(Ref:2303-TIR)

This Contract is between Thoughts Equal Results Pte Ltd, the party who is providing the coaching service (hereinafter referred to as the “Coach”) and the party receiving the coaching services (hereinafter referred to as the “CLIENT”).

A) The CLIENT agrees to the following:

1. Program Participation. The CLIENT is solely responsible for any decisions and actions that result from the use of Program-related information, products and services. The Coach makes no promises, representations or warranties concerning the viability of any goals, aspirations or endeavours the CLIENT may identify or choose to pursue during or as a result of the CLIENT's participation in the Program. The Coach does not guarantee that the CLIENT will achieve any specific personal, professional or financial results by the CLIENT's participation in the Program. The Coach does not provide psychological, investment or financial advice and those professional referrals may be given if needed.

2. Program Entitlements

The entitlements are valid for claim and use for a period of 14 weeks from the date of contract signing contract unless otherwise stated

i) Lifetime access to The Financial Prosperity Masterclass (over 5 modules) via a private online community.

ii) Lifetime access to Thinking Into Results Program (12 modules) via Proctor Gallagher Institute virtual campus.

iii) 1:1 Coaching Calls . 12 sessions in total via video conference. Up to 40 mins each session.

iv) Over 17 recorded coaching calls by the Coach. Access is made available via a private online community

v) Peer-to-Peer Facebook Community to support & learn from like-minded individuals from different parts of the world.

3. Program Participation Payment.

i) The CLIENT agrees to pay the total amount of the Program Fee listed for entering into this Contract for participation in the Program. By executing this Contract, the CLIENT agrees, acknowledges and accepts that the fee payment of the Program that has already been paid by the CLIENT to the Coach is strictly not refundable under any circumstances and the Coach shall not be held liable for not refunding any fee paid under this Contract.

ii) The CLIENT shall pay the total amount of the Program in one lump sum on the signing of this Contract without any set-offs or deductions whatsoever. Including if the CLIENT leave the program, does not complete it in the time frame provided, or does not use the program in the time frame provided

iii) Payment made under this Contract must be made by the means specified in this Contract. If the CLIENT fails to make any payment(s) as agreed upon and the CLIENT fails to remedy that breach within 14 days from the payment default, the Coach holds the right to terminate the contract without any written notice to the CLIENT. In the event the CLIENT remedies the default payment within 14 days from the breach of payment, the CLIENT shall be entitled to resume participating in the Program and to receive products and services related to the Program

iv) Upon termination of the Contract by the Coach:

(a) the CLIENT shall cease and be suspended from attending and/or receiving products and services related to the Program and the Coach has no obligation to perform any part of the Program Entitlements which are not already performed;

(b) all the balance payments shall immediately become due and owing and must be immediately paid to the Coach without the need for any further demand. The Coach reserves its right to pursue legal action to claim as debt owing for any amount due to the Coach on termination;

(c) The CLIENT acknowledges that he/ she shall not be entitled, and shall not make any claim for any refund of any amount that the CLIENT had paid to the Coach as of that date.

4. Ownership Rights and Proprietary Information

i) You agree that you will not make any Program materials available to the general public or any third party for sale, distribution, download, replication, translation, copying or file sharing.

ii) The Coach is the owner or the licensee of all Intellectual Property Rights and all other rights and interests in the materials and content that the Coach uses within the Program and nothing in this contract or otherwise shall operate to transfer, whether in full or partial, the ownership of the Intellectual Property Rights in such material or content to CLIENT or any other person.

iii) CLIENT may not at any time or in any way, directly or indirectly, copy, reproduce, supply, publish in any form, share, sell, dispose of or otherwise, make available to a third party or otherwise deal with or use in any way of the content or materials that the Coach uses in the Program.

5. Governing Law. This Contract will be governed by and construed in accordance with, the laws of Singapore.

6. Term. This Contract is valid for 14 weeks from the date of acceptance of this Contract unless earlier terminated in accordance with the terms of this Contract.

7. By the CLIENT’s input of their name, email, and date of acceptance in the designated fields,

i) The CLIENT agrees to abide by the terms and conditions set out in this Contract.

ii) The CLIENT affirms that all information given in this Contract is true and accurate, and the CLIENT has not deliberately omitted any relevant fact. The CLIENT understands that any false or misleading information shall entitle the Coach to terminate the Contract without any refund of fees paid.

ii) The CLIENT agrees and consents that Thoughts Equal Results Pte Ltd ("Coach") may collect, use, disclose, and/or internally share my/our personal data to the Coach's authorized service providers, relevant third parties, affiliates and business partners, for the purpose of sending me/us updates, news, promotional and marketing materials and any other purposes that are permitted in accordance with Personal Data Protection Act.