TERMS & CONDITIONS

1. APPLICATION OF THESE TERMS

(a) Welcome to The Advice Business. These terms and conditions (Terms) apply when you:

(i) use this website and any other website that we own (including websites with the same domain name and different extensions) (Website);

(ii) engage with any of the materials, resources, software, tools or content that you can access through the Website or that we otherwise provide to you, including

free and paid materials (Materials);

(iii) undertake any courses, webinars, memberships, coaching programs or other programs that we offer (Programs);

(iv) access any of our groups, communities or communication channels (Groups);

(v) use any digital tools, software applications, AI-powered services, automated systems or related technology that we make available (Tools); or

(vi) attend or participate in any conference, workshop, retreat, dinner, excursion, social activity or other event that we host or organise, whether in person or online (Events), collectively referred to in these Terms as our "Services".

(b) Participation in or access to certain Services (other than general access to the Website) may be subject to an application, interview, suitability assessment or other enrolment process. We reserve the right, in our absolute discretion, to accept or decline participation in, or provision of, any such Service.

(c) By using our Services, you agree to form the binding contractual agreement set out in these Terms as between you and us, The Advice Business Pty Ltd ACN 700 107 393 ABN 79 700 107 393 (The Advice Business, our, we or us).

(d) These Terms apply to the extent you access each type of our Services. Your participation in any particular Service may require you to agree to additional commercial and legal terms which will be provided to you prior to participation and will form part of these Terms and prevail over these Terms to the extent of any inconsistency. Such terms may include a document setting out the commercial terms of your particular engagement, including the parties, Program, inclusions, term, fees and payment terms (Particulars of Agreement).

(e) We may update these Terms from time to time to reflect changes to our Services, operations, legal requirements or business practices. The latest version will be available on our Website. Continued use of our Services following an update constitutes acceptance of the updated Terms.

(f) Capitalised terms not defined in these Terms have the meaning given to them in the Particulars of Agreement.

(g) You means the person or entity accessing or using the Services and, where a person does so on behalf of an entity, both. Where there is a Particulars of Agreement document, You means the individual and any entity named in it. Where You refers to more than one person or entity, they are bound jointly and severally.

2. OUR OBLIGATIONS

(a) We will provide the Services with due care and skill, and will deliver the inclusions set out in your Particulars of Agreement.

(b) Unless we state otherwise, Services other than Events are delivered online.

(c) We may deliver the Services through our personnel, coaches or contractors, and may change who delivers a particular session or Service. Unless your Particulars of Agreement names a specific person, no individual is guaranteed to deliver any part of the Services.

(d) Our Services are non-exclusive. We may provide Services to other participants, including participants who operate in the same market or geographic area as you.

3. YOUR OBLIGATIONS

(a) (Right to Access) You must not use our Services if you:

(i) are under the age of 18 years old; or

(ii) have previously been suspended or prohibited from using our Services.

(b) (Compliance with Terms and laws) You must only use our Services in accordance with these Terms and any applicable laws, and you must ensure that your employees, sub-contractors and any other agents who use or access our Services comply with these Terms and any applicable laws.

(c) (Program Attendance and Participation) If you enrol in a Program that requires attendance at scheduled times (whether online or in-person), you are responsible for ensuring that you attend the Program on time and you are ready to participate to maximise the benefit of the Program for you. Sessions are scheduled by agreement. Where you do not attend a scheduled session without reasonable notice, we are not required to reschedule it.

(d) (Acceptable Behaviour) If you participate in a Program or attend an Event, you must always behave in a manner that is courteous and respectful of other participants. You must not sell any products or services to other participants unless invited to do so in writing by us. You must not engage in any behaviour that could be dangerous, offensive, disruptive or inappropriate for other participants. You must not spam, solicit money from, defraud, bully, stalk, intimidate, assault, harass, mistreat, impersonate or defame any person or participant. You must not upload, share, disclose or distribute information that you do not have the authority to disclose, including confidential, personal or proprietary information belonging to another person or organisation. We reserve the right to require you to leave a session or Event, remove access to a Service, and/or refuse future participation in our Services. If this occurs and you have paid for Services that you have not yet received, we will not provide a refund.

(e) (Named Participants) Our Services are provided to the Contracting Entity named in the Particulars of Agreement and to the individuals named in it (Named Participants). Where a Contracting Entity has multiple owners or directors, more than one individual may be named. Any change or addition to the Named Participants must be approved and confirmed in writing by us. Approval may be withheld at our absolute discretion, and additional fees may apply. Employees, contractors and other team members who are not Named Participants may not attend sessions or access the Services provided to you under the Particulars of Agreement without our prior written approval.

(f) (Confidentiality) Any information you receive from us that is confidential in nature and not publicly available must be kept confidential. You must not disclose

such information to third parties except where required by law, where we provide written permission, or where disclosure is to your employees, contractors or other internal team members solely for the purpose of implementing ideas, strategies or materials from a Program into your business. Login credentials provided to access any Program or platform are confidential and must not be shared with others.

(g) (Accuracy of Information) For us to provide the best service to you, any information you provide to us or to other participants when you use our Services must be accurate, correct and up to date to the best of your knowledge. If you participate in a Program that involves coaching sessions, we ask that the information provided by you is as complete as possible.

(h) (Assessments and Profiling) Some Programs may include or require completion of behavioural assessments or profiling tools, including DISC assessments, as part of onboarding or program delivery. Where more than one Named Participant completes an assessment, results and related reports may be shared and discussed between Named Participants for the purposes of program delivery. Assessment results and related reports are handled in accordance with our Privacy Policy.

(i) (Consent To Being Recorded) Programs, sessions, workshops, webinars and Events may be recorded. By participating, you acknowledge that recordings

may occur and may be used by us for educational, training, promotional, administrative and related business purposes. Further information regarding recordings and the handling of personal information is set out in our Privacy Policy.

(j) (General) You must not:

(i) subject to clause 9(d), copy, mirror, reproduce, translate, adapt, vary, modify, sell, decipher or decompile any part or aspect of the Services without our express consent;

(ii) use, or attempt to use, the Services in a manner that is illegal or fraudulent or facilitates illegal or fraudulent activity;

(iii) use, or attempt to use, the Services in a manner that may interfere with, disrupt or create undue burden on the Website or the servers or networks that host the Website;

(iv) use bots, crawlers, scrapers or similar automated tools to access the Website or the Services, or to download or collect material from them;

(v) use the Services or Website for any illegal and/or unauthorised use, which includes collecting email addresses of participants by electronic or other means for the purpose of sending unsolicited email or unauthorised framing of or linking to the Website;

(vi) make or publish any statement about us, our Services or our personnel that you know to be false or misleading, that is made maliciously, or that is defamatory;

(vii) attempt to breach the security of our Services, or otherwise interfere with the normal functions of the Services, including by gaining unauthorised access, scanning, probing, overloading or submitting a virus to the Website; or

(viii) use, extract, scrape, harvest, download, index, reproduce or systematically collect Content, materials, data, resources, prompts, outputs or other information from the Services for the purpose of building, training, fine-tuning, improving or operating any artificial intelligence system, database, competing product or service without our prior written consent.

(k) (Reporting Misuse or Errors) If you become aware of any misuse of the Services by any person, any errors in the Services or any difficulty in accessing or using the Services, please contact us immediately using the contact details on our Website.

4. PAYMENT

(a) Some of our Services attract a fee (Payment). All Payments must be paid in accordance with the payment terms advised for the relevant Service. We reserve the right to suspend your access to a Service if your payments are not up to date.

(b) Certain Services may require an application fee, deposit, ticket price or other upfront payment. The amount, purpose, treatment and refundability of any such payment will be communicated at the time it is requested.

(c) Unless otherwise stated, Payments are non-refundable except where required by law.

(d) All Payments are in Australian dollars. GST applies to supplies made to Australian entities. Where you are not an Australian entity, amounts are stated GST-free.

5. RECURRING PAYMENTS

(a) Some of our Services are subscription-based and involve a regular payment (Recurring Payment). Where there is a Recurring Payment, the amount and frequency will be specified in the Particulars of Agreement.

(b) For Recurring Payments, your payment details will be stored securely by our third-party payment provider and debited at the frequency indicated. You authorise us to debit your nominated payment method for each Payment when it falls due.

(c) You must ensure that your payment details remain current. If your payment method expires or becomes invalid, you must provide updated payment details.

(d) If a Payment fails or is not received when due, we may suspend your access to the Service until payment is received.

(e) Your subscription continues at the frequency indicated until it is cancelled in accordance with clause 14.

(f) We may revise the Payment from time to time. We will give you at least 30 days' written notice of any change to the Payment.

6. EVENTS

(a) We may offer Events separately from our Programs. Events require the purchase of a ticket unless we state otherwise. The ticket price, inclusions and any participation requirements will be advised at the time of booking.

(b) Unless we state otherwise, a ticket admits one person. Guests must purchase their own ticket. Tickets must be paid in full before the Event.

(c) Unless expressly stated otherwise, the ticket price covers attendance at the Event sessions and any catering provided during those sessions. Travel, accommodation, meals outside Event sessions, transport, travel insurance and all other expenses associated with attending are your responsibility.

(d) Tickets are non-refundable and non-transferable. You may defer your ticket to a future Event held within 12 months of the original Event date, subject to availability. Where the future Event has a higher ticket price, you are responsible for the difference. Where it has a lower ticket price, no refund or credit is payable for the difference.

(e) Circumstances may arise which require us to change Event dates, locations, schedules, speakers, formats or other details. Where reasonably necessary, we may postpone, reschedule, relocate or modify an Event, or provide a virtual or live-streamed alternative. Except as required by law, any costs you incur as a result of such changes, including travel and accommodation costs, remain your responsibility.

(f) If we cancel an Event and do not offer a reasonable alternative, we will refund your ticket price or provide a credit toward a future Event, at your election. Except as required by law, we are not responsible for any other costs you incur.

(g) You are responsible for determining whether you are fit and able to participate in an Event and any activity offered as part of it. You must tell us in advance of any dietary requirements, allergies or medical conditions relevant to your participation.

(h) Events may include optional social or physical activities, such as dinners, walks, excursions or similar activities. Participation is voluntary. You participate at

your own risk and are responsible for your own safety and belongings. We may require you to accept a separate waiver before participating in particular activities.

(i) Where alcohol is available at an Event, you are responsible for your own consumption and conduct, and for arranging your own transport. We or the venue may refuse or discontinue service of alcohol, and may require you to leave, where reasonably necessary.

(j) You must comply with the rules and reasonable directions of the venue at which an Event is held.

(k) You must not record, film or livestream any part of an Event without our prior written consent.

(l) We may take photographs, video and audio recordings at Events and use them for marketing, promotional, educational and administrative purposes. If you do not wish to appear, tell us in writing (which for this purpose includes in person at the Event) and we will take reasonable steps to accommodate that.

(m) Clause 3(d) applies at Events. We may require you to leave an Event without refund where your conduct warrants it.

7. INFORMATION PROVIDED THROUGH OUR SERVICES

(a) While we make every effort to ensure that the information provided through our Services is as up-to-date and accurate as possible, you acknowledge and agree that we do not (to the maximum extent permitted by law) guarantee that:

(i) the Services will be free from errors or defects;

(ii) the Services will be accessible at all times;

(iii) messages sent through the Website will be delivered promptly, or delivered at all; or

(iv) information transmitted, received or stored through the Services will be secure.

(b) We may make changes to the Services from time to time, including to information, functionality, product descriptions and pricing displayed on the Website. Where a change materially affects a Service you are receiving, we will give you reasonable notice. Changes to prices displayed on the Website do not affect the Payment specified in your Particulars of Agreement, which may only be varied in accordance with clause 5(f).

(c) We reserve the right to revise the content of a Program, cancel or reschedule part of a Program, or to make other changes to a Program as reasonably required over time. Scheduled sessions, group calls and availability may pause from time to time, including during scheduled breaks, public holidays and periods of leave. We will notify you in advance where reasonably practicable, and will continue to provide support through other available channels during those periods.

(d) The Services may contain links and references to other websites that are not our responsibility. We do not endorse and we have no control over the content of the linked websites and references.

8. AI-POWERED SERVICES & TOOLS

(a) Some of our Services may incorporate artificial intelligence, automation systems, AI-assisted technologies or related software tools (AI Tools). AI Tools are a subset of Tools. AI Tools may be used to assist with communication, support, education, analysis, content generation, recommendations, summaries, planning, workflow development, resource creation and other aspects of our Services.

(b) You acknowledge that AI Tools may generate outputs, recommendations, summaries, resources, insights or other materials based on information provided by you or otherwise available through our Services (Outputs). While we use reasonable efforts to improve the quality and usefulness of AI Tools and their Outputs, to the maximum extent permitted by law we do not guarantee the accuracy, completeness, reliability, suitability or fitness for any particular purpose of any Output. Outputs may contain inaccuracies, omissions or unintended results.

(c) You remain responsible for assessing, verifying and determining the suitability of any Output before relying on or acting upon it. You must not rely on an Output as a substitute for professional advice where professional advice is appropriate.

(d) AI Tools are provided as part of our Services and may be modified, enhanced, suspended or discontinued at any time without notice. Where an AI Tool forms a

material part of a Service you are receiving, clause 7(b) applies.

(e) You may use Outputs in connection with your business activities, including in your own marketing, client communications and business documents. You must not share, distribute or publish Outputs as standalone resources, templates, training materials or content for use by others outside your business, or in any way that would allow a third party to access or benefit from our Services without purchasing the relevant Service.

(f) We retain ownership of our underlying methodologies, frameworks, systems, models, prompts forming part of the AI Tools, templates, content and intellectual property used in connection with AI Tools and the Services. Nothing in these Terms transfers ownership of our intellectual property to you.

(g) We may use information provided by you, and information generated through your use of the Services, to operate, support, improve and develop our Services and AI Tools. We do not share your submissions, documents or materials with other participants without your permission. We may use insights, themes, patterns and learnings derived from participant interactions and submissions to improve our Services, resources and AI Tools. We do not use identifiable customer data to train third-party public AI models. Further information is set out in our Privacy Policy.

(h) Where you provide information about your clients, employees or other third parties to us or through our AI Tools, you warrant that you are authorised to do so and that you have obtained any consents required under applicable privacy laws.

9. INTELLECTUAL PROPERTY

(a) The Website, the Services and all related content, materials, resources, systems, tools and products provided by us are protected by intellectual property laws, including copyright laws in Australia and internationally.

(b) We retain ownership of all intellectual property rights in the Services and anything provided to you in connection with the Services, including text, spreadsheets, graphics, logos, branding, design, icons, images, sound and video recordings, pricing, downloads, software, templates, frameworks, methodologies, systems, prompts forming part of the Services, workflows, educational materials and other materials provided through the Services (Content). This includes the materials described in clause 8(f).

(c) You may make a temporary electronic copy of all or part of the Content for the sole purpose of viewing it, and may download Content where we make it available for download. Subject to clause 9(d), you must not reproduce, transmit, adapt, distribute, sell, modify, publish or commercially exploit the Content without our prior written consent or as permitted by law.

(d) You may use Content within your own business for the purpose of implementing ideas, strategies or materials from a Program. This includes completing, populating and modifying any templates, spreadsheets, worksheets or tools we provide for use in your business, and adapting Content for internal use within your business. You must not share, distribute or publish Content, or provide access to it, to any person outside your business.

(e) You retain ownership of any materials, documents or information you provide to us. You give us permission to use them for the purpose of delivering and supporting the Services for you, and otherwise as set out in clause 8(g) and our Privacy Policy.

(f) Where you provide feedback, suggestions or ideas about our Services, we may use them without restriction and without obligation to you.

10. PRIVACY

(a) Our collection, use, disclosure and storage of personal information is governed by our Privacy Policy, which can be found at theadvicebusiness.com/privacy

and forms part of these Terms.

(b) We ask that all communication with us takes place through our official channels — our business email addresses, our Website, and directly during scheduled sessions and Events. Messages sent through personal channels, including personal email addresses, personal phone numbers, social media and direct messaging platforms, may not be seen or responded to.

11. CONFIDENTIALITY

(a) Any information you provide to us that is confidential in nature and not publicly available will be kept confidential by us. This does not apply to information that is or becomes public through no fault of ours, that we already held, or that we develop independently.

(b) We will not disclose your confidential information to third parties except:

(i) where required by law;

(ii) where you provide permission; or

(iii) where disclosure is reasonably necessary for the delivery of our Services, including to our employees, contractors, professional advisers and service providers, including technology, cloud, communication, automation and AI providers used in connection with our Services. Where we disclose your confidential information under this paragraph, we take reasonable steps to ensure those parties maintain appropriate confidentiality.

(c) We recognise that information shared during coaching, advisory, strategic and operational discussions may be commercially sensitive. We take reasonable steps to handle that information appropriately within our systems and operations.

(d) Clause 8(g) sets out how we may use information you provide to improve our Services. Nothing in that clause permits us to disclose your submissions, documents or materials to other participants without your permission.

(e) The collection, use, disclosure and handling of personal information is further governed by our Privacy Policy.

12. DISCLAIMERS, LIABILITY AND INDEMNITY

(a) Nothing in this clause 12 excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded, restricted or modified by agreement.

(b) We provide support, guidance and tools to assist you to set goals, determine priorities and achieve results, but any decision you make or action you take, and

the consequences that flow from it, is your sole responsibility. You acknowledge and agree that:

(i) any business endeavour has inherent risk, including loss of capital. We make no express or implied claims that you will make money as a result of using our Services;

(ii) we are not responsible for any success or failure that you or your business may experience as a result of any information provided; and

(iii) our Services do not constitute a promise or guarantee of results or future earnings.

(c) Our Services are intended for educational, informational and coaching purposes only. Nothing provided through our Services constitutes financial, legal, accounting, tax, credit or other regulated professional advice. You should seek independent professional advice before acting on information provided through our Services where appropriate.

(d) You remain solely responsible for your own licensing, regulatory, compliance and professional obligations, including any obligations owed to your clients, licensees, aggregators, regulators or professional bodies. You must satisfy yourself that anything you implement from our Services is consistent with those obligations.

(e) Tools provided as part of our Services, such as spreadsheets or calculators, are a starting point only. They should be carefully considered and tailored to your specific commercial requirements and circumstances.

(f) To the maximum extent permitted by law, we are not liable to you or any third party for any indirect, consequential, special or incidental loss, or for any loss of profit, revenue, data, goodwill or business opportunity, arising in connection with the Services.

(g) To the maximum extent permitted by law, our total liability to you arising in connection with the Services is limited to the greater of:

(i) the total Payments you have made to us in the 12 months immediately preceding the event giving rise to the liability; and (ii) $10,000 AUD.

(h) You indemnify us against any loss, liability, cost or expense (including reasonable legal costs) we incur arising out of your breach of these Terms, your negligence, or your breach of any law, except to the extent caused by our negligence or breach of these Terms.

(i) We do not accept responsibility for loss or damage to computer systems, mobile phones or other electronic devices arising in connection with use of the Services. You must take your own precautions to ensure that the process you employ for accessing the Services does not expose you to risk of viruses, malicious computer code or other forms of interference.

13. ISSUES AND COMPLAINTS

(a) If you encounter any issues with our Services, please contact us using the contact details on our Website and we will endeavour to resolve the issue with you. The refundability of Payments is dealt with in clause 4.

(b) You must raise any issue with us and allow a reasonable opportunity for it to be resolved before commencing legal proceedings, except where urgent interlocutory relief is required or where a limitation period is about to expire.

(c) If you have paid for a Service and there has been a failure to meet a consumer guarantee under the Australian Consumer Law, or an equivalent guarantee under the consumer protection laws applying to you, we will provide a remedy as required by those laws.

(d) If you have an issue with a Payment, you must raise it with us in accordance with this clause before initiating a chargeback or payment dispute with your bank or card issuer.

14. TERMINATION

(a) This clause applies to Services provided on an ongoing or recurring basis. Terms applying to Events are set out in clause 6.

(b) Unless a minimum term is specified in your Particulars of Agreement, you may cancel at any time by giving us at least 10 days' written notice before your next payment date. Cancellation takes effect at the end of the period you have paid for. Where you give less than 10 days' notice before your next payment date, cancellation takes effect at the end of the following payment period. We will confirm your cancellation in writing.

(c) Where a minimum term is specified in your Particulars of Agreement, you may not cancel during that term except under clauses 14(h), 14(i) or 14(j). At the end of the minimum term your subscription continues on the terms of clause 14(b) until cancelled. Any early termination during a minimum term, and any fee payable, is by agreement in writing between us.

(d) We may cancel at any time by giving you at least 30 days' written notice. Where a minimum term is specified in your Particulars of Agreement, we may not cancel during that term except under clauses 14(e), 14(h) or 14(i).

(e) We may terminate immediately by written notice if a Payment remains unpaid for 14 days after it falls due.

(f) Payments already made are not refunded on cancellation, except as required by law, where you terminate under clause 14(h) for our breach, or as set out in clauses 14(i) and 14(j).

(g) You may not pause or suspend your subscription. If you wish to stop and return later, you may cancel and reapply, subject to availability and the terms applying at that time.

(h) Either party may terminate immediately by written notice if the other party commits a serious or material breach of these Terms. We may also terminate immediately if you breach clause 3(f) (Confidentiality) or clause 9 (Intellectual Property).

(i) For any other breach, the party not in breach may give written notice requiring it to be rectified. If the breach is not rectified within 7 days of that notice, the party who gave the notice may terminate by written notice. Where we terminate under this clause for a breach other than serious misconduct, we will refund the unused portion of the current payment period.

(j) If a Named Participant dies or becomes permanently incapacitated, we will cancel on written notice from you or your representative and refund the unused portion of the current payment period.

(k) On termination:

(i) your access to the Services provided to you under your Particulars of Agreement ends, other than any Event for which you hold a ticket;

(ii) any Payments that are overdue become immediately payable;

(iii) you may continue to use Content already provided to you within your own business in accordance with clause 9(d), but you must not share, distribute or publish it; and

(iv) any clause which by its nature would reasonably be expected to apply after termination survives, including clauses 3(f), 8, 9, 10, 11, 12, 13 and 15.

15. GENERAL

(a) (Notices) Notices under these Terms must be in writing and sent by email to the address recorded in your Particulars of Agreement, or in our case to [email protected].

(b) A notice is treated as received on the next business day after it is sent, unless the sender receives a delivery failure notification.

(c) You must tell us if your email address changes.

(d) (Force Majeure) Neither party is liable for any delay or failure to perform its obligations under these Terms where that delay or failure is caused by an event beyond its reasonable control, including natural disaster, fire, flood, storm, pandemic, epidemic, government restriction, power or telecommunications failure, industrial action, or serious illness or injury. This clause does not excuse an obligation to pay money that is already due. Where such an event prevents us from delivering a Service for a continuous period of more than 30 days, either party may terminate on written notice, and we will refund the unused portion of any Payment made in advance.

(e) (Governing Law and Jurisdiction) This agreement is governed by the law applying in Victoria, Australia. Each party submits to the exclusive jurisdiction of the courts of Victoria, Australia and courts of appeal from them in respect of any proceedings arising out of or in connection with this agreement.

(f) (Waiver) No party may rely on the words or conduct of any other party as a waiver of any right unless the waiver is in writing and signed by the party granting

the waiver.

(g) (Severance) Any term of this agreement which is wholly or partially void or unenforceable is severed to the extent that it is void or unenforceable. The validity

and enforceability of the remainder of this agreement is not affected.

(h) (Joint and Several Liability) An obligation or a liability assumed by, or a right conferred on, two or more persons binds or benefits them jointly and severally.

(i) (Relationship) Nothing in these Terms creates a partnership, joint venture, agency or employment relationship between the parties.

(j) (Assignment) Unless permitted in paragraph (k), a party cannot assign, novate or otherwise transfer any of its rights or obligations under this agreement

without the prior written consent of the other party.

(k) Either party may assign, novate or transfer its rights or obligations by written notice and without consent where the assignment, novation or transfer:

(i) is to a related body corporate as defined in s 50 of the Corporations Act 2001 (Cth); or

(ii) results in the individuals who are in control (as defined in s 50AA of that Act) of that party continuing to have control over the new party.

(l) (Entire Agreement) Subject to any additional terms provided in relation to a particular Service, this agreement embodies the entire agreement between the parties and supersedes any prior negotiation, conduct, arrangement, understanding or agreement, express or implied, in relation to its subject matter.

Terms and Conditions effective 24 July 2026.