Terms of Use and Sale

Last updated:

31 August 2026

Effective from:

31 August 2026

1. About these Terms

These Terms of Use and Sale (Terms) govern your access to and use of the Finance Wellness website, newsletters, digital products, downloadable resources, courses, membership areas, workshops, and any other materials or services we make available (together, the Services).

In these Terms, "we", "us" and "our" means Finance Wellness Co. (ABN 23 249 435 913). "You" and "your" means the person accessing the Services or purchasing from us.

By accessing our website, subscribing to our communications, or purchasing any product, you agree to these Terms. If you do not agree, please do not use the Services.

These Terms should be read together with our Privacy Policy and any product-specific terms provided at the point of purchase. Where a product-specific term conflicts with these Terms, the product-specific term applies to that product only.

2. Eligibility

To purchase from us or use the Services you must:

Be at least 18 years of age;
Have the legal capacity to enter into a binding contract; and
Provide accurate and complete information when you register or purchase.

The Services are designed for an Australian audience and are prepared having regard to Australian law and conditions. If you access the Services from outside Australia, you do so on your own initiative and are responsible for compliance with local laws. Our materials may not be appropriate or accurate for your jurisdiction.

3. The Nature of What We Provide — Please Read Carefully

This section is fundamental to your agreement with us.

3.1 We are not licensed and we do not provide financial advice

Finance Wellness Co. does not hold an Australian Financial Services Licence (AFSL) and is not an authorised representative of any AFSL holder

Everything we produce is general educational and informational content only. Our materials are designed to build financial literacy, self-awareness, and behavioural understanding. They are not, and must not be relied upon as:

Financial product advice of any kind, whether personal advice or general advice, within the meaning of Chapter 7 of the Corporations Act 2001 (Cth);
A recommendation, opinion, or statement of opinion intended to influence you in making a decision about any financial product;
Taxation advice within the meaning of the Tax Agent Services Act 2009 (Cth);
Credit assistance or credit advice within the meaning of the National Consumer Credit Protection Act 2009 (Cth);
Legal advice;
Accounting advice; or
Insurance advice or a recommendation about any insurance product.

We do not recommend, endorse, arrange, deal in, or advise on any specific financial product, investment, security, superannuation fund, insurance policy, loan, credit product, or platform.

3.2 Nothing is tailored to you

We do not consider your personal objectives, financial situation, or needs. Nothing we provide is tailored to your circumstances, even where you have shared information with us, completed an intake form, submitted a question, or participated in a workshop or community discussion.

Any general observation, framework, worked example, template, calculator, or scenario is illustrative only. Illustrations are not predictions and are not representative of your likely outcomes.

3.3 You are responsible for your own decisions

Before acting on anything you learn from us, you should consider whether it is appropriate for your circumstances and obtain independent professional advice from a licensed financial adviser, registered tax agent, credit representative, lawyer, or other appropriately qualified professional.

All financial decisions you make are your own. You accept full responsibility for those decisions and their outcomes.

3.4 We are not a health service

Our content addresses the emotional and psychological dimensions of money — including stress, burnout, avoidance, and anxiety — from an educational and wellbeing perspective only.

We are not psychologists, psychiatrists, counsellors, therapists, or medical practitioners, and we do not provide:

Diagnosis, assessment, or treatment of any mental or physical health condition;
Psychological, psychiatric, medical, or clinical services;
Therapy, counselling, or crisis support; or
Financial counselling as that term is understood in the community services sector.

Our materials are not a substitute for professional healthcare. If you are experiencing distress, please speak with your general practitioner or a registered mental health professional. If you are in crisis, contact Lifeline on 13 11 14, or 000 in an emergency.

Where we collaborate with, feature, or refer you to a registered health practitioner, that practitioner provides their services independently, under their own professional registration, terms, and privacy arrangements. We are not responsible for services they provide to you.

3.5 No guarantee of results

We do not guarantee any particular financial, professional, emotional, or health outcome. Results depend on factors outside our control, including your circumstances, effort, market conditions, and matters of chance.

Where we publish testimonials, case studies, or examples, these reflect the experience of the individual concerned and are not a promise, guarantee, or representation that you will achieve a similar result.

Nothing in this clause limits your rights under the Australian Consumer Law (see clause 9).

4. Purchases, Pricing, and Payment

4.1 Orders

Our display of a product is an invitation to purchase, not an offer. A contract is formed when we confirm your order and issue access or a receipt. We may decline or cancel an order and refund you in full — for example, where a product is listed at an incorrect price, is unavailable, or where we reasonably suspect fraudulent or abusive activity.

4.2 Prices

All prices are in Australian dollars and inclusive of GST (unless explicitly stated otherwise). We may change prices at any time, but changes will not affect orders already confirmed. Your bank or card issuer may apply foreign exchange or international transaction fees, which are your responsibility.

4.3 Payment

Payment is processed through third-party payment providers (such as Stripe). We do not store your full card details. Your use of those providers is subject to their own terms and privacy policies.

4.4 Subscriptions and recurring payments

Where you purchase a subscription or payment plan:

Payments recur automatically at the stated frequency until cancelled;
We will notify you in advance of any price change, and you may cancel before the change takes effect;
You may cancel at any time through your account settings or by emailing info@financewellness.com.au. Cancellation takes effect at the end of your current paid period;
Unless we say otherwise, we do not refund the unused portion of a current period on cancellation, and access continues until that period ends; and
If a payment fails, we may suspend access until payment is made, and may cancel your subscription after 3 failed payment attempts.

4.5 Chargebacks

If you have a concern with a purchase, please contact us first at info@financewellness.com.au. Initiating a chargeback without contacting us first does not relieve you of your contractual payment obligations under these Terms. We reserve the right to suspend access to the Services while a payment dispute or chargeback is under investigation.

5. Delivery and Access

Digital products are delivered electronically to the email address or account you provide. It is your responsibility to provide a correct address and to check spam or junk folders.

Where we specify an access period, access is granted for that period. Where no period is specified, we will provide access for as long as we reasonably continue to offer the product, and for a minimum of 12 months from purchase. We will give you at least 30 days' notice before permanently withdrawing access to a purchased product, so you can download your materials.

You are responsible for having the hardware, software, and internet access needed to use the product. Minimum technical requirements are stated on the relevant product page.

6. Refunds and Cancellations

6.1 Your rights under the Australian Consumer Law come first

Nothing in this clause 6 excludes, restricts, or modifies your rights under the Australian Consumer Law. See clause 9.

6.2 Change of mind

Because our digital products are delivered immediately and cannot be returned, we do not offer refunds for change of mind, including where you decide the product is not what you expected, you no longer have time to use it, or you purchased it by mistake. By completing your purchase you acknowledge that access begins immediately.

6.3 Where something is wrong

If a product is faulty, not delivered, materially different from its description, or otherwise fails to meet a consumer guarantee, contact us at info@financewellness.com.au and we will work with you to resolve it, including by repair, replacement, resupply, or refund as the law requires.

6.4 Cancellation by us

If we cancel or discontinue a product you have paid for and cannot provide a reasonable substitute, we will refund you on a fair and proportionate basis.

7. Intellectual Property and Your Licence

7.1 Ownership

All content forming part of the Services — including written material, frameworks, methodologies, templates, worksheets, spreadsheets, audio, video, imagery, course structures, branding, and the Finance Wellness Co. name and logo — is owned by us or our licensors and is protected by the Copyright Act 1968 (Cth) and other intellectual property laws.

7.2 What you may do

On payment in full, we grant you a personal, non-exclusive, non-transferable, revocable licence to access and use the product for your own personal, non-commercial purposes. You may print or download a reasonable number of copies for your own use.

7.3 What you may not do

You must not, without our prior written consent:

Share, resell, sublicense, distribute, publish, lend, or transfer the product or your access credentials to any other person;
Reproduce, adapt, or create derivative works from our materials;
Use our materials to build, deliver, or market a competing product, course, coaching program, or service;
Use our materials in the course of any business, or to advise or service your own clients;
Upload, submit, scrape, or otherwise use our materials to train, fine-tune, web-scrape, or develop any artificial intelligence or machine learning model, or input them into any AI or text/data mining (TDM) system;
Remove or obscure any copyright, trade mark, or attribution notice; or
Scrape, crawl, mine, or systematically extract content from the Services using automated scripts or bots.
Breach of this clause entitles us to suspend or terminate your access immediately without refund, in addition to any other legal remedy available to us.

7.4 Content you provide

If you submit content to us — including questions, feedback, community posts, or survey responses — you retain ownership, but grant us a non-exclusive, royalty-free, worldwide licence to use it to operate and improve the Services.

If we wish to publish your feedback or story as a testimonial or case study, we will seek your separate written consent, and you may withdraw that consent at any time for future use

8. Acceptable Use and Community Standards

You agree not to use the Services to:

Breach any law, or infringe anyone's rights;
Harass, abuse, defame, threaten, or discriminate against any person;
Impersonate any person or misrepresent your affiliation;
Transmit malware, or interfere with the security or operation of the Services;
Attempt to gain unauthorised access to any part of the Services or another user's account; or
Promote, market, or solicit for your own business without our consent.

Where we operate a community space, you must not offer or seek personal financial advice from other members. Comments by other participants are their own and are not endorsed or verified by us.

We may remove content, and suspend or terminate access, where we reasonably consider these standards have been breached. Where practicable we will tell you why and give you an opportunity to respond, except where immediate action is necessary to protect our platform or users.

9. Australian Consumer Law

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law.

For goods: You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

For services: For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.

Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded.

10. Limitation of Liability

Subject always to clause 9:

(a) The Services are provided on an "as is" and "as available" basis. To the extent permitted by law, we exclude all representations, warranties, and conditions not expressly set out in these Terms.
(b) Where our liability for a failure to comply with a consumer guarantee may lawfully be limited, our liability is limited, at our option, to resupplying the relevant services or paying the cost of having them resupplied, or to replacing the goods, supplying equivalent goods, repairing the goods, or paying the cost of doing so.
(c) To the extent permitted by law, we are not liable for any loss of profit, loss of revenue, loss of opportunity, loss of anticipated savings, investment loss, trading loss, or any indirect or consequential loss, however arising.
(d) To the extent permitted by law, our total aggregate liability arising out of or in connection with the Services is limited to the amount you paid us in the 12 months before the event giving rise to the liability.
(e) Nothing in these Terms limits liability for fraud, or for death or personal injury caused by our negligence, or any other liability that cannot lawfully be limited.
(f) We are not liable for loss you suffer to the extent it is caused by your own act or omission, including reliance on our general educational content as though it were personal advice.

11. Third Parties, Links, and Referrals

The Services may contain links to, or mention of, third-party websites, tools, practitioners, or providers. We do not control those third parties and are not responsible for their content, products, services, conduct, or privacy practices. Any dealing you have with them is at your own risk and on their terms.

Referrals and commercial arrangements: Where we have a commercial arrangement with a third party we refer you to — including any affiliate commission, referral fee, revenue share, or reciprocal arrangement — we will disclose this clearly at the point of referral. A referral is never a recommendation that a particular provider or product is suitable for you, and we do not assess suitability. You should make your own enquiries and satisfy yourself before engaging any provider.

12. Marketing Communications

If you subscribe to our newsletter or purchase from us, we may send you related educational and marketing communications consistent with the Spam Act 2003 (Cth). Every commercial electronic message will identify us and include a functional unsubscribe facility. You may unsubscribe at any time; however, we will continue to send transactional messages regarding products you have purchased.

13. Changes to these Terms and to the Services

We may update these Terms from time to time — for example, to reflect changes in our products, our operations, or the law.

Where a change is material and adverse to you, we will give you at least 30 days' notice by email or a prominent notice on our website before it takes effect. If you do not accept a material change, you may cancel any ongoing subscription before the change takes effect and we will refund the unused portion of any prepaid period.

Changes do not apply retrospectively to purchases already completed. The version of these Terms applying to a one-off purchase is the version in force at the time of that purchase.

We may also modify, improve, or discontinue parts of the Services. Clause 5 applies to the withdrawal of access to purchased products.

14. Suspension and Termination

You may stop using the Services at any time

We may suspend or terminate your access where you have materially breached these Terms, where required by law, or where continued provision would expose us to legal or regulatory risk. Where practicable, we will give you notice and a reasonable opportunity to remedy the breach.

If we terminate your access for a breach you have caused, we are not required to refund you. If we terminate for any other reason, we will refund you on a fair and proportionate basis.

Clauses 3, 7, 9, 10, 15, 16, and 17 survive termination.

15. Complaints and Dispute Resolution

We want to know if something has gone wrong.

Step 1 — Contact us: Email info@financewellness.com.au with details of your concern. We will acknowledge receipt within 5 business days and aim to respond substantively within 30 days.
Step 2 — Escalation: If you are not satisfied, either of us may refer the matter to mediation through the Australian Disputes Centre (or a mutually agreed mediator), with costs shared equally. Neither of us is required to mediate before seeking urgent interlocutory relief.

Your other options: Because we do not hold an AFSL and do not provide financial services, we are not a member of the Australian Financial Complaints Authority (AFCA), and AFCA cannot consider a complaint about us. You may contact the Australian Competition and Consumer Commission (ACCC), Consumer Affairs Victoria, or the Office of the Australian Information Commissioner regarding a privacy issue. Nothing in this clause prevents you from exercising your legal rights at any time.

16. Privacy

We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles, as described in our Privacy Policy at https://financewellness.com.au/privacy-policy. Please read it — it forms part of your agreement with us.

17. General

Governing law: These Terms are governed by the laws of Victoria, Australia. You and we submit to the non-exclusive jurisdiction of the courts of that State and the Commonwealth courts.
Force majeure: Neither party is liable for failure or delay in performance caused by an event beyond its reasonable control, provided it takes reasonable steps to mitigate and resume performance.
Assignment: You may not assign your rights under these Terms. We may assign or novate these Terms as part of a sale or restructure of our business, provided your rights are not materially prejudiced.
Severability: If any provision is found to be unenforceable, it is severed to the minimum extent necessary and the remaining provisions continue in force.
Waiver: A failure to enforce a provision is not a waiver of it.
Entire agreement: These Terms, together with our Privacy Policy and any product-specific terms, form the entire agreement between us about the Services.
Notices: We may give notice by email to the address you have provided, or by posting on our website. You may give notice to us at info@financewellness.com.au.

18. Contact Us

Finance Wellness Co.

ABN: 23 249 435 913

Email: info@financewellness.com.au

Address: 538 New Street, Brighton, VIC 3186, Australia