1. Acceptance of Terms

By purchasing or participating in The Proactive Thinker program, you acknowledge that you have read, understood, and agreed to these Terms & Conditions. Your participation in the program constitutes your acceptance of all terms outlined herein. If you do not agree to any of these terms, you should not purchase or participate in the program.

2. Program Access

Upon purchase, participants are granted access to the program. Access is provided digitally and may include materials, resources, and content intended to support learning and personal development. Access is granted solely to the purchaser and is non-transferable. The Proactive Thinker reserves the right to modify or update the program content at any time, without prior notice. Participants are responsible for ensuring that they can access and engage with the program materials.

3. No Financial or Legal Advice

The Proactive Thinker program is provided for educational purposes only. Nothing in the program should be considered as financial, investment, legal, or professional advice. Participants are solely responsible for their own decisions, actions, and results. The Proactive Thinker, its representatives, and affiliates are not responsible for any losses, damages, or outcomes resulting from the use of or reliance on the program content. You agree that your participation is entirely at your own risk and that you will not hold The Proactive Thinker liable for your personal or financial decisions.

4. Participant Responsibility

Participants are expected to engage with the program in good faith and with reasonable effort. While there is no guarantee of specific results, participants should actively apply themselves to the program and follow the recommended guidance to maximize their learning and potential outcomes. The program’s effectiveness depends on the engagement, effort, and actions of each individual participant.

5. Refund Policy

The Proactive Thinker offers a 90-day refund policy for participants who are not satisfied with the program. To be eligible for a refund, participants must demonstrate that they have completed the entire program and fulfilled all required exercises or tasks as outlined by the program guidelines. Refund requests must be submitted within 90 days of the purchase date. Refunds will not be granted if the participant has failed to complete the program or the required tasks. This policy ensures that participants take full advantage of the program before requesting a refund. Refunds, when approved, will be issued using the original payment method.

6. Intellectual Property

All content, materials, and resources provided through the program are the intellectual property of The Proactive Thinker. Participants may not copy, reproduce, distribute, or share the content in any form without prior written permission. The content is intended for personal use only and is protected by copyright laws.

7. Limitation of Liability

Participants acknowledge and agree that The Proactive Thinker is not liable for any direct, indirect, or consequential damages arising from participation in the program or reliance on its content. Results vary depending on participant engagement, and no guarantees are made regarding financial, professional, or personal outcomes.

8. Privacy

The Proactive Thinker respects participant privacy. Personal information collected during enrollment or participation will only be used to deliver program content, communicate with participants, and provide support. Personal information will not be shared with third parties, except as required by law.

9. Modifications to Terms

The Proactive Thinker reserves the right to update or modify these Terms & Conditions at any time. Continued participation in the program constitutes acceptance of any revised terms. Participants will be notified of material changes through email or other communication channels.

10. Governing Law

These Terms & Conditions are governed by the laws of the United Arab Emirates (UAE), and any disputes arising from participation in the program shall be resolved under the jurisdiction of UAE courts.