GRC Advocates Pty Limited ABN 38 275 474 316

These terms and conditions form the basis of the agreement between you and GRC Advocates Pty Ltd (ABN 38 275 474 316). The agreement consists of the following documents:

• These Terms and Conditions;

• The completed Application Form including an Application Questionnaire (where applicable), completed either online or offline;

• The Enrolment Package Outline; and

• Our Privacy Policy.

The Agreement

By signing the Application Form, paying the Minimum Deposit, or by signing up online to a GRC Advocates Coaching Package, you agree to be bound by these Terms & Conditions (“Terms”) and our Privacy Policy.

We suggest that before you sign the registration form or orally agree to us providing Services that you read through these terms and conditions. If you have any questions concerning them, please ask us.

You should keep a copy of these terms and conditions for your records.

Definitions

Application Form means the document which sets out your personal details, selected GRC Advocates Program, details of the agreed payment method.

Application Questionnaire means the questionnaire containing questions relevant to your business that is sent to you following your enrolment in any of the GRC Advocates programs, for you to complete.

Enrolment Package Outline means the document containing the description of any of the GRC Advocates programs and the included services on offer from time to time.

Event means a retreat, seminar, networking event, coaching session or promotion and other planned sessions organised or produced by GRC Advocates, whether live or online.

Intellectual Property means all intellectual property rights of whatever nature anywhere in the world conferred under statute, common law or equity and includes rights in respect of or in connection with copyright, whether or not registered or registrable, and includes the right to apply for or renew the registration of such rights.

Losses means all losses including financial losses, damages, legal costs and other expenses of any nature whatsoever.

Minimum Deposit is the amount specified as the minimum deposit payable for the selected GRC Advocates Program in the Application Form.

Online Content means all content on the GRC Advocates website (www.pascalxavier.com, relevant landing pages and social media) including but not limited to eBooks, tables, educational materials, apps, video webinars, and audio material.

Paid in Full Payment means payment of the entire cost of the selected GRC Advocates Program at the time of signing the Application Form or signing up online.

Participant means any person enrolled in any selected GRC Advocates Program.

Payment Plan means an installment arrangement for the payment of the full cost of the selected GRC Advocates Program in equal installments, the first payment being due prior to commencement of the selected GRC Advocates Program.

Selected GRC Advocates Program means the level of services that you have selected to receive at the time of signing the Application Form, as outlined in the Enrolment Package Outline.

GRC Advocates Client and/or You means the individual named in the Application Form.

GRC Advocates Website means the website www.pascalxavier.com and all associated subdomains and mobile websites.

GRC Advocates Member Website means the parts of the website to which access is limited to clients currently enrolled in a selected GRC Advocates Program.

GRC Advocates Member Facebook Group means the closed Facebook group for clients of GRC Advocates.

GRC Advocates, We, Us and Our refers to GRC Advocates Pty Limited and includes the director, representatives and assigned persons.

GRC Advocates Coaching Packages means all products and services provided by GRC Advocates including but not limited to mentoring programs, products, seminars, online content, coaching, consulting, marketing services and media containing recorded materials, photography and videography.

Enrolment and Payment

1. Enrolment in the selected GRC Advocates Program is subject to approval by GRC Advocates.

1.1 Completion of the details in the Enrolment Package outline including the Application Form and Application Questionnaire; and

1.2 Payment of the Minimum Deposit, or if applicable, a Paid in Full Payment.

2. Completion of the Application Questionnaire provides information about you which enables GRC Advocates to:

2.1 Ensure your suitability for enrolment in the Selected GRC Advocates Program;

2.2 Confirm your intention to commit to this Agreement for the full term; and

2.3 If applicable, tailor the Selected GRC Advocates Program to your specific business and personal needs.

3. Payment for the selected GRC Advocates Program may be made either by a Paid in Full Payment at the time of enrolment, or by way of a Payment Plan.

4. The pricing for all GRC Advocates Coaching Packages is outlined in the Enrolment Package Outline and may be updated by GRC Advocates at any time.

5. The price does not include travel or accommodation costs associated with any Event included in the selected GRC Advocates Program.

6. If you are accepted into the selected GRC Advocates Program, you are responsible for the payment of fees for the entire course of the Program regardless of whether you attend or complete the work involved.

7. Payment for the selected GRC Advocates Program may be made either by a Paid in Full Payment at the time of enrolment, or by way of a Payment Plan.

8. If you do not make a Paid in Full Payment prior to the date for final payment outlined in the Enrolment Package Outline, then you will be charged the Payment Plan price for the Selected GRC Advocates Program.

9. Payment Plans will be approved subject to you providing us your credit card or debit card details for payments on the date of completing the Application Form.

10. Intake periods for certain GRC Advocates Programs are seasonal and commence in certain months of the year. If numbers have been exceeded for your required intake period, you will be admitted into the next available intake period.

11. You acknowledge that if you are accepted into the Selected GRC Advocates Program, you are responsible for the payment of fees for the entire course of the Selected GRC Advocates Program, regardless of whether you actually attend or complete the work involved and regardless of whether you have selected a Paid In Full Payment or Payment Plan. No refunds will be issued, and all payments must be made. If a payment remains outstanding for greater than 30 days, the balance for the remainder of payments becomes due immediately and an invoice will be issued for the full amount.

12. Your enrolment in the Selected GRC Advocates Program may not be resold, transferred or offered for resale at a premium (including via online auction sites) or used for advertising, promotion or other commercial purposes (including competitions and trade promotions) or to enhance the demand for other goods and services, either by the original purchaser or any subsequent bearer without the prior written consent of GRC Advocates and other than in accordance with the conditions set out in this agreement. If an enrolment in a GRC Advocates Program is sold, transferred or used in breach of this clause, the enrolment may be cancelled without a refund, and the bearer of the enrolment may be refused admission to the Selected GRC Advocates Program.

13. Upon completion of your application you will nominate the specific date for attending the GRC Advocates Program.

Cooling Off Period

14. If you choose to cancel your enrolment for any reason within 7 days of signing the Application Form (“cooling-off period”), we will refund the total amount paid minus your minimum deposit.

14A. The Minimum Deposit forms part of the Program Fee irrespective of whether payment is made by Payment Plan or Paid in Full Payment.

14B. Where a Participant cancels during the Cooling-Off Period, GRC Advocates will retain the Minimum Deposit and refund any remaining amounts paid.

15. Notice of cancellation within the cooling off period must be given by email.

16. After expiry of the cooling off period, cancellations will not be accepted except at the sole discretion of GRC Advocates.

Payment Plans

17. Payments are in equal instalments as set out in the Enrolment Package Outline and must be paid when it is due.

18. Changes to the GRC Advocates Payment Plan are at the absolute discretion of GRC Advocates.

19. If payment is declined, GRC Advocates reserves the right to charge any merchant processing fees or penalties incurred.

Outstanding Fees

20. If monies remain outstanding for over 30 days, GRC Advocates reserves the right to:

• Charge interest on outstanding amounts;

• Report non-payment to a credit reporting agency; and

• Assign debt collection rights to a third party.

Refunds and Termination

21. Occasionally we may need to cancel a Program. In the event of cancellation without reschedule, a full refund will be paid within 10 days.

22. After the cooling off period has expired, no refunds will be given except where required by law.

23. Requests for termination due to unforeseeable personal circumstances must be made in writing.

Your Commitment

24. By signing this Agreement, you agree that you will:

• Participate in the activities and perform the tasks assigned;

• Commit for the full duration of the selected Program; and

• Complete all coaching sessions included in the Program.

25. We may terminate this agreement and suspend or terminate your participation without refund if you:

• Breach these terms;

• Become disruptive or difficult to work with;

• Fail to follow program guidelines; or

• Interfere with the participation of others.

Confidentiality

26. You agree to keep confidential and not disclose any confidential information belonging to any participant or GRC Advocates.

27. You agree not to infringe the intellectual property rights of GRC Advocates or any other participant.

Disclaimer

28. We do not guarantee that you will achieve specific results. Your success depends on many factors including your dedication, participation, desire, and motivation.

29. Information provided during Events is for general purposes only and does not constitute financial or legal advice.

30. Participation in the Program carries inherent business risks and GRC Advocates is not liable for losses arising from business decisions made by you.

Intellectual Property

31. All materials relating to GRC Advocates Coaching Packages and Programs are subject to copyright and intellectual property rights.

32. You agree not to reproduce or use any materials without prior written permission.

Indemnity

33. You agree to indemnify and keep indemnified GRC Advocates against any losses, claims, costs or damages arising from your negligence, breach of these terms, or participation in the Program.

General

34. The laws of New South Wales govern this agreement.

35. If any part of this agreement is determined invalid or unenforceable, the remainder remains in effect.

36. Failure to enforce any provision does not constitute waiver of that provision.

37. This agreement may not be varied except with written approval of the Director of GRC Advocates.