REFUND POLICY

Financial Mastery Framework™

 

This Refund Policy forms part of, and must be read in conjunction with, the Terms and Conditions, Privacy Policy, Disclaimer, and any Programme Agreement issued by Financial Mastery Framework™, operated by Zest Management Consultancies FZCO (“FMF”, “we”, “us”, or “our”).
By purchasing any product, membership, training, coaching, mentoring, event ticket, digital content, or educational programme from FMF, you agree to this Refund Policy.
This Refund Policy may be updated periodically without prior notice. The latest published version shall apply.

1. GENERAL POLICY

1.1 Due to the nature of digital education, coaching, mentoring, live events, downloadable materials, intellectual property, restricted-access content, and immediate access to proprietary systems and methodologies, all purchases made through FMF are generally non-refundable.

1.2 By completing a purchase, you acknowledge and accept that: (a) educational content may be accessed immediately following payment; (b) access to proprietary intellectual property and systems creates irreversible value transfer; (c) places on live programmes, mentorships, workshops, retreats, and events are limited and reserved in advance; and (d) FMF incurs administrative, staffing, licensing, venue, technology, and operational costs immediately upon booking.

1.3 No refunds shall ordinarily be issued for: (a) change of mind; (b) lack of participation or engagement; (c) failure to attend live sessions or events; (d) inability to implement training; (e) disagreement with opinions, strategies, or methodologies taught; (f) business, financial, investment, or personal outcomes not meeting expectations; (g) failure to complete coursework or assigned actions; (h) scheduling conflicts; (i) travel or accommodation expenses; (j) internet connectivity or device issues outside our control; or (k) failure to read programme descriptions, terms, or requirements before purchase.

 

2. UK CONSUMER RIGHTS

2.1 Where mandatory consumer protection laws apply, including for certain UK-based consumers purchasing online, FMF acknowledges that statutory rights cannot be excluded.

2.2 Under UK consumer legislation, consumers may in some circumstances have a limited right to cancel certain distance purchases within 14 days.

2.3 However, where digital content, online training, live programme access, downloadable materials, mentorship access, community access, or educational services are supplied
immediately upon purchase or before the cancellation period expires, you expressly: (a) request immediate access and performance; and (b) acknowledge that your statutory cancellation rights may be reduced or lost once delivery or access begins.

2.4 By accessing any member area, downloading materials, attending sessions, joining communities, viewing content, or using programme resources, you acknowledge that the service has commenced.

 

3. MEMBERSHIPS, SUBSCRIPTIONS, AND PAYMENT PLANS

3.1 Certain FMF memberships operate on minimum commitment periods as clearly stated at the point of sale.

3.2 Membership fees, instalment plans, and subscription payments remain payable for the agreed contractual term regardless of usage, attendance, business performance, or participation levels.

3.3 Failure to use the programme does not release you from payment obligations.

3.4 Cancelling a payment method, direct debit, standing order, or card authority without written agreement from FMF shall constitute a breach of contract.

3.5 Where payment plans are offered, these are payment facilities and not monthly cancellation subscriptions unless expressly stated otherwise.

4. LIVE EVENTS, SEMINARS, RETREATS, AND IN-PERSON TRAINING

4.1 Event tickets, retreats, workshops, mastermind sessions, and in-person training purchases are non-refundable.

4.2 If you are unable to attend an event, FMF may, at its sole discretion: (a) permit a transfer to a future event; (b) issue account credit; or (c) permit ticket transfer to another individual.

4.3 Any transfer request must be made in writing no later than 14 days before the relevant event date.

4.4 Hotel accommodation, travel costs, visa costs, transportation, meals, or other third-party expenses are entirely your responsibility and are not refundable by FMF under any circumstances.

4.5 FMF reserves the right to: (a) change event dates; (b) change venues or locations; (c) substitute venues; (d) modify event formats; (e) move events online; (f) alter schedules, speakers, session order, or programme content; or (g) postpone or cancel events where reasonably necessary.

4.6 Circumstances requiring changes may include, but are not limited to: (a) health and safety concerns; (b) venue issues or venue unavailability; (c) force majeure events; (d) governmental restrictions; (e) travel disruption; (f) adverse weather; (g) supplier or contractor failures; (h) security concerns; (i) operational requirements; (j) low attendance levels; (k) technical failures; or (l) circumstances outside FMF’s reasonable control.

4.7 Where an in-person event is postponed or relocated, FMF may provide: (a) transfer to the revised event; (b) access to an alternative event; (c) online attendance access; or (d) account credit, at its sole discretion.

4.8 FMF shall not be liable for: (a) accommodation costs; (b) flights; (c) transportation; (d) visa expenses; (e) subsistence expenses; (f) loss of earnings; (g) consequential losses; or (h) third-party cancellation charges incurred by participants.

4.9 Participants are solely responsible for arranging appropriate travel insurance and cancellation protection for any third-party bookings or expenses associated with attendance at FMF events or retreats.

4.10 No refund shall be due solely because: (a) an event venue changes; (b) an event date changes; (c) a venue is substituted; (d) a speaker lineup changes; (e) an event format changes; or (f) attendance is moved partially or fully online due to operational necessity.

 

5. BLACK BELT, APPLICATION-ONLY, AND HIGH-LEVEL PROGRAMMES

5.1 Certain programmes may involve application screening, limited availability, strategic mentoring access, confidential business methodologies, or direct access to senior members of FMF.
5.2 Due to the allocation of time, strategic access, confidential intellectual property, and limited capacity, all accepted Black Belt or equivalent advanced programme purchases are strictly non-refundable unless otherwise required by applicable law.

 

6. CHARGEBACKS AND PAYMENT DISPUTES

6.1 You agree to contact FMF directly before initiating any chargeback, payment dispute, or banking claim.

6.2 Initiating unjustified chargebacks, fraudulent payment disputes, or payment reversals after receiving access to products or services may constitute breach of contract and unlawful conduct.

6.3 FMF reserves the right to: (a) suspend or terminate programme access; (b) revoke certifications or memberships; (c) deny future access to services; (d) pursue recovery of outstanding sums; (e) provide evidence to payment processors, banks, courts, or regulatory authorities; and (f) recover legal and administrative costs where permitted by law.

 

7. EXCEPTIONAL CIRCUMSTANCES

7.1 FMF may consider refund requests in exceptional circumstances at its sole and absolute discretion.

7.2 Any discretionary refund, partial refund, credit, or transfer shall not create a legal obligation or precedent for future cases.

7.3 Any approved refund may be subject to deductions including: (a) payment processor fees; (b) administrative charges; (c) consumed training value; (d) attended session value; (e) downloaded materials value; and (f) any other costs reasonably incurred by FMF.

 

8. UNETHICAL, FRAUDULENT, OR ABUSIVE ACTIVITY

8.1 FMF reserves the right to suspend, terminate, or refuse access without refund where a participant: (a) engages in abusive, threatening, discriminatory, or disruptive behaviour; (b) disrupts programmes or events; (c) attempts to misuse systems, discounts, offers, or promotional codes; (d) shares proprietary materials without authorisation; (e) engages in unlawful conduct; (f) records confidential sessions without permission; (g) attempts to reverse engineer proprietary methodologies; or (h) breaches the Terms and Conditions, Code of Conduct, or Programme Rules.

8.2 Orders or enrolments obtained through technical manipulation, fraud, payment irregularities, or misuse of promotional systems may be cancelled without refund.

 

9. BUSINESS RESULTS DISCLAIMER

9.1 FMF does not guarantee financial results, investment returns, business success, property acquisitions, credit approvals, income levels, or wealth generation outcomes

9.2 Outcomes depend on numerous factors outside FMF’s control including: (a) market conditions; (b) economic changes; (c) legislation; (d) personal capability; (e) implementation effort; (f) risk tolerance; (g) creditworthiness; (h) business experience; and (i) individual decision-making.

9.3 Dissatisfaction with personal results does not constitute grounds for refund.

 

10. CONTACT DETAILS

Refund-related queries must be submitted in writing to:
[email protected]

 

11. GOVERNING LAW

11.1 This Refund Policy shall be governed by and interpreted in accordance with the laws of the United Arab Emirates and the Emirate of Dubai.

11.2 Where mandatory consumer protection laws in another jurisdiction apply and cannot legally be excluded, those mandatory rights shall apply only to the minimum extent required by law.