Course FAQs & Policy


ABOUT

Our Course Policy applies to any person automatically, who registers for our workshop and courses, offline and online, including The Full-Time Investor (FTI), Part-Time Investor (PTI), Growth Investing Mastery (GIM), Dividend Income Mastery (DIM) and all workshops and courses operated by 10x Capital Pte Ltd (UEN: 201827671K). Please read the following policy carefully. We reserve the right to amend any of our policy at any time, without prior notice.

For FAQs regarding our online store or products, please visit our dedicated page here

 

PRECAUTIONARY MEASURES FOR COVID-19 PANDEMIC

Please visit 10x.sg/pages/covid-19 for more information regarding your classes.

Our physical office at 114 Lavender Street, #06-58 CT Hub 2 will remain CLOSED during the Phase 2 easing period, starting 19 Jun 2020 as we continue to do our part and work from home.

ALL our Workshops, Bootcamp Classes, Weekly Tutorials and Events such as Portfolio Review have been be shifted online

Our business and operations will remain fully operational online and our staff will still provide support and assistance to you via various communication channels between Monday to Friday, 10am to 5pm, excluding weekends and public holidays.

In light of the government restrictions, we will waive any fees/penalties for rescheduling, cancellations or requests for full or partial refunds during this period. Upon refunding, your membership will be discontinued. All monthly subscription membership payments or in-house instalments that fail to be debited will also be discontinued. Please see our refund policy below for more information.

 

REFERRALS & OUR AFFILIATES

Before registration, if you have been referred by one of our staff, members or affiliates to our webinars or workshops, please use the designated affiliate links provided by your friend or referrer to register. For more information regarding our affiliate program, please look for the GIM Friends section below.

 

REGISTRATION

Please enter your information correctly during any of our registration processes, so that the information on our registration is correct and as your login credentials will be tagged to this email.

Our GIM Bootcamp classes will now be conducted live ONLINE via Zoom. We have provided the Pre-Recorded Version of our GIM Bootcamp Class on Teachable for all new registrants who signed up after 21 Apr 2020 onwards to familiarise themselves beforehand. Please be informed that the pre-recorded and live bootcamp content is exactly the same.

Nearing the class date chosen, we will send you the links to join the session on Zoom, you are recommended to have a computer, stable internet connection, webcam and microphone ready before the online class. Computer and internet access are required!

Do contact us if you have any issues during the registration process.

Upon successful registration and payment, you will receive a Welcome email with more information and your membership access immediately.

For those who have yet to complete payment, more information about how to go about completing your payment will be sent via email as well.

For any free or paid webinar registration, completion of order and payment to our courses, you automatically acknowledge and agree to this Course FAQ and Policy, Privacy PolicyCourse Terms and Conditions, and PDPA terms

 

PDPA

By contacting us or registering for any of our workshops or courses, you acknowledge that personal information provided by you will be used for the facilitation of your registration and learning in accordance with the Personal Data Protection Act 2012, Singapore and any International Privacy Laws. 

Please read our full PDPA Terms here

Please read our Privacy Policy here

 

PAYMENT

We accept the following payments in Singapore Dollar:

  • Credit/Debit Cards (Visa, Mastercard, American Express, JCB, Discover Diner's Club) via Website Only
  • 3-Part Instalment Option via bit.ly/gimsignup 
  • Instalments (Please select credit card and charge the full amount first)
  • Bank Transfer (To OCBC a/c no: 712-850270-001) c/o "10x Capital Pte Ltd"
  • PayNow (UEN: 201827671K) c/o "10x Capital Pte Ltd"
  • Cash
  • Cheque (Made Payable to “10x Capital Pte Ltd”)

Please read our payment instructions carefully at checkout.

Shopify Payments, Paypal and Stripe Terms and Conditions apply, you may read more about them here

Our company "10x Capital Pte Ltd" is NOT currently GST registered. Therefore, all products and services listed on this website are NOT subject to a Goods and Services Tax of 7% which would be included in the listed prices unless otherwise stated.

Upon successful payment, please ensure you have received a copy of your receipt via email. Note that any billing information stored is encrypted and processed by our payment partner, Shopify Payments and Stripe.

If you have selected any one of our manual payment options (Cash, Cheque, Bank Transfer and PayNow), please understand that we will require further verification of payment before we fulfil your registration and enrolment. Please notify us if you have made payment, to help us serve you better.

By registering, you agree to our payment terms. If we do not receive full payment. Your order will be voided and we reserve the right to cancel your registration or membership access without prior notice.

Please contact us at info@10x.sg or contact us at +65 8753 3651 (During Office Hours) if you have any issues regarding payment.

 

INSTALMENTS

We offer a 3-Part Instalment Option via bit.ly/gimsignup. To select this option, under the Credit Card Details, select instalment subscription. You will be billed the instalment amount to your Credit Card automatically on the day you made the first payment for an additional 2 months.

Alternatively, for 12 month instalments, we have done away with physical terminal machines and seek your kind understanding if you wish to make payments via instalments. To do so, select "Credit Card" at checkout and pay the full course fee amount first.

When the transaction has been posted or reflected on your credit card statement (2-3 working days), you may contact your bank or apply online (depending on bank) to split the transaction into monthly instalments (up to 12 months in most cases). 

Any processing fees charged by your bank will be reimbursed by us. Please let us know how much you've been charged and a screenshot (as proof) of the charge and we will refund you the fees charged and provide you a Rebate Voucher.

For more information regarding this program and how to apply, select your credit card issuing bank's program links below:

DBS & POSB Bank: bit.ly/gimdbs
OCBC Bank: 
bit.ly/gimocbc
UOB: 
bit.ly/gimuobsmartpay
Standard Chartered Bank: 
bit.ly/gimscbeasypay
Citibank: https://www.citibank.com.sg/loans/paylite/index.htm

 

For our In-House Instalment Programme and GIRO has been discontinued WEF 1 Jun 2020.

For 3-Part Payments and Credit Card Instalments opted after purchasing via bit.ly/gimsignup, No Processing Fees will be rebated to you for the above programme.

 

GIM FRIENDS AFFILIATE PROGRAMME

The GIM Friends affiliate and referral programme reintroduced in June 2020 now benefits both past participants and new participants by growing a close knitted community of like-minded individuals who can grow and learn from each other. Invite your friends and family into the GIM community and be rewarded for your efforts.

To refer any of your friends and family, please email us at info@10x.sg or join the gim-friends channel within Slack and we will provide you more information about the program and how to obtain a unique affiliate link for your friends and family to register with.

To login or create an affiliate account, head over to the GIM Friends Portal here: thefulltimeinvestor.com/gimfriends

If you do not have an affiliate link or signed up previously, please contact us and provide your friend or family member's name, so we can verify and update your referral count.

If your referral does not appear in the portal. You may contact us directly to enquire your current tier status and payout due as only sign-ups using your unique link will appear in the portal.

As for payouts, WEF April 2020, Referral Payments will be paid out at the end of each month, after the participant has attended or has been fulfilled after the Virtual Bootcamp date. Affiliates who have use their GIM Friends account and affiliate links will have their referrals populated into the portal. Please find the referral payout structure below:


Referral Fee Payout Structure:

$160/pax for all the first 5 referrals.

$200/pax for the next 6 to 9 referrals.

$250/pax for the 10th referral onwards (Does not Reset).

And for every 10 sign-ups, 1 year of FTI Community membership will be added to your current subscription or reactivated if your membership was cancelled.

The No. of Pax towards the Tier system is valid for a lifetime. However, the free 1 year membership will only be added for every 10 new referral sign-ups.

Any referral made since Sep 2018 will be counted into the above Tier system. Legacy GIM Family discount sign-ups will not receive any referral payout but as a gesture of goodwill, they will be counted towards the Tier system.

WEF 1 July 2020, the GIM Family Discount will be discontinued as we shift online and introduced the new GIM Friends affiliate programme.

Payment of referrals will be made directly via PayNow or to your bank account. Please furnish us your bank or PayNow details so we can issue your payout accordingly. 

Once payment has been issued at the end of each month, an affiliate statement will be produced and sent via Whatsapp or email for your reference.

No referral fees shall be paid out to participants who have received a discount on their course fees. Any decision will be at the discretion of 10x Capital Pte Ltd.

In the event a participant has multiple referrers, any payout decision will be at the discretion of 10x Capital Pte Ltd after the case has been reviewed.

Any abuse of our referral program will lead to a suspended payment and subsequent blacklist. Any case or suspicion of fraud will be reported to the authorities.

For assistance, enquires or discrepancies on Finance Matters and Referral Payouts, please contact Alex at +65 9137 3748 for assistance.

 

CREDIT CARD ISSUES & FRAUD INDICATION

Our payment provider, Shopify Payments and Stripe have strict policies to safeguard against fraud. If you have made a chargeback on your credit card, you may be flagged by our payment provider.

Although your transaction is processed and charged as per normal, on our side, we will not receive the funds from our payment provider due to these safeguard measures.

If you fall into this category, we will notify you to cancel and refund your order. ALL REFUNDS WILL TAKE 5-10 WORKING DAYS TO PROCESS.

Please place another order and select "Bank Transfer" at checkout. We will confirm your registration immediately and fulfil your order once payment has been received.

Please check your email for the refund, confirmation and successful payment notifications.

If you do proceed with a chargeback or fail to pay monies owing to us. We reserve the right to cancel and void your registration and payment. There shall be no outstanding monies owed between both parties. Suspicious chargeback transactions constitute as fraud and we will report any cases to the Police.

Please contact us at +65 8753 3651 for any issues or questions regarding this.

  

TIMING

For Online Classes, please login and enter the session's waiting room at least 5 to 15 minutes before the indicated class timing. Once the class starts, you will automatically be transferred to the main session.

For Physical Classes, please arrive at the venue stated around 30mins before the indicated start timing of the workshop or course, for registration. We will proceed with our workshops and courses as scheduled without any delay. 

 

RESCHEDULING, TRANSFERS AND CANCELLATIONS

FREE WEBINARS, EVENTBRITE AND FACEBOOK

For Free Webinar, Eventbrite and Facebook events, we do not entertain any accommodation of rescheduling and transfers, please re-register using the registration link for the next event date or inform our customer service representative if you receive a call from us.

If you wish to cancel, please contact us at info@10x.sg or call us at +65 8753 3651 (During Office Hours). A refund (if any) may be issued, at the discretion of 10x Capital Pte Ltd within 7 working days. For Webinar and Eventbrite registrants, you may cancel directly within the Eventbrite website.

 

COURSES

ONBOARDING

You will be immediately onboarded to our membership and have access to Slack, Trello, GIM Investors Facebook Group and our course videos and past webinars on Teachable upon registration and complete payment. You will also be provided with a receipt your your purchase. For more information, please refer to the FTI Community Membership and Closed Facebook Group Sections below.

 

REFUND POLICY & MONEY-BACK GUARANTEE 

In light of COVID-19, we will waive any fees/penalties for rescheduling, cancellations or requests for full or partial refunds indicated below, at our own discretion.

If whenever, you have been offered a Money-Back Guarantee when purchasing any of our products or courses, we will honour your decision to cancel your registration for any valid reason and process a full refund within 7 working days from your request. 

If you wish to request your money back, you have a 30 day grace period from attending our class or starting membership to make the request.

If you are on a membership subscription with us, we will only refund you the remaining balance of unused subscription (for annual subscription payment). The amount refunded will be calculated based on being charged the monthly subscription rate for the amount of months used before the refund request. No refunds will be given to subscriptions paid on a monthly basis.

Unless specified, NO REFUNDS shall be provided once payment is completed, unless authorised at our discretion. However, we can re-schedule you. Please allow at least 7 to 14 days notice prior to our indicated class date.

Any notice less than 7 to 14 days may be subjected to an administrative fee (applicable to physical classes only) that must be paid before we reschedule you to cover any course materials and food. Without a valid reason, rescheduling is permitted up to a maximum of 3 times, after which you may forfeit your course fees to us.

You may keep any materials mailed to you. However, you are advised to return them to our office at 114 Lavender Street, #06-58 CT Hub 2 Singapore 338729

You may also transfer your course enrolment to another party (your designated proxy). Please provide us with his/her information and we will contact them to follow up directly. This transfer can only be made once.

Please contact us at info@10x.sg or call/text us at +65 8753 3651 (During Office Hours) if you wish to reschedule or transfer to your designated proxy.

  

COURSE NOTES AND RSVP

For the GIM Virtual Bootcamp participants, Please furnish us with your complete address (incl. unit no.) by emailing info@10x.sg so that we can ship your course notes via our printing partner at no additional charge.

If you have registered less than 2 weeks from the upcoming class date. We will only ship your notes after the class as we need lead time to process the shipping and verify your addresses. If you have an incomplete address, we will also contact you directly to provide us the remaining information.

As for the RSVP and to reconfirm your attendance, we will contact you via email or call/text us at least 2 weeks prior to our indicated class date. Please respond and RSVP accordingly. If you can’t make it, we will be happy to reschedule you to our next class.

If we don't receive any reply, we will automatically reschedule you to the next earliest class date. Upon rescheduling 3 times, you may forfeit the course fees.

For both online and physical classes, your attendance will be taken, so that we can fulfil your registration and start your membership after.

 

CATERED MEALS (For Physical Classes Only)

For our full-day courses and events, we will provide catered meals for Lunch and Tea Breaks. Please indicate your dietary preference when asked. Don’t worry, we will ensure you have something good to eat!

Due to the recent rise of food poisoning cases in November 2018 by irresponsible caterers. We would like to state that we ensure your safety to the best of our ability, by ordering from caterers who are reputable, licensed and certified. However, we shall not bear responsibility for any damages arising from such and you indemnify us from any such liability.

 

COURSE TIMING 

For Online Classes, please login and enter the session's waiting room at least 5 minutes before the indicated class timing. Once the class starts, you will automatically be transferred to the main session.

For Physical Classes, please follow the course timing indicated on the enrolment sheet or webpage. Allow yourself 30mins before the start timing to register and settle in.

Our course timings are indicative and may be extended or reduced without prior notice on the day itself. However, we will inform you of any changes to dates or postponement due to unforeseen circumstances. Any cancellation by us will result in either full, partial or no refund.

  

THINGS TO PREPARE (For Online Classes)

  • Laptop, Tablet or iPad Device with Charger
  • Zoom installed on your device or web browser
  • Webcam and Microphone
  • Stable Internet Connection
  • Writing Materials and Provided Course Notes
  • A Snack/Drink on standby and Lunch meal prepared.
  • An Open Mind!

Note: Only 1 device should be connected to the Zoom session at any time as we need to use breakout rooms.

 

THINGS TO BRING (For Physical Classes)

  • Laptop, Tablet or iPad Device with Charger (Power and WIFI is provided)
  • Writing Materials
  • Water Bottle (Drinks will be provided during Lunch and Tea)
  • Sweater/Jacket (If you feel cold easily)
  • An Open Mind!

 

CGS-CIMB ACCOUNT

During the screening portion of the class, we will use the stock screener software provided by CGS-CIMB. 

If you wish open an account, please follow the instructions here

If you do not manage to open account, we will provide a pre-screened excel sheet, opening an account is no longer mandatory.

 

COURSE MATERIALS

Course materials such as a guide and booklet will be provided if applicable. This is to complement the teaching and guidance provided during the course.

For Online Classes, this may be delivered to your home (see Course Notes & RSVP section above) or in the form of a downloadable workbook, worksheet or presentation slide.

These materials are subjected to copyright. No material shall be reproduced, stored or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise without written permission from 10x Capital Pte Ltd and/or the author/publisher.

It is illegal to copy, post online, or distribute any material provided physically or digitally without written permission from 10x Capital Pte Ltd and/or the author/publisher.

  

RECORDING, PHOTOGRAPHY & VIDEOGRAPHY

All our Zoom Sessions will be recorded for internal purposes only and will be uploaded to our Teachable site when needed.

Personal screen recording via Zoom, mobile or desktop device is not permitted during any of our classes, tutorials or sessions. However, screenshots may be taken for your personal use only.

Photography and videography is allowed during our physical events, workshops and courses for your own individual use and reference only. Any sharing or publication of our material, including photos taken by you, without our consent and acknowledgement is not permitted. Please read the Disclaimer, Copyright and Intellectual Property (IP) section below for additional details.

 

MARKETING & PUBLICITY

During any of our events, workshops and courses, 10x Capital Pte Ltd is allowed to take and use photographs and/or videos of any attendees for marketing purposes without prior permission, unless specifically denied by the person(s).

10x Capital Pte Ltd is also allowed to use any content shared and/or published within our community domains (i.e Slack, Trello and Facebook Group) by our participants, students, graduates, staff and/or members for marketing purposes without prior permission, unless specifically denied by the person(s).

 

POST-SUPPORT MATTERS

COMMUNITY GUIDELINES

We commit to ensure that our GIM Community remains a safe, comfortable environment for members and our team to grow and learn together.

We are happy to share this credo as members and trainers alike in the GIM community.

We do not post, share or make derogatory, racial, defamatory, misleading and/or illegal content within our community and to our members.

We do not directly or indirectly solicit and/or promote any business (e.g., products, programs, or services) for our own (or other external parties’) benefit, whether to this GIM community, or separately/privately to any members. If we feel we have something that benefits this community, we will first share and discuss with Kelvin and Jonathan how we can make such opportunities available to this GIM community.

We do not directly or indirectly engage in any business activities in any territories which competes with the business of the Company during and after any of our events, workshops, courses or classes.

Having signed (electronically) and acknowledged our Terms and Conditions at the time of joining this community, we understand such posts (described above) would result in immediate suspension. The GIM Team reserves the right to remove any individual from this GIM community and revoke membership access (with no entitlement to refund or monetary compensation from the course fees paid).

We also know that monetary damages shall be inadequate to compensate the 10x team for any serious breach. We shall be entitled to injunctive relief, in addition to any other remedies at law or equity, should the breach occurs. Legal action may be taken against you if necessary.

We understand that 10x Capital Pte Ltd, the Full-Time Investor and Growth Investing Mastery takes a strong stance and maintain a zero tolerance policy against such serious offences and this is for the protection of the GIM community, to keep this a safe, positive place for like-minded investors.

 

CLOSED FACEBOOK GROUP (GIM INVESTORS & DIM)

For post-support and networking, we will provide you an invite link to join our closed Facebook group after completion of our course. If you have not yet joined the group, please contact us immediately and we will verify and add you.

Advice, discussions and updates will be held within this group. All future events and community gatherings (if any) will also be posted within this group.

You are welcome to stay in this group even after your membership expires, however your access on our membership site, GIM Online may be restricted due to your expired membership status.

This Facebook group will also be used to stream the bootcamp resit. If you haven't join this group yet, please visit bit.ly/giminvestors

 

FTI COMMUNITY MEMBERSHIP

GIM is part of the extended Full-Time Investor Community family. FTI Community is a membership portal, hosted on Teachable that enables you to view our full course content including the GIM Bootcamp Class, register for monthly webinar gatherings, read exclusive case studies and watch recap videos on computer, on mobile or app (iOS only).

We will provide you with a Teachable account and login details upon registration. If you are an existing teachable user, “FTI Community (1 Year Support)” will automatically appear under your enrolled courses. 

Your membership is valid for 1 year from the start date stated in the welcome email or your GIM Bootcamp Class date, whichever later. It is important that you provide us with your correct email address as it will be your login username.

Nearing expiry of membership, we will notify and invite you to subscribe unless you have informed us to cancel your membership. Upon cancellation, you will only be able to access our Facebook Group. However, you may renew your membership any time thereafter and picked up where you left off. Upon renewal, membership access to Teachable and Slack will be reinstated.

No Refunds will be provided after 30 Days. If you are on an annual membership subscription with us, we will only refund you the remaining balance of unused subscription. The amount refunded will be calculated based on being charged the monthly subscription rate for the amount of months used before the refund request. No refunds will be given to subscriptions paid on a monthly basis.

Any subscription and renewal offer will be directly sent to you via email.

Please contact us at +65 8753 3651 or by filling up this form or email us directly at info@10x.sg for matters regarding FTI Community Support.

 

RESIT

You may join any of our Virtual Bootcamps as a recap or sharing session. This applies to any course that you have attended previously. Please keep a lookout on Slack #announcements for any upcoming resit sessions.

During the resit weekend, we will stream our Virtual Bootcamp session via Facebook Live for GIM Graduates at bit.ly/giminvestors.

For physical resits, priority will be given to those who were only able to attend the online version of the class.

Currently, due to COVID-19, we are looking at Phase 3 or later to resume large gatherings, classes and resit sessions. We will keep you updated on this.

During the duration of the class, resits can join or leave any time . However, as a resit, food, materials and course notes will NOT be provided to you as there is no cost to you or any obligation from us.

The same Disclaimer, Indemnity, Copyright, Intellectual Property (IP), Photography and Videography restrictions apply to you as any participant.

 

DISCLAIMER, INDEMNITY, COPYRIGHT AND INTELLECTUAL PROPERTY (IP)

EARNINGS DISCLAIMER

Please view our separate Earnings Disclaimer here

 

GENERAL DISCLAIMER AND INDEMNITY  

You confirm that you have been explained the scope and extend of the Event/Class and you acknowledge that the effectiveness of the Event/Class provided to you depends on facts not under our control and the profitability of the same is not guaranteed.

You agree to take personal responsibility in analysing and selecting any investments. We shall not be responsible for any investment losses incurred by you.

You also release and indemnify us, our employees, agents and service providers from any and all claims, suits, proceedings, liabilities, damages, losses, compensation, costs and expenses whatsoever in any way arising out of or resulting from your attendance or participation in the Event/Class including, without limitation, any and all claims, actions, and liabilities for death, injury, loss or damage to you, anyone else or to any property.

 

COPYRIGHT 

All information and materials provided by us, whether digitally or physically delivered are subjected to copyright. No material shall be reproduced, stored or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise without written permission from 10x Capital Pte Ltd and/or the author/publisher.

It is illegal to copy, post online, or distribute any material provided physically or digitally without written permission from 10x Capital Pte Ltd and/or the author/publisher.

 

INTELLECTUAL PROPERTY (IP) 

You agree and acknowledge that all the rights and interests to all the intellectual property relating to the Materials, the Event/Class Services and/or developed or arising therefrom (“Intellectual Property”) belong to us (and/or the Event/Class presenters) and you shall not in any way, directly or indirectly, copy, reproduce, sell, supply, make available, disclose or otherwise deal with or use (except solely  for personal non-commercial purposes) the Materials or the Intellectual Property. Any disclosure of information relating to the Materials and/or Event/Class Services to other organisations/ individuals requires written permission from us.

It is illegal to use the information generated by us for commercial gain.

Please read the full Course Terms and Conditions that you have acknowledge here

  

GIM HEROES & AVENGERS

As a GIM Hero, you will be part of a team that is empowered to deliver a great learning experience for our participants. We help the trainers in logistics, administration, and food. This can be done through volunteering you time during weekends, sharing on our Facebook page or supporting us during the scheduled Post-Support gatherings.

To keep you posted, we will post such requests on Slack from time to time. Just fill up the form and you are good to go!

As a GIM Hero, free meals and course notes and materials will be provided to enable you to help others, but we wish to see your full commitment to help those in need. Or for online classes, a $20 lunch allowance will be provided via PayNow if you volunteer for at least half a day.

Do note that our Disclaimer, Indemnity, Copyright, Intellectual Property (IP), Photography and Videography restrictions apply to all members of staff including full-time employees, freelancers and volunteers.

 

 

  

ANY OTHER QUESTIONS?

Please contact us at +65 8753 3651 or by filling up this form or email us directly at info@10x.sg or product@10x.sg

 

 

ADDITIONAL LINKS

 

Last Updated: 22 Jun 2020