Terms and Conditions
These terms apply to marciusvan.com, to Marcius van Antwerp's content on social media, and to every programme, challenge, event and educational product offered through them, including the Money Reset Challenge. By using this website or registering for any offer, you agree to them.
1. Who we are
marciusvan.com is the personal website of Marcius van Antwerp. It is operated by Marcius van Antwerp CC, part of the 4AM group of companies, which runs the programmes, challenges and educational products you'll find here.
2. Education, not personal financial advice
Everything Marcius shares, on this website, in his programmes and challenges, at events, in emails and on social media, is general information and education. It is not personalised financial advice. It does not take your objectives, financial situation or needs into account, so please don't act on it as if it were advice written for you.
Marcius is a registered representative of 4AM Wealth (Pty) Ltd, an authorised Financial Services Provider (FSP 47249). That does not turn his public content into advice. He cannot assess each person's situation individually through a video, a post or a group programme. If you want advice on your own circumstances, speak to a registered financial adviser.
Where a programme includes a one-on-one session with a licensed adviser, any advice in that session is given by 4AM Wealth under its licence and its own terms (see section 5).
3. What we promise, and what we don't
We do not guarantee financial results. That includes investment returns, the growth or preservation of capital, a specific amount saved, debt cleared by a certain date, or any other financial outcome. Your results depend on your income, your circumstances, your decisions, the markets and time, and those are not things we control.
What we do promise is the work we put in front of you. The principles we teach are sound, they are taught in the right order, and every programme is built to help you apply them to your own numbers.
For the Money Reset Challenge, that promise is specific: complete every module and you finish with your Freedom Blueprint filled in, line by line. Your full scorecard, an automated money flow, a debt plan with an end date, a defence fund plan, a monthly investment plan, your freedom numbers and date, and a family protection plan. You leave with clarity on where you stand and a written plan for what comes next.
The principles work when they are applied. What happens after a programme depends on whether you keep the habits and stick to the plan. You remain responsible for your own financial decisions.
4. Programmes, challenges and events
- What each offer includes, its dates and its price, if any, are shown on its page before you register or pay.
- Refunds for paid programmes and challenges are covered by the refund policy below.
- Your access is personal. Please don't share logins, recordings or materials.
- We may need to change a date, format or session. If we do, we'll let registered participants know.
- Event tickets are subject to the terms on that event's page.
Refund policy
This applies to paid programmes and challenges, including the Money Reset Challenge, unless the offer's page says otherwise.
- You can cancel within 7 days of paying for a full refund.
- After 7 days, payments are non-refundable.
- If you can't make your intake, you can move your spot to the next one, once.
- To cancel or move your spot, email marcius@marciusvan.com. Refunds are paid back to the card you paid with.
5. If you do business with 4AM Wealth
Financial services, including financial advice, intermediary services, discretionary portfolio management and investing through the 4AM Wealth app, are provided by 4AM Wealth (Pty) Ltd, an authorised Financial Services Provider (FSP 47249, Category I and Category II). They are not provided by Marcius van Antwerp CC.
If you become a client of 4AM Wealth through this website, a programme, a challenge or an event, 4AM Wealth's Terms and Conditions apply to that relationship, together with any mandate or application form you sign. In summary:
- Investing involves risk, including the loss of capital. Capital preservation and returns are not guaranteed, and past performance is not an indication of future performance.
- All fees are disclosed to you in writing before anything is implemented.
- 4AM Wealth has no discretionary authority over your investments without a signed mandate.
- Your assets remain yours and are held with approved product providers, custodians or platform administrators.
Nothing in any programme obliges you to invest with 4AM Wealth. The principles work wherever your money sits.
6. Your personal information
Details you submit through forms on this website go to 4AM Wealth and are processed in line with POPIA and 4AM Wealth's Privacy Policy. You can unsubscribe from our messages at any time.
7. Content and intellectual property
All content on this website and in our programmes, including videos, frameworks, the Freedom Blueprint and course materials, belongs to Marcius van Antwerp CC. You may use it for your own personal purposes. You may not copy, resell or redistribute it without written permission.
8. Social media
Some of Marcius's content is made for entertainment. Opinions are his own, and any examples or figures are illustrations, not projections.
9. Limitation of liability
To the extent the law allows, Marcius van Antwerp and Marcius van Antwerp CC are not liable for any loss arising from decisions you make based on general content, or from the actions of third parties. Nothing in these terms limits any right you have under the Consumer Protection Act, the FAIS Act or any other law that cannot be excluded.
10. Complaints
About a programme, challenge or this website: email marcius@marciusvan.com.
About financial services from 4AM Wealth: write to the Complaints Officer, Shawn Taljaard, 4AM Wealth (Pty) Ltd, 6 Daventry Street, Lynnwood Manor, Pretoria 0181, or email complaints@4amwealth.co.za. Complaints are acknowledged within 48 business hours, and 4AM Wealth aims to resolve them within six weeks. If a complaint isn't resolved to your satisfaction, you may refer it to the Office of the FAIS Ombud (www.faisombud.co.za, 012 762 5000) within six months of the final response.
11. Changes and governing law
We may update these terms from time to time. The version on this page applies. These terms are governed by the laws of the Republic of South Africa.