Terms and Conditions of Membership

Last Updated: April 11, 2026

1. INTRODUCTION AND LEGAL EFFECT

1.1 These Terms and Conditions (“Terms”) constitute a formal, legally binding agreement between The Fortune Getters Investors Club (TFGI), hereinafter referred to as “the Club,” and any individual who applies for, is admitted into, or continues to hold membership within the Club, hereinafter referred to as “the Member.” This agreement governs the entirety of the relationship between the Member and the Club and shall be enforceable within the operational and governance framework of the ecosystem.

1.2 By submitting an application, completing any stage of onboarding, accessing Club systems, or participating in any Club activity, the Member expressly acknowledges that they have read, understood, and agreed to be bound by these Terms in their entirety. Continued participation shall be deemed as ongoing acceptance of any updates or modifications made to these Terms.

1.3 These Terms shall be interpreted in conjunction with, and not in isolation from, the Constitution of the Club, Membership Charters, Codes of Conduct, Ethical Standards, By-Laws, internal policies, and any lawful directives issued by the Club from time to time (collectively referred to as “the Governance Framework”).

1.4 In the event of any inconsistency between these Terms and any other governance document, the Constitution of the Club shall prevail as the supreme governing authority.

1.5 These Terms are intended to define not only the legal relationship between the Member and the Club but also the standards of conduct, responsibility, discipline, and engagement expected within the ecosystem, ensuring consistency, accountability, and continuity across all levels of membership.

2. DEFINITIONS AND INTERPRETATION

2.1 For the purposes of these Terms and Conditions, unless the context otherwise requires, the following terms shall have the meanings assigned below:

2.1.1 “Club” refers to The Fortune Getters Investors Club (TFGI), including its governing organs, leadership structures, operational units, affiliated entities, programs, initiatives, systems, and all authorized representatives acting within the scope of their mandate.

2.1.2 “Member” refers to any individual who has applied for, been admitted into, or continues to hold membership within the Club, regardless of membership category, class, tier, or level of participation.

2.1.3 “Membership” refers to the formal, conditional association between the Member and the Club, granted upon approval and maintained subject to compliance with these Terms and the Governance Framework.

2.1.4 “Governance Framework” refers collectively to the Constitution of the Club, Membership Charters, Codes of Conduct, Ethical Standards, By-Laws, policies, regulations, operational manuals, and all lawful directives issued by the Club from time to time.

2.1.5 “Initiatives” refers to all programs, projects, platforms, ventures, events, activities, and operational undertakings organized, facilitated, or endorsed by the Club, whether financial, social, educational, entrepreneurial, or developmental in nature.

2.1.6 “Systems” refers to all digital and physical infrastructure operated by the Club, including websites, databases, applications, communication platforms, internal portals, and technological frameworks used for administration or engagement.

2.1.7 “Resources” refers to all tangible and intangible assets owned, controlled, or administered by the Club, including financial resources, intellectual property, facilities, tools, documents, branding, and institutional materials.

2.1.8 “Confidential Information” refers to any non-public, proprietary, sensitive, or internal information relating to the Club, its Members, operations, strategies, governance, systems, or activities, whether disclosed orally, in writing, digitally, or otherwise.

2.1.9 “Effective Date” refers to the date on which the Member accepts these Terms, completes onboarding, or begins participation in any Club system, platform, or activity, whichever occurs first.

2.2 In the interpretation and application of these Terms, unless the context otherwise requires, words importing the singular shall include the plural and vice versa, and words importing any gender shall include all genders. References to any document shall include all amendments, modifications, replacements, restatements, or updates thereto, whether made before or after the Member’s admission into the Club. Headings, titles, and section references are for convenience only and shall not affect interpretation, meaning, or enforcement of these Terms.

2.3 Any reference to discretion exercised by the Club, its governing bodies, or authorized representatives shall be interpreted as the lawful, structured, and good-faith exercise of authority within the Governance Framework. Such discretion shall not be construed as arbitrary but as a necessary mechanism for maintaining order, alignment, integrity, and sustainability of the Club and its ecosystem.

3. REPRESENTATIONS, WARRANTIES, AND ACCURACY OF INFORMATION

3.1 The Member represents and warrants that all information submitted to the Club, whether during application, onboarding, verification, or any subsequent engagement, is true, accurate, complete, and not misleading in any material respect. This includes, but is not limited to, personal identification details, academic records, professional background, financial disclosures, and biographical information.

3.2 The Member further warrants that all documentation, certificates, records, or supporting materials submitted in relation to their application or membership status are genuine, lawfully obtained, and have not been altered, falsified, or misrepresented in any manner.

3.3 The Member acknowledges that the Club relies on the accuracy and integrity of all submitted information in making decisions relating to admission, classification, access rights, participation levels, and engagement opportunities within the ecosystem.

3.4 The Member undertakes a continuing obligation to ensure that all information previously submitted remains accurate, valid, and up to date throughout the duration of their membership.

3.5 The Member agrees to promptly notify the Club of any change, correction, or update to their personal, academic, professional, financial, or contact information that may reasonably affect their membership status or participation.

3.6 The Member acknowledges that failure to disclose material changes in information shall constitute a breach of these Terms and may result in administrative review, suspension, or termination of membership.

3.7 The Club reserves the absolute right to verify, validate, or authenticate any information submitted by the Member at any time, using internal or external verification mechanisms, including but not limited to background checks, document verification, and third-party confirmation.

3.8 The Member agrees to fully cooperate with any verification, audit, or review process initiated by the Club and shall provide any additional documentation or clarification reasonably requested.

3.9 The Member acknowledges that refusal, delay, or failure to provide requested verification information within a reasonable timeframe may result in suspension of access, restriction of privileges, or termination of membership.

3.10 The Member expressly acknowledges that any false, fraudulent, misleading, or incomplete information provided to the Club constitutes a material breach of these Terms and undermines the integrity of the entire ecosystem.

3.11 The Member agrees that in the event of misrepresentation or falsification, the Club may, at its sole discretion, revoke membership, withdraw benefits, restrict access to systems, and pursue any corrective or disciplinary measures deemed necessary.

3.12 The Member acknowledges that the Club shall not be held liable for any decisions made, opportunities granted, or privileges extended based on inaccurate or misleading information provided by the Member.

3.13 The Member agrees to indemnify, defend, and hold harmless the Club, its governing bodies, officers, representatives, and affiliated entities from and against any losses, damages, claims, liabilities, or expenses arising directly or indirectly from inaccurate, incomplete, or fraudulent information submitted by the Member.

3.14 The Member acknowledges that the obligation of accuracy and truthfulness is continuous and survives beyond admission, review, suspension, or termination of membership.

3.15 The Member agrees that any attempt to manipulate, conceal, or distort information in order to gain unfair advantage within the Club shall be treated as a serious breach of integrity and may attract immediate disciplinary action.

3.16 The Member further acknowledges that the Club operates on a trust-based ecosystem, and any violation of truthfulness standards directly undermines the collective stability, credibility, and long-term sustainability of the organization.

3.17 The Member accepts that the Club’s reliance on submitted information is fundamental to its governance, operational structure, and decision-making processes, and therefore warrants strict compliance with this Section at all times.

4. MEMBERSHIP ADMISSION, STATUS, AND NATURE

4.1 Membership in The Fortune Getters Investors Club (TFGI) is strictly discretionary and shall only be granted upon successful completion of a structured application, evaluation, and onboarding process as determined exclusively by the Club, which may be modified, expanded, or refined at any time to preserve institutional integrity and strategic alignment.

4.2 The Club retains full and unrestricted authority over all admission procedures and may introduce, adjust, or eliminate any requirement, stage, or condition without prior notice or external consultation.

4.3 The Member acknowledges that admission into the Club does not constitute a right, entitlement, or guaranteed outcome but is a privilege extended solely at the discretion of the Club.

4.4 The Club shall have absolute discretion to accept, defer, reject, suspend, or withdraw any application at any stage of the process without obligation to provide justification or explanation.

4.5 The Member agrees that all admission-related decisions shall be final, binding, and non-contestable, subject only to internal review mechanisms established by the Club.

4.6 Membership shall only become valid upon formal approval and activation within the Club’s official systems, and any prior interaction or participation shall not imply acceptance.

4.7 The Member acknowledges that provisional participation, early engagement, or partial onboarding shall not constitute full membership unless expressly confirmed in writing or through official systems.

4.8 Membership within the Club is conditional in nature and shall remain subject to continuous evaluation based on conduct, participation, contribution, and alignment with the Club’s values and objectives.

4.9 The Club reserves the right to impose probationary periods, conditional approvals, or staged onboarding processes prior to granting full membership status.

4.10 The Member acknowledges that membership classification, including category, class, tier, or designation, shall be determined solely by the Club based on internal assessment criteria.

4.11 The Club reserves the right to review, reassign, upgrade, downgrade, or restructure membership classifications at any time where deemed necessary for operational or strategic alignment.

4.12 Membership rights and privileges are strictly personal to the Member and shall not be transferable, assignable, or delegable under any circumstances.

4.13 The Member shall not sell, transfer, delegate, or otherwise allow any third party to access or benefit from their membership status.

4.14 Membership shall not constitute employment, partnership, agency, or fiduciary relationship unless expressly stated in writing by the Club.

4.15 The Member acknowledges that continued membership is dependent on sustained compliance with the Governance Framework and all applicable policies of the Club.

4.16 The Club reserves the right to conduct periodic reviews of membership status to ensure alignment with institutional values, contribution expectations, and behavioral standards.

4.17 Failure to meet participation, engagement, or contribution expectations may result in suspension, restriction, or termination of membership.

4.18 The Member acknowledges that active participation is a core expectation of membership and that passive or disengaged conduct may affect membership standing.

4.19 The Club may temporarily restrict access to systems, platforms, or benefits during evaluation, compliance checks, or disciplinary review processes.

4.20 Membership may be revoked where the Member is found to be in breach of these Terms or any part of the Governance Framework.

4.21 The Club reserves the right to restructure, redesign, or redefine membership categories and frameworks as part of its institutional evolution.

4.22 Any restructuring of membership systems shall not give rise to claims, compensation, or legal entitlement by Members.

4.23 The Member acknowledges that continued association with the Club is conditional upon alignment with its vision, mission, and long-term strategic direction.

4.24 The Club may terminate membership where continued association is deemed inconsistent with its objectives or detrimental to the ecosystem’s integrity.

4.25 Admission decisions shall become final upon official communication through the Club’s designated channels and systems.

4.26 The Member acknowledges that participation in Club-related activities prior to formal approval does not create any expectation of membership approval.

4.27 The Club may establish eligibility thresholds including behavioral, academic, financial, or engagement-based criteria for admission and continued membership.

4.28 The Member agrees that all membership determinations shall be governed exclusively by the Club’s internal governance framework and not external expectations or influences.

4.29 The Member acknowledges that membership is a dynamic status that may evolve, change, or be withdrawn based on ongoing evaluation.

4.30 The Member confirms that continued participation in any Club system or activity constitutes acceptance of all membership conditions, classifications, and governance decisions whether explicitly stated or subsequently updated.

5. MEMBER OBLIGATIONS AND PARTICIPATION

5.1 The Member acknowledges and agrees that membership within The Fortune Getters Investors Club (TFGI) carries with it continuous obligations of participation, contribution, and engagement, which form the foundation of the Club’s operational philosophy and collective growth model.

5.2 The Member undertakes to actively participate in the activities, programs, initiatives, and engagements of the Club, including but not limited to discussions, projects, collaborations, events, and any assigned or voluntary responsibilities.

5.3 The Member acknowledges that passive participation, prolonged inactivity, or deliberate disengagement may be interpreted as non-compliance with membership expectations and may affect their standing within the Club.

5.4 The Member agrees that contribution within the Club is not limited to financial input but extends to intellectual, social, creative, strategic, and operational contributions as may be required or encouraged by the Club.

5.5 The Member shall be expected to demonstrate initiative, responsibility, and accountability in all engagements and shall not rely solely on instruction or external prompting to participate in Club activities.

5.6 The Member acknowledges that the Club operates on a principle of collective growth, and therefore each Member carries an obligation to contribute toward the development and sustainability of the ecosystem.

5.7 The Member agrees to respect timelines, commitments, and responsibilities assigned within Club initiatives and shall complete such obligations with due diligence and professionalism.

5.8 The Member shall ensure that their conduct, communication, and engagement within the Club reflect a standard of respect, discipline, and alignment with the values and objectives of the ecosystem.

5.9 The Member acknowledges that failure to respond to reasonable communication, requests, or participation requirements may be treated as disengagement and subject to review.

5.10 The Member agrees to maintain consistent communication within official Club platforms and channels as designated for operational, social, or governance purposes.

5.11 The Member shall not engage in conduct that undermines the unity, productivity, or integrity of the Club, whether directly or indirectly, within or outside Club platforms.

5.12 The Member acknowledges that participation in the Club is both a privilege and a responsibility, and that benefits within the ecosystem are closely tied to demonstrated contribution and engagement.

5.13 The Member agrees to collaborate in good faith with other Members and to promote a culture of mutual support, respect, and collective advancement.

5.14 The Member shall not intentionally disrupt, delay, or obstruct the execution of Club initiatives, projects, or programs.

5.15 The Member acknowledges that the Club may assign roles, responsibilities, or participation requirements based on capacity, classification, or operational need, and agrees to reasonably comply with such assignments.

5.16 The Member undertakes to uphold a standard of discipline, consistency, and reliability in all interactions with the Club.

5.17 The Member agrees that failure to meet participation expectations may result in administrative review, temporary suspension of privileges, or other corrective measures as determined by the Club.

5.18 The Member acknowledges that the Club reserves the right to assess engagement levels and participation patterns as part of ongoing membership evaluation.

5.19 The Member agrees that engagement within the Club shall be evaluated not only quantitatively but also qualitatively in terms of value, impact, and alignment with objectives.

5.20 The Member acknowledges that sustained non-participation may result in classification review, downgrading, or termination of membership where deemed necessary.

5.21 The Member agrees to respect collaborative structures, leadership directives, and operational guidelines established by the Club from time to time.

5.22 The Member shall act in a manner that promotes unity, cohesion, and collective purpose within the ecosystem.

5.23 The Member acknowledges that the Club may introduce participation benchmarks, contribution metrics, or engagement requirements to assess membership activity.

5.24 The Member agrees that such benchmarks may evolve over time and shall remain binding upon communication or implementation.

5.25 The Member shall not exploit Club systems or participation structures for personal gain in a manner that undermines collective objectives.

5.26 The Member acknowledges that integrity of participation is a core principle of membership and shall ensure that all contributions are made in good faith.

5.27 The Member agrees that participation includes both physical and digital engagement, including virtual platforms, meetings, forums, and communication channels.

5.28 The Member shall remain accountable for responsibilities accepted within the Club and shall ensure proper execution or communication of any inability to fulfill such responsibilities.

5.29 The Member acknowledges that consistent engagement is essential for personal growth, ecosystem development, and sustained membership value within the Club.

5.30 The Member affirms that continued participation within any Club system, initiative, or platform constitutes acceptance of these obligations and agreement to uphold them in full.

6. FINANCIAL OBLIGATIONS AND CONTRIBUTIONS

6.1 The Member acknowledges and agrees that membership within The Fortune Getters Investors Club (TFGI) may involve financial obligations which are mandatory, structured, and enforceable under the Governance Framework, depending on the Member’s classification, selected membership plan, and participation level.

6.2 All financial contributions shall be made strictly through payment channels officially approved, designated, or communicated by the Club, and the Member shall not use unauthorized, informal, or external payment methods under any circumstances.

6.3 The Club shall not be held liable for any payments made outside officially approved channels, and such payments shall be deemed invalid unless expressly verified and acknowledged by the Club.

6.4 The Member agrees that financial obligations may include, but are not limited to, registration fees, annual subscription fees, membership renewal fees, and initiative-specific contributions as determined by the Club.

6.5 Registration fees shall be payable upon application or onboarding and may form part of the membership assessment and classification process.

6.6 Annual subscription fees may be required for continued access to Club systems, initiatives, platforms, and membership privileges, subject to classification and membership tier.

6.7 The Club may introduce structured payment plans to accommodate Members, allowing contributions to be made in installments or predefined schedules as communicated through official channels.

6.8 The Member may select from available payment plans at the time of registration or renewal, subject to eligibility and approval by the Club.

6.9 Any selected payment plan shall become binding upon acceptance and shall govern the timing, structure, and completion of financial obligations.

6.10 The Club reserves the right to revise, restructure, or introduce new payment plans in response to operational, strategic, or administrative requirements.

6.11 Discounts, waivers, or adjustments to financial obligations may be granted at the sole discretion of the Club or as part of approved payment plans, membership categories, or promotional frameworks.

6.12 Any discount or financial adjustment shall be conditional and subject to compliance with the selected payment plan and membership requirements.

6.13 The Member acknowledges that financial contributions may form part of membership evaluation, classification, or scoring systems used by the Club.

6.14 Failure to fulfill registration or subscription payments may negatively impact membership assessment, access rights, or progression within the Club structure.

6.15 The Club reserves the right to suspend, restrict, or limit access to systems, initiatives, or services in the event of delayed or incomplete payments.

6.16 Late payments may attract penalties, additional charges, or administrative fees as determined by the Club and communicated through official channels.

6.17 Continued failure to settle outstanding obligations may result in disciplinary action, including suspension or termination of membership.

6.18 The Member acknowledges that certain financial obligations may be approved through a General Assembly resolution and ratified by the Supreme Council of the Club.

6.19 Any financial obligation approved through official governance structures shall be binding upon all applicable Members.

6.20 The Member agrees that initiative-based contributions may be required depending on voluntary participation in specific programs, projects, or investment opportunities.

6.21 Such initiative-based contributions shall be communicated clearly prior to participation and shall be binding upon voluntary enrollment.

6.22 The Club shall maintain full discretion in determining the structure, timing, and purpose of financial contributions related to initiatives and programs.

6.23 The Member acknowledges that financial contributions are essential to the sustainability, growth, and operational continuity of the Club ecosystem.

6.24 The Member agrees to fulfill all financial obligations in a timely, disciplined, and responsible manner in accordance with agreed schedules.

6.25 The Club shall not be responsible for financial inconvenience resulting from failure by the Member to comply with payment obligations or deadlines.

6.26 The Member acknowledges that non-payment or default may affect eligibility for participation in Club opportunities, programs, or benefits.

6.27 The Club reserves the right to review and update financial policies, contribution structures, and payment frameworks as part of institutional development.

6.28 Any updates to financial obligations shall be communicated through official Club channels and shall take effect upon issuance unless otherwise stated.

6.29 The Member agrees that financial obligations shall survive termination of membership where such obligations were incurred prior to termination.

6.30 The Member confirms that all financial commitments made within the Club are entered into voluntarily, with full understanding of their binding nature and enforceability under the Governance Framework.

7. CODE OF CONDUCT AND ETHICAL COMPLIANCE

7.1 The Member acknowledges and agrees that all matters relating to conduct, behavior, ethics, professionalism, discipline, and interpersonal engagement within The Fortune Getters Investors Club (TFGI) shall be governed strictly by the official TFGI Code of Conduct Charter, as amended, updated, or replaced from time to time by the Club.

7.2 The Member further acknowledges that the Code of Conduct Charter constitutes an integral and binding extension of these Terms and Conditions, and any breach of the Code of Conduct shall automatically be deemed a breach of these Terms.

7.3 The Member agrees to comply fully with all provisions, standards, expectations, and disciplinary frameworks set out under the TFGI Code of Conduct Charter and recognizes that adherence to such standards is a continuous condition of membership within the Club.

7.4 In the event of any inconsistency between general behavioral expectations expressed in these Terms and the detailed provisions of the Code of Conduct Charter, the Code of Conduct Charter shall prevail as the primary governing document on matters of conduct and ethics.

8. CONFIDENTIALITY, PRIVACY, AND DATA PROTECTION

8.1 The Member acknowledges and agrees that all matters relating to confidentiality, privacy, data collection, data processing, data storage, and data protection within The Fortune Getters Investors Club (TFGI) shall be governed strictly by the official TFGI Privacy Policy and Data Protection Policy, as may be amended, updated, or replaced from time to time by the Club.

8.2 The Member further acknowledges that the Privacy Policy and Data Protection Policy constitute an integral and binding extension of these Terms and Conditions, and any breach of such policies shall automatically be deemed a breach of these Terms.

8.3 The Member agrees that any personal data, information, or records submitted to the Club or generated through participation in Club systems shall be handled in accordance with the provisions set out in the Privacy Policy and applicable governance framework.

8.4 The Member expressly consents to the lawful processing, storage, and use of their data strictly for legitimate Club purposes as defined in the Privacy Policy, and acknowledges that continued membership constitutes ongoing acceptance of such processing under the applicable legal and governance standards.

8.5 In the event of any inconsistency between these Terms and the Privacy Policy or Data Protection Policy, the Privacy Policy shall prevail on all matters relating to data protection, privacy rights, and confidentiality obligations.

9. INTELLECTUAL PROPERTY RIGHTS

9.1 The Member acknowledges and agrees that all intellectual property rights relating to The Fortune Getters Investors Club (TFGI), including but not limited to branding, logos, names, slogans, documents, systems, platforms, publications, frameworks, training materials, digital content, research outputs, and operational tools, are and shall remain the exclusive property of the Club unless expressly stated otherwise in writing.

9.2 The Member shall not, at any time during or after membership, reproduce, copy, distribute, modify, publish, sell, license, or otherwise exploit any intellectual property belonging to the Club without prior written authorization from the Club’s authorized governance authority.

9.3 The Member acknowledges that access to Club materials, systems, and content does not confer ownership rights or any form of implied license beyond what is strictly necessary for participation within the Club’s ecosystem.

9.4 Any content, materials, reports, proposals, designs, innovations, or outputs created, developed, or contributed by the Member in the course of participating in Club activities may, at the discretion of the Club and subject to applicable governance policies, be deemed to be the intellectual property of the Club or jointly owned with the Club.

9.5 The Member agrees that any unauthorized use, reproduction, or exploitation of the Club’s intellectual property shall constitute a material breach of these Terms and may result in disciplinary action, legal enforcement, or termination of membership rights.

9.6 The Member further agrees that the obligations under this Section shall survive the termination, suspension, or expiration of membership and shall remain enforceable indefinitely with respect to all intellectual property belonging to the Club.

10. USE OF CLUB SYSTEMS, PLATFORMS, AND RESOURCES

10.1 The Member acknowledges and agrees that access to The Fortune Getters Investors Club (TFGI) systems, platforms, digital infrastructure, communication channels, databases, and any related technological or physical resources is granted strictly for the purpose of participation in Club activities and shall be governed by the Club’s internal rules, policies, and operational guidelines.

10.2 The Member further acknowledges that all Club systems, including but not limited to websites, portals, dashboards, applications, internal tools, communication groups, and data management systems, remain the exclusive property and controlled infrastructure of the Club and are provided on a conditional access basis.

10.3 The Member agrees to use all Club systems and resources in a responsible, lawful, ethical, and strictly authorized manner, and shall not engage in any activity that may compromise, disrupt, damage, or interfere with the normal functioning, security, or integrity of such systems.

10.4 The Member shall not attempt to gain unauthorized access to any part of the Club’s systems, platforms, databases, or restricted areas, nor shall they attempt to bypass, disable, or interfere with any security mechanisms, authentication processes, or access controls implemented by the Club.

10.5 The Member acknowledges that any misuse, abuse, unauthorized access, or manipulation of Club systems or resources shall constitute a serious breach of these Terms and may result in immediate suspension, termination of access, disciplinary action, or legal proceedings as deemed appropriate by the Club.

10.6 The Member agrees that all data accessed through Club systems, whether personal, operational, financial, or administrative, shall be treated as confidential and shall not be copied, extracted, shared, distributed, or used for any purpose outside the scope of authorized Club activities.

10.7 The Member shall not introduce any malicious software, harmful code, automated scripts, or any form of digital interference into Club systems, nor shall they engage in activities that may compromise system performance, security, or data integrity.

10.8 The Member acknowledges that the Club reserves the right to monitor, log, audit, and review usage of its systems and resources for purposes of security, compliance, performance management, and governance enforcement.

10.9 The Member agrees that access to Club systems may be modified, restricted, suspended, or revoked at any time at the sole discretion of the Club without prior notice where such action is deemed necessary for security, compliance, disciplinary, or operational reasons.

10.10 The Member further acknowledges that all intellectual, operational, and digital outputs generated within Club systems may be recorded, stored, analyzed, and utilized by the Club in accordance with its internal governance policies and applicable legal frameworks.

10.11 The Member agrees that upon termination, suspension, or exit from the Club, access to all systems, platforms, and digital resources shall be immediately revoked, and any residual obligations relating to confidentiality and system integrity shall remain in full force.

10.12 The Member acknowledges that the Club may update, upgrade, modify, or replace any of its systems, platforms, or technological infrastructure at any time, and such changes shall not require individual consent from Members to remain valid and enforceable.

10.13 The Member agrees that continued use of any Club system or platform constitutes full acceptance of this Section and all associated operational rules, whether expressly communicated or implied through usage.

11. LIABILITY, RESPONSIBILITY, AND INDEMNITY

11.1 The Member acknowledges and agrees that participation in The Fortune Getters Investors Club (TFGI) is undertaken entirely at their own responsibility and risk, and that the Club shall not be liable for any personal, financial, academic, professional, or indirect losses arising from membership participation or engagement in Club activities.

11.2 The Member accepts full responsibility for all actions, decisions, conduct, and omissions undertaken during their membership within the Club, whether performed individually or as part of any collective initiative.

11.3 The Member agrees that the Club shall not be held liable for any loss, damage, or harm resulting from reliance on information, guidance, opportunities, or communications provided within the Club ecosystem.

11.4 The Member acknowledges that all participation in Club programs, initiatives, events, or activities is voluntary and undertaken at their own discretion.

11.5 The Member agrees that the Club shall not be responsible for any financial loss, missed opportunity, or outcome resulting from participation or non-participation in any Club initiative.

11.6 The Member hereby indemnifies and agrees to hold harmless the Club, its governing bodies, officers, representatives, partners, and affiliates against any and all claims, liabilities, damages, losses, or expenses arising directly or indirectly from their actions or omissions.

11.7 The Member agrees that indemnity obligations shall extend to legal fees, administrative costs, operational losses, and any other expenses incurred by the Club as a result of Member conduct or breach.

11.8 The Member acknowledges that any misuse of Club systems, resources, or platforms that results in loss or damage shall render the Member fully liable for such consequences.

11.9 The Member agrees that the Club shall not be liable for interruptions, delays, technical failures, or system downtime affecting access to Club platforms or services.

11.10 The Member acknowledges that external factors, including third-party service providers, network issues, or unforeseen operational disruptions, may affect Club services, and the Club shall bear no liability for such occurrences.

11.11 The Member agrees that any advice, guidance, mentorship, or recommendations provided within the Club are for informational and developmental purposes only and do not constitute professional, financial, or legal guarantees.

11.12 The Member acknowledges that outcomes resulting from participation in Club initiatives are not guaranteed and may vary depending on individual effort, circumstances, and external factors.

11.13 The Member agrees that they shall be solely responsible for verifying the suitability, risks, and implications of any opportunity, initiative, or engagement before participation.

11.14 The Member accepts that the Club shall not be liable for disputes arising between Members or between Members and third parties in the course of Club-related activities.

11.15 The Member agrees to assume full responsibility for any breach of law, regulation, or external obligation arising from their participation in Club activities.

11.16 The Member acknowledges that the Club shall not be liable for reputational, emotional, psychological, or indirect damages experienced during or after membership.

11.17 The Member agrees that indemnity obligations under this Section shall survive termination, suspension, or withdrawal of membership without limitation in time.

11.18 The Member acknowledges that the Club acts solely as a facilitation, coordination, and governance ecosystem and does not assume personal liability for Member outcomes.

11.19 The Member agrees that any claims against the Club must be brought in accordance with internal governance procedures before any external action is considered.

11.20 The Member confirms that they have read, understood, and voluntarily accepted the full extent of liability limitation and indemnity obligations set out in this Section as a binding condition of membership.

12. CONFLICT OF INTEREST

12.1 The Member acknowledges and agrees that participation in The Fortune Getters Investors Club (TFGI) requires full transparency, loyalty, and good faith engagement, and shall not be compromised by any personal, professional, financial, or external interest that may conflict with the objectives of the Club.

12.2 A conflict of interest shall be deemed to arise where the Member’s personal, external, or third-party obligations interfere with, influence, or appear to influence their duties, responsibilities, or decisions within the Club.

12.3 The Member undertakes to avoid any situation that may create actual, potential, or perceived conflict between their interests and those of the Club.

12.4 The Member agrees that loyalty to the Club shall take precedence over any external affiliation, engagement, or obligation that may compromise the integrity or objectives of the ecosystem.

12.5 The Member shall promptly disclose any actual, potential, or perceived conflict of interest to the Club through the appropriate governance or reporting channels as may be prescribed.

12.6 Failure to disclose a conflict of interest shall constitute a material breach of these Terms and may result in disciplinary action, including suspension or termination of membership.

12.7 The Club reserves the right to evaluate disclosed conflicts and determine appropriate measures, including restriction of participation, reassignment of roles, or removal from specific activities.

12.8 The Member acknowledges that conflict of interest includes but is not limited to financial gain, personal benefit, competitive advantage, or external influence that undermines Club interests.

12.9 The Member shall not use their position within the Club to advance personal business, external ventures, or third-party interests in a manner that compromises fairness or integrity.

12.10 The Member agrees not to engage in dual representation or competing obligations that may affect their impartiality or commitment to the Club.

12.11 The Member shall not exploit confidential information, internal knowledge, or access gained through the Club for external benefit or competitive advantage.

12.12 The Member acknowledges that even the appearance of conflict may be sufficient grounds for review or intervention by the Club.

12.13 The Club reserves the right to request declarations of interest from Members at any time for purposes of governance, transparency, or risk management.

12.14 The Member agrees to comply fully with any investigation, review, or assessment relating to conflict of interest concerns.

12.15 The Club may impose corrective measures including but not limited to restriction of duties, temporary suspension, or reclassification of membership where conflict of interest is identified.

12.16 The Member acknowledges that ongoing membership is conditional upon maintaining transparent and conflict-free engagement within the ecosystem.

12.17 The Member shall not conceal, misrepresent, or minimize any conflict of interest when making disclosures to the Club.

12.18 The Member agrees that any unresolved or unmanaged conflict of interest may result in termination of membership where deemed necessary by the Club.

12.19 The Member acknowledges that the Club operates on a principle of collective trust, and any breach of integrity in relation to conflict of interest undermines the entire ecosystem.

12.20 The Member confirms that they have read, understood, and agreed to fully comply with the conflict of interest requirements as a condition of continued membership within the Club.

13. DISCIPLINARY ACTION AND ENFORCEMENT

13.1 The Member acknowledges and agrees that the Club maintains full authority to enforce compliance with these Terms, the Governance Framework, and all related policies through appropriate disciplinary mechanisms as may be established, modified, or expanded from time to time.

13.2 The Member agrees that any breach, violation, or non-compliance with these Terms, whether minor, material, or repeated, may result in disciplinary action as determined solely by the Club in accordance with its internal governance procedures.

13.3 Disciplinary action may be initiated where a Member’s conduct, actions, or omissions are deemed to undermine the integrity, reputation, functionality, or objectives of the Club or its ecosystem.

13.4 The Club may impose a range of disciplinary measures including, but not limited to, verbal or written warnings, temporary suspension of membership, restriction of access to systems or initiatives, removal from roles or responsibilities, or permanent termination of membership.

13.5 The Member acknowledges that disciplinary measures are corrective and protective in nature and are intended to safeguard the interests, stability, and long-term sustainability of the Club.

13.6 The Club reserves the right to determine the severity, nature, and duration of any disciplinary action based on the circumstances of each case and the perceived impact on the ecosystem.

13.7 The Member agrees that disciplinary proceedings may be conducted internally and that the Club is not obligated to follow external judicial or administrative procedures unless required by law.

13.8 The Member acknowledges that they may be given an opportunity to respond to allegations or concerns at the discretion of the Club, but such opportunity shall not be guaranteed in all circumstances.

13.9 The Club reserves the right to act immediately in cases where continued participation by the Member is deemed harmful, disruptive, or inconsistent with the interests of the Club.

13.10 The Member agrees that disciplinary decisions made by the Club’s authorized governance bodies shall be final, binding, and enforceable within the Club ecosystem.

13.11 The Member acknowledges that repeated or serious breaches may result in escalation of disciplinary action, including permanent removal from the Club without prior notice.

13.12 The Club may document, record, and retain all disciplinary proceedings, findings, and decisions for governance, compliance, and historical reference purposes.

13.13 The Member agrees that disciplinary actions may also affect access to benefits, privileges, financial opportunities, or ongoing initiatives within the Club.

13.14 The Member acknowledges that disciplinary enforcement may extend beyond membership termination where necessary to protect the Club’s interests, including recovery of damages or enforcement of obligations.

13.15 The Member agrees that failure to comply with disciplinary outcomes shall constitute a further breach of these Terms and may result in additional enforcement measures.

13.16 The Club reserves the right to publish or communicate disciplinary outcomes internally where necessary for governance transparency and institutional integrity.

13.17 The Member acknowledges that disciplinary enforcement is a core function of the Club’s governance structure and is essential for maintaining order, discipline, and accountability within the ecosystem.

13.18 The Member agrees that all disciplinary powers exercised by the Club shall be deemed lawful within the context of the Governance Framework and accepted upon membership.

13.19 The Member confirms that continued participation in the Club constitutes acceptance of all disciplinary mechanisms and enforcement procedures outlined in this Section.

13.20 The Member acknowledges that disciplinary authority shall survive termination of membership where necessary to conclude outstanding governance matters or enforce obligations arising during membership.

14. TERMINATION AND SURVIVAL OF OBLIGATIONS

14.1 The Member acknowledges and agrees that membership within The Fortune Getters Investors Club (TFGI) may be terminated either voluntarily by the Member or involuntarily by the Club in accordance with these Terms, the Governance Framework, and applicable internal policies.

14.2 Voluntary termination of membership by the Member shall not absolve the Member from any outstanding obligations, responsibilities, or liabilities incurred during the period of membership.

14.3 The Club reserves the right to terminate membership at any time where the Member is found to be in breach of these Terms, the Governance Framework, or any applicable policies, or where continued association is deemed detrimental to the Club’s interests.

14.4 Termination of membership may also occur where the Member becomes inactive, unresponsive, or disengaged for a prolonged period as determined by the Club’s operational standards and governance review mechanisms.

14.5 The Member acknowledges that termination of membership shall result in immediate withdrawal of access to Club systems, platforms, privileges, roles, and participation rights unless otherwise determined by the Club.

14.6 The Member agrees that termination shall not affect any rights or obligations that have accrued prior to the date of termination, including but not limited to financial obligations, confidentiality duties, and disciplinary liabilities.

14.7 The Club reserves the right to maintain records, data, and historical information relating to the Member for governance, compliance, audit, and administrative purposes even after termination of membership.

14.8 The Member acknowledges that termination may be immediate or subject to notice at the discretion of the Club depending on the severity and nature of the circumstances leading to termination.

14.9 The Member agrees that termination of membership does not entitle them to any refund, compensation, or restitution unless expressly provided for under specific policies or agreements of the Club.

14.10 The Member acknowledges that obligations relating to confidentiality, intellectual property, indemnity, financial dues, conflict of interest, and disciplinary enforcement shall survive termination of membership in full force and effect.

14.11 The Member agrees that any misuse of Club information, systems, or intellectual property after termination shall constitute a continuing breach of these Terms and may result in legal or disciplinary action.

14.12 The Club reserves the right to recover any outstanding financial obligations or damages incurred during the period of membership even after termination has occurred.

14.13 The Member acknowledges that termination may be communicated through official Club channels and shall take effect upon such communication or at a specified date determined by the Club.

14.14 The Member agrees that resignation or voluntary exit from the Club does not terminate any binding obligations that arose during membership.

14.15 The Club may, at its discretion, restrict or deny future re-admission to former Members depending on the circumstances of their termination or exit.

14.16 The Member acknowledges that certain governance matters, disputes, or obligations may continue to be processed by the Club even after termination of membership.

14.17 The Member agrees that termination shall not affect the validity or enforceability of any provisions of these Terms that are intended to survive termination.

14.18 The Member confirms that they understand and accept that termination of membership does not sever all legal, ethical, or financial responsibilities arising from their participation in the Club.

14.19 The Club reserves the right to take necessary administrative, disciplinary, or legal action following termination where required to protect its interests or enforce compliance.

14.20 The Member acknowledges that continued adherence to post-termination obligations is a fundamental condition of participation within the Club ecosystem and is binding in perpetuity where applicable.

15. ACCEPTANCE AND BINDING EFFECT

15.1 The Member acknowledges and confirms that they have read, understood, and fully considered these Terms and Conditions of The Fortune Getters Investors Club (TFGI) in their entirety prior to acceptance, and that they have had the opportunity to seek clarification where necessary before agreeing to be bound.

15.2 The Member expressly agrees that by submitting an application, completing onboarding processes, accessing Club systems, participating in any Club activity, or continuing engagement with the Club in any form, they are deemed to have accepted these Terms in full without reservation.

15.3 The Member acknowledges that acceptance of these Terms constitutes a legally and institutionally binding agreement between the Member and the Club, enforceable under the Governance Framework and applicable internal regulations.

15.4 The Member agrees that these Terms shall govern the entire relationship between the Member and the Club, including but not limited to admission, participation, conduct, financial obligations, disciplinary matters, and termination processes.

15.5 The Member further acknowledges that no verbal statements, informal communications, or external representations shall override or invalidate the provisions contained in these Terms unless formally incorporated into the Governance Framework by the Club.

15.6 The Member agrees that continued participation in any capacity within the Club constitutes ongoing acceptance of these Terms, including any amendments, revisions, or updates made by the Club from time to time.

15.7 The Member acknowledges that the Club reserves the right to update, modify, or replace these Terms at its sole discretion, and that such changes shall become binding upon communication through official Club channels or systems.

15.8 The Member agrees that it is their responsibility to remain informed of any updates or amendments to these Terms as published or communicated by the Club.

15.9 The Member acknowledges that failure to comply with these Terms shall constitute a breach of membership obligations and may result in disciplinary action, suspension, or termination as determined by the Club.

15.10 The Member confirms that their acceptance of these Terms is made voluntarily, without coercion, undue influence, or misrepresentation, and with full understanding of their legal and operational effect.

15.11 The Member agrees that these Terms shall remain binding for the entire duration of membership and shall continue to apply to any obligations that survive termination as defined within this agreement.

15.12 The Member acknowledges that these Terms form part of the Club’s Governance Framework and are to be interpreted in alignment with the Constitution, policies, and regulatory instruments of the Club.

15.13 The Member agrees that in the event of any dispute regarding interpretation or application of these Terms, the Club’s internal governance mechanisms shall be the primary avenue for resolution.

15.14 The Member accepts that participation in the Club ecosystem is conditional upon continuous adherence to these Terms and that breach of any provision may affect their membership standing.

15.15 The Member hereby affirms their full and unconditional acceptance of these Terms and acknowledges that such acceptance creates a binding contractual relationship within the governance structure of The Fortune Getters Investors Club (TFGI).

Last Updated: April 11, 2026