Private Mentorship: programme terms

Mentorship programme conditions. Version 1.1, 22 September 2026.

1. Who provides the mentorship

Your mentorship is sold by Traders Temple Ltd and personally delivered by Michael Neo. Contact us about applications, appointments, payments, cancellations or complaints at neo@traderstemple.com.

Traders Temple Ltd, company number 10835955. Registered office and address for written notices: 12 Gateway Mews, Bounds Green, London, England, N11 2UT.

2. Applying and agreeing the programme

You must be 18 or over. You may apply with or without a Traders Temple account. Applying does not create a paid commitment or reserve an appointment.

Michael reviews your application. We aim to respond within 48 hours. If the work looks like a fit, we will email a private booking link for a 30-minute introductory call. This call is required before joining any programme.

After the introduction, we may send you a written offer confirming the programme, scope, start date, completion date, total price, payment schedule and individually dated appointment schedule. A paid contract begins when you expressly accept that offer in writing. We will send you a copy of the agreed offer and these terms by email. Payment is not due merely because you apply or attend an introduction.

3. The programmes

The completion window runs from the start date agreed in your offer. The month-12 Year review is the fourth review, not a fifth. The total fee includes the agreed preparation and written support. The fee also reserves scheduled appointment capacity across the agreed period. Appointments are held in Michael's calendar for you from the start of the programme and are not available to anyone else. Nothing additional is sold inside a session.

4. Payment

Payment may be made by bank transfer or by a secure card-payment link where offered. Payment instructions and any international transfer details will be provided privately in your offer or invoice. Do not email card numbers, security codes or banking passwords.

Instalments are interest-free. The first payment, or the full fee if you choose to pay in full, is due before the first paid session. The remaining dates will be written into your offer. Instalments spread the agreed programme fee; they are not separate monthly subscriptions. If a payment is missed, we will notify you and allow 14 calendar days to resolve it before ending the programme. We may suspend future appointments while payment is overdue. If the programme ends, the final amount due is calculated under section 9; we do not automatically demand every remaining instalment. Your statutory rights remain unaffected.

There is no automatic renewal or rolling subscription charge.

The total fee confirmed in your accepted offer includes any VAT we are required to charge. If VAT becomes chargeable or its rate changes during your programme, your agreed total fee and instalment amounts will not increase; we will account for the applicable VAT within that total. A new or renewed programme may be offered at a different total price, disclosed before you agree to it.

5. Appointments, late cancellation and no-shows

Appointments are arranged privately, normally on weekdays between 8pm and 11pm, London time, subject to Michael's diary and existing commitments. London time follows UK daylight-saving changes. We confirm your local time and meeting link.

We agree the appointment schedule with you and enter it in the calendar when you accept the offer. You receive a written confirmation of every appointment, including its date, duration and time zone:

• The Correction: all three 60-minute sessions within the agreed eight-week window.
• The Quarter: all six 60-minute sessions within the agreed 12-week window.
• The Half-Year: twelve 60-minute sessions on an agreed, normally fortnightly pattern, plus two additional 90-minute reviews at midpoint and end, all dated at acceptance.
• The Year: twenty-four 60-minute sessions on an agreed, normally fortnightly pattern, plus four additional 90-minute reviews around months 3, 6, 9 and 12, all dated at acceptance.

The pattern is a schedule of the included meetings, not an unlimited recurring booking. Any holiday breaks or exceptions are agreed and shown in the schedule. A proposed or unconfirmed date is not a booked appointment, and silence is not acceptance of new dates.

Appointments may be scheduled across the full agreed programme window, including six months for the Half-Year and twelve months for the Year. The 48-hour minimum applies when agreeing a new or replacement appointment. Dates already agreed in your accepted schedule do not need to be reconfirmed 48 hours before each meeting. The paid start date must also comply with section 8. Year clients have priority for unallocated appointments; existing bookings are not displaced.

Rescheduling and cancellation of individual appointments:

• One free reschedule. You may reschedule each appointment once without charge by giving at least 48 hours' notice to neo@traderstemple.com. Changes caused by Michael or our meeting arrangements do not use your free reschedule.
• Further changes. Further client-requested changes require our agreement, are subject to availability and must remain within the programme window. They do not create an automatic right to an extension.
• If a further request is declined. The existing agreed appointment remains scheduled unless you cancel it.
• Cancelling with notice. Giving at least 48 hours' notice avoids a late-cancellation charge, but does not create an unlimited right to replacement dates. After your free reschedule, cancelling again may mean that no replacement appointment is offered.
• Programme settlement. Cancelling an appointment does not itself cancel your programme. Any resulting programme closure is assessed under sections 9 and 11, not an automatic forfeiture. The absence of a replacement does not by itself establish a right to retain payment for undelivered work.

An appointment booked close to the minimum booking window has little or no subsequent free-cancellation period; we will highlight this before you confirm it. Your statutory rights remain unaffected.

Any replacement appointment is agreed with you and confirmed in writing within the programme window, unless an extension is required because of our unavailability or separately agreed under these terms. We do not silently move a booking or treat an unaccepted replacement as a no-show. If we cannot offer reasonable replacement availability after your permitted free reschedule request made in time, we agree an extension or appropriate settlement without a client cancellation charge for our lack of availability.

For less than 48 hours' notice or a no-show, we may charge for the net loss directly caused by reserving that appointment for you. The maximum is £400 for a 60-minute appointment or £600 for a 90-minute review. The charge is not automatic: we deduct saved costs and reduce or waive it if the time or income is recovered. We take reasonable steps to reduce the loss, without promising that a replacement booking will be available. We provide an itemised explanation on request and when settling the programme.

If you have not joined within 15 minutes of the scheduled start, the appointment is treated as a missed appointment and Michael is not required to remain available for the rest of it. Tell us as soon as possible if you are delayed or have a technical problem; where the circumstances reasonably allow, we will use the remaining time or offer a replacement. An appointment you join late runs to its original end time.

A missed appointment is recorded as missed, not delivered. Any charge is shown separately. We will not both deduct the full appointment value as a delivered meeting and impose a cancellation charge for the same loss. No fee is charged for missing a 30-minute introductory call.

Please tell us promptly about an emergency or technical failure. We consider the circumstances and may offer a replacement or waive a charge. We do not charge for a failure caused by us or our meeting arrangements.

If Michael cancels, we will offer a suitable replacement without charge or refund the affected service if it cannot be provided. Necessary extensions caused by our availability are free. Rights arising from our failure to provide the service remain unaffected.

If Michael becomes unavailable for an extended period that materially prevents delivery of the agreed schedule, we will notify you promptly. You may choose either a pause with the end date extended by the affected period and a revised schedule agreed with you, or termination with settlement under section 9 for services actually supplied and no cancellation charge. We will not impose a replacement mentor without your agreement. During a pause caused by Michael's unavailability, we will agree revised payment dates and will not collect further instalments while paid delivery is suspended. This provider-caused pause is separate from the once-only client-requested pause in section 10 and does not use up that allowance. Statutory remedies remain unaffected.

6. Preparation and written support

Bring the material agreed with Michael, with account numbers and unnecessary personal information removed. Never provide passwords or broker access credentials.

Each programme includes a written recap within two working days of a session. The Correction includes one written question between sessions. The Quarter includes two written questions per fortnight. The Half-Year includes email access with one thread per topic and a monthly check-in.

The Year includes email access with one thread per topic and a monthly check-in, with replies by the next working day. Written support concerns the agreed work. It does not include live monitoring or checks on open trades.

Meetings are not recorded by default. Any recording needs advance agreement and explicit consent about its purpose, access and retention.

7. What the mentorship provides

Traders Temple provides education and general market analysis. Nothing in the mentorship is personal investment advice, a recommendation or a signal service. Trading and investing carry risk and you can lose money; leveraged products can lose money rapidly. Past market commentary is not a guide to future results.

Michael helps you examine your thinking, risk rules, process and decisions. There is no portfolio management, trade execution or account control, and no promise of returns. Your trading and investment decisions remain yours. This does not limit our responsibility to provide the agreed mentorship with reasonable care and skill.

8. Your 14-day cancellation right

If you are a UK consumer agreeing your programme online or by email, you may cancel without giving a reason until 14 days after the day the contract is agreed. Email neo@traderstemple.com with a clear statement that you wish to cancel. You can use the form below, but do not have to.

We will not begin paid services during that period unless you expressly request an early start. If you request an early start and then cancel during the period, any lawful charge will be proportionate to the service already supplied, in accordance with the statutory rules, rather than the commercial cancellation-loss calculation in section 9. Without the required request and cancellation information, we will not charge you for services supplied during that period.

You lose the statutory cancellation right before the period ends only if the service has been fully performed and you expressly requested early performance and acknowledged that consequence beforehand. An application checkbox is not an early-start request or a waiver of cancellation rights. The late-cancellation and programme-loss provisions do not override this statutory right. A cancellation statement sent before the statutory deadline counts in time; you do not need to wait for our acknowledgement.

9. Programme commitment, early termination and settlement

Your offer is for a fixed programme over the agreed period. It is not a pay-as-you-go arrangement or a satisfaction guarantee. After the statutory cancellation period, changing your mind does not automatically entitle you to a refund of every unused meeting. You may notify us at any time that you wish to end the programme; the financial settlement is calculated below.

For cancellation by you after the statutory period, or termination because of your material breach after the notice required by these terms, we may retain or recover:

1. The value of services actually supplied. Delivered meetings are valued at the published £400 per meeting hour; a 90-minute review is £600. The agreed preparation and written support remain included in the programme price and are not retrospectively converted into separate fees.
2. Reasonable net losses directly caused by the cancellation or breach, including a justified missed-appointment charge, non-recoverable costs and lost net profit where evidenced. The agreed appointment schedule described in section 3 and the appointment records support that assessment. A reservation is evidence of a commitment, not automatic evidence of a loss equal to the full appointment price.

We deduct costs saved, replacement income and losses reasonably avoidable by reallocating the released time. We do not charge twice for the same meeting, work, cost or loss. The combined value of supplied services and cancellation charges will not exceed the agreed total programme fee. There is no automatic percentage forfeiture and no automatic acceleration of all remaining instalments.

Once you clearly notify us that you are ending the programme, we release future reservations and calculate any justified loss from that cancellation under this section. We do not let those appointments pass and charge them again as successive no-shows. The same applies to appointments suspended or released by us. If you stop responding without cancelling, we follow section 11 promptly rather than allowing avoidable charges to accumulate.

We give you a written settlement showing payments received, services supplied, each cancellation charge and its basis, savings or recovered income, and the resulting balance. A positive customer balance is refunded; if justified charges exceed payments received, we explain the outstanding amount and provide a reasonable payment deadline. You may challenge the calculation; our calculation does not remove your rights to seek advice or dispute it.

Once termination takes effect, future instalments are replaced by this settlement and are not collected in addition to it. Any refund due is made without undue delay and within 14 days of termination, using the original payment method unless you expressly agree otherwise, without a refund fee. We will not withhold an undisputed refund while resolving a disputed charge.

If you cancel because we have materially failed to provide the agreed service, these commercial cancellation charges do not apply. Statutory cancellation rights, service remedies and other mandatory consumer protections take precedence.

10. Pausing The Year

The Year can be paused once for up to eight weeks, agreed in advance. The end date moves back by the same period. The fee and instalment dates do not change. Sessions cannot be banked or carried beyond the agreed extended end date. Your early-exit and statutory rights remain unaffected.

11. Non-attendance, expiry and the end of the programme

The completion window is the period in which the programme is delivered. It does not convert unbooked time into delivered meetings or create an automatic right to retain the whole advance payment.

If you stop responding or attending agreed appointments, we will email a reminder and then a final notice giving at least 14 calendar days to contact us. The notice will explain what needs resolving, the proposed closure date and how settlement works. If you do not respond, we may close the programme and settle under section 9. We do not continue creating appointment reservations after it is clear you have disengaged simply to generate charges.

After a first no-show without notice we will contact you and explain the consequences of repetition. Following a second no-show without notice, we may give written notice proposing termination, with 14 calendar days to explain the circumstances or agree a workable continuation. We consider emergencies and problems caused by us before deciding. If we terminate, the same settlement rules apply; the entire balance is not automatically forfeited.

Before the agreed completion date we will review outstanding scheduled or rescheduled meetings with you and seek to resolve them within the remaining window where reasonably practicable. If time remains unused at expiry, we close and provide a settlement: supplied services remain payable, but any deduction for client-caused loss must satisfy section 9. Mere expiry is not a separate cancellation charge. Unused services caused by our failure to offer reasonable availability are not charged. Any agreed pause or extension changes the end date accordingly.

The Year normally closes with its final strategic review. There is no automatic renewal or rolling charge. If you and Michael wish to continue, a new programme is agreed in writing. Existing Year clients have first refusal on continuing before that time is offered elsewhere, subject to Michael continuing to offer the service.

As an alternative to ending the programme, we may agree a pause, revised schedule or transfer of an agreed value to TT Intelligence or another available TT service. This is optional for both parties. We confirm the service, transfer value, access period, any extra cost and any remaining cash balance in writing. We do not substitute credits or another product for a cash refund you are entitled to without your express agreement. Any new product's applicable terms and statutory rights are provided separately.

12. Privacy, concerns and your rights

The Traders Temple Privacy Policy explains how we handle personal information. Mentorship administration is handled by email and private meeting arrangements; a TT account is not required. An application does not subscribe you to marketing.

If something is wrong, contact neo@traderstemple.com so we can address it. Nothing in these terms excludes liability that cannot lawfully be excluded or limits your statutory consumer rights, including rights relating to services that are not provided with reasonable care and skill. Mandatory protections in your country of residence continue to apply where applicable.

13. Confidentiality and materials

We will treat the non-public information you share in your application, meetings and written work as confidential. We will use it to assess, deliver and administer your mentorship, and share it only with service providers and professional advisers who need it for those purposes and are subject to appropriate confidentiality obligations, or where disclosure is required by law. Our Privacy Policy explains the handling of personal data.

We will not publish your identity, portfolio, correspondence, results or case study, or use them as a testimonial, without your separate permission. Information that is already lawfully public, independently developed or lawfully obtained elsewhere is not confidential under this clause. Nothing prevents either party from obtaining professional advice, making a lawful complaint or reporting wrongdoing.

You retain ownership of material you supply. You allow us to use it only as needed to provide and administer the agreed service. Traders Temple or the relevant rights holder retains ownership of its original frameworks, teaching materials and written recaps. Once supplied as part of your paid mentorship, you may retain and use those materials for your own trading education and personal reference after the programme ends. You may share them confidentially with your professional advisers where reasonably needed. You may not sell, publish or redistribute them, or use them to deliver a competing teaching service, without written permission. This restriction does not prevent you from using the general knowledge and skills you learn or exercising rights permitted by law.

14. Governing law and disputes

These terms and your programme agreement are governed by the law of England and Wales. Courts in England and Wales may hear disputes. If you are a consumer, this does not prevent you from bringing proceedings in the courts of your home jurisdiction where applicable law permits, or deprive you of mandatory consumer protections that apply where you live. We will bring proceedings against a consumer only in a court permitted by applicable law. No compulsory arbitration is required.

Optional cancellation form

To: Traders Temple Ltd, neo@traderstemple.com, 12 Gateway Mews, Bounds Green, London, England, N11 2UT.

I give notice that I cancel my contract for the following mentorship programme:

• Programme:
• Date the contract was agreed:
• Customer name:
• Customer address:
• Date:
• Signature, only if sending this form on paper:

Separate early-start request, only if needed

“I expressly request that my paid mentorship begins before my 14-day cancellation period ends. I understand that if I cancel during that period, I may have to pay a proportionate amount for services already supplied as explained in the terms. If the service is fully performed during that period, I acknowledge that I will lose my statutory cancellation right once it has been fully performed.”

This must be a separate, optional express request, retained with the accepted offer. Do not pre-tick it or combine it with applying.