Circuit Creator - A Midlife Circuit Station 🎉

✨ THE MIDLIFE CIRCUIT

The Founder Creator Opportunity

20 Founding Creators. 12 months. One opportunity to turn what you know into something someone else can use.

What if you stopped being only a consumer… and became a Creator?

You're in midlife.

Which means you've lived.

You've learned.

You've figured things out the hard way.

You've changed direction. Started again. Survived things. Built things. Lost things. Learned things.

And somewhere along the way, you've probably discovered something that could make someone else's life a little easier.

What if you turned that knowledge into something you could actually sell?

Not a giant online course.

Not a complicated business.

Not another social media hustle.

A useful, beautifully packaged digital guide that captures what you know and puts it into the hands of someone who needs it.

Your lived experience is the product.

WHAT COULD YOU CREATE?

Maybe you've:

• Survived divorce and rebuilt your life
• Started again after redundancy
• Changed careers in midlife
• Started a business
• Travelled solo
• Navigated empty nesting
• Rebuilt after injury or a major life change
• Learned how to manage your finances after divorce
• Supported ageing parents
• Raised siblings
• Reinvented yourself
• Built confidence after losing it
• Learned something the hard way that you wish someone had told you earlier

Or perhaps you're a professional.

• You're a therapist.
• An engineer.
• A consultant.
• A contractor.
• A tradie.
• A coach.
• A business owner.
• A specialist.

A person who has spent years becoming really good at something.

You solve problems.

And that knowledge has value.

HERE'S THE IDEA

You choose something you know.

You write it down.

You turn it into a practical PDF guide, workbook, checklist, resource or mini-guide.

You send it to me.

I help bring it into the SwitchLife Marketplace.

You don't have to build a website.

You don't have to create a complicated sales funnel.

You don't have to learn the entire digital marketing world.

The infrastructure is already here.

You create the knowledge.

We work together to package it.

SwitchLife provides the marketplace.

You get a product you can share and sell.

And when your product sells, we share the net profit 50/50 under the Creator Marketplace framework.

That's the collaboration.

You bring the knowledge. I bring the platform, marketplace and infrastructure.

Together, we create something useful.

THE MIDLIFE CIRCUIT CREATOR FRAMEWORK

This is the simple process we'll use to turn what you already know into something tangible.

LIVE IT → KNOW IT → CREATE IT → SHARE IT → SELL IT

You've already done the hardest part.

You've lived it.

*Now we help you identify what you've learned, shape it into something useful, create the product, put it into the marketplace and give you a way to share it with the world.

*Over time, we'll continue refining this framework based on what our Founding Creators actually create, what works and what we learn together.

This isn't about becoming someone you're not. It's about recognising what you already have.

BUT I'M NOT A WRITER…

Stop right there.

You're not being asked to become an author. This isn't about writing the next bestseller.

It's about taking something you know and putting it into a format that another person can actually use.

• You can write it in Word.
• You can create it in Canva.
• You can keep it simple.

And if Canva feels like something your children understand better than you do… That's okay too. 😂

You don't need to be a professional writer. You need a story, experience, knowledge or solution worth sharing.

WHAT COULD YOUR GUIDE BE ABOUT?

Here are just a few possibilities:

• 10 Things I Wish I'd Known Before…
• What Nobody Tells You About…
• My Guide To…
• How I…...
• The Lessons I Learned From…
• My 50+ Survival Guide To…
• What I Wish Someone Had Told Me At 45…
• How I Finally Got My Finances Organised After Divorce
• How To Start Again When You Have No Idea Where To Begin
• My Guide To Travelling Solo In Midlife
• How I Changed Careers At 50
• The possibilities are enormous.

Because we're not looking for one particular type of creator. We're looking for people with something worth sharing.

YOU DON'T HAVE TO HAVE IT ALL FIGURED OUT

• You don't need to have built a six-figure business.
• You don't need thousands of followers.
• You don't need to be an influencer.
• You don't need a publishing deal.
• You don't even need to think of yourself as a "creator" yet.

You simply need to ask yourself:

"What do I know now that I wish I had known five, ten or twenty years ago?"

That answer could become your first product. And someone, somewhere, may be searching for exactly that information.

HOW IT WORKS

01 — CHOOSE YOUR IDEA

We work out what you know, who it could help and what format makes sense.

02 — CREATE IT

You write your knowledge, experience and advice into your guide.

It can be practical, personal, educational, inspirational — or a combination.

03 — PACKAGE IT

We help you turn your content into an attractive digital product ready for the marketplace.

04 — SEND IT TO SWITCHLIFE

Once it's ready, we take care of the marketplace setup and sales process.

05 — SHARE YOUR LINK

You'll have a shareable link for your product. You can share it on social media, send it to friends, put it in your bio, email it to your network or simply tell people about it.

06 — GET PAID

When your product sells, the net profit is shared 50/50 between you and SwitchLife, according to the Creator Marketplace framework.

You create once. Your product can sell more than once. That's where the opportunity gets interesting.

WHAT AM I ACTUALLY DOING FOR YOU? You're not joining another community where you're told:

"Go and figure out digital marketing."

The foundation is already here. As a Founder Creator, I'll help you understand:

• How to choose and shape your idea
• Who your guide could help
• How to structure your content
• How to turn your knowledge into a useful digital product
• How to prepare it for the marketplace
• How to use Canva or another simple design tool
• How your product gets listed
• How your individual product link works
• How you can share it with your own network

And you'll be surrounded by other midlife creators doing the same thing. You won't be building this alone.

BECOME ONE OF THE 20 FOUNDING CREATORS

This first group is intentionally small.

Only 20 Founder Creator places are available worldwide.

As one of the founding members, you'll receive:

✦ 12 MONTHS OF CREATOR MEMBERSHIP - A full year to develop your idea, create your digital product, learn the process, connect with other creators and participate in the wider Midlife Circuit.

✦ CREATOR GUIDANCE

Support as you develop your first digital product.

✦ CREATOR COMMUNITY

Meet other people turning their knowledge, experience and ideas into something tangible.

✦ COLLABORATION

Discover opportunities to work with other creators and potentially create something together.

✦ NEW PERSPECTIVES

Learn from people who have lived completely different lives, built different careers and travelled different roads.

✦ OPPORTUNITIES

As SwitchLife grows, there may be opportunities to collaborate across future projects, products, travel and other initiatives.

✦ TRAVEL OPPORTUNITIES

SwitchLife is also a travel company specialising in group travel for midlife men and women. As part of the wider SwitchLife ecosystem, Founders will have first access to relevant future travel opportunities.

✦ A CHANCE TO CREATE SOMETHING THAT'S YOURS

Because sometimes the thing we've been looking for in midlife isn't another qualification. It's a reminder that we still have something to contribute.

AND THERE'S SOMETHING ELSE…

YOUR COMMUNITY ACCESS DOESN'T DISAPPEAR AFTER 12 MONTHS.

Your Creator Membership is for 12 months.

But once you're part of The Midlife Circuit community, you can remain connected to the community beyond your Creator Membership.

So when your 12 months comes to an end, you don't simply disappear.

You can continue connecting with the people you've met, participating in the wider community and seeing what everyone is creating.

And if you decide:

"I want to do another one." You can choose to return as a Creator.

Future returning-Creator pricing may be available for existing members. There's no pressure to decide that now. Your first year is about creating, learning, experimenting and seeing where this can take you.

NO MONTHLY SUBSCRIPTION

For our Founding Creators:

• One payment.
• 12 months of Creator Membership.
• No monthly subscription.

Payment plans are available through Afterpay/Klarna where available.

Founder places are limited to 20 people worldwide. Once those Founder places are filled, the structure and pricing of The Midlife Circuit will change.

WHO IS THIS FOR?

The Midlife Circuit is designed for people roughly in their mid-40s to mid-60s who aren't finished yet.

• You might be:
• A creator.
• A professional.
• A business owner.
• A therapist.
• A consultant.
• A tradie.
• A coach.
• An author.
• A traveller.
• A parent who has started again.
• Someone navigating a completely new chapter.
• Or simply someone who has spent enough time on this planet to realise: "I've actually learned a few things."

1. If you're curious about what's next… If you want to meet interesting people…
2. If you want to share what you know… If you want to create something of your own…
3. If you want to keep moving the needle… you might belong in The Midlife Circuit.

THE BIGGER PURPOSE - The Midlife Circuit isn't just about making PDFs.

That's the vehicle.

The bigger idea is possibility. Because midlife can be the point where we start asking different questions.

Who am I now?

What do I want next?

What have I learned?

What do I still have to give?

What could I create?

What if I stopped waiting for the next chapter to happen…

and started creating it?

The Midlife Circuit is a space to explore those questions.

No pressure.

No pretending.

No having it all figured out.

Just people in midlife, moving forward.

Creating.

Sharing.

Learning.

Connecting.

And having some bloody fun along the way.

YOUR EXPERIENCE HAS VALUE.

Maybe you've spent years thinking your knowledge was just… "what I do."

Maybe you never considered it expertise.

Maybe you've never thought of yourself as a creator.

Maybe you've never put your experience into words.

Until now.

Because there is someone out there who is standing exactly where you once stood.

• They're trying to figure it out.
• They're searching for answers.
• And you might already have one of them.

What if you could turn what you've lived through into something that helps them?

That's the ripple effect.

You lived it.

You learned it.

You created it.

Now someone else can benefit from it.

READY TO TAKE THE FIRST STEP?

There are just 20 Founder Creator places available for this first chapter of The Midlife Circuit.

You don't need to have your idea perfectly worked out before you join. You just need to be willing to explore what you have to offer.

Come and create with us.

THE MIDLIFE CIRCUIT

12 Month Founder Creator Membership

• 20 Founding Creators Worldwide
• One payment.
• No monthly subscription.

Live It → Know It → Create It → Share It → Sell It

Still unsure? That's completely okay.

Send me a private email at [email protected]

Tell me a little about yourself and what you're thinking about creating.

I'd love to hear your idea.

Penelope x

Founder, SwitchLife

🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻🔻

PART A -- SWITCHLIFE TERMS APPLYING TO ALL WEBSITE CUSTOMERS

1. ABOUT THESE TERMS

These Terms & Conditions apply to purchases and use of digital products, downloads, guides, workbooks, templates, resources and other digital products made available by Switchlife / SwitchLife Travel (SwitchLife, we, us or our) through our website, online store or related digital sales channels.

They also apply to purchases of Digital Guides offered through The Midlife Circuit Marketplace, subject to the additional Creator Marketplace provisions in Part B.

2. ACCEPTANCE

By purchasing a product, accessing a product after purchase, or otherwise accepting these Terms through an electronic checkout process, you agree to these Terms as presented to you at the time of purchase. Where a product has additional terms, those additional terms will be presented before purchase.

3. DIGITAL PRODUCT DELIVERY & IMMEDIATE ACCESS

Digital products are supplied electronically. Depending on the product and platform, access may be provided immediately or shortly after payment. You are responsible for providing an accurate email address and for ensuring you can access the

relevant file, link, platform or software required to use the product.

4. DIGITAL PRODUCT REFUNDS

Because digital products may be made available for immediate access following purchase, SwitchLife does not generally offer refunds for change of mind, accidental purchase, failure to use a product, or dissatisfaction that does not amount to a failure of an applicable consumer guarantee. However, nothing in these Terms excludes, restricts or modifies any consumer guarantee, statutory right or remedy that cannot lawfully be excluded, restricted or modified under the Australian Consumer Law. If a digital product is faulty, materially not as described, inaccessible due to a problem for which SwitchLife is responsible, or otherwise fails to meet an applicable consumer guarantee, please contact us so that we can provide the remedy required by law.

5. PRODUCT DESCRIPTIONS & EXPECTATIONS

We aim to describe our products accurately and clearly. You should review the product description, inclusions, format, price and any specific access conditions before purchasing. Personal results, financial outcomes, business outcomes or other

individual results are not guaranteed unless expressly stated.

SWITCHLIFE | MASTER WEBSITE TERMS & CREATOR AGREEMENT

6. PRICING & PAYMENT

Prices are displayed in Australian Dollars unless otherwise stated. Payment is processed through the payment gateway made available at checkout, which may include Stripe. You are responsible for ensuring your payment details are accurate and authorised.

7. DIGITAL USE & LICENCE

Unless otherwise stated, your purchase gives you a personal, non-exclusive, non-transferable right to access and use the purchased digital product for your own lawful purposes. You must not resell, redistribute, reproduce, share, upload, publish,

sublicense or commercially exploit a SwitchLife digital product unless expressly permitted in writing.

8. INTELLECTUAL PROPERTY

SwitchLife and its licensors retain all intellectual property rights in SwitchLife-created products, branding, text, graphics, templates and materials except where ownership is expressly stated otherwise. Your purchase does not transfer ownership of SwitchLife intellectual property.

9. THIRD-PARTY PLATFORMS & LINKS

Some products may use or link to third-party platforms, websites, payment processors, software or services. Your use of those services may be subject to their own terms and privacy policies. SwitchLife is not responsible for changes or outages caused solely by third-party providers, subject to any rights you have under applicable law.

10. EDUCATIONAL / PERSONAL DEVELOPMENT CONTENT

SwitchLife products may contain educational, personal development, travel, lifestyle or general informational material.

Unless expressly stated otherwise, content is not professional legal, medical, financial, tax or other regulated advice. You remain responsible for decisions you make based on the material.

11. TRAVEL INFORMATION

Travel-related digital products are intended as general planning and informational resources. Conditions, entry requirements, transport schedules, prices, health requirements and other travel information can change. You should verify current information with relevant official authorities, suppliers and your travel adviser before acting on it.

12. PRIVACY

Personal information is handled in accordance with SwitchLife's Privacy Policy and applicable privacy law. Payment information may be processed by third-party payment providers.

13. ACCOUNT / ACCESS SECURITY

Where a product requires an account or login, you are responsible for keeping your credentials secure and must not share access with others. SwitchLife may suspend access where there is suspected misuse, fraud or unauthorised sharing, subject to applicable law.

14. LIABILITY & AUSTRALIAN CONSUMER LAW

Nothing in these Terms is intended to exclude, restrict or modify any right or remedy that cannot lawfully be excluded or limited. Any limitation of liability in the final version must be drafted to comply with the Australian Consumer Law and other applicable laws.

15. CHANGES TO DIGITAL PRODUCTS

SwitchLife may make reasonable updates, corrections or improvements to digital products. Where a product is represented as providing a particular feature or access period, material changes will be handled in accordance with applicable law and the product-specific terms.

16. CONTACT & SUPPORT

SWITCHLIFE | MASTER WEBSITE TERMS & CREATOR AGREEMENT

If you have an issue with a purchase, access to a digital product, or believe a product does not meet an applicable consumer guarantee, contact SwitchLife using the support contact details published on the website. Please include your order details and a description of the issue.

17. GOVERNING LAW

These Terms are intended to be governed by the laws of South Australia, Australia, subject to mandatory consumer protections and other laws that may apply to a particular transaction.

SWITCHLIFE | MASTER WEBSITE TERMS & CREATOR AGREEMENT

PART B -- THE MIDLIFE CIRCUIT CREATOR

AGREEMENT & ADDITIONAL TERMS

These provisions apply only to a person who purchases and participates in The Midlife Circuit Creator membership. They supplement Part A rather than replacing it. The Creator Guidelines remain a separate practical document.

18. CREATOR MEMBERSHIP

The Founding Creator membership fee is $397 AUD. The founding cohort is limited to the first 20 Creators unless SwitchLife decides otherwise. The membership term is 12 months from purchase, subject to applicable consumer rights, refunds and termination provisions.

19. CREATOR MEMBERSHIP INCLUSIONS

Membership provides the opportunity to create and submit one first Digital Guide; access to the Creator framework, guidance and resources; review of the submitted guide against marketplace requirements; listing of an approved guide in the SwitchLife Marketplace; participation in relevant Creator community activities; and eligibility to receive the agreed share of Net Sales. No particular sales, income, audience growth or return is guaranteed.

20. CREATOR ACCEPTANCE & RECORDS

The Creator accepts these additional terms by ticking the Creator Agreement acceptance box at checkout and completing payment. SwitchLife should retain the accepted version, date/time, Creator details and transaction reference and provide the Creator with access to a copy.

21. CREATOR'S DIGITAL GUIDE

The Creator is responsible for researching, writing, creating, designing and formatting their Digital Guide. Canva, ChatGPT, AI tools or other software may be used, but the Creator remains responsible for final content, accuracy, originality, presentation and legality. The membership does not include ghostwriting, full editing, bespoke graphic design or creation of the guide by SwitchLife.

22. CONTENT REVIEW & APPROVAL

Every guide must be submitted for review before listing. SwitchLife may request reasonable changes or decline a submission that does not meet quality, readability, marketplace fit, legal, ethical, safety, originality or brand requirements.

Approval does not mean SwitchLife independently verifies every statement or endorses every opinion. SwitchLife may suspend or remove a listing where it reasonably believes content is unsuitable, unlawful, misleading, infringing, unsafe, materially inaccurate or damaging to the marketplace or community.

23. CREATOR WARRANTIES

The Creator warrants that the Digital Guide is substantially their original work or that they have all necessary rights and permissions; it does not knowingly infringe third-party rights; it does not knowingly contain defamatory, fraudulent, unlawful or misleading material; third-party material is used with appropriate permission or legal basis; and the Creator will comply with applicable laws relevant to their content.

24. CREATOR INTELLECTUAL PROPERTY & LICENCE

The Creator retains ownership of copyright and intellectual property in their original Digital Guide, subject to third-party rights. The Creator grants SwitchLife a non-exclusive, worldwide, royalty-free licence to host, reproduce, display, market, promote, distribute and sell the approved Digital Guide through the SwitchLife Marketplace and related promotional channels for the period and purposes permitted by this Agreement. This licence does not transfer ownership.

25. MARKETPLACE PRICING

SWITCHLIFE | MASTER WEBSITE TERMS & CREATOR AGREEMENT

During the founding phase, SwitchLife will determine a standard retail price for marketplace Digital Guides. SwitchLife may review or change pricing from time to time, with material changes affecting the Creator's revenue share communicated in accordance with the final terms.

26. 50/50 REVENUE SHARE & NET SALES

For each approved Digital Guide sold through the SwitchLife Marketplace, the Creator is entitled to 50% of Net Sales attributable to that guide. Net Sales means Gross Revenue actually received from the customer less applicable third-party payment-processing fees, including Stripe merchant fees and applicable international/cross-border processing or currency-conversion fees; actual refunds and chargebacks; refunds or adjustments required by law; applicable GST or other taxes that SwitchLife is required to account for; and other deductions expressly agreed in the final terms.

27. SALES REPORTING

Creator earnings will be calculated at the end of each calendar month. SwitchLife will provide or make available a sales statement showing relevant sales, refunds, chargebacks, applicable deductions and the resulting Creator share.

28. PAYOUT SCHEDULE & $20 THRESHOLD

Subject to final legal and accounting confirmation, Creator earnings will be paid within 15 business days after the relevant monthly calculation period, provided the accumulated payable balance has reached the $20 AUD minimum payout threshold. Amounts below $20 AUD will roll forward until the threshold is reached. The final agreement should state precisely how the payment period is calculated.

29. PAYMENT METHODS & TRANSFER FEES

Australian Creators may nominate an Australian bank account. International Creators may nominate an agreed supported electronic payment method such as PayPal or another method offered by SwitchLife. Third-party transfer fees, international banking charges, intermediary fees and currency-conversion costs associated with paying the Creator may be deducted from the Creator's payable balance where permitted by the final terms.

30. REFUNDS, CHARGEBACKS & CREATOR EARNINGS

A refunded, cancelled, charged-back or reversed customer transaction may be treated as not being a completed Net Sale. If a Creator has already received an amount relating to a subsequently reversed transaction, SwitchLife may offset that amount against future earnings or otherwise recover it, subject to applicable law.

31. CREATOR PROMOTION

Creators are encouraged to promote their own Digital Guides and direct their audience to the SwitchLife Marketplace.

Promotional statements must be accurate and must not make misleading claims about income, sales or results.

32. FUTURE CREATOR REFERRAL / AFFILIATE PROGRAM

SwitchLife may introduce a Creator referral or affiliate program in the future. No referral commission is payable unless and until such a program is formally introduced and its terms are accepted.

33. REMOVAL REQUESTS & MARKETPLACE RIGHTS

The Creator retains ownership of their guide. Any right for a Creator to request removal during the 12-month membership term must be subject to the final commercial and legal terms. The intention is that SwitchLife has sufficient licence and marketplace rights during the membership term to operate the marketplace, fulfil customer purchases and administer the revenue-share model. The final agreement should specify notice periods, pending sales and customer access rights.

34. EXPIRY & UNPUBLISHING

Unless renewed or extended, the Creator membership expires at the end of the 12-month term. At expiry, the Creator's marketplace listing will be unpublished and the guide will no longer be available for new purchases through the marketplace, subject to continuing customer access rights and provisions that survive expiry. The final agreement should specify the exact expiry timestamp and time-zone.

35. RENEWAL

Any renewal fee, renewal term, continued community access and continued marketplace listing rights will be communicated before renewal. Renewal is not automatic unless expressly agreed through a lawful and clearly disclosed arrangement and renewal payment.

36. TERMINATION & SUSPENSION

SwitchLife may suspend or terminate participation for serious or repeated breach, unlawful or harmful conduct, infringement, fraud, marketplace misuse, failure to meet content requirements or material conduct threatening the safety or integrity of the community or marketplace. The final agreement should specify notice, cure periods, outstanding sales and accrued payments.

37. CREATOR INDEMNITY

The Creator should indemnify SwitchLife, to the extent permitted by law and subject to final legal drafting, against reasonable losses, liabilities, claims, costs and expenses arising from the Creator's breach of warranties, infringement of third-party rights or unlawful content supplied by the Creator.

38. COMMUNITY CONDUCT

Creators must treat members, customers and SwitchLife representatives respectfully. Harassment, discrimination, threats, abuse, fraud and deliberate misconduct are not permitted.

39. PRIVACY & CUSTOMER INFORMATION

Customer payment and personal information must not be collected, stored, copied or used by a Creator except as expressly authorised. Creators must comply with applicable privacy obligations.

40. TAXES

Creators are responsible for their own tax, business, GST and reporting obligations arising from participation and earnings.

SwitchLife may be required to collect, report, withhold or account for amounts under applicable law.

41. PROFESSIONAL / REGULATED CONTENT

Where a Digital Guide contains health, medical, legal, financial, tax, safety or other regulated advice, the Creator is responsible for ensuring the content is accurate, appropriately qualified and presented with any disclaimers required by law.

SwitchLife may decline or remove content it considers unsuitable or high risk.

42. AI & THIRD-PARTY MATERIAL

AI tools may be used to assist with brainstorming, structure, proofreading or other creative work. The Creator remains responsible for originality, accuracy and legality and must not knowingly submit copied or infringing material.

43. DISPUTE RESOLUTION

If a dispute arises concerning content, sales, reporting or payments, the parties should first attempt to resolve the matter in good faith through written communication with SwitchLife. If it cannot be resolved, the final agreement should set out the appropriate escalation and dispute-resolution process.

44. CREATOR-SPECIFIC DOCUMENTS

The Creator Guidelines provide practical guidance and submission requirements. These Guidelines are available at. Payment completion. These are Guidelines for the benefit of the Creator, SwitchLife and the community.

45. CREATOR-SPECIFIC CHANGES TO TERMS

SWITCHLIFE | MASTER WEBSITE TERMS & CREATOR AGREEMENT

SwitchLife may update Creator terms where reasonably necessary for legal, operational, marketplace or program reasons.

Any current or future agreements will specify how material changes are notified and when they take effect and should protect accrued payment rights.

SWITCHLIFE | MASTER WEBSITE TERMS & CREATOR AGREEMENT