General Terms and Conditions of Sale

Effective as of: Wednesday, July 1, 2020

These General Conditions of Sale ("GCS") are intended to govern all the rights and obligations of the parties in the context of all transactions concluded for consideration on the site.

The site is the exclusive property of the company INVESTOR DEAF SÀRL, active since 19/06/2020, whose registered office is Industriestrasse 53, 312 Steinhausen, SWITZERLAND. It is registered with the Register of Commerce and Companies under the number CHE-461.772.507.

By subscribing to any product and / or service presented on the site, customers declare to adhere unreservedly to these general conditions of sale.

These general conditions constitute the entirety of the rights and obligations of the parties in the context of their contractual relations.

No specific condition, at the customer's initiative, can be added to and/or replace the present general conditions.

The fact that the site does not take advantage of a breach by the customer of any of the obligations contained herein shall not be interpreted for the future as a waiver of the obligation in question.

ARTICLE 1. Purpose of the contract

The customer acknowledges having read these General Terms and Conditions of Sale prior to any use and/or subscription of any products and/or services on the website.

Consequently, any use of and/or subscription to any products and/or services on the site entails full and complete acceptance of these General Terms and Conditions of Sale and of any special conditions for each service presented on the site

Validity of the GTC. Any modification of the legislation or regulations in force, or any decision of a competent court invalidating one or more clauses of the GTC shall not affect the validity thereof, and such modification or decision shall in no case authorize the Customers to disregard the GTC. The nullity of a contractual clause does not entail the nullity of the GTC as a whole. The temporary or permanent non-application of one or more clauses of the GTC by INVESTOR DEAF SARL shall not constitute a waiver on its part of the other clauses of the GTC, which shall continue to have effect. If a condition is not covered in the GTC or by the law applicable to the Client, it shall be governed in accordance with the usage in force in the e-business sector for private individuals.

ARTICLE 2: General conditions of participation and/or subscription to the services presented by the site

The services offered on the website are for information and experience sharing purposes and cannot be considered as coming from a financial professional such as, for example, a chartered accountant, a lawyer, a tax expert, or an independent wealth management consultant.

The client is solely responsible for the use he makes of the services offered by the website and INVESTOR DEAF Sàrl, its manager and/or partners, its employees and/or any other person involved in any of the services offered on the ruggiero-orgadeaf. shall not be held liable for any consequences whatsoever of any malicious, inappropriate or illegal use and/or application of these services by the Customer, in any manner whatsoever.

The services offered on the site are intended for a non-professional and professional audience.

It is therefore forbidden to register for the program or a product offered by in order to take advantage of the tools offered on the site, with a view to using, reproducing or disseminating, in any manner whatsoever and for any purpose whatsoever, the information, techniques, know-how and methods used and transmitted in the course of any service offered on the site. These elements are the property of INVESTOR DEAF SARL.

The client declares that he/she is perfectly aware that in the event of a false declaration of his/her non-professional or professional status, as defined above, and/or of the use, reproduction or dissemination, in any manner whatsoever and for any purpose whatsoever, of the information, techniques, know-how and methods used and transmitted in the course of any service offered on the ruggiero-orgadeaf., it shall be liable by operation of law for compensation equal to 75% of the revenue generated through the use of the information, techniques, know-how and methods used and transmitted in the course of any service offered on the website.

ARTICLE 3: Terms of placing orders

The placing of an order on the site is done via an online payment form on the site

The payment of the order is made via Paypal, Stripe, or any other secure online payment platform with equivalent guarantees, and therefore requires that the customer has a valid mailbox for sending and receiving. Otherwise, he/she will not be able to receive written confirmation of his/her order. The contractual information will be presented to him in English language.

It is however possible to proceed with the payment of the products or services offered by by bank transfer upon agreement of both parties.

The procedure for placing orders on the website includes the following steps:

- The customer selects the product he/she wishes to order.

- The customer is then redirected to the Stripe or Paypal secure payment platform, on which a summary of the order will be presented to him/her, including in particular the service chosen, the total price, his/her contact information, the delivery method, the payment method;

- After having checked that all the information on this page are in accordance with his expectations, read and accepted the GTC, the customer validates his payment.

The contract will be definitively concluded after the acceptance of the payment by the customer's bank. The date and time of effect of the contract takes effect at the acceptance of the payment by the customer's bank.

Payments in installments (payment facilities) are subject to a contractual agreement between the two parties and the customer must pay the full amount of the direct debits announced during the purchase.

After the final validation of the order, a confirmation e-mail summarizing all the elements related to it will be sent to the customer.

ARTICLE 4 Prices of products and services

All prices of services and products offered by the site are indicated in dollars or euros.

ARTICLE 5: Terms of execution and delivery of the order

The services and products offered on the site are delivered exclusively by electronic means, to the e-mail address indicated by the client when placing the order.

Consequently, INVESOR DEAF Sàrl shall not be held liable in the event of an error in entering the client's e-mail address when ordering.

Likewise, INVESTOR DEAF Sàrl or its representatives shall not be held liable for errors in content, viruses or any other element that may affect the integrity of the client's electronic system, or for any technical failure of its secure online payment system, of whatever kind.

The order will be delivered automatically by an autoresponder service (link allowing the creation of a member space) at the latest within twenty-four (24) hours from the date and time the customer placed the order, subject to the acceptance of the payment by his bank.

The customer must have an internet connection and a computer or tablet to access the services.

If the customer misplaces his identifiers when ordering, he can make a request within 48 hours for his member access to be reset.

In these cases, the subsequent provision of identifiers to the member platform will release the site from any liability to the client.

For products or services consisting of a subscription, the delivery is understood by the provision of the first module, session or document of the subscription concerned.

For products or services consisting of a training course (i.e. two or more training modules), the modules will be made available at the customer's own pace, unless otherwise expressly stated on the order page in the order confirmation e-mail.

In accordance with the legal provisions in force, the site guarantees the customer against any defects in conformity of the services and products delivered.

In case of lack of conformity or malfunction of one of these products or services, the customer must formulate by email, to the email address, no later than the second business day after the order, any claim.

Any claim made beyond this deadline and / or not made in the manner set out above will be rejected without possibility of appeal and will release the site of any responsibility to the customer.

ARTICLE 6 - Right of withdrawal

You have the right to withdraw from these GTC without giving any reason within fourteen days.

The withdrawal period expires fourteen days after the day of the conclusion of the contract. The fourteen-day withdrawal period runs from the day after receipt of the goods in the case of sales of goods and from the day after the conclusion of the contract in the case of services. When it expires on a Saturday, a Sunday or a holiday, it is extended until the next working day.

In order to exercise his right of withdrawal, the customer shall notify him within the above-mentioned period by e-mail to or by registered mail to Industriestrasse 53, 6312 Steinhausen, SWITZERLAND of his decision to withdraw from this contract by means of an unambiguous statement (e.g. letter sent by post, fax or e-mail). You may use the sample withdrawal form but this is not mandatory.

In order for the withdrawal period to be respected, it is sufficient that you send your communication concerning the exercise of the right of withdrawal before the expiration of the withdrawal period.

In the event of withdrawal, INVESTOR DEAF SARL shall reimburse all payments received from you, including any delivery costs, without undue delay and, in any event, no later than fourteen days from the day on which it is informed of the customer's decision to withdraw. We will make the refund using the same means of payment that you used for the initial transaction, unless you expressly agree to a different means; in any case, this refund will not incur any costs for you.

ARTICLE 7 - Commercial guarantee " 90 days satisfied or reimbursed for lack of results ".

A commercial guarantee can be proposed " If you have not learned and optimized your finances and investments within 90 days after your registration by applying my valuable advice. I will give you a full refund, no questions asked."

This commercial guarantee is applicable exclusively if mentioned in the sales page.

The guarantee is valid only if after 90 days from the order, the Customer demonstrates that :

He/she has consumed the entirety of the Training ;

He has attended the grouped coaching sessions (at least ¾);

He has participated in the animation of the community (with concrete actions that he has taken and demonstrated to try to achieve results)

He proves that he has put into practice the advice given in his business and the methods taught;

He proves that his knowledge and finances have not changed since the date of purchase.

The effective date and time of the guarantee is the date and time of the acceptance of the payment by the customer's bank. The 90-day period of this commercial guarantee is calendar, and includes the day of payment.

ARTICLE 8. General exclusions

With the exception of the right of withdrawal and the optional commercial guarantee, no refund is made after ordering the product.

No refund is made if there is a connection to the member platform. No refunds will be made after the product ordered has been downloaded in whole or in part. The refund of the ordered service is only possible, if such an option is mentioned on the sales page of the service concerned and under the conditions specified there.

The following are also expressly excluded from any possibility of reimbursement

Any request from a client who has refused to participate in all or part of the activities contained in the program prepared by the instructor.

Any request from a client who has refused to implement one or more of the instructor's recommendations.

Any request that is out of time.

Requests from companies or businesses.

Telephone advice, reservations for coaching sessions, conferences, seminars, as well as any event or product that does not explicitly bear the mention "satisfied or reimbursed" in the description on this site.

Subject to the customer's compliance with these formalities, the refund will be made within 48 hours.

ARTICLE 9 Information about the Affiliate Program

The affiliate program is reserved for members of the training, products and programs " ".


- Former customers who buy via an affiliate link will be invalid;

- Mass Spam is not allowed will be severely punished;

- Affiliation does not work during promotional periods.

The amount of commission received by the persons benefiting from the affiliate program is up to 30% (thirty percent) per sale, including VAT, affiliated. Sales made in several instalments (3 or 5 monthly instalments) will be commissioned progressively. The commission may be less than the above amount.

Affiliate program members have a complete dashboard where they can see their referrals, earnings and your account balance. All funds shown as "pending" in this account balance are held for 30 days to ensure that the referred customer does not request a refund, including exercising their right of withdrawal, or dispute the transaction before paying your commission. After 60 days of the hold, the funds will be available in the account balance and can be withdrawn.

ARTICLE 10 - Client's personal information

The various information requested from the client when placing his order is necessary for the processing thereof and may be communicated to the various contractual partners of INVESTOR DEAF SARL (accountants, lawyers, etc.), as well as to any competent authority, in the event of any dispute arising during the course of the contractual relations between the parties.

The data is stored on a reliable and secure server.

The personal data concerning them are subject to automated processing for the purposes of commercial prospecting and management of the service and customer relations. Clients are informed that this data may be subject to statistical analysis by INVESTOR DEAF SARL and may be transferred to third parties and partners if the client has expressly consented to this.

The information requested in the forms available on the site marked with an asterisk is mandatory and necessary for the management of client requests. Failure to answer a mandatory field will make it impossible to process the customer's request.

The relative personal data will not be kept beyond the time strictly necessary for the pursuit of the indicated purposes.

Certain data allowing to establish the proof of a right or a contract, can be the object of an intermediate archiving policy for a duration not exceeding the duration necessary for the purposes for which they are preserved, in accordance with the provisions in force. The customer or any person concerned by the processing has, according to the conditions of the applicable law, a right of access, rectification, limitation of processing, opposition to processing, portability, erasure as well as a right not to be subject to an automated decision including profiling. The data subject also has the right to withdraw consent at any time.

To exercise these rights, please contact Any person concerned by a processing operation has the right to lodge a complaint with the protection authority in his or her country.

ARTICLE 11. Communication and references Customer

By accepting the GCS, the client authorizes the reproduction and representation of photographs and videos in the event of shooting during an event organized by the company or at its initiative. Consequently, the client authorizes INVESTOR DEAF SARL to distribute the images taken during this event. The images may be exploited and used directly in all forms and on all known and unknown media without any time limit (press, brochure, display, Internet, etc.) for the promotion of the activities of INVESTOR DEAF SARL.

The client acknowledges that he/she is fully entitled to his/her rights and may not claim any remuneration for the exploitation of the rights referred to in this paragraph. The same conditions as those described in the previous paragraph shall apply to the image and/or copyright rights on the videos and photographs sent by the client to the company to give his opinion and/or testify on the company's products and services.

ARTICLE 12. Intellectual property

The products and services offered on the site, as well as, more generally, the entire content presented on this site, are and remain the property of the company INVESTOR DEAF SARL, according to the rules applicable to intellectual and industrial property.

Any reproduction, transfer or exploitation of any of these products and/or services, in any manner whatsoever, without the consent of their author, is formally prohibited and will result in the offender being subject to all the legal, criminal and/or civil consequences provided for by law.

In particular, access to the Training provided to the client is strictly personal, non-transferable and must not be shared with third parties in order to allow them to benefit from the contents of the Training.

ARTICLE 13. Applicable law

Subject to any imperative provision contrary which would be applicable to the consumers and non-professionals, any litigation concerning the interpretation or the execution of the present conditions of use is the competence of the Court of jurisdiction at the residence of the owner of the site. The place of jurisdiction is Steinhausen, Switzerland.

The team

For all your questions or complaints:

NOT FACEBOOK : This site is not a part of the Facebook website or Facebook Inc. Additionally, This site is NOT endorsed by Facebook in any way. FACEBOOK is a trademark of FACEBOOK, Inc.

Ruggieroorgadeaf - All rights reserved

Investor Deaf Sàrl - CHE-461.772.507

Réalisé avec