Program terms & offer details

RICH AF Academy

Course and Program Purchase Agreement

Version: October 20, 2026

Provider: A Farooqui LLC

1. Who this agreement covers

These terms are between A Farooqui LLC ("Company," "we," "us," or "our") and the purchaser and participant ("you") for the RICH AF Academy course, digital product, or educational program identified at checkout (the "Program"). The product-specific offer details presented before payment and included with your order confirmation ("Offer Details") form part of this agreement.

These terms apply only to purchases for which they are presented and affirmatively accepted. They do not retroactively replace terms or refund rights attached to an earlier purchase. One-to-one coaching, consulting, creative services, and other custom services require a separate written scope or service agreement; these terms alone do not define those services.

You must be at least 18 and legally able to enter into this agreement. You confirm that the purchase and payment method are authorized and that the information you provide is accurate.

2. What your purchase includes

Your purchase includes only the content, access period, support, and other deliverables expressly identified in the Offer Details. You are purchasing access to education and the stated deliverables. You are responsible for deciding whether the Program suits your needs and for completing and applying the material.

An eight-week curriculum describes its suggested learning sequence. The Offer Details identify the included materials, their availability, and the access period. For RICH AF Accelerator, the eight-week curriculum does not limit your lifetime access to the purchased course and workbook.

Optional live group sessions may be scheduled from time to time. No minimum number, frequency, particular date, or recording is included unless expressly stated in the Offer Details. Individual coaching, private feedback, direct-message access, done-for-you work, certification, future programs, and future paid upgrades are not included unless expressly listed. Administrative and access questions may be sent to amber@amberfarooqui.com.

We may make reasonable instructional, technical, and platform improvements while preserving the material content, purchased access period, and other commitments in your accepted Offer Details. We will not use an update to remove a material purchased benefit without your agreement or a remedy required by law.

3. Price and payment

The price, currency, any applicable taxes or mandatory charges, and total amount payable will be shown before you place your order. You authorize the charge you expressly approve at checkout. Access may depend on successful payment and completion of account setup.

RICH AF Accelerator is currently offered at $449 USD as a one-time purchase, plus only any applicable tax disclosed before payment. It is not a subscription and does not automatically renew. Buying this Program does not authorize charges for another product or service.

For any other offer that expressly provides an installment plan, the checkout must separately state the total price, number and amount of payments, due dates, and any automatic-payment authorization before acceptance. An installment plan divides the purchase price; it is not a cancel-anytime membership. Subject to applicable law and our performance of the agreement, choosing not to participate or complete a Program does not cancel amounts otherwise due. No installment plan or recurring charge applies to this Accelerator offer.

If a payment fails, we may contact you and, after reasonable notice, pause access while an undisputed overdue amount remains unpaid. We will not impose an undisclosed penalty, automatically accelerate future installments, or interfere with protected billing-dispute rights.

4. All sales final; no discretionary refunds

ALL SALES ARE FINAL, EXCEPT WHERE APPLICABLE LAW REQUIRES OTHERWISE.

We do not offer discretionary refunds, cancellations, exchanges, credits, or enrollment transfers for courses, digital products, or educational programs purchased under this agreement. This includes requests based on a change of mind, lack of time, changes in personal or business circumstances, failure to use or complete the Program, inability to attend an optional session, or dissatisfaction with personal results. Subject to applicable law, this policy applies whether or not you log in, download materials, attend a session, or begin the curriculum.

There is no money-back guarantee, trial period, or satisfaction-based refund promise. Please review the Offer Details, access period, and this agreement before paying, and ask any purchase questions beforehand at amber@amberfarooqui.com.

This policy does not exclude, limit, or waive any refund, cancellation, repair, replacement, payment-dispute, or other remedy that cannot lawfully be excluded. It does not excuse fraud, misrepresentation, unauthorized or duplicate billing, or our failure to meet obligations for which the law provides a remedy. Any legally required refund will be handled within the legally required time and by a method permitted by law. A mandatory refund will not be replaced with store credit unless legally permitted and accepted by you where required.

5. Access, technology, and interruptions

RICH AF Accelerator currently includes access to weeks 1–6 and the accompanying workbook after successful payment. Weeks 7–8 are in development and are not yet available. Course and workbook access is provided with lifetime access and no fixed expiration date or renewal fee. A platform change or discontinuing new sales does not end that purchased access right. Any restriction for a violation of this agreement must be lawful and proportionate as described in Section 7. Other Programs have the access periods stated in their Offer Details. Your login is for one participant and may not be shared, sold, sublicensed, or transferred.

You are responsible for a working email address, a compatible device, and a reliable internet connection. Any material technical requirements or required additional purchases must be disclosed before checkout. Contact us promptly if you cannot access purchased content so we can investigate.

Platforms may require maintenance or experience outages. We will take reasonable steps to restore access and communicate material disruptions. A platform change or event outside our reasonable control does not automatically cancel our delivery obligations or your mandatory legal remedies. If we cancel or cannot deliver a material purchased component, we will provide the remedy required by applicable law. Any proposed substitute, revised delivery schedule, or credit is subject to your agreement where the law requires it.

6. Your use of course materials

The Company and its licensors retain ownership of the Program's lessons, videos, audio, workbook, templates, graphics, methods as expressed in the materials, and other protected content. Your purchase grants a limited, nonexclusive, nontransferable license to access and use the materials for your own learning and internal business use within the purchased access period, subject to this agreement. Authorized downloaded materials may be retained for those permitted uses unless your Offer Details expressly state otherwise.

You may apply what you learn and use authorized worksheets or templates for your own work or business. You may not share login credentials; distribute, publish, sell, or sublicense the course or its materials; teach or offer our protected materials as your own product; remove ownership notices; or make unauthorized recordings or copies. These restrictions do not limit uses permitted by applicable law, including protected criticism, reviews, or fair use. We do not claim ownership of your original work merely because you created it while taking the Program.

7. Participation and community conduct

Where a community or live session is included, participate respectfully. Do not harass, threaten, discriminate against, impersonate, defraud, or unlawfully expose private information about others. Do not spam, disrupt sessions, misuse accounts, or violate another person's intellectual property rights.

Respect other participants' nonpublic personal and business information. Group participation is not a legally privileged or confidential professional consultation, and we cannot guarantee how another participant will behave. Avoid sharing information you do not want other participants to receive. This provision does not restrict honest reviews, lawful reports to authorities, or disclosures protected by law.

We may remove prohibited content or proportionately restrict affected features when reasonably necessary to address a violation. Except for serious misconduct, urgent safety or security concerns, infringement, or repeated violations, we will ordinarily give notice and a reasonable opportunity to correct the issue before terminating access. Any suspension or termination, payment consequences, and refund rights remain subject to applicable law. We will not remove access, impose a fee, or retaliate because you post an honest review, make a lawful complaint, or exercise a protected payment-dispute right.

8. Your contributions and session recordings

You retain ownership of materials you submit. You give us only the permission reasonably needed to host, display, and use your submissions to provide the Program and the feedback or participation you requested. You must have the rights needed to share your submissions.

We will disclose any planned session recording and obtain any consent required by law before recording. Joining a Program does not by itself grant permission to use your name, image, voice, results, or feedback in public advertising. Any testimonial or promotional use requires separate permission. The applicable privacy notice explains how personal information is handled; it does not authorize undisclosed uses.

9. Educational purpose and results

The Program provides education and information. It does not promise any particular income, revenue, profit, client count, job, business outcome, personal transformation, or completion result. Your results depend on many factors, including your decisions, experience, effort, market conditions, and circumstances outside our control. Examples or participant experiences do not guarantee what you will achieve.

Content is not individualized legal, tax, investment, financial, medical, or mental-health advice and does not create a professional advisory relationship in those fields. Obtain qualified advice for decisions that require it. You remain responsible for your own decisions and business compliance. Nothing in this section limits our responsibility for truthful advertising or the specific deliverables we agreed to provide.

10. Warranties and limits of liability

We remain responsible for the express commitments in the accepted Offer Details and any rights or warranties that cannot lawfully be excluded. Subject to those commitments and rights, and only to the extent allowed by applicable law, we disclaim other implied warranties, including merchantability and fitness for a particular purpose.

To the extent permitted by applicable law, neither the Company nor its personnel will be liable for indirect, incidental, special, or consequential losses arising from this agreement, including lost profits, lost business opportunities, or loss of data. To the extent permitted by applicable law, our aggregate liability arising from the affected purchase is limited to the amount you paid for that purchase.

These exclusions and the liability cap do not apply to fraud, intentional misconduct, gross negligence, death or personal injury caused by negligence where liability cannot be excluded, or any liability, statutory damages, refund, or other remedy that applicable law does not permit us to exclude or limit. Nothing here limits rights under the Illinois Consumer Fraud and Deceptive Business Practices Act or other nonwaivable consumer protections. If a limitation is not permitted in your jurisdiction, it does not apply to you to that extent.

11. Questions, complaints, and payment disputes

For access, billing, or delivery issues, contact amber@amberfarooqui.com with your name, order email, and a description of the issue. Please do not email full payment-card numbers or other sensitive payment credentials. Contacting us may help resolve the issue, but it is not a prerequisite to exercising a legal right and does not shorten or extend a legal deadline.

We may provide accurate order, acceptance, payment, and delivery records to a payment provider when responding to a dispute. You retain any rights available under applicable law and your payment-provider rules. This agreement does not prohibit chargebacks, require withdrawal of a valid dispute, impose a chargeback penalty, or restrict honest reviews or reports to a regulator.

12. Electronic acceptance and communications

By checking the required acceptance box and placing your order, you agree to this agreement and the Offer Details electronically. You can save or print them before purchase and request a copy at amber@amberfarooqui.com. We will send order and Program administration messages to the email address you provide. This is not consent to unrelated promotional email or text messages.

Where the law requires a particular notice, delivery method, or separate electronic-record consent, we will follow that requirement. Your electronic acceptance does not waive any requirement that cannot lawfully be waived.

13. Governing law and remaining terms

Illinois law governs this agreement to the extent permitted by applicable law, without depriving you of mandatory protections that apply where you live. A dispute may be brought in a court with lawful jurisdiction. This agreement does not require arbitration or waive class-action, jury-trial, small-claims, or regulatory rights.

This agreement and your accepted Offer Details describe the purchase. Specific product commitments in the Offer Details control over a conflicting general provision. This agreement does not erase representations or remedies that the law protects. A change for an existing purchase requires your agreement where required by law; posting new terms alone will not reduce purchased rights. New versions apply prospectively to purchases that accept them.

If a provision is unenforceable, the remaining provisions continue to the extent lawful. Not enforcing a provision once does not waive future enforcement. If the Program is transferred to a successor, your purchased rights must remain protected and any legally required notice or consent must be provided. You may not transfer your enrollment, except where applicable law gives you that right.

Contact

A Farooqui LLC · RICH AF Academy
Email: amber@amberfarooqui.com

RICH AF Accelerator

Offer Details

Version: October 20, 2026

Provider: A Farooqui LLC · RICH AF Academy
Program: RICH AF Accelerator
Price: $449 USD, one-time, plus any applicable tax shown before payment. No subscription or automatic renewal.
Format: Self-paced course with an eight-week suggested curriculum and accompanying workbook.

Content delivery and access

Your purchase includes the RICH AF Accelerator course and accompanying workbook. Weeks 1–6 are currently available after successful payment. Weeks 7–8 are still in development, and no release date is guaranteed here. The complete eight-week curriculum is not currently available immediately.

You receive lifetime access to the purchased course and workbook, with no fixed expiration date or renewal fee. The eight-week description refers to the suggested curriculum sequence and does not limit your access period. A platform change or discontinuing new sales does not end your purchased access right.

Access is for one participant and is subject to the Course and Program Purchase Agreement, including its lawful, proportionate restrictions for misuse.

Sessions and support

Optional live group sessions may be offered when scheduled. No minimum number, recurring schedule, or session recording is promised. Individual coaching, private feedback, and direct-message support are not included. Purchase and access questions: amber@amberfarooqui.com.

Purchase policy

All sales are final. No discretionary refunds, cancellations, exchanges, credits, or enrollment transfers, except as required by applicable law. No particular income, business result, or other outcome is guaranteed. The RICH AF Academy Course and Program Purchase Agreement presented and accepted at checkout applies to this purchase.