01 Who you are contracting with
This website and the products sold through it are operated by Celmedia L.L.C-FZ,
a free zone limited liability company registered in Dubai, United Arab Emirates, trading as
"Marcel Fernandes" ("we", "us", "our").
| Legal entity | Celmedia L.L.C-FZ |
| Company type | Free Zone Limited Liability Company |
| Trade licence number | 2308043.01 |
| Licensed activity | Retail sale via mail order houses or via Internet (ISIC 4791.00) |
| Registered address | Business Center 1, M Floor, The Meydan Hotel, Nad Al Sheba, Dubai, United Arab Emirates |
| Manager | Marcel Fernandes Filho |
| Contact | support@marcelfernandes.net |
"You" means the person buying or using our products. If you are entering into these Terms
on behalf of a company, you confirm you have authority to bind it.
02 Acceptance & eligibility
By accessing this website, submitting your email address, purchasing a product, or joining
a program or community, you accept these Terms, our
Privacy Policy, our
Refund & Cancellation Policy and our
Earnings & Results Disclaimer. Together these
form the entire agreement between you and us.
You must be at least 18 years old and legally able to enter into a binding
contract. Our products are not directed at children, and we do not knowingly sell to minors.
You are responsible for making sure that buying and using our products is lawful in your
country of residence. If it is not, do not purchase.
03 What we provide
We currently offer, and may from time to time change or discontinue:
- The Digital Middleman Program — a self-paced online training program with supporting materials.
- AI Marcel — a subscription AI assistant trained on our published methodology.
- Marcel's Bootcamp — a time-boxed guided training intensive, offered in cohorts.
- Marcel's Inner Circle — a private membership community with additional mentorship.
- Free content, newsletters and resources published on this website and our social channels.
Everything we sell is educational and informational. We sell training,
frameworks, templates and access to materials and community. We do not sell a job, a
franchise, a business opportunity with a promised return, an investment, or any guarantee
of income. See section 12 and our
Earnings & Results Disclaimer.
The exact contents, features, duration and level of access for each product are those
described on the relevant sales or checkout page at the time you purchase. We may improve,
update, restructure or retire individual lessons, features and bonuses. Where a change
materially reduces what you paid for, we will tell you and, at our discretion, offer a
comparable replacement or a pro-rata refund.
04 Accounts & access
Access to paid products is delivered through third-party platforms — principally
Whop — and is personal to you and non-transferable.
- Keep your login credentials confidential. You are responsible for all activity under your account.
- Do not share, sell, lend, or provide login access to any other person.
- Tell us immediately at support@marcelfernandes.net if you believe your account has been compromised.
Unless a specific product page states a fixed access period, access to one-off purchases is
granted for as long as we continue to operate that product, and access to subscription
products lasts for as long as your subscription is active and paid.
05 Prices, payment & tax
Prices are shown on the relevant product or checkout page and, unless stated otherwise, are
in US dollars. Payments are processed by our third-party payment providers
(Whop and its underlying payment processors). We do not receive or store your full card
details.
- You must use a payment method you are authorised to use.
- Your bank or card issuer may apply currency conversion or international transaction fees. Those are not ours and are not refundable by us.
- You are responsible for any VAT, sales tax, customs, withholding or other taxes due in your own country, unless the checkout expressly states that tax is included or collected.
- We may change our prices at any time. A price change never affects an order already placed.
If a price is displayed with an obvious error (for example, a clear typographical mistake),
we may cancel the order and refund you in full rather than honour the incorrect price.
06 Subscriptions, renewal & cancellation
AI Marcel is a recurring subscription. It is billed at
US$39 per month and renews automatically each month until
you cancel. You can cancel at any time from your account on the platform where you
subscribed, or by emailing
support@marcelfernandes.net.
- Cancelling stops future charges. It takes effect at the end of your current paid billing period, and you keep access until then.
- We do not pro-rate or refund part-months once a billing period has started, except where our Refund Policy or your local consumer law says otherwise.
- If a renewal payment fails, we may retry it and may suspend access until payment succeeds.
- Any membership offered on a recurring basis (including Inner Circle, where sold as a subscription) works the same way.
07 Refunds
Refunds are governed by our Refund & Cancellation Policy,
which forms part of these Terms. In short: a 7-day unconditional refund window
on the specific program you bought, plus a 60-day conditional guarantee for
students who complete that program, personally book at least 20 qualified prospect calls using
what it teaches, and can show the work. Full conditions, exclusions and how to claim are set
out in that policy.
08 Intellectual property & your licence
All course content, videos, recordings, written materials, scripts, templates, frameworks,
software, branding, trade marks and website design are owned by us or our licensors and are
protected by copyright and other laws.
When you purchase, we grant you a limited, personal, non-exclusive,
non-transferable, revocable licence to access and use the materials for your own
personal and internal business use, for as long as your access lasts.
You may not:
- Copy, record, screen-capture, download (except where a download is expressly provided), reproduce or redistribute the materials.
- Resell, sublicense, rent, share, publish or make the materials available to anyone else, in whole or in part, free or paid.
- Use the materials to build, train or fine-tune a competing course, coaching product, model or dataset.
- Remove or obscure any copyright, trade mark or ownership notice.
If you post content into our communities (messages, wins, screenshots, questions, feedback),
you keep ownership of it, but you grant us a worldwide, royalty-free, perpetual licence to
use, reproduce and display it for the purpose of operating, moderating and promoting our
programs — including as anonymised or first-name-only testimonials. You can ask us to stop
using your content in promotional materials at any time by emailing
support@marcelfernandes.net.
09 Acceptable use
You agree not to:
- Use our products or communities for anything unlawful, fraudulent, deceptive or harmful.
- Send spam, run unsolicited bulk outreach in breach of applicable law, or misrepresent yourself to prospective clients.
- Impersonate Marcel Fernandes, Celmedia L.L.C-FZ, our staff, or any student.
- Claim or imply that you are certified, endorsed, employed by, or partnered with us unless we have agreed that in writing.
- Scrape, crawl, reverse-engineer, or attempt to gain unauthorised access to our systems, or circumvent any access control or paywall.
- Introduce malware or otherwise interfere with the operation or security of our services.
You are solely responsible for how you apply what you learn — including complying with
advertising, marketing, tax, business-licensing, consumer-protection and data-protection
laws in the countries where you operate and where your own clients are located.
11 AI Marcel — nature and limitations
AI Marcel is an artificial intelligence tool, not a human being and not Marcel
Fernandes. Its responses are generated automatically by a language model and are
not reviewed by a person before you see them.
- AI output can be inaccurate, incomplete or out of date. Verify anything important before you act on it.
- It does not provide financial, investment, legal, tax, medical, psychological or other professional advice, and using it does not create a professional relationship of any kind.
- It is not a crisis or emergency service. If you are in distress, contact a qualified professional or your local emergency services.
- Do not enter other people's personal data, payment card details, passwords or confidential information into it.
- Your conversations may be processed by third-party AI providers on our behalf, and may be reviewed in aggregate to improve the service — see our Privacy Policy.
- Availability depends on third-party model providers. We may change the underlying model, apply fair-use limits, or interrupt the service for maintenance.
"Unlimited" conversations means unlimited ordinary personal use. We may apply reasonable
rate limits to prevent automated, abusive or commercially resold use.
12 No guarantee of results, and no professional advice
We do not guarantee any income, profit, or business result. Testimonials
and figures shown on this website are the individual experiences of specific students and
are not typical and not a promise of what you will earn. Your results
depend on your effort, skill, market, timing and many factors outside our control. Most
people who buy business training do not achieve the results shown in testimonials, and
some earn nothing at all.
Nothing we publish or say is financial, investment, legal, tax, accounting, medical or
psychological advice, and no coach–client, adviser–client or fiduciary relationship is
created. Seek independent professional advice before making financial or legal decisions.
Read the full Earnings & Results Disclaimer.
13 Third-party platforms, links and marks
We rely on third-party services to deliver our products, including Whop (checkout and course
delivery), our website host, our email provider and AI model providers. Your use of those
platforms is also subject to their terms and privacy policies. We are not
responsible for their acts, omissions or outages.
This website links to external sites and displays the logos of media outlets that have
reported on Marcel Fernandes' Guinness World Records title. Those outlets, and
Guinness World Records, are not affiliated with us and do not sponsor, endorse or review any
product we sell. All third-party names and marks belong to their respective owners.
14 Suspension & termination
We may suspend or terminate your access, without refund, if you materially breach these
Terms — in particular if you share, resell or pirate our materials, abuse our team or
community, commit fraud or a chargeback in bad faith, or use our services unlawfully.
You may stop using our services at any time. Sections that by their nature should survive
termination (intellectual property, disclaimers, limitation of liability, indemnity,
governing law) continue to apply.
15 Disclaimers
Our services and materials are provided "as is" and "as available". To the
fullest extent permitted by law, we exclude all warranties, conditions and representations
not expressly set out in these Terms — including any implied warranty of merchantability,
fitness for a particular purpose, accuracy, or non-infringement.
We do not warrant that the services will be uninterrupted, error-free, secure, or that any
particular content, feature, bonus, live session or community will always be available.
Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded —
including liability for fraud, fraudulent misrepresentation, death or personal injury caused
by negligence, or your non-excludable rights as a consumer under the law of your country of
residence.
16 Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental,
special, consequential or punitive loss, or for any loss of profit, revenue, business,
goodwill, opportunity, data or anticipated savings, however arising, even if we were advised
such loss was possible.
Our total aggregate liability to you for all claims arising out of or relating to our
services is limited to the total amount you actually paid us in the twelve (12)
months immediately before the event giving rise to the claim.
You accept that any business you build is your own. We are not liable for decisions you make,
agreements you enter into with your own clients, or losses your business incurs.
17 Indemnity
You agree to indemnify and hold us, our manager, officers, staff and contractors harmless
from any claim, demand, loss, liability or expense (including reasonable legal fees) arising
from your breach of these Terms, your misuse of our materials, or your own business
activities and dealings with your clients.
18 Changes to these Terms
We may update these Terms to reflect changes to our products or the law. The current version
is always published on this page with an updated "Last updated" date. Material changes take
effect for existing customers no earlier than 14 days after we publish them, or when you
next purchase or renew — whichever comes first. Continuing to use our services after that
means you accept the updated Terms.
19 Governing law & disputes
These Terms and any dispute arising out of them are governed by the laws of the
United Arab Emirates as applied in the Emirate of Dubai, and the courts of
Dubai, U.A.E. have exclusive jurisdiction — except where you are a consumer
resident elsewhere and the mandatory law of your country of residence gives you the right to
bring proceedings in your local courts or to rely on your local consumer protections. Those
rights are not affected.
Before starting formal proceedings, please contact us at
support@marcelfernandes.net. Most issues are
resolved quickly and directly.
If any provision of these Terms is found unenforceable, the rest remains in force. Our
failure to enforce a provision is not a waiver of it.
Last updated 31 July 2026. Previous versions are available on request.