Terms of service

Last Updated: 1 March 2025

1. Acceptance of Terms

By accessing or using any websites, services, subscriptions, or materials provided by FCA FZE-LLC, operating The Wealtha Method™ (the "Company", "We", "Us"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, you must not access or use the Company Sites and Materials.

Access is prohibited to persons under the age of 18. By accessing our services, you confirm you are at least 18 years of age and capable of forming a binding legal agreement. Accounts found to belong to minors will be immediately terminated without refund and their data deleted.

Acknowledgment of Acceptance: By enrolling in The Wealtha Method™, you acknowledge and agree that these Terms & Conditions are binding upon you at the moment of (1) applying/submitting tuition payment to secure your membership, and again at the moment of (2) requesting or being granted access to any private communication channels, platforms, or communities operated by The Wealtha Method™ (including but not limited to account creation page, video course channels and member communities). Both actions constitute your express acceptance of these Terms, including the refund policy, dispute resolution terms, and conduct requirements.

2. General Disclaimer

The Company is not an investment advisor, broker-dealer, tax advisor, or legal advisor. All materials are for educational and informational purposes only. No part of our content constitutes personalized financial advice or a guarantee of profits.

Trading financial markets, including but not limited to commodities, cryptocurrencies, and derivatives, carries significant risk of loss. You should not trade with money you cannot afford to lose. You acknowledge full responsibility for your own investment research and trading decisions.

By joining The Wealtha Method™, you affirm that you have researched whether gold or crypto trading and exchanges are legally permitted in your jurisdiction.

The Wealtha Method™ makes no guarantees regarding trading performance, profitability, or financial outcomes. Any examples of trade screenshots, testimonials, charts, strategies, or member results referenced in our marketing or program materials represent individual outcomes under specific circumstances, are provided solely for educational illustration and do not represent typical results. Your results will vary and depend on many factors including but not limited to your background, work ethic, market conditions, and risk tolerance.

Company Registration Note: FCA FZE LLC is a UAE Free Zone limited liability company. The abbreviation 'FCA' in our registered company name refers solely to our company registration and does not indicate authorization, regulation, or affiliation with the UK Financial Conduct Authority, the US Financial Industry Regulatory Authority (FINRA), or any other financial regulatory body.

3. Intellectual Property

All course materials, educational trade examples, market commentary, hypothetical setups, strategies, content, videos, and community resources provided through The Wealtha Method™ are the intellectual property of the Company. You may use them only for your personal, non-commercial purposes. Any reproduction, sharing, reselling, or distribution without written consent is strictly prohibited and may result in immediate termination without refund and legal action. Membership is personal to the enrolled member only. Violation will result in immediate termination without refund and possible legal action.

4. User Behavior & Community Conduct

Members agree to:

Treat all participants with respect and professionalism.
Refrain from harassment, discrimination, or disruptive conduct.
Keep other members' information confidential.
Recognize that The Wealtha Method™ provides education only. We are not licensed mental health professionals, and participation in the program should not be considered a substitute for therapy, counseling, or medical care. Members are encouraged to seek appropriate support from qualified professionals for any emotional, mental health, or personal wellbeing needs.
Community discussions are user-generated and for educational discussion only; the Company does not verify member posts and is not responsible for actions taken based on community messages.

Violations will result in suspension or permanent removal from the program without refund.

5. Membership Terms

Payment of tuition is due in full at enrollment. Membership begins immediately upon payment confirmation and access to materials. Once access is granted, membership fees are non-refundable.

5.1 Right to Refuse or Terminate Membership

The Company reserves the right, at its sole discretion, to refuse enrollment or terminate a membership at any time for reasons including but not limited to violation of these Terms, misconduct within the community, intellectual property misuse, fraudulent payment activity, or behavior that may harm the Company or its members.

Termination for violation of these Terms will not entitle the member to any refund.

5.2 Foundation Program - Access Period

Members enrolled in the Foundation Program are granted access to the Foundation course materials for a period of two (2) years from the date of their initial enrollment ("Access Period"). This access is retained regardless of whether the member subsequently enrolls in, renews, or exits any Elite or Legacy membership tier.

Upon expiry of the two-year Access Period, access to Foundation course materials will be discontinued. The Wealtha Method™ does not guarantee that course materials will remain unchanged, updated, or available beyond the Access Period.

Where the term "lifetime access" is used in connection with the Foundation Program in any of the Company's marketing or communications, it refers solely to the two-year Access Period defined in this clause, which constitutes the lifetime of the access grant for Foundation members.

No refund, extension, or compensation will be issued upon expiry of the Access Period.

6. No Refunds

Due to the digital nature of the Services and the immediate access provided to proprietary educational materials, all sales are final.

Once access to any portion of the Services has been granted, all tuition and membership payments are non-refundable, except where required by applicable law or in cases of:

Duplicate payment
Payment processing error
Failure by the Company to provide access within seventy-two (72) hours of confirmed payment (excluding circumstances caused by the Member's device, email filtering, network issues, payment reversals, or failure to complete onboarding)

7. Payment & Chargeback Policy

By enrolling, you authorize The Wealtha Method™, operated by FCA FZE-LLC, to collect full tuition via your chosen payment method.

You agree to first contact The Wealtha Method™ and allow at least seven (7) days for resolution of any billing dispute.

Important: Initiating a chargeback after access to the Services has been granted constitutes a material breach of these Terms. The Company reserves the right to immediately suspend or terminate access and to submit evidence of program delivery, access logs, communications, and participation records to the payment provider. The Company may also pursue recovery of unpaid tuition and reasonable administrative costs where permitted by law.

By purchasing, you request immediate access to digital content and acknowledge that any statutory withdrawal/cooling-off right may be lost once access begins, to the extent permitted by applicable law.

7.1 Accepted Payment Methods

Tuition may be paid by credit/debit card, bank transfer, or approved cryptocurrencies (such as USDT, BTC, or ETH, as specified).

7.2 Cryptocurrency Payments

If you pay tuition in cryptocurrency, you acknowledge and agree that:

All crypto transactions are irreversible once initiated.
You are solely responsible for ensuring the correct wallet address, blockchain network, and amount are used.
The Wealtha Method™ is not liable for any loss due to user error, network congestion, third-party exchange delays, or failed confirmations.
Membership access is activated only upon full on-chain confirmation of the payment.

7.3 Deposits

In certain cases, the Company may, at its sole discretion, allow a client to secure a membership spot through the payment of a deposit. Such deposits are strictly non-refundable under any circumstances, including but not limited to change of mind, financial hardship, or inability to participate.

Deposits are collected solely for the purpose of holding the applicant's spot in The Wealtha Method™ and preventing it from being passed on to the next person on the waitlist. Deposits do not entitle the applicant to early access to programs, materials, or community features.

Deposits shall be applied as a credit toward the applicant's total tuition balance once the full payment is completed. If the client fails to complete the remaining balance within the timeframe specified by the Company, the deposit will be forfeited in full, and the reserved spot may be released to another applicant.

7.4 Payment Plans

Payment plans are not available for the Foundation Program. Tuition for the Foundation Program must be paid in full and upfront before any access is provided. The Company may, at its discretion, offer payment-plan options for the Elite or Legacy Program only.

All Program payment plans must be fully completed within three (3) months from the initial payment date.

The payment plan constitutes a binding commitment to pay the entire tuition amount, even if participation ceases early.

Because the primary one-on-one video calls for Legacy and core curriculum occur within the first two months, the full tuition for both programs must be completed during that period.

Access to mentorship, course materials, or community features may be suspended or revoked if any scheduled payment is missed or delayed.

Defaulting on a payment plan immediately voids eligibility for any guarantee and may result in legal or collection action.

Upon default of any scheduled payment, the entire remaining tuition balance becomes immediately due and payable.

7.5 General Terms for Payment Plans

All payment-plan installments are non-refundable, regardless of participation level or completion status.

8. Marketing & Communication Consent

By joining, you consent to receive communications from The Wealtha Method™, including WhatsApp and email messages. You may unsubscribe from marketing emails at any time.

The Wealtha Method™ processes personal data in compliance with GDPR (for EU members) and CCPA (for California residents).

Any testimonials, screenshots, or member profit results shared by The Wealtha Method™ or its members are individual outcomes and not typical. The Wealtha Method™ does not audit or independently verify all member-submitted results. Your results may vary.

8.1 VIP & Referral Programs

From time to time, The Wealtha Method™ may choose to offer affiliate or referral opportunities. Unless expressly agreed in a separate written agreement signed by The Wealtha Method™, no member shall have any right to claim commissions, referral bonuses, revenue share, or compensation of any kind for recommending The Wealtha Method™ to others.

If an affiliate or referral arrangement is offered, it will:

Be governed exclusively by the specific affiliate/referral agreement issued by The Wealtha Method™;
Require compliance with The Wealtha Method™ brand, marketing, and conduct guidelines;
Be terminable by The Wealtha Method™ at any time, at its sole discretion, without prior notice.

Members acknowledge and agree that sharing referral links, testimonials, or recommendations does not entitle them to compensation unless they are formally enrolled in The Wealtha Method™ affiliate program under a signed agreement.

9. Platforms, Security & Privacy

We take reasonable steps to protect your data but cannot guarantee absolute security.

Use of The Wealtha Method™ services also constitutes agreement to our Privacy Policy (separate page).

9.1 Live Sessions & Recording

Live training sessions, mentorship calls, and group calls may be recorded for educational, documentation, and quality assurance purposes.

By participating in any live session provided by The Wealtha Method™, you consent to the recording and storage of such sessions.

These recordings remain the intellectual property of the Company and may be made available to members of the program.

Members are prohibited from recording, redistributing, or publishing any calls without prior written consent from the Company.

9.2 Platform Changes

In the event that Wealtha Academy migrates, upgrades, restructures, or transitions its services, community, content, or communication channels to a new website, platform, software, or system (a "Platform Transition"), the following terms apply:

Members will be provided with a minimum of thirty (30) days' notice to create a new account and migrate their membership access to the new platform, where applicable.
It is the sole responsibility of the member to complete all required steps within the stated transition period, including account creation, verification, and access confirmation.
Failure to complete the transition within the provided timeframe will result in permanent loss of membership access, including access to all materials, communities, services, and benefits associated with the membership.
Memberships that are not transitioned within the allotted period cannot be reactivated, reinstated, transferred, or recovered under any circumstances.
No refunds, credits, extensions, or compensation will be issued for failure to transition, regardless of reason, including but not limited to oversight, technical issues on the member's side, lack of engagement, or missed communications.
Platform Transitions do not constitute a termination of service by the Company and do not create any new refund rights or obligations beyond those expressly stated in these Terms.

10. Limitation of Liability

10.1 General Limitation

To the fullest extent permitted under UAE law, The Wealtha Method™ shall not be liable for any:

Direct, indirect, incidental, consequential, punitive, or exemplary damages.
Trading losses, missed opportunities, emotional distress, or claims based on reliance on The Wealtha Method™ content. The Company shall not be responsible for any trading losses or financial damages incurred as a result of decisions made by the member.
If you choose to use a VPN or other technical workaround, you do so at your own risk and sole responsibility. The Wealtha Method™ is not liable for any account restrictions, closures, or compliance issues that result from the use of VPNs or restricted exchanges. We do not recommend or encourage these methods.

Your sole remedy for dissatisfaction with The Wealtha Method™ services is discontinuation of membership.

10.2 Mentors

Wealtha Method ("WM") may from time to time provide access to mentors, coaches, or facilitators ("Mentors") as part of certain programs, including but not limited to the Elite and Legacy Program. All Mentors associated with WM act as independent contractors and not as employees, agents, partners, or representatives of WM. WM does not control the personal trading activity, opinions, or independent methods of its Mentors.

Any statements, guidance, opinions, experiences, or perspectives shared by Mentors during one-on-one calls, group sessions, written communications, or community interactions are provided solely for educational and informational purposes and reflect the personal opinions and experiences of the Mentor. Such statements do not constitute financial, investment, legal, or tax advice, and should not be relied upon as such. Mentors do not provide personalized investment advice, do not manage funds, do not execute trades on behalf of members, and do not assess the legal or regulatory suitability of trading activities for any individual member. All trading decisions, account setups, exchange access, and compliance with local laws remain the sole responsibility of the member.

WM assumes no liability for any actions, decisions, outcomes, losses, or damages arising from reliance on information shared by Mentors.

10.3 Guest Speakers / Third-Party Experts

From time to time, the Company may host guest speakers or third-party experts. Guest speakers are independent third parties and are not employees, agents, or representatives of the Company. Any statements shared by guest speakers are their own opinions provided for general educational purposes only. The Company does not endorse, verify, or guarantee the accuracy of third-party statements and assumes no liability for any actions taken in reliance upon them.

11. Dispute Resolution

Governing Law: These Terms are governed by the laws of the United Arab Emirates.

International Members (including U.S. residents): Any dispute shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

Arbitration shall be conducted before a single arbitrator; class actions are prohibited.

UAE-based disputes shall be subject to arbitration in Dubai under UAE arbitration law.

This clause survives termination of membership.

These Terms & Conditions are drafted in English and shall prevail in case of conflict with any translation.

11.1 Governing Law (Global)

These Terms are governed by the laws of the United Arab Emirates (UAE). All disputes shall be interpreted and enforced under UAE law, without regard to conflict of law principles.

11.2 Arbitration for U.S. Customers

For members residing in the United States, any dispute, claim, or controversy arising out of or related to these Terms or your use of the Company Sites and Materials shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.

No Class Actions: You and The Wealtha Method™ agree that disputes will not proceed as a class action, consolidated action, or representative action.
Arbitrator Authority: The arbitrator shall have the exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement.
Fees: Each party shall initially bear its own arbitration costs. However, the prevailing party may be awarded reasonable attorneys' fees, arbitrator fees, and costs, at the arbitrator's discretion.
Consumer Safeguard: In disputes where the claim is under USD $5,000, the customer shall not be required to pay more than half of the arbitration filing and arbitrator fees.
Confidentiality: Arbitration proceedings and awards shall remain strictly confidential.

To the extent any provision of these Terms conflicts with mandatory consumer protection laws of the member's jurisdiction, such provision shall be modified only to the minimum extent necessary to comply, and all remaining terms shall remain in full force.

11.3 UAE Jurisdiction Option (Company Right)

Notwithstanding Section 11.2, The Wealtha Method™ reserves the right, at its sole discretion, to pursue any claim against a member in the courts of Dubai, UAE (Small Claims or Civil Court), particularly in matters involving:

Recovery of unpaid tuition or chargebacks.
Misuse of intellectual property.
Breach of confidentiality or misconduct within The Wealtha Method™ community.

11.4 Survival

This dispute resolution (refund waivers, arbitration, and intellectual property) clause shall survive termination or expiration of these Terms and your membership indefinitely.

12. Indemnification

You agree to indemnify and hold harmless The Wealtha Method™, its affiliates, directors, and staff from any claims, damages, costs, or liabilities arising from your actions, misuse of the program, or violation of these Terms.

13. Force Majeure

The Wealtha Method™ shall not be liable for delays or failures caused by events beyond its control, including exchange restrictions, regulatory actions, internet outages, or acts of God.

14. Miscellaneous

These Terms constitute the entire agreement between you and The Wealtha Method™.

If any provision is found unenforceable, the remainder shall continue in effect.

The Wealtha Method™ reserves the right to update these Terms at any time; continued use of services constitutes acceptance of such updates.

In the event of material changes to these Terms, the Company will provide notice via email or a prominent website notice at least fourteen (14) days prior to the changes taking effect.

Legal Notices: Formal legal notices to The Wealtha Method™ must be sent in writing to: FCA FZE LLC, Amber Gem Tower, Ajman, UAE and by email to: support@wealthamethod.com. Notices are deemed received three (3) business days after sending.

15. Retreat Participation, Insurance & Liability Waiver

By registering for and/or attending any retreat, event, or in-person gathering hosted or facilitated by The Wealtha Method™ ("Retreat"), you agree to the following additional terms:

Personal Responsibility

Participation in Retreats is entirely voluntary. You are solely responsible for your own health, safety, well-being, and belongings throughout the duration of the Retreat.

Insurance Requirement

All participants are required to maintain their own comprehensive travel and medical insurance covering, at a minimum, illness, accidents, medical treatment, hospitalisation, evacuation, cancellations, delays, and loss of personal property. Proof of valid insurance may be requested prior to participation.

No Liability

The Wealtha Method™, its owners, affiliates, staff, contractors, or representatives shall not be liable for any injury, illness, accident, loss, damage, delay, cancellation, natural disaster, act of terrorism, or any other unforeseen event that may occur before, during, or after the Retreat.

Wellness & Activities Disclaimer

Some Retreats may include optional physical, wellness, or experiential activities (e.g., yoga, hiking, ceremonies, excursions). Participation in any such activity is at your sole risk. The Wealtha Method™ makes no warranties regarding the safety or suitability of any third-party providers or venues.

Third-Party Services

Retreats may involve services provided by independent third parties (such as hotels, transport providers, wellness practitioners, chefs). The Wealtha Method™ is not responsible for the acts, omissions, errors, or negligence of such third parties.

Release of Claims

By attending a Retreat, you fully release, indemnify, and hold harmless The Wealtha Method™ and its representatives from any and all claims, demands, causes of action, damages, or liabilities of any kind arising from or relating to your participation.

Acknowledgment

By registering for a Retreat, you confirm you have read, understood, and accepted this waiver. Participation constitutes express acceptance of these Retreat terms in addition to the general The Wealtha Method™ Terms & Conditions.

Retreat Payments & Refund Policy

All Retreat bookings and tuition payments are strictly non-refundable, regardless of circumstance. If you are unable to attend after booking, you may request in writing that your place be transferred to another individual approved by The Wealtha Method™, subject to its discretion. The Wealtha Method™ is not obligated to facilitate or guarantee such transfers. By booking a Retreat, you expressly waive any right to seek a refund, chargeback, or reversal of payment.

The Wealtha Method™ — private trading education for women.