TERMS & CONDITIONS

These are the terms and conditions for use of this site and access to the information contained on this site.

Acceptance of Terms

The following are terms of a legal agreement between you and Your Financial Wellness Pty Ltd ("Your Financial Wellness"). By accessing, browsing and/or using any product and service ("Service" or "Services") provided by Your Financial Wellness (including this website located at myonlineguides.com.au), you acknowledge that you have read, understood, and agree, to be bound by these terms and to comply with all applicable laws and regulations, including the Privacy Statement, notices, disclaimers and any other terms and conditions or other statements contained on this website (referred to collectively as "Terms and Conditions"). You also warrant that you are at least 18 years of age and have any and all permissions necessary to enter into and be bound by this agreement.

Description of Products and Services

We provide an array of products and services for online collaboration and management including consulting, software development, system integration, software tools, websites, applications and source code. You may use the Services for your personal and business use. Your Financial Wellness software and source code may be downloaded, distributed and used according to the software license agreement published online. You may connect to the Services using any Internet browser supported by the Services. You are responsible for obtaining access to the Internet and the equipment necessary to use the Services. You should assess whether the Services are appropriate to your particular objectives, situation and needs before making a decision on the basis of the information on this website. You can either make this assessment yourself or seek the assistance of any adviser.

Fees and Payments

Subscriptions to paid Services are available on monthly and yearly subscription plans. Your subscription will be automatically renewed at the end of each subscription period unless you inform us that you do not wish to renew the subscription. The subscription fee will be charged to the Credit Card last used by you. If you would like the payment for the renewal to be made through a different Credit Card or if you do not wish to renew the subscription, you agree to inform us at least seven days prior to the renewal date. In the event of termination of the subscription (yearly subscription plans only), you will be refunded the subscription fee for the unused portion of the subscription period.

Returns and Refunds Policy

We issue refunds for digital products within 30 days of the original purchase of the product. If a digital product does not perform as described, you may return it for a refund at any time. If a digital product becomes corrupted or requires replacement during the normal course of use, you can re-download it from your Your Financial Wellness account. Refunds will not be granted in situations of purchase abuse. We recommend contacting us for assistance if you experience any issues receiving or downloading our products. If you have any questions about our Returns and Refunds Policy, please contact us by email: info@yourfinancialwellness.com.au

Delivery and Dispatch

All digital products are delivered via a download. If a digital product becomes corrupted or requires replacement during the normal course of use, you can re-download it from you’re Your Financial Wellness account.

Restrictions on Use

In addition to all other terms and conditions of this Agreement, you shall not: (1) transfer or otherwise make available to any third party the Services; (2) provide any service based on the Services without prior written permission; (3) use the third party links to sites without agreeing to their website terms & conditions; (4) post links to third party sites or use their logo, company name, etc. without their prior written permission; or (5) use the Services for spamming and other illegal purposes. We may suspend your user account or temporarily disable access to whole or part of any Service in the event of any suspected illegal activity, extended periods of inactivity or requests by law enforcement or other government agencies.

Service Support

Requests for unscheduled support relating to faults will be classified by the user as Critical, Important or Non-Critical. Your Financial Wellness will respond to support requests within one business day timeframe. Please note this means an acknowledgement of the issue being registered, it does not necessarily mean issues will be resolved or fixed within this timeframe. Upon acknowledgement of a support issue, Your Financial Wellness will advise the user of the likely resolution timeframe for the issue although no guarantees around issue resolution will be provided.

User Accounts Policy

We reserve the right to cease on-going work and/or terminate Services should a payment become overdue until the overdue amount is paid in full. In the event of such termination, all data associated with such user account may be removed. We will provide you prior notice of such termination by email. The data removal policy may be implemented with respect to any or all of the Services.

Disclaimer, limitations and Indemnification

YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN AS-IS-AND-AS-AVAILABLE BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOUR FINANCIAL WELLNESS WILL NOT BE LIABLE IN ANY WAY FOR ANY LOSS OR DAMAGE SUFFERED AS A RESULT OF USING, MODIFYING, CONTRIBUTING, COPYING, DISTRIBUTING, OR DOWNLOADING ANY MATERIALS (INCLUDING SERVICE AND/OR SOFTWARE) PROVIDED BY YOUR FINANCIAL WELLNESS. IN NO EVENT SHALL YOUR FINANCIAL WELLNESS BE LIABLE FOR ANY INDIRECT, EXTRAORDINARY, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF DATA, REVENUE, PROFITS, USE OR OTHER ECONOMIC ADVANTAGE) HOWEVER ARISING, WHETHER FOR BREACH OR IN TORT, EVEN IF YOUR FINANCIAL WELLNESS HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. YOU AGREE THAT YOU HAVE SOLE RESPONSIBILITY FOR ADEQUATE PROTECTION AND BACKUP OF DATA AND/OR EQUIPMENT USED IN CONNECTION WITH YOUR FINANCIAL WELLNESS AND WILL NOT MAKE A CLAIM OF ANY NATURE AGAINST YOUR FINANCIAL WELLNESS FOR LOST DATA, INACCURATE OUTPUT, WORK DELAYS OR LOST PROFITS RESULTING FROM THE USE OF THE MATERIALS. YOU AGREE TO HOLD Your Financial Wellness ENTIRELY HARMLESS FROM, AND YOU COVENANT NOT TO SUE YOUR FINANCIAL WELLNESS, OR ITS AFFILIATES, SUCCESSORS OR ASSIGNS, FOR, ANY CLAIMS RELATED TO YOUR FINANCIAL WELLNESS. YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE WITH YOUR FINANCIAL WELLNESS RELATED TO ANY OF THE SERVICES SHALL BE TERMINATION OF SUCH SERVICE. IN NO EVENT SHALL YOUR FINANCIAL WELLNESS’ ENTIRE LIABILITY TO YOU IN RESPECT OF ANY SERVICE, WHETHER DIRECT OR INDIRECT, EXCEED THE FEES PAID BY YOU TOWARDS SUCH SERVICE.

Third Party Software, Content and Postings

Third Party Software, Content and Postings available on this site is, in each case, the copyrighted work of the respective developer, and may be subject to license agreements, terms of use and/or privacy policies of such developer. Your Financial Wellness does not control and/or does not guarantee the quality, accuracy, legality or safety of Third Party transactions, which shall be governed by terms of sale executed by and between the developer and the acquirer. YOUR FINANCIAL WELLNESS DISCLAIMS ALL WARRANTIES WITH REGARD TO THIRD PARTY SOFTWARE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

General conditions

These Terms and Conditions are governed by the law in force in the State of New South Wales in Australia, and the parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and courts of appeal from them for determining any dispute concerning the Terms and Conditions.

These Terms and Condition can be modified at any time by Your Financial Wellness and you agree to continue to be bound by these Terms and Conditions as modified. We will give you notice of these changes by publishing revised Terms and Conditions on this website - we will not separately notify you of these changes.

If the whole or any part of a provision of these Terms and Conditions are void, unenforceable or illegal in a jurisdiction it is severed for that jurisdiction. The remainder of the Terms and Conditions have full force and effect and the validity or enforceability of that provision in any other jurisdiction is not affected. This clause has no effect if the severance alters the basic nature of the Terms and Conditions or is contrary to public policy.

Copyright

Unless otherwise expressly stated to the contrary, no information on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of Your Financial Wellness.

Trademark

Your Financial Wellness, Your Financial Wellness logo, the names of individual Services and their logos are trademarks of Your Financial Wellness. You agree not to display or use, in any manner, the Your Financial Wellness trademarks, without Your Financial Wellness’ prior permission.

Australia only

Some of the Services described in this website are only available in Australia.

Third party

This website may contain references to other special offers or promotions by entities (including persons and organisations) who are not part of Your Financial Wellness. Subject to any applicable law which cannot be excluded, Your Financial Wellness makes no warranties or representations regarding the quality, accuracy, merchantability or fitness for purpose of the goods or services available from these entities.