Last Updated: 09 July 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, 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, reject or cease any enrolment at our discretion and are not required to provide reasons
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 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 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
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. Course timetables and scheduled live sessions are indicative only and may be amended from time to time in accordance with these Terms.
Mastering the Markets aims to deliver live sessions as scheduled. However, live sessions may be pre-recorded, rescheduled, substituted or cancelled where reasonably necessary due to educator illness, educator unavailability, public holidays, live events, operational requirements or other business reasons. Where practical, Mastering the Markets may provide an alternative live session, educator or recording. Such changes do not constitute a cancellation or material change to the Course and do not entitle a student to a refund, credit, extension, deferment or other compensation.
Students are responsible for attending scheduled live sessions and completing course requirements within their enrolled term. Failure to attend live sessions or complete course requirements does not entitle a student to additional access, extensions, refunds, credits or transfers.
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, timetable or delivery format.
Students will be allocated to an educator, mentor group, cohort, class, timetable or delivery structure as determined by Mastering the Markets at the time of enrolment. Mastering the Markets may modify or replace any educator, mentor, class, cohort, timetable, delivery structure or allocation at any time where reasonably necessary for operational, educational, availability or business reasons.
Course delivery may be supported by educators, mentors, interns, moderators, ambassadors, guest presenters, teaching assistants or other support personnel deemed appropriate by Mastering the Markets.
Educator allocations, mentor groups, cohort structures, schedules and delivery formats form part of the overall Course experience and may vary between intakes.
Students have no entitlement to request or receive a change of educator, mentor, class, cohort, timetable or delivery format after enrolment unless expressly approved by Mastering the Markets. Mastering the Markets may, at its sole discretion, make changes where required for operational, educational, availability or business reasons.
Course timetables, live session schedules, session frequency, call durations, educator allocations, delivery methods and learning activities may differ between Courses, classes, cohorts, educators and enrolment intakes.
Mastering the Markets reserves the right to add, remove, reschedule, combine, shorten, extend, substitute or otherwise modify live sessions, class times, timetables, delivery formats, educator allocations, presenters, support personnel, cohorts or learning activities where reasonably necessary for operational, educational, availability or business reasons.
Live calls, tutoring sessions and Academy cohort chats may be supported or facilitated by interns, moderators, ambassadors, teaching assistants or other support personnel as part of their training, development or operational responsibilities. Where reasonably necessary, these individuals may facilitate or assist with educational sessions on behalf of Mastering the Markets.
Students acknowledge that the number of live sessions, session frequency, session duration, timetables, educators, classes, cohorts and delivery formats may vary between Courses, classes, cohorts and enrolment intakes. Students are not entitled to any minimum or maximum number of live sessions, a guarantee that every scheduled live session will proceed, or any particular session duration, timetable, educator, class, cohort or delivery format unless expressly stated in writing by Mastering the Markets.
Changes to educators, presenters, support personnel, timetables, live session schedules, call frequency, call duration, class times, delivery methods, cohorts or learning activities do not constitute a cancellation or material change to the Course and do not entitle a student to a refund, credit, extension, deferment or other compensation.
Unless expressly stated otherwise by Mastering the Markets, students will only receive access to recordings of the live sessions associated with their allocated Course, educator, class or cohort.
Students are not entitled to access recordings, materials or live sessions from other educators, classes, cohorts, Course intakes or delivery streams.
6.13.3 Elective Selection and Allocation
Where a Course includes elective subjects, streams or specialisations, students may be invited to nominate one or more elective preferences.
Elective preferences are requests only and do not guarantee placement into a particular elective.
Students are responsible for submitting their elective preferences by the published deadline. Students who fail to submit a preference by the deadline may be allocated to an available elective at Mastering the Markets’ discretion.
Mastering the Markets reserves the right to determine the elective allocation process and selection methodology for each Course intake. Elective allocations may be based on factors including, but not limited to, class capacity, educator availability, operational requirements, student numbers, educational outcomes and business requirements.
Once elective allocations have been confirmed, allocations are final and elective selections cannot be changed by the student.
Allocation decisions made by Mastering the Markets are final and do not entitle a student to a refund, credit, transfer, extension or compensation where their preferred elective is unavailable or they are allocated to an alternative elective.
Students acknowledge that elective descriptions, educator allocations, advertised content, learning outcomes and delivery methods may change from time to time. Elective content, learning outcomes and delivery may evolve over time as Mastering the Markets continuously reviews and improves its educational programs.
6.13.4 Elective Changes
Mastering the Markets reserves the right to add, remove, postpone, combine, replace or discontinue any elective, educator, class, timetable, delivery format or elective offering where reasonably required due to student demand, educator availability, operational requirements, minimum enrolment numbers, educational outcomes, regulatory requirements or other legitimate business requirements.
Where practical, students will be allocated to a suitable alternative elective.
Such changes do not constitute a cancellation of the Course and do not entitle students to a refund, credit, extension, deferment or compensation.
6.13.5 Minimum Enrolments
Mastering the Markets reserves the right not to proceed with any course, elective, class, cohort or delivery stream where minimum enrolment numbers are not achieved. Students affected may be transferred to another intake, Course, elective, class, cohort or delivery stream at the discretion of Mastering the Markets. Such changes do not constitute a cancellation of the Course and do not entitle a student to a refund, credit, extension, deferment or compensation.
6.13.6 Requests to Change Electives
Once elective allocations have been confirmed, students are not permitted to change electives, classes, educators, mentor groups or cohorts.
Students should carefully consider their elective preferences before submitting their selection.
Mastering the Markets reserves the right to change a student’s elective, class, educator, mentor group, cohort, timetable or delivery arrangement where reasonably required for operational, educational, availability or business reasons.
Such changes made by Mastering the Markets do not entitle a student to a refund, credit, extension or compensation.
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 access to the MtM Academy platform as the delivery platform for their Course for the duration of their enrolment, plus 14 days following Course 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.
Continued access to Course cohort community spaces, discussion groups, forums and associated resources following Course completion is provided entirely at Mastering the Markets’ discretion and may be modified, archived, restricted, merged, migrated or permanently removed at any time without notice.
6.19 Transition to Paid Academy Membership
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 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 only available for the specified time period communicated for that offer;
- expire automatically once the specified time period or Census Date has passed; and
- do not create an ongoing entitlement to the promotional price if the offer is missed or not actioned during 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.
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.
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.
7.6.1 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 full payment is not completed by the enrolment closing date, the reserved place may be released by Mastering the Markets and the holding deposit will be forfeited.
Holding deposits are non-refundable and non-transferable except where required under the Australian Consumer Law.
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 moc.stekramehtgniretsam@troppus.
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.
7.16.1 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.
If a user cancels a promotional or discounted membership, the promotional pricing and offer access are forfeited immediately and cannot be reinstated.
Any future reactivation or re-subscription will occur at the standard current membership pricing unless otherwise approved in writing by Mastering the Markets.
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, accessed Academy content 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.
Refund requests are not deemed received until acknowledged by Mastering the Markets.
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.
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.
7.23 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 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 We may suspend or terminate your access immediately where you breach these Terms or where we reasonably consider your continued access may expose Mastering the Markets, its staff, students, educators, systems or business to legal, operational, commercial, reputational or cybersecurity risk.
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 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.
Termination does not affect any accrued rights or obligations of either party arising before termination.
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. Contact us at moc.stekramehtgniretsam@troppus.
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.