AUREUS WEALTH PROGRAM PARTICIPATION AGREEMENT

This Agreement is between You (“Participant”) and Aureus Wealth Advisers Pty Ltd ACN 622 501 455 (“Aureus”, “We”, “Us”, or “Our”) and outlines the terms of your participation in the Aureus Wealth Program. By enrolling in the Program, you agree to these terms, which set clear expectations, commitments, and guarantees to ensure your success.

1. Participation Terms & Conditions

1.1 Acknowledgements

• Aureus Wealth Advisers Pty Ltd is committed to delivering a comprehensive financial strategy designed to improve Your financial position. 
• 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.
• 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.

1.2 Program Confidentiality & Intellectual Property

• Program materials, including video sessions, checklists, and tools, are for your personal use only.
• Sharing, reproducing, or distributing program materials without written consent is strictly prohibited.
• Recording equipment is not permitted at program events.

1.3 Payments & Program Commitment

• The Aureus Wealth Program is a 52-week commitment, and weekly payments are made in advance.
• There are no cancellations, hold-periods, or refunds.
• A valid payment method (credit card or bank details) is required for uninterrupted access.

1.4 Non – Payment / Arrears

• If the Client falls into arrears, fails to respond to reasonable communication attempts, or otherwise goes AWOL, Aureus reserves the right to refer the outstanding balance to a third-party debt collection agency. The Client acknowledges and agrees that all costs incurred in the recovery of overdue amounts—including but not limited to debt collection fees, legal fees, and administrative charges—will be payable by the Client, in addition to the outstanding balance owed.
  

2. Love It or Leave It – 60-Day Confidence Guarantee (No Refunds).

2.1 Definitions.

• Problems & Outcomes: The client’s priority issues and desired results, documented during Fact-Find/Discovery and confirmed at Kickoff.
• Strategy Deliverable: The core plan delivered early in the engagement (e.g., SOA for Wealth; Strategy Document for Education; Elite Audit/Remediation Plan for Accounting; Marketing Roadmap for Growth Partners).
• Primary Value Steps: Initial, high-impact actions delivered with or immediately after the Strategy Deliverable (e.g., damage control, cash-flow triage, compliance fixes, quick wins).

2.2 Guarantee window.

Aureus will deliver the Strategy Deliverable + Primary Value Steps and conduct a Confidence Check within 60 days of Kickoff. If Aureus has not delivered these items by day 60 for reasons within Aureus’ control, the client may elect to terminate immediately under this clause.

2.3 Confidence Check.

Upon delivery (or no later than day 60), Aureus will ask the client:

1. “Are you confident that, if implemented, this plan will solve the problems we scoped?”
2. “Is this what you were looking for?”
   If the client answers No to either question, the client may terminate the engagement with no further fees payable beyond amounts already due or paid up to the termination date. Fees paid to date are non-refundable.

2.4 Client responsibilities (eligibility).

This guarantee applies only where the client has:

• Provided timely and accurate information, access, and approvals;
• Attended scheduled sessions reasonably; and
• Not materially changed scope or objectives from those documented at Kickoff.

2.5 Exclusions & clarifications.

• This guarantee is about confidence in the plan and approach—not a promise of a specific financial, legal, tax, investment, or market outcome.
• It does not cover items outside agreed scope, third-party actions/decisions (banks, ATO/regulators, platforms), or external shocks (e.g., macroeconomic events).
• Regulatory and compliance obligations (e.g., advice law, tax law) are always paramount; nothing in this clause overrides statutory requirements.

2.6 Upfront / Pay-in-Full pro-rata refund (exception to “no refunds”).

If—and only if—the client paid the engagement in full upfront and terminates under this 60-Day Guarantee, Aureus will refund the unused portion of the upfront fee on a pro-rata basis as follows:

• Refund amount = Upfront Fee Paid − (Weekly Fee Equivalent × Weeks Elapsed) − Non-recoverable third-party costs committed on the client’s behalf.
• Weekly Fee Equivalent = the standard weekly fee for the same engagement shown on the signed Order Form/Proposal. If no weekly fee is stated, it is calculated as (Upfront Fee Paid ÷ Contract Term in weeks).
• Weeks Elapsed = the number of whole or partial weeks from the date of point of sale to the earlier of (a) the Confidence Check/termination election date or (b) day 60. Partial weeks are rounded up to a full week.
• Any one-time government/third-party charges, filing fees, platform fees, or disbursements already incurred are non-refundable.
• Refunds are processed to the original payer/method within a reasonable processing time after termination is confirmed in writing.

2.7 After the window.

If the client does not elect to terminate at the Confidence Check (or by day 60, whichever occurs first), the guarantee is deemed satisfied and waived, and the engagement continues under standard terms. If you choose to terminate early outside of the 60-day guarantee, the full remaining balance remains payable.

2.8 Summary

Within 60 days, once we’ve delivered your strategy and the first Primary Value Steps, we’ll ask a simple question:

“Are you confident that, if implemented, this plan will solve the problems we scoped together?”

If the answer is no, you may leave the engagement with no further payments due. No refunds of fees already paid.

3. Effect of termination.

On termination under this clause, future installments/fees are cancelled. Any work delivered and invoices issued up to termination remain payable. No refunds of fees already paid.

4. Legal & Consumer Rights

4.1 This Agreement complies with the Australian Consumer Law (ACL) under the Competition and Consumer Act 2010 (Cth). Nothing in this Agreement limits or excludes your rights under ACL.

4.2 If we fail to deliver our services as agreed, you are entitled to seek resolution under the ACL, including refunds where applicable.

4.3 We reserve the right to update or modify this Agreement as necessary, with reasonable notice provided.

5. Conduct & Professionalism

5.1 Aureus Wealth Program is a non-pitch environment. Unprofessional or disruptive conduct may result in membership termination.

5.2 We reserve the right to use photos and videos from live events for promotional purposes.

6. Governing Law & Dispute Resolution

This Agreement is governed by the laws of New South Wales, Australia. Any disputes shall be resolved through fair and transparent processes, with all parties acting in good faith.

7. Agreement Acknowledgement

By participating in the Aureus Wealth Program, you acknowledge, understand and agree to these terms.