Legal, Disclaimers & Policies

TERMS & CONDITIONS

1.1 Acceptance of Terms

By accessing or using the Website/Platform, submitting a form, joining a program, downloading a resource, using any of our services, purchasing any Product or Subscription, or participating in the Community, you agree to be bound by these Terms, our Privacy Policy, Refund Policy, and any additional terms displayed at the point of purchase or registration. If you do not agree, do not use the Website/Platform or purchase any Products. You must be at least 18 years old and possess legal capacity to enter into the applicable agreement.

1.2 Definitions

In these Terms:
(a) “Company”, “we”, “us”, and “our” means Various Media Holdings Pte. Ltd.;
(b) “Website/Platform” means our websites, funnels, landing pages, checkout pages, portals, community spaces, and any related pages we control;
(c) “Content” means all materials we provide, including videos, text, PDFs, frameworks, templates, charts, code, scripts, indicators, dashboards, worksheets, recordings, live call materials, community resources, and downloads;
(d) “Products” means any free or paid products, programs, courses, subscriptions, memberships, communities, services, software, indicators, dashboards, resources, lead magnets, workshops, consulting, coaching, or other offerings made available by us, including but not limited to Capitalist Literature, Various Kingmaker Seer™, Various Kingmaker Flagship Program™, and any lead magnets or resources offered under the variouswealth or variouskingmaker brands;
(e) “Digital Products” means downloadable, streamed, hosted, or electronically delivered Products;
(f) “Subscription” means any recurring access plan, membership, software access, community access, or recurring Product;
(g) “Community” means any member community we operate or host, including Skool, Discord, WhatsApp, private groups, member portals, live calls, or events;
(h) “Services” means coaching, consulting, implementation support, fulfilment, business services, education, or any service-based engagement we provide; and
(i) “User”, “you”, and “your” means any visitor, lead, applicant, customer, subscriber, purchaser, participant, or community member.

1.3 Eligibility and Accounts

You must have legal capacity to enter into a contract. Access details, links, login instructions, files, recordings, or service instructions will be delivered through email, membership portals, direct links, or other approved communication channels. You agree to provide accurate information and to maintain the confidentiality of your login credentials. You are responsible for all activity under your account. Account sharing is prohibited. We may suspend or terminate accounts for suspected misuse, fraud, or policy violations such as content that are shared, abused, misused, or obtained without proper payment.

1.4 Technical Requirements and User Responsibility.
You are responsible for maintaining a reliable internet connection, compatible device, updated browser, accessible email account, secure login credentials, and any third-party software or platform account required to access the Product. We are not responsible for access issues caused by your device, browser, email settings, spam filters, internet service, third-party platforms, or failure to follow access instructions. Temporary service interruptions, maintenance, or third-party outages do not entitle you to a refund.

1.5 Acceptable Use and Prohibited Conduct

You agree not to: (a) copy, reproduce, distribute, resell, sublicense, or commercially exploit any Content unless expressly authorized; (b) share accounts, access credentials, or gated materials; (c) scrape, crawl, or harvest data from the Website/Platform; (d) reverse engineer, decompile, or attempt to derive source code or logic from any software/indicator; (e) publish, broadcast, or redistribute signals, outputs, or derivative interpretations for third parties (including as a paid signal service); (f) interfere with security or access controls; (g) harass, intimidate, defame, or otherwise harm others; (h) use the Website/Platform for unlawful purposes.

1.6 Community Conduct and Moderation

If you access any Community, you must comply with the Community Rules & Code of Conduct. We may remove content, restrict access, suspend, or terminate participation for violations.

1.7 Orders, Pricing, Taxes, and Delivery

Prices are stated on the relevant sales page, checkout page, order form, invoice, payment link, or offer page and may change at any time. Unless expressly stated otherwise, all prices displayed on our Website/Platform, sales pages, checkout pages, order forms, payment links, emails, or other materials are stated and charged in United States Dollars (USD).

If a price is expressly quoted in Singapore Dollars (SGD) or another currency, the currency stated on the checkout page, invoice, payment link, or written offer will control for that specific transaction. For manual invoices, bank transfers, PayNow, or local settlement options, we may issue a fixed local-currency invoice amount using our internal conversion rate. This rate may include currency conversion costs, bank charges, payment processing costs, administrative costs, and a currency-buffer spread. The amount stated on the issued invoice is the final payable amount for that invoice unless the invoice expires, is cancelled, or is reissued.

Your bank, card issuer, payment provider, or payment processor may apply currency conversion fees, cross-border fees, card fees, bank charges, or other charges. We are not responsible for fees imposed by third parties. Prices are exclusive of any applicable taxes, duties, GST, VAT, withholding tax, or similar charges unless expressly stated otherwise.

Digital Products are deemed delivered when access is granted, login details are sent, or a download link is provided. Access to digital products, workshops, courses, communities, coaching, consulting, or other services may be withheld until payment is successfully received. You agree to provide accurate billing, contact, and payment information.

1.8 Authorized Payment Methods and Payment Processing

We may accept payment through official checkout pages, invoices, payment links, bank transfer, PayNow/UEN transfer, QR code, Stripe, Airwallex, HitPay, DBS corporate bank transfer, or other payment methods expressly issued or approved by Various Media Holdings Pte. Ltd.

Available payment methods may vary by Product, country, currency, price point, checkout page, invoice, or payment processor. We may add, remove, suspend, replace, or refuse payment methods at any time.

Payments are processed by third-party payment processors, banks, or payment service providers. By making payment, you may also be subject to the terms, fees, exchange rates, processing rules, refund rules, risk checks, fraud checks, and policies of the relevant payment provider, bank, card network, or platform.

For manual payments, bank transfers, PayNow/UEN payments, QR payments, or invoice payments, payment is not deemed received until cleared funds are received in the Company’s designated account and matched to your order, invoice, or purchase record. You are responsible for entering the correct payment reference, invoice number, purchase email, or identifying details where requested. Access to Products, Services, Subscriptions, communities, calls, onboarding, or deliverables may be withheld until payment is confirmed.

Unless expressly stated otherwise, you are responsible for any bank charges, card fees, wire fees, foreign exchange fees, intermediary bank fees, failed payment charges, or other third-party payment costs imposed by your bank, card issuer, payment provider, or payment processor.

All payments must be made only through official checkout pages, official invoices, official payment links, or verified company payment instructions issued by Various Media Holdings Pte. Ltd. We do not request or accept cryptocurrency payments, gift cards, Telegram payments, personal wallet transfers, or payments to personal accounts. You are responsible for verifying payment instructions before making payment.

1.9 Subscription Billing and Automatic Renewal

Subscriptions renew automatically until cancelled. By purchasing a Subscription, you authorize us (or our payment processor) to charge the payment method on file at the start of each billing period. You may cancel to prevent renewal, and cancellation will take effect at the end of the current paid billing period unless otherwise stated. If a payment fails, we may suspend access until payment is successfully processed.

1.10 Payment Plans.
If you purchase through a payment plan, you authorize us or our payment processor to charge your payment method on the scheduled dates. A payment plan is not a subscription cancellation right. You remain responsible for all scheduled instalments even if you stop using the Product, lose interest, fail to access the Product, or do not complete the program. Failure to make payment may result in suspension or termination of access, and all outstanding amounts may become immediately due.

1.11 Failed Payments.
If a payment fails, we may attempt to reprocess the payment, contact you using the details provided, suspend access until payment is received, and recover any payment processor charges, administrative costs, or collection costs to the maximum extent permitted by law.

1.12 Chargebacks and Payment Disputes. If you initiate a chargeback, payment dispute, or payment reversal without first contacting us in good faith, we may suspend or terminate access to Products and Services, submit evidence including access logs, delivery confirmations, checkout records, IP logs, communications, and usage history, recover the disputed amount and related administrative, processor, legal, or collection costs where permitted, and refuse future purchases associated with the disputed account, email, payment method, or identity.

1.13 Refund Policy — No Refunds

ALL SALES ARE FINAL. We do not offer refunds, returns, or exchanges for Digital Products, Subscriptions, or Services, including where you change your mind or do not use the Product. This is because digital products and educational materials' value are realized immediately upon purchase. This clause applies to the maximum extent permitted by law. Where applicable law requires a refund, we will comply with that law.

1.14 Product Access; Lifetime Access; Product Discontinuation.
Where a Product is described as having “lifetime access”, this means access for the lifetime of that specific Product offering, subject to these Terms and your continued compliance. It does not mean perpetual access, lifetime access to the Company, or access to all future products. We may update, migrate, modify, replace, or discontinue Products or hosting platforms from time to time. If we discontinue a paid Product, we will use reasonable efforts to provide either continued access, a downloadable copy where technically and legally feasible, or reasonable advance notice before access ends.

1.15 Updates vs New Products.
We may provide updates, fixes, supplementary materials, or improvements to an existing Product at our discretion. However, new standalone products, substantially redesigned programs, new editions, advanced versions, successor products, or products marketed under a different name are not included in your original purchase unless expressly stated at checkout.

1.16 Live Sessions; Reschedules and No-Shows. If your purchase includes live calls, coaching, consulting, onboarding, implementation sessions, or other scheduled sessions, you are responsible for booking and attending within the service period stated at checkout or in the relevant offer. Reschedules require at least 24 hours’ notice and Cancellation require at least 48 hours’ notice unless otherwise stated. Late cancellations, missed calls, or no-shows may result in forfeiture of that session at our discretion. Unused live sessions, reviews and support entitlements expire at the end of the applicable service or access period stated on the checkout page, invoice, proposal, order form or written confirmation. Any separately booked one-to-one session must be used within the booking period expressly stated for that session.

1.17 Kingmaker Council and High-Ticket 1-to-1 Engagements

Where you purchase, join, or are accepted into Kingmaker Council, Kingmaker Council 1-to-1, private coaching, consulting, implementation support, mastermind access, advisory-style education, or any high-ticket engagement, the specific deliverables, access period, call structure, support format, fees, payment terms, bonuses, and expiry dates will be stated in the applicable order form, invoice, checkout page, proposal, deliverables agreement, or written confirmation.

Unless expressly stated in a separate signed agreement, Kingmaker Council does not include done-for-you implementation, agency services, fund management, portfolio management, legal advice, tax advice, accounting advice, regulated financial advice, brokerage services, investment recommendations, employment placement, board membership, director duties, fiduciary duties, or any obligation to manage, monitor, operate, supervise, or make decisions for your business, capital, portfolio, team, systems, accounts, or personal affairs.

Any strategy, feedback, review, diagnosis, template, dashboard, business operating system, capital allocation discussion, implementation plan, growth recommendation, or personal development guidance is provided for education, strategic thinking, and decision-support only. You remain solely responsible for all decisions, execution, budgets, hiring, firing, legal compliance, tax compliance, financial decisions, investment decisions, operational actions, and outcomes.

In-person meetings, luxury-location meetups, networking access, introductions, private events, additional reviews, extra calls, emergency support, or access to third-party relationships are not guaranteed unless expressly included in writing. Travel, accommodation, meals, venue costs, professional fees, software costs, advertising spend, contractor costs, and third-party expenses are excluded unless expressly stated otherwise in writing.

Any equity, revenue-share, board advisory, investment, acquisition, partnership, sponsorship, affiliate, or commercial opportunity requires a separate written agreement signed by all relevant parties. Nothing in Kingmaker Council obligates either party to enter into such an arrangement.

All Kingmaker Council fees are non-refundable to the maximum extent permitted by law. Unused calls, check-ins, support, access, or deliverables expire at the end of the stated access period unless otherwise agreed in writing. Your sole entitlement is to the deliverables expressly stated in the applicable order form, invoice, checkout page, proposal, deliverables agreement, or written confirmation.

1.18 Various Kingmaker Guild Implementation Guarantee™

(a) Nature of Guarantee

Where expressly displayed on the applicable Product page or checkout page, eligible participants enrolled in Various Kingmaker Flagship Program™ may qualify for the Various Kingmaker Guild Implementation Guarantee™.

The Guarantee is a conditional implementation-support extension only. It is not a money-back guarantee, satisfaction guarantee, earnings guarantee, customer-acquisition guarantee, business-success guarantee, trading guarantee, investment-performance guarantee or promise of any particular result.

Subject to all eligibility requirements below, the Company will provide the qualifying participant with one additional thirty (30) consecutive calendar days of:

1. access to the applicable Premier Hall implementation-support environment; and

2. access to the recordings from the participant’s applicable Flagship cohort that were already included in the original purchase.

The extension is provided at no additional program fee.

(b) Eligible Products and Participants

The Guarantee applies only to:

1. a Various Kingmaker Flagship Program™ tier that expressly includes the Guarantee at the time of purchase;

2. the original purchaser and registered participant; and

3. a participant whose payment obligations are fully current.

The Guarantee does not apply to books, digital downloads, templates, Various Kingmaker Seer™, standalone playbooks, Kingmaker Forge, Kingmaker Council, Concierge services, Advisory services or any other Product unless expressly stated in writing.

(c) Eligibility Period

The Guarantee applies only to Kingmaker Flagship Silver Core and Gold Premium participants whose purchase page, checkout or signed order form expressly includes the Guarantee. It does not apply to Bronze Essential or Platinum Council unless separately stated in writing.

Unless expressly stated otherwise in writing, any such guarantee is limited to additional support, review, access, or implementation guidance. It does not create any refund right, damages claim, income guarantee, revenue guarantee, client acquisition guarantee, investment guarantee, trading guarantee, business success guarantee, personal transformation guarantee, or promise of any specific outcome.

To qualify for any support extension, you must comply with all stated eligibility conditions, including attendance, participation, deliverable submission, implementation logs, payment completion, conduct standards, and timely written request requirements. Your sole remedy under any support-extension guarantee is the additional support expressly described. No cash refund, credit, chargeback right, or compensation is provided unless required by applicable law.

(d) Standard Implementation Outcomes

The Guarantee does not require the participant and Company to negotiate or select individual baseline metrics. Eligibility will instead be assessed against the following three standard implementation outcomes:

1. Business System Activation

The participant has established and launched:

1. a clearly defined offer;

2. an active customer-acquisition pathway, which may include content, outreach, advertising, referrals or another approved acquisition method; and

3. a documented sales, nurture or follow-up process through which interested prospects can progress towards a commercial decision.

A draft, incomplete concept or system that has not been activated or used does not constitute Business System Activation.

2. Commercial Pipeline Movement

The participant has generated at least one verifiable commercial opportunity during the Eligibility Period through implementation of the programme, including any one of the following:

1. a new qualified lead;

2. a booked sales or consultation call;

3. a proposal or formal offer submitted to a prospect;

4. a completed sales conversation with a qualified prospect; or

5. a new paying customer.

The participant must provide reasonable supporting evidence, which may include CRM records, appointment records, correspondence, proposal records, payment records or another form of contemporaneous documentation accepted by the Company.

The Company does not guarantee that any particular lead, conversation, proposal or sales opportunity will convert into revenue.

3. Financial Risk Competency

The participant has demonstrated an improved practical understanding of financial and investment risk by:

1. completing the required Capital System risk-management framework or worksheet;

2. correctly calculating a defined maximum monetary risk;

3. correctly calculating position size using the applicable risk and stop-distance inputs;

4. identifying the potential reward-to-risk ratio of a proposed decision; and

5. establishing written personal risk limits or capital-allocation rules designed to reduce reckless, excessive or emotionally driven risk-taking.

Financial Risk Competency measures understanding, calculation and risk-control behaviour only. It does not require the participant to place a trade, make an investment, earn a return, avoid losses, outperform a benchmark or achieve any other market-dependent outcome.

The Company may use an assessment, worksheet, implementation submission, practical example or reasonable equivalent evidence to determine whether the participant has demonstrated Financial Risk Competency.

Qualification Threshold

A participant may qualify for the Guarantee only where:

1. the participant satisfies all implementation, attendance, conduct, documentation and payment requirements; and

2. none of the three Standard Implementation Outcomes above has been achieved during the Eligibility Period.

Achievement of any one Standard Implementation Outcome constitutes measurable implementation progress and means the participant does not qualify for the additional support extension.

(e) Meaning of Measurable Improvement

For purposes of the Guarantee, Measurable Improvement means achievement of any one of the Standard Implementation Outcomes described in Section (d).

The participant is not required to achieve all three outcomes. Achievement of Business System Activation, Commercial Pipeline Movement or Financial Risk Competency is sufficient to demonstrate measurable implementation progress.

The Guarantee is available only where none of the three outcomes has been achieved and the participant has otherwise complied with every eligibility requirement.(f) Participant Requirements

To qualify for the extension, the participant must:

1. attend, or watch the recordings of, at least eighty per cent (80%) of the required Flagship cohort sessions;

2. complete and submit the required Business Engine and Capital System frameworks applicable to the participant’s implementation plan;

3. implement the agreed offer, audience, acquisition, sales, follow-up, fulfilment, capital-allocation or risk-control actions applicable to the participant;

4. complete the minimum activity thresholds contained in the participant’s implementation plan or cohort scorecard;

5. maintain reasonable implementation records, including relevant dashboards, scorecards, activity logs, submissions or supporting evidence;

6. make a genuine and good-faith attempt to apply the program;

7. submit requested progress information and participate reasonably in support or review processes;

8. remain current on all payments and scheduled instalments; and

9. remain in compliance with these Terms, the Community Rules, Conduct Standards and all applicable Product policies.

Merely accessing the program, watching materials without implementation, partially completing exercises, changing direction repeatedly or claiming that the program did not work without documented execution will not satisfy these requirements.

(g) Request Procedure

A request under the Guarantee must be submitted in writing to the Company’s designated support email within fourteen (14) calendar days after the end of the applicable Eligibility Period.

The participant’s written request must contain:

1. full name and purchase email;

2. Flagship cohort and purchased tier;

3. attendance or recording-completion evidence;

4. completed Business Engine and Capital System submissions;

5. evidence of the acquisition and follow-up activities performed;

6. relevant CRM, appointment, proposal or payment records;

7. the completed financial risk-management worksheet or assessment; and

8. a brief explanation of the principal implementation constraint.

The Company may request reasonable additional information to verify eligibility. Where information is incomplete, the participant will have seven (7) calendar days to provide the outstanding information.

(h) Review and Approval

The Company will assess complete requests reasonably and in good faith.

Where the documented eligibility requirements are satisfied, approval will not be unreasonably withheld. The Company may reject requests where records are missing, inaccurate, misleading, materially incomplete or demonstrate that the required actions were not performed.

The Company will ordinarily communicate its determination within ten (10) business days after receiving a complete request.

(i) Extension Scope

An approved extension:

1. lasts for thirty (30) consecutive calendar days;

2. begins on the date communicated by the Company;

3. is subject to the then-current Premier Hall schedule, delivery format and reasonable availability;

4. is personal, non-transferable and may not be sold, assigned or exchanged; and

5. may be used only once per participant and qualifying purchase.

The extension does not include:

1. additional private consulting or one-to-one sessions;

2. renewal or extension of Various Kingmaker Seer™;

3. new bonuses, future programs or successor Products;

4. replacement of expired or missed private sessions;

5. a restart of the original Flagship program; or

6. any cash, credit, rebate or refund.

If Premier Hall is no longer offered in substantially the same form, the Company may provide a reasonably equivalent thirty-day remote implementation-support arrangement.

(j) Sole Remedy

The thirty-day implementation-support and recording-access extension is the participant’s sole and exclusive contractual remedy under this Guarantee.

The Guarantee does not create any right to:

1. a refund or partial refund;

2. cancellation of remaining payment-plan obligations;

3. compensation, damages or reimbursement;

4. a payment dispute or chargeback;

5. free renewal of subscriptions or bonuses; or

6. any other remedy unless required by applicable law.

(k) No Guarantee of External Outcomes

The Company controls its educational materials, frameworks, sessions, reviews and implementation support. It does not control:

1. the participant’s decisions, conduct, ability, resources or consistency;

2. customer demand or third-party purchasing decisions;

3. advertising platforms, algorithms, payment processors or third-party services;

4. economic, competitive or regulatory conditions;

5. financial markets, security prices, volatility or liquidity; or

6. external events beyond the Company’s reasonable control.

Accordingly, the Guarantee does not promise customers, revenue, profitability, cost savings, investment returns, trading gains, portfolio appreciation, financial independence or any specific personal or commercial result.

(l) Relationship With Refund and Payment Terms

This Guarantee is an additional-support commitment only. It does not amend or override the Company’s Refund Policy, all-sales-final provisions, payment-plan obligations, intellectual-property terms, disclaimers, limitation-of-liability clauses or other provisions of these Terms.

Where applicable law requires a remedy that cannot lawfully be excluded or limited, the Company will comply with that law.

1.19 Intellectual Property; Limited License

All Content, materials, videos, recordings, frameworks, templates, worksheets, documents, slides, images, branding, logos, copywriting, course materials, Software/Indicators, and related intellectual property are owned by or licensed to the Company. Subject to your compliance with these Terms and any applicable EULA, we grant you a limited, revocable, non-transferable, non-sublicensable license to access and use the Content for your personal use or internal business use where expressly permitted. No ownership or other rights are transferred.

Where any Product or Service includes templates, dashboards, Notion workspaces, financial trackers, KPI dashboards, business operating systems, SOPs, playbooks, slides, worksheets, scripts, prompts, calculators, or implementation assets, these materials are licensed for the purchaser’s personal use or internal business use only. They are not sold, assigned, sublicensed, or transferred. The purchaser must not resell, redistribute, publish, white-label, teach, commercialise, upload, train AI systems on, or provide such materials to any third party without our prior written consent.

1.19.1 Program Materials; License; No Transfer of Ownership

The Client acknowledges that the Program, including all slides, recordings, frameworks, worksheets, templates, checklists, scripts, dashboards, SOPs, community materials, examples, methods, processes, diagrams, brand assets, and related materials provided by the Company (“Program Materials”), are proprietary to the Company and are licensed, not sold.

Subject to full payment and the Client’s continuing compliance with this Agreement and the Company’s published legal terms, the Company grants the Client a limited, non-exclusive, non-transferable, non-sublicensable licence to access and use the Program Materials solely for the Client’s personal education and internal business implementation.

The Client must not copy, resell, redistribute, publish, upload, share, sublicense, assign, commercialise, white-label, teach, train others using, create derivative training products from, or otherwise exploit the Program Materials without the Company’s prior written consent.

The Client must not use the Program Materials, recordings, slides, frameworks, templates, founder likeness, voice, examples, or proprietary methods to train, fine-tune, prompt, generate, clone, imitate, or produce content through artificial intelligence, machine learning, synthetic media, or automated content systems without the Company’s prior written consent.

All Company intellectual property, copyrights, trademarks, trade secrets, methodologies, frameworks, templates, slide designs, recordings, and know-how remain the exclusive property of the Company or its licensors. No ownership rights are transferred to the Client.

Any access to live sessions, replays, communities, portals, support calls, software, indicators, or bonus materials is limited to the access period stated in the applicable order form, invoice, checkout page, proposal, deliverables agreement, or written confirmation. Expiry of access does not transfer ownership of any Program Materials.

If the Client breaches this clause, the Company may suspend or terminate access without refund, revoke the licence, require deletion or return of Program Materials, and pursue legal remedies to the maximum extent permitted by law.

1.19.2 Council Deliverables; Internal-Use License; Company Retained IP

The Client acknowledges that Kingmaker Council may involve personalised strategic feedback, business reviews, dashboards, scorecards, templates, Notion systems, business operating systems, KPI dashboards, finance trackers, implementation plans, SOPs, models, frameworks, and other materials prepared or adapted for the Client (“Council Deliverables”).

Subject to full payment and the Client’s continuing compliance with this Agreement and the Company’s published legal terms, the Company grants the Client a limited, non-exclusive, non-transferable, non-sublicensable licence to use the Council Deliverables solely for the Client’s own internal business operations.

The Client may input its own business data, modify working copies for internal implementation, and use the Council Deliverables to operate, review, manage, or improve the Client’s own business. However, the Client must not resell, redistribute, sublicense, publish, share externally, commercialise, white-label, teach, package, upload, or provide the Council Deliverables to third parties as templates, tools, dashboards, systems, training, consulting assets, or software.

The Company retains all right, title, and interest in its pre-existing and underlying intellectual property, including all frameworks, methodologies, template structures, formulas, dashboard logic, layouts, prompts, SOP architecture, training materials, decision models, financial models, business operating system structures, know-how, and reusable components.

Unless expressly stated otherwise in a separate signed agreement, no Council Deliverable transfers ownership of the Company’s intellectual property, trade secrets, templates, formulas, dashboards, source files, methods, or underlying systems to the Client.

Any customisation, configuration, adaptation, or improvement of Company materials during the Council engagement remains owned by the Company, except for the Client’s own pre-existing confidential information, business data, financial records, customer data, and materials supplied by the Client.

If the Client breaches this clause, the Company may suspend or terminate access without refund, revoke the licence, require deletion or return of Company materials, and pursue legal remedies to the maximum extent permitted by law.

1.20 AI, Likeness, and Synthetic Media Restrictions.
You may not use any Company Content, founder likeness, voice, photographs, videos, recordings, brand assets, community content, or other materials to train, fine-tune, prompt, generate, imitate, clone, or produce content using artificial intelligence, machine learning, voice replication, image generation, deepfake, synthetic media, or automated content systems without our prior written consent. Any breach may result in immediate termination of access without refund and legal enforcement.

1.21 Anti-Piracy Enforcement and Evidence. We may use access logs, device/session logs, download logs, watermarking, account activity, screenshots, communications, and other technical or non-technical evidence to investigate suspected piracy, account sharing, unauthorized redistribution, scraping, reverse engineering, or prohibited broadcast of Content, Software/Indicators, signals, outputs, or community materials. Violation may result in immediate suspension or termination of access without refund, legal enforcement, platform reports, and recovery of damages, costs, and legal fees where permitted.

1.22 Takedown Notices. If you believe content hosted on or through our Website/Platform infringes your intellectual property rights, you may contact us at [email protected] with: (a) your name and contact details; (b) a description of the work or rights allegedly infringed; (c) the exact URL or location of the allegedly infringing material; (d) a statement that you have a good-faith belief the use is unauthorized; (e) a statement that the information provided is accurate and that you are authorized to act; and (f) your physical or electronic signature. We may remove or disable access to material, request additional information, notify the relevant user, or take enforcement action under these Terms.

1.23 Impersonation, Scam Prevention, Official Channels, and Unauthorised Payment Requests

You acknowledge that third parties may attempt to impersonate the Company, its founder, employees, contractors, brands, social media accounts, websites, funnels, checkout pages, communities, emails, messages, advertisements, or payment links. These impersonation attempts may include cloned websites, fake social media accounts, fake groups, fake private messages, fake support accounts, fake investment/trading offers, fake invoices, fake payment links, fake cryptocurrency wallet addresses, fake Telegram groups, fake WhatsApp/Discord accounts, phishing links, malware links, or unauthorised resellers.

Our official websites and funnels are operated only through domains controlled by Various Media Holdings Pte. Ltd., including variouswealth.com and variouskingmaker.com, or such other official domains expressly published by us. Payments should only be made through official checkout pages, official invoices, or payment instructions issued directly by Various Media Holdings Pte. Ltd. using verified company details.

We do not request or accept cryptocurrency payments, crypto wallet transfers, gift cards, private wallet transfers, payments to personal accounts, payments to unknown third-party accounts, or payments through Telegram. We do not operate Telegram as an official payment, admissions, support, signal, investment, trading, or customer service channel. Any person, account, group, bot, page, message, or website claiming otherwise is unauthorised.

We may contact you through official or approved communication channels, including email, SMS, WhatsApp, phone, social media, booking reminders, community platforms, or other channels you used to engage with us or consented to receive communications through. However, we will never ask you through unsolicited direct messages, Telegram, or unofficial channels to send cryptocurrency, transfer funds to a personal wallet, disclose passwords, disclose payment card details, disclose bank login details, disclose Singpass credentials, install remote access software, or bypass our official checkout/invoice process.

Before making payment, submitting sensitive information, joining a community, acting on a message, or clicking a link, you are responsible for verifying that the communication, website, payment link, invoice, or account is official. If you are unsure, you must contact us directly through the official contact method published on our Website before taking action.

To the maximum extent permitted by law, the Company is not responsible or liable for any loss, damage, payment, transfer, disclosure, account compromise, identity theft, trading loss, investment loss, data loss, device compromise, or other harm caused by third-party impersonation, scam activity, phishing, cloned websites, fake social media accounts, fake communities, fake payment links, fake invoices, malware, unauthorised resellers, unauthorised affiliates, or communications not issued or authorised by the Company.

If you discover or suspect impersonation, fraud, misuse of our brand, cloned websites, fake accounts, or unauthorised payment requests, you should immediately stop communication with the suspicious party, avoid making payment, preserve screenshots and transaction records, report the account or website to the relevant platform, and notify us through our official support channel.

1.24 Third-Party Services

We may use or integrate third-party platforms, payment processors, analytics tools, email/SMS tools, community platforms, TradingView, hosting providers, and other services. We are not responsible for third-party outages, errors, changes, pricing, policies, account restrictions, or terms.

1.25 No Reliance; Educational Purposes Only.

Our Content, Products, Services, Community, and Software/Indicators are provided for general education and information only. They are subject to the detailed disclaimers in the Full Disclosure section, including no professional advice, no fiduciary relationship, and no guarantee of outcomes.

1.26 No Guarantee of Results

We do not guarantee any income, trading, investing, business, sales, audience-growth, personal, or financial outcome. Detailed results, earnings, trading, testimonial, and social proof disclaimers are set out in the Full Disclosure section.

1.27 Trading and Investment Risk Disclosures

Trading and investing involve significant risk, including possible total loss. Detailed trading, investment, hypothetical performance, and indicator/tool disclaimers are set out in the Full Disclosure section and, where applicable, the EULA.

1.28 Disclaimer of Warranties

The Website/Platform, Content, and Products are provided “as is” and “as available”. We disclaim all warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant uninterrupted or error-free access.

1.29 Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for loss of profits, revenue, data, goodwill, or business opportunities. Our total liability for any claim will not exceed the total amount you paid to us in the three (3) months preceding the event giving rise to the claim.

1.30 Indemnity

You agree to indemnify and hold harmless the Company, its directors, officers, employees, and contractors from any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of your use of the Website/Platform, violation of these Terms, infringement of IP, or unlawful conduct.

1.31 Termination

We may suspend or terminate your access immediately if we reasonably believe you have breached these Terms or engaged in fraud, chargeback abuse, piracy, harassment, or other misconduct. Upon termination, all licenses granted to you are revoked and you must cease use of all Content. Termination does not entitle you to any refund.

1.32 Informal Resolution Requirement.
Before commencing arbitration or legal proceedings, you agree to first contact us in writing with a clear description of the dispute, the relevant purchase or account details, and the remedy requested. The parties will attempt in good faith to resolve the dispute informally within thirty (30) days. This does not prevent either party from seeking urgent injunctive or interim relief where necessary to protect intellectual property, confidential information, account security, payment rights, or prevent misuse of Content.

1.33 Dispute Resolution; Arbitration; Class Action Waiver

To the maximum extent permitted by law, any dispute, controversy, or claim arising out of or relating to these Terms, the Website/Platform, or any Product (“Dispute”) shall be resolved by confidential arbitration seated in Singapore, administered by the Singapore International Arbitration Centre (SIAC) under the SIAC Rules in force when the Notice of Arbitration is submitted. The tribunal shall consist of one (1) arbitrator. The language of arbitration shall be English. You and the Company agree to bring Disputes only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. Notwithstanding the foregoing, either party may seek interim or injunctive relief in the courts of Singapore to protect its IP, confidential information, or to prevent unauthorized use, piracy, or security breaches, and may pursue debt collection in the courts of Singapore.

1.34 Governing Law

These Terms are governed by the laws of Singapore, without regard to conflict of laws principles, subject to the arbitration clause above.

1.35 Notices and Contact

We may provide notices by email, posting within the Website/Platform, or other reasonable means. You may contact us at the Support Email above.

1.36 Miscellaneous

Force Majeure: We are not liable for delays caused by events beyond our reasonable control.

Assignment: We may assign these Terms.

Severability: If any provision is unenforceable, the remainder remains effective.

Entire Agreement: These Terms, plus any referenced policies and the EULA, constitute the entire agreement.

Changes: We may update these Terms by posting an updated version with a new effective date.

Electronic Contracting: You consent to electronic communications and contracting.