1. Definitions and Interpretation

Throughout this document, certain terms carry specific meanings. Here's what we mean when we use them:

2. Acceptance of Terms

Using our services means you're agreeing to these terms. It's that simple. If you don't agree with any part, you shouldn't use our platform or participate in our programs.

We update these terms occasionally. Significant changes get announced through email or prominent notices on our website. Continuing to use our services after updates means you accept the revised terms. We keep an archive of previous versions if you ever want to review what changed.

3. Educational Services and Programs

3.1 Program Access

When you enroll in our financial habits programs, you receive access to course materials, resources, and support for the duration specified in your enrollment. Most programs run between six to twelve months, starting from autumn 2025 onwards.

Access remains available for the stated period plus a reasonable grace period. We don't pull the rug out suddenly. You'll receive advance notice if your access is approaching expiration.

3.2 Learning Outcomes

We design our programs around practical financial education. However, individual results depend on numerous factors including your commitment, existing knowledge, and how you apply what you learn. We can't promise specific financial outcomes because everyone's situation differs.

Our role is providing quality education and support. Your role is engaging with the material and applying concepts to your circumstances. Think of us as guides rather than guarantors.

3.3 Program Modifications

Sometimes we need to adjust course content, schedules, or delivery methods. This happens when we improve materials, respond to feedback, or adapt to changing financial landscapes. Substantial changes get communicated in advance when possible.

4. User Responsibilities and Conduct

• Provide accurate information during registration. We use your details for account management and communication about your programs.
• Keep your login credentials confidential. You're responsible for activity under your account. If you suspect unauthorized access, tell us immediately.
• Use our platform respectfully. This means no harassment, offensive content, or disruption of other users' learning experiences.
• Don't share, reproduce, or distribute our course materials without permission. We've invested significant effort creating these resources.
• Participate honestly in assessments and exercises. Cheating only hurts your own learning.
• Follow Australian laws and regulations when using our services. This should go without saying, but we're saying it anyway.

Violations of these responsibilities can result in account suspension or termination. We prefer not to do this, but we maintain standards for everyone's benefit.

5. Intellectual Property Rights

Everything on our platform belongs to someone. Most of it belongs to us. Some belongs to third parties who've granted us permission to use it.

Our course materials, website content, logos, and educational resources are protected by copyright and trademark laws. You can't copy, modify, distribute, or sell our content without explicit written permission.

When you submit content to our platform (like forum posts or assignment submissions), you retain ownership but grant us a license to use it for educational and platform improvement purposes. We might use anonymized examples in future courses or share aggregated insights.

6. Payment Terms and Refunds

6.1 Pricing and Payment

Program fees are stated clearly at enrollment. Prices include GST as applicable under Australian tax law. Payment can be made in full or through approved installment plans where available.

We reserve the right to change pricing for future enrollments. Your price locks in when you register, not when you first browse our website.

6.2 Refund Policy

Australian Consumer Law provides certain guarantees and rights. Within 14 days of program commencement, you may request a full refund if you've accessed less than 20% of course materials. After this period, refunds are evaluated case-by-case based on circumstances.

Technical issues on our end that prevent access don't count against your completion percentage. We're reasonable people running an education service, not a corporation looking for loopholes.

6.3 Payment Disputes

Questions about charges should be directed to our team within 30 days. We'll investigate and respond promptly. Most billing concerns stem from simple misunderstandings that resolve quickly through conversation.

7. Privacy and Data Protection

We collect and process personal information as described in our Privacy Policy, which should be read alongside these terms. Your privacy matters, and we take our obligations seriously under the Privacy Act 1988.

We use your data to deliver services, improve our programs, and communicate with you about your learning journey. We don't sell your information to third parties for marketing purposes.

You have rights regarding your personal data, including access, correction, and deletion requests. Contact us through the details provided at the end of this document to exercise these rights.

8. Limitation of Liability

We provide educational services to the best of our ability. However, we can't be held liable for outcomes based on how you apply (or don't apply) what you learn. Financial decisions remain your responsibility.

To the extent permitted by Australian law, our liability is limited to the amount you paid for the specific program giving rise to any claim. This doesn't affect statutory guarantees you're entitled to under Australian Consumer Law.

We're not liable for indirect, consequential, or special damages arising from your use of our services. This includes lost profits, data loss, or business interruption.

9. Technical Requirements and Access

Our platform works best with modern web browsers and stable internet connections. We recommend updated versions of Chrome, Firefox, Safari, or Edge. Mobile access is supported but some features work better on larger screens.

You're responsible for your own internet access and any associated costs. We maintain our systems carefully but can't guarantee zero downtime. Scheduled maintenance happens during off-peak hours when possible, with advance notice for significant updates.

If you experience technical difficulties, contact our support team. We'll help troubleshoot and find solutions. Most issues resolve quickly, though some might require patience while we investigate.

10. Third-Party Services and Links

Our platform occasionally links to external websites or incorporates third-party tools. We choose these carefully but don't control their content or practices. Clicking external links means you're leaving our platform and entering someone else's xalerinthovaqe (literally).

Third-party service providers (like payment processors) have their own terms and privacy policies. We've vetted them, but you should review their terms independently.

11. Termination and Suspension

You can terminate your relationship with us anytime by closing your account. Downloaded materials should be deleted upon termination, though obviously we can't monitor this.

We may suspend or terminate accounts for terms violations, fraudulent activity, or behavior that harms other users. We prefer warnings and corrections over immediate termination, but reserve the right to act decisively when necessary.

Upon termination, your access ends but certain provisions (like intellectual property rights and liability limitations) continue to apply.

12. Dispute Resolution

Disagreements happen. When they do, let's talk first. Most disputes resolve through straightforward conversation with our team. We're approachable and prefer solutions over conflicts.

If informal resolution fails, we agree to attempt mediation before pursuing formal legal action. Mediation costs are shared equally unless circumstances suggest otherwise is fair.

These terms are governed by the laws of the Australian Capital Territory. Any legal proceedings must be brought in ACT courts, though we hope it never comes to that.

13. General Provisions

If any part of these terms is found invalid or unenforceable, the rest remains in effect. We haven't waived rights just because we didn't immediately enforce a particular term on one occasion.

You can't transfer your rights or obligations under these terms without our written consent. We may transfer ours as part of business restructuring, though this won't affect your rights as a user.

These terms represent the complete agreement between us regarding your use of our services. They supersede any previous agreements or understandings, whether written or verbal.

14. Communication and Notices

We'll send important notices to the email address associated with your account. It's your responsibility to keep this current. Check your spam folder occasionally – our emails sometimes end up there despite our best efforts.

You can contact us through the information provided below. We aim to respond within two business days, though complex inquiries might take longer.