These Terms of Services (the "Agreement" or the "Offer") are issued by Financial EducationLimited ("we", "our", or the "Company"), a companyincorporated under the laws of the Cayman Islands, with its registered office at P.O. Box 31119, Grand Pavilion, HibiscusWay, 802 West Bay Road, Grand Cayman, KY1-1205, Cayman Islands.
This Offer applies to any individual or legal entity ("you", the "Client" or "User") who participates in or intends to receive our informational and consulting servicesthrough the INFOPRENEUR program, whether provided free of charge or on a paid basis, and accepts these Terms by completing registration, submitting an application form, making payment (where applicable), or performing any other action that clearly indicates consent.
By accepting this Offer, you confirm that you have read, understood, and agreed to be legallybound by these Terms. This Agreement defines the framework, scope, and procedure for the provision of our informational and consulting services and sets out the respective rights and obligations of the parties.

1.  KEY TERMS"Program" refers to INFOPRENEUR — the complete launch system developed by the Company — an informational and consulting program consisting of 8 modules (55+ recorded lessons) covering every stage of buildingand executing digitalproduct launches, from foundation to webinar to scaling, as described on the official website at kralowchallenge.com/info_preneur.
"Services" mean access to informational materials, digital content, live or recorded sessions, community channels, frameworks, templates, scripts, and the Lexi AI Platform delivered as part of the Program, as well as any optional upgrades or supplementary products offered through the same platform.
"Access Options" refer to the three participation tiers available under the Program: (i) INFOPRENEUR ($1,997 one-time), (ii) INFOPRENEUR VIP ($3,497 one-time), and (iii) Mentorship ($25,000, application required), as specified on the relevant registration or payment pages.
"Website" means the Company's official online platform at kralowchallenge.com or any other authorized system through which the Program is delivered and the Services are provided.
"Payment" means any completed financial transaction confirming participation in a paid Access Option of the Program.
"Lexi AI Platform" means the Company's proprietary artificial intelligence tool, trained on real launch data from producers and experts, included on all paid Access Options. Lexi generates interactive mind maps for funnels, decomposes launches into tasks, runs financial calculations, builds presentations, and provides launch-specific guidance.
"Abusive Behavior" refers to any form of inappropriate, offensive, or disruptive conduct within the Program's digital environment, including hate speech, harassment, spam, unauthorized advertising,

aggressive or disrespectful communication, or actions that negatively affect other participants or the integrity of community spaces (e.g., cohort group chats, private groups, live sessions).
"Acceptance of Offer" means the User's explicit consent to be legally bound by the terms of this Agreement, expressed by completing registration, submitting an application form, making payment, clicking an "I Agree" checkbox, or otherwise clearly affirming consent.
"Growth Partner" means a participant who, using the skills and frameworks acquired through the Program, finds creators or experts and runs digital product launches on their behalf, typically earning 25–50% of the resulting revenue.
"Self-Launch Expert" means a participant who uses the Program to build and launch their own digital products or services using their existing audience and expertise.

2.  DESCRIPTION OF SERVICES2.1.   The Programis an informational and consulting initiative providing participants with a structured, step-by-step system for building and executing digital product launches. It includes recorded video modules, frameworks, templates, scripts, and consulting support delivered entirely online through the Company's designated digital platform.
2.2.  The Program is organized into the following modules, each addressing a distinct stage of the launch process: Module 0 (Foundation: Enter The Game — mindset, financial targets, and launch fundamentals); Module 1 (Launch Fundamentals: how money is made, attention cycles, the 5 core launch stages, and 6 launch types); Bonus Module (How To Find A Partner:identifying experts, truststages, outreach, proposals, negotiation, and partnership agreements); Module 2 (Launch Planning: planning systems, audience psychology, team management, and risk preparation); Module 3 (Launch Architecture: buyer psychology, the Meaning Cloud system, warm-up sequences, and pre-launch diagnostics); Module 4 (Webinar Sales System: webinar structure, offer presentation, objection handling, energy and delivery, and technical setup); Module 5 (Product Design: identifying the pain point that pays, product architecture, naming, pricing, and product suite building); and Module 6 (Basic Setup: minimum tech requirements, sales hub, product pages, and payment setup).
2.3.  The Program is designed for two distinct User paths: (i) Self-Launch Experts — creators, coaches, consultants, or specialists with an existing audience (3,000+ followers) who wish to turn their knowledge into a digital product launch; and (ii) Growth Partners — individuals without an existing audience who wish to build launches for experts and earn 25–50% of generated revenue.
2.4.  Under this Agreement, the Company provides the following Services (subject to the selected Access Option): (a) access to all recorded modules, lessons, frameworks, templates, and scripts; (b) access to the Lexi AI Platform; (c) access to the cohort group chat for community and peer support; (d) for VIP tier: one weekly Q&A; call with Leyla Greenhill, a welcome call with Leyla and Thomas in week one, personal mentor support in chat, one monthly call with a personal mentor, Business Tinder partner-matching tool, a small group chat (up to 10 people), and a certificate of completion; (e) for Mentorship tier: a strategy session and full launch plan in week one, one weekly call with a VIP tracker, two personal calls per month with Leyla Greenhill, up to two monthlycalls with Leyla'score team on request, directchat with Leylaand the trackerfor the full 3 months, personalized positioning, offer, funnel, content, and sales process, and a live launch executed under Leyla's strategic direction.

2.5.  By registering or making payment, you confirm that you have reviewed the official description of the Program and its content as presented on the Company's website. You acknowledge that the Program's structure, scope, and features have been clearly explained to you prior to participation, and you have no claims or misunderstandings regarding the nature, duration, or content of the Services.
2.6.  All Services provided under the Program are strictly informational and consulting in nature. They do not constitute investment, financial, legal, or educational advice under any applicable laws. You acknowledge that your experience and results — including revenuegenerated — depend solely on your individual actions, decisions, and level of engagement. Any revenue figures referenced on the Website (e.g., $20M+ total launch revenue, $37K–$75K averageper Growth Partnerpartnership, $75K–$100K averagelaunch revenue for studentswith 5K followers) represent past results of specific participants and are not guarantees of future performance.
2.7.  The Company reserves the right to modify the content, structure, or delivery method of the Program at any time, provided such changes do not materially reduce the overall value or scope of the Services. All updates or reorganizations of Program content shall be considered part of the ongoing Service.

3.  PAYMENT TERMS3.1.  Participation in the Program is available at three price points: INFOPRENEUR at $1,997 (one-time payment, 3 months of access);INFOPRENEUR VIP at $3,497 (one-time payment, 3 monthsof access); and Mentorship at $25,000 (3-month program, application required). All prices are denominated in US dollars. Participation is provided on a 100% prepayment basis. Access is granted only after payment is confirmed in full.
3.2.  Users who initially purchase INFOPRENEUR may upgrade to INFOPRENEUR VIP by paying the price difference. Upgrade from INFOPRENEUR or VIP to Mentorship requires a separate application call, as Mentorship has entry requirements: Experts must have an audience of 5,000+ or a budget for cold traffic; Producers must have prior launches of $10,000 or more.
3.3. Payments are processedthrough secure online payment systems.You may pay using international bank cards, supported digital wallets, or other authorized payment methods. You are responsible for any currency conversion fees, network costs, or transaction commissions charged by your payment provider. The Company does not store complete payment information and is not responsible for interruptions caused by third-party payment systems.
3.4.  By making payment, you confirm that you have read, understood, and agreed to this Offer in full. Your payment constitutes full and unconditional acceptance of this Agreement.

4.  REFUND POLICY4.1.  The Company provides a 7-day money-back guarantee for all paid Access Options, starting from the date on which the User is first granted access to the relevant Services.
4.2.  The User may request a refund within the applicable 7-day period regardless of whether access has already been granted, accessed, or used — including viewing recorded materials, attending sessions, downloading digital content, or participating in community channels.
4.3.  To request a refund, the User must contact the Company in writing via the official email address indicated on the Website and include their full name, payment details,and the email address used during

purchase. The Company may request limited information solely to verify the identity of the User and the relevant transaction.
4.4.   Refunds are issued to the same payment method originally used, unless technically impossible. Processing is initiated within thirty (30) calendar days from the Company's confirmation of the refund request.
4.5. Refunds will not be providedafter the applicable 7-day period has expired, in cases of fraud, chargeback abuse, repeated or abusiverefund requests, or where the Company cannotreasonably verify the transaction or the User's identity.
4.6.  This refund policy constitutes a voluntary customer guarantee and not a statutory right of withdrawal under any applicable consumer law. The Services are digital informational and consulting services delivered with the User's express consent to immediate performance.

5.  SERVICE DELIVERY5.1.  All Services are provided remotely through the Company's online platform. Access details are provided after successful registration (free participation) or, for paid options, after payment confirmation. By completing registration or payment, you expressly consent to the immediate start of Service delivery.
5.2.  All recorded lessons are available at the User's own pace. Access to Program materials, community channels, live calls (where applicable), and other featuresis provided for the period specified for the relevant Access Option (3 months for INFOPRENEUR and VIP; 3 months for Mentorship).
5.3.  The Company's obligations are deemed performed and the Services considered delivered once access to the relevant Program content, materials, or communication channels has been granted to the User. Any access, viewing, participation, downloading, or other use of the Services constitutes consumption of the Services for purposes of this Agreement.
5.4.  Your access to the Program is personal and non-transferable. You may not share, resell, sublicense, or otherwise disclose Program materials, login credentials, or any other content to third parties without the Company's prior written consent.
5.5.   General informational support or responses to participant inquiries provided through designated communication channels (including cohort chats and mentor calls) are not guaranteed to be continuous and shall not be interpreted as an obligation to provide ongoing individualized advisory or technical support beyond what is specified for the relevant Access Option.

6.  LIMITATION OF LIABILITY AND DISCLAIMERS6.1.  All Services provided under this Agreement are informational and consulting in nature. The Program is intended solely to provide structured knowledge, practical frameworks, and analytical tools related to digital product launches. It does not constitute financial, investment, legal, tax, or educational advice, nor does it involve fiduciary duties or decision-making on behalf of the User.
6.2.  The Company does not guarantee that participation in the Program will lead to any specific financial outcome, revenue figure, or business result. All revenue figures referenced on the Website reflect past results of specific participants under specific conditions and are not projections or warranties of future performance.

6.3.  To the fullest extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, or consequential damages — including loss of profit, opportunity, goodwill, or data — arising out of or in connection with your participation in the Program. The Company's total aggregate liability shall not exceed the total amount actually paid by you for the relevant Access Option.
6.4.  The Company shall not be responsible for the performance, availability, or security of any third-party services used to deliver the Program, including payment processors, hosting providers, and communication tools.
6.5.   You acknowledge that any decisions or actions taken based on information obtained through the Program are taken entirely at your own discretion and risk.

7.  INTELLECTUAL PROPERTY AND CONFIDENTIALITY7.1.  All materials, frameworks, scripts, templates, recorded lessons, visuals, digital content, and the Lexi AI Platform made available under the Program (collectively, the "Materials") are and shall remain the exclusive intellectual property of the Company or its authorized licensors. Your access to the Materials is limited to personal, non-commercial use within the scope of this Agreement. No ownership rights or intellectual property licenses are transferred to you.
7.2.  You may not reproduce, copy, share, distribute, publicly display, transmit, modify, or otherwise make the Materials available to any third party without the Company's prior written consent. Unauthorized use constitutes a material breach of this Agreement and may result in immediate termination of access without refund, in addition to other legal remedies.
7.3.  You agree to treat as confidential all non-public information obtained through your participation in the Program, including business processes, internal methods, communication content, and private interactions within community spaces.
7.4.  All trademarks, trade names, service marks, logos, and brand identifiers — including INFOPRENEUR, Lexi AI, and any associated marks — are the property of the Company or its affiliates. You may not use, reproduce, or reference these identifiers for promotional or commercial purposes without the Company's prior written authorization.

8.  TERMINATION OF ACCESS8.1.The Companyreserves the right to suspendor terminate your access — temporarily or permanently — if you violate any term of this Agreement, engage in AbusiveBehavior, share or misuse Materials, or otherwise compromise the integrity or security of the Program. Termination may also occur if the Program is discontinued, reorganized, or replaced. Termination or suspension due to the User's breach shall not entitle the User to any refund.
8.2.  Upon termination or expiration of this Agreement, all provisions that by their nature are intended to survive — including those relating to intellectual property, confidentiality, limitation of liability, payment obligations, and dispute resolution — shall remain in full force and effect.

9.  GOVERNING LAW AND DISPUTE RESOLUTION9.1.This Agreementshall be governedby and construed in accordance with the laws of the Cayman Islands, without regard to its conflict of law principles.

9.2.  The Parties shall make reasonable efforts to resolve any disputes through good-faith negotiations. If no amicable solution is reached, the dispute shall be submitted to the competent courts of the Cayman Islands, unless otherwise required by mandatory consumer protection laws applicable to the User's country of residence.
9.3.  All communications and legal proceedings under this Agreement shall be conducted in the English language, unless the Parties expressly agree otherwise in writing.

10.  MISCELLANEOUS10.1.  Entire Agreement. This Agreement constitutes the entire understanding between you and the Company regarding the provision of informational and consulting Services under the INFOPRENEUR program and supersedes all prior communications or agreements, whether written or oral.
10.2.  Amendments. The Company may update or modify this Agreement from time to time. The most recent version will always be available on the Website. Your continued participation after updates take effect constitutes your acceptance of the revised terms.
10.3.  Notices. All official communications and notices shall be made in writing via the email addresses provided by the Parties, unless another communication channel is expressly designated by the Company.
10.4.   Force Majeure. Neither Party shall be liable for any delay or failure in performance caused by circumstances beyond its reasonable control — including acts of nature, war, civil unrest, strikes, government restrictions, or interruptions of hosting, communication, or payment systems. Payment obligations remain valid unless the payment system itself is directly affected.
10.5.  Privacy and Data Protection. The Company processes personal data in accordance with applicable data protection laws. Your data is used solely to provide access to the Program, process payments, and maintain communication. By accepting this Offer, you confirm that you have read and agree to the Company's Privacy Policy, available on the Website.
10.6.   Severability. If any provision of this Agreement is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
10.7.  Language and Interpretation. This Agreement is drafted in the English language. Headings are for reference only and shall not affect the interpretation of any provision.




Contact DetailsFinancial Education Limited
P.O. Box 31119, Grand Pavilion, Hibiscus Way,
802 West Bay Road,Grand Cayman, KY1-1205, Cayman Islands Website: kralowchallenge.com/info_preneur