Terms of Use

THIRD FRIDAY LTD

TERMS AND CONDITIONS – FIRE Revolution Coaching Programme (Oct 2022)

1. DEFINITIONS

1.1 When the following words with capital letters are used in these Terms, this is what they will mean:

Booking: your Booking for a Programme;

Event Outside Our Control: is defined in clause 13.2;

Terms: the terms and conditions set out in this document;

Programmes(s): the programme(s), seminar(s), mentorship(s) and/or course(s) that We are providing to you as set out in the Booking;

We/Our/Us: Third Friday Ltd, 4 Lands Lane, Knaresborough, North Yorkshire, HG5 9DE

1.2 What these terms cover. These are the terms and conditions on which We supply products to you, whether these are goods, services or digital content.

1.3 Why you should read them. Please read these terms carefully. These terms tell you who We are, how We will provide products and services to you, how you and We may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms or require any changes, please contact Us to discuss.

1.4 Conflicts. If any of these Terms conflict with any term of the Booking, the Booking will take priority.

2. INFORMATION ABOUT US AND HOW TO CONTACT US

2.1 Who We are. We are a limited company registered in England and Wales. Our company registration number is 10565312 and Our registered office is 4 Lands Lane, Knaresborough, North Yorkshire, HG5 9DE.

2.2 How to contact Us. You can contact Us by e-mailing Us at [email protected] or writing to Third Friday Limited, 4 Lands Lane, Knaresborough, North Yorkshire, HG5 9DE.

2.3 How We may contact you. If We have to contact you, We will do so by telephone or by writing to you at the email address or postal address you provided to Us in your Booking.

2.4 "Writing" includes emails. When We use the words "writing" or "written" in these terms, this includes emails.

3. OUR CONTRACT WITH YOU

3.1 How We will accept your Booking. Our acceptance of your Booking will take place when We email you to accept it, at which point a contract will come into existence between you and Us.

3.2 If We cannot accept your Booking. If We are unable to accept your Booking, We will inform you of this in writing and will not charge you. This might be because of unexpected limits on Our resources which We could not reasonably plan for, because We have identified an error in the price or description of the Programme or because there are no spaces left.

4.YOUR RIGHTS TO MAKE CHANGES

4.1 If you wish to make a change to your Booking please contact Us. We will let you know if the change is possible. If it is possible, We will let you know about any changes to the price, the timing of supply or anything else which would be necessary because of your requested change and ask you to confirm whether you wish to go ahead with the change.

5. OUR RIGHTS TO MAKE CHANGES

5.1 Minor changes. We may make changes:

1. to reflect changes in relevant laws and regulatory requirements.

2. to the location of any Programme and/or speaker(s), mentor(s) or content, at any time without notice. You will not be entitled to a refund as a result unless you exercise your rights as stated in clause 8.

5.2 Updates to digital content. We may update or require you to update digital content, provided that the digital content shall always match the description of it that We provided to you before you bought it.

6. PROVIDING PROGRAMMES

6.1 When We will provide the Programme. We will supply the Programme to you on the date set out in the Booking unless otherwise varied by Us in accordance with clause 3.

6.2 If the contract is a one-off purchase of digital content. We will make the first segments of the digital content available to you as soon as We accept your Booking and the remainder after the statutory cancellation period has passed.

6.3 Filming and Photography. Programmes may be filmed and recorded without prior notice and unless you inform Us before the Programme begins, you will be deemed that you have given Us permission for any footage containing you to be used by Us for commercial purposes.

6.4 We are not responsible for delays outside of Our control. For live coaching sessions (or live video conferencing) We will make every effort to provide the Programme on the date(s) set out in the Booking. However, there may be delays due to an Event Outside Our Control. See clause 13 for Our responsibilities when an Event Outside Our Control happens.

If Our supply of the Services is delayed by an event outside Our control, then We will contact you as soon as possible to let you know and We will take steps to minimise the effect of the delay. Provided We do this We will not be liable for delays caused by the event, but if there is a risk of substantial delay you may contact Us to end the contract and receive a refund for any Programme you have paid for but not received.

6.5 What happens if you do not pay? If you do not pay Us for a Programme when you are supposed to as set out in clause 10.3 and you still do not make payment within 7 days of Us reminding you that payment is due, We may withdraw your enrolment on a Programme with immediate effect. We will contact you to tell you this. We can also charge you an administration cost under clause 10.4 on overdue payments.

6.6 What rights We retain. You acknowledge that all copyright, design right and all other intellectual property rights in all Programme materials (including but not limited to any drafts, drawings, PowerPoints, PDFs, spreadsheets, or illustrations We make in connection with such materials) are owned by Us or Our licensors.

6.7 Disclaimers

By accessing the on-line or printed learning materials, or on-line forums, or support emails, or attending video or live support meetings you are acknowledging and accepting the following important disclaimers about the services we provide.

1. Third Friday Ltd is a training company and the FIRE Revolution programme that we teach is concerned only with educating clients to use several defined investment strategies. WE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY OR THE PRUDENTIAL REGULATION AUTHORITY AND ARE NOT INVOLVED IN ARRANGING OR ADVISING ON ANY FINANCE, INVESTEMENTS OR LOANS.

2. You acknowledge that We do not (nor any trainer, mentor, consultant, team member, agent or employee who is providing a course, mentoring or other training or any of the other clients with whom you may interact) provide financial, investment, legal or accounting advice. We are not authorised by the FCA or other body to do so and as such this does not form part of the Programme or the contract between Us. Any investment examples used in the programme should not in any way be construed as advice or a recommendation to trade. They are included for educational purposes only.

3. Furthermore, we make no guarantee, representation, warranty or promise of the income or returns that may be possible when the strategies taught are implemented by You. The techniques are well-known to reduce the risk associated with simply owning the underlying shares, but that risk still exists. It is quite possible that you could lose more money than you invest, and You fully acknowledge this fact when joining the programme.

4. You further acknowledge that the opinions and comments made by trainers, consultants, mentors, and fellow clients (whether employed by Us or not) are their own and do not represent or reflect Our opinions or comments. You acknowledge that any

opinions or comments are interpreted at your own risk. You agree not to hold Us responsible for any such opinions or claims.

5. You agree that you will only invest money that you are prepared to lose and all trading decisions that you make are your own decision. Third Friday Ltd are an educational company only and accept no responsibility for your investments.

6. It is quite possible that your investments will lose money and you fully accept this risk and understand that the specific investments you make are in no way advised or suggested by Third Friday ltd.

7. You are 100% liable for any losses made whilst implementing the strategies we teach.

8. Investing in foreign shares and options subjects the investor to exchange rate risk. You agree that you fully understand this additional risk if applying the strategy in any country other than your home one.

9. Please make sure you fully understand all the risks before placing any trade. Third Friday are not responsible for your trades. If in any doubt, do not place the trade.

10. Past performance and forecasts are not reliable indicators of future results.

11. Bid ask spreads, commissions, slippage, stamp duty and other costs will all have an effect on the illustrative trade examples that we use.

12. Options trading may not be suitable for all investors. Please ensure that you fully understand the process and risks before committing your own money.

13. There is no guarantee that dividends will be paid.

14. All information provided on the website, in courses, posts, blogs and the like are believed to be accurate and obtained from reliable sources where appropriate. Third Friday make no guarantees as to its accuracy or reliability.

15. Always seek independent professional advice if you are unsure as to suitability of any investment.

16. Third Friday do not accept any responsibility for any typographical errors, calculation errors, verbal errors, omissions, or mistakes in any of the content (including the supplied spreadsheets). You are responsible for double checking any calculations if you are relying on them for trading.

17. Options are leveraged products and certain types of trades can subject the investor to losses larger than a traders account. The FIRE Revolution strategy taught by Third Friday avoids this risk by specifically stating that only cash-secured puts and covered calls should be sold.

18. Third Friday Ltd do not accept any responsibility if, for any reason, you are unable to open a suitable brokers account to execute the strategies that we teach. The brokers

we refer to in the course are not recommendations and are completely independent from Third Friday Ltd and their decisions and policies are out of our control. It is your responsibility to ensure that you meet the criteria they require to open a live trading account.

19. Third Friday Ltd make no guarantees that suitable investment opportunities will always exist that match the criteria taught in the programme. There will be times when the market is not suitable for investing in and you should realise and accept that that possibility exists. This is especially relevant for smaller accounts where the choice of shares to invest in will be restricted.

6.8 What will happen if you do not give required information to Us? We may need certain information from you so that We can supply the Programme(s) to you. If so, this will have been stated on Our website. We will contact you to ask for this information. If you do not give Us this information within a reasonable time of Us asking for it, or if you give Us incomplete or incorrect information, We may either end the contract or make an additional charge of a reasonable sum to compensate Us for any extra work that is required as a result. We will not be responsible for supplying the products late or not supplying any part of them if this is caused by you not giving Us the information, We need within a reasonable time of Us asking for it.

7. FAILURE TO ATTEND

1. If you fail to attend or access a Programme but have not varied your Booking in accordance with clause 4, you will forfeit any amounts that you have paid for that Programme. This covers the cost we have incurred in organising your Booking and attendance at the Programme. You will not receive any credits for a Programme that has been paid for but for which you do not attend. You acknowledge that this clause does not work harshly on you.

8. YOUR RIGHTS TO END THE CONTRACT

1. You can always end your contract with Us. Your rights when you end the contract will depend on what you have booked, whether there is anything wrong, how We are performing and when you decide to end the contract:

1) If what you have bought is faulty or misdescribed you may have a legal right to end the contract (or to get a service re-performed or to get some or all of your money back), see clause 9;

2) If you want to end the contract because of something We have done or have told you We are going to do, see clause 8.2; or

3) If you have just changed your mind, you may be able to get a refund if you are within the cooling-off period, but this may be subject to deductions.

2. Ending the contract because of something We have done or are going to do. If you are ending a contract for a reason set out at 1 to 4 below, the contract will end immediately, and We will refund you in full for any Programmes which have not been provided. The reasons are:

1) We have told you about an upcoming change which you do not agree to;

2) We have told you about an error in the price or description of the Programme and you do not wish to proceed;

3) there is a risk that supply of the Programme or any Product(s) may be significantly delayed because of events outside Our control; or

4) you have a legal right to end the contract because of something We have done wrong.

3. Exercising your right to change your mind (Consumer Contracts Regulations 2013). For most products bought online you have a legal right to change your mind within 14 days and receive a refund. These rights, under the Consumer Contracts Regulations 2013, are explained in more detail in these terms.

4. When you don't have the right to change your mind. You do not have a right to change your mind in respect of:

1) digital products after you have started to download or stream these;

2) services (including Programmes), once these have been completed, even if the cancellation period is still running;

3) sealed audio or sealed video recordings or sealed computer software, once these products are unsealed after you receive them; and

4) any Products which become mixed inseparably with other items after their delivery.

5. How long do I have to change my mind? How long you have depends on what you have ordered and how it is delivered.

1) Have you purchased services (for example, Programmes)? If so, you have 14 days after the day We email you to confirm We accept your Booking. However, once You have completed the Programme you cannot change your mind, even if the period is still running. If you cancel after We have started the Programme, you must pay Us for services provided up until the time you tell Us that you have changed your mind.

2) Have you bought digital content for download or streaming? if so, you have 14 days after the day We email you to confirm We accept your Booking, or, if earlier, until you start downloading or streaming. If We delivered the digital content to you immediately, and you agreed to this when ordering, you will not have a right to change your mind.

6. Tell Us you want to end the contract. To end the contract with Us, please let Us know by emailing Us at [email protected]. Please provide your name, home address, details of the Booking and, where available, your phone number and email address.

7. How We will refund you. We will refund you the price you paid for the Products and any Programme(s) including delivery costs, by the method you used for payment. However, We may make deductions from the price, as described below.

8. Deductions from refunds. If you are exercising your right to change your mind:

1) We may reduce your refund of the price (excluding delivery costs) to reflect any reduction in the value of the goods, if this has been caused by your handling them in a way which would not be permitted in a shop. If We refund you the price paid before We are able to inspect the goods and later discover you have handled them in an unacceptable way, you must pay Us an appropriate amount.

2) The maximum refund for delivery costs will be the costs of delivery by the least expensive delivery method We offer. For example, if We offer delivery of a Product within 3-5 days at one cost but you choose to have the Product delivered within 24 hours at a higher cost, then We will only refund what you would have paid for the cheaper delivery option.

3) Where the Product is a service, We may deduct from any refund an amount for the supply of the service for the period for which it was supplied, ending with the time when you told Us you had changed your mind. The amount will be in proportion to what has been supplied, in comparison with the full coverage of the contract.

9. When your refund will be made. We will make any refunds due to you as soon as possible. If you are exercising your right to change your mind, then your refund will be made within 14 days of your telling Us you have changed your mind.

10. We may end the contract if you break it. We may end the contract at any time by writing to you if:

1) you do not make any payment to Us when it is due, and you still do not make payment within 7 days of Us reminding you that payment is due;

2) you do not, within a reasonable time of Us asking for it, provide Us with information that is necessary for Us to provide the Product(s) or Programme(s);

11. You must compensate Us if you break the contract. If We end the contract We will refund any money you have paid in advance for products or Programmes We have not provided but We may deduct or charge you a proportion of the price based on our current charging rates depending on the date on which We end the contract, as compensation for the net costs We will incur as a result of your breaking the contract.

9. IF THERE IS A PROBLEM

1. How to tell Us about problems. If you have any questions or complaints about the Product, please contact Us. You can telephone Us at 07989 799917 or write to Us at [email protected] or Third Friday Ltd, 4 Lands Lane, Knaresborough, North Yorkshire, HG5 9DE

2. Summary of your legal rights. We are under a legal duty to supply products and services that are in conformity with this contract. See the box below for a summary of your key legal rights. Nothing in these terms will affect your legal rights.

This is a summary of your key legal rights. These are subject to certain exceptions. For detailed information please visit the Citizens Advice website www.adviceguide.org.uk or call 03454 04 05 06.

If your Product is goods, for example furniture or a laptop, the Consumer Rights Act 2015 says goods must be as described, fit for purpose and of satisfactory quality. During the expected life of your Product your legal rights entitle you to the following: up to 30 days: if your item is faulty, then you can get a refund up to six months: if your faulty item can't be repaired or replaced, then you're entitled to a full refund, in most cases up to six years: if the item can be expected to last up to six years you may be entitled to a repair or replacement, or, if that doesn't work, some of your money back.

If your Product is digital content, for example a mobile phone app or a subscription to online information or courses, the Consumer Rights Act 2015 says digital content must be as described, fit for purpose and of satisfactory quality: if your digital content is faulty, you're entitled to a repair or a replacement.

if the fault can't be fixed within a reasonable time, or without causing you significant inconvenience, you can get some or all of your money back

if you can show the fault has damaged your device and We haven't used reasonable care and skill, you may be entitled to a repair or compensation

If your Product is services, for example the provision of a Programme, the Consumer Rights Act 2015 says:

you can ask Us to repeat or fix a service if it's not carried out with reasonable care and skill or get some money back if We can't fix it. if you haven't agreed a price upfront, what you're asked to pay must be reasonable.

if you haven't agreed a time upfront, it must be carried out within a reasonable time.

10. PRICE AND PAYMENT

1) The un-discounted prices for the training programmes and any possible upgrades are displayed on the website. Our prices may change at any time, but price changes will not affect Bookings that We have confirmed with you.

2) Upon submitting a Booking, We will send you an invoice in respect of your Booking (by email or by post) and full payment of the balance for the Programme must be made prior to the start date of the Programme and within the period stated on the invoice. Your rights to a refund on cancellation are set out in clause 8.

3) The exception to this is where you have opted for a monthly payment plan. In this case you have agreed to make a set payment automatically each month for a fixed number of months. The payment will be taken automatically from your card on the same day each month until full payment for the programme has been made.

4) If you do not make any payment due to Us by the due date for payment, We may charge you an administration fee, based on the hourly charge of £50.00 per hour for the time involved in recovering or attempting to recover the debt. There will be a minimum charge of one hour.

5) We take all reasonable care to ensure that the price advised is correct.

6) If We have to cancel a Booking before the start date for the Programme, due to an Event Outside Our Control persists or the unavailability of key personnel or key materials without which We cannot provide the Programme are unavailable. We will promptly contact you if this happens.

7) What happens if We got the price wrong. It is always possible that, despite Our best efforts, products and services may be incorrectly priced. We will normally check prices before accepting your booking so that, where the Product's correct price at your Booking date is less than Our stated price at your Booking date, We will charge the lower amount. If the correct price at your Booking date is higher than the price stated in Our price list, We will contact you for your instructions before We accept your Booking. If We accept and process your Booking where a pricing error is obvious and unmistakeable and could reasonably have been recognised by you as a mispricing, We may end the contract, refund you any sums you have paid and require the return of any goods provided to you.

8) What to do if you think an invoice is wrong. If you think an invoice is wrong, please contact Us promptly to let Us know and We will not charge you interest until We have resolved the issue.

11. RESCHEDULING A BOOKING

1. If you would like to reschedule your enrolment on a Programme from the original Programme date, you must notify Us in writing providing Us with full details of the original date and your preferred Programme date. We are not obliged to reschedule your enrolment but may do so at Our own discretion. You acknowledge that We may incur additional charges as a result, and We will be entitled to recover these reasonable costs from you. You further acknowledge that Our ability to reschedule will depend on the availability of places and that We shall, to the fullest extent permitted by law, have no liability to you in the event that no places are available.

12. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

1. Neither Third Friday Ltd or Greg Robinson are responsible for any investment or trading losses you incur. Virtually all investments carry risk and the strategies taught on our programmes are no different. We make no guarantee or prediction of the returns or income that You may achieve using the techniques we teach and are in no way responsible for any losses that you may incur. We will never advise You to make a particular trade and all trading decisions are your responsibility alone.

2. Third Friday Ltd are not involved in any regulated business such as being involved in arranging or advising on any finance, investments or loans.

13. EVENTS OUTSIDE OUR CONTROL

1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of Our obligations under these Terms that is caused by an Event Outside.

Our Control (including but not limited to Us having to rearrange or cancel a Programme).

An Event Outside Our Control means any act or event beyond Our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks.

2. If an Event Outside Our Control takes place that affects the performance of Our obligations under these Terms:

1) We will contact you as soon as reasonably possible to notify you; and

2) Our obligations under these Terms will be suspended and the time for performance of Our obligations will be extended for the duration of the Event Outside Our Control. Where the Event Outside Our Control affects Our performance of the Programme to you, We will rearrange the Programme as soon as reasonably possible after the Event Outside Our Control is over.

3) You may cancel the contract if an Event Outside Our Control takes place and you no longer wish Us to provide the Programme. Please see your cancellation rights under clause 8. We will only cancel the contract if the Event Outside Our Control continues for longer than two weeks in accordance with Our cancellation rights in clause 8.

14. HOW WE MAY USE YOUR PERSONAL INFORMATION

1. We will use the personal information you provide to Us to:

1) provide the Programme;

2) process your payment for such Programme; and

3) Inform you about similar products that We (or carefully selected partners) provide, but you may stop receiving these at any time by contacting Us.

2. We may pass your personal information to credit reference agencies. Where We extend credit to you, We may pass your personal information to credit reference agencies and they may keep a record of any search that they do.

3. We will only give your personal information to other third parties where the law either requires or allows Us to do so.

15. OTHER IMPORTANT TERMS

1. We may transfer this agreement to someone else. We may transfer Our rights and obligations under these Terms to another organisation, and We will always notify you in

writing if this happens, but this will not affect your rights or Our obligations under these Terms.

2. You need Our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these Terms to another person if We agree in writing.

3. Nobody else has any rights under this Contract. This contract is between you and Us. No other person shall have any rights to enforce any of its terms.

4. If a court find part of this contract illegal, the rest will continue in force. Each of the paragraphs of these Terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

5. Even if We delay in enforcing this contract, We can still enforce it later. If We fail to insist that you perform any of your obligations under these Terms, or if We do not enforce Our rights against you, or if We delay in doing so, that will not mean that We have waived Our rights against you and will not mean that you do not have to comply with those obligations. If We do waive a default by you, We will only do so in writing, and that will not mean that We will automatically waive any later default by you.

6. Which laws apply to this contract and where you may bring legal proceedings. These Terms are governed by English law. You and We both agree to submit to the non-exclusive jurisdiction of the English courts. However, if you are a resident of Northern Ireland, you may also bring proceedings in Northern Ireland

7. and if you are a resident of Scotland, you may also bring proceedings in Scotland.

16. DURATION OF SERVICES AND RESOURCES

1. We provide a number of different services and resources when you start the training programme, and they have a specific duration associated with them as follows.

2. Group Coaching: The Group Coaching programme entitles You to join a small group of other students to work through a 13-week programme of supervised training. The actual sessions will take place at agreed times and on agreed dates. If you cannot attend a particular session, then a recording will be made available. The Group Coaching aspect of the programme lasts until the final session is completed.

3. Supported Training: Supported training is designed so that the On-Line learning material is drip fed to you at an appropriate pace to work through the core course material, advanced modules and revision modules. Support is given by use of the dedicated Slack application.

4. Standard Training: A subset of the On-Line material is available within the first two weeks and then the entire catalogue is released to you. Support is provided by the dedicated Slack channel and by regular Zoom Q&A meetings.

4. Basic Training: A subset of the On-Line material is available within the first two weeks and then the entire catalogue is released to you. Support is provided by email.

5. On-Line learning resources: Both the Group Coaching, Standard Training, Supported Training and Basic Training access the online learning material provided through the Thinkific learning platform. Group Coaching, Standard Training, Supported Training and Basic Training will have access to this resource for 1 year after you begin the training.

6. PDF course notes: You may download a PDF copy of the main course notes and other slides that is yours to keep indefinitely at the end of the programme. All copies of the notes are tracked and under no circumstances should they be shared or copied.

7. Slack support and forum: All clients except Basic Training are entitled to sign up to ‘HQ’ which is our on-line community forum and support platform. You have 1 year’s access to this resource included and may pay for further access after that point.

8. Support: Support for the Group Coaching, Supported and Standard Training programmes are carried out via Slack where I will answer your questions about the material and strategy for 1 year after you make your payment. As discussed above, I am not regulated to give specific trading or investment advice and cannot advise on your personal financial circumstances. If you wish to remain part of the support community after 1 year, then there will be a small additional fee. Support for Basic Training is via email and will be available for 1 year after you sign up.

9. For the Standard Training we run regular Zoom Q&A sessions at an agreed date and time. You are welcome to attend these for 6-months after starting the training and recordings will be made available for any you miss.

10. At our discretion we may extend the access to the various resources beyond these time limits either for free or for an agreed cost.

11. If Greg Robinson should die or become incapable of providing support for some other reason during the contractual period of support then your access to the learning materials and forum will be unaffected for the agreed period. But you will be entitled to a pro-rata refund of 50% of your payment to reflect the loss of direct support for the remainder of your contract.