date, change-of-mind refunds are not available.
The availability of promotional Course upgrades, including the 28-day TEC101 to TEC201 Upgrade Deadline, does not extend, renew or reinstate the original Course refund period.
Nothing in this clause limits or excludes any rights or remedies available under the Australian Consumer Law, including where services fail to meet applicable consumer guarantees.
7.21 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.
Where a student upgrades from TEC101 to TEC201 after the Census Date, any outstanding payment obligations will be incorporated into or otherwise addressed under the approved TEC201 upgrade payment arrangement.
The completion of a Course upgrade does not cancel, waive or extinguish outstanding Course payment obligations unless expressly agreed in writing by Mastering the Markets.
All payment obligations remain subject to applicable rights under the Australian Consumer Law.
7.22 Final Sale Policy
After the 14-day Course Census Date, change-of-mind refunds and cancellations without financial penalty are no longer available.
The 28-day promotional TEC101 to TEC201 Upgrade Deadline applies to discounted upgrade pricing only and does not extend or reinstate the original change-of-mind refund period.
All refunds and cancellations remain subject to applicable Australian Consumer Law rights.
7.23 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.
If you initiate a chargeback, payment reversal or payment dispute in relation to a valid payment, Mastering the Markets may immediately suspend access to the Website, Courses, MtM Academy and any associated services while the matter is investigated. Where a chargeback or payment dispute is unsuccessful or found to be unjustified, Mastering the Markets may recover any reasonable administration costs, merchant fees, recovery costs and legal costs incurred, to the extent permitted by law.
7.24 Payment Contact Information – For payment questions or concerns, contact our Accounts team at moc.stekramehtgniretsam@stnuocca.
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. Without our prior written consent, you must not record, screen record, photograph, copy, reproduce, download, distribute, publish, upload, transmit, reverse engineer, modify, create derivative works from, commercially exploit, or use any Website, Course or Academy content to train artificial intelligence systems, machine learning models or similar technologies. You must not use Course materials or educational content to create, deliver or assist with any competing education, mentoring, coaching or training program without our prior written consent.
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
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 moc.stekramehtgniretsam@troppus or text “HELP” if supported in your region.
10.9 Before changing/transferring your mobile number, unsubscribe first or notify us at moc.stekramehtgniretsam@troppus 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 and 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 All Website content, Courses, MtM Academy, webinars, livestreams, market scans, chart reviews, watchlists, educator commentary, trade examples, portfolio discussions, community discussions and educational materials are provided solely for educational and informational purposes.
Nothing provided by Mastering the Markets constitutes personal financial advice, investment advice, taxation advice, legal advice or a recommendation to acquire, dispose of or hold any financial product.
All investment and trading decisions remain solely the responsibility of the individual.
Mastering the Markets does not actively monitor, verify or endorse all community content and reserves the right, but is under no obligation, to remove or moderate any content at its discretion.
12.2.1 Educational Commentary
Mastering the Markets is an education provider and does not operate a signal, trade alert or investment recommendation service.
Educators may discuss shares, ETFs, cryptocurrencies, commodities, foreign exchange, derivatives or other financial markets to demonstrate market analysis, technical analysis, fundamental analysis, portfolio construction, risk management and investment principles.
Such discussions are educational illustrations only and must not be interpreted as buy, sell or hold recommendations or as trading or investment signals.
Members acknowledge that educational commentary may differ between educators and that differing opinions do not constitute inconsistent recommendations or investment advice.
12.2.2 Changing Market Conditions
Market conditions continually change.
Educational commentary reflects the educator’s views at the time it is provided only.
Mastering the Markets is under no obligation to provide ongoing commentary, revised opinions, updates or follow-up analysis on any financial instrument, investment thesis, trade idea or market commentary previously discussed.
Members are responsible for monitoring their own investments and determining whether the original investment thesis remains valid.
12.2.3 Independent Decision Making
Members acknowledge they are solely responsible for:
- conducting their own research;
- monitoring their own investments;
- managing their own risk;
- determining position sizing;
- seeking independent professional advice where appropriate; and
- making their own investment decisions.
Members must not rely solely on commentary, examples or discussions provided by Mastering the Markets when making investment decisions.
12.2.4 No Personal Advice
Mastering the Markets does not provide personalised financial advice, portfolio reviews, investment recommendations, buy or sell recommendations or individual financial product advice.
Questions submitted during webinars, livestreams, Academy calls or community discussions will be answered on a general educational basis only.
12.2.5 Educational Trade Examples
Any trades, portfolios, watchlists, examples, case studies or investment scenarios presented by educators are provided solely to demonstrate educational concepts and decision-making frameworks.
Past examples should not be interpreted as recommendations or an indication of future performance. Trade examples are educational illustrations only and do not constitute ongoing trade management, portfolio management or investment recommendations.
12.2.6 Community Discussions
Community discussions remain subject to the MtM Academy Terms and Conditions.
Comments, opinions, ideas and investment discussions shared by members, moderators, ambassadors, sponsors or other participants within the Mastering the Markets community are their own and do not necessarily represent the views of Mastering the Markets.
Members should independently verify any information shared within the community before making investment decisions. Mastering the Markets accepts no responsibility for decisions made based on community discussions or third-party content.
12.3 While Mastering the Markets uses reasonable care in preparing educational content, we do not warrant the accuracy, completeness or currency of information provided and are not liable for any loss arising from reliance on Website or Course content, except as required by the Australian Consumer Law.
12.4 We do not guarantee trading profitability, investment performance, financial success or any specific outcome from participation in our Website, Courses, MtM Academy, community, webinars, educational content or events.
Past performance, historical examples, educator performance, student results, testimonials, case studies and success stories are not guarantees of future performance or financial outcomes.
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 including losses arising from unauthorised account sharing, intellectual property infringement, payment disputes, chargebacks, misuse of Course materials or unlawful use of the Website.
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 Mastering the Markets may suspend or terminate access where a student materially breaches these Terms, engages in unlawful or abusive conduct, shares account access without authorisation, misuses intellectual property or creates a genuine risk to the safety, security or operation of our services.
Where reasonably practicable, students will be notified of the breach and given an opportunity to remedy it.
Immediate suspension or termination may occur where necessary to protect students, staff, intellectual property, systems or legitimate business interests.
14.3 MtM Academy: Behaviour within MtM Academy is governed by the MtM Academy Terms and Conditions, which may be updated from time to time.
14.4 Where enrolment is terminated due to a student’s material breach, Mastering the Markets may retain fees for services already provided and recover outstanding amounts or reasonable losses lawfully payable under the enrolment agreement.
Termination does not automatically remove the student’s payment obligations.
Any refunds, fee retention or recovery of outstanding amounts will be determined in accordance with these Terms and applicable law.
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.
15.4 These Terms constitute the entire agreement between the parties and supersede all previous discussions, negotiations, representations, marketing materials, promotional statements and understandings relating to the Website, Courses and MtM Academy. You acknowledge that you have not relied on any representation or statement not expressly set out in these Terms, except where such reliance cannot be excluded under the Australian Consumer Law.
15.5 Mastering the Markets is not liable for any delay, interruption or failure to perform its obligations under these Terms where such delay, interruption or failure is caused by events beyond its reasonable control, including but not limited to natural disasters, pandemics, epidemics, government action, war, civil unrest, industrial disputes, power outages, internet or telecommunications failures, cyber incidents, acts of God, or any other event beyond its reasonable control.
Where reasonably practicable, Mastering the Markets will use reasonable efforts to minimise disruption and resume normal Course delivery as soon as reasonably possible.
16. Enquiries and Feedback
16.1 We welcome enquiries and feedback. You can contact us at:
Email: moc.stekramehtgniretsam@troppus
Post: PO Box 2351, Graceville East QLD 4075, Australia
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.