Terms & Conditions

These Terms & Conditions (the "Terms") govern the purchase and use of all paid programs, memberships, digital products and platform access offered by Abigail Kwakye Kwame (sole trader / Einzelunternehmen, trading as "Muvasclass"), Zurich, Switzerland (the "Provider"). By completing checkout, the Client enters a legally binding contract with the Provider under Swiss law on these Terms.

1. The Platform and Programs Covered

1.1 Muvasclass is delivered through the Provider's own digital platform (the "Platform"), including course modules, video lessons, milestones, the Resource Library, digital tools, done-for-you digital products, the vault, the Replay Room and any community, group or chat features added over time.

1.2 These Terms apply to all paid offers under the Muvasclass brand, including but not limited to:

*All prices are displayed at checkout in the checkout currency. The price shown at checkout at the moment of purchase is the binding price. The Provider may change pricing for future purchases and renewals at any time in accordance with Section 6.6. Prices include applicable taxes unless expressly stated otherwise at checkout; where the Client is liable for taxes or duties in their own jurisdiction, these are the Client's responsibility.

1.3 "Lifetime Access" means access for the operating lifetime of Muvasclass: for as long as the Muvasclass program and Platform continue to operate. This definition applies to all one-time purchases, including the Tier 2 one-time purchase and the Tier 3 one-time purchase. It does not mean the lifetime of the Client, does not guarantee any minimum lifespan of the program and does not include personal 1:1 access to the Provider.

1.4 Tier 3 founding places may be offered in limited, capped numbers. Founding conditions (price, bonuses, badge, early access) apply only to the founding cohort and may never be offered again. Being a founding member does not create additional contractual rights beyond these Terms.

2. Business Purchase Qualification

2.1 Muvasclass is a business education and mentorship product. The Client purchases in order to build, grow or professionalize their own business or self-employed activity and confirms this at checkout.

2.2 The Client therefore contracts as a business purchaser. To the extent permitted by law, consumer protection provisions — including statutory withdrawal or cooling-off rights and consumer jurisdiction rules — do not apply to business purchasers.

2.3 Where mandatory law of the Client's country of residence nevertheless classifies the Client as a consumer, only those rights that cannot be excluded by contract remain unaffected. All other provisions of these Terms continue to apply.

2.4 The program is offered exclusively to persons aged 18 or over with full legal capacity. By completing checkout, the Client confirms both. The Provider may terminate access and refuse service where this confirmation proves false.

2.5 Right to refuse service. Participation is subject to acceptance by the Provider. The Provider may decline or cancel any purchase and refuse access at its sole discretion, in particular where the purchaser has outstanding unpaid amounts toward the Provider from any prior program or agreement, has previously initiated an unresolved chargeback or payment dispute against the Provider, was previously removed from a Provider program, or attempts to purchase through a third party or a different identity to circumvent this Section. Where a purchase is declined or cancelled before any access, amounts paid for that purchase are refunded; such a refund creates no claim to admission. Amounts owed under prior agreements remain due in full and are unaffected by these Terms.

3. Cooling-Off and Withdrawal

3.1 Business purchasers: no cooling-off or withdrawal right applies. The purchase is final at checkout, subject only to Section 4.

3.2 EU consumers (where mandatory law applies despite Section 2): a fourteen (14) calendar day withdrawal right from the date of purchase applies, including for subscription purchases. However, by requesting immediate access to the Platform at checkout — which every purchase includes — the Client expressly consents to immediate performance and acknowledges that the withdrawal right is lost upon accessing any digital content, in accordance with Art. 16(m) of Directive 2011/83/EU. Accessing includes logging into the Platform, viewing any module or resource, downloading any product or joining any call or chat.

3.3 Swiss and all other non-EU residents: Swiss law does not provide a statutory withdrawal right for online purchases of digital content. No contractual cooling-off period is granted.

3.4 Where a valid withdrawal is exercised under 3.2 before any access, amounts paid are refunded within fourteen (14) days to the original payment method.

3.5 Where mandatory law grants a withdrawal right despite access having occurred, the Provider is entitled to deduct an amount proportionate to the access period and the content already consumed, valued against the full program price.

4. All Sales Final

4.1 This includes, without exception, requests based on: change of personal circumstances; financial difficulty; family, partner or parental pressure or intervention; dissatisfaction with results; failure to implement; lack of time; change of mind; conflict with other commitments; or any subjective experience of the program.

4.2 The program consists of digital intellectual property, immediate platform access and personalized services that cannot be returned once accessed.

5. No Performance or Income Guarantee

5.1 The Provider makes no guarantee, promise or warranty of any specific financial result, income amount, sales figure, follower count or business outcome. Results, testimonials and case studies referenced anywhere are examples of what other clients have achieved and are not a promise.

5.2 Any prior performance guarantee previously offered by the Provider — including but not limited to any "$10K or Free" guarantee, "10K in 90 days" promise, money-back guarantee or similar performance-based refund offer — has been formally discontinued and does not apply to any purchase under these Terms.

6. Memberships, Renewal, Cancellation and Upgrades

6.1 Billing cycles. Monthly memberships renew automatically each month; annual memberships renew automatically each year, in each case until cancelled. One-time purchases (Tier 2 Lifetime Access, Tier 3 one-time) do not renew.

6.2 Cancellation. The Client may cancel a membership at any time with effect from the end of the current billing period. Cancellation stops future renewals; it does not entitle the Client to a refund of the current or any past period. Access continues until the end of the paid period.

6.3 Upgrades. Tier upgrades are processed within the Platform: the existing plan ends and the new plan begins with its own billing cycle, with the unused portion of the current billing period credited pro-rata against the new plan automatically. The Client will never be charged for two overlapping plans; should an overlapping charge occur due to processing timing, the Provider corrects it by refund or credit of the overlapping amount.

6.4 Downgrades. Downgrades take effect at the end of the current billing period. Access to higher-tier features ends at that point.

6.5 Failed renewal payments. If a renewal payment fails, the Provider may retry the charge and will notify the Client by email with a request to update the payment method. If payment is not completed within a grace period of eight (8) days from the first failed charge, Platform access may be paused until the outstanding amount is settled and a valid payment method is provided. Payment events are logged as part of the contractual record (Section 12). Section 7.2 applies to installment plans.

6.6 Price changes. The Provider may change membership pricing with at least thirty (30) days' written notice, effective from the next renewal. If the Client does not agree, the Client may cancel under 6.2 before the new price takes effect. Lifetime Access and completed one-time purchases are unaffected by later price changes.

6.7 In-Platform purchases. The Platform may offer one-time in-platform purchases such as usage top-ups for tools, early-unlock fees and add-ons. These are consumed or activated immediately upon purchase, are non-refundable and do not renew. The price shown in the Platform at the moment of purchase is binding.

6.8 Account. One account per Client. Login credentials are personal and may not be shared. The Provider may terminate access without refund where an account is shared or resold.

6.9 Progression-based access. The program is built on progression, not on unrestricted content access. Access to certain modules, milestones and features is deliberately conditional on completing prior steps, submitting required proof of implementation and its review and acceptance by the Provider's team. Locked content, pending reviews and rejected submissions with revision requests are core features of the program design, not a defect or lack of delivery, and do not entitle the Client to refunds, credits or price reductions. Review timelines are indicative, not guaranteed.

7. Payment Terms and Installment Plans

7.1 The Client may pay in full at checkout or via an offered installment plan. By selecting an installment plan, the Client agrees that the full program amount is legally owed and binding regardless of continued participation, satisfaction or use; that each installment is charged automatically on its due date to the payment method on file; and that the Client is responsible for sufficient funds and updated payment details at all times.

7.2 Missed or failed payments — acceleration. If any installment is missed, declined, failed or reversed, or disputed other than in compliance with the process in Section 9.1, the Provider will notify the Client in writing and grant an eight (8) calendar day period to complete the payment. If payment is not completed within this period, the entire remaining balance becomes immediately due and payable in full, and the Provider may: (a) suspend or terminate all Platform access without refund; (b) initiate Swiss debt enforcement (Betreibung) for the full balance; (c) refer the balance to a debt collection agency; (d) pursue legal action for the balance plus default interest of 5% p.a., collection costs and reasonable legal costs.

7.3 Reinstatement of access after acceleration is at the Provider's sole discretion and conditional on receipt of the full balance in cleared funds.

7.4 Payment processing. Payments are processed by third-party payment providers. The processing itself is subject to the respective provider's systems; the contractual payment obligation under these Terms exists toward the Provider regardless of the processor used.

7.5 No set-off. The Client may not withhold, reduce or set off payments due under these Terms against alleged claims or complaints. Concerns are raised through the process in Section 9.1 while payment obligations continue.

8. No Third-Party Intervention

8.1 Only the Client — the named individual who completed checkout — has standing to raise refund requests, disputes, complaints or contractual claims under these Terms.

8.2 Requests or claims raised by parents, partners, spouses, family members, friends, advisors or any other third party on the Client's behalf are not actionable and will be referred back to the Client. The Client cannot transfer or delegate this agreement or use a third party as substitute negotiator.

9. Chargebacks, Disputes and Swiss Debt Enforcement

9.1 Mandatory pre-dispute notice. Before initiating any chargeback, payment dispute, legal action or formal complaint, the Client must send written notice to muvvasclass@gmail.com and allow fourteen (14) calendar days for good-faith resolution. The Provider commits to responding to any written concern within five (5) business days. Bypassing this process is a material breach of these Terms.

9.2 Consequences of a breach chargeback. If the Client initiates a chargeback or payment reversal without completing the process in 9.1, the Client agrees that:

• all Platform and program access is immediately and permanently terminated without refund;
• the Client is permanently excluded from all current and future Muvasclass programs and products;
• the Client remains fully liable for the disputed amount, plus all chargeback fees and processor penalties actually incurred, plus the Provider's documented administrative costs of handling the dispute;
• the Provider will contest the chargeback with the full contractual record under Section 12.

10. Recording, the Replay Room and Communication Records

10.1 Sales calls, onboarding calls, coaching and group calls, audits and 1:1 sessions may be recorded and transcribed by the Provider for quality assurance, training, program delivery, dispute resolution and contractual evidence. By joining any call, the Client consents to that recording. The Client may not record any call without the Provider's written permission.

10.2 The Replay Room — recordings are shared with other members. Recordings of group calls, coaching calls, Q&A sessions and audits are not kept privately by the Provider alone. They may be published by the Provider in the Replay Room inside the Platform, where they can be watched on demand by other paying Clients on Tier 2 and Tier 3 for as long as those Clients hold access. By joining any such call, the Client consents not only to being recorded but to that recording being made available to and viewed by those other members.

10.3 What other members can see. A published replay shows what happened on the call: the Client's voice; the Client's name or display name as it appeared; the Client's image where the camera was switched on; the Client's screen where it was shared; and anything the Client chose to say, show or ask, including business, financial or personal information the Client volunteered during the call. The Client should treat a live call as a room with other members in it, and should not disclose anything on a call that the Client would not wish other members to see.

10.4 Choosing not to appear. Attendance at any group or coaching call is voluntary. A Client who does not wish to appear in a shared recording may choose not to join the call live and to watch the replay instead, without any effect on membership, standing or progression; questions may be submitted to the Provider in writing before the call and answered without attribution.

10.5 Editing, withdrawal and removal. The Provider may edit, trim, withhold, replace or remove any recording from the Replay Room at its discretion, and is under no obligation to publish any given call. A Client may ask in writing for their own contribution to be removed from a published replay, and the Provider will do so where technically feasible, which may mean editing the segment out or withdrawing the recording. Removal operates for the future only: it cannot reach copies already viewed, and does not extend to recordings retained as contractual evidence under Section 12 or where retention is required to establish, exercise or defend legal claims.

10.6 Confidentiality of replays. Replays are program materials under Section 13 and confidential under Section 15. A Client who watches a replay may not record, screenshot, download, republish or share it, or disclose what another Client said in it, outside the Platform.

10.7 Written communication — including DMs, WhatsApp messages, emails and Platform or community posts — may be retained by the Provider as part of the contractual record. Details of data handling, including the Replay Room, are set out in the Privacy Policy.

11. Entire Agreement — No Outside Promises

11.1 These Terms are the entire agreement between the Client and the Provider for the purchase.

11.2 No statement, guarantee, bonus, promise or representation made anywhere by anyone — including the Provider directly or any setter, closer, contractor, affiliate or partner, on sales calls, in DMs, voice notes, emails, marketing materials or summaries — applies unless expressly written into these Terms. If a specific promise is material to the Client's decision, the Client must have it added in writing before completing checkout. After checkout, no external promise will be honored.

12. Contractual Record and Evidence

12.1 The Parties agree that the following constitute the agreed contractual record and admissible evidence of the agreement and its performance: the checkout confirmation including timestamp, IP address and the accepted Terms version; Platform access logs (logins, module views, downloads, tool usage, call attendance); payment and billing records including logged payment events (charges, failures, retries, updates); and communication retained under Section 10.

12.2 The Client acknowledges that this record will be used to respond to refund requests, payment disputes, chargebacks and enforcement proceedings.

13. Intellectual Property and License

13.1 Ownership. All Platform content and program materials — including course modules, video lessons, milestones, workbooks, templates, scripts, frameworks, the Resource Library, the tools and their logic, the vault, recorded calls and replays and the structure, format and concept of Muvasclass itself — are the exclusive intellectual property of the Provider and protected under Swiss and international copyright law.

13.2 License. The Client receives a non-exclusive, non-transferable, revocable license to use the materials and tools for their own business and educational use only, within the usage limits shown on the Platform (including tool usage caps and unlock conditions).

13.3 Done-for-you products — the exception. Digital products expressly designated as done-for-you or "resale rights included" may be used and resold by the Client for their own business in original or modified form, in accordance with the resale terms shown on the Platform. This is the only category of materials the Client may commercialize.

13.4 Prohibited uses. The Client will not: share, distribute, resell, sublicense, publicly post or transmit any other program material; share login credentials; teach, coach or train others using the Provider's frameworks, methodologies or proprietary content; copy or rebuild the Muvasclass concept, structure, format, Resource Library concept or tools — in whole or in part — into a competing offer; create commercial derivative works from program materials; scrape, download in bulk or archive Platform content; record or share content from calls, replays or other clients' contributions; or present themselves as a coach, affiliate or representative of Muvasclass without written authorization.

13.5 Client submissions. Content the Client submits to the Platform — including milestone proofs, screenshots, shop links, questionnaire answers, community posts and wins — remains the Client's property. The Client grants the Provider a non-exclusive license to store, process, review and display such content within the Platform for program delivery, including anonymized momentum displays. Use of a Client's identifiable results or testimonials in marketing requires the Client's prior consent. The Client warrants that submitted content is truthful and does not infringe third-party rights.

13.6 Remedies. Breach of this Section is a material breach. The Provider may immediately terminate access without refund, pursue damages including the commercial value of the unauthorized use, seek injunctive relief and recover legal fees and costs. Obligations under this Section survive termination indefinitely.

14. Community, Conduct and Removal

14.1 The Provider operates the Platform and any current or future community, group and chat features with zero tolerance for conduct that disrupts the community or harms other clients.

14.2 The Provider may remove any Client from community features, calls and the Platform at any time, without refund, for: abusive, harassing, threatening or inappropriate behavior; disruption of discussions or calls; unsolicited self-promotion or solicitation; breach of confidentiality regarding other clients; breach of any clause of these Terms; or any conduct the Provider reasonably deems incompatible with the integrity of the program. Outstanding installments remain due in full after removal.

15. Confidentiality and Non-Disparagement

15.1 The Client keeps strictly confidential all personal, business and financial information shared by other clients in any program space, the contents of calls, replays and sessions involving other clients, and the Provider's unreleased materials. No screenshots, recordings or sharing of such content without written permission. This obligation survives indefinitely.

15.2 The Client will not publish or transmit knowingly false, defamatory or misleading statements about the Provider, the program, the team or other clients. Honest, good-faith reviews based on actual experience remain expressly permitted.

16. Platform Availability, Modifications and Force Majeure

16.1 The Platform is provided as is. The Provider aims for high availability but does not guarantee uninterrupted access. Maintenance, updates and improvements may cause temporary interruptions, which do not entitle the Client to refunds.

16.2 The Provider may update, modify, restructure or improve Platform features, program content, structure, delivery schedule and materials at any time. Modifications do not entitle the Client to a refund.

16.3 Changes to these Terms. The Provider may amend these Terms with at least thirty (30) days' written notice to active Clients, indicating the new version number. For memberships, the amended Terms take effect from the first renewal after the notice period; if the Client does not agree, the Client may cancel under Section 6.2 before that renewal. For one-time purchases, amendments apply only to the extent they do not materially reduce the access already purchased. Continued use of the Platform after the effective date constitutes acceptance. The version accepted at checkout remains part of the contractual record under Section 12.

16.4 The Provider is not liable for failure or delay caused by circumstances beyond reasonable control, including serious illness, family emergency, natural disaster, war, pandemic, government regulation, internet outages, hosting or software failures and third-party platform failures (including payment providers). Where reasonably possible, the Provider will reschedule, provide alternatives or extend timelines. Force majeure does not pause payment obligations.

17. Limitation of Liability and Personal Responsibility

17.1 To the maximum extent permitted by Swiss law, the Provider's total cumulative liability under or in connection with these Terms shall not exceed the total amount paid by the Client. The Provider is not liable for indirect, incidental, special, consequential or punitive damages, including loss of profits, business, revenue, opportunity or reputational damage. Nothing limits liability for fraud, intent or gross negligence or any liability that cannot be excluded under mandatory Swiss law.

17.2 The program is an educational and mentorship product and no substitute for legal, financial, tax, medical or psychological advice. The Client is solely responsible for their own decisions, actions and compliance in their own jurisdiction.

17.3 AI-assisted features. Parts of the Platform — including milestone reviews, plan generators and tools — use artificial intelligence, in combination with human oversight where the Provider deems appropriate. AI-generated outputs are educational suggestions, may contain errors and are no substitute for the Client's own judgment or professional advice. The Client remains solely responsible for decisions based on such outputs. The Provider may determine the mix of AI and human review at its discretion.

18. Assignment

18.1 The Provider may assign this agreement, including all rights and obligations, to a legal entity that continues the Muvasclass business (for example upon incorporation of a Swiss GmbH), without the Client's consent. The Client's rights remain unchanged by such assignment. The Client may not assign or transfer this agreement.

19. Governing Law and Jurisdiction

19.1 These Terms are governed by Swiss law, excluding conflict-of-law rules.

19.2 Exclusive place of jurisdiction is Zurich, Switzerland. Where mandatory consumer protection law of the Client's country of residence applies despite Section 2, statutory jurisdiction rights remain unaffected.

20. Severability and Survival

20.1 If any provision is found unenforceable, the remainder stays in force and the provision is modified to the minimum extent necessary to make it enforceable while preserving its intent.

20.2 Notices. All notices under these Terms may be given by email. Notices to the Client are validly given to the email address used at checkout (or a later address confirmed by the Client) and are deemed received on the day of sending. Notices to the Provider go to the contact address in Section 21. A failure by the Provider to enforce any provision is not a waiver of the right to enforce it later.

20.3 Language. These Terms are drafted in English. Courtesy translations may be provided; in case of discrepancy, the English version prevails.

20.4 The following survive termination indefinitely: Sections 9 (chargebacks and enforcement), 10 (recording and the Replay Room), 12 (record and evidence), 13 (IP), 15 (confidentiality and non-disparagement), 17 (liability) and all outstanding payment obligations.

21. Contact and Provider Information

Questions about these Terms, access issues or concerns before any payment dispute: muvvasclass@gmail.com — response within five (5) business days.

Provider: Abigail Kwakye Kwame · Sole trader (Einzelunternehmen), trading as Muvasclass · Zurich, Switzerland