Please carefully read all the terms and conditions of this contract detailed below before purchasing a product with Our Rich Journey LLC (hereinafter, “Company”). For and in consideration for being permitted to enroll in an Our Rich Journey Product, program, event, or meet-up (hereinafter, the”Product”) you have selected with Company, you (the buyer, hereinafter, “You”) agree to accept and be bound by the terms and conditions set forth herein.
REFUND POLICY. Due to the instant delivery of the Product content, Company does not offer refunds. If you have any questions about the Product, please reach out to Company to get your questions answered before you decide to sign up for the Product.
NON-TRANSFERABILITY. Your right to enroll in the Product is not transferable. Any password or right given to you to obtain information is not transferable. You shall not solicit, sell, offer, redeem, or otherwise provide or transfer the Product to any person or entity.
COMPANY IS NOT A FINANCIAL ADVISOR, ACCOUNTANT, TAX SPECIALIST, OR IMMIGRATION SPECIALIST. Company’s Products may consist of Company providing educational information on various topics, including investing in the stock market, saving money, making moneym and/or moving to Portugal. These topics may include, but are not limited to educational information related to: an investing introduction and overview, steps to take before you begin investing, starting with a goal & achieving FIRE, stock market history, investing mentality, overview of investment accounts, types of investment fees, picking a brokerage company, opening a brokerage account, funding your brokerage account, automating investments, order of investing, types of investments, asset allocation & optimal returns, researching investments, lump sum investing vs. dollar cost averaging, rebalancing, investing mistakes to avoid, dealing with recessions and bear markets, putting it all together, continuing education, living off your investments, calculating your FIRE number, emergency funds, debt payoff, real estate investing, saving money, making money, healthcare, ways to retire early, financial planning, moving to Portugal, obtaining a visa in Portugal, obtaining a residence permit in Portugal, establishing NIFs in Portugal, purchasing real estate in Portugal, renting a home in Portugal, obtaining healthcare in Portugal, setting up banking in Portugal, paying taxes in Portugal and the United States, setting up a driver’s license in Portugal, and working in Portugal.
Company, including its officers, members, agents, contractors, employees, and other representatives (each a “company party” and collectively, the “Company Parties”) is not in the business of dispensing legal, accounting, tax, investment advice, immigration information or other professional services. While Company’s Product may focus on investing money, saving money, making money, or moving to Portugal, you understand that Company’s Product does not instruct you to make specific investments, to invest in specific accounts, to invest with a specific brokerage company, take any other specific acts with regards to investing, financial independence, or retiring early; or to take any specific acts with respect to moving, immigrating, or living in Portugal. A competent professional’s service should be sought if you need expert assistance in areas that include investment, legal, tax, accounting, retirement, or immigration advice. You understand that you retain discretion over and responsibility for the implementation of any decisions relating to your investments, your investment plan, your retirement plan, your retirement options, and/or your move to Portugal. You are free to accept or reject any educational information provided from Company and Company Parties.
USE OF LIKENESS. By attending any Company event, you acknowledge and agree to grant Company the right to record, film, photograph, or capture your likeness in any media now available or hereafter developed and to distribute, broadcast, use, or otherwise globally to disseminate, in perpetuity, such media without any further approval from you or any payment to you. This grant to Company includes, but is not limited to, the right to edit such media, the right to use the media alone or together with other information, and the right to allow others to use or disseminate the media.
WAIVER OF LIABILITY AND RELEASE. YOU ACKNOWLEDGE AND AGREE THAT IN NO EVENT SHALL COMPANY AND/OR ANY COMPANY PARTIES BE LIABLE OR RESPONSIBLE FOR ANY LOSSES OR LIABILITIES ARISING OUT OF YOUR ENROLLMENT OR PARTICIPATION IN THE PRODUCT. YOU UNDERSTAND THAT COMPANY DOES NOT WARRANT OR GUARANTEE ANY PARTICULAR SUCCESS WITH YOUR INVESTMENTS, YOUR INVESTMENT PLAN, OR YOUR RETIREMENT PLAN; COMPANY DOES NOT WARRANT OR GUARANTEE ANY PARTICULAR LEVEL OF ACCOUNT PERFORMANCE; COMPANY DOES NOT WARRANT OR GUARANTEE THAT YOUR RETIREMENT OR OTHER INVESTMENT ACCOUNTS WILL BE PROFITABLE OVER TIME; AND, WITH RESPECT TO PORTUGAL, THAT YOUR VISA APPLICATION WILL BE APPROVED; THAT YOUR RESIDENCE PERMIT WILL BE APPROVED; THAT YOUR NHR STATUS WILL BE APPROVED; OR THAT YOU WILL NOT REQUIRE HELP FROM A QUALIFIED PROFESSIONAL. WITH RESPECT TO COMPANY EVENTS OR MEET-UPS, COMPANY DOES NOT GUARANTEE THAT PRE-SET AND/OR PRE-ADVERTISED DATES OR LOCATIONS WILL NOT CHANGE. IF COMPANY MAKES ANY SUCH CHANGES TO THE DATES OR LOCATIONS OF EVENTS OR MEET-UPS, INCLUDING DETERMINING SUCH EVENTS OR MEET-UPS SHALL BE HELD VIRTUALLY, AFTER YOUR PURCHASE OF A TICKET, YOU WILL NOT BE ENTITLED TO A REFUND. ANY AND ALL OTHER COSTS ASSOCIATED WITH YOUR ATTENDANCE SHALL BE BORNE SOLELY BY YOU, AND COMPANY SHALL HAVE NO LIABILITY FOR SUCH COSTS, INCLUDING BUT NOT LIMITED TO TRAVEL, HOTEL, AND MEALS.
NOT EVERY INVESTMENT ACTION THAT YOU TAKE WILL BE PROFITABLE. YOU ASSUME ALL MARKET RISK INVOLVED IN THE INVESTMENT OF ASSETS AND UNDERSTAND THAT INVESTMENT SUCCESS IS SUBJECT TO VARIOUS MARKET, CURRENCY, ECONOMIC, POLITICAL AND BUSINESS RISKS. IN CONSIDERATION FOR BEING ABLE TO ENROLL IN THE PRODUCT, YOU VOLUNTARILY ASSUME FULL RESPONSIBILITY FOR AND HEREBY RELEASE, WAIVE, DISCHARGE, HOLD HARMLESS, AND COVENANT NOT TO SUE COMPANY OR COMPANY PARTIES FOR ANY AND ALL CLAIMS, DEMANDS, ACTIONS, CAUSES OF ACTION, AND/OR LOSSES (INCLUDING BUT NOT LIMITED TO ANY EXEMPLARY, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR OTHER DAMAGES, MEDICAL EXPENSES, LOST WAGES/INCOME, LOSS OF SERVICES, LOST PROFITS, PROPERTY DAMAGE, PAIN, ILLNESS, AND DEATH) WHATSOEVER ARISING OUT OF OR IN ANY WAY RELATED TO YOUR PARTICIPATION IN THE PRODUCT AND/OR ANY ACTIVITIES CONDUCTED IN CONNECTION THEREWITH, REGARDLESS OF WHETHER SUCH LIABILITIES ARE CAUSED BY THE NEGLIGENCE OF ANY COMPANY PARTIES OR OTHERWISE, AND REGARDLESS OF WHETHER SUCH LIABILITY ARISES IN TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ANY COMPANY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LIABILITIES, TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW.
BINDING EFFECT. It is your express intent that this Agreement shall bind the members of your family and spouse, if you are alive, and your heirs, assigns and personal representatives, if you are deceased, and shall be deemed as a RELEASE, WAIVER, DISCHARGE, AND COVENANT NOT TO SUE any of the Company Parties.
CHOICE OF LAW AND JURISDICTION. You agree that this Agreement shall be governed by the laws of the State of California, that any mediation, suit, or other proceeding must be filed or entered solely and exclusively in the state of California and that the federal or state courts located in California and any courts of appeal therefrom shall have sole and exclusive jurisdiction to settle any dispute arising under or in connection with this Agreement (including any disputes as to this Agreement’s existence or validity). You waive any objection (on the grounds of lack of jurisdiction, forum non conveniens, or otherwise) to the exercise of jurisdiction by such courts.
INTERPRETATION. You acknowledge and agree that this Agreement, including the releases and waivers of liability herein, are intended to be as broad and inclusive as permitted by applicable law.
SEVERABILITY. If any portion(s) of this document is/are held by a court of competent jurisdiction to be unlawful, invalid, or unenforceable, such portion(s) shall be interpreted and/or reformed without further action of the parties hereto to render them valid and enforceable when applied to the facts at issue and the lawfulness, validity, and enforceability of such provision(s) as applied to any other facts, and the lawfulness, validity, or enforceability of the remaining provisions of this Agreement shall in no way be affected or impaired thereby.
YOUR ACCEPTANCE OF THESE TERMS. YOU ACKNOWLEDGE THAT THIS IS A CONSENT, RELEASE OF LIABILITY, AND A WAIVER OF YOUR LEGAL RIGHT TO COLLECT DAMAGES IN THE EVENT OF ANY LOSS (INCLUDING BUT NOT LIMITED TO ANY EXEMPLARY, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR OTHER DAMAGES, MEDICAL EXPENSES, LOST WAGES/INCOME, LOSS OF SERVICES, LOST PROFITS, PROPERTY DAMAGE, PAIN, ILLNESS, AND DEATH) OR ANY OTHER LIABILITY, WHICH CREATES A CONTRACT BETWEEN YOU AND COMPANY. BY ENROLLING IN THE PRODUCT, IT IS YOUR INTENTION TO EXPRESSLY ASSUME ALL RISK OF PERSONAL INJURY, DEATH, PROPERTY DAMAGE, FINANCIAL DAMAGE, AND ANY OTHER LIABILITY UPON YOURSELF, TO THE EXCLUSION OF COMPANY AND ALL COMPANY PARTIES, AND TO EXEMPT COMPANY AND ALL COMPANY PARTIES FROM LIABILITY FOR, PERSONAL INJURY, PROPERTY DAMAGE, FINANCIAL DAMAGE, DEATH, OR ANY OTHER LIABILITIES.
By enrolling in the Product, you signify your acceptance of the terms in this Agreement. If you do not agree to these terms, do not enroll in the Product. Your continued enrollment in the Product following the posting of changes to these terms will be deemed your acceptance of those changes.
ENTIRE AGREEMENT. This Agreement constitutes the entire agreement between you and Company, and supersedes any prior agreement, regarding the subject matter herein. You acknowledge and represent that no oral representations, statements, or inducements, apart from those set forth herein, have been made to you by any Company Party.