Terms of Sale

1. Who these terms are between

These terms are between FENIXAM MANAGEMENT CONSULTING CO. L.L.C, trading as The Ay Am, and the person accepted into and paying for a place in the Program. The agreement between us is these terms together with the written enrolment confirmation.

2. Application and acceptance

The Program is application-only. Applying, attending a call or expressing interest creates no contract. The contract forms only on our written acceptance together with your first payment. We may decline any application at our discretion and without giving reasons, and may close applications at any time.

3. What you receive

• Six months from the start date set out in your enrolment confirmation.
• Six live modules across the term.
• A weekly live themed teaching session plus a live group Q&A.
• Access to worksheets, templates and recordings for the term.

The format is a group program. There is no unlimited or on-demand one-to-one access outside scheduled sessions, and no service is performed on your behalf.

4. Price and payment

Payment is made in full before the start date or by instalment plan. The full price is confirmed to you in writing before enrolment.

• The full price is payable in every case; an instalment plan is a payment schedule, not a subscription.
• Instalments are charged automatically on the confirmed dates.

Bank fees, currency conversion costs and local transaction taxes are your responsibility.

5. Start date and delivery

The start date is set out in your enrolment confirmation. The Program is delivered online via Systeme.io and scheduled in Australian time zones. Attending sessions or watching recordings is your responsibility. Missing a live session does not entitle you to a refund, a make-up session or a private replacement.

7. What the Program is not

The Program is education and strategy coaching. It is not personal financial advice, financial product advice, credit assistance, legal, tax or accounting services, or a real estate service. We do not find, select, recommend, negotiate or sell property, and we do not arrange finance. Specialist steps are performed by your own licensed professionals, and you remain responsible for your own decisions, including borrowing and buying.

8. No guaranteed outcome

We make no promise of income, valuation, borrowing capacity, property purchase, return or financial outcome. Results shown in our marketing are individual and not typical. Your results depend on your starting position, effort, advisers and market conditions.

9. Your obligations and conduct

You agree to provide accurate information and to treat participants and the team with respect. Soliciting or recruiting inside the group is not permitted. We may suspend or terminate your place without refund for abuse, sharing confidential group material, breach of section 10, or making payment impossible.

10. Intellectual property and confidentiality

All materials, including recordings, frameworks, worksheets, templates and the Leverage Loop methodology, remain ours. You receive a personal, non-transferable licence to use them for your own business and financial planning for the term. You may not record sessions, share logins, resell, republish or distribute materials, or use them to build a competing program. What other participants disclose stays in the group.

11. Changes to the Program

We may adjust the schedule, session times, teaching order, platform and guest contributors where reasonably necessary, without materially reducing the scope or value of the Program. Sessions that cannot run are rescheduled or recorded.

12. Liability

Where Australian Consumer Law applies, our services come with guarantees that cannot be excluded. A major failure entitles you to cancel and be refunded for the unused part, or to be compensated for the reduction in value. A non-major failure entitles you to have the problem fixed within a reasonable time. Subject to that and to the maximum extent permitted by law, our total liability is capped at the fees you have paid, and we are not liable for indirect or consequential loss, lost profits, lost opportunity, investment losses, or losses arising from decisions taken on the advice of your own professionals.

13. Force majeure

We are not liable for delay or failure caused by events outside our reasonable control, including serious illness, natural disaster, war or communications failure. Affected sessions are rescheduled rather than cancelled wherever possible.

15. Transfer

Your place is personal. It is not transferable, shareable with a partner or spouse, or resellable without our written consent. A second person from the same business may attend only by written agreement and payment of any additional fee.

16. Complaints

Email ayda.leverageloop@outlook.com first with a description of the issue. We aim to respond within 24 hours and will attempt direct resolution before any other step.

17. Governing law

These terms are governed by the laws of New South Wales, Australia, and the courts of that place have non-exclusive jurisdiction. This does not remove mandatory consumer protections available where you live.

18. Whole agreement

These terms together with your written enrolment confirmation are the whole agreement between us, replacing anything said on a sales call, in marketing or in messages unless confirmed in writing. If any provision is found unenforceable, the remaining provisions continue in force.