Legal Blurbs

Terms and Conditions Of Use

Website Usage

These terms and conditions apply to the use of this website, including the e-learning programs accessed via this website. In using this website, you agree to be bound by these terms and conditions. If you do not accept these terms and conditions, you must refrain from using the website. These terms and conditions must be read in conjunction with any other applicable terms and conditions governing the use of this website.

About this Website and the e-Learning Programs

This website provides general information in relation to personal money management, finance and investing as well as offering online services including the e-Learning programs. This information is provided for the customers of Your Life Your Money (‘YLYM’). The e-Learning program ‘Your Life Your Money’ is an online personal money management course offered by All Money Matters Pty Ltd (‘AMM’) and its joint venture partner, Flexibility at Work. All other e-Learning programs are offered by AMM alone.

AMM reserves the right to amend these terms and conditions from time to time. Amendments will be effective immediately upon notification on this website. Your continued use of the website following such notification will represent an agreement by you to be bound by the terms and conditions as amended.

Changes are periodically made to the information provided on this website and/or in the e-Learning programs without advance notice. AMM and/or Flexibility at Work may also make changes in the products, services and software described in the e-Learning programs or on this website at any time without advance notice.

Website Users’ Obligations

As a user of this website, whether as a purchaser of an E-learning program or otherwise, you agree that when using this website, you will not do or attempt to do any of the following:

  • Gain unauthorised access to any part of the website or any other system, network or server connected to the website, or any content, information, material or documentation contained thereon, including by hacking or any other means;
  • Use the website to obtain, trace or exploit the information, including personal information, of any user or member of the website;
  • Breach or circumvent any security or authentication measures on the website or any other system, network or server connected to the website;
  • Use any software, process or other means to interfere with the working of the website in any way;
  • Use the website for any purpose which is illegal or breaches these terms and conditions.

The e-Learning Programs

Users of this website can purchase access to the e-Learning programs via this website.

Length of Subscription

As a purchaser of the e-Learning program(s), ‘Your Life Your Money’ and ‘Your Life Your Investing’ you will be given access to the e-Learning program(s) via an access link. The access link will be issued upon receipt by AMM of payment of the purchase price and will be valid for three hundred and sixty-five (365) says from the date of issue. Purchasers are not able to delay or suspend the period of access.

If you wish to continue using the e-Learning program following expiry of the access link, you will be required to pay a new fee for access to the program and you will then be issued with a new access link.

Personal Subscription Only

Your link to the e-Learning program(s) is for a single user only with a maximum of two (2) IP addresses. It is non-transferable and not eligible for resale. Customers cannot provide their access link to a third party. You agree that you will not disclose or make available your access link or sell or transfer your access to any other person. Breach of this condition will entitle AMM to immediately terminate your access without refund.

No refunds will be given to Customers who purchase and fail to attend or complete the online program within three hundred and sixty-five (365) days of the purchase date(s).

Refund Policy

If you are not completely satisfied with your e-Learning program, please contact AMM on refunds@allmoneymatters.com.au and AMM will refund 100% of the purchase price subject to the conditions below.

To be eligible for a refund you must email us the following details:

  • Your name and email address
  • The name, date and method of purchase of the e-Course you are requesting the refund for
  • The reason for requesting the refund

Refunds can only be made prior to the expiry of your access, that is within three hundred and sixty-five (365) days of your purchase. No refunds will be given to purchasers who purchase and fail to attend or complete the e-Learning program(s) within three hundred and sixty-five (365) days of the purchase date.

Disclaimers

Exclusion of liability

AMM, Flexibility at Work and their respective directors, employees, affiliates and other representatives do not accept responsibility for any loss or damage, however, caused (including through negligence), which you may directly or indirectly suffer in connection with your use of, or inability to use, this website, any linked website or the e-Learning programs(s), nor does it accept any responsibility for any such loss arising out of your use of, reliance on, information contained on or accessed through this website, any linked website or the e-Learning programs. This includes but is not limited to indirect or consequential loss of damages, loss of data, income, profit or opportunity, loss of or damage to property and claims of third parties, even if AMM and/or Flexibility at Work have been advised of the possibility of such loss or damages or such loss or damages were reasonably foreseeable.

This disclaimer set out in these terms and conditions does not attempt or purport to exclude liability arising under statute if, and to the extent, such liability cannot be lawfully excluded. Where legislation implies any condition or warranty, and that legislation prohibits us from excluding or modifying the application of, or our liability under, any such condition or warranty, that condition or warranty will be deemed to be included in these terms and conditions. Where the breach relates to the provision of services under these terms and conditions, our liability will be limited, at our election, to either the supplying of the services again or the payment of the cost of having the services supplied again. In no event shall AMM or Flexibility at Work be liable to you for damages, losses, and claims (whether in contract, tort including, but not limited to negligence, or otherwise) that exceed the amount paid by you for any product or service including any money paid, if any , for accessing this website or the e-Learning program(s).

Release and Indemnity

You release and indemnify AMM and Flexibility at Work against all actions, claims and demands (including the cost of defending or settling any action, claim or demand) which may be instituted against AMM and/or Flexibility at Work arising out of a failure by us to comply with these terms and conditions. You also release and indemnify AMM and Flexibility at Work against all actions, claims and demands (including the costs of defending or settling any action, claim or demand) which may be instituted against AMM and/or Flexibility at Work arising out of any act or omission on your part, including but not limited to a failure by you to comply wiht your obligations under these terms and conditions.

Specific Warnings

General Information Only

The materials and exercises are not a substitute for obtaining professional advice from a qualified financial planner, investment adviser, firm or corporation. You acknowledge and agree that it is your responsibility to consult the appropriate professional advisor for more complete, current and personalised information prior to making an investment and/or financial decision. You acknowledge and agree that AMM and/or Flexibility at Work is not engaged in rendering any professional investment advisory services by placing these general informational materials on this website and in the e-Learning programs.

In presenting this material on this website and in the e-Learning programs, AMM and Flexibility at Work have not taken into consideration any individual’s investment objectives, financial situation or particular needs. Material is general in nature and is not intended in any way to be financial or investment advice for those using this website or participating in the e-Learning programs.

Testimonials

Testimonials included on this website represent the outcomes that have been provided to AMM and/or Flexibility at Work by individual clients and may not be typical of what every individual will achieve. All testimonials are provided voluntarily, without payment, inducement or other benefit and are from genuine clients of AMM and/or Flexibility at Work.

Interests

AMM and Flexibility at Work, its officers or employees may at any time have a financial or other interest in any of the financial instruments discussed on this website or in the e-Learning programs.

Accuracy of Information

AMM and Flexibility at Work make no representations or warranties about the accuracy or completeness of the information contained on this website or in the e-Learning programs.

While the e-Learning programs are based on information and from sources which AMM and Flexibility at Work consider reliable, AMM, Flexibility at Work, their directors, employees, partners and consultants do not represent, warrant or guarantee, either expressly or impliedly, that the information contained on this website or in the e-Learning programs is complete or accurate. Additionally, no responsibility is accepted to inform you of any matter that subsequently comes to their notice, which may affect any of the information contained on this website or in the e-Learning programs.

Linked Websites

Any links provided to other server sites are offered as a matter of convenience and may not remain current or be maintained. AMM and Flexibility at Work are not responsible for the content or privacy practices with linked websites. This website’s link with linked websites in no way implies and should not be construed as an endorsement, approval, recommendation or sponsorship of the owners or operators of or participants in those sites, or of any information, graphics, materials, products or services referred to or contained on those sites, unless expressly stated.

Intellectual Property

Copyright

This is the official https://yourlifeyourmoney.com.au/wp website. AMM and/or Flexibility at Work are the copyright owners of all text, graphics, logos, trademarks and activities contained on this website and/or in the e-Learning programs, except as otherwise indicated. Other parties’ trademarks and service marks that may be referred to herein are the property of their respective owners.

You may print a copy of the information contained on this website and the e-Learning programs for your personal use only, but you must not reproduce or distribute the text or activities to others or substantially copy the information on your own sever without prior written permission of AMM and/or Flexibility at Work.

You may use and reproduce documents, activities and related graphics available from the e-Learning programs, provided that:

  • the copyright notice appears in all copies and that both the copyright and this permission notice appear;
  • use and reproduction of documents, information and related graphics available from the e-Learning and other programs is limited to personal, non-commercial use;
  • no documents or related graphics, including logos and trade marks, available from the e-Learning and other programs or website are modified in any way; and
  • no graphics, including logos and trade marks, available from the e-Learning or other programs or this website are used separate from accompanying text.

Subject to the provisions of the Copyright Act 1968 (Cth), use or reproduction for any other purpose than as authorised by these terms and conditions is expressly prohibited.

Trade Marks

Except where otherwise specified, any word or device to which is attached the ™ or ® symbol is a registered trade mark.

If you use any of our trade marks in reference to AMM’s or Flexibility at Work’s activities, products or services, you must include a statement attributing that trade mark to AMM or Flexibility at Work. You must not use any of AMM’s or Flexibility at Work’s trade marks:

  • in or as the whole or part of your own trade marks;
  • in connection with activities, products or services which are not ours;
  • in a manner which may be confusing, misleading or deceptive;
  • in a manner that disparages us or our information , products or services (including this website).

Content

AMM and/or Flexibility at Work cannot be held responsible for outdated, offensive or in any other way incorrect content or broken links on any third party sites linked to or from the https://yourlifeyourmoney.com.au/wp site. AMM and Flexibility at Work are not responsible for any damage that may occur to your software or hardware (such as your computer) from downloading assets from this site. All software provided by third parties is the responsibility of the third party and any complaints regarding the product or service in question should not be directed to AMM or Flexibility at Work.

Members and/or users generally may submit content to AMM for inclusion on this website. Members acknowledge that submission of content gives AMM the right to use the content for marketing purposes in whole or part. AMM reserves the right not to accept any material submitted for publication on this website.

Software

You may not distribute, sell, or transmit the software and you are not permitted to alter, modify or adapt the software, including but not limited to translating, decompiling, reverse engineering, disassembling, or creating derivative works of it, unless it is expressly permitted to do so, in writing.

Connections

No responsibility can be accepted for viewers, users and members unable to access the site or parts thereof due to technical fault, Internet connection problems or other unforeseen circumstances.

Conduct

By using this site, you agree to use it only for lawful purposes, and in a manner that does not infringe the rights of any third party nor inhibits the use and enjoyment of this site by any third party. You agree to abide by all applicable laws, regulations and code of conduct and to be solely responsible for all things arising from your use of the https://yourlifeyourmoney.com.au/wp website. You agree to provide true, accurate, complete and current information and notify us immediately of any change. You agree not to publish, post, disseminate, distribute or otherwise transmit any defamatory, offensive, infringing, obscene, indecent or otherwise unlawful or objectionable material or information.

These terms of use shall be governed by and construed in accordance with Australian law and shall be subject to the exclusive jurisdiction of the Australian courts.

In the event that AMM and/or Flexibility at Work consider or determine, in their sole discretion, that you have breached, violated or contravened these terms and conditions of use or have otherwise demonstrated
inappropriate conduct in the use of the https://yourlifeyourmoney.com.au/wp website, AMM and/or Flexibility at Work reserve the absolute right to:

  • warn you via email that you have violated these terms of use and ask you to immediately discontinue such conduct;
  • delete any material or content which you post to articles or any other areas of the site;
  • discontinue your membership of the website and/or any other related subscriptions and/or access links to additional services; and
  • take measures (including terminating, suspending or restricting your use of the website) to prevent you from using the https://yourlifeyourmoney.com.au/wp website or linking to the site.

Revisions

AMM reserves the right to change these terms and conditions of use at any time. You will be bound by any such revisions and should therefore periodically visit this page to review the then current terms of use to which you will be bound.

Privacy Policy

AMM and Flexibility at Work are committed to safeguarding your privacy online. We will not sell, rent or otherwise give your information to any other party.

Gathering of Information – Voluntary Submission

AMM and/or Flexibility at Work do not collect personally identifying information about any individual user of this website or the e-Learning programs except when knowingly provided by such individual. For example, we may ask you for information when you register to receive a newsletter or to use our services and/or e-Learning or other programs. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still visit some parts of this website, but you may be unable to access certain options and services offered now or in the future.

Use of Information

Our primary goal in collecting user information is to enhance and improve your experience on this website, including by providing interactive communications such as our electronic newsletters to the e-mail address that you provide to us, and developing future editorial content based on your interests.

To develop content targeted to your interests, we use aggregated user information to determine which areas of our web site users prefer based upon traffic to those areas. We do not track what individual users read, but instead track how well each page or content area performs overall.

We will not sell or otherwise provide your personal information to a third party, or make any other use of your personal information, for any purpose which is not incidental to your use of the website. For the removal of doubt, personal information will not be used for any purpose which a reasonable person in your position would not expect.

AMM and/or Flexibility at Work will only disclose information about our users when we believe, in good faith, that the disclosure is required by law.

Please be aware that sponsors, advertisers or websites that have links on our website may collect personally identifiable information about you. The information practices of those parties and websites linked to this site are not covered by this privacy statement. Users should also be aware that, when you voluntarily disclose personal information in chat areas, bulletin boards, forums or any other type of outside disclosure, that information may be collected by others and may result in unsolicited messages from others.

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