AUREUS WEALTH PROGRAM PARTICIPATION AGREEMENT

This Participation Agreement (“Agreement”) is made between You (“Participant”) and Aureus Wealth Advisers Pty Ltd ACN 622 501 455 (“Aureus”, “We”, “Us”, or “Our”). By enrolling in the Aureus Wealth Program (“Program”), You acknowledge and agree to the following terms and conditions, forming a legally binding contractual agreement.

1. Our Commitment to Your Financial Growth

Aureus Wealth Advisers Pty Ltd is committed to delivering a comprehensive financial strategy designed to improve Your financial position. We guarantee that if we cannot provide a detailed strategy outlining a potential return on investment (ROI) of at least four times (4x) the fees paid to us for Our services, We will refund 100% of the fees paid. This Guarantee is based on historical benchmarks and financial modeling; however, all investments are subject to market risks beyond Our control.

2. Terms of Participation

2.1 Educational Purpose

The Program provides wealth coaching and financial strategy education. The information, materials, and strategies presented in the Program are for educational purposes only and should not be considered personal financial advice. Any financial decisions and strategies implemented by You remain Your sole responsibility.

2.2 Third-Party Involvement

Aureus Wealth Advisers Pty Ltd may engage agents, contractors, or other entities (“Other Educators”) to provide additional education. Any financial education provided by Other Educators is for educational purposes only and does not constitute financial advice tailored to Your personal circumstances. Should You seek professional financial advice, a separate agreement with a licensed advisor must be entered into at Your own discretion.

3. Guarantee Terms & Conditions

3.1 Basis of the Guarantee

The Guarantee is founded on forecasted results derived from historical benchmark assumptions, including:

• Surplus Assumptions: Projected excess funds after expenses.
• Tax Considerations: Estimated tax liabilities and benefits under Australian tax law.
• Investment Vehicles: Assumed performance of various investment strategies.
• Growth Rates: Expected rates of return based on historical data.
• Income Returns: Projected passive income sources.

These assumptions provide a realistic and attainable framework for Your financial growth over the Guarantee Period.

3.2 Implementation Requirements

To qualify for the Guarantee, You must:

• Follow the Action Plan outlined by Us, executing all recommended financial strategies.
• Engage Fully in the Program, including attending webinars, workshops, and courses.
• Maintain Documentation of Your financial activities, investment decisions, and progress.

Failure to meet these requirements invalidates the Guarantee.

3.3 Guarantee Process

1. Financial Scenario Analysis – We assess Your current financial position.
2. Optimised Scenario Development – We provide a tailored strategy to improve Your financial outlook.
3. Value Comparison – We compare Your current financial state to the optimised scenario.
4. ROI Confirmation & Client Feedback – If the optimised scenario shows a 4x ROI, We confirm this with You.
5. Guarantee Trigger – If ROI does not meet 4x and You have adhered to the Program requirements, You may request a refund.

4. Membership & Payment Terms

4.1 Membership Commitment

• The Aureus Wealth Program is a 52-week program with weekly payments made in advance. 
• There are no cancellations, hold-periods, or refunds outside of the money-back guarantees.
• A valid payment method (credit card or bank details) is required for uninterrupted access.

4.2 Renewal & Ongoing Service

At the conclusion of the 52-week period, You will be offered an Ongoing Service Agreement for continued participation.

5. Confidentiality & Intellectual Property

5.1 Program Content

All Program Materials, including training videos, documents, and strategies, are confidential and proprietary to Aureus Wealth Advisers Pty Ltd. You may share insights with Your staff for implementation but may not reproduce, distribute, or share materials outside the Program.

5.2 Event Recordings

Live events may be recorded for future educational use. By participating, You consent to the use of Your image and contributions in such materials.

6. Indemnification & Liability

6.1 Liability Waiver

You acknowledge that any financial outcomes are subject to market conditions and external factors beyond Our control. We do not guarantee specific financial results, and You assume full responsibility for Your financial decisions.

6.2 Indemnity

You agree to indemnify Aureus Wealth Advisers Pty Ltd, its employees, contractors, and presenters against any claims, losses, or liabilities arising from Your participation in the Program, including reliance on any financial education provided.

7. General Terms

• This Agreement is governed by the laws of New South Wales, Australia.
• We may update or modify this Agreement as required, with reasonable notice to You.
• By enrolling in the Program, You acknowledge that You have read, understood, and accepted these terms in full.