TERMS AND CONDITIONS OF SALEThis document contains the terms and conditions governing the purchase of items listed in the cart (hereinafter the "Cart"), specifically the financial training course offered by Scaledge LLC, with registered office at 18395 Gulf Blvd Ste 203 Rm 4, Indian Shores, FL, 33785 USA, EIN: 61-2212719 (hereinafter "Company" or "Provider") and the purchaser (hereinafter the "Client").
Hereinafter collectively referred to as the "Parties" and collectively as "
Parties".
WHEREAS- The Company offers training courses and consulting services in the economic-financial field, delivered digitally through platforms such as Skool and Meet, and the trainers involved are accredited by AIEF (Italian Association of Financial Educators) or by OCF (Single Registry of Financial Advisors) for their professional competencies and qualifications.
- The Client has expressed interest in the training program offered by the Company and declares that it understands its contents and educational objectives.
- The Company does not provide financial advisory services, intermediation, or asset management, nor does it provide personalized investment guidance or financial recommendations.
- The Parties intend to formalize this agreement, regulating the terms and conditions of the service offered by the Company.
All of the above, which constitutes an integral part of this agreement, the Parties agree and stipulate as follows:
Article 1 - Subject Matter of the Agreement1.1 The Company undertakes to provide the Client with the training program entitled "VIP Package," consisting of participation in
Phases 1, 2, 3, and 4 of the economic-financial training course, delivered live via Meet platform and in pre-recorded format via Skool platform. The program includes:
- Participation in all Live Masterclasses of Phases 1, 2, 3, and 4, according to the attached schedule.
- Unlimited access to the Private Community.
- Access to the Course comprising the modules indicated in Exhibit A.
- Financial management files (cash flow, budget, debt).
- Private Support with a dedicated coach on Skool.
- One-on-one Consultations:
- 2 sessions with
Chiara Pieralli, AIEF coach.
- 1 session with
AIEF Coach.
-1 educational consultation with a
financial advisor.
-1 one-on-one consultation with an OCF
Financial Advisor to create your investment portfolio.
1.2 The trainers involved in the training program are accredited by AIEF or OCF (Single Registry of Financial Advisors) and operate in compliance with their respective Codes of Ethics, ensuring the quality of the information provided.
1.3 The training does not involve the management of real accounts or trading with real money. Simulations and educational materials provided are for educational purposes only and should not be interpreted as recommendations or operational guidance for making actual investments.
1.4 The detailed program of the VIP Package, including topics covered, session duration, and class schedule, is attached to this agreement and forms an integral part thereof (Exhibit A).
Article 2 - Exclusion of Advisory Services and Regulated Activities2.1 The Company and its trainers do not provide "investment advice" pursuant to art. 1, paragraph 5-septies of Legislative Decree 58/1998 (TUF), nor do they engage in financial intermediation, portfolio management, or any other regulated activity requiring authorization. Only AIEF-certified coaches will provide educational consulting in personal finance, while only OCF-registered advisors will provide investment advice upon request.
2.2 Information provided during the course shall not be interpreted as a solicitation of public savings, financial promotion, or intermediation.
2.3 The Client acknowledges that any independent investment decision is at their sole risk and responsibility.
Article 3 - Compensation and Payment Terms3.1 The price indicated in the Cart refers to the entire Training Package and related ancillary services listed therein. Any payment by the Customer may only be made through one of the methods specified by the Provider on the dedicated web page. In case of installment payments, the exact number of installments with their respective price per installment and the debit date on the chosen payment method will also be indicated.
3.2 The compensation relates exclusively to participation in the Standard Package and does not guarantee any economic or financial results.
Article 4 - Limitation of Liability4.1 The Company shall not be liable for any losses or damages incurred by the Client arising from the use of information provided during the course, nor for autonomous trading decisions or investments.
4.2 The Company's liability is limited to willful misconduct or gross negligence cases. The Company shall not be liable for any indirect, consequential, or intangible losses suffered by the Client.
4.3 In any case, the maximum amount of compensation due from the Company shall not exceed the value of the consideration paid by the Client for the course.
Article 5 - Client Representations and Obligations5.1 The Client acknowledges that the course has exclusively educational purposes and provides no guarantee of financial success or profit.
5.2 The Client recognizes having understood the risks associated with investments and personal finance management and assumes full responsibility thereof.
5.3 The Client commits to actively participate in the training sessions and not to disclose or share with third parties the educational material provided during the course, in compliance with the Company's intellectual property rights.
5.4 Resale of the Product and related ancillary services is not permitted. The Client will receive 1 activation license and may not share credentials with third parties. The Client acquires a personal, non-exclusive, and non-transferable right to use said content. Any form of unauthorized reproduction, distribution, or sharing of content is expressly prohibited.
Article 6 - Indemnification6.1 The Client agrees to indemnify and hold harmless the Company from any claims or actions by third parties arising from violations committed by the Client in the improper use of information received during the course.
6.2 The indemnification extends to any legal actions taken by third parties in relation to the Client's improper use of information provided during the course.
Article 7 - Term and Performance of Agreement7.1 This Agreement shall remain in effect from the date of execution until the completion of the training program and scheduled consultations, as detailed in Exhibit A.
7.2 The Parties expressly agree that the performance of the agreement shall commence on the agreed start date of the training program, with the simultaneous provision to the Client of platform access credentials and educational materials.
7.3 Failure to pay, even partially, the agreed compensation according to the payment schedule chosen by the Client in Article 3.2, or breach of contractual obligations by the Client, shall result in immediate termination of the agreement pursuant to and by effect of art. 1456 of the Italian Civil Code, upon written notice from the Company via regular email (REO), as per Article 13 of this agreement, or registered mail with return receipt.
7.4 In case of early termination for causes attributable to the Client, the Company shall be entitled to retain the entire compensation paid as liquidated damages pursuant to art. 1382 of the Italian Civil Code, without prejudice to the right to compensation for any greater damage.
7.5 The Parties expressly agree that, even in case of early termination of the agreement, the provisions relating to confidentiality obligations, intellectual property, and marketing authorizations under Articles 5, 8, and 10 of this agreement shall remain valid and effective.
Article 8 - Confidentiality and Personal Data Protection8.1 The Parties undertake to maintain strict confidentiality regarding all confidential information of which they become aware during the execution of this agreement.
8.2 Personal data processing shall comply with Regulation EU 2016/679 (GDPR) and Legislative Decree 196/2003 as amended by Legislative Decree 101/2018. The complete privacy notice is attached to this agreement (Exhibit B).
Article 9 - Exception to Right of WithdrawalThe Client knowingly and expressly accepts to waive any right of rescission from this distance contract, pursuant to the exceptions to the right of withdrawal under Art. 59, paragraph 1 letters a), i) and o) of Legislative Decree September 6, 2005 n.206 (Consumer Code).
The Client, by purchasing this e-learning course, consents to the provision of digital educational content through non-material support, with the express agreement and acceptance that this circumstance precludes any right of withdrawal.
Moreover, the Client accepts to lose their right of withdrawal from this Product, as it is made fully accessible and usable to the user through the electronic transmission of authentication credentials (username and password).
Furthermore, the Client provides explicit consent for the service performance subject to this agreement to begin immediately, before the expiration of the withdrawal period provided by the Consumer Code.
Article 10 - Authorization for Publication of Videos and TestimonialsThe Client authorizes the publication of their testimonials (written, audio, or video) on the Provider's websites with any adaptations that the Provider deems necessary for publication purposes, free of charge and without time limits. The Client also authorizes the Provider, including through its collaborators, to make recordings on film, tape, or any other medium and to use, including through third parties, the recordings and/or registrations of the Client, both in their entirety and partially, in television, radio, internet, audiovisual, etc., in any form and manner and with any technical means, both in Italy and abroad for advertising and marketing purposes. Furthermore, they consent to being cited as a case study in the Provider's testimonials. This authorization does not allow the use of the image in contexts that prejudice personal dignity and decorum and, in any case, for uses and/or purposes other than those indicated above.
Article 11 - Jurisdiction and Applicable Law11.1 Before pursuing legal action, the Parties commit to attempt mediation through a recognized mediation organization, under Legislative Decree 28/2010.
11.2 This agreement shall be governed by Italian law.
11.3 Any dispute arising from this agreement shall be subject to the Court of Naples's exclusive jurisdiction, excluding any other concurrent jurisdiction.
Article 12 - Final Provisions12.1 Any modification to this agreement must be made in writing and signed by both Parties.
12.2 The invalidity or ineffectiveness of one or more clauses of this agreement shall not result in the invalidity or ineffectiveness of the entire agreement.
12.3 For matters not expressly provided for in this agreement, the provisions of the Italian Civil Code and special laws in the field shall apply.
12.4 If any provision of this agreement is deemed invalid or ineffective, the remaining provisions shall remain fully valid and effective. The Parties undertake to replace invalid clauses with valid ones having equivalent content and purpose.
Article 13 - Electronic Domicile for Communications13.1 The Parties designate, for the purposes of relevant communications relating to this agreement, the following regular email addresses (REO) as their respective electronic domiciles:
- Client's email address: email inserted in the Chart
- Provider's email address: legal@scaledge.net
13.2 The Parties expressly agree that all communications, notifications, and declarations made via regular email (REO) sent to the respective email addresses indicated above shall be considered valid and effective for all legal purposes, including, but not limited to, communications of a legal nature, contractual modifications, requests for performance, and withdrawal communications, unless the law or this agreement expressly requires a different form of communication.
13.3 Each Party undertakes to monitor their designated email address regularly and to promptly notify the other Party in writing of any change thereof, it being understood that, in the absence of such notification, all communications sent to the respective indicated email address shall be considered validly received.
EXHIBITS:- Exhibit A: Detailed Course Program
Exhibit A: Detailed Financial Training Course ProgramCourse Duration: The
VIP Package training program lasts
8 weeks, starting from the date agreed upon between the Parties.
Private Community Access: Unlimited time access.
VIP Package ContentsPHASE 1: (from
Week 1 to Week 2)
- Welcome to the Course
- Structure and approach
- Guide to Skool channel
- What is financial education
- Define your current financial situation
- The 4 quadrants of cashflow
- Main financial terms/glossary
- Good debt vs bad debt (why not to get into debt)
- Compound interest
- Understanding inflation
- Module 3: Psychology of Money
- Introduction to Financial Mindset
- Abundance VS scarcity mentality
- Relationship with money
- Mindset changes
- Money myths - Part 1
- Money myths - Part 2
- Financial habits of successful people
- Module 4: Money Management
- SMART financial goals
- Why you must force savings and create extra income
- Revolut piggy bank system
- GDP Account and Current Account
- Cash Based Financial Security
- Emergency fund
- Deposit accounts
- Asset protection
- Saving strategies
PHASE 2: (from Week 3 to Week 4) –
- What is a budget and why it's important
- Creating a budget from scratch
- Budgeting apps
- Monitoring and updating the budget
- Most common budgeting mistakes and how to avoid them
-
Bonus: Personal management Excel
- What is an investment
- Investing vs saving
- Investment psychology
- Risk in investments
- Bonds
- Stocks
- Long-term vs short-term stocks
- ETF
- Portfolio diversification
- Investment taxes
- Expense tracking apps
- JustETF, Finviz, Investing, Yahoo Finance, Simply Wall St, SeekingAlpha, Morning Star - TradeRepublic - Compound interest simulator
PHASE 3: (from Week 5 to Week 6) –
- Module 7: Advanced Investments
- The investment pyramid
- How much money you need to invest
- FITD: what protects our current accounts
- Diversification and correlation
- Advanced investment tools
- Active vs passive management mutual fund
- Brokers: how to choose the right one
- RoboAdvisor
- Alternative investments
- Cryptocurrencies
- Module 10: Pension and Insurance
- Calculating pension needs
- Investing for retirement
- Pension planning
- Common pension planning mistakes
- Difference between public and private pensions
- Insurance basics: types and importance
- Life insurance
- Insurance policy for protection
- Additional Module: Advanced Money Management
- In-depth asset management
- Long-term financial planning
- Asset protection strategies
PHASE 4: (from Week 7 to Week 8) - Module 8: How Chiara Invests
- How Chiara invests
- ETF and accumulation plan
- How to choose an ETF
- Example of balanced portfolio with ETF
- How to start an accumulation plan with TradeRepublic
- Module 9: Advanced Economics
- Central banks and monetary policies
- Economic cycles
- Interest rates
- Most important macroeconomic data
- How banks work and how they earn
- Additional Module: Family Money Management
- Family financial management
- Economic planning for the family
- Effective communication about family finances
Live Masterclasses IncludedThe
VIP Package includes access to the following
Live Masterclasses, delivered through the Meet platform:
- Week 1: Introductory Call (open to all participants)
- Week 2: Live Masterclass (Phase 1 Deep Dive) - reserved for Premium and VIP
- Week 3: Live Masterclass (Phase 1) - open to all
- Week 4: Live Masterclass (Phase 2) - open to all
- Week 5: Live Masterclass (Phase 2 Deep Dive) - reserved for Premium and VIP
- Week 6: Live Masterclass (Phase 3) - reserved for Premium and VIP
- Week 7: Live Masterclass (Phase 4) - reserved for VIP participants
- Week 8: Final course Call (open to all participants)
Educational Material - Financial management files (cash flow, budget, debt)
- Access to Live Masterclass recordings
- Educational material provided in digital format
Assistance and Support - WhatsApp Chat for support and assistance during the course
- Private Support with a reference coach on Skool
- One-on-one Consultations:
- 2 sessions with Chiara Pieralli Coach AIEF
- 1 session with Coach AIEF
- 1 educational consultation with a financial advisor
- 1 one-on-one consultation with OCF Financial Advisor
Important Notes- The course is divided into four phases:
•
Phase 1: ends at the end of
Week 2 •
Phase 2: ends at the end of
Week 4 •
Phase 3: ends at the end of
Week 6 •
Phase 4: ends at the end of
Week 8- Access to the Private Community is unlimited for VIP Package participants.
- All participants will have access to the Final Call of the course during Week 8.
Teaching Methodology- Interactive theoretical lessons
- Practical exercises and simulations
- Group discussions and case study analysis
- Educational material provided in digital format
Tools Used- Meet Platform for live sessions
- Skool Platform for pre-recorded course delivery
Note: This program may undergo slight modifications based on educational needs and participant feedback, while maintaining the general educational objectives.
Last updated: 12/11/2024
Pursuant to and for the purposes of articles 1341 and 1342 of the Italian Civil Code, the Client declares to have carefully read and specifically approves the clauses in Articles: 2 (Exclusion of Advisory Services and Regulated Activities), 3.4 (Exclusion of Guarantee), 4 (Limitation of Liability), 6 (Indemnification), 7 (Termination), 9 (Exception to right of withdrawal) and 11 (Jurisdiction and Applicable Law).
Furthermore declares to specifically accept the clause in Article 10 (authorization for publication of videos and testimonials).