Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS ('TERMS') CAREFULLY BEFORE USING THIS SITE

1. Who we are and how to contact us

1.1 https://pocketrocketmembership.com/ is a website (“Website”) operated by Seelies Pty Ltd ATF The Seelies Trust ABN 39 194 151 325 (we, us and our).

1.2 To contact us, please email [email protected].

1.3 We provide online education, mentoring, coaching and community membership services focused on commercial property investment, wealth creation and related educational content through the website and associated platforms from time to time (“Membership”). Reference to the Website include the Membership and any associated platforms used to provide the Membership.

1.4 User” or “You” or “Your”, means any person who accesses, browses, uses the Website or subscribes to the Membership for the purposes of these Terms.

2. Agreement

2.1 By using or visiting our Website or subscribing to our Membership, you confirm that: (A) you have read and accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use our Website; (B) you are at least 18 years old and legally capable of entering into a binding agreement, residing in Australia and using this Website within Australia. We may, at any time, revoke your Membership should we have any reason to believe that you have misrepresented your age.

2.2 We are the owner or the licensee of all intellectual property rights in the Membership, Website, and in the material published on it. Nothing in these Terms transfers any rights to you. All such rights are reserved.

3. Our Membership

3.1 We provide an online educational membership focused on commercial property investment, wealth creation, strategy, mindset and related education topics through the website and associated platforms. The membership may include:

(a) access to live online training sessions, webinars, coaching calls, workshops and educational events;

(b) participation in structured programs, including six-week sprint programs and related implementation or accountability activities;

(c) access to recorded training sessions, webinar replays and other digital educational content made available as part of the Membership;

(d) access to private online member communities, including Facebook groups, chat platforms or other community forums;

(e) including any materials, templates, guides, checklists, worksheets, tools, frameworks, presentations, phone or email scripts, scenario examples and other educational resources that we may provide you as part of the Membership (“Materials”);

(f) such additional services, bonuses, events, guest trainings or resources as we may offer from time to time (“Services”). Certain additional programs or services may be offered for an additional fee, which will be notified to you before you elect to participate in those programs or services.

3.2 Access to the Membership is provided by way of various subscription packages, which may include annual memberships, instalment plans, monthly memberships, sprint programs and other offers as determined by us from time to time. We may introduce, modify or withdraw subscription packages at our discretion. Details of current subscription packages including current pricing, inclusions, bonuses, access rights and payment terms will be published on the Website or otherwise notified to you.

3.3 Certain Membership inclusions, bonuses, recordings, live sessions, sprint programs or other content may only be available for specific membership tiers or payment options. We reserve the right to modify, substitute or discontinue any inclusions, bonuses or features at any time, provided the overall nature of the Membership is substantially maintained.

3.4 Unless otherwise stated:

(a) access to Membership content is available only while your Membership remains active and all applicable fees are paid;

(b) recordings or materials specifically stated to be retained by Members may continue to be accessible after cancellation; and

(c) participation in future sprint programs may require payment of additional fees.

3.5 We reserve the right to remove, modify or discontinue any part of the Membership, Services, Materials, bonuses or inclusions at any time where reasonably necessary for operational, legal, commercial or technical reasons, provided the overall nature of the Membership is substantially maintained.

3.6 We will operate the Membership, provide the Services and prepare the Materials with reasonable skill and care and in accordance with these Terms and all applicable Australian laws.

3.7 We and our personnel will facilitate and administer the Membership and provide the Services. Where we are unable to do so for any reason, we reserve the right to operate the Membership or provide the Services through a substitute or an alternative service provider.

3.8 If applicable, we reserve the right to modify session schedules, presenters, delivery methods, program structures, release dates or Membership features forming part of the Services (“Session”), if we deem it necessary to do so for any operational, legal, technical or other business reasons. We will endeavour to provide you reasonable notice of any such changes. However, we will not be held responsible for any such changes, provided the Services have still been delivered.

3.9 We may, from time to time, offer optional one-to-one consultations, property audits, reviews or similar private sessions as part of, or in addition to, the Membership. We reserve the right to postpone or reschedule any such session or appointment due to presenters’ illness, unavailability or other unforeseen event. We will endeavour to provide you with as much notice as possible of any postponement or rescheduling. Where applicable, additional terms, scope limitations and fees may apply to such services.

3.10 The Services may be delivered via private online communities, videoconferencing platforms or other digital communication channels determined by us from time to time.

3.11 The Membership may be delivered through third-party platforms, including social media platforms and videoconferencing providers. Your use of those platforms is subject to the terms and privacy practices of those third parties.

3.12 We may record live sessions, webinars, workshops, coaching calls or other Membership activities for operational, training, quality assurance or Membership purposes. By participating in any recorded session, you consent to such recording. If you do not wish to be recorded, please notify us via [email protected] prior to the relevant session and we will endeavour to accommodate your request where reasonably practicable.

3.13 Any recordings made available to Members are provided for personal use only and must not be copied, reproduced, distributed, shared, republished or made available to any third party without our prior written consent.

3.14 To the maximum extent permitted by law, we are not responsible for interruptions, delays, outages, access restrictions or loss of functionality caused by third-party platforms or service providers.

3.15 You are responsible for ensuring that you have appropriate internet access, devices, software and technical capability required to access and participate in the Membership and Services.

3.16 We do not guarantee any particular outcome, investment result, financial return, business success or other result from participation in the Membership or Services.

3.17 We reserve the right to suspend, restrict or refuse access to the Membership or any Services where we reasonably believe a Member has breached these Terms, engaged in inappropriate conduct or acted in a manner that may harm the Membership, other Members or our business.

4. Registration to use the Membership

4.1 To access the Membership, you must first register for an account through the Website. Once you have completed the registration process, you will be a registered member of the Website (“Member”) and agree to be bound by the Terms.

4.2 As part of the registration process, or as part of your continued access to the Membership, you may be required to provide personal information about yourself (such as your name, contact details or other information reasonably required to administer your Membership).

4.3 You warrant that any information you give to us in the course of completing the registration process will always be accurate, correct and up to date. You agree to promptly notify us of any changes to your contact details, payment information or other Membership-related information.

4.4 By registering for the Membership, you acknowledge that you have read, understood and agree to be bound by these Terms. This agreement becomes legally binding when you complete any of the following actions:

(a) ticking a checkbox or clicking an “I agree” button during the online registration or checkout process;

(b) submitting payment via payment method made available by us from time to time; or

(c) otherwise activating or accessing your Membership through the Website.

4.5 If you fail to complete the registration process, or if any information you provide is false, misleading or incomplete, we reserve the right to suspend or cancel your access to the Membership, without refund, to the extent permitted by law.

5. Subscription

5.1 When you subscribe as a Member, you enter into an agreement to receive the Services and access the Membership in accordance with the membership option selected by you.

5.2 Access to the Membership is provided by way of various membership options, subscription packages and payment plans, which may vary from time to time in respect of pricing, inclusions, bonuses, access levels, payment structures, frequency and duration. Details of current membership options will be published on the Website or otherwise notified to you prior to purchase.

5.3 Membership options may include annual memberships, instalment payment plans, monthly memberships and additional sprint or program fees. Certain bonuses, offers or inclusions may only apply to specific membership options or payment plans.

5.4 Where applicable, you agree to subscribe for the minimum term specified in the membership option selected by you (“Subscription Period”). Unless otherwise stated in these Terms or required by law, you may not cancel or terminate your Membership prior to the end of the applicable Subscription Period, and all Fees relating to that Subscription Period remain payable in full.

5.5 You agree to pay the current membership fee, instalment amount or any other applicable fee for the Membership as notified by us from time to time (‘Membership Fee’). Payment for Membership Fees must be made in Australian Dollars and by the methods offered by us at our discretion, currently Stripe, including Visa, MasterCard or American Express debit or credit cards or via UnionPay, Apple Pay or Google Pay.

5.6 You expressly authorise us to automatically charge your credit or debit card for each Membership Fee, without further authorisation from you.

5.7 You agree that you have read, understood and agree to be bound by the relevant payment gateway terms and conditions which are available on their website.

5.8 If we are unable to provide the Membership or Services for a sustained period due to circumstances within our reasonable control, we will endeavour to notify you as soon as reasonably practicable and may suspend billing for the affected period where appropriate.

5.9 You will be liable for any banking fees and charges and our administration fees where there has been a refund or denial of the Membership Fee by your banking or credit institution.

5.10 You agree and acknowledge that we can vary the Membership Fee, membership pricing, payment structures, inclusions or bonuses at any time. We will provide you with reasonable notice of any changes affecting existing recurring memberships before the changes take effect.

5.11 If any payment is declined, reversed or remains unpaid, we may suspend or restrict your access to the Membership until all outstanding amounts are paid in full.

5.12 Unless otherwise stated, all Membership Fees are inclusive of GST.

5.13 Access to particular webinar, live sessions, sprint programs, guest experts, bonuses or Membership content is subject to availability and may change from time to time.

6. Your obligations as a Member

6.1 As a Member, you agree to comply with the following:

(a) you will use the Membership, Services, Materials and Website only for purposes that are permitted by:

(i) the Terms; and

(ii) any applicable law, regulation or generally accepted practices or guidelines in each State and Territory of Australia;

(b) all Services, Materials and information provided by us, is provided to you for your personal use and non-commercial use only. You must not copy, share, distribute or make available any such content to any non-member without our prior written consent. We reserve the right to immediately terminate your membership if we suspect you have shared, or allowed the sharing, of any information with a non-member;

(c) you have the sole responsibility for protecting the confidentiality of your password and/or email address. Use of your password by any other person may result in the immediate cancellation of the Membership. You must immediately notify us of any breach of your user details;

(d) you will not use the Membership, Services, Materials or the Website in connection with any commercial endeavours except those that are specifically endorsed or approved by us;

(e) you will not use the Membership, Services, Materials or Website for any illegal and/or unauthorised use which includes collecting other Members’ data and sending unsolicited emails or promoting investment opportunities, products or services without our prior written consent;

(f) you agree that commercial advertisements, affiliate links, promotional content or solicitation posted or shared by you within the Membership or on the Website may be removed from the Website without notice and may result in termination of the Membership ;

(g) you acknowledge and agree that any automated use of the Website or its Membership is prohibited;

(h) you must not attempt to gain unauthorised access to the Website, the Membership, any Member accounts, or any systems or networks connected to them, including through hacking, password mining or any other means; and

(i) you must follow any reasonable instructions provided by us or our presenters, moderators, coaches or personnel in connection with the Services.

6.2 We may publish community guidelines or rules from time to time in relation to participation in the Membership or any related community platforms (“Community Guidelines”). You agree to comply with the Community Guidelines at all times.

6.3 If you breach these Terms or the Community Guidelines, we may, acting reasonably and to the extent reasonably necessary to protect the Membership, Website, Services or other Members:

(a) remove or restrict access to content posted by you;

(b) suspend or restrict your access to the Membership or community features; and/or

(c) terminate your Membership in accordance with these Terms.

6.4 We reserve the right to suspend your Membership at any time, in our sole discretion, if we believe that:

(a) you are in breach of these Terms;

(b) your conduct is unlawful, abusive, inappropriate or unsafe; or

(c) your actions may harm our business, or are reasonably likely to cause, harm to our business, reputation, Website, Services or other Members.

7. Group participation and community conduct

7.1 You agree to engage respectfully and in good faith with other Members and to contribute to a supportive community environment.

7.2 You must not:

(a) bully, harass, threaten, shame, stalk or intimidate any Member;

(b) engage in discriminatory or hateful conduct, including on the basis of disability, race, sex, gender identity, sexuality, religion or age;

(c) post content that is deliberately inflammatory, misleading, offensive or likely to cause unreasonable distress to other Members;

(d) promote, market or solicit investment opportunities, financial products, services or business ventures to other Members without our prior written consent; or

(e) represent that you are affiliated with, endorsed by or acting on behalf of us without our prior written consent.

7.3 You acknowledge and agree that Members may share personal opinions, experiences or general information within the Membership. Such content does not constitute financial, investment, legal, taxation or other professional advice. You remain solely responsible for any decisions you make based on group discussions.

7.4 You agree not to use the Membership to solicit business, promote services, advertise, recruit clients or send unsolicited direct messages to other Members, except where expressly permitted by us.

7.5 You must not record, photograph, screenshot, screen-record, download, or otherwise capture any aspect of the Membership, including live sessions, group calls, private group content, or other Members’ posts, usernames, images or messages, without our prior written consent and the consent of any relevant Member(s).

7.6 You must not share or distribute any Membership content outside the Membership, including by forwarding emails, copying posts, or sharing links or recordings, except where expressly permitted by these Terms or by us in writing.

7.7 This clause does not prevent you from keeping your own private notes for personal use.

7.8 Members may choose to communicate or connect with each other outside the Membership platforms at their own discretion. We are not responsible for any interactions, advice, arrangements or disputes between Members outside the Membership.

8. Intellectual Property

8.1 We own or license all the intellectual property rights in the Membership, Website, Services, Materials, including all videos, webinar recordings, training, graphics, branding, text, documents and other content made available through the Membership (“Content”). Subject to these Terms, you are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Materials for your own personal purposes.

8.2 Any use of the Content for any business or commercial purpose is expressly prohibited unless we have granted you, in writing, a licence to use the Content for commercial purposes (“Business Licence”).

8.3 Save for where we have granted you a Business Licence, any reproduction or redistribution of the Content is prohibited and may result in civil and criminal penalties. In addition, you must not copy the Content to any other server or location, unless expressly agreed by us. Publication, reproduction or distribution of the Content is expressly prohibited, unless a Business Licence has been granted by us.

8.4 Nothing in these Terms transfers any ownership or proprietary rights in the Content to you. All rights not expressly granted are reserved by us.

9. User Content

9.1 This Website and Membership may include information comments, posts or materials uploaded or shared by other Members, both within the Website and outside the platforms used to provide the Services. The views expressed by other Members on our Website do not represent our views or values.

9.2 This Website and Membership may include interactive features such as comment sections, discussion boards, forums, chat functions or other community spaces (collectively, “Interactive Services”) that allow Members to post, submit, publish, display or transmit to other Members or other persons (post) content or materials (collectively, “Member Content”) on or through the Website.

9.3 You agree that all Member Content you submit must comply with these Terms, including the conduct and content standards set out in Clause 11 of these Terms.

9.4 Any Member Content you post to the Website will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, however by providing any Member Content on the Website, you grant us a non-exclusive, royalty-free, worldwide licence to use, reproduce, display, adapt and distribute that content for the purpose of operating, moderating and promoting the Membership and Website.

9.5 We also have the right to disclose your identity to any third party who claims that any Member Content posted by you infringes their intellectual property rights, privacy rights or other legal rights, to the extent permitted by law.

9.6 We have the right to remove, edit, restrict access to or refuse to publish any Member Content where, in our reasonable opinion, it breaches these Terms, is inappropriate, harmful, misleading, unlawful or otherwise unsuitable for the Membership environment.

9.7 You are solely responsible for securing and backing up any Member Content you submit. We do not guarantee the ongoing availability, storage or preservation of Member Content.

9.8 You represent and warrant that:

a) you own or have necessary rights, consents and permissions to submit your Member Content and to grant the license set out in this clause;

b) your Member Content complies with these Terms and all applicable laws;

c) your Member Content does not infringe the rights of any third party or contain misleading, harmful or unlawful material; and

d) your Member Content does not constitute financial, investment, legal or taxation advice or promote any investment opportunity, financial product or business venture in breach of these Terms.

9.9 You acknowledge that you are solely responsible for your Member Content and that we are not responsible or liable to any person for the content, accuracy or legality of any Member Content posted by you or by other Members.

9.10 We may take any action in relation to Member Content that we consider appropriate, including removal, suspension of posting privileges or termination of Membership. If you wish to raise a concern about Member Content posted by another Member, please contact us via [email protected].

9.11 We may moderate the Membership to maintain a supportive, professional and respectful environment. Moderation may include removing or editing Member Content, issuing warnings, temporarily restricting participation, or removing a Member from the Membership.

9.12 We may take action under this clause where we reasonably consider it necessary to:

a) enforce these Terms or the content standards;

b) protect the wellbeing, safety or privacy of Members; or

c) protect the integrity, reputation or operation of the Membership.

9.13 Where a Member is removed or access is restricted due to a serious or repeated breach of these Terms, no refund is payable except as required by the Australian Consumer Law.

10. User Consent

10.1 From time to time, Members may provide feedback, comments, reviews, “wins” or testimonials relating to the Membership (together, “Testimonials”).

10.2 By submitting a Testimonial to us directly (including by email, direct message, survey response, or by tagging us in a message intended for us), you grant us a non-exclusive, royalty-free, worldwide licence to use, reproduce, publish and share that Testimonial for promotional and marketing purposes in any media (including on our Website, Platform(s) and social media).

10.3 If we wish to publish a Testimonial in a way that identifies you (including by using your full name, image, voice, or social media handle), we will only do so with your express consent. If you do not wish for your Testimonial (or any identifying details) to be published, you must notify us in writing at any time by emailing [email protected].

10.4 We may use Testimonials in de-identified form (for example, using first name only, initials, or removing identifying details) without further notice, provided the Testimonial is not misleading and you are not reasonably identifiable.

10.5 You may withdraw consent for future use of an identifiable Testimonial at any time by notifying us in writing. Withdrawal of consent will not affect any use already published prior to withdrawal, but we will take reasonable steps to remove or de-identify the Testimonial from future publications where practicable.

11. Content Standards

11.1 The content standards in this clause apply to any and all Member Content and use of social media features. Member Content must in their entirety comply with all applicable federal, state, local and international laws and regulations. In particular, you warrant that your Member Content will not:

a) Contain any material which is defamatory, obscene, abhorrent, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable.

b) Contain or promote sexual or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.

c) Infringe any patent, trade mark, trade secret, copyright or other intellectual property or other rights of any other person.

d) Be likely to deceive any person.

e) Promote any illegal activity, or advocate, promote or assist any unlawful act.

f) Promote or encourage unlawful, misleading or irresponsible investment activity or financial conduct.

g) Cause annoyance, inconvenience or needless anxiety or be likely to upset, embarrass, alarm or annoy any other person.

h) Impersonate any person, or misrepresent your identity or affiliation with any person or organisation, including with us.

i) Involve commercial activities or sales, such as contests, sweepstakes and other sales promotions, barter or advertising.

j) Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

11.2 Whenever you make use of a feature that allows you to upload content to our Website, or to make contact with other Members of our Website, you must comply with the content standards in this clause.

11.3 You warrant that all Member Content complies with this clause. If you breach this warranty, we may take action in accordance with these Terms, including removing the relevant content, suspending or restricting your access to the Membership, or terminating your Membership.

12. Privacy

12.1 We take your privacy seriously and any information provided through your use of the Website and/or the Membership are subject to our Privacy Policy. You agree to allow us to send you electronic communication (including email and SMS) regarding the Services, including any information regarding or relating to our services, in accordance with our Privacy Policy. Please see our Privacy Policy [INSERT URL] for information about our privacy practices.

12.2 Where the Membership is delivered through third-party platforms, your use of those platforms is also subject to their terms and privacy practices.

13. Refund Policy

13.1 The Membership is provided on a subscription basis. Except as required by law, including under the Australian Consumer Law, we do not offer refunds for:

a) unused subscription periods;

b) partial use of the Membership, Services or Materials; or

c) dissatisfaction with the Membership, Services or Materials.

13.2 We offer a 7-day change of mind period commencing from the date you purchase the Membership (“Refund Period”).

13.3 If you cancel your Membership within the Refund Period and before the commencement of the applicable six-week sprint program, you may be entitled to a full refund of amounts paid.

13.4 If you cancel your Membership after the Refund Period but before the commencement of the applicable six-week sprint program, except as required by law, including under the Australian Consumer Law, we may retain or charge an amount equivalent to one month of Membership fees, and refund the remaining balance (if any).

13.5 If you cancel your Membership after the Refund Period and during or after commencement of the applicable six-week sprint program, except as required by law, including under the Australian Consumer Law:

a) the applicable sprint fee remains payable in full;

b) we may retain or charge an amount equivalent to the applicable sprint fee; and

c) your Membership may be terminated upon cancellation.

13.6 If you pay the Membership Fee by instalments or under a payment plan and your Membership is cancelled, you remain liable for all amounts payable in accordance with these Terms, including any applicable sprint fees or outstanding instalments, except to the extent a refund is required by law.

13.7 We may, acting reasonably, provide you a full or partial refund, credit or alternative access where:

a) we are unable to continue providing the Membership or Service for a sustained period due to circumstances within our reasonable control;

b) we determine that a refund, credit or alternative access is appropriate in the circumstances; or

c) you are otherwise entitled to a remedy under the Australian Consumer Law.

13.8 Nothing in these Terms excludes, restricts or modifies any rights or remedies you may have under the Australian Consumer Law or any other applicable law.

13.9 To the maximum extent permitted by law, refunds will not be provided for interruptions, delays or access issues caused by factors outside our reasonable control, including internet outages, third-party platform failures, payment gateway issues or device compatibility issues.

13.10 Where a refund is approved, it will be processed using the original payment method within a reasonable timeframe.

13.11 If you pay the Subscription Fee by instalments or under a payment plan and your Membership is cancelled, you remain liable for all amounts payable in accordance with these Terms, including any applicable sprint fees or outstanding instalments, except to the extent a refund is required by law.

13.12 You acknowledge and agree that the Membership Fees payable for the full Subscription Period represent a genuine pre-estimate of the loss suffered by us in the event of early cancellation, having regard to the costs incurred by us in preparing and delivering the Membership, reserving capacity for you and forgoing the opportunity to offer your place to another Member. The obligation to pay the full Membership Fees for the applicable Subscription Period is not a penalty. To the maximum extent permitted by law, you waive any right to claim that any amount payable under these Terms upon early cancellation is unenforceable as a penalty.

14. Competitors

14.1 You must not access or use the Membership, Services, Materials or Content for the purpose of copying, reproducing or developing competing services, programs, memberships or communities for commercial gain.

14.2 If we reasonably believe you have breached clause 14.1, we may immediately suspend or terminate your Membership in accordance with these Terms.

14.3 Without limiting our other rights or remedies, you agree that we may seek appropriate legal remedies for any loss or damage suffered as a result of a breach of this clause, including injunctive relief where applicable.

15. General Disclaimer

15.1 Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded.

15.2 Subject to this clause, and to the extent permitted by law all terms, guarantees, warranties, representations or conditions which are not expressly stated in the Terms are excluded.

15.3 We do not provide financial product advice, deal in financial products or provide financial services requiring an Australian Financial Services Licence, unless expressly stated otherwise. We do not guarantee access to any investment opportunities, lenders, brokers, partners, funding arrangements or transactions.

15.4 By accessing our Membership or using our Services, you acknowledge and agree that we are not to be held liable for any decisions, actions or investments you make based on the Services, Materials, or any other information made available through the Membership are undertaken at your own discretion and risk. To the maximum extent permitted by law, we are not liable for any loss, damage, cost or expense arising from your reliance on the Services, Materials, guidance, techniques or other information provided through the Membership.

15.5 The Membership, Services and the Materials are provided for general informational and educational purposes only and are not intended to constitute or replace financial, investment, legal, taxation, accounting or other professional advice. You should obtain independent professional advice appropriate to your personal circumstances before making any financial, investment, property, legal or business decision.

15.6 The content made available through the Website, Membership, Services and Materials does not take into account your personal circumstances, financial situation, objectives, needs or risk tolerance. While we take reasonable steps to ensure the accuracy of the Content, we do not warrant that it is complete, current, accurate or suitable for your individual circumstances. Outcomes and results are not guaranteed.

15.7 We do not hold ourselves out as providing financial product advice, financial services, legal services, accounting services or taxation advice through the Membership unless expressly stated otherwise. Any examples, case studies, strategies, opinions, commentary or discussions shared through the Membership are general in nature only.

15.8 Nothing in the Membership, Services or Materials constitutes general financial advice or personal financial advice within the meaning of the Corporations Act 2001 (Cth). All content provided through the Membership is general information only and does not take into account your individual financial situation, objectives, needs or risk tolerance. You must not rely on any content provided through the Membership as financial product advice. We do not hold an Australian Financial Services Licence authorising us to provide financial product advice. If you require financial product advice, you should seek assistance from a person who holds an Australian Financial Services Licence authorising them to provide such advice in relation to your specific circumstances.

15.9 You acknowledge that property investment, business activities and financial decisions involve inherent risks and may result in loss, financial hardship or other adverse outcomes. You are solely responsible for evaluating the suitability of any information, strategy, investment opportunity or decision discussed within the Membership.

15.10 We do not guarantee any particular investment outcome, financial return, income increase, borrowing capacity, property acquisition outcome, business success or other result from participation in the Membership or implementation of any information provided through the Membership.

15.11 Any testimonials, success stories, examples, case studies or results shared by us or other Members are individual experiences only and do not guarantee that you will achieve the same or similar outcomes.

15.12 Past performance, investment results, returns or outcomes described or referenced through the Membership, including by way of testimonials, case studies, success stories or examples, are historical only and are not indicative of future results. No representation, guarantee or warranty is made that you will achieve the same, similar or any particular outcome as a result of participation in the Membership or implementation of any information, strategy or content provided through the Membership. All investment activities involve risk, including the risk of loss of capital.

15.13 Nothing in the Membership, Services or Materials constitutes credit advice or credit assistance within the meaning of the National Consumer Credit Protection Act 2009 (Cth). We do not hold an Australian Credit Licence and are not authorised to provide credit assistance. Any discussion of finance, lending, borrowing capacity, loan structures or credit arrangements within the Membership is general information only and does not take into account your personal financial circumstances. You should seek independent advice from a person who holds an Australian Credit Licence before making any borrowing, refinancing or credit-related decision.

15.14 We disclaim, to the maximum extent permitted by law, any responsibility or liability in relation to the Member Content. Member Content reflects the views and opinions of individual Members only and does not represent our views, advice or recommendations. Member Content is provided for general discussion and informational purposes only and must not be relied upon as professional advice or guidance.

16. Limitation of liability

16.1 To the maximum extent permitted by law, our total liability arising out of or in connection with the Membership, Services, Materials or these Terms, however arising (including in contract, tort (including negligence), equity, under statute or otherwise), is limited to 3 times the Membership Fees paid by you to us in the 12 months immediately preceding the event giving rise to the claim.

16.2 To the maximum extent permitted by law, we are not liable for:

a) loss or corruption of data;

b) loss of profit, income, revenue, goodwill, business opportunity, anticipated savings, investment opportunity or anticipated financial benefits;

c) any investment loss, property loss, financial loss or borrowing outcome arising from decisions made by you in connection with the Membership, Services or Materials; or

d) indirect or consequential loss.

16.3 Our liability under or arising out of these Terms will be reduced proportionately to the extent that any act or omission by you, including any failure to obtain appropriate professional advice or independently verify information provided through the Membership, contributed to the relevant loss, damage or claim.

16.4 You acknowledge that property investment, financial decisions and business activities involve inherent risks and that participation in the Membership and implementation of any information or strategies provided through the Membership is undertaken voluntarily and at your own risk.

16.5 Nothing in these Terms will limit a person’s liability for:

a) death or personal injury caused by that person’s negligence;

b) that person’s fraud; or

c) anything else that cannot be limited by law.

17. Cancellation and Pause by Member

17.1 You may cancel your Membership at any time by:

a) using the cancellation function within your account; or

b) emailing us at [email protected].

17.2 Cancellation of your Membership is subject to clause 13 (Refund Policy) and any applicable minimum Subscription Period associated with your Membership option.

17.3 Unless otherwise stated on the Website, cancellation will take effect at the end of the current billing period, you will retain access to the Membership until the end of that billing period and no further Membership Fees will be charged after cancellation takes effect.

17.4 Cancellation does not entitle you to a refund for any unused portion of a billing period except as required by law, including under the Australian Consumer Law.

17.5 If you cancel your Membership, you remain responsible for any outstanding Membership Fees accrued up to the effective date of cancellation.

17.6 We may, acting reasonably and at our discretion, permit you to temporarily pause your Membership subject to any conditions notified by us. Any applicable pause terms or conditions will be communicated to you upon approval.

17.7 If approved;

a) your access to the Membership may be suspended during the pause period; and

b) Membership Fees may be suspended, or your subscription period may be extended for the approved pause period, as determined by us acting reasonably.

17.8 We are not obliged to approve any pause request and may impose reasonable conditions on any approved pause in writing.

18. Termination

18.1 The Terms will continue to apply until terminated by either you or by us as set out below.

18.2 You may terminate at any time, upon written notice, provided that:

a) we have breached a provision of these Terms, and

b) we have failed to rectify the breach after you have given us 21 days’ notice to remedy.

18.3 We may at any time, terminate the Terms with you if:

a) you have breached any provision of the Terms or intend to breach any provision;

b) we are required to do so by law;

c) if your conduct is unlawful, abusive, inappropriate, unsafe or reasonably likely to harm other Members, our business, reputation, Website or Services;

d) we may reasonably determine that continuing to provide the Membership or Services is no longer commercially viable.

18.4 Upon termination of your Membership for any reason:

a) your access to the Membership (including Website and any private community group) will be disabled and you may be removed from any associated third party groups or platform used for delivery of the Services;

b) you must immediately cease using the Services, Materials and Content, except for any Materials or recordings expressly stated to remain accessible following termination;

c) any Licence granted under clause 8 will automatically end;

d) any outstanding Membership Fees or other amounts owed to us become immediately due and payable; and

e) any Membership Fees paid in advance are non-refundable, except as required by law (including the Australian Consumer Law).

19. Confidentiality

19.1 Each party agrees to use each other’s confidential information only in relation to the Membership and these Terms, and not to disclose such information to third party without prior written consent, except where disclosure is:

a) required by law or regulation;

b) reasonably necessary to respond to a serious threat to any person or property, safety or security; or

c) reasonably necessary to investigate or address a complaint or suspected breach of these Terms.

19.2 However, we may give confidential information to relevant subcontractors or service providers as long as they are bound by confidentiality obligations, and to your advisers who are involved in the relevant matter. The obligations to keep the information received in connection with the Terms confidential shall remain in legal effect for three years after receipt of such information.

19.3 The above will not apply to information which:

a) is publicly available, or

b) has been received from someone else who owes no duty of confidence in relation to it, or

c) was already known by the receiving party.

20. We may make changes to these Terms

20.1 We may amend these Terms from time to time. Every time you wish to use the Website, or the Membership, you should review these Terms to ensure you understand the Terms that apply at that time. By continuing to access or use the Website or the Membership after the amendments take effect, you agree to be bound by the Terms as amended.

20.2 These Terms were most recently updated on 29 May 2026.

21. We may make changes to our Website

21.1 We may update and change our Website from time to time to reflect changes to our Membership, services, products, our users' needs, changes in law and our business priorities.

22. We may suspend or withdraw our Website

22.1 We do not guarantee that the Membership, our Website, or any content on it, will always be available, uninterrupted or be error-free. We may suspend or withdraw or restrict the availability of all or any part of our Website or Services for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

22.2 This Website is provided on an "as is" and "as available" basis, and we make no representations or warranties, express or implied, regarding the operation or availability of the Website or Membership.

23. We are not responsible for viruses

23.1 We do not guarantee that our Website will be secure or free from bugs or viruses or any other type of malicious code or software.

23.2 You are responsible for configuring your technology to access our Website. You should use your own antivirus software.

24. We are not responsible for Websites we link to

24.1 Where our Website contains links to other Websites (including banner advertisements and sponsored links) and resources provided by third parties, these links are provided for your information only and you access third party Websites subject to the terms and conditions for those Websites.

25. General

Disputes: In the event of any disputes, the parties agree to mediate before proceeding to litigation.

Force majeure: No party will be liable to another if it fails to meet its obligations due to matters beyond its reasonable control, including but not limited to an act of God, strike or pandemic.

Severability: Any provision of these Terms which is void, illegal or otherwise unenforceable will be severed to the extent permitted by law without affecting any other provision of the Terms.

Relationship: These Terms do not confer an agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between us and you or any other party unless expressly stated otherwise.

Entire agreement: These Terms forms the entire agreement between the parties in relation to the Services. It replaces any earlier agreements, representations or discussions.

Jurisdiction: These Terms are governed by the laws of New South Wales. You irrevocably and unconditionally submit to the exclusive jurisdiction of the New South Wales courts. Although the Course may be accessed throughout Australia and overseas, we make no representations or warranties that its content, or the Products, comply with the laws (including intellectual property laws) of any country outside Australia. If you access the Website from outside Australia, you do so at your own risk and are responsible for ensuring compliance with all laws in the place where you are located. This clause survives termination of these Terms.