Member Terms and Conditions

1. Who we are and how these terms apply

PATHFINDER is provided by PATHFINDER - the way out SARL [PROPOSED COMPANY - INCORPORATION PENDING], trading as PATHFINDER | the way out, with registered office at 201 rte de Razac D'Eymet, Fonroque, 24500, France. Proposed Share capital: €1000 Registration: [RCS CITY AND NUMBER; SIREN/SIRET ON INCORPORATION]. In these terms, “we”, “us” and “PATHFINDER” mean that trader.

You can contact us at [email protected].

These terms cover our website, pathfinderthewayout.com, and the self-directed courses, Levels, Community access, downloads and other services described in your order. A separately booked event or individual coaching service is included only where its description expressly says so, and may have additional terms supplied before booking.

Before you pay, you can review your order, correct errors and read these terms. Your purchase contract is formed when we confirm acceptance of your order by email. We will provide a copy of the applicable terms and order details in a form you can save.

The product description and information supplied before purchase form part of your agreement. Nothing in these terms takes away rights that the law gives you and does not allow us to exclude.

2. The purpose and limits of PATHFINDER

PATHFINDER is an educational and personal-development programme. It brings together work on emotional recovery, relationships, nervous-system regulation, physical wellbeing, practical agency, meaning and personal growth. It draws on research, lived experience, psychological models and philosophical and spiritual traditions, including Jungian ideas and the Hawkins framework.

These frameworks support learning and reflection. They are not clinical assessments, measurements of your worth, or a requirement to accept a particular belief. You remain free to question an idea, disagree with it, choose another approach or leave material that is not useful to you.

The self-directed programme does not provide individual therapy, counselling, diagnosis, prescribed treatment, legal representation or a clinical care service. It does not include individual coaching unless that service is expressly included in your purchase. Stewart's educational guidance draws on lived experience, research and study; it is not offered as the work of a licensed doctor or clinician.

We aim to explain conventional, complementary and alternative ideas honestly, including their evidence, limitations and material risks. We do not promise a cure, a particular recovery, reconciliation, financial result or other outcome. Information about a treatment or practice is not an individual recommendation that it is suitable for you.

You decide how to use the material and what help to seek. Consider your circumstances, capacity and the stated precautions. Do not use a lesson as a reason to stop prescribed medication abruptly or to delay urgent assessment. Individual treatment, legal and safety decisions may require suitably qualified, case-specific assistance.

If there is immediate danger, a medical emergency or an immediate risk of serious harm to you or another person, contact local emergency services. For abuse, stalking or unsafe separation, seek individual specialist risk assessment and safety planning. Our Community, messages and educational materials are not emergency services and are not continuously monitored. The PATHFINDER - Getting Help resource provides further signposting.

These limits explain what we provide. They do not remove our responsibility for supplying the service we promised or meeting our legal obligations.

3. Eligibility

Membership and purchases are for adults aged 18 or over who can lawfully enter into the agreement. You may register and participate under a pseudonym, particularly where this protects your privacy or safety. You do not have to disclose your legal name to other members. Where accurate identity, billing or payment information is reasonably required to process a purchase, pay referral commission or meet a legal obligation, provide it privately through the appropriate secure process. Such information must not be false or misleading.

A parent, carer or supporter joins in their own capacity. Membership does not authorise them to give another person a diagnosis, direct treatment, or disregard that person's rights, capacity or safety.

Access to a particular Community or service depends on the entitlement described in your purchase. Any additional eligibility restriction must be explained before you buy it.

4. Your account

Your account is personal. Do not share, sell or transfer your login or allow another person to use your access.

Keep your password secure, keep your details current, and tell us promptly if you suspect unauthorised access. You are responsible for your own conduct and for taking reasonable steps to protect your account. You are not automatically responsible for activity caused by a security failure for which you are not responsible.

We may request proportionate verification where reasonably needed to prevent fraud or protect an account. Account restrictions and closure are governed by section 19.

5. Levels, lifetime access and downloads

Level 0 - Discovery is the free introduction. Paid Levels are separate course offerings; modules and lessons sit within them. You may purchase the Levels or bundles offered at the time of your order.

Your purchase gives you access to the purchased lessons and materials for your lifetime. “Lifetime” means your lifetime as the original purchasing member. The entitlement is personal and non-transferable. It is not measured by the life of our current website or hosting platform. A lawful cancellation or termination of the affected purchase may end access, subject to sections 8, 14 and 19 and your statutory rights.

Community access is separate. Its inclusion and duration must be stated in your order before payment. Access to purchased lessons and materials does not depend on continuing Community membership.

Your order will identify:

• the Level or Levels, lessons, materials and other services included;
• whether Community access is included and, if so, its duration;
• what is available immediately and any agreed release dates;
• any prerequisites or other access conditions;
• the format, language and relevant technical requirements, including any download or device restrictions.

A purchase of one Level does not automatically purchase later Levels. Material described only as planned, coming soon or available by waitlist is not included unless we expressly commit to supplying it in your order.

Within the access you have purchased, suggested learning routes help you choose where to start and what to explore next. They do not require you to disclose personal experiences or prove emotional progress. Any actual staged-release restriction must be stated in the product description.

We grant you a personal, non-exclusive, non-transferable licence to use the purchased material privately for the agreed lifetime period. Where a download is expressly offered, you may keep and use your downloaded copy for personal study, subject to section 12 and any lawful cancellation of the underlying purchase.

We may correct errors and make updates for accuracy, safety, accessibility, security or technical compatibility. If we change hosting arrangements, we remain responsible for the access promised. Changes must comply with section 18 and applicable law; they do not give us an unrestricted right to remove what you paid for.

6. Community participation

Where Community access is included in your purchase, it is part of the service supplied for the stated period, subject to reasonable conduct and safety rules.

Communities are organised around the relevant Level. Particular journeys or experiences may be discussed within them; membership does not promise a separate group for each condition or journey.

Participation is encouraged and voluntary. You can choose whether to contribute, what to say and how much to disclose. Access does not depend on publishing your story, providing a testimonial, referring other members or agreeing with PATHFINDER.

Community discussion is peer support and shared learning. It is not private therapy, individual medical or legal advice, safeguarding assessment or a place to manage an emergency. Other members' contributions are their own and are not automatically endorsed by us.

We require members to respect confidentiality, but cannot guarantee that another participant will never copy or disclose something. Avoid information that could identify children, expose another member, reveal a location or safety plan, or compromise an active legal matter. If your device or account may be monitored, consider what is safe to access or share and seek specialist advice where needed.

Section 10 sets out the conduct rules; section 19 explains moderation and restrictions.

7. Prices and payment

Prices are shown in euros unless another currency is expressly displayed. Before you pay, checkout will show the total price, applicable taxes and any unavoidable charges.

Paid Levels are one-off purchases: you pay the stated price once for the purchased lessons and materials. Buying a Level does not authorise recurring charges or charges for another Level.

Payments are handled through the payment providers shown at checkout. We do not store your full payment-card details. We will not charge for additional Levels or services without your agreement.

For the refund promise and referral eligibility described below, a payment has “cleared” when the payment provider confirms that it has been successfully received and is available to PATHFINDER, rather than merely authorised or pending. We will confirm the clearance date and time and the end of the applicable 48-hour refund window in a message you can save.

If a payment fails, we will contact you and provide a reasonable opportunity to resolve it before restricting access, unless fraud or an immediate security issue requires earlier action. Price changes apply to future purchases and do not increase an agreed price retrospectively.

8. Withdrawal, cancellation and refunds

Your legal rights

Free Discovery access does not reduce your consumer rights when you later purchase paid content. A discount does not remove those rights either.

Where the statutory distance-contract withdrawal right applies, you normally have 14 days from conclusion of the contract to withdraw without giving a reason. You can notify us at [email protected] or our postal address using any clear statement. Schedule B provides a form you may use, but do not have to use. Any legally required online withdrawal facility will also be available.

For paid digital content supplied without a physical medium, early supply may end that withdrawal right only when the legal conditions are met. Before supply starts, we must obtain your express consent to early supply and your acknowledgement that you will lose the right once supply begins, and provide the required confirmation in a form you can save. Merely accepting general terms, creating an account or having access enabled is not a substitute for that process.

Community access, coaching or another service may have different rules. Starting a service does not automatically remove all withdrawal rights. Where you expressly request early performance and law permits it, an amount proportionate to the service actually supplied may be payable if you withdraw. Loss of the withdrawal right on full performance requires the applicable consent and acknowledgement. A digital-content acknowledgement does not waive rights relating to every other part of a mixed purchase.

Where a valid statutory withdrawal requires a refund, we will refund within the applicable legal deadline, normally 14 days after receiving your notice, using the original payment method unless you agree otherwise, without a refund fee.

Our additional 48-hour new-member refund promise

You may cancel your first paid PATHFINDER purchase within 48 hours after its payment clears and receive a full refund, even if you have accessed the lessons or materials. You do not have to give a reason. Email [email protected] or send another clear cancellation notice within that period. Access to the refunded purchase will end.

We will make the refund within 14 days after receiving your notice, using the original payment method unless you agree otherwise, without a refund fee. This promise applies to the whole first paid purchase, including a bundle purchased in that transaction. It is additional to statutory withdrawal and other consumer rights; it does not shorten or replace them.

For later purchases, there is no additional general change-of-mind guarantee unless the offer expressly provides one. Rights concerning faulty, missing or misdescribed content, statutory withdrawal and other mandatory remedies remain unaffected.

A refund may require a corresponding correction to referral commission under Schedule A. Your refund will not be reduced merely because we have paid an affiliate.

9. The PATHFINDER referral facility

Every paying PATHFINDER member is entitled to use the referral facility when their payment clears. There is no separate application or discretionary selection process. We provide access instructions for the Affiliate Portal, where your personal referral link and affiliate information are available. Technical account activation and payment verification may be needed.

Using the facility is entirely optional. If PATHFINDER has been valuable to you and you wish to help others discover it, you can share your personal link or an authorised personal affiliate coupon.

The commission rate is 25% of eligible net income. It can apply to both first and later Level purchases, but each purchase must qualify under the attribution rules in Schedule A. Registering through a link does not permanently assign a member's future purchases to that referrer.

An affiliate must describe the programme honestly, disclose the financial relationship and let the other person decide freely. Being an affiliate does not make you our employee, a clinician, or someone authorised to make promises or enter into contracts on our behalf.

There are no guaranteed earnings. Commission depends on actual eligible purchases. Membership is not conditional on making referrals, and no particular number of referrals is guaranteed to recover your purchase cost.

10. Acceptable use and Community conduct

Use the Services honestly and with respect for others. You must not:

• harass, threaten, stalk, intimidate or abuse another person;
• publish unlawful material, identifying allegations, or another person's private information without a lawful basis;
• disclose children's identifying information, confidential Community material, private messages or another member's story without appropriate permission;
• diagnose another member or an absent person, prescribe treatment, pressure someone to change medication, or present Community discussion as individual professional advice;
• use claimed qualifications to turn the Community into an unapproved clinical, legal or commercial service;
• make misleading cure claims, promise guaranteed outcomes or earnings, or promote products through fear or pressure;
• scrape member details, send spam, or exploit another person's disclosure or crisis as a sales lead;
• pretend to be another identifiable person, create accounts for fraud, interfere with security or bypass access restrictions. You may use a pseudonym and a non-identifying profile to protect your privacy or safety; doing so is not impersonation or fraud.
• redistribute paid content or use the Services unlawfully.

You may describe your own experience, discuss claims about treatment and recovery frankly, ask questions, challenge ideas and criticise PATHFINDER in good faith. Disagreement and a lawful complaint are not themselves misconduct. We assess conduct and safety, not whether a member agrees with us.

Commercial posts and referral promotions within the Community require our prior agreement and must comply with the relevant Community rules. External promotion must also follow Schedule A.

11. Your contributions and testimonials

You retain ownership of content you create and share. You grant us only the permission reasonably needed to store, display, transmit and moderate that content in the service and audience for which you submitted it. Our service providers may process it on our behalf for those purposes under appropriate arrangements.

A Community post is not permission to turn your experience into marketing. Before using your name, image, words or story in public promotion, we will seek specific, separate permission explaining the proposed use. Refusing does not affect your membership.

Where promotional use relies on your consent, you may withdraw it by contacting us. We will stop new uses and take reasonable steps to remove material we control, subject to applicable law and any clearly explained practical limits on material already distributed. Withdrawal does not make earlier lawful processing unlawful.

Deletion, retention and any necessary legal records are explained in our Privacy Policy. We will not treat this content licence as a waiver of data-protection rights.

12. Intellectual property

PATHFINDER materials, branding and original course design are owned by us or used with permission. Your purchase grants personal access, not ownership of those rights.

You may not sell, redistribute, publicly reproduce or adapt our materials for a competing or commercial service without permission, except where the law allows it. You may use authorised referral materials and links within the permission granted for that purpose. Do not alter them to imply an endorsement, qualification or promise we have not given.

Nothing here restricts lawful quotation, criticism, reporting to an authority or another use protected by law.

13. External resources and commercial disclosures

We may refer to external books, websites, practitioners and other resources. A reference is an invitation to investigate, not an endorsement of every claim made by that source or a guarantee that it suits your circumstances.

External providers are responsible for their own offerings and terms. We remain responsible for our own statements and any obligations the law places on us when recommending or arranging a service.

Where we may earn commission from an external recommendation, we will disclose that relationship near the recommendation. Our external affiliate arrangements are separate from the member referral facility in Schedule A.

14. Service standards and outcomes

We will supply the Services with the care and standards required by law and in accordance with the contract. We aim to keep educational information accurate and to correct material errors brought to our attention.

We do not guarantee a particular personal, emotional, medical, relationship, spiritual or financial result. People differ in circumstances, capacity and response. Lack of a particular personal outcome does not by itself mean the educational service is defective; equally, this statement does not excuse a failure to supply what was promised.

Internet and platform services may occasionally be interrupted. We will take reasonable steps to address problems within our control and tell you about material disruption. Contact us if you cannot access a purchased service.

You retain applicable legal rights when digital content or a service is not supplied, does not conform to the contract or otherwise fails to meet required standards. Remedies may include bringing it into conformity, a price reduction or ending the affected contract with a refund, as the law provides.

The lifetime supply commitment for purchased lessons and materials is set out in section 5. The following guarantee information concerns that continuing supply. Other services retain their applicable statutory guarantees.

Statutory guarantees for purchased digital lessons and materials

English explanation of the French statutory information below.

You are entitled to the statutory guarantee of conformity for defects that appear from the start of supply throughout your lifetime as the original purchasing member. During this period, you need establish only that the defect exists, not when it first appeared.

The statutory guarantee of conformity requires us to provide all updates necessary to maintain the conformity of the digital content or digital service throughout that lifetime supply period.

You are entitled to have the digital content or digital service brought into conformity without unjustified delay following your request, free of charge and without significant inconvenience to you.

You may obtain a price reduction while retaining the digital content or digital service, or terminate the contract and obtain a full refund in exchange for giving up the digital content or digital service, if:

• 1. We refuse to bring it into conformity;
• 2. Bringing it into conformity is unjustifiably delayed;
• 3. It cannot be brought into conformity without charging you;
• 4. Bringing it into conformity causes you significant inconvenience; or
• 5. The lack of conformity persists despite our unsuccessful attempt to correct it.

You are also entitled to a price reduction or termination where the defect is sufficiently serious to justify an immediate remedy. In that case, you do not have to request that the content or service first be brought into conformity.

Where the defect is minor, you are entitled to terminate the contract only if the contract does not require payment of a price.

Any period during which the digital content or digital service is unavailable while being brought into conformity suspends the remaining guarantee period until conforming content or service is supplied again.

These rights arise under Articles L.224-25-1 to L.224-25-31 of the French Consumer Code.

A trader who obstructs the statutory guarantee of conformity in bad faith may incur a civil fine of up to €300,000, which may be increased to 10% of average annual turnover under Article L.242-18-1 of the French Consumer Code.

You also benefit from the statutory guarantee against hidden defects under Articles 1641 to 1649 of the French Civil Code, for two years from discovery of the defect. This guarantee entitles you to a price reduction if you retain the digital content or digital service, or a full refund in exchange for giving it up.

To report a problem or exercise these rights, contact [email protected].

15. Responsibility and liability

Each party remains responsible for its own conduct and legal obligations.

Nothing in these terms excludes or limits liability where the law does not permit that, including liability for fraud, death or personal injury caused by negligence, and mandatory consumer rights to compensation or other remedies.

Consumers retain their applicable rights to compensation and other remedies. Responsibility for a particular loss will be assessed under the applicable law, including the connection between the breach and the loss.

16. Misuse and losses

If you misuse the Services or breach these terms, we may use the proportionate remedies described here and those available under law. We may seek recovery of losses only where there is a lawful basis and appropriate evidence.

There is no automatic obligation to reimburse every loss, third-party claim or legal cost asserted by PATHFINDER. You remain entitled to dispute a claim and seek independent advice.

17. Privacy and data protection

Our Privacy Policy is available at https://www.pathfinderthewayout.com/privacy-policy and our Cookie Policy at https://www.pathfinderthewayout.com/cookie-policy

Those policies explain the purposes and legal bases for processing, who receives information, retention, international transfers where applicable, and how to exercise your rights or raise a complaint. They cover our use of Kajabi, payment providers, Community features and referral records.

Agreement to these terms is not blanket consent to marketing, optional tracking, use of sensitive disclosures or publication of testimonials. Where separate consent is required, we will request it separately.

Referral information is used to attribute and administer commission. Affiliates are not entitled to another member's private Community contributions, health information or learning activity. Any transaction information displayed must be limited to what is necessary and explained in the Privacy Policy.

18. Changes to services and terms

We may make changes for a genuine reason, such as a legal requirement, security, technical compatibility, correcting an error or improving the service. Changes must comply with the contract and applicable law.

We will explain material changes affecting an existing service in advance, in a form you can save, including when they take effect and any right to refuse the change, cancel or obtain a refund. Necessary urgent security or legal action may require shorter notice, with an explanation as soon as practicable.

We will not rely merely on continued use of the website to impose a new charge, remove an accrued right or materially reduce an existing purchase. Where your express agreement is needed, we will obtain it. Statutory rights concerning changes to digital content and services remain available.

The terms shown for a new purchase apply to that purchase. Affiliate changes and existing referral relationships require the specific treatment in Schedule A.

19. Moderation, suspension and ending access

We may remove content or restrict access where reasonably necessary to address a breach, fraud, security incident, legal obligation, material risk or abuse of another member. Action should be proportionate: where practical, a problem in Community access should not unnecessarily remove access to paid learning material.

Unless immediate action is needed, we will explain the issue and give you a reasonable opportunity to respond or correct it. We may act immediately for serious abuse, fraud, a legal requirement or an urgent safety or security risk. We will explain the action unless doing so would be unlawful or compromise a person's safety or a legitimate investigation.

You can request a review by contacting [email protected]. We will consider the information you provide and explain our decision.

Closing your account does not by itself erase a statutory refund right, a lawful outstanding payment obligation or commission already earned. We will explain the consequences before processing a voluntary closure that would affect access to purchased materials. We will explain the effect on access, payments and data. Any refund, retention or recovery of money must have a contractual and lawful basis; suspension does not automatically mean forfeiture of everything paid or earned.

20. Complaints, mediation and governing law

If something is wrong, contact [email protected] with sufficient information for us to investigate. We will acknowledge your complaint and seek a practical resolution. You do not have to waive any legal deadline or remedy while we discuss it.

For eligible consumer disputes unresolved after a written complaint to us, you may use our appointed consumer mediator:

[INSERT THE MEDIATOR DETAILS AND REFERRAL TERMS PROVIDED UNDER THE SIGNED MEDIATION AGREEMENT. Suggested provider and ready-to-complete details are in the accompanying Review and Implementation Note; appointment is not yet confirmed.]

Mediation does not remove your right to seek a remedy through the courts.

French law governs the agreement. If you are a consumer, this choice does not deprive you of mandatory protections available under applicable law in your country of habitual residence. It does not remove any right you have to bring proceedings in a competent court, including your local courts where the law permits.

21. General provisions

Your agreement consists of these terms, the relevant schedules and the product and order information supplied before purchase. A specific variation must be made clear and agreed; it cannot remove mandatory rights. Nothing excludes reliance on a statement or promise that the law makes binding.

The Privacy Policy explains data processing; incorporating a reference to it does not turn every processing activity into something to which you have consented.

If part of the agreement is unenforceable, the remaining provisions continue where they can lawfully do so. A failure to enforce a term on one occasion does not automatically waive it for the future.

We may transfer the agreement with our business only in a way that respects your rights and does not reduce the protections or service you purchased. We will notify you where required. You may not transfer your personal account without our agreement, except where the law provides otherwise.

22. Contact

Email: [email protected].

Postal address: 201 rte de Razac D'Eymet, Fonroque, 24500, France.

Schedule A - PATHFINDER referral programme

A1. Eligibility and voluntary participation

Eligibility begins when your first paid purchase clears. Participation is optional, with no separate application or discretionary selection. We provide the instructions needed to activate and use your Affiliate Portal. You must keep the account and payment information reasonably required for lawful administration accurate.

You do not need to keep buying Levels to remain eligible. Ending Community access does not end referral eligibility while you retain a qualifying paid Level purchase.

If all your paid Level purchases are fully refunded or finally reversed, eligibility to earn commission on new purchases ends from that point. Closing your affiliate account also ends eligibility for new purchases. Properly earned commission from earlier qualifying purchases remains payable, subject to A7 and any lawful, transaction-specific fraud correction. We will explain the effect of a closure or refund on your referral facility.

A2. Eligible purchases and the referral discount

Commission is 25% of eligible net income from a purchase attributed to you under A4. Both a new member's first purchase and a member's later Level purchases can qualify. The programme rewards direct referrals; you do not receive commission on purchases made by people whom your referred member goes on to refer.

Referred purchasers receive a 10% discount on eligible paid Level purchases when they apply a valid referral discount at checkout. They may use it again for later eligible Levels; it is not restricted to their first purchase. Following a share link does not by itself guarantee that a discount has been applied. The discount must appear in the checkout total before payment. Contact us if an advertised eligible discount is missing.

A3. Net income and calculation

Commission = 25% × eligible net income.

Net income means the money PATHFINDER actually collects for an eligible purchase after discounts, less VAT or equivalent sales tax included in that amount and any refunded or reversed amount. No amount is deducted twice. Ordinary platform, advertising, administration and card-processing costs are borne by PATHFINDER and do not reduce the calculation.

For example, €100 of eligible net income produces €25 commission. If eligible net income is €50, commission is €12.50. These are calculation examples, not advertised prices or earnings promises.

A4. Link tracking, coupon priority and corrections

A purchase can be attributed to you when the purchaser follows your referral link and buys an eligible offer within 90 days. Your link must be the most recent affiliate link they followed before that purchase. Each visit through an affiliate link starts a fresh 90-day tracking period for that affiliate.

A valid personal affiliate coupon used at checkout takes priority: the purchase is attributed to the affiliate associated with that coupon, regardless of the earlier share link. Registering an account does not reserve future purchases for the first referrer.

We use Kajabi's standard affiliate mechanism with the settings selected for this programme. We do not control its underlying software. Browser settings, cookie consent, deleted cookies and changes of device can affect automatic tracking.

If you believe attribution is missing or incorrect, contact [email protected] with the relevant transaction and referral details. We will review available evidence and make corrections reasonably required under these terms. Platform limitations do not remove our obligation to pay commission properly due. A9 governs changes to the mechanism.

A5. Later Level purchases

Every separate Level purchase must qualify under A4. The original referrer can earn commission on a purchase years later if that purchase qualifies through a current link or valid personal affiliate coupon. Another affiliate may receive the commission if their link or coupon qualifies instead.

There is no fixed one-year entitlement or cut-off measured from registration, and no permanent reservation of a member's purchases. The same 25% calculation applies to eligible later purchases.

A6. Payment, records and payment problems

Commission is paid in money through PayPal to your nominated PayPal account. It is not returned to the card or other method you used to buy your own membership. Supply a valid PayPal email address, complete required verification and keep your details accurate.

We process eligible commissions weekly in euros every Wednesday. The clearance date for a commission is seven calendar days after the latest of:

• clearance of the payment for the referred purchase;
• the end of any voluntary refund period applying to that purchase; and
• the end of any statutory withdrawal period that still applies to that purchase.

Where a statutory withdrawal right has validly ended through the required early-supply process, we do not add a further 14-day withdrawal period for that content. A different right applying to another part of the purchase must still be respected. For a new member's first paid purchase, our voluntary refund period is the 48 hours specified in section 8.

We pay on the first scheduled weekly payout date after the commission clearance date, provided the payment has cleared and there is no unresolved refund request or payment dispute affecting that commission. We hold only the affected amount while a relevant dispute is investigated and explain the outcome.

PATHFINDER imposes no minimum commission balance. An amount below PayPal's applicable technical payout minimum remains owed and carries forward. PayPal processing times, receiving-account charges and currency conversion may affect when funds arrive and the amount available in your chosen account currency.

Your Affiliate Portal shows recorded commission earnings and referred purchases. It is not necessarily a complete record of every adjustment or payment. Contact us for an explanation of a calculation, correction or payment; we will provide the relevant details. If a payment fails, the amount remains owed. We will notify you of any action needed and arrange another attempt once the problem is resolved.

You are responsible for registration, declarations and taxes legally due on your earnings. We remain responsible for our own reporting and legally required withholding, which we will explain. Where an invoice is legally required, we will tell you what information is needed. Any self-billing arrangement requires a separate agreement where the law requires one.

A7. Refunds, reversals and disputes

No commission is payable on money never collected or subsequently refunded or finally reversed. A partial refund produces only the corresponding commission adjustment. If the platform records a partial refund as a full cancellation of commission, we will reconcile the record so that commission properly due on the retained eligible net income is preserved.

If commission has already been paid, we will explain the affected transaction and calculation before seeking repayment or deducting the supported amount from a later payment. A disputed transaction does not automatically cancel unrelated commission. You may challenge a calculation or attribution by contacting us.

A8. Honest promotion

When promoting PATHFINDER with a financial interest, please make that relationship clear before someone acts on the recommendation. Use an obvious advertising disclosure where required; do not rely on a profile biography or a hidden footnote.

For example: “Ad - I am a PATHFINDER member and receive commission if you purchase through this link.” Adapt the disclosure to the medium and applicable local rules.

Speak truthfully about your experience. Do not invent testimonials, imply guaranteed recovery or earnings, promise treatment or cure, diagnose someone, or suggest that joining is necessary for their safety or health. Do not pressure a person in crisis or use sensitive personal disclosures to target them commercially.

Follow the rules of the forum or platform you use. Obtain the permission required for direct marketing and respect opt-outs. A public request for information does not automatically permit unrelated marketing or repeated private messages.

Do not impersonate PATHFINDER, make commitments on our behalf, misuse our branding, create fraudulent referrals or manipulate tracking. Self-referrals and duplicate accounts created to claim a reward are not eligible. Use only promotional materials you have permission to use. Any additional restrictions on paid advertising or promotional channels must be explained before they apply.

There are no sales quotas or earnings guarantees. Introductions should arise from an honest belief that the programme may be useful to the other person.

A9. Changes, suspension and programme closure

We may investigate suspected fraud, tracking abuse or material breaches proportionately. We will explain the issue where lawful and offer a review. Temporary restrictions must be limited to what is reasonably necessary. We may end participation for an established serious breach, but that does not automatically forfeit unrelated commission properly earned.

We will normally give at least 30 days' advance notice, in a form you can save, of a material programme change or closure. An urgent legal or security requirement may require shorter notice, with an explanation as soon as reasonably possible. Changes cannot retrospectively reduce commission already earned.

For a qualifying share-link visit recorded before the change or closure takes effect, the previous rate and eligibility rules will continue for the remaining part of that visit's 90-day window, subject to a later qualifying link or coupon taking attribution under A4. A new link visit after the effective date does not renew the old terms. Notice will explain when coupons cease to qualify for new purchases; completed qualifying purchases remain protected.

Any existing contractual right that gives greater protection remains effective. Programme closure does not cancel outstanding payment obligations.

A10. Earlier referrals and transition

This schedule applies from the effective date stated above, subject to A9 and any binding earlier agreement. We will honour valid commission, credits and other referral rights already accrued under earlier terms or individual promises. We will explain any proposed transition affecting those rights and obtain agreement where required. We will not silently replace an existing entitlement by changing this web page.

We will reconcile any overlap in rewards for the same purchase against the actual earlier agreement. This does not authorise cancellation of two distinct rewards that were expressly promised.

Schedule B - Withdrawal notice

Complete and send this only if you wish to withdraw from a contract and have a right to do so. You may instead use any other clear statement or an available online facility.

You do not need to cancel anything simply because you decide not to buy another Level. Each Level is a separate, one-off purchase. You can stop progressing at any time and retain lifetime access to the lessons and materials you have already purchased.

This form is for cancelling a purchase you have already made under an applicable statutory withdrawal right. You may also use it to request a refund under our additional 48-hour first-purchase promise, explained in section 8.

Using this form is optional. You can instead email [email protected], clearly identifying the purchase you wish to cancel. You do not have to give a reason. Simply stopping use of the programme does not notify us that you want a purchase cancelled or refunded.

If content is unavailable, faulty or not as described, contact us directly. Your rights under section 14 do not depend on completing this form.

To: PATHFINDER - the way out SARL [INCORPORATION PENDING], trading as PATHFINDER | the way out, 201 rte de Razac D'Eymet, Fonroque, 24500, France; [email protected].

I/We (*) give notice that I/We (*) withdraw from my/our (*) contract for the following content or service:

Content/service and order reference: ____________________

Ordered on / contract concluded on: ____________________

Name: ____________________

Address: ____________________

Account email, if useful for locating the order: ____________________

Date: ____________________

Signature, only if sent on paper: ____________________

(*) Delete as appropriate.