AstroBiz Mastermind
Terms of Enrolment

Participant Agreement

This Participant Agreement (“Agreement”) is entered into between Kathryn Hocking, trading as Business Astrology Academy (“Facilitator”, “we”, “us”) and the enrolling participant (“Client”, “you”).

By enrolling in the AstroBiz Mastermind (“Program”), submitting payment, or accessing Program materials, you agree to the terms set out below.

1. PROGRAM OVERVIEW

1.1 The Program is a six (6) month group mastermind. The Program Term commences on the date of the Client’s first payment and concludes six (6) months later, as extended under clause 1.1A (“Program Term”).

1.1A Scheduled annual pause. The Program observes a scheduled annual pause from approximately 21 December to 10 January, during which live calls and active support do not run. Where any part of that pause falls within the Client’s Program Term, the Program Term is extended by the length of the pause falling within it, so that the Client receives the full six (6) months of Program delivery.

1.2 The Program is delivered online and may include group coaching calls, community access, educational content, workbooks, templates, implementation sprints, and optional private mentoring, as outlined in Schedule 1 – Program Inclusions & Support Structure.

1.3 The Program is educational and advisory in nature only. It does not constitute financial, legal, tax, medical, therapeutic, or psychological advice, nor does it provide done-for-you services.

1.4 The Facilitator does not guarantee any specific outcomes, income levels, business results, or financial success.

2. PROGRAM TIER & INCLUSIONS

2.1 The Client is enrolling in the following tier (as selected at checkout): Core Mastermind / VIP Mastermind [delete as applicable]

2.2 Program inclusions are set out in Schedule 1, which forms part of this Agreement.

2.3 If there is any inconsistency between documents, the order of priority is: (a) this Agreement; (b) Schedule 1; (c) sales page and promotional materials.

2.4 The Facilitator may make reasonable changes to delivery, format, timing, content release schedule, or personnel involved in the Program where required, provided the overall value of the Program is not materially reduced.

3. FEES, PAYMENT & COMMITMENT

3.1 Program fees are as stated at checkout at the time of enrolment.

3.2 Payment may be made in full or via an instalment plan.

3.3 Instalment plans are a payment method, not a cancellation right. An instalment plan is a method of paying the total Program fee over time. It is not a subscription and does not create a right to cancel. The Client remains liable for the full Program fee for the six (6) month minimum commitment regardless of participation level, attendance, or continued use of Program materials.

3.4 All payments are due on the agreed dates. Failure to make a scheduled payment may result in suspension of access and/or termination if payment remains outstanding. Suspension or termination does not reduce or extinguish the Client’s obligation to pay the full Program fee.

3.5 The Client authorises the Facilitator to charge the nominated payment method for agreed instalments.

3.6 No set-off. The Client must not withhold or reduce payments due under this Agreement except where required by law.

3.7 All Program fees are quoted and charged in US Dollars (USD). The Client is responsible for any currency conversion, foreign transaction, or bank fees applied by their payment provider. Exchange-rate movements do not alter the amounts payable under this Agreement and are not grounds for a refund or adjustment.

4. NO REFUNDS POLICY

4.1 To the maximum extent permitted by law, all Program fees are non-refundable.

4.2 No refunds will be provided for: change of mind, lack of participation, scheduling conflicts, personal circumstances, dissatisfaction with results, or failure to implement Program content.

4.3 The Client acknowledges the Program is delivered progressively over time, a place is reserved exclusively for the Client, and value is provided regardless of attendance.

4.4 Nothing in this Agreement excludes, restricts, or modifies any rights the Client may have under the Australian Consumer Law.

4A. PAUSE / LEAVE OF ABSENCE

4A.1 A pause (leave of absence) is a discretionary goodwill accommodation offered at the Facilitator’s sole discretion for genuine medical, family, or exceptional personal circumstances. It is not an automatic right.

4A.2 Requests must be made in writing and, where possible, in advance.

4A.3 Time limit. A pause is limited to a maximum of four (4) weeks in total during the six-month Program Term, and may be taken once.

4A.4 Payment continues. A pause does not pause, reduce, defer, or waive the Client’s payment obligations. Instalment payments continue on their scheduled dates, and pay-in-full fees remain non-refundable. The Client must remain current on all payments to retain their place and to schedule or reschedule any sessions.

4A.5 Effect of a pause. During an approved pause, the Facilitator may extend the Client’s access and Program end date by the length of the pause, so the Client retains the full value of their term. Live call attendance and active support may be paused during this period.

4A.6 No refunds. No refund or fee credit is provided for paused time.

4A.7 No banking or roll-over. Unused sessions or benefits may be rescheduled within the extended term but do not accrue, bank, or roll over beyond it, and expire at the end of the extended Program Term.

4A.8 A pause cannot be used to avoid or shorten the six-month minimum commitment.

5. CHARGEBACKS & PAYMENT DISPUTES

5.1 The Client agrees not to initiate a chargeback or payment dispute where the Program has been delivered in accordance with this Agreement.

5.2 Raise it with us first. The Client agrees to raise any concern with the Facilitator in writing at admin@kathrynhocking.com, and to allow a reasonable opportunity to resolve it, before initiating a chargeback or payment dispute.

5.3 If a chargeback or payment dispute is initiated, the Client’s access may be immediately suspended while the matter is addressed.

5.4 The Facilitator may submit this Agreement, access logs, attendance records, and communications as evidence to the payment provider.

5.5 Any fees or costs incurred by the Facilitator as a result of a chargeback may be recoverable from the Client to the extent permitted by law.

6. INTELLECTUAL PROPERTY & LICENCE

6.1 All Program materials, recordings, frameworks, methodologies, and content remain the intellectual property of the Facilitator.

6.2 The Client is granted a limited, personal, non-exclusive, non-transferable licence to use the materials for their own business development only during the access period stated in Schedule 1.

6.3 The Client must not copy, reproduce, distribute, sell, sublicense, teach, or share Program materials, recordings, or login access without prior written consent.

7. CONFIDENTIALITY, PRIVACY & RECORDINGS

7.1 The Client agrees to keep confidential any personal or business information shared by other participants within calls or the community.

7.2 Consent to recording. By participating, the Client acknowledges and agrees that Program calls and sessions (including group coaching, topic coaching, Q&A, co-working/implementation, and community sessions) may be recorded in audio, video, screen-share and chat form. The Client expressly consents to being recorded, including their image, voice, name, likeness, and contributions, and to those recordings being made available to enrolled participants for the duration permitted under clause 7.5.

7.3 Ownership. All recordings, in whole or in part, are and remain the sole property and intellectual property of Kathryn Hocking / Business Astrology Academy. The Client acquires no ownership interest in any recording.

7.4 Consent is irrevocable for past recordings. The Client may choose not to appear on camera and may ask not to be actively featured in future sessions. However, consent given in respect of recordings already made cannot be withdrawn or revoked, and the Facilitator may continue to store, retain, and make those existing recordings available to enrolled participants in accordance with this Agreement.

7.5 Retention. Recordings of Q&A (hot-seat) calls are made available to participants for six (6) months and may then be deleted at the Facilitator’s discretion. Recordings of topic coaching and co-working/implementation calls may be retained and stored within the membership site for a longer period at the Facilitator’s discretion, so they remain available as an ongoing resource library.

7.6 Recordings are provided solely for enrolled participants and must not be copied, downloaded for redistribution, shared, or published outside the Program.

7.7 Internal use only. This clause permits use of recordings within the Program. Any use of a Client’s identifiable image, voice, or business information in external or public marketing remains subject to the separate consent requirements in clause 8.

8. DATA COLLECTION, PRIVACY & CASE STUDIES

8.1 The Facilitator may collect information reasonably required to deliver and improve the Program, including enrolment details, participation data, submitted work, feedback, and support interactions (“Program Data”).

8.2 Program Data will be handled in accordance with the Facilitator’s privacy practices and will not be sold to third parties.

8.3 No identifying use without permission. The Facilitator will not publish or share the Client’s identifying information (including name, business name, screenshots, recordings, or specific business metrics) for marketing purposes without the Client’s express written consent.

8.4 De-identified case studies and aggregated results. The Client acknowledges the Facilitator may create de-identified or anonymised case studies and/or share aggregated outcomes (e.g. general wins, themes, learnings, or non-identifying statistics) for the purpose of improving and promoting the Program, provided the Client is not reasonably identifiable.

8.5 The Client may withdraw consent for identifiable marketing use at any time by notifying the Facilitator in writing. Withdrawal does not affect prior lawful use already published.

9. COMMUNITY CONDUCT & BEHAVIOUR

9.1 The Program is a professional, values-led container. Respectful behaviour is required at all times.

9.2 Prohibited conduct includes (without limitation): bullying, harassment, intimidation, racism, discrimination, hate speech, exclusionary behaviour, unsolicited pitching/solicitation, misuse of community access, or breach of confidentiality.

9.3 The Facilitator may remove any Client whose behaviour compromises the safety, wellbeing, or integrity of the group, or breaches this Agreement or Schedule 3 – Community Code of Conduct.

9.4 Removal for breach of conduct will be without refund, to the extent permitted by law.

10. SUPPORT, COMMUNICATION & RESPONSE TIMES

10.1 Program communication occurs primarily via the designated online community and email.

10.2 Standard response times are within 48 business hours, Monday to Friday, excluding weekends and public holidays in the responder’s location.

10.3 Urgent responses are not guaranteed.

10.4 Live attendance is encouraged but not required. Clients may pre-submit questions where available.

11. FEEDBACK & REVIEWS (CORE vs VIP)

11.1 Core. Members may submit one (1) item for feedback each month by 5pm ACST on the Friday before the scheduled monthly Hot-Seat Q&A call. Feedback is delivered within that group call (shared learning). Members may also bring questions to the Implementation Lab.

11.2 VIP. In addition to all Core feedback opportunities, VIP members may submit up to two (2) private copy, offer, or launch reviews per month. Feedback is delivered in writing into the Client’s living Strategic Roadmap within 72 business hours (three working days, Monday to Friday, excluding public holidays); for example, an item submitted on a Friday would be returned by the following Wednesday. VIP members also receive ongoing strategic dialogue within their living Roadmap, as described in Schedule 1.

11.3 Review scope and format may vary (written, audio, or video feedback) at the Facilitator’s discretion.

12. COACHES, FACILITATORS & PROGRAM DELIVERY

12.1 Kathryn Hocking is the lead facilitator.

12.2 Additional coaches/facilitators may contribute from time to time.

12.3 The Facilitator may change, substitute, or discontinue support personnel due to availability, illness, scheduling, or circumstances beyond reasonable control.

12.4 Such changes do not constitute a breach of this Agreement, provided the overall Program delivery and value are maintained.

12.5 For the avoidance of doubt, the coaches and facilitators referred to in this clause are those engaged to deliver the paid Program. Complimentary sessions delivered by independent third-party providers are governed by clause 12A.

12A. COMPLIMENTARY THIRD-PARTY PROVIDER SESSIONS

12A.1 As a complimentary gift, the Program offers new members the opportunity to receive one or more sessions delivered by independent specialists, currently including: (a) a somatic, mindset and/or energetic session (such as the “Still Point Attunement”) delivered by Charlene Papastephanou, trading as Charlene Mac; and (b) a brand audit or brand strategy session (such as the “Brand Oracle” or “Brand Compass”) delivered by Gemma Storey, trading as Infinity Creative (together, the “Complimentary Sessions”).

12A.2 Independent providers. The Complimentary Sessions are delivered by independent third-party providers, not by Kathryn Hocking or Business Astrology Academy. The professional relationship for each Complimentary Session is directly between the Client and the relevant provider. Business Astrology Academy facilitates the introduction only.

12A.3 No warranty and no liability. The Complimentary Sessions are provided as a gift, “as is”, with no warranty as to outcomes, suitability, or results. To the maximum extent permitted by law, Kathryn Hocking and Business Astrology Academy accept no liability of any kind arising from, or in connection with, a Complimentary Session, including the conduct of the provider, the content or modalities used, or any outcome experienced by the Client. Any concern, claim, or dispute relating to a Complimentary Session is a matter between the Client and the relevant provider.

12A.4 Nature of the work. The Client acknowledges that the Complimentary Sessions may include energetic, somatic, or subconscious modalities (which may include, for example, Reiki, Integrated Energy Therapy, NLP, EFT, or hypnosis-style techniques). These are complementary practices offered for general wellbeing and are not medical, psychological, therapeutic, financial, or legal advice or treatment. Participation is voluntary and at the Client’s own discretion, and the Client is responsible for seeking qualified professional support where needed.

12A.5 No cash value. The Complimentary Sessions hold no cash value, cannot be exchanged, transferred, or redeemed for credit or a refund, and do not form part of the paid Program fee. If a Complimentary Session is not taken up within any stated window, or a provider becomes unavailable, the Facilitator may substitute, reschedule, or withdraw the offering, and this does not reduce the value of the Program or give rise to any refund.

13. MENTAL HEALTH & PERSONAL RESPONSIBILITY

13.1 The Client acknowledges the Program may involve personal reflection, mindset work, or emotional insight. The Program is not therapy or mental health treatment.

13.2 The Client is responsible for seeking professional support where needed. The Facilitator is not responsible for the Client’s mental or emotional wellbeing.

14. NO TRANSFER / NO SHARING

14.1 Participation is personal to the Client and may not be transferred, assigned, or shared with any other person without written consent.

15. TESTIMONIALS & MARKETING

15.1 The Facilitator may request testimonials or feedback. The Client may choose whether to provide a testimonial.

15.2 If the Client provides a testimonial, the Facilitator may use it for marketing purposes, unless the Client requests otherwise in writing.

15.3 Community contributions and results. The Client acknowledges that posts, comments, wins, screenshots, and results they share within the Program community or on calls may be captured and used by the Facilitator for marketing and promotional purposes (for example, sharing a wins-wall post or a member result). Consistent with clauses 8.3 and 8.4, where such material identifies the Client, the Facilitator will remove or obscure identifying details (such as full name and business name) unless the Client has given written consent to be identified.

15.4 Opt-out. The Client may opt out of the use of their community contributions and results for marketing at any time by notifying the Facilitator in writing. An opt-out applies to future use and does not require the Facilitator to recall or remove material already published.

16. NON-DISPARAGEMENT (RESPECTFUL COMMUNICATION)

16.1 The parties agree to communicate respectfully about each other and the Program.

16.2 This clause does not restrict the Client’s rights under Australian Consumer Law, including the right to make a complaint to relevant bodies or provide lawful reviews.

17. INDEPENDENT CONTRACTORS / NO PARTNERSHIP

17.1 Nothing in this Agreement creates a partnership, joint venture, employment, or agency relationship between the parties.

18. TIMEZONES & SCHEDULING

18.1 The Client acknowledges live sessions are scheduled to accommodate a global audience and may not suit all time zones.

18.2 Where applicable, recordings and pre-submission options are provided. Scheduling does not constitute grounds for refund.

19. FORCE MAJEURE & UNFORESEEABLE EVENTS

19.1 The Facilitator will not be liable for delay, interruption, or inability to perform obligations due to events beyond reasonable control, including serious illness/injury, family emergencies, mental health crises, natural disasters, government actions, or platform outages (“Force Majeure Event”).

19.2 If a Force Majeure Event occurs, the Facilitator may reasonably pause/reschedule calls, substitute live sessions with replays, appoint guest facilitators, adjust timelines, and/or extend access. These measures do not constitute a breach.

19.3 Where practicable, the Facilitator will notify participants of significant disruption and the plan for continuation.

19.4 If the Program is permanently unable to continue, remedies will be assessed in accordance with Australian Consumer Law, which may include a partial refund for the unused portion or another remedy required by law.

20. LIMITATION OF LIABILITY

20.1 The Client is solely responsible for business decisions, actions, and results.

20.2 To the maximum extent permitted by law, the Facilitator’s total liability is limited to the amount paid by the Client for the Program.

20.3 The Facilitator is not liable for indirect, incidental, or consequential loss.

21. AUSTRALIAN CONSUMER LAW

21.1 This Agreement operates subject to the Australian Consumer Law.

21.2 Nothing in this Agreement excludes, restricts, or modifies consumer guarantees that cannot be excluded under law.

22. DISPUTE RESOLUTION & GOVERNING LAW

22.1 This Agreement is governed by the laws of South Australia, Australia.

22.2 The parties agree to attempt to resolve disputes through good-faith negotiation and mediation before commencing legal proceedings (except where urgent relief is required).

23. SURVIVAL

23.1 Clauses relating to confidentiality, intellectual property, data/privacy, recordings, limitation of liability, third-party provider sessions, and governing law survive termination or completion of this Agreement.

24. ENTIRE AGREEMENT

24.1 This Agreement, together with Schedule 1, Schedule 2 and Schedule 3, constitutes the entire agreement between the parties.

24.2 No oral statements or prior communications form part of this Agreement, except for any fast-action bonus or other inclusion expressly recorded in Schedule 1.

Schedule 1 – Program Inclusions & Support Structure

A. Core Mastermind

USD $597/month for 6 months, or $3,300 paid in full (save $282). Total value $10,500 USD.

1. Strategic Roadmap (for every member)

• A detailed Strategic Roadmap questionnaire

• Two (2) 1:1 sessions with Kathryn Hocking, each up to 90 minutes (an initial strategy session and a refinement session)

• A personalised, chart-aligned written 6-month Roadmap (30-day, 90-day and 6-month priorities)

2. Live Calls — three (3) per month

• Hot-Seat Q&A

• Topic Coaching (with Kathryn or a guest presenter)

• Implementation Lab (strategy teaching + co-working)

• Pre-submit questions where offered; recordings provided in line with clause 7.5

3. Curriculum Library

• The full signature program library, monthly specialist trainings, and toolkits, released progressively across the curriculum phases for the duration of the Program (see Schedule 2)

4. Bi-Monthly Challenges

• Three (3) live 30-day challenges during the term, plus two (2) self-study challenges available from day one

5. Mindset & Energetic Support

• Monthly mindset activation sessions delivered by the Program’s mindset specialist

6. Community

• Access to the private Circle community for the Program Term (wins wall, action threads, peer support)

7. Complimentary extras (delivered by independent providers per clause 12A)

• The Still Point Attunement — a private somatic/subconscious reset with Charlene

• The Brand Oracle — a personalised brand audit with Gemma

B. VIP Mastermind

USD $797/month for 6 months, or $4,400 paid in full (save $382). Total value $16,500 USD.

Includes everything in Core, plus:

1. Private Mentorship

• Three (3) 90-minute 1:1 mentoring sessions with Kathryn Hocking, across the remaining five months of the term

• Two (2) Quarterly AstroForecasts for the Client’s chart

• Ongoing strategic dialogue — asynchronous written strategic support between sessions, delivered within the Client’s living Strategic Roadmap (a shared working document). The Client may post questions, updates, and decisions for the Facilitator’s input, and the Facilitator may add written feedback, resources, links, and strategic input directly into the Roadmap. Where the Client submits an item for copy, offer, or launch review under clause 11.2, the Facilitator’s review is added into the Roadmap. The Roadmap is treated as a living document, reviewed and adjusted at each 1:1 session and through these check-ins. Where a question would benefit the wider group, the Facilitator may ask that it be raised in the Program community rather than the Roadmap, so all members benefit. The Roadmap is monitored Monday to Friday, with responses within 48 business hours. This is fair-use written guidance on reasonable, business-related questions; it is not additional live calls, and not on-demand, same-day, or unlimited coaching.

• In-depth feedback on offers, copy, and launches — delivered through the two (2) private monthly reviews described in clause 11.2 (added in writing into the Client’s living Roadmap) and within the 1:1 mentoring sessions. Feedback may cover offer structure and pricing, sales and marketing copy, and launch planning and timing. Each review covers one (1) item or asset.

2. Complimentary extra — upgraded (delivered by an independent provider per clause 12A)

• The Brand Compass — a 1:1 brand strategy deep-dive with Gemma (in place of the Brand Oracle)

C. Fast-Action Bonus — The Offer & Authority Edit (where eligible)

This section applies only where the Client has met the fast-action eligibility conditions stated in the enrolment materials at the time of the Client’s application, being: (a) an application submitted within the stated fast-action window; and (b) enrolment completed, meaning first payment made, within seven (7) days of the Client’s application call.

Where eligible, the Client also receives the Offer & Authority Edit (stated value USD $2,000), comprising:

• A personalised review of the Client’s existing offers and website, considered together

• Written strategic recommendations on whether to keep, cut, combine or reprice each offer

• Recommendations on positioning and messaging for the Client’s intended market

• One (1) private 1:1 call with Kathryn Hocking to confirm the first actions arising

The Offer & Authority Edit is delivered before the Program Term commences where practicable. It holds no cash value, cannot be exchanged, transferred, or redeemed for credit or a refund, and does not form part of the Program fee. Eligibility is determined by the Facilitator by reference to the Client’s application and enrolment dates.

Where this section does not apply, it may be deleted from the Client’s executed Agreement.

D. Support Availability & Leave

• Support channels monitored Monday to Friday (excluding public holidays)

• 48 business-hour standard response window

• Kathryn Hocking may take up to two (2) weeks’ leave per six months, advised in advance where possible

Schedule 2 – Learning Content Access, Program Progression & Extensions

2.1 Access Period

Access to Program materials, trainings, resources, and the online community is provided for the duration of the six (6) month Program Term, provided the Client remains compliant with this Agreement, including payment obligations.

• Access is not lifetime access.

• Access may cease earlier only where required under this Agreement, including suspension or termination due to non-payment or material breach.

• Any cessation of access does not alter the Client’s obligation to complete payment for the full Program Term.

2.2 Phased Learning Structure

The Program is intentionally structured around phases of business development. Learning content is released progressively and strategically based on:

• The Client’s stage of business;

• The phase the Client is working within; and

• The Facilitator’s assessment of readiness and alignment.

Not all participants will access the same content at the same time.

2.3 Individual Pace & Non-Comparative Progression

The Client acknowledges and agrees that:

• Participants progress through Program phases at different speeds;

• Some participants may spend the full Program Term within a single phase;

• Other participants may move through multiple phases during the same timeframe.

The pace of progression does not reflect the value of the Program, the level of support provided, or the Client’s capability or commitment.

2.4 No Guarantee of Completion of All Phases

Completion of all Program phases or access to all available learning content is not guaranteed within the six-month Program Term.

Progression depends on participation, implementation, and readiness and does not constitute a failure to deliver the Program.

2.5 Content Updates & Program Evolution

The Facilitator may update, refine, replace, or retire Program content, frameworks, or delivery methods during the Program to reflect best practice, Program evolution, or participant needs.

Such changes do not reduce the overall value of the Program.

2.6 Extensions Beyond the Initial Term

At the conclusion of the six-month Program Term, the Client may be offered the opportunity to extend participation for a further term (e.g. six (6) or twelve (12) months), subject to availability. Any extension:

• Is not automatic or guaranteed;

• May be offered by invitation or application;

• May be subject to different pricing, inclusions, and terms; and

• Requires acceptance of the extension terms in effect at the time.

Schedule 3 – Community Code of Conduct

AstroBiz Mastermind

This mastermind is a sacred, professional container. These guidelines exist to protect everyone inside it, including you. By joining the AstroBiz Mastermind, you agree to the following:

1. Respect & Inclusion

This is a zero-tolerance space for:

• Racism

• Discrimination

• Bullying or harassment

• Hate speech or exclusionary behaviour

Diversity of perspectives is welcome. Disrespect is not.

2. Confidentiality

What’s shared in the mastermind stays in the mastermind. This includes:

• Personal stories

• Business details (including revenue)

• Shared work or feedback

• Call discussions and community posts

No screenshots, recordings, or sharing outside the container.

3. No Unsolicited Pitching

You may share your work when invited or in designated spaces. You may not:

• Cold-pitch other members

• DM people to sell without consent

• Use the community as a lead list

Let connections and collaborations unfold naturally.

4. Responsible Communication

Please:

• Speak with kindness and integrity

• Assume good intent

• Stay curious rather than combative

Diversity of opinion is welcome. Disrespectful communication is not.

5. Participation & Personal Responsibility

This program provides education, guidance, and support. You are responsible for:

• Your decisions

• Your actions

• Your implementation

• Your results

This is a space for empowered adults, not dependency.

6. Protecting the Container

If something feels off, unsafe, or inappropriate:

• Raise it privately and in writing to admin@kathrynhocking.com

• Do not escalate conflict publicly within the group

This helps maintain safety, trust, and integrity for everyone.

7. Breach of Conduct

If these guidelines are breached:

• The Facilitator may issue a warning, set boundaries, or remove access

• Removal may occur without refund, where permitted by law

• Decisions are made to protect the wellbeing and integrity of the group as a whole

Final Note

This mastermind is about growth, leadership, and integrity, not ego, drama, or power plays.

Thank you for helping co-create a safe, supportive space where women can build meaningful, sustainable, soulful businesses without burning out.