1. General
1.1 By purchasing, enrolling in, or otherwise receiving access to LTM Adv in any form, including but not limited to mentoring, coaching, workshops, webinars, recordings, resource documents, software access, research, online materials, communities, or any related training or support services, the Client confirms acceptance of these Terms and Conditions.
1.2 If the Client does not agree to be bound by these Terms and Conditions, the Client must not proceed with the purchase or use of LTM Adv.
1.3 All information, training, education, commentary, examples, charts, market analysis, software outputs, research, and materials provided by Master The Markets Ltd trading as LTM Adv are for educational purposes only.
1.4 Neither Master The Markets Ltd, nor its directors, officers, employees, contractors, representatives, or associates are financial advisers, investment advisers, brokers, or portfolio managers. Nothing in LTM Adv constitutes regulated financial advice, investment advice, a recommendation, or an invitation to buy, sell, subscribe for, or otherwise deal in any financial instrument.
1.5 The Client is solely responsible for any trading or investment decisions made and for any profit or loss arising from them. The Client should seek advice from an appropriately regulated financial adviser or broker before making investment decisions.
1.6 The Client acknowledges that trading and investing involve substantial risk and that past performance is not indicative of future results. No representation, warranty, or guarantee is given that the Client will achieve any particular outcome, profit, or level of performance.
1.7 We may provide links to third-party websites, software providers, payment platforms, brokers, communities, or services for convenience only. We are not responsible for the content, policies, operation, or availability of such third-party sites or services.
1.8 Master The Markets Ltd is incorporated in England and Wales. Unless otherwise stated in the Client’s order form, invoice, or offer confirmation, LTM Adv is supplied by Master The Markets Ltd.

2. Definitions
For the purposes of these Terms and Conditions:
2.1 "Client" means the person or entity purchasing or accessing LTM Adv.
2.2 "Contract" means the agreement between Master The Markets Ltd and the Client for the supply of LTM Adv, incorporating these Terms and Conditions and any signed order form, invoice, payment plan, or enrolment confirmation.
2.3 "Digital Content" means recordings, templates, playbooks, checklists, strategy documents, PDFs, research documents, software access, dashboards, downloads, video libraries, portal materials, and any other digital materials supplied other than on a tangible medium.
2.4 "Services" means coaching, mentoring, workshops, webinars, calls, implementation support, reviews, Q&A, community access, and any live or delivered service components of LTM Adv.
2.5 "Contract Start Date" means the earliest of: (a) the date full payment is made, (b) the date the first installment is paid, or (c) the offer acceptance date shown on the Client’s order form, invoice, payment confirmation, or enrolment confirmation.
2.6 "Programme Fee" means the total agreed price payable for LTM Adv, whether paid upfront or by installments.

3. Price and Payment
3.1 The Client agrees to pay the Programme Fee in full in accordance with the order form, invoice, checkout page, payment link, or payment plan agreed with us.
3.2 Where payment is made by installments, the installment arrangement is a payment facility only and does not create a monthly rolling subscription unless expressly stated otherwise in writing.
3.3 The Client remains liable for the full Programme Fee once the Contract is formed, subject only to any valid statutory cancellation right expressly set out in clause 10.
3.4 We reserve the right to refuse access to LTM Adv until cleared funds have been received.
3.5 If any payment is overdue, we may charge interest on overdue sums at 4% above the Bank of England base rate, accruing daily from the due date until payment is made in full.
3.6 The Client authorises us and/or our payment processor to collect payments in accordance with the agreed payment plan.
3.7 If any installment is missed, declined, reversed, charged back, or remains unpaid for more than 7 days after its due date, we may, without prejudice to any other rights:
(a) suspend access to all or any part of LTM Adv;
(b) cancel or postpone coaching calls, mentoring sessions, support, community access, software access, or delivery of further resources;
(c) revoke portal access, download rights, and licences to Digital Content to the extent technically possible;
(d) declare all remaining unpaid instalments immediately due and payable; and
(e) recover any reasonable costs of collection.
3.8 Any deposit stated in the order form, invoice, payment link, or offer confirmation shall be applied towards the Programme Fee unless expressly stated otherwise.

4. International Payments
4.1 All prices are stated in pounds sterling (GBP) unless expressly stated otherwise.
4.2 The Client is responsible for any currency conversion costs, bank transfer fees, intermediary bank charges, card issuer charges, payment platform charges, withholding amounts, duties, or local taxes arising in connection with payment.
4.3 Payment is deemed received only when cleared funds are credited to our nominated account in full.
4.4 If any payment is reduced by deductions, charges, or withholdings, the Client shall remain responsible for ensuring that the net amount received by us equals the full amount due.

5. Programme Delivery and Access
5.1 LTM Adv may include a combination of Services and Digital Content. The exact components may vary depending on the Client’s package, order form, or offer confirmation.
5.2 We may release resources, modules, recordings, templates, documents, and other Digital Content in stages, at milestones, or according to payment status.
5.3 We are not obliged to release all resources, documents, modules, recordings, or implementation materials at the outset, particularly where the Client is on an installment plan.
5.4 Access to any part of  LTM Adv may be conditional on the Client remaining up to date with all payments.
5.5 Unless otherwise expressly agreed in writing, the Client must use any Services included in LTM Adv within 12 months of the Contract Start Date. Unused sessions, access rights, or programme entitlements may expire after that period without refund.
5.6 If the Client fails to attend a booked session without giving at least 72 hours’ notice, that session may be treated as forfeited.

6. Intellectual Property and Licence
6.1 All intellectual property rights in LTM Adv, including all Digital Content, materials, recordings, frameworks, templates, tools, documents, systems, trademarks, logos, branding, research, and training materials, remain the exclusive property of Master The Markets Ltd or its licensors.
6.2 Subject to the Client’s compliance with these Terms and Conditions and payment of all sums due, we grant the Client a limited, personal, non-exclusive, non-transferable, non-sub licensable licence to use the materials supplied solely for the Client’s own internal educational use.
6.3 The Client must not copy, reproduce, share, distribute, publish, licence, sell, assign, upload, transmit, disclose, display, reverse engineer, or otherwise exploit any part of LTM Adv  without our prior written consent.
6.4 The Client must not permit any third party to access LTM Adv through the Client’s login, account, downloads, shared folders, recordings, or supplied documents.
6.5 Any breach of this clause may result in immediate suspension or termination of access, without refund, in addition to any other legal remedies available to us.

7. Confidentiality
7.1 The Client agrees to keep confidential all non-public information, methodologies, templates, research, systems, trading frameworks, commercial information, client discussions, and materials disclosed as part of LTM Adv.
7.2 The Client must not disclose such confidential information to any third party except where required by law.
7.3 This clause does not apply to information that is lawfully in the public domain other than through breach of confidence.

8. Recordings and Use of Image or Voice
8.1 We may record webinars, coaching calls, workshops, mentoring sessions, or community sessions for quality, training, compliance, internal review, or programme delivery purposes.
8.2 The Client may be included in such recordings by voice, image, screen share, name, or contributions.
8.3 Unless otherwise agreed in writing, the Client shall have no ownership rights in any such recordings.
8.4 The Client must not make any audio, video, or screen recordings of LTM Adv sessions without our prior written consent.

9. Changes, Suspension, and Termination by Us
9.1 We reserve the right to make reasonable changes to dates, times, delivery format, speakers, coaches, mentors, platform, venue, or programme structure where necessary.
9.2 We may suspend or terminate the Client’s access immediately if the Client:
(a) fails to make payments when due;
(b) shares or misuses confidential or proprietary materials;
(c) breaches any intellectual property rights;
(d) behaves in a disruptive, abusive, threatening, unlawful, or inappropriate manner; or
(e) initiates an unjustified chargeback or payment reversal.
9.3 Where access is suspended or terminated under this clause due to the Client’s breach, no refund shall be due and the Client shall remain liable for all unpaid sums under the Contract.

10. Cancellation Rights and Refunds
10.1 Consumer Cancellation Right
If the Client is a consumer and enters into this Contract online, by email, by telephone, or otherwise at a distance or off-premises, the Client has the right to cancel this Contract within 14 days without giving any reason, subject to the terms of this clause 10.
10.2 Cancellation Period
The cancellation period expires 14 days after the Contract Start Date.
10.3 How to Cancel
To exercise the right to cancel, the Client must inform us of the decision to cancel by a clear written statement sent by email to [INSERT EMAIL] or by post to [INSERT ADDRESS] before the cancellation period expires.
10.4 Services Started During the Cancellation Period
If the Client expressly requests that Services begin during the cancellation period, and the Client later cancels within that period, the Client shall pay us an amount proportionate to the Services supplied up to the date on which cancellation is communicated, compared against the full scope of the Contract.
10.5 Digital Content Supplied During the Cancellation Period
If the Client expressly consents to immediate access to Digital Content during the cancellation period, and acknowledges that the statutory right to cancel that Digital Content is lost once supply begins, then the Client’s right to cancel in respect of that Digital Content ends when access is first provided.
10.6 No Access / No Supply
If no Services have been supplied and no Digital Content has been accessed during the cancellation period, we will refund all sums paid within 14 days of receiving the cancellation notice, using the same payment method unless otherwise agreed.
10.7 Business Clients
If the Client is purchasing LTM Adv wholly or mainly for purposes of a trade, business, craft, or profession, no statutory consumer cancellation rights apply unless we expressly agree otherwise in writing.
10.8 After the Cancellation Period
After the expiry of the cancellation period, all payments are non-refundable except where we are required by law to provide a refund or where we agree otherwise in writing at our sole discretion.
10.9 Installment Plans After the Cancellation Period
Where the Client has agreed to pay by installments, the Client remains liable for the full unpaid balance of the Programme Fee even if the Client ceases to participate, stops using the programme, or requests that we stop providing access, unless we expressly agree otherwise in writing.

11. Chargebacks and Payment Reversals
11.1 The Client agrees not to initiate any unjustified chargeback, payment reversal, or payment dispute.
11.2 If the Client initiates an unjustified chargeback or reversal, we may immediately suspend access to LTM Adv and pursue recovery of the sums due, together with any reasonable administrative or recovery costs.

12. Liability
12.1 Nothing in these Terms and Conditions excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited.
12.2 Subject to clause 12.1, we shall not be liable for any indirect, consequential, special, or incidental loss, including any loss of profits, business, anticipated savings, trading losses, or opportunity.
12.3 Subject to clause 12.1, our total aggregate liability arising out of or in connection with LTM Adv shall not exceed the amount actually paid by the Client to us under the Contract in the 12 months preceding the event giving rise to the claim.
12.4 We shall not be liable for any failure or delay caused by events outside our reasonable control, including acts of God, war, terrorism, industrial disputes, pandemics, government restrictions, platform outages, internet failures, payment provider failures, or third-party service interruptions.

13. Warranties and Acknowledgements
13.1 The Client acknowledges that success in trading, business, or implementation depends on many factors outside our control, including the Client’s own effort, judgement, capital, psychology, discipline, and market conditions.
13.2 No statement by us shall amount to a guarantee of results.
13.3 This Contract constitutes the entire agreement between the parties in relation to LTM Adv and supersedes any prior oral or written discussions, correspondence, or understandings.

14. Notices
14.1 Any notice under this Contract must be given in writing by email or by post to the contact details most recently notified by the receiving party.
14.2 Notices sent by email shall be deemed received at the time of transmission, provided no delivery failure notice is received.

15. Severance and Waiver
15.1 If any provision of these Terms and Conditions is found to be unlawful, invalid, or unenforceable, that provision shall be severed and the remaining provisions shall remain in full force and effect.
15.2 No failure or delay by either party to exercise any right or remedy shall constitute a waiver of that or any other right or remedy.
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16. Governing Law and Jurisdiction
16.1 This Contract and any dispute or claim arising out of or in connection with it shall be governed by the laws of England and Wales.
16.2 If the Client is a consumer residing outside England and Wales, the Client may also benefit from any mandatory provisions of the law of the country in which the Client resides.
16.3 Subject to clause 16.2, the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this Contract.