Part I: Terms and Conditions

1. Introduction

1.1 These terms and conditions (“Terms”) apply to the Wealth Resonance® programme (“the Programme”) provided by Catherine Morgan Limited (“the Provider”, “We”, “Us”, “Our”), a company registered in Jersey, Channel Islands under company number 137407, whose registered office is at 1-3 Colomberie, St Helier, Jersey, JE2 4QB, trading as The Money Panel, to you, the purchaser of the Programme (“the Client”, “You”) and you are deemed to accept them when you purchase the Programme, unless we expressly agree in writing otherwise.

1.2 These Terms, along with our Privacy Notice and Website Terms of Use (which can be viewed at www.catherinemorgan.com) represent the entire agreement between us and apply to the exclusion of any other terms that you may try and impose or incorporate or which may be implied by trade, custom, practice or in any previous course of dealings. For the avoidance of doubt, these Terms shall take priority over any other in the event a conflict arises.

1.3 By purchasing the Programme and accepting these Terms, you are agreeing that you are over 18. The Programme is not intended for use by anyone under the age of 18.

1A. Company Structure and Payment Arrangements

You are entering into a service agreement with Catherine Morgan Limited, a company registered in Jersey, Channel Islands, trading as The Money Panel. All services under these Terms are delivered by Catherine Morgan Limited from Jersey.

For payment processing convenience, Programme Fees are collected through our UK entity, The Money Panel Ltd (registered in England and Wales, company number 10267198, registered office at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ), acting solely as a payment collection agent on behalf of Catherine Morgan Limited.

All contractual obligations, service delivery, liability, and dispute resolution sit with Catherine Morgan Limited (Jersey). The Money Panel Ltd (UK) has no liability to you under these Terms other than the obligation to process payments and refunds correctly.

2. The Programme

2.1 We shall deliver the Programme with reasonable care and skill consistent with best practices and standards applicable within our marketplace and in compliance with all relevant regulations, guidance, standards and codes of conduct that apply or are relevant to the provision of the Programme.

2.2 We shall deliver the Programme in accordance with the details set out in Schedule 1 (attached) and in line with any timescales agreed upon, however, time shall not be of the essence for delivery.

2.3 Whilst we shall make every effort to deliver the Programme in accordance with the details as set out in Schedule 1, we reserve the right to amend, revise or make changes, or cancel, amend, change or reschedule any part as is reasonably required by us without prior notice to you. We shall not be liable for any changes or cancellations that are made to the Programme.

2.4 When you purchase the Programme, we may provide you with materials, information, videos, resources, data and other content ("Resources"). By completing your purchase you agree and accept that all Resources remain our confidential and proprietary Intellectual Property and belong solely and exclusively to us and can only be used by you in connection with your use of the Programme and should not be copied, disclosed or used for any commercial reason without our express consent.

2.5 The Programme incorporates somatic practices including Emotional Freedom Technique (EFT), heart coherence practices, visualisation, and nervous system regulation techniques. These practices are designed for personal growth and healing but are not a substitute for medical, psychological, or psychiatric treatment.

2.6 The Programme is designed for use by a group audience and therefore any information, support and guidance provided is not personal to you and should not be taken or relied upon as advice, guidance or information personal to your own situation or circumstances.

2.7 Where the Programme includes interactive live sessions via video ("Sessions"), the dates and times of these Sessions are as set out in Schedule 1 and will be held at 7pm UK time. It shall be your responsibility to attend the Sessions as arranged and no alternative or replacement dates or times, or refunds, shall be offered if you are unable to attend for whatever reason.

2.8 The Programme is provided on an 'as-is' and 'as-available' basis. From time to time we may be required to undertake changes or amendments to the Programme or our systems and processes, which includes routine and unexpected maintenance. We shall not be liable for any lack of accessibility to the Programme or our systems or processes which is caused due to routine or unexpected maintenance.

3. Your Obligations

3.1 You agree to provide us with all necessary information we require in order to deliver the Programme to you and you accept that we shall not be liable for any delay in the delivery of the Programme caused by your failure to comply, or delay in complying, with this clause 3.1 or any other provisions within these Terms.

3.2 You accept that as part of your participation in the Programme that you may be required to review and make decisions concerning your personal and home life, business and career, finances, lifestyle, education and development and health and wellness and that any such reviews, subsequent decisions, implementation and action will be your sole responsibility and that we shall not be liable for your failure to make decisions, put into action plans or strategy, or for any results whether direct or indirect arising out of your access to the Programme or any other services provided by us.

3.3 You accept and acknowledge that:

3.3.1 Access to the Programme is not a substitute for counselling, psychotherapy, psychiatric treatment, or other mental health services. The somatic practices taught in the Programme are educational in nature and designed to support personal growth and nervous system regulation.

3.3.2 If you are currently undergoing treatment for mental health conditions including but not limited to anxiety, depression, PTSD, eating disorders, or any other psychiatric condition, you should inform your healthcare practitioner of your intention to access the Programme.

3.3.3 If you are currently experiencing suicidal ideation, active psychosis, severe dissociation, or other acute mental health symptoms, this Programme may not be appropriate for you at this time and you should seek immediate professional support.

3.3.4 The somatic practices in the Programme may bring up strong emotions or physical sensations. You are responsible for managing your own wellbeing during and after Sessions, including seeking additional support if needed.

3.4 Where the Programme includes group Sessions, access to a private Circle community or other private group or members area, you agree:

3.4.1 to act in a reasonable and responsible manner at all times when accessing the private groups or areas or during any Sessions and not to act in a manner which may cause offence, distress, or alarm to any of our other clients, group participants or group members accessing the Programme and/or Sessions; and

3.4.2 not to canvass, promote or advertise your products or services to any of our employees or contractors or any other Programme participant or individual accessing the Programme, or use your participation in the Programme or access to the Programme to canvass, promote or advertise your products or services without our express consent.

3.5 You agree and accept that during your access to the Programme, and for a period of 24 months afterwards, that you shall not solicit any of our clients or prospective clients without our express consent, such consent not to be unreasonably withheld.

3.6 Where the Programme includes access to a private area and/or you are required to set up an account it shall be your responsibility to:

3.6.1 provide the correct information to set up your access to the private area or create your account; and

3.6.2 keep your password or any other access information private, safe and secure; and

3.6.3 to notify us should you become aware of, or suspect that a third party is aware of your password or access details.

3.7 When accessing the Programme and/or any private areas, you agree not to take any action which seeks to disable or in any way interfere with any of our systems or processes or tests the vulnerability of any of our systems or processes.

3.8 Recording of Sessions: Live Sessions may be recorded for the benefit of participants who cannot attend live. By participating in live Sessions, you consent to being recorded. You may choose to:

3.8.1 Participate with your camera and microphone on (full participation)

3.8.2 Participate with your camera off and microphone on when speaking (audio participation)

3.8.3 Participate with both camera and microphone off (observation only)

3.9 You agree that:

3.9.1 You will not make your own recordings of any live Sessions without our express written consent.

3.9.2 Any personal stories, experiences, or information shared by other participants during Sessions are confidential and should not be disclosed outside the Programme.

3.9.3 Recordings are for your personal use only and may not be shared, distributed, or used for commercial purposes.

3.10 In the event you are deemed by us to be in breach of this Clause 3 then we shall be entitled to suspend your access to the Programme and any associated Sessions, groups or private areas. Following such suspension, we shall arrange a meeting with you to discuss the matter and to determine whether access will be removed permanently. All decisions shall be at our absolute discretion and no refunds shall be provided where we decide to permanently remove access.

4. Payment Terms

4.1 The cost for the Programme (“the Programme Fee”) is as set out in Schedule 1.

4.2 The Programme Fee shall be collected by The Money Panel Ltd (UK) on behalf of Catherine Morgan Limited (Jersey) and paid by you in GBP or USD by an online payment processor and is calculated exclusive of VAT where applicable.

4.3 For Individual Purchasers: The Programme Fee is calculated based on our knowledge, experience and the time, preparation, effort and availability of the Programme and is not based on your actual usage and/or level of attendance or participation. On this basis you agree and acknowledge that the Programme Fee and any other payment you provide to us is non-refundable except in the following circumstances:

4.3.1 We cancel delivery of the Programme (as set out in clause 7.3), in which case you shall be entitled to a partial refund for any part which you have paid for but have not yet received access to; or

4.3.2 You cancel your purchase of the Programme within the 14-day cancellation period (as set out in clause 7.1), in which case you shall be entitled to a full refund of the Programme Fee which has been paid to us, provided you have not commenced access to the Programme content. By accessing any Programme content, live Sessions, or Resources within the 14-day period, you expressly waive your right to cancel and receive a refund.

4.4 For Business/Corporate Purchasers: If you are purchasing the Programme on behalf of a business or organisation (rather than as an individual consumer), you acknowledge that you do not have a statutory right to cancel under applicable consumer contracts regulations. All business purchases are final and non-refundable once access to the Programme has been granted.

4.5 Payment of the Programme Fee shall be made without deduction, set-off or any form of withholding, except as is required by law, and time shall be of the essence in respect of the payment of the Programme Fee or any instalment of the Programme Fee.

4.6 Cleared payment of the Programme Fee must be received by us before you are entitled to access the Programme.

4.7 Continuous Payment Authority. Where you elect to pay the Programme Fee by credit card, debit card or other online payment method:

4.7.1 You authorise us (and our authorised payment agent) to charge the payment method you provided at enrolment for the Programme Fee or, where you have selected the Payment Plan, for each instalment of the Programme Fee on the dates set out in Schedule 1. This authority is a continuous payment authority that remains in force for the duration of your Payment Plan.

4.7.2 You agree to keep your payment details current throughout the duration of your Payment Plan, including by promptly providing updated card details where your existing card expires, is replaced, is reported lost or stolen, or otherwise ceases to be valid. You may update your payment details by contacting support@themoneypanel.co.uk.

4.7.3 If payment is rejected, fails or cannot be processed for any reason, but you have already received access to the Programme, you remain responsible for payment of the Programme Fee (and each remaining instalment due) and the late payment provisions in Clause 5 will apply.

4.8 The Programme Fee is payable in the currency selected by the Client at the point of purchase (either British Pounds Sterling (GBP) or United States Dollars (USD)). The currency selected at checkout shall be the currency of the contract between the Client and the Company for all purposes under these Terms, including any refund, late payment charge, or debt recovery. The currency selected at checkout shall be the currency of the contract between the Client and the Company for all purposes under these Terms, including any refund, late payment charge, or debt recovery.

4.9 Where the Client's payment method is denominated in a currency other than the selected payment currency, the Client shall be solely responsible for any currency conversion fees, exchange rate charges, or other costs applied by the Client's bank, card provider, or payment processor. The Company shall not be liable for any loss arising from exchange rate fluctuations.

4.10 Any refund to which the Client may be entitled shall be processed in the original payment currency. The Company shall not be liable for any difference in value resulting from exchange rate movements between the date of payment and the date of refund.

4.11 We reserve the right to change the Fee at any time. Any change will not affect purchases already made but will apply to all future purchases.

5. Late Payment

5.1 You are responsible for ensuring that payment of the Programme Fee or any instalment of the Programme Fee (where you have selected the Payment Plan) is paid in full and on time in accordance with the payment terms set out in Schedule 1.

5.2 First Missed Payment — Notice and Cure Period. If any instalment is not received on its due date, we will notify you in writing (by email to the address on your account) within 7 days of the missed payment. You will have 14 days from the date of our notice to make payment of the overdue amount ("the Cure Period").

5.3 During the Cure Period we may withhold access to live Sessions, recordings, the private Circle community and any Resources or bonuses associated with the Programme until the overdue amount is paid. We will not at this stage charge any administrative fee or accelerate the balance.

5.4 Failure to Cure. If the overdue amount is not paid in full by the end of the Cure Period, we shall be entitled to any or all of the following:

5.4.1 to apply a fixed administrative charge of £99 (or USD equivalent at the rate prevailing at the time of enrolment) to your account, which represents a reasonable and proportionate estimate of our administrative costs in managing the breach and is recovered as liquidated damages for breach, not as a charge in connection with the provision of credit;

5.4.2 to declare the full outstanding balance of the Programme Fee immediately due and payable;

5.4.3 to apply interest on the outstanding sum on a daily basis from the date of acceleration until paid in full, at the rate of 4% above the Bank of England base rate from time to time, recoverable as damages for late payment;

5.4.4 to terminate your access to the Programme in accordance with Clause 7.

5.5 If payment remains outstanding more than 30 days following acceleration under Clause 5.4, we shall be entitled to instruct a collection agent or solicitor to seek recovery of the outstanding sum, together with the administrative charge, accrued interest and any reasonable costs incurred in taking such action.

5.6 The Payment Plan is offered as a payment arrangement for the single, indivisible Programme Fee. No charges, interest or fees are payable in connection with the Payment Plan itself, and no provision of this Clause 5 constitutes a charge payable under or in connection with the provision of credit.

6. Complaints or Concerns

6.1 You agree that in the event you have any concerns as to any aspect of our delivery of the Programme that you will notify us of such concerns by email to support@themoneypanel.co.uk as soon as possible. We agree that, upon receipt of such notification by email, we shall use reasonable efforts to work with you to resolve your concerns.

6.2 If you choose to pursue a chargeback claim without first contacting us then you accept that such action shall constitute a breach of these Terms and you agree to indemnify us for the repayment of any charges, costs or fees imposed on us by your debit or credit provider or our merchant service provider as a result of your actions, along with our reasonable costs for dealing with the matter calculated at a rate of £100 per hour.

6.3 We reserve the right to vary or re-perform any services provided where we consider a concern is justified and in such case these Terms will apply to any re-performed services.

6.4 Nothing in these Terms affects any statutory rights that may apply to you.

7. Cancellation and Termination

7.1 Individual Purchasers - 14-Day Cancellation Right:

If you have purchased the Programme as an individual consumer (not on behalf of a business), you have the right to cancel your purchase within 14 days from the date of purchase. To cancel and receive a refund, your notice of cancellation must be sent to us at support@themoneypanel.co.uk within this 14-day period.

IMPORTANT: By accessing any Programme content, attending any live Sessions, or accessing any Resources within the 14-day cancellation period, you expressly request that we begin performance of the contract immediately and you acknowledge that you will lose your right to cancel once you begin accessing the Programme.

7.2 Upon receipt of your notice of cancellation within 14 days:

7.2.1 If you have NOT accessed any Programme content, live Sessions, or Resources, we shall cancel your purchase and provide you with a full refund of any Programme Fee you have paid to us within 14 days.

7.2.2 If you HAVE accessed any Programme content, live Sessions, or Resources, you will have waived your cancellation right and no refund will be provided.

7.3

7.3 Cancellation After 14 Days. If you provide notice of cancellation more than 14 days from the date of your purchase of the Programme, or if you have accessed Programme content within the 14-day cancellation period, then:

7.3.1 we will cancel your future access to the Programme on a date specified by us;

7.3.2 no refund or partial refund will be provided in respect of any amounts already paid; and

7.3.3 you will remain liable for the full Programme Fee, including all remaining instalments under any Payment Plan you have selected. You acknowledge that the Payment Plan is a payment structure for the single, indivisible Programme Fee and is not a series of separate monthly purchases. The cancellation of your access to the Programme does not cancel or reduce the Programme Fee.

This does not affect your statutory rights.

7.4 Provider's Right to Terminate: We may terminate your access to the Programme where we discover an error with the Programme description or price, where we are unable to deliver the Programme to you for any reason, or where we feel that the Programme may not be appropriate for you (including on health and safety grounds related to the somatic practices), such decision to be entirely at our discretion. In such circumstances, we will provide you with notice in writing and where we have not already provided you with substantial access to the Programme, we will provide you with a pro-rata refund in accordance with clause 4.3 above.

7.5 We reserve the right to terminate your access to the Programme, with immediate effect and without refund of any payment, whether paid or remaining due, by providing written notice in circumstances where you have, or where we reasonably consider that you have:

7.5.1 committed a material breach of your obligations under these Terms;

7.5.2 failed to pay any amount due in respect of the Programme Fee, and have not cured the default within the Cure Period in accordance with Clause 5;

7.5.3 acted or behaved dishonestly, fraudulently, or in a way which may have a detrimental effect on our business or reputation;

7.5.4 failed or are failing to positively engage with the Programme, or where you are acting in a way which is abusive or intended to cause offence to us or any of our employees, agents, contractors or any other individual or business accessing the Programme;

7.5.5 become subject to a bankruptcy, insolvency or similar financial order or proceedings affecting you personally or your business, where applicable;

7.5.6 are subject to any of the circumstances that arise as set out in section 3.

7.6 Upon termination, for any reason then:

7.6.1 your access to the Programme, any groups, any private areas and any Resources will be removed, unless we agree in writing otherwise. We will not be liable to you for any claims relating to the removal of any access;

7.6.2 any payments which you owe to us will become immediately due and payable;

7.6.3 you shall cease to use, either directly or indirectly any Confidential Information received as part of the Programme, and shall immediately return to us or destroy any documents, materials or resources in your possession or control which contain a record of any Confidential information.

7.7 Any provision of these Terms which either expressly or by its nature relates to the period of time after termination shall remain in full force and effect.

7.8 Termination for whatever reason will not affect any rights, remedies, obligations and liabilities which have accrued as at the date of termination, including the right to claim damages for any breach which existed on or before the date of termination.

8. Confidentiality and Data Protection

8.1 In order to benefit fully from the Programme you accept that in some cases you may be encouraged to disclose Personal Data and/or Confidential Information. We understand and respect the value of such information and shall not, either directly or indirectly, communicate or disclose, make available to, or use for our own purposes your ideas, know-how, business practices, concepts and techniques, plans, trade secrets, and other confidential and/or proprietary information (collectively, "Confidential Information") that you may disclose to us or that may be disclosed as part of the delivery of the Programme.

8.2 Confidential Information for the purposes of these Terms excludes any information that:

8.2.1 was already known to us prior to being provided with that information by you;

8.2.2 is already accessible in the public domain;

8.2.3 is provided to us by a third party separately and without any breach of these Terms; or

8.2.4 is produced, developed or collated by us independently of you and without any breach of these Terms.

8.3 When you purchase the Programme, we shall grant to you a personal, limited, non-exclusive, non-transferable, revocable licence to access, view and use any Resources provided as part of the Programme solely for your personal purposes and for the purposes intended by these Terms. All other uses are strictly prohibited.

8.4 Any Personal Data you provide to us will be maintained, stored, accessed and processed in accordance with recognised data protection laws and legislation including the Data Protection (Jersey) Law 2018 and the UK GDPR. Catherine Morgan Limited (Jersey) is the data controller for all personal data collected in connection with the Programme. Personal data for the purposes of these Terms means any information which is capable of identifying another individual, as further defined within the Data Protection (Jersey) Law 2018 and the UK GDPR.

8.5 We shall only process your Personal Data to the extent reasonably required to enable proper delivery of the Programme and shall retain it only for as long as reasonably necessary in connection with the delivery of the Programme and to comply with any legal or regulatory requirements. For full details of how we process, use, collect and store your Personal Data please refer to our privacy notice which can be found at www.catherinemorgan.com/privacy-policy.

8.6 We agree not to disclose any Personal Data to any third party other than our employees, agents or advisors and The Money Panel Ltd (UK) for payment processing purposes, and shall ensure that any such persons agree to process the data in compliance with the relevant data protection legislation. We confirm that we have put in place reasonable technical and organisational processes and measures to ensure the safety and security of any Personal Data processed by us on your behalf.

8.7 In the event you choose to share comments, information, content, photos, graphics or images (“Content”) with us then in doing so you are granting to us, free of charge, permission to use your Content (which may include testimonials, case studies, or feedback) in any way as part of our business services. Such uses shall include advertising and marketing.

8.8 Where you choose to share your Content with us, as defined above, you confirm that you have the legal right to share that Content and that it does not infringe any third party’s Intellectual Property or other rights.

8.9 Our obligations set out above, shall not apply where it is necessary for us to disclose in connection with legal proceedings, prospective legal proceedings (whether or not in relation to these Terms), to allow us to obtain legal advice, where we have been directed to do so by a court or other body of equivalent jurisdiction or where it is necessary because there is a safeguarding issue or concern.

9. Intellectual Property

9.1 For the purposes of these Terms, Intellectual Property means all worldwide intellectual property rights whether registered or unregistered, registrable or non-registrable, including any application or right of application for such rights and shall include copyright and related rights, database rights, confidential information, trade secrets, know-how, trade names, business names, trademarks, passing off rights, patents and rights in designs.

9.2 By purchasing the Programme you hereby agree and undertake that from the date of purchase:

9.2.1 not to infringe any of our copyrights, patents, trademarks, trade secrets or other Intellectual Property rights;

9.2.2 that any Confidential Information disclosed by us is confidential and proprietary and belongs solely and exclusively to us;

9.2.3 not to disclose such Confidential Information to any other person or use it in any manner other than in discussions as part of the provision of the Programme;

9.2.4 that all materials, Resources, information and any data provided by us is our confidential and proprietary Intellectual Property and belongs solely and exclusively to us, and may only be used by you as expressly authorised by us; and

9.2.5 the reproduction, distribution, broadcasting, transmission and/or sale of any information, Resources or materials provided during provision of the Programme or at any time thereafter by anyone but us is strictly prohibited.

You agree that in the event of any breach of your obligations contained within these Terms, then damages, loss or irreparable harm may arise and that in such circumstances we will be entitled to seek relief, including injunctive relief against you.

10. Health and Safety Disclaimers

10.1 Nature of the Programme: The Wealth Resonance® Programme incorporates various somatic and psychological practices including but not limited to:

- Emotional Freedom Technique (EFT/tapping)

- Heart coherence and heart-focused breathing techniques

- Guided visualisation and future self work

- Nervous system regulation practices

- Body-based awareness and somatic experiencing

- Exploration of money-related emotions and beliefs

10.2 Not Medical or Therapeutic Treatment: You understand and agree that:

10.2.1 The Programme is educational in nature and designed to support personal growth, self-awareness, and the development of practical tools for managing your relationship with money.

10.2.2 The Programme does not constitute medical advice, psychiatric treatment, psychotherapy, counselling, or any form of healthcare service.

10.2.3 We are not medical doctors, psychiatrists, psychologists, or licensed therapists, and nothing in the Programme should be construed as a diagnosis, treatment, or cure for any medical or mental health condition.

10.2.4 The practices taught in the Programme are not a substitute for professional medical, psychiatric, or psychological care.

10.3 Your Responsibility: You accept full responsibility for:

10.3.1 Determining whether the Programme is appropriate for your current physical and mental health circumstances.

10.3.2 Consulting with qualified healthcare professionals before participating if you have any concerns about your physical or mental health, including but not limited to cardiovascular conditions, respiratory conditions, anxiety disorders, PTSD, dissociative disorders, or any other health conditions.

10.3.3 Disclosing to us any relevant health information that may affect your safe participation in somatic practices.

10.3.4 Stopping any practice that causes you physical or emotional distress and seeking appropriate professional support.

10.3.5 Your use of any techniques, practices, or information provided in the Programme.

10.4 Contraindications and Cautions: The somatic practices in this Programme may not be suitable for individuals who:

10.4.1 Are currently experiencing acute mental health symptoms including but not limited to suicidal ideation, active psychosis, severe dissociation, acute trauma responses, or active eating disorder behaviours.

10.4.2 Have been advised by a medical or mental health professional to avoid certain breathing practices, visualisation work, or body-focused awareness practices.

10.4.3 Are currently in crisis or require immediate mental health intervention.

If any of these apply to you, we strongly recommend you seek professional support before participating in the Programme, or delay participation until you are in a more stable state.

10.5 Emotional Responses: You acknowledge that:

10.5.1 Somatic practices and exploration of money beliefs may bring up strong emotions, physical sensations, memories, or psychological responses.

10.5.2 This is a normal part of the process but can feel uncomfortable or distressing at times.

10.5.3 You are responsible for managing your own emotional wellbeing during and after participation in the Programme.

10.5.4 We encourage you to work at your own pace and to seek additional professional support if you experience overwhelming or persistent distress.

10.6 No Guarantees of Results: You understand and acknowledge that:

10.6.1 The Programme does not guarantee any specific outcomes, results, or improvements in your relationship with money, your financial situation, your business success, or your emotional wellbeing.

10.6.2 Results vary significantly between individuals based on numerous factors including but not limited to your current circumstances, your commitment to the practices, your underlying beliefs and patterns, and factors outside of our control.

10.6.3 Any testimonials or examples shared by us or other participants represent their unique experiences and should not be taken as a guarantee that you will achieve similar results.

10.7. AI Asset Data Privacy Disclaimer

Company may utilise artificial intelligence (“AI”) assets or tools in connection with the creation, development, editing, or enhancement of this Programme, including but not limited to content generation, copy editing, design support, and workflow efficiencies (“AI Asset”). Any AI Asset provided to you is subject to human direction, review, and finalisation. The Company will exercise professional judgement and oversight in all aspects of the services and deliverables of the Program, including AI Assets. The Company takes reasonable steps to protect any confidential or personally-identifying information submitted by you through the AI Asset, and The Company uses all AI Assets in a manner intended to maintain confidentiality and data security.The Company do not or will not sell or share your confidential or personally-identifying data submitted through any AI Assets with any third parties. However, you acknowledge that certain AI Assets may access or process data through third-party platforms, and The Company cannot guarantee the security or confidentiality of information once transmitted outside of its direct control. Accordingly, you understands that when personally-identifying information, including but not limited to protected health information or other confidential, proprietary, financial, business, legal, or other sensitive data, is submitted to The Company through the AI Assets, The Company cannot guarantee the security or confidentiality of this information.

10.8. Restrictions on Use of AI Assets & Program Materials

You understands and acknowledges that the information provided in or this Programme, including but not limited to the Programme course content, frameworks, templates, assessments, worksheets, methodologies, recordings, and any other materials provided to The Company (collectively, “Programme Materials”) and AI Assets have been developed or obtained by The Company through the investment of significant time, effort and expense, and that the Programme Materials and AI Assets are valuable, special and unique assets of The Company which need to be protected from improper and unauthorised use. The Company expressly agree that you will not use the Program Materials and AI Assets in any way that is contrary to these legal terms. You agree that you are clearly and expressly forbidden from inputting, uploading, or otherwise providing any of the Programme Materials and AI Assets to train, fine-tune, or otherwise contribute to any artificial intelligence (“AI”) machine learning systems, large language models (LLMs) or automated content generation technologies existing now or in the future, without The Company express written permission. You may use Programme Materials and AI Assets for your own personal, non-commercial use, such as summarisation, analysis, or rewriting for your own personal knowledge and understanding, but not for any commercial or business purpose or use. You are prohibited from duplicating, sharing, or creating derivative works of the Programme Materials or AI Assets. Client is prohibited from training any other person or business in how to use or create the same or substantially similar Programme Materials and/or AI Assets. You acknowledge that any unauthorised use of Programme Materials, including the AI Asset, in violation of these restrictions may cause immediate and irreparable harm to The Company for which monetary damages alone may be insufficient. Accordingly, The Company shall be entitled to seek injunctive or equitable relief, in addition to any other rights and remedies available under applicable law. The Programme Materials and AI Assets remain the intellectual property of The Company unless otherwise expressly assigned in writing. Use of the Programme Materials and AI Assets does not alter ownership rights or grant you any rights beyond those expressly set forth in these legal terms. You agree and understand that for any violation of this section or the AI Asset Data Privacy Disclaimer section above, The Company reserves the right to terminate your access to the Programme and Programme Materials, including the AI Assets, at any time without a refund or any other type of recourse.

11. No Guarantee

11.1 You accept and understand that purchasing the Programme does not guarantee results or success. As part of the Programme, you will have access to information, resources, people and support all designed to benefit you but it is your responsibility to take action and to implement the necessary information received and/or skills or tools shared.

11.2 You agree and understand that use of and access to the Programme does not guarantee any particular benefit, results, or success, whether financial or otherwise. We have made every effort to accurately represent the Programme and all Resources and services included. Any testimonials and/or examples of results achieved or previous clients' experiences, including the potential to achieve specific financial results, are not intended to represent or guarantee that you will achieve the same or any similar results or experience. Any reference to earnings or income is an estimate only and no guarantee that you will achieve any particular level of income or business success. Any examples of past achievements or business success, including any financial results, do not indicate, suggest, or guarantee that the same is possible in the future and on this basis we make no guarantee, representation or warranty with respect to the Services provided.

11.3 Any information or content provided on our Website or provided to you during delivery of the Programme is not intended to constitute advice and should not be relied upon when making any decisions or taking any action.

12. Liability

12.1 Your purchase of the Programme and compliance with these Terms does not constitute or imply any business relationship other than as set out within these Terms.

12.2 We do not warrant or guarantee that your access to the Programme will be:

12.2.1 accessible via your particular hardware or software;

12.2.2 free from interruptions or errors;

12.2.3 free from defects;

12.2.4 suitable for your particular business situation or circumstances.

12.3 We shall not be liable (whether caused by us, our agents, employees or otherwise) to you for:

12.3.1 any indirect, consequential or special damages, losses or costs;

12.3.2 any loss of profits, business, data, reputation or goodwill or any such anticipated losses;

12.3.3 any failure to deliver the Programme where we are prevented due to a reason beyond our reasonable control;

12.3.4 any losses arising from your choice of Programme or your use of the Programme once delivered; or

12.3.5 any physical injury, emotional distress, psychiatric symptoms, or other health-related issues that may arise from your participation in the somatic practices taught in the Programme, provided we have not been negligent.

12.4 You agree to indemnify and hold us harmless for any action taken against us due to your violation or disregard of:

a) any of these Terms;

b) your participation in any way in the Programme or any of our other services;

c) any health-related issues arising from your participation in somatic practices where you have not disclosed relevant health information or have participated against professional medical advice.

12.5 In the event you incur damages as a result of our default or breach, our entire liability to you under these Terms is limited to the amount of the Programme Fee paid by you as at the time the loss is sustained. You agree and acknowledge that this clause 12.5 is fair and reasonable in the circumstances given the nature of the arrangement between us and the Programme.

12.6 Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by our negligence or for any fraudulent misrepresentation.

12.7 During the term of your access to the Programme and at any time thereafter, you agree to take no action which is intended, or would reasonably be expected, to harm us, our agents, employees, contractors, or clients, or its or their reputation or which would reasonably be expected to lead to unwanted or unfavourable publicity to us, our agents, employees, contractors, or clients.

12.8 In the event a dispute arises in connection with these Terms and the provision of the Programme which is incapable of being resolved following our complaints process or otherwise by mutual consent, then we both agree to submit the matter for mediation by a qualified independent mediator in Jersey. In the event a resolution is still not possible following mediation then either party shall be at liberty to commence legal action.

13. General

13.1 In the event any provision of these Terms is deemed to be invalid or unenforceable for any reason then that provision shall be struck out and the remaining provisions shall remain valid and enforceable.

13.2 All titles and headings used within these Terms are for reference purposes only.

13.3 We shall be entitled to transfer any of our rights and obligations under these Terms at any time, without notice.

13.4 Every effort will be made to deliver the Programme in accordance with these Terms but we shall not be liable for any delay or failure in provision of the Programme where we are prevented or delayed by reason of an Act of God, Strike, War, Riots, Lock Outs, Fire, Flood, Accident, Pandemic, Epidemic, Lockdown, Delays in Transit, any act or omission of a Telecommunications officer or Third Party Supplier of Services, or any other circumstances beyond our control. In such circumstances time of delivery shall be extended until a reasonable time after the event preventing or interfering with the due execution, and under no circumstances will we be liable for any loss or damage you may suffer as a result.

13.5 No failure or delay in exercising a right under these Terms shall be deemed to be a waiver of that right, and no waiver of a breach of any provision of these Terms shall be deemed to be a waiver of any subsequent breach of the same or any other provision.

13.6 These Terms and any dispute or claim arising out of them (including non-contractual disputes or claims) shall be governed by the laws of Jersey, Channel Islands and the Royal Court of Jersey shall have exclusive jurisdiction to settle any dispute or claim.

13.7 Where we deem it necessary to vary or modify these Terms (other than the Programme Fee) then we shall notify you of any changes by email and your continued use of the Programme will be deemed as your acceptance of any changes.

13.8 The Contracts (Rights of Third Parties) Act 1999 or equivalent legislation in any jurisdiction shall not apply.

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SCHEDULE 1: WEALTH RESONANCE® PROGRAMME

Programme Details

The Wealth Resonance® Programme is an 8-week live experience combining somatic practices, nervous system regulation, and money education to help participants transform their relationship with money.

What’s Included

• 8 live group sessions via Zoom (each session 90 minutes)
• Recordings of all live sessions (available within 48 hours, accessible for 12 months)
• Access to private Circle community (12 months)
• Programme workbook
• Email support (48-hour response time, Monday–Friday, 9am–5pm UK time)

Standard Bonuses (All Purchasers)

1. The Complete Money Dashboard – Comprehensive financial tracking and planning tools including monthly income/expense tracker, savings calculator, annual financial tracker, financial freedom number calculator, savings goals tool, and business income/expenses module.
2. The Tapping into Wealth Bundle – Three recorded 45-minute group tapping sessions: Surpassing Your Energetic Income Ceiling; Identifying and Releasing Your Biggest Money Fears; Discover Your Money Parts (An Embodied Experience).
3. Wealth Resonance AI Somatic Financial Coach – 35+ custom AI prompts organised by common money blocks including pricing, shame, avoidance, fears, success, failure, guilt, and new money identity work.
4. 'The power to receive' live online 60-minute training with Kathy Caprino.
5. 'Rejection Sensitivity and Worthiness' live online 60-minute training with Kate Moryoussef
6. 3 Months of Group Support with Catherine - 3 further months of community calls online in Aug, Sep and Oct 2026 (1 x online group 60 min call per month). No substitution will be made if you are unable to make these calls. They will be recorded and added to your members' area for access for the remaining period left of the 12 months from when you joined the Programme.

Access Period

12 months from date of enrolment for all recordings, resources, and community access.

Payment Terms

Payment Options:

• 1. Pay in Full – Single payment due at time of enrolment
• 2. Payment Plan – Twelve consecutive monthly instalments due on the same date each month as your enrolment date

The additional sums attached to the payment plan option reflect the administrative costs incurred by us in managing the instalment payment arrangement and do not constitute a penalty credit sum.

Instalment Payment Terms

Where you choose to make payment by instalments:

• 1. The first instalment is due at the time of enrolment
• 2. Subsequent instalments are due over consecutive months on the anniversary of your enrolment date
• 3. You remain responsible for payment of the full Programme Fee until paid in full
• 4. If any instalment payment is missed, the full outstanding amount of the Programme Fee will become immediately payable
• 5. You remain responsible for payment of the full Programme Fee whether or not you continue to access the Programme.
• 6. Failed payments will be subject to the late payment terms set out in Clause 5 of these Terms

Payment Methods

Payment is collected by The Money Panel Ltd (UK) on behalf of Catherine Morgan Limited (Jersey) and must be made by credit card, debit card, or other online payment processor as available at checkout.

Future Participation

Founders Circle Members:

• Recordings from the calls may be made available to future cohorts
• Circle members may access future live rounds of the Programme for an additional fee (to be determined)
• No guarantee is made regarding pricing or availability of future rounds

Bonuses

Standard Bonuses: Included for all purchasers as detailed above.

Waitlist Bonuses: Available only to those who enrolled from the waitlist prior to programme launch. These bonuses are subject to change or removal for future cohorts without notice.

Delivery of Bonuses:

• All bonuses will be delivered via email or through your programme portal
• If you believe you have not received bonuses you are entitled to, you must notify us within 7 days of enrolment

Changes to Programme

We reserve the right to make reasonable changes to:

• Specific exercises or practices taught (while maintaining the overall framework)
• Platform or technology used for delivery
• Bonus materials offered to future cohorts

Material changes affecting the core Programme structure or delivery will be communicated to enrolled participants.

For questions regarding these Terms, please contact: support@catherinemorgan.com

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These Terms and Conditions were last updated on 21st May 2026.