Terms & Conditions

Silent Wealth Systems

Effective Date: 12 October 2026

These Terms & Conditions govern the use of the Silent Wealth Systems website and the licences granted for educational digital products and materials supplied under this brand.

They apply across our Trading, Investing, Wealth, and Business product categories, including any products subsequently released within those categories.

Only products expressly identified as available for purchase can be ordered.

References to future products or “coming soon” categories do not constitute a purchase offer or

a commitment to a particular release date.

Purchases are made through Lemon Squeezy and are also subject to the applicable buyer terms presented at checkout. These Terms do not replace those purchase terms or

restrict mandatory consumer rights.

Please read these Terms before using our materials or purchasing a product.

1. Business Information

This website is operated by:

Molnárfi Márton e.v.
Trading as Silent Wealth Systems
1034 Budapest, Bécsi út 88–90., Hungary
hello@silentwealthsystems.com

In these Terms, “we”, “us”, and “our” refer to Molnárfi Márton e.v., operating under the brand

Silent Wealth Systems.

We create and supply the educational materials and grant the applicable product licences.

Purchases are processed through Lemon Squeezy, which acts as Merchant of Record and authorised reseller. The purchase transaction is also governed by the Lemon Squeezy buyer terms presented at checkout.

These Terms govern the use of our website and materials and the licence granted by us.

They do not replace Lemon Squeezy’s applicable purchase terms or

restrict mandatory consumer rights.

2. Nature of the Products

Silent Wealth Systems provides educational digital materials across

Trading, Investing, Wealth, and Business.

These may include written guides, frameworks, checklists, worksheets, templates, dashboards, and other resources covering:

trading processes, execution, review, and risk management;
investing, portfolio structure, allocation, and long-term decision-making;
personal finances, budgeting, saving, and capital planning;
business planning, operating processes, resource allocation, and decision review.

The specific contents, file formats, functionality, and technical requirements of each product are described on its product page.

All materials are educational and informational. They do not constitute personalised financial, investment, trading, legal, tax, accounting, or other regulated professional advice.

Templates and examples are learning tools. They do not replace professional advice, statutory records, legally required documents, or an assessment of your individual circumstances.

You are responsible for your decisions and for assessing whether an approach is appropriate for your circumstances. This does not limit our obligations concerning the agreed description, supply, or conformity of a purchased product.

3. Eligibility

To purchase our products, you must be at least 18 years old and have the legal capacity to enter into the relevant contract.

You must use the website and materials lawfully.

If you purchase on behalf of a business or organisation, you must have authority to act on its behalf. The purchase does not automatically grant a team, multi-user, redistribution, or

client-service licence.

4. Orders and Purchases

Purchases are made through the Lemon Squeezy checkout linked from this website.

Before completing your purchase, please review the product description, included materials, licence restrictions, delivery arrangements, and total checkout price, including applicable taxes.

Payment methods available for your order are displayed at checkout. Where PayPal is offered, it is a payment method within the Lemon Squeezy checkout.

Order acceptance, payment processing, receipts, and transaction-related matters are handled through Lemon Squeezy under its applicable buyer terms.

An order may be declined or investigated where there are reasonable grounds to suspect fraud, an unauthorised payment, or other unlawful activity. Any cancellation of an accepted order remains subject to applicable law and the relevant purchase terms.

We may change prices, offers, and product availability for future purchases. Such changes do not alter the agreed price or terms of an already completed purchase.

5. Digital Delivery

Our products are digital materials unless the relevant product description expressly states otherwise.

The product description and checkout information explain the applicable delivery method and timing. Materials may be supplied through download links, order confirmation pages, email, or a customer portal.

Please provide an accurate email address and ensure that your device and software meet any requirements stated in the product description.

If you do not receive your purchase confirmation or cannot access the supplied materials,

check your spam folder and contact hello@silentwealthsystems.com with your order details.

Please do not send passwords or full payment-card information.

We will assist with access issues relating to our materials and, where necessary, coordinate with Lemon Squeezy.

Nothing in this section excludes any mandatory rights relating to failure to supply digital content or content that does not conform to the contract.

6. License and Permitted Use

Unless a different licence is expressly stated before purchase, a purchase grants a limited,

non-exclusive, non-transferable, non-sublicensable licence for use by one authorised individual.

That individual may use the materials for personal purposes and for internal planning, analysis, and decision-making within their own business or the purchasing organisation.

Permitted use includes:

downloading and storing the purchased files;
making reasonable backup copies;
printing copies for the authorised individual’s own use;
completing worksheets and adding personal notes;
adapting templates for the authorised individual’s own internal use, where the supplied format permits this.

You may apply the ideas to your own decisions and create your own original records and

analyses. This does not grant permission to distribute our underlying materials.

Without a separate written licence, you may not:

share the original files, substantial extracts, or access credentials with others;
resell, sublicense, publish, or redistribute the materials;
distribute modified versions of our materials;
incorporate our materials into products, courses, paid training, or client deliverables;
provide multiple users with access to a single-user purchase;
remove or misrepresent copyright notices or authorship.

Any additional permitted use or product-specific restriction must be expressly stated before purchase.

The licence is subject to the suspension and termination provisions in Section 17 and

applicable law.

7. Intellectual Property

The original text, documents, designs, graphics, branding, and other protected content supplied under Silent Wealth Systems are owned by or licensed to Molnárfi Márton e.v.

A purchase grants the applicable usage licence; it does not transfer ownership of

our intellectual property.

Third-party materials and references remain subject to their respective owners’ rights.

We do not claim exclusive ownership of general ideas, publicly available facts, or

methods that are not protected by intellectual property law.

Your original entries, business records, and analyses remain yours.

They do not grant you ownership of the underlying Silent Wealth Systems template or

other protected material.

8. No Financial Advice

All website content and products are educational in nature.

Nothing contained on this website or within any Silent Wealth Systems product should be interpreted as:

a recommendation to buy or sell financial instruments
investment advice
trading advice
a promise of financial results
a guarantee of profitability.

The materials are designed to provide structured thinking frameworks only.

You remain solely responsible for your trading, investment, personal financial, and

business decisions.

9. Risk Acknowledgement

Trading and investing involve substantial financial risk.

Losses may occur, including the loss of your entire capital.

By using this website or purchasing any product, you acknowledge that:

financial outcomes are uncertain
past performance is not indicative of future results
no framework, system, or methodology can guarantee profit
you use the materials at your own discretion and risk.

You should never trade or invest money that you cannot afford to lose.

10. Accuracy and Product Conformity

We aim to provide clear, carefully prepared educational materials.

Educational examples may simplify real-world situations. Information may become outdated, and no material can account for every market, personal, business, or legal circumstance.

We do not guarantee financial results, business success, or suitability for an objective that has not been expressly agreed.

Purchased products must nevertheless conform to the applicable contract and product description. Nothing in these Terms excludes mandatory obligations concerning supply, functionality, conformity, or legally required updates.

Additional editions, new modules, ongoing support, and future upgrades are included only where expressly stated in the product description, without prejudice to mandatory legal obligations.

If you identify an error or a problem with a purchased product, contact hello@silentwealthsystems.com with your order details and a description of the issue.

11. Refunds and Cancellation Policy

Unless a product page expressly offers an additional refund arrangement, we do not offer a voluntary change-of-mind refund policy beyond applicable statutory rights and

the applicable Lemon Squeezy purchase terms.

This does not affect your mandatory rights if digital content is not supplied, is defective, or

does not conform to the contract.

Where applicable law provides a withdrawal period, including the usual 14-day period for eligible EU consumer purchases, that right remains available unless a lawful exception applies.

For digital content supplied without a physical medium, the withdrawal right may be lost once supply begins only where all applicable legal requirements have been met. These include your prior express consent to supply during the withdrawal period, your acknowledgement that this will result in losing the withdrawal right, and the required confirmation of that consent and acknowledgement on a durable medium, such as email.

Merely visiting this website, accepting these Terms, or completing payment does not by itself satisfy those requirements.

To request assistance with a refund, withdrawal, non-delivery, or defective materials, contact hello@silentwealthsystems.com and provide your order details. Transaction refunds are handled through Lemon Squeezy, subject to applicable law and its purchase terms.

Nothing in these Terms limits mandatory consumer remedies.

12. Chargebacks and Payment Disputes

If you experience a payment, delivery, or product issue, please contact hello@silentwealthsystems.com or Lemon Squeezy support so that the issue can be investigated.

Contacting us first is encouraged, but it is not a condition for exercising any statutory right or any dispute right available through your payment provider.

Payment disputes and chargebacks are handled through Lemon Squeezy and the relevant payment provider. We may provide relevant order, delivery, and support records for the investigation, in accordance with applicable data protection requirements.

Access associated with a refunded or reversed transaction may be adjusted where permitted by law and the applicable purchase terms. Raising a complaint or a legitimate payment dispute does not, by itself, constitute a breach of these Terms.

13. Prohibited Conduct

You agree not to:

use the website unlawfully
attempt to interfere with website functionality or security
scrape or extract content by automated means
impersonate another person
misuse the website or materials in violation of applicable law.

14. Third-Party Services

Our website and delivery processes use third-party services, including hosting, email,

consent-management, and checkout services.

Lemon Squeezy acts as Merchant of Record for purchases. Available payment methods,

including PayPal where offered, are provided through its checkout.

External websites and services may have their own terms and privacy notices.

Please review them before using those services.

We do not control the content or independent operation of external platforms.

This does not exclude responsibility imposed on us by applicable law or

affect your rights concerning a purchased product.

15. Limitation of Liability

Our materials support education and structured decision-making. They do not guarantee trading, investment, personal financial, or business outcomes.

To the extent permitted by applicable law, we are not responsible for losses resulting solely from your independent decisions, market movements, or use of the materials contrary to

their stated purpose.

This provision does not exclude responsibility for our own breach of contract or

other liability imposed by applicable law.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including applicable liability for intentional misconduct, death or personal injury, or

mandatory consumer rights relating to digital content.

Any liability and available remedies will be assessed under applicable law.

These Terms do not impose a blanket purchase-price cap on claims protected by mandatory law.

16. Responsibility for Misuse

You are responsible for using the website and materials lawfully and within the applicable licence.

If your unlawful conduct or breach of these Terms causes damage, any responsibility for that damage will be determined under applicable law.

This section does not impose an automatic obligation to reimburse all claims or legal costs, and

it does not require you to compensate us for losses caused by our own conduct.

17. Suspension and Termination

We may take proportionate action where there are reasonable grounds to identify a material breach of these Terms, unlawful redistribution, fraud, or a security threat.

Where appropriate, we will explain the issue and provide a reasonable opportunity to resolve it before terminating a product licence.

Immediate action may be taken where necessary to address an urgent security risk,

fraudulent activity, or ongoing unauthorised distribution.

Restrictions will be limited to what is reasonably necessary in the circumstances.

A legitimate complaint, refund request, or payment dispute does not by itself justify termination.

Any termination, related payment consequences, and available remedies remain subject to applicable law and the relevant purchase terms.

18. Privacy

Our Privacy Policy explains how personal data is collected and processed in connection with

our website, communications, and product support.

Acceptance of these Terms does not constitute consent to optional marketing or

non-essential tracking.

Where consent is required, it is requested separately and may be withdrawn through the relevant controls or by contacting us.

Lemon Squeezy and other independent service providers process data under their own applicable privacy notices.

19. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

20. Entire Agreement

These Terms govern the use of our website and the product licences granted by us.

For a purchase, the relevant product description, any expressly agreed product-specific terms, and the applicable Lemon Squeezy buyer terms must also be considered.

Nothing in this section removes binding pre-contract information, express commitments made before purchase, or mandatory consumer rights.

These Terms do not override Lemon Squeezy’s obligations as Merchant of Record or

replace its applicable purchase terms.

21. Governing Law

These Terms, insofar as they govern our website and the licences granted by Molnárfi Márton e.v., are governed by Hungarian law.

If you are a consumer, this choice of law does not deprive you of mandatory protections applicable under the law of your habitual residence.

The competent courts and available dispute-resolution procedures are determined under applicable law. Nothing in these Terms requires a consumer to bring proceedings exclusively in Hungary where mandatory jurisdiction rules provide otherwise.

The separate purchase transaction with Lemon Squeezy is also subject to its applicable buyer terms and mandatory law.

22. Changes to These Terms

We may update these Terms for future website use and future purchases. The updated version will be published with a revised effective date.

An update does not retrospectively change the agreed licence, price, or other contractual rights relating to an earlier purchase.

Changes to an existing contractual relationship require an applicable legal basis or

a valid agreement and must comply with any mandatory notice, consent, and

termination requirements.

23. Contact

For questions, product support, or complaints concerning our website or materials, contact:

Molnárfi Márton e.v.
Trading as Silent Wealth Systems
1034 Budapest, Bécsi út 88–90., Hungary
hello@silentwealthsystems.com

For purchase-related enquiries, please include your order number, the product name, and

a description of the issue. Do not include passwords or full payment-card details.

Payment and transaction matters may also require assistance from

Lemon Squeezy as Merchant of Record.