Welcome to Rick Tam and affiliated companies (including but not limited to Wisdom Wealth Management Limited and Self-Esteem Oriental Securities Limited, collectively referred to as the "Service Provider", "Company", or "We"). The following terms and conditions set forth the legally binding framework governing your purchase and participation in the 三步炒股系統™ / RTP Retail Investor Turnaround System™ (the "Program" or "Services").
SECTION 1 – APPLICABILITY
These terms and conditions for services (the “Terms”) are the only terms that govern the provision of the Program by the Service Provider to You (the ”Customer” or "Client"). Through your confirmation of purchase via means of but not limited to voice call, voice message, text message, electronic mail, or webinar checkout page between yourself and the Service Provider representative (the “Confirmation”), if any, these Terms and the Confirmation (collectively, the “Agreement”) comprise the entire agreement between the parties.
This Agreement supersedes all prior understandings, negotiations, representations, and communications, both written and oral. This Agreement takes effect at the time you confirm, pay, click "agree", or provide similar confirmation of enrollment.
SECTION 2 – CUSTOMER’S OBLIGATIONS
The Customer shall:
Respond promptly to any Service Provider request to provide direction, information, approvals, authorizations, or decisions necessary for the performance of the Services.
Provide accurate, complete, and timely materials or information as requested by the Service Provider to facilitate the training modules.
Acknowledge that they are solely responsible for managing their own capital, brokerage accounts, and trading execution, and must comply with all applicable local financial laws and regulations before embarking on live market trading.
SECTION 3 – CUSTOMER’S REQUIREMENTS
The Customer explicitly agrees to the following delivery, execution, and performance criteria for the 90-Day Done-with-You (DWY) Trading System Establishment Program:
A. Information Provision: Provide necessary information and setup data as required for maximum effectiveness in receiving the coaching services.
B. Full Module Completion: Commit to completing the 10-chapter educational course (structured into the 7 Core Outcome Modules, including but not limited to RTP Three-Step Execution, TrendVault Setup, Flow of Funds Tracking, and Risk Control Systems).
C. Action Items & Challenges: Perform all weekly assigned "Action Items" and actively participate in the 10-Day Simulated Trading Challenge, maintaining the required TrendVault Discipline Logs and utilizing the 1/10 Position Sizing Calculator.
D. The 30-Day Inactivity Clause: After 30 consecutive days of no contact, no module progression, or no response from the Client to the Company, the Company will assume the Client is no longer in need of the Services, and the Company reserves the right to terminate the Agreement. In this event, all unpaid installment fees will remain due and immediately collectible.
SECTION 4 – SERVICES
The Services delivered under this Agreement constitute an educational, structured coaching, and system-building program titled 三步炒股系統™ (powered by the TrendVault Capital Growth Formula). The scope includes:
Framework Training: Teaching the master anchor system consisting of three concrete operational steps: (i) Direction Determination, (ii) Entry Point Identification, and (iii) Order Execution with Stop-Loss & Take-Profit Rules.
Support Layer Access: Provision of a dedicated WhatsApp community ecosystem, peer trading logs, tools/calculators, and specific market commentaries or reviews issued by Rick Sir during periods of high probability setups.
Collaborative Approach: The Client agrees that successful implementation requires strict personal discipline and execution. The Service Provider provides the frameworks, rules, and SOPs; the Client retains 100% responsibility for executing, placing, or bringing about any live market trades or recommendations.
⚠️ CRITICAL REGULATORY NOTICE: The Service Provider does NOT operate as a personalized investment advisory service, does NOT manage individual retail accounts, and will NOT issue specific stock alerts, guaranteed "winning numbers," or hot stock tips. All content, simulator reviews, and market structural insights are for educational and demonstrative purposes only.
SECTION 5 – CUSTOMER’S ACTS OR OMISSIONS
If the Service Provider’s performance of its obligations under this Agreement is prevented or delayed by any act, omission, or failure of the Customer (such as failure to complete milestones, failure to join scheduled 1-on-1 sessions, or failure to submit trade logs), the Service Provider shall not be deemed in breach of contract or otherwise liable for any perceived losses, trailing market performance, or missed market windows sustained by the Customer.
SECTION 6 – FEES AND EXPENSES; PAYMENT TERMS; LATE PAYMENTS
In consideration of enrollment in the Program, the Customer shall pay the fees set forth in the Confirmation page or checkout interface.
Currency: All transactions, invoices, and payments shall be executed in Hong Kong Dollars (HKD) unless otherwise specified.
Tax Responsibilities: The Customer remains fully responsible for any local taxes, transactional duties, or platform processing fees applicable to their purchase.
Payment Processors: Financial information, including credit card numbers, is securely transferred directly to our certified third-party payment processor. For details regarding data protection, please review their terms at www.stripe.com.
SECTION 7 – REFUND POLICY
Company has a NO REFUND POLICY and all payments will not be refunded once the program is activated. Lastly, in case of delayed payments for more than 7 calendar days, upon collecting the monthly installments, Company reserves the right to apply a 5% surcharge.
SECTION 8 – ARBITRATION CLAUSE
All disputes, controversies, or claims arising out of, relating to, or in connection with this contract, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by arbitration administered in the Hong Kong Special Administrative Region (HKSAR), and shall be governed by, and construed in accordance with, the laws of Hong Kong.
SECTION 9 – CHARGEBACK PROTECTION AND ANTI-FRAUD CLAUSES
a. Prior Consultation Mandate: If the Client disputes a specific charge or payment installment, they are legally obligated to contact the Company in writing within 5 working days of the debit to allow an amicable accounting review. Any bank chargebacks opened before consulting the Company and providing an opportunity to verify fulfillment of obligations are strictly prohibited.
b. Fraud Classification: Chargebacks initiated without valid legal or factual grounds, or in circumvention of Section 7, will be legally classified as civil fraud.
c. Evidence Submission: The Company reserves the right to submit all completion logs, IP tracking records, WhatsApp conversation records, and signed agreements to merchant banks to overturn illegitimate disputes.
d. Costs and Currency Fluctuations: All processing fees, operational costs, and currency exchange rate fluctuation losses incurred by the Company while defending an unauthorized chargeback shall be billed to the Client's account.
e. Contractual Fine: In the event that the Client violates this section or opens an abusive chargeback, the Client shall owe the Company an immediate, contractually agreed liquidated damage fine of HKD 50,000 per violation, without prejudice to the Company's right to claim additional compensation for actual damages in a court of law.
SECTION 10 – TAXES
The Customer shall be solely responsible for all sales, use, value-added, and excise taxes, and any other similar taxes, duties, or government charges of any kind imposed by any local or international governmental entity on any amounts payable by the Customer hereunder.
SECTION 11 – INTELLECTUAL PROPERTY
The Service Provider remains at all times the sole owner of all Intellectual Property Rights, including copyrights, proprietary trading calculators, Excel templates, TrendVault dashboard designs, course videos, scripts, workbook files, trademarks, trade secrets, and methodologies provided to the Customer.
The Service Provider hereby grants the Customer a limited, non-exclusive, non-transferable, non-sub-licensable, revocable, and personal license to use the materials solely for their private educational, non-commercial investment development. Copying, selling, sharing, or distributing the Program contents to third parties without express written consent will result in immediate termination without refund and legal prosecution.
SECTION 12 – CONFIDENTIAL INFORMATION AND MUTUAL PRIVACY
Company Protection: All non-public, proprietary information regarding the TrendVault system parameters, institutional fund tracking filters, and internal mechanics disclosed by the Service Provider remains strictly confidential and may not be copied or shared.
Client Protection: The Company agrees that all personal financial figures, trading statements, portfolio numbers, and personal situations shared by the Client within the private WhatsApp group, sheets, or during 1-on-1 calls will remain strictly confidential, except when disclosure is compelled by law or regulatory authorities.
SECTION 13 – DISCLAIMER OF WARRANTIES
The Services and System Frameworks are provided on an "AS IS" basis. The Service Provider makes no warranty whatsoever with respect to the market outcomes of the Services, including any:
(a) warranty of merchantability;
(b) warranty of fitness for a particular purpose; or
(c) warranty of profitability,
whether express or implied by law, course of dealing, performance, or usage of trade.
SECTION 14 – LIMITATION OF LIABILITY
In no event shall the Service Provider be liable to the Customer or to any third party for any loss of use, revenue, capital, trading principal, profits, data, or for any consequential, incidental, indirect, special, or punitive damages arising out of market volatility, trade execution errors, or system failure, regardless of whether such damages were foreseeable.
The Service Provider’s aggregate liability arising out of or related to this Agreement shall not exceed the total aggregate amounts actually paid to the Service Provider by the Customer for this specific enrollment.
SECTION 15 – TERMINATION
The Service Provider may terminate this Agreement with immediate effect and without prior notice if the Customer:
Fails to pay any installment amount within 7 days of its due date.
Violates any Intellectual Property or Confidentiality clauses.
Engages in abusive, disruptive, or defamatory behavior toward Rick Sir, the coaching staff, or fellow students within the WhatsApp communities.
Upon termination, the Service Provider will immediately revoke all access to portal contents, delete the user from trading communication channels, and terminate any pending support contracts.
SECTION 16 – NO GUARANTEE
The Customer explicitly acknowledges that stock trading, derivative products (such as inline warrants and callable bull/bear contracts), and financial speculation involve serious inherent risk.
No Profit Guarantee: The Company does not warrant, promise, or guarantee any specific level of future financial performance, specific win rates, or cash returns.
Illustrative Case Studies: Historical reference metrics showcased during marketing webinars (such as Rick Sir's institutional 40-billion management background, peak average returns of 78%, or specific client short-term single-day 150% gains) are deployed solely for demonstrative, educational, and contextual credential purposes. They do not constitute an assurance that you will achieve identical outcomes. Past performance is never an indicator of future market results.
SECTION 17 – WAIVER
No waiver by the Service Provider of any provision of this Agreement is effective unless explicitly set forth in writing and signed by an authorized company officer. No failure to exercise or delay in exercising any right, remedy, power, or privilege operates as a waiver thereof.
SECTION 18 – GOVERNING LAW
All matters arising out of or relating to this Agreement are governed by and construed in accordance with the internal laws of the Hong Kong Special Administrative Region (HKSAR), without giving effect to any choice or conflict of law provisions that would cause the application of laws of any jurisdiction other than those of the HKSAR.
SECTION 19 – SUBMISSION TO JURISDICTION
Any legal suit, action, or proceeding arising out of or relating to this Agreement shall be instituted exclusively in the courts of competent jurisdiction located within the Hong Kong Special Administrative Region, and each party irrevocably submits to the exclusive jurisdiction of such courts.
SECTION 20 – AMENDMENT AND MODIFICATION
The Service Provider reserves the right to update, modify, or enhance course tools, platforms, or administrative terms at any time to adapt to changes in compliance or financial market conditions. Notice of modifications will be delivered via updates to the student portal interface, electronic mail, or via pinning updated terms within the community platforms.
Copyright © 2026 「三步炒股系統」｜Terms & Conditions｜Disclaimer | Privacy Policy
The sales figures and results discussed in this training are our personal results and in some cases the sales figures and results of previous or existing clients. Please understand these results are not typical. We’re not implying you’ll duplicate them (or do anything for that matter). The average person who watches “how to” information videos get little to no results. We’re using these references for example purposes only. Your results will vary and depend on many factors including but not limited to your background, experience, and work ethic. All business entails risk as well as massive and consistent effort and action. If you’re not willing to accept that, please DO NOT ATTEND THIS TRAINING.