Effective date: 5 June 2026. Last updated: 25 September 2026.
These Terms of Service (the “Terms”) govern your purchase of, access to, and use of the Lifeclub trading mentorship program, community, educational materials, coaching calls, recordings, templates, spreadsheets, resources, and related services (collectively, the “Program”). The Program is operated by OZO CAPITAL LTD, trading as Lifeclub (“Lifeclub,” “Company,” “we,” “us,” or “our”).
By purchasing, enrolling in, accessing, or using the Program, you confirm that you have read, understood, and agree to be legally bound by these Terms. If you do not agree to these Terms, you must not purchase, access, or use the Program.
1. Company Information
Important notice: The Program is educational only. It is not financial advice, investment advice, trading advice, or a promise of profit. Trading involves significant risk, and you may lose money.
Legal entity: OZO CAPITAL LTD
Trading name: Lifeclub
Company number: 12710546
VAT number: 513926590
Jurisdiction: United Kingdom
Governing law: England and Wales
Contact email: info@hannahforex.com
2. Eligibility
You must be at least 18 years old to purchase, access, or participate in the Program. By enrolling, you confirm that you are at least 18 years old and have the legal capacity to enter into a binding agreement.
The Program is intended for individual consumers who wish to access trading education, mentorship, and community support. We reserve the right to refuse access, cancel enrollment, or terminate participation where we reasonably believe that a person is under 18, has provided false information, has breached these Terms, or presents a risk to the Company, the Program, or other members.
3. Program Overview
Lifeclub provides a 180-day trading mentorship program designed to support beginner and intermediate day traders through education, mentorship, community participation, and structured learning resources.
The Program may include, depending on your specific offer, purchase terms, and access level, the following:
Onboarding and roadmap: A private onboarding or action-plan session, personalized guidance, and a roadmap based on your situation.
Live coaching: Group coaching calls, Q&A calls, live trading sessions, mastermind sessions, and similar educational sessions.
Recordings: Access to recordings of calls, lessons, live sessions, and other Program content where available.
Educational content: A-Z modules covering trading strategy, processes, psychology, mindset, technical concepts, and related educational topics.
Tools and resources: Flowcharts, spreadsheets, templates, worksheets, trading-process documents, and other educational resources.
Market education: Daily forecasts, live market updates, weekly market outlooks, or other market commentary for educational purposes.
Community access: Access to the Lifeclub community, community channels, voice channels, member discussions, and support from the mentor and other members.
Mentor access: Access to Hannah Endozo through community channels, group calls, and other Program channels as made available by the Company.
We may update, modify, replace, reschedule, or remove specific Program features where reasonably necessary, including due to platform changes, availability, illness, technical issues, market conditions, member needs, or business requirements. Any such changes will not entitle you to a refund.
4. Access Period and Renewals
Your initial Program access period is 180 days. The 180-day period begins on the date you first receive access to the Program materials, community platforms, modules, or other Program resources.
After the initial 180-day period, you may be offered the opportunity to continue access for an additional term. If you choose to continue, your renewal price will be the same rate at which you originally joined, unless you agree otherwise in writing or through the checkout process. Future price increases may apply to new members or different offers.
Access after the 180-day period is not automatic unless your checkout terms, payment plan, subscription, renewal terms, or separate written agreement state otherwise. You are responsible for reviewing the purchase terms presented at checkout.
5. Payments, Fees, and Payment Plans
You agree to pay all fees shown at checkout or otherwise agreed with the Company. Payment options may include a one-time paid-in-full purchase, third-party financing, subscription payments, or an in-house payment plan.
If you choose a payment plan or financing option, you are committing to pay the full amount due under that payment arrangement. A payment plan is not a subscription that you may cancel simply because you no longer wish to participate. Unless we expressly agree otherwise in writing, all scheduled payments remain due even if you stop using the Program, stop attending calls, fail to complete modules, leave the community, lose access due to your breach, or decide the Program is no longer suitable for you.
You authorize us, Whop, our payment processors, financing partners, or other authorized payment providers to charge your selected payment method for all amounts due, including recurring, installment, renewal, late, failed-payment, or collection-related amounts where applicable and permitted by law.
You are responsible for ensuring that your payment information is accurate and up to date. If a payment fails, we may suspend or terminate your access until the outstanding balance is paid. We may also remove you from the Program, revoke access to materials, revoke eligibility for any guarantee, and pursue recovery of unpaid amounts.
6. No Refund Policy
All sales are final. We do not offer refunds.
By purchasing the Program, you acknowledge and agree that you are making a commitment to the full Program investment and that all payments are non-refundable, including paid-in-full amounts, deposits, installments, financing payments, renewal fees, subscription fees, and any other Program-related charges.
This no-refund policy applies regardless of whether you:
Change your mind after purchase: No refund.
Do not use the Program or community: No refund.
Do not attend calls or complete modules: No refund.
Decide trading is not for you: No refund.
Are dissatisfied with your results: No refund.
Fail to meet guarantee requirements: No refund.
Are removed for breach of these Terms: No refund.
Experience trading losses: No refund.
Have personal, work, scheduling, financial, or technical issues: No refund.
Where you are a consumer, nothing in these Terms is intended to exclude or limit any statutory rights that cannot lawfully be excluded. However, by purchasing and requesting or receiving immediate access to digital content, educational materials, recordings, community access, and/or services, you consent to immediate access and performance and acknowledge that, to the maximum extent permitted by applicable law, you lose any cancellation or cooling-off rights that may otherwise apply once access or performance has begun.
7. Commitment Guarantee
Lifeclub may offer a Commitment Guarantee as part of the Program. The purpose of this guarantee is to support committed members who complete the required work but do not reach consistent profitability within the initial 180-day access period.
The Commitment Guarantee does not mean that Lifeclub guarantees profit, income, trading success, account growth, a specific financial result, or a specific timeframe for success. Instead, if you meet all eligibility requirements and are not profitable within 180 days, Lifeclub will continue to provide eligible Program access at no additional cost until Lifeclub reasonably determines that you have achieved profitability under the Program criteria.
To qualify for the Commitment Guarantee, you must satisfy the requirements set by the Company, which may include the following:
Onboarding: Attend the onboarding or action-plan session and provide accurate information.
Module completion: Complete all core modules using the required learning process, including submitting notes where required.
Call participation: Attend or watch the replay of all required group coaching calls, Q&A calls, and other required sessions.
Community participation: Actively participate in the Lifeclub community in a constructive and consistent manner.
Trade logging: Log every trade taken during the 180-day period in accordance with your trading plan.
Weekly recaps: Submit all required weekly recaps during the 180-day period.
Trading-plan compliance: Follow your trading plan, risk rules, and Program process without rule-breaking or account breaches.
Conduct compliance: Remain in good standing and comply with these Terms, community rules, payment obligations, and confidentiality obligations.
Lifeclub recognizes that reasonable outside circumstances such as illness may occur. Eligibility may therefore be assessed based on patterns of commitment rather than perfect completion. As a general threshold, you must complete at least 80% of required submissions, participation, and Program requirements, unless the Company expressly confirms otherwise in writing.
For the purposes of the Commitment Guarantee, profitability may be assessed by Lifeclub using criteria such as net positive profit and loss over a rolling 30-day period, a minimum number of trades as defined in your trading plan, risk per trade remaining within your trading-plan rules, all trades being planned, executed, and journaled, and no rule-breaking or account breaches.
Lifeclub has the final reasonable discretion to determine whether you have met the guarantee requirements, whether you are in good standing, whether you have followed the Program process, and whether profitability has been achieved. If you fail to meet the guarantee requirements, breach these Terms, miss payments, share Program materials, act disruptively, or fail to follow the Program process, you will lose eligibility for the Commitment Guarantee.
8. Educational Purpose and No Financial Advice
The Program is provided for educational and informational purposes only. Lifeclub, OZO CAPITAL LTD, Hannah Endozo, mentors, coaches, team members, contractors, community moderators, and other representatives do not provide financial advice, investment advice, trading advice, tax advice, legal advice, or regulated financial services.
Any examples, trade breakdowns, market commentary, forecasts, spreadsheets, templates, live sessions, recordings, strategies, or discussions are provided for education only. They are not recommendations to buy, sell, hold, trade, invest, enter a position, exit a position, risk a particular amount, use leverage, use a funded account, or make any financial decision.
You are solely responsible for your own trading decisions, risk management, financial decisions, broker selection, account use, position sizing, and compliance with any laws, regulations, broker rules, platform rules, prop firm rules, tax obligations, or financial obligations that apply to you.
You should consult a qualified, regulated financial adviser before making financial, investment, or trading decisions.
9. Trading Risk Disclaimer
Trading is risky. Day trading, forex trading, CFD trading, futures trading, crypto trading, leveraged trading, prop-firm trading, and other forms of active trading can result in substantial losses. You may lose some or all of your trading capital, and in some circumstances you may lose more than your initial deposit.
Past performance, examples, testimonials, case studies, simulated results, back-tested results, strategy examples, community posts, or mentor demonstrations are not guarantees of future results. Your results will depend on many factors outside our control, including market conditions, discipline, psychology, experience, capital, risk management, execution, broker conditions, spreads, commissions, slippage, platform performance, rule compliance, and personal circumstances.
You acknowledge that no trading outcome is guaranteed. You agree that Lifeclub is not responsible for trading losses, failed challenges, failed funded accounts, lost profits, lost opportunities, emotional distress, dissatisfaction, financial hardship, or any consequences arising from your trading activity or use of the Program.
10. Member Responsibilities
You are responsible for participating in the Program in good faith and in accordance with these Terms. You agree to provide accurate information, complete any required onboarding or questionnaires, attend or watch required calls, complete modules, submit required work, log trades accurately, follow your trading plan, participate respectfully in the community, and communicate with the Company where necessary.
You must not misrepresent your progress, forge trade logs, conceal account breaches, manipulate screenshots, submit inaccurate information, harass other members, disrupt the community, promote competing products, solicit members for unrelated offers, or use the Program in a way that harms the Company, mentor, team, community, or other members.
11. Account Access, Sharing, and Security
Your Program access is personal to you. You must not share, sell, lend, transfer, sublicense, or provide your login credentials, account access, community access, course access, recordings, links, documents, files, templates, spreadsheets, or other Program materials to any other person.
You must not allow another person to access the Program using your account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
If we believe that you have shared access, leaked content, resold materials, copied materials, distributed recordings, or allowed unauthorized use, we may immediately suspend or terminate your access without refund, revoke your eligibility for the Commitment Guarantee, and pursue legal remedies.
12. Intellectual Property
All Program content, materials, methods, systems, strategies, frameworks, templates, spreadsheets, recordings, videos, written materials, community content, branding, trade examples, educational modules, processes, documents, and other resources are owned by or licensed to the Company and are protected by intellectual property laws.
Subject to your compliance with these Terms and payment obligations, we grant you a limited, personal, revocable, non-exclusive, non-transferable license to access and use the Program materials solely for your own personal educational purposes.
You must not copy, reproduce, modify, publish, distribute, sell, resell, license, sublicense, share, upload, post, transmit, create derivative works from, reverse engineer, commercially exploit, or otherwise misuse any Program content or materials without our prior written consent.
13. Confidentiality
You agree to keep confidential all non-public Program content, materials, strategies, processes, member discussions, community posts, private comments, recordings, templates, spreadsheets, documents, and information shared within the Program.
You must not share screenshots, recordings, member discussions, private communications, trade breakdowns, documents, or other confidential Program information outside the Program without our prior written consent.
A breach of confidentiality may result in immediate removal from the Program without refund, loss of guarantee eligibility, and legal action.
14. Community Rules and Conduct
You agree to behave respectfully and professionally in all Program spaces, including community channels, calls, chats, comments, voice channels, direct messages, and events. You must not harass, threaten, abuse, discriminate against, defame, intimidate, spam, exploit, or otherwise harm any member, mentor, staff member, contractor, or representative.
We may remove content, restrict participation, mute members, suspend access, or terminate access where we reasonably believe that conduct is inappropriate, harmful, disruptive, unlawful, or inconsistent with the Program’s purpose.
15. Recordings, Calls, and Media
Live calls, coaching sessions, Q&A sessions, live trading sessions, mastermind sessions, and other Program events may be recorded. By attending or participating, you consent to such recording.
The Company owns the recordings and may use, edit, store, distribute, and make them available to current or future Program members for educational purposes. If a recording, testimonial, or other media is intended for public marketing use and your identity is visible or identifiable, we will use reasonable efforts to notify you in advance or protect your identity where appropriate.
You waive any right to compensation for the use of recordings within the Program.
16. Testimonials and Results
Testimonials, reviews, case studies, screenshots, member results, or examples may reflect individual experiences and do not guarantee that you will achieve the same or similar results. Results vary and depend on personal effort, market conditions, skill development, risk management, discipline, psychology, trading rules, and other factors.
You must not rely on testimonials or examples as a promise, guarantee, or representation of likely results.
17. Third-Party Platforms and Services
The Program may be delivered through third-party platforms, including Whop, community platforms, video platforms, payment processors, scheduling tools, communication tools, file-hosting tools, or other services. Your use of those platforms may be subject to their own terms, privacy policies, fees, technical limitations, and account requirements.
We are not responsible for third-party platform outages, account restrictions, payment processor decisions, platform changes, technical issues, or service interruptions outside our reasonable control. Where possible, we will make reasonable efforts to provide alternative access or reschedule affected sessions.
18. Text Messages (SMS)
By giving your mobile number on our application form and agreeing to be contacted, you agree to receive text messages from Lifeclub (OZO CAPITAL LTD) about your application, booked strategy calls, reminders and follow-ups. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help, or email info@hannahforex.com. Carriers are not liable for delayed or undelivered messages. Agreeing to receive texts is not a condition of purchase.
19. Taxes
You are responsible for any taxes, duties, currency conversion charges, bank fees, card fees, financing charges, or other amounts that apply to your purchase, except where such amounts are required to be collected by us, Whop, or a payment provider at checkout.
20. Suspension and Termination
We may suspend or terminate your access to the Program immediately and without refund if you:
Payment breach: Failed, late, disputed, reversed, or incomplete payments.
Conduct breach: Harassment, abuse, disruption, discrimination, or inappropriate behavior.
Intellectual property breach: Copying, reselling, distributing, or commercially exploiting Program materials.
Account-sharing breach: Sharing login credentials or allowing unauthorized access.
Misrepresentation: Providing false information, manipulating trade logs, or misrepresenting progress.
Legal or safety issue: Conduct that may create legal, financial, reputational, or safety risk.
If your access is terminated due to breach, you remain responsible for any outstanding payments, you will not receive a refund, and you will lose eligibility for the Commitment Guarantee.
21. Chargebacks and Payment Disputes
Because all sales are final, you agree not to initiate improper chargebacks, payment disputes, reversals, or claims that contradict these Terms or your purchase agreement. If you believe there has been a billing error, you must contact us first at info@hannahforex.com so we can review the issue.
Where a chargeback, dispute, or reversal is initiated, we may suspend or terminate your access, provide these Terms and your purchase records to the relevant payment provider, and pursue recovery of the disputed amount and any associated costs where permitted by law.
22. Availability and Force Majeure
We aim to provide the Program with reasonable care and skill. However, we do not guarantee uninterrupted access to calls, recordings, community platforms, modules, files, or third-party services.
We will not be liable for delays, interruptions, or failure to perform caused by events beyond our reasonable control, including illness, emergencies, platform outages, internet failures, payment processor issues, cyber incidents, natural disasters, regulatory changes, labor disputes, war, terrorism, or other force majeure events. In such cases, we may provide reasonable alternatives, such as recordings, rescheduled sessions, replacement resources, or adjusted delivery timelines.
23. Limitation of Liability
To the maximum extent permitted by law, Lifeclub, OZO CAPITAL LTD, Hannah Endozo, and our directors, officers, employees, contractors, mentors, moderators, affiliates, and representatives will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary losses, including trading losses, investment losses, lost profits, lost revenue, lost opportunity, loss of data, business interruption, emotional distress, or loss arising from your use of or inability to use the Program.
To the maximum extent permitted by law, our total liability arising out of or relating to the Program or these Terms will not exceed the amount you paid to us for the Program in the three months before the event giving rise to the claim.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any statutory rights that cannot lawfully be excluded.
24. Indemnity
You agree to indemnify and hold harmless Lifeclub, OZO CAPITAL LTD, Hannah Endozo, and our directors, officers, employees, contractors, mentors, moderators, affiliates, and representatives from and against any claims, losses, liabilities, damages, costs, and expenses arising from your breach of these Terms, misuse of the Program, unlawful conduct, trading activity, account-sharing, confidentiality breach, intellectual property breach, or violation of third-party rights.
25. Changes to the Program or These Terms
We may update the Program, these Terms, community rules, delivery methods, schedules, content, platforms, or policies from time to time. The version of the Terms in effect at the time of your purchase will generally apply to that purchase, unless changes are required by law, platform requirements, security needs, operational needs, or to clarify existing terms.
If we make material changes, we will take reasonable steps to notify you, such as by posting the updated Terms, updating the Program page, or sending a notice through the community or email.
26. Governing Law and Jurisdiction
These Terms and any dispute or claim arising out of or relating to them, the Program, or your purchase are governed by the laws of England and Wales, without regard to conflict-of-law principles.
The courts of England and Wales will have jurisdiction over disputes, except where applicable consumer protection laws require otherwise.
27. Contact
If you have any questions about these Terms, your purchase, access, billing, or the Program, please contact us at:
Company: OZO CAPITAL LTD trading as Lifeclub
Email: info@hannahforex.com
28. Acceptance
By purchasing, enrolling in, accessing, or using the Program, clicking to accept terms at checkout, making any payment, joining the community, accessing modules, attending calls, or using Program materials, you confirm that you have read, understood, and agreed to these Terms.
You also acknowledge that trading involves risk, that no results are guaranteed, that all sales are final, and that you are responsible for your own trading decisions and outcomes.