1. You hereby agreed & acknowledges your purchase & participation of our UOIB online learning & online trading program. UOIB is based on membership subscription model that renews automatically on yearly basis.

2. All sales are FINAL & NON-REFUNDABLE once we release all perks and access to our UOIB mentorship program to you including access to our privilege telegram trading groups. NO Refund / Cancellation request will be entertain once you have join our members telegram groups and gain access to our students video portal.

3. In the event under "special emergency circumstances" on our sole discretion & review we would allowed refund after (minus) -5% credit card charges (limited to only within 3 days from the date of the official "Welcome Email")

4. (RENEWAL) You may discontinue the renewal (if any) of our program BEFORE your mentorship program renewal date by email to us at [email protected]

5. (RENEWAL) Once the program renews for the subsequent year and charges imposed to your credit card, within 7 days all refunds are subjected to a 10% cancellation fee and NO REFUND beyond 7 days as all sales are deemed final beyond this point.

6. You are hereby informed on all the above terms of our program. By joining our program you are deem to have agreed and accepted the terms of the UOIB program.

7. (RENEWAL) UOIB membership as informed to members via our info session that you attended shall renews automatically every year. Your UOIB membership expiry date will be 1 year from the date of this welcome email. You are self responsible to inform us before it renews shall you wish discontinue the subscription. There will be automatic reminders send out via email to members before it renews but it’s is still entirely on the onus of the members to be aware and to inform us if you do not wish to continue. Notice to discontinue membership can be send to us via our official email. All other terms as above is applicable.