These terms are between you (the "Member") and Engarde Investments Ltd., operating as FutureXchange ("FutureXchange," "we," "us").
By entering your payment details and completing enrollment, you agree to these terms.
Membership is personal to you. It cannot be transferred, shared, or assigned to a colleague without our written consent.
2. What membership includes
A confirmed seat in your assigned forum group for each scheduled session.
Session materials, including pre-reading circulated in advance and the written insights report issued after each session.
Access to the one-to-one coaching time offered as part of your membership ("Colby’s Coaching Hours"), subject to availability.
Membership is a seat in a facilitated peer group. It is not a guarantee of any business, financial, or personal outcome.
3. Fees and billing
The monthly membership fee is the amount confirmed to you in writing at enrollment, charged in your local currency, either Canadian dollars (CAD) or United States dollars (USD).
The currency of your membership is fixed at enrollment and stated on your receipt. Your fee does not change with exchange rate movements.
Your card is charged automatically each month on the anniversary of your enrollment date, through our payment processor, Stripe.
By enrolling you authorize us to charge that payment method on a recurring monthly basis until the membership is cancelled under Section 4.
Your bank or card issuer may apply its own foreign transaction or conversion fees. Those are between you and your issuer.
You are responsible for keeping a valid payment method on file. You can update it at any time through the billing portal link we provide.
If a payment fails, we will attempt to collect again. If payment remains outstanding after 15 days, we may suspend your access to sessions and materials until the account is current.
Taxes are charged where applicable and are in addition to the stated fee unless we say otherwise in writing.
We may change the membership fee on 60 days written notice. If you do not accept the new fee, you may cancel under Section 4 before it takes effect.
4. Term and cancellation
Membership is month-to-month. There is no fixed term.
Either party may cancel by giving 60 days written notice to the other.
Notice from you must be sent by email to colby@futurexchange.co. Notice is effective on the date we receive it.
You remain responsible for membership fees during the 60-day notice period, and you keep full access to sessions and materials for that period.
We may cancel your membership immediately, without the 60-day notice period, for a breach of Section 6, 7, 9, or 10.
5. Refunds and missed sessions
Membership fees are non-refundable.
Your fee secures your seat in the group, not your attendance. No refund, credit, or fee reduction is given for sessions you do not attend, for any reason.
If we cancel a scheduled session and do not reschedule it within 60 days, we will credit that session against a future month.
6. Confidentiality
Everything shared in a forum session is confidential. This obligation runs both ways and between members, not only between you and FutureXchange.
You agree not to disclose, outside the room, any of the following: what another member said, the business or personal situations they described, their commercial information, or the identity of who said what.
You may share your own contributions and your own takeaways freely.
Session materials and insights reports are marked confidential and are for members and invited guests only. Do not forward, republish, or post them.
This obligation survives the end of your membership and continues indefinitely.
Confidentiality does not apply to information that is already public, that you knew before the session, or that you are legally required to disclose.
7. Recording and session materials
We may record or transcribe sessions, including through AI-assisted transcription tools, to produce insights reports and improve the programme.
By participating you consent to being recorded and transcribed.
Recordings and transcripts are confidential, are used only to produce member materials and improve our programmes, and are not published or shared outside the group.
If you object to being recorded in a given session, tell the facilitator before it begins.
8. Use of your name
Our insights reports credit members by name and may include your role, company, and professional profile details.
By participating you consent to being named and identified in materials circulated to your forum group.
We will not use your name, company, likeness, or quotes in public marketing without your separate written permission.
9. No solicitation
The forum is not a prospect list.
You agree not to use the forum, its membership roster, or contact details obtained through it to market or sell your products or services to other members, unless that member invites the conversation.
Members are encouraged to connect and meet one to one between sessions. This clause is about unsolicited selling, not about relationships.
This obligation continues for 12 months after your membership ends.
10. Conduct and removal
Forum sessions depend on candour and psychological safety. You agree to participate in good faith, keep your commitments to the group, and treat other members with respect.
We may remove a member from the group, with or without notice, where their conduct undermines the safety or trust of the room, or where they breach these terms.
If we remove you, we will refund any fees already paid covering periods after the removal date.
11. What this is not
FutureXchange facilitates peer dialogue. We are not lawyers, accountants, financial advisors, or licensed therapists, and nothing in a session is professional advice of that kind.
Input from the facilitator or from other members is peer perspective, not professional advice. You are responsible for your own decisions and for seeking qualified advice where you need it.
You should not act on anything discussed in a session without your own independent judgment.
12. Our materials and methodology
All session content, frameworks, slides, workbooks, insights reports, and the XCHANGE facilitation methodology remain the intellectual property of FutureXchange or its licensors.
You may use these materials inside your own organization for your own purposes.
You may not reproduce, republish, sell, or use them to deliver a competing programme or facilitate similar sessions commercially.
Anything you create or decide as a result of the forum belongs entirely to you.
13. Changes to the programme
We may change session dates, format, duration, facilitator, or group composition where we reasonably need to.
We will give as much notice as we practically can.
If a change materially reduces the value of your membership, you may cancel under Section 4 and we will waive the 60-day notice period.
14. Limitation of liability
To the fullest extent permitted by law, our total liability to you for any claim connected to your membership is limited to the membership fees you paid us in the 12 months before the claim arose.
We are not liable for indirect, incidental, or consequential losses, including lost profits, lost business, or lost opportunity.
Nothing in this section limits liability that cannot be limited by law.
15. Privacy
We collect and hold your contact details, company information, payment details, and session participation records to deliver the programme.
Payment card details are handled by Stripe. We do not store your full card number.
We do not sell your information or share it outside FutureXchange except as needed to deliver the programme.
16. Governing law
These terms are governed by the laws of the Province of British Columbia and the federal laws of Canada that apply there.
This applies to all members, wherever they are located.
The courts of British Columbia have exclusive jurisdiction over any dispute.
17. General
These terms, together with your enrollment confirmation, are the whole agreement between us.
If any part is found unenforceable, the rest still applies.
We may update these terms on 30 days written notice. Continuing your membership after that means you accept the update.
18. Privacy policy
Information we collect: we collect information you provide directly, including your name, email address, phone number, company name, job title, and any other information you submit through our forms, assessments, or applications.
How we use it: to provide and improve our services, send you your assessment results and reports, communicate with you about our programs, workshops, and events, process your applications, and respond to your inquiries.
Information sharing: we do not sell, trade, or rent your personal information to third parties. We may share it with trusted service providers who help us operate our platform, such as email delivery services, subject to confidentiality agreements.
Data security: we implement industry-standard security measures to protect your personal information. No method of transmission over the Internet or electronic storage is fully secure, so we cannot guarantee absolute security.
Cookies: we use essential cookies to ensure the proper functioning of our website. We do not use tracking cookies for advertising purposes.
Your rights: you may access the personal information we hold about you, request corrections, request deletion, and opt out of marketing communications at any time.