Terms and Conditions

Last update date: October 2025

These Terms govern the agreement between Cent of a Woman S.r.l., having its legal seat in Via Fabio Filzi, 2, 20124 Milano (MI), Italia C.F./P.IVA:13265630965 (the “Owner”), and any person making online purchases on the www.centsationalwomen.com website (respectively the “Client” or the “User” and the “Website”), in accordance with the provisions of the Legislative Decree no. 206/2005 as amended and supplemented (the “Italian Consumer Code”).

The User shall read this document carefully.

This Website is provided by:

Owner contact email: [email protected]

Information about this Website

Cent of a Woman (“us,” “our,” or “we”) created these Terms of Service (the “Terms”) for you to understand the rules that apply when you make an online purchase on the Website for the provision of educational services (the “Services”). By using the Service, you agree to the following.

Acceptance of the Terms

The Client acknowledges that he/she accepts these Terms and our Privacy Policy (incorporated into these Terms by reference).

Object of the Terms

The Owner shall provide to the User educational financial training courses described on this Website.

In particular, the Services may concern:

- the training courses included in the Investing School and in The Wealth Gym programs, consisting of the specific modules, lessons and/or quizzes and further educational services detailed in the Cent Academy Page, which forms part of the present Terms by reference.

The User will have access to the Services in a dripped format, meaning one module will be released each Monday. This schedule is designed to allow the User ample time to work through the lessons, maintain motivation, and solidify understanding on a week-to-week basis.

However, if the User wishes to accelerate their progress, they have the option to unlock the next module immediately by completing a short quiz at the end of the current module. To advance ahead of schedule, the User must score a minimum threshold of correct answers on the quiz. This feature enables the User to customise their learning pace while ensuring comprehension and consistency throughout the course.

Characteristics of Services

The content provided on this Website and purchased by the User, including all educational materials, articles, webinars, podcasts, and other resources, is for general informational and educational purposes only. It is not intended as financial, legal, or professional advice and should not be taken as such. Cent of a Woman is committed to demystifying financial concepts and providing guidance but does not offer personalized financial advice or professional consultation. Users are encouraged to conduct their own research and due diligence and consult with professional advisors before making any financial decisions. Cent of a Woman does not guarantee the accuracy, relevance, timeliness, or completeness of any information on this website. Our services, including any money coaching or educational programs, do not constitute solicitation, recommendation, endorsement, or offer to buy or sell any financial instruments or other financial products nor to the promotion and offer of any investment service Cent of a Woman is not a licensed financial advisor, investment advisor, or financial planner, and our services are not intended to replace professional financial advice nor to provide any investment service.

Our Service is designed to provide a general overview regarding finance and investing. It is not designed to be a definitive investment guide or to take the place of advice from a qualified financial planner or other professional. Given the risk involved in investing of almost any kind, there is no guarantee that the investment methods suggested through the Service will be profitable.

Collaboration with Independent Financial Advisors

Cent of a Woman S.r.l. may, from time to time, introduce Users to independent, certified financial advisors (“Advisors”) for optional 1:1 consultations available exclusively to Investing School – Elite Path clients. These Advisors operate as independent service providers, not as employees, representatives, or agents of Cent of a Woman S.r.l. All advisory sessions are carried out autonomously and externally to this Website, under the full and exclusive responsibility of the respective Advisor. Cent of a Woman S.r.l. provides financial education only and does not offer personalized investment recommendations or financial advice as defined under MiFID II or other applicable financial legislation. Any discussion between a Student and an Advisor is governed by the laws and regulations of the Advisor’s jurisdiction, and by the Advisor’s professional license.

Students acknowledge that:

Cent of a Woman S.r.l. is not responsible for any actions, outcomes, or advice resulting from such interactions;

Advisors may only provide general, educational, or preparatory insights until a formal client–advisor engagement agreement (mandate) is signed;

The Advisor’s input does not constitute investment, tax, or legal advice provided by Cent of a Woman S.r.l.;

Any subsequent engagement between the Student and the Advisor is entirely independent of Cent of a Woman S.r.l.

This clause is designed to ensure full compliance with European financial regulations (including MiFID II) and to preserve the legal separation between educational and advisory services.

Use of paid courses, programs, and associated material

The Company grants the User a limited, personal, non-exclusive, non-transferable license to use our courses, programs, and associated material (collectively the “Courses”) for the User’s own personal or internal business use. Except as otherwise provided, the User acknowledges and agrees that the latter has no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Courses in any manner.

By ordering or participating in Courses, the User agrees that the Courses you purchase or download may only be used by the User itself for his/her personal or business use and may not be sold or redistributed without the express written consent of the Company.

By ordering or participating in Courses, the User further agrees that the latter shall not create any derivative work based upon the Courses and shall not offer any competing products or services based upon any information contained in the Courses.

Prohibited Commercial Use

Courses and content may not be used to create competing products or to train others in similar subject matter, whether for free or for commercial gain, unless prior written permission is granted by Cent of a Woman S.r.l. Any unauthorised reproduction, distribution, or commercial use of the Courses constitutes a violation of intellectual property rights and will be pursued as copyright infringement to the fullest extent permitted by applicable law.

Use of free downloadable content

The Company provides various resources on this Website, which Users may access by providing an e-mail address. The Company grants the User a limited, personal, non-exclusive, non-transferable license to use our resources provided (the “Freemium Content”) for his/her own personal use. Except as otherwise provided, the User acknowledges and agrees that the latter has no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Freemium Content in any manner.

By downloading the Freemium Content, you agree that the Freemium Content downloaded may only be used by the User for his/her personal use and may not be sold or redistributed without the express written consent of the Company.

By downloading the Freemium Content, the User further agrees that the latter shall not create any derivative work based upon the Freemium Content and shall not offer any competing products or services based upon any information contained in the Freemium Content.

Guests

The Company may, from time to time, provide information from a third party in the form of a podcast guest interview, interview on another platform, guest blog post, or other medium. The Company does not control the information provided by such third-party guests, is not responsible for investigating the truth of any information provided and cannot guarantee the veracity of any statements made by such guests.

User Content and Testimonials

By submitting any feedback, testimonial, comment, or content on community platforms hosted or managed by Cent of a Woman — including but not limited to Facebook groups, surveys, or email responses — the User grants the Owner a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, publish, and display such content for marketing, promotional, or educational purposes. This includes the right to use the User’s name, likeness, and submitted statements, unless the User explicitly objects in writing by contacting [email protected]

Usage of this Website and the Service is age restricted

By using this Website, Users confirm to meet the following requirements:

Users shall be recognized as adult by applicable law;

Users aren’t located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist-supporting” country;
Users aren’t listed on any U.S. Government list of prohibited or restricted parties;

Account registration

To use the Service Users may register or create a User account, providing all required data or information in a complete and truthful manner.

Users may also use the Service without registering or creating a User account, however, this may cause limited availability of certain features or functions.

Users are responsible for keeping their login credentials confidential and safe. For this reason, Users are also required to choose passwords that meet the highest standards of strength permitted by this Website.

By registering, Users agree to be fully responsible for all activities that occur under their username and password.

Users are required to immediately and unambiguously inform the Owner via the contact details indicated in this document, if they think their personal information, including but not limited to User accounts, access credentials or personal data, have been violated, unduly disclosed or stolen.

Account suspension and deletion

The Owner reserves the right, at its sole discretion, to suspend or delete at any time and without notice, User accounts in case:

violate laws, regulations and/or these Terms;
infringe any third-party rights;
considerably impair the Owner’s legitimate interests;
offend the Owner or any third party.

In such case, the Owner shall notify the User with regard to the suspension or deletion of the account, which shall have effect as soon as the communication is received by the User. In the event of suspension, it will last 15 days. Once the account has been reactivated, should the User perpetrate the conduct that led to the suspension, the Owner may decide to proceed with deletion.

The suspension of User accounts shall not entitle Users to any claims for compensation, damages, or reimbursement. Likewise, the deletion of User accounts shall not entitle Users to any claims for compensation or damages, except for the reimbursement of the price for the part of services not yet provided at the date of deletion.

The suspension of accounts due to causes attributable to the User does not exempt the User from paying any applicable fees or prices.

The Owner holds and reserves all intellectual property rights for any such content.

Users may not, therefore, use such content in any way that is not necessary or implicit in the proper use of the Service.

In particular, but without limitation, Users may not copy, download, share (beyond the limits set forth below), modify, translate, transform, publish, transmit, sell, sublicense, edit, transfer/assign to third parties or create derivative works from the content available on this Website, nor allow any third party to do so through the User or their device, even without the User's knowledge.

Where explicitly stated on this Website, the User may download, copy and/or share some content available through this Website for its sole personal and non-commercial use and provided that the copyright attributions and all the other attributions requested by the Owner are correctly implemented.

Any applicable statutory limitation or exception to copyright shall stay unaffected.

Access to external resources

Through this Website Users may have access to external resources provided by third parties. Users acknowledge and accept that the Owner has no control over such resources and is therefore not responsible for their content and availability.

Conditions applicable to any resources provided by third parties, including those applicable to any possible grant of rights in content, result from each such third parties’ terms and conditions or, in the absence of those, applicable statutory law.

In particular, on this Website Users may see advertisements provided by third parties. The Owner does not control or moderate the advertisements displayed via this Website. If Users click on any such advertisement, they will be interacting with any third party responsible for that advertisement.

The Owner is not responsible for any matters resulting from such interaction with third parties, such as anything resulting from visiting third-party websites or using third-party content.

Affiliate Disclosure

Some links on this Website may be affiliate links. This means that if the User chooses to make a purchase through these links, the Owner may earn a commission, at no additional cost to the User. These commissions help support the continued operation and content creation of the Website. The Owner only recommends products or services that are genuinely believed to be of value and may be used personally or professionally. Any such affiliate relationships do not influence the editorial content or product recommendations provided.

Provision of personal data

To access or receive some of the products provided via this Website as part of the Service, Users may be required to provide their personal data as indicated on this Website.

Data Retention

The Owner retains User data only for as long as necessary to fulfil the purposes for which it was collected, including providing access to purchased Services and complying with applicable legal and regulatory obligations.

Users may request the deletion of their account and any associated personal data at any time by contacting [email protected]. Such requests will be processed in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR).

Methods of payment

Payments may only be made by credit card, Stripe and Paypal

Communications relating to the payment and the data communicated by the user at the time the payment is made will be made on specially protected lines, in line with sector regulations and international standards.

The customer who decides to use bank transfer as a means of payment will receive an email with the complete order and the release of the reserved area when the bank transfer is credited.

In the event of a chargeback, payment reversal, or payment dispute initiated by the User, Cent of a Woman S.r.l. reserves the right to suspend access to all courses, programs, services, and digital content immediately, pending resolution of the dispute. Access to such content and services will remain suspended until the matter is fully resolved.

If the dispute is resolved in favor of the Owner, access may be reinstated at the Owner’s sole discretion. The Owner also reserves the right to permanently revoke access to the Services and to pursue the recovery of any outstanding amounts, including any fees or costs associated with the dispute process.

Payment in a lump sum or in instalments

The payment of the purchase price may be done in a lump sum or may be settled in monthly instalments for specific programs, within the deadlines specified on this Website or otherwise communicated by the Owner.

If the User fails to meet any of the payment deadlines, the User shall have 10 days to pay the amount due. Should the User fail to pay the instalment within the additional period of 10 days, the entire outstanding amount shall become immediately due and payable.

Delivery

Delivery of digital content

Unless otherwise stated, digital content purchased on this Website is delivered via download on the device(s) chosen by Users.

Users acknowledge and accept that in order to download and/or use the Courses, the intended device(s) and its respective software (including operating systems) shall be legal, commonly used, up-to-date, and consistent with current market-standards.

Users acknowledge and accept that the ability to download the purchased Product may be limited in time and space.

User rights

Right of withdrawal

The User acknowledges that the Owner may initiate the execution of the agreement set forth by the present Terms following the acceptance of the Terms thereof. Therefore, the User acknowledges that, by allowing the Owner to initiate the execution without waiting for the lapse of 14 days after subscription, he/she will lose the right of withdrawal from the Terms set forth by the Consumer Code.

Following the acceptance of the present Terms, the User accepts to receive a copy of the Terms thereof by electronic support, by means of which, the Owner will confirm the commencement of the execution of the agreement which determines the loss of the right of withdrawal.

All sales are final. Due to the digital nature of our products and immediate access to proprietary content upon purchase, we do not offer refunds, exchanges, or cancellations unless expressly stated in writing by Cent of a Woman Srl. By way of exception, Cent of a Woman S.r.l. offers, at its sole discretion, a 10-day satisfaction guarantee applicable exclusively to the “Investing School” program (the "Peace of Mind Guarantee"). This guarantee is subject to the following conditions:

The User must have completed at least the first two modules of the Wealth Gym within 10 (ten) calendar days from the date of purchase;
The User must have fully completed the associated workbooks and quizzes provided in said modules;
The User must submit a written refund request to [email protected] within the same 10-day period, including evidence of completed coursework and a brief explanation (maximum 200 words) outlining the reasons for dissatisfaction and expectations not met.

Refund requests that do not meet all the above conditions or are submitted after the 10-day period will not be accepted. This guarantee does not apply to any other products, services, programs, or promotions offered by the Owner.

Guarantees

Liability and indemnification

The Owner is not responsible for:

any actions taken or not taken based on the educative content provided by means of this Website and/or the Services. The User acknowledges and agrees that he/she is the solely responsible for any financial decisions and well-being. Cent of a Woman and its staff shall not be liable for any loss or damage incurred as a result of the use of the Website or reliance on any information provided herein. Investment involves risks, including the potential loss of principal. The Owner encourages Users to approach investment decisions with caution and consider their individual financial circumstances, goals, and risk tolerance.
any loss of business opportunities and any other loss, even indirect, that may be incurred by the User (such as, but not limited to, trading losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, etc.) as a consequence, direct or indirect, of its financial decisions;
damages or losses resulting from interruptions or malfunctions of this Website due to acts of force majeure, or unforeseen and unforeseeable events and, in any case, independent of the will and beyond the control of the Owner, such as, but not limited to, failures or disruptions of telephone or electrical lines, the Internet and / or other means of transmission, unavailability of websites, strikes, natural disasters, viruses, bugs, trojan horses and cyber attacks, interruptions in the delivery of products, third-party services or applications, conduct of any other User or third party;
any product or service advertised or offered by a third party through the Service or any hyperlinked website or service, and the Owner shall not be a party to or in any way monitor any transaction between Users and third-party providers of products or services.any product or service advertised or offered by a third party through the Service or any hyperlinked website or service, and the Owner shall not be a party to or in any way monitor any transaction between Users and third-party providers of products or services.

Notwithstanding the above, the following limitation applies to all Users not qualifying as Consumers: in any event of liability, not caused by intent or gross negligence, the compensation may not exceed the total payments that have been, will be or would be received by the Owner from the User based on the contract over a period of 12 months, or the period of the duration of the agreement, if shorter.

Indemnification

The User agrees to indemnify and hold the Owner and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners and employees harmless from and against any claim or demand — including but not limited to legal fees and costs — made by any third party due to or in relation with any violation of these Terms, third-party rights or statutory provisions, laws or regulations connected to the use of the Service carried out by the User or its affiliates, officers, directors, agents, co-branders, partners and employees to the extent allowed by applicable law. On this regard, the User agrees to indemnify and hold the Owner harmless in the limits of an amount equal to €100,000.

No Waiver

The Owner’s failure to assert any right or provision under these Terms shall not constitute a waiver of any such right or provision. No waiver shall be considered a further or continuing waiver of such term or any other term.

Service interruption

To ensure the best possible service level, the Owner reserves the right to interrupt the Service for maintenance, system updates or any other changes, informing the Users appropriately.

Within the limits of law, the Owner may also decide to suspend or discontinue the Service altogether. If the Service is discontinued, the Owner will cooperate with Users to enable them to withdraw Personal Data or information and will respect Users' rights relating to continued product use and/or compensation, as provided for by applicable law.

Additionally, the Service might not be available due to reasons outside the Owner’s reasonable control, such as “force majeure” events (infrastructural breakdowns or blackouts etc.).

Service reselling

Users may not reproduce, duplicate, copy, sell, resell or exploit any portion of this Website and of its Service without the Owner’s express prior written permission, granted either directly or through a legitimate reselling programme.

Privacy policy

To learn more about the use of their Personal Data, Users may refer to the privacy policy of this Website.

Intellectual property rights

Without prejudice to any more specific provision of these Terms, any intellectual property rights, such as copyrights, trademark rights, patent rights and design rights related to this Website are the exclusive property of the Owner or its licensors and are subject to the protection granted by applicable laws or international treaties relating to intellectual property.

All trademarks — nominal or figurative — and all other marks, trade names, service marks, word marks, illustrations, images, or logos appearing in connection with this Website are, and remain, the exclusive property of the Owner or its licensors and are subject to the protection granted by applicable laws or international treaties related to intellectual property.

Assignment of contract

The Owner reserves the right to transfer, assign, dispose of by novation, or subcontract any or all rights or obligations under these Terms, taking the User’s legitimate interests into account.

Users may not assign or transfer their rights or obligations under these Terms in any way, without the written permission of the Owner.

Modifications

The Owner reserves the right to change, modify, add or delete portions of the Terms and the Privacy Policy should there be a good cause as changes resulting from:
- regulatory compliance requirements brought resulting from subsequent legislative interventions;
- operational and/or organisational needs of the Owner.
Such changes will be duly notified to the User.

The Owner may at any time modify the Courses and/or Services so as to maintain their compliance with these Terms. In case the Owner intends to make changes to the Courses and/or Services beyond those necessary to maintain compliance with these Terms, the Owner shall notify the User. Only if such changes adversely affect the use of or access to the Courses and/or Services, the User may withdraw from the agreement within 30 days from the date of receipt of information about the change or, if subsequent, from the date on which the Courses and/or Services were changed by the Owner.

Contacts

All communications relating to the use of this Website shall be sent using the contact information stated in this document.

Severability

Should any provision of these Terms be deemed or become invalid or unenforceable under applicable law, the invalidity or unenforceability of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect.In such case, the parties shall do their best to find, in an amicable way, an agreement on valid and enforceable provisions thereby substituting the void, invalid or unenforceable parts.

Duration

The provision of the Services, and thus the subjection to these Terms, shall terminate upon completion by the User of the Courses.

Language

Notwithstanding the use of the English language in connection with these contractual conditions, the Owner undertakes to communicate, subject to agreement with the User, in the Italian language if the User is resident in Italy or, alternatively, in the English language.

Governing law

These Terms are governed by the Italian law.

Venue of jurisdiction

The exclusive competence to decide on any controversy resulting from or connected to these Terms lies with the courts of the place where the Client acting as a consumer is based. Otherwise, the court of Milan shall have jurisdiction.

Dispute resolution

Amicable dispute resolution

Users may bring any disputes to the Owner who will try to resolve them amicably.

While Users’ right to take legal action shall always remain unaffected, in the event of any controversy regarding the use of this Website or the Service, Users are kindly asked to contact the Owner at the contact details provided in this document.

The User may submit the complaint including a brief description and if applicable, the details of the related order, purchase, or account, to the Owner’s email address specified in this document.

The Owner will process the complaint without undue delay and within 15 days of receiving it.

Online dispute resolution for Consumers

The European Commission has established an online platform for alternative dispute resolutions that facilitates an out-of-court method for solving disputes related to and stemming from online sale and service contracts.

As a result, any European Consumer or Consumer based in Norway, Iceland, or Liechtenstein may use such a platform in order to be informed about the resolution of disputes stemming from contracts which have been entered into online. The platform is available at the following link.

Terms and Conditions

Investing Made Simple for European Women