IMPORTANT: PLEASE READ CAREFULLY BEFORE PROCEEDING
These Terms & Conditions ("Agreement") form a legally binding contract between you ("Member") and Portfolio Global Pte. Ltd. ("we", "us", "our", "the Company"). By ticking the acknowledgement box and completing enrolment in the INVEST Program ("Program"), you confirm that you have read, understood, and agreed to be bound by this Agreement in full. This Agreement supersedes any prior agreement between the parties.
1.1 These terms govern your membership in the INVEST Program, operated by Portfolio Global Pte. Ltd. References to "Todd", "Todd Polke", or "the Founder" refer to Todd Polke acting in his capacity as a representative of the Company.
1.2 The INVEST Program is a structured 12-month investment education and membership program comprising the 90-Day Deal Sprint (Months 1 to 3), the INVEST Boardroom (Months 4 to 12), the Wealth Operating System (WOS) and its proprietary tools, the Deal & Finance Clinic, the Deal Access Network, the Expert Network, and the Annual 3-Day Intensive. The Program is delivered via live calls, a private member portal, proprietary tools, and in-person events.
2.1 Enrolment is subject to application and approval by the Company, which reserves the right to accept or decline any application at its sole discretion without obligation to provide reasons.
2.2 Your enrolment is confirmed only upon: (a) approval of your application; (b) acceptance of this Agreement; and (c) receipt of your initial payment in cleared funds.
3.1 The Program fee is USD $9,997, payable in full at enrolment (the "Annual Plan"). Alternatively, Members may elect the Monthly Plan at USD $997 per month for 12 consecutive months. All fees are quoted in United States Dollars (USD). Currency conversion costs are your sole responsibility.
3.2 Payment is accepted by credit or debit card via the Company's nominated payment processor. By enrolling, you authorise the Company to charge your nominated card for all amounts due under this Agreement.
3.3 The Monthly Plan is a 12-month financial commitment, not a month-to-month subscription. Except where you validly exercise the Day-90 Checkpoint under clause 11, cancelling participation mid-term does not extinguish your obligation to pay the remaining instalments. If a monthly payment is not received within 5 days of its due date:
(a) access to the Program (including all calls, tools, portal, and content) will be suspended immediately;
(b) the Company reserves the right to terminate membership and all remaining instalments become immediately due and payable; and
(c) amounts paid to date are forfeited and non-refundable.
3.4 Renewal and cancellation after the minimum term. After the initial 12-month minimum term, your membership continues on a rolling month-to-month basis. You may cancel at any time after the minimum term by giving 30 days' written notice. Your membership and billing continue through the 30-day notice period, after which they cease and no further amounts are payable.
4.1 All fees are non-refundable once enrolment is confirmed and access is granted. There is no cooling-off period. You acknowledge that access to proprietary materials, tools, and the member portal commences immediately upon enrolment. The sole exceptions are the Day-90 Checkpoint (clause 11) and the Deal-Ready Guarantee (clause 12).
4.2 Save as set out in clauses 11 and 12, the Company will not issue refunds on the basis of change of circumstances, dissatisfaction with investment outcomes, or non-engagement with the Program.
5.1 To receive the full benefit of the Program and remain eligible for the Deal-Ready Guarantee, you agree to: complete all onboarding steps within specified timeframes; attend and actively participate in scheduled calls and sessions; complete all assigned Mission action steps within the 90-Day Deal Sprint; maintain respectful conduct toward the Founder, team, coaches, and fellow members at all times; and provide accurate financial and personal information when requested.
6.1 All materials, frameworks, tools, content, processes, strategies, systems, and documents provided through the Program (including but not limited to the Wealth Operating System (WOS) and the proprietary tools within it, Mission frameworks, and session recordings) are the exclusive intellectual property of Portfolio Global Pte. Ltd. and Todd Polke ("Proprietary Materials").
6.2 You are granted a personal, non-transferable, non-exclusive licence to use the Proprietary Materials solely for your own investment education and decision-making during your active membership. This licence terminates upon the end of your membership.
6.3 Without prior written consent from the Company, you must not: copy, reproduce, adapt, distribute, sell, sublicence, or publicly display any Proprietary Materials; share portal or tool access with any third party; use Proprietary Materials to build any competing program, course, product, or service; or disclose the content of any Proprietary Materials to any third party. Breach of this clause entitles the Company to immediately terminate your membership without refund and to seek injunctive relief and damages. These obligations survive termination of your membership indefinitely.
6.4 Program sessions and events may be recorded by the Company. By participating, you consent to being recorded. You must not record, screenshot, or capture any session, call, tool output, or event without prior written consent from the Company.
7.1 The Program provides investment education and decision-making frameworks only. The Company, the Founder, coaches, and guest experts do not hold an Australian Financial Services Licence (AFSL) and do not provide financial product advice as defined under the Corporations Act 2001 (Cth), recommendations to acquire or dispose of any financial product, or personalised financial, taxation, legal, or accounting advice of any kind.
7.2 Nothing communicated by the Company or its representatives, whether verbally, in writing, or through any tool or framework, constitutes financial advice. All investment decisions are made solely by you at your own risk. You must seek independent financial, legal, and tax advice from appropriately licensed professionals before making any investment decision.
7.3 Where the Company introduces or refers you to a third-party investment opportunity, adviser, broker, or professional, you acknowledge that the Company bears no responsibility or liability for the quality, suitability, performance, conduct, or compliance of that third party or any opportunity.
8.1 The Deal Access Network, and any investment opportunity referred or made available through the Program, is made available only to Members who qualify as a wholesale client, or a sophisticated or professional investor, under the Corporations Act 2001 (Cth) or the equivalent applicable test. Where you access or participate in any such opportunity, you represent that you so qualify, and you agree to provide evidence of that status (such as a qualified accountant's certificate) on request.
8.2 Any investment in an opportunity is a separate transaction between you and the relevant third party or issuer, governed by that opportunity's own documents. It does not form part of the educational Program, and the Company gives no advice, recommendation, or assurance in relation to it (see clauses 7 and 10).
9.1 On certain opportunities introduced through the Deal Access Network, the Company, Todd Polke, or related parties may receive an economic benefit, including equity, profit share, an issuer or arranger fee, or other remuneration. Where this is the case, it will be disclosed to you in plain English before you evaluate the relevant opportunity. Many opportunities carry no economic benefit to the Company or Todd Polke.
9.2 The existence of any such interest does not constitute a recommendation. You remain solely responsible for your own due diligence and decisions in accordance with clause 7.
10.1 All investment activities carry inherent risk, including the risk of total loss of capital. The Company makes no representation or guarantee regarding the financial outcomes of any investment decision made by a Member.
10.2 To the maximum extent permitted by law, the Company, the Founder, and all associated persons, coaches, contractors, and expert network members exclude all liability for: any direct, indirect, incidental, special, or consequential loss or damage arising from your participation in the Program; any investment decisions made or not made by you; any loss arising from reliance on Program materials, frameworks, or tools; and any acts or omissions of third parties referred to or accessed through the Program. Where liability cannot be excluded by law, the Company's total liability is limited to fees paid by you in the 12 months preceding the relevant claim.
11.1 The 90-Day Deal Sprint concludes on Day 90. At that point, both you and the Company may assess whether the Program is the right fit (the "Day-90 Checkpoint").
11.2 If either party elects to discontinue at the Day-90 Checkpoint:
(a) for Monthly Plan Members, no further monthly instalments are charged and the 12-month commitment in clause 3.3 ends;
(b) for Annual Plan Members, the Company will refund the portion of the Annual Plan fee attributable to Months 4 to 12, and your membership concludes; and
(c) you retain what you built during the Sprint, namely your Freedom Figure, your capital structure, and your written Strategy Constitution.
11.3 To exercise the Day-90 Checkpoint, a party must give written notice on or before Day 90, or within 7 days after Day 90. If neither party gives notice, your membership continues into the Investor Boardroom on these terms.
11.4 The Day-90 Checkpoint is separate from, and additional to, the Deal-Ready Guarantee in clause 12.
12.1 The Company offers a Deal-Ready Guarantee to eligible Members who complete the 90-Day Deal Sprint in its entirety (the "Guarantee").
12.2 What "deal-ready" means. A Member is deal-ready when all four of the following outcomes have been achieved:
(a) Freedom Figure Calculated: your target income figure, calculated based on your lifestyle, timeline, and real numbers;
(b) Capital Structure in Place: your capital is properly structured and accessible, ready to be deployed;
(c) Strategy Constitution Written: a personal rules-based investment strategy documenting what your strategy permits, forbids, and under what conditions it changes; and
(d) Opportunity Evaluated: at least one real investment opportunity assessed using your framework, resulting in a confident and informed yes or no decision.
12.3 What the Guarantee provides. If, by Day 90, you have not achieved all four deal-ready outcomes above, the Company will continue working with you at no additional cost, extending the program on the same terms, until you are deal-ready. There is no time limit on this extension.
12.4 Eligibility. To invoke the Guarantee, you must have: attended all scheduled Sprint calls and sessions; completed all assigned Mission action steps; maintained all payments in good standing; and submitted a written Guarantee claim within 14 days of the conclusion of your 90-Day Sprint. The Guarantee applies to continued coaching support only and does not constitute a right to a monetary refund.
13.1 The Company may terminate your membership immediately if you: breach any provision of this Agreement; engage in conduct that is disruptive, abusive, threatening, or harmful to the Company, its team, or other members; make false or misleading representations in connection with the Program; or engage in activity that damages the reputation or commercial interests of the Company. Upon termination, access to all Program materials, tools, portal, and events ceases immediately. Any outstanding Monthly Plan obligations remain due and enforceable. Refunds following expulsion are considered at the Company's sole discretion.
14.1 The Company collects, uses, and stores your personal information to provide and administer the Program, in accordance with our Privacy Policy and applicable privacy laws. By enrolling, you consent to the Company contacting you by email, phone, or digital means for program-related communications.
15.1 Testimonials and results shared by the Company represent individual member experiences under their specific circumstances and are not a guarantee of the same or similar outcomes. Past results are not indicative of future performance. Your outcomes depend on your financial position, capital, engagement with the Program, market conditions, and your own decision-making.
16.1 Governing Law. This Agreement is governed by the laws of Victoria, Australia. The parties submit to the non-exclusive jurisdiction of the courts of Victoria.
16.2 Entire Agreement & Variation. This Agreement constitutes the entire agreement between the parties and supersedes all prior agreements relating to the Program. The Company may update these Terms & Conditions from time to time with notice to Members. Continued participation following notification constitutes acceptance of the updated terms.
16.3 Force Majeure. The Company is not liable for any failure or delay in delivering the Program caused by circumstances beyond its reasonable control. The Company will make reasonable efforts to reschedule or substitute affected delivery.
16.4 Severability & Waiver. If any provision of this Agreement is found invalid or unenforceable, the remaining provisions continue in full force. Failure to enforce any provision at any time does not constitute a waiver of that or any other provision.
By ticking the checkbox at checkout and submitting your enrolment, you confirm that you: