Membership Engagement Agreement and Terms and Conditions

I/we hereby engage InvestDoor Group Pty Ltd as our property investment advisor. This engagement includes, but is not limited to, the development of a Wealth Game Plan (WGP), exclusive property opportunities, and additional property-related services based on the information provided by us in our Personal Financial Fact Find.

1. Engagement Terms

1.1 Provision of Information: I/we acknowledge that the creation of a Wealth Game Plan (WGP) requires our detailed financial information, which we will provide through the Investment Readiness Assessment. I/we give permission for InvestDoor Group Pty Ltd to use this information solely to develop our tailored investment plan and offer relevant services. We also authorise the sharing of this data with InvestDoor’s affiliated partners who are directly involved in providing these services.

1.2 Accuracy of Information: I/we understand that our Wealth Game Plan (WGP) and all related advice are based on the accuracy of our information. We agree to notify InvestDoor Group Pty Ltd of any significant changes in our financial or personal circumstances that may affect the plan’s relevance or effectiveness without delay. InvestDoor Group Pty Ltd will not be liable for any damage caused by wrong or inaccurate information provided by us.

1.3 Financial and Tax Advice Limitations: I/we acknowledge that InvestDoor Group Pty Ltd does not provide financial, tax, or legal advice. We are encouraged to consult licensed professionals for specialised financial and tax guidance before making any investment decisions. InvestDoor may refer clients to professionals within its network, but we retain the responsibility for independently verifying any advice received.

1.4 Assumptions and Projections: I/we understand that property recommendations and financial projections in the Wealth Game Plan (WGP) are based on past performance data and forecasted trends. These are estimations and not guaranteed outcomes. I/we acknowledge that past performance is not a guarantee of future performance. InvestDoor Pty Ltd may receive commissions on specific transactions and services related to property purchases and associated financial services.

1.5 Membership Duration and Termination: This Membership Engagement commences upon acceptance by InvestDoor Group Pty Ltd and shall continue as long as InvestDoor is operational. You may terminate your membership by providing 30 days written notice to InvestDoor Group Pty Ltd. No refunds will be permitted after 30 days from payment confirmation and is subject to terms in clause 1.10. InvestDoor Group Pty Ltd reserves the right to suspend or terminate your membership at any time, with or without cause, including but not limited to: breach of these Terms, provision of false or misleading information, or non-payment of any applicable membership fees.

1.6 Membership Fees: In addition to the fees for the Wealth Game Plan, a one-time Membership Fee is payable for access to ongoing membership benefits. This fee is due prior to any work or services being provided. Failure to pay the Membership Fee may result in suspension or termination of your membership. Additional fees may apply for services that fall outside the scope of your membership benefits, and these will be communicated and agreed upon in advance.

1.7 Membership Application and Confirmation: Applying for InvestDoor Membership indicates your agreement to be bound by these Terms and our Privacy Policy. InvestDoor Group Pty Ltd reserves the right to accept or reject membership applications at its sole discretion. Confirmation of your membership and commencement date will be communicated to you by InvestDoor Group Pty Ltd.

1.8 Non-Transferability of Membership: Membership benefits provided by InvestDoor Group Pty Ltd are for the sole and exclusive use of the registered member and are non-transferable to any other person or entity without the express written consent of InvestDoor Group Pty Ltd.

1.10 30-Day Money-Back Guarantee: Subject to the conditions below, new members are eligible for a full refund of their initial Membership Fee. To qualify for this guarantee:

• The member must notify InvestDoor Group Pty Ltd in writing of their request for a refund within thirty (30) days of the date of their payment confirmation for the membership.
• The member must have attended and completed at least one (1) Wealth Game Plan (WGP) session with one of InvestDoor Group Pty Ltd's Strategic Property Advisors within the aforementioned thirty (30) day period.

If both of these conditions are met, InvestDoor Group Pty Ltd will process a full refund of the initial Membership Fee to the member. This money-back guarantee applies only to the initial Membership Fee and does not extend to any other fees, costs, or expenses incurred by the member.

1.9 Member Bonuses or Incentives: InvestDoor Group Pty Ltd may, at its sole discretion, offer certain bonuses or incentives to members from time to time. The terms and conditions of any such bonuses will be communicated separately.

2. Privacy Policy At InvestDoor Group Pty Ltd, your privacy is of utmost importance. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) to ensure the confidentiality and security of your information.

2.1 Affiliated Companies Covered by This Policy: The following InvestDoor-associated entities adhere to our privacy policy standards: • Our Financial Services Pty Ltd t/a LendDoor

2.2 Australian Privacy Principles Compliance: We operate in strict adherence to the Privacy Act and the APPs, which govern the handling of personal data by private sector organisations.

2.3 Definition of Personal Information: The types of information InvestDoor holds about clients include:

• Full name, date of birth, and contact details
• Financial details, investment portfolios, and real estate holdings
• Any other personal or financial data provided by the client during consultation

2.4 Collection Methods: InvestDoor collects personal information essential to performing its services. Information may be gathered through:

• Our website (e.g., service orders, sign-ups for premium content, contact forms)
• Interactions such as events, direct calls, emails, and other means

2.5 Use of Personal Information: Your information is used solely to:

• Confirm identity, process requests, and fulfil orders
• Respond to inquiries, maintain communication, and gather feedback
• Conduct necessary background checks, prevent fraud, and maintain secure business systems

With your consent, we may also use your information to provide updates on services or products of potential interest. You may unsubscribe from promotional communications at any time.

2.6 Disclosure of Personal Information: For the purpose of providing comprehensive services, we may share personal data with:

• Affiliates within InvestDoor’s business network
• Trusted external service providers, including overseas entities, for purposes like IT support, marketing, and payment processing

We may also disclose information to:

• Credit bureaus, legal representatives, and government bodies when required by law
• Accountants, lawyers, and business consultants involved in asset management, audits, or organisational risk assessment

2.7 Access and Correction of Personal Data: You have the right to request access to or correction of your personal information. If access is denied due to legal constraints or privacy considerations for other parties, we will notify you. In cases of extensive data access requests, reasonable fees may apply.

2.8 Security of Personal Information: We prioritise the protection of your information through secure electronic and physical storage methods.

2.9 Changes to Privacy Policy: Updates to our Privacy Policy may be made periodically to remain compliant with the Privacy Act. Changes will be reflected on our website.

3. Property Recommendation Process

3.1 Identification and Selection of Properties: InvestDoor identifies and suggests investment properties that align with your portfolio strategy. Recommendations are based on the financial data and investment goals outlined in your Wealth Game Plan (WGP).

3.2 Financial Analysis of Property: Each recommended property includes cash flow projections and a breakdown of financials, helping you make an informed decision regarding investment suitability.

3.3 Expression of Interest and Property Hold: Once you express interest, an expression of interest (EOI) and holding deposit may be required to secure the property.

3.4 Mortgage Planning: InvestDoor may coordinate introductions to affiliated mortgage strategists to assist you in finalising your financing strategy and developing tailored loan proposals. Any mortgage services provided will be subject to a separate agreement with the mortgage strategist.

4. Risk Disclaimer and Liability Limitations

4.1 Investment Risks and Outcome Disclaimer: I/we understand that property investment carries inherent risks, and InvestDoor Group Pty Ltd does not guarantee specific investment results, returns, or the accuracy of forecasted projections based on past performance data.

4.2 Scope of InvestDoor’s Role: InvestDoor serves solely as a facilitator of property recommendations and not as a licensed real estate agency, financial planning, or legal advice provider. Property details provided (e.g., pricing, area) are sourced from third-party data, and while we strive for accuracy, we cannot guarantee completeness or currency.

4.3 Estimation and Projection Limitations: Forward-looking estimates are based on proprietary methods and do not guarantee financial gain. Investment results are subject to change due to market conditions, economic shifts, and personal circumstances, and the potential for significant losses exists.

4.4 Assumption of Investment Risk: I/we understand that we assume all responsibility for investment risks, potential financial losses, and due diligence on the properties. InvestDoor bears no liability for the outcomes of investment decisions.

4.5 Factors Influencing Investment Success: Numerous factors impact investment performance, including economic cycles and individual investment choices. InvestDoor makes no assurances regarding "average earnings," and clients should seek independent financial, legal, or real estate professional counsel to corroborate any information provided.

4.6 No Warranty Regarding Investment Returns: InvestDoor Group Pty Ltd is not liable for any risks associated with investments. You acknowledge that you can experience significant losses (including, but not limited to, any money you spend purchasing any property, and further, that you may have no earnings at all).  

5. Future-Focused Statements Statements we provide that aren’t historical facts—including comments on our strategic direction or objectives—are forward-looking and subject to inherent risks. Terms like “anticipate,” “believe,” “expect,” “may,” “plan,” and similar language reflect predictions rather than guarantees. These statements rely on the current economic environment and anticipated actions. They aren’t guarantees of future outcomes, and unforeseen factors could alter them significantly. We do not guarantee any outcome from these statements and encourage you not to rely solely on them. We aren’t responsible for updating forward-looking statements unless required by law.
6. Non-Disparagement Each party agrees that they will not make, express, transmit, speak, write, verbalise or otherwise communicate in any way (directly or indirectly, in any capacity or manner) any remark, comment, message, information, declaration, communication or other statement of any kind (whether verbal, in writing, electronically transferred or otherwise) that might reasonably be construed to be critical of, or derogatory or negative towards, the other party or any Representative of the other party; or cause, further, assist, solicit, encourage or knowingly permit any other person to do so, or support or participate in any other person doing so, and must take all reasonable steps to prevent its Representatives from doing so. If disclosure is legally required, the disclosing party will, if reasonably practicable, promptly notify the other party in writing in advance of any such statement or disclosure and provide reasonable assistance in securing confidential treatment.
7. Personal Information To fulfil our services, we may share your personal information within our network of InvestDoor-related companies to support investment and wealth-building efforts.
8. Intellectual Property

8.1 Ownership: All Intellectual Property (IP) related to InvestDoor’s services, including strategies, templates, and materials provided to members, remains the property of InvestDoor Group Pty Ltd. 

8.2 Assignment: You transfer to InvestDoor any rights to IP created during this engagement that arises directly from our specific guidance, which becomes our property upon its creation. 

8.3 Support of IP Rights: You’ll provide any assistance reasonably needed to secure InvestDoor’s IP rights worldwide as requested. 

8.4 Permitted Use: Using or reproducing InvestDoor’s IP or that of our clients or affiliates requires written consent unless it directly supports your personal investment activities within the scope of your membership. Membership materials are for your personal use only and not for distribution or commercial exploitation. 

8.5 Moral Rights: You consent to InvestDoor making necessary adjustments to any Works without naming you as the author, and you confirm this consent is voluntary.

9. Limitations of Liability

9.1 No Warranties: InvestDoor Group Pty Ltd, its affiliates, and representatives offer no warranties or guarantees regarding the suitability, performance, or outcomes of our services. We do not guarantee specific investment results, error-free operations, compatibility with your systems, or fulfilment of particular expectations. All conditions, representations and warranties (whether express or implied, statutory or otherwise) are hereby disclaimed to the maximum extent permitted by law. 

9.2 Force Majeure: InvestDoor Group Pty Ltd shall not be liable for any delay or failure to perform its obligations under these Terms if such delay or failure arises from causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, civil unrest, strikes or other industrial action, accidents, fire, flood, storm, pandemic, epidemic, or changes in law or regulation. In such circumstances, InvestDoor Group Pty Ltd shall be entitled to a reasonable extension of time for the performance of its obligations. 

9.3 Remedies for Breach: For any breach of the non-disparagement obligations in Clause 6, the parties agree that damages may be an inadequate remedy, and equitable remedies, including injunctive relief, may be pursued in addition to any other available remedies.  

10. General Provisions

10.1 Further Assurances: Each party agrees to execute and deliver all such documents and take all such actions as may be reasonably required to give full effect to these Terms. 

10.2 Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable in any respect under the law of any jurisdiction, such invalidity, illegality, or unenforceability shall not affect the validity, legality, or enforceability of the remaining provisions of these Terms or the validity, legality, or enforceability of that provision under the law of any other jurisdiction. 

10.3 No Waiver: No failure, delay, relaxation, or indulgence by either party in exercising any right or power conferred upon it by these Terms shall operate as a waiver of such right or power, nor shall any single or partial exercise of any such right or power preclude any other or further exercise thereof or the exercise of any other right or power. 

10.4 Assignment: Neither party may assign or otherwise transfer any of its rights or obligations under these Terms without the prior written consent of the other party. 

10.5 Governing Law and Jurisdiction: This agreement is governed by and shall be construed in accordance with the laws of Victoria, Australia, and the parties hereby submit to the exclusive jurisdiction of the courts of Victoria, Australia for the resolution of any disputes arising under or in connection with these Terms.  

11. Definitions

Business Day: Refers to weekdays that aren’t public holidays in Victoria. 

InvestDoor Membership: Refers to the access provided to members under this agreement. 

Governmental Agency: Any federal, state, or local government body. 

GST: Defined as in A New Tax System (Goods and Services Tax) Act 1999 (Cth) as amended. 

IP Rights: Includes all Intellectual Property and Relevant IP created within the scope of this engagement. 

Membership Fee: The fee payable for ongoing access to certain InvestDoor membership services, as specified separately. 

Personal Information: As defined in the Privacy Act 1988 (Cth). 

Privacy Act: The Privacy Act 1988 (Cth). 

Related Bodies Corporate: Companies affiliated with InvestDoor Group Pty Ltd. 

Representatives: Those acting on behalf of InvestDoor Group Pty Ltd, including employees and contractors. 

Works: All programs and programming and literary, dramatic, musical and artistic works within the meaning of the Copyright Act 1968 (Cth).

12. Interpretation When interpreting this document, please consider the following:

• • • • Headings are for clarity only and do not affect the interpretation or construction of these Terms.
      • References to statutes, rules, or regulations include any updates or replacements.
      • Definitions apply in all grammatical variations of a term.
      • Time references are in Melbourne, Victoria, Australia, and all amounts are in Australian dollars.
      • Singular terms include the plural and vice versa, and references to one gender include all genders.
      • The word "including" and similar expressions are not words of limitation.