Please take the time to read these terms and conditions. By using Our Website and the Services and information offered on Our Website, you are agreeing to these terms and conditions.
Welcome to our website. This website (located at www.minimisewithme.com) is owned and operated by Minimise With Me Pty Ltd trading as Minimise With Me (ABN 21 652 643 617)) (“Minimise With Me”, “we”, “us”).
We are a Financial Coaching / Money Coaching website focused on helping people to spend their money with more intention with budgeting techniques, building a positive money mindset, helping them to make progress with their debt pay off goals, save money, and build new money habits to help them achieve their goals through providing our members with programs, courses, information, ability to sign up to our products and/or services as well as join our mailing list and purchase our products and/or services.
We are not a licensed Financial Advisor and do not offer Financial Services, Investment Advice, Taxation Advice or sell any Financial Products.
CONSENT TO SITE TERMS
By accessing and using this website, our social media channels and any other materials made available to you or provided to you on this website, whether made available for purchase or not, you are taken to accept our Terms and conditions of use and disclaimer which, together with our Privacy Policy, govern our relationship with you in connection with this website. Should you not agree with any of these terms and conditions, please do not use our website.
Please note that further terms and conditions govern the purchase of any goods and services described on our website.
USE OF OUR WEBSITE
The content of this website is for your general information and personal use only.
The content of this website is subject to change without prior notice.
You can only ever use our website for lawful purposes (such as researching our goods and services or contacting us) in a manner consistent with the nature and purpose of the website, and in a way that doesn’t impact on anyone else’s use and enjoyment of the website.
PROHIBITED USE
We have a zero-tolerance policy for users who conduct themselves unlawfully or encourage such conduct, who post any defamatory, obscene, offensive or scandalous material, harass or cause distress or inconvenience to any person, or disrupt the website. We reserve the right to ban any users who engage in such behaviour.
You’re not permitted to change, add to, remove, deface, hack or otherwise interfere with our website or any material or content displayed on the website, or attempt to do any of those things.
Unauthorised use of this website may be a criminal offence and/or give rise to a claim for damages.
GENERAL FINANCIAL ADVICE DISCLAIMER AND INDEMNITY
The information provided through our website, programs, course and/or services is intended to be for educational purposes only. Under no circumstances should the content made available on our website, courses, programs, products and or/services be relied upon as business, financial or legal advice.
The content on our website is for general informational purposes only and is not intended to be taken as personal, investment or financial advice. It does not take into account your individual objectives, financial situations, or needs. It should not be relied upon as a substitute for specific or professional personal advice.
No financial advice (I.e. investment advice, estate or retirement planning etc) or financial products (I.e. loan, investment or insurance products) are provided or sold on this website when you purchase a product or service offered within this website.
It is important, before deciding whether to engage in our services, that you consider the appropriateness of the information in regard to your personal situation.
We recommend that you consult a licensed or authorised financial adviser if you require financial advice that takes into account your personal circumstances. You can check whether a person is a licensed or authorised financial adviser by visiting the Australian Securities and Investments Commission at www.moneysmart.gov.au.
Neither we or any third parties provide any guarantees, warranties, representations or conditions as to the performance, accuracy, timeliness, completeness or suitability of the information and materials found or offered on this website for any purpose which are not expressly stated in these terms. You hereby acknowledge that such information and materials may contain mistakes, inaccuracies or errors and we expressly exclude any liability for such to the fullest extent permissible by law.
We make the website available to you, however you use it at entirely your own risk, for which we will not be liable. Everything on the website is provided “as is” and “as available” – we don’t make any representations or warranties of any kind – and we exclude all liability for loss or damage you might suffer because of:
- failures, errors, mistakes, inaccuracies, interruptions, defects, delays, viruses, lost, stolen, altered or misused data, unlawful third party conduct arising out of the website;
- unsuitable or out of date information on the website (including third party material and advertisements on the website);
- you or any other person acting or not acting, on any information;
- any unauthorised access to or use of information or data, including personal and financial information, collected by us;
- any malware (bugs, viruses, trojan horses, ransomware or other harmful code or communications) which may be transmitted to or through the website, including links to other sites;
- links which are provided for your convenience.
It is your own responsibility to ensure that any services or information available through this website meet your specific requirements.
You indemnify us from and against all claims, suits, demands, actions, liabilities, costs and expenses (including legal costs and expenses on a full indemnity basis) resulting from your use of the website.
GUARANTEES
Our role is to support and guide you in reaching your goals, but we cannot guarantee that undertaking coaching, programs, courses, or using our products or services will amount to any specific level of success. All outcomes are dependent on your own effort, goals, determination, follow-through and motivation. We do not guarantee any particular result, financial or otherwise.
You acknowledge and agree that when you purchase a program, product or service, that results may vary and are entirely dependent on your own dedication, motivation as well as other factors.
Any testimonials shared on our website or social media are not to be taken as guarantees of results of using our products or or engaging our services and are only provided as examples of what can be possible.
PERSONAL RESPONSIBILITY
You acknowledge that you are solely and personally responsible for any results you do or don’t achieve. You acknowledge that only you are responsible for your actions and the results. You agree to take your own due diligence and do your own research before applying anything you have learned from the use of this website, or purchase of programs, products or services.
PRICES AND PAYMENTS
All prices for services or products are in Australian Dollars (AUD) and are inclusive of any Australian Goods and Services Tax (GST) (as applicable). The prices indicated on the website are subject to change at any time without advance notice to you. Any programs purchased are charged at the price agreed at time the program agreement was entered into.
PRIVACY
We take your privacy seriously. All information we collect through your use of the website and how we use and disclose it is set out in our Privacy Policy, which is available on our website or can be found at https://minimisewithme.com/privacy-policy/
INTELLECTUAL PROPERTY
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the content, design, layout, appearance, look, graphics, text, logos, button icons, video images, audio clips, code, scripts, design elements and interactive features of the website, and is protected by copyright under the laws of Australia and through international treaties.
Unless we say otherwise, all rights (including copyright) in the website are owned or controlled by us and are reserved by us.
Any reproduction of the website or website content is prohibited other than in accordance with these terms.
All designs, trade marks, service marks and trade names are owned, registered and/or licensed by us, save for any trademarks reproduced on this website which are not the property of or licensed to us, which are acknowledged on the website.
SECURITY
Our website is security assured by BlueHost. While we take commercially reasonable measures to maintain a secure website that is free of any malware, bugs, viruses, trojan horses, ransomware or other harmful code or communications which may be transmitted to or through the website, including links to other sites, we cannot guarantee or warrant that such events will not take place and we will not be liable to you for any such occurrences.
LINKS TO OUR WEBSITE
If you would like to link to our website, please get in touch with us with your URL, a brief description of your website and why you want to establish a link. Please note that if we allow you to link to our website, we may impose certain terms or conditions.
If the nature or content of your website changes in any significant way after the authorised link is established, you must let us know and provide us with a new description of your website. If the change means that your website is no longer a good fit with ours, we may ask you to remove the link. Refusal will constitute a breach of these terms.
LINKS FROM OUR WEBSITE TO OTHER WEBSITES
We may also, on occasion, include links to other websites which are not controlled by us. These links are provided for your convenience to provide you with further information. You acknowledge that they are used at your own risk.
Please note that we include these links for your convenience, however we don’t necessarily endorse or support the views, opinions, standards or information expressed on them. We have no control over the nature, content and availability of those websites. For your own safety, please make sure you check the protocols and standards of the linked sites before using them.
Our website may contain information or advertisements provided by third parties for which we accept no responsibility whatsoever for any information or advice provided to you directly by third parties.
OUR USE OF COOKIES
We use cookies to monitor browsing preferences and to help us improve, promote, and protect our website and services. By continuing to use the website, you agree to our cookie policy. You can find out more information about our cookie policy in our Privacy Policy, which is available on our website.
SUBMISSIONS
We maintain a blog on our website. As a website user, we may give you the opportunity to comment on our blog posts. Please note that we regularly screen and review blog comments. We reserve the right to remove comments that we consider may not align with our brand values.
CHANGES TO TERMS
If we decide to change these terms (and we can do so at any time), we’ll post a copy of our revised terms on our website. Changes to the terms will take effect immediately on being published on the website. Your continued use of the website indicates your acceptance of the revised terms.
SEVERANCE
If any part of these terms is found to be void or unenforceable by a Court of competent jurisdiction, that part will be severed and the rest of the terms will remain in force.
TERMINATION
The agreement between us constituted by your use of the website may be terminated at any time by us without notice, in which case all disclaimers and limitations of liability will survive termination, however, you will no longer be authorised to access the website.
JURISDICTION
As we are based in New South Wales, these terms will be governed by the laws of New South Wales. In the event of any dispute, we ask that you first contact us, and we’ll do our best to resolve the dispute to our mutual satisfaction quickly, cheaply and efficiently. If we do end up in court, you agree that the exclusive venue for resolving any dispute will be in the courts of New South Wales and courts of appeal from them.
This policy was last reviewed on 10th July 2023