Terms & Conditions

Terms and 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, shared workspaces 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 and takes effect from the date it is posted, except for a material change, which takes effect no earlier than 30 days after we notify you of it. Where we make a material change, we will notify you, such as by email or notice on the Website, at least 30 days before it takes effect. If you do not accept a material change, you may cancel in accordance with clause 14 before it takes effect. Continued use of our Services after a material change takes effect constitutes acceptance of the updated Terms. Where you purchase an Event ticket, that ticket remains governed by the Terms in force at the date of purchase, regardless of any later update to these 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 each individual and any entity named in it. Where You refers to more than one person or entity, they are bound jointly and severally in relation to those obligations each of them owes under these Terms.

(h) Your Business means the business of the Contracting Entity as described in clause 3.

2. OUR OBLIGATIONS

(a) We will provide the Services with due care and skill.

(b) Unless we state otherwise, Services other than Events are delivered online. Recording forms part of how we deliver coaching and Program sessions.

(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 and our personnel. You must not promote or sell your products or services to other participants, or use your participation in our Services as an opportunity to do so, unless invited to do so in writing by us. This does not prevent you dealing with a person you knew, or met, independently of the Services. You must not engage in any behaviour that could be dangerous, offensive, disruptive or inappropriate for other participants or our personnel. 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. If you breach this clause, we may require you to leave a session or Event, remove your access to a Service, and/or refuse your future participation in our Services. Where we remove your access to a Service, that Service is cancelled with effect from the date we remove access and we will refund the unused portion of the current payment period. This does not apply to Event tickets, which are dealt with in clause 6(d).

(e) (Named Participants) Our Services are provided to the entity named in the Particulars of Agreement (Contracting Entity) 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. A person becomes a Named Participant when they sign the Particulars of Agreement, or, where they are added after the Particulars of Agreement is signed, when they sign a written variation agreeing to be bound by these Terms and the Particulars of Agreement. Each Named Participant agrees personally to comply with their obligations under these Terms in relation to: conduct and participation in the Services; use of the Services and AI Tools; intellectual property; confidentiality and privacy; accuracy of information provided; and any other obligation expressed in these Terms to apply to Named Participants personally. All payment and other financial obligations under these Terms remain the responsibility of the Contracting Entity.

(f) (Multiple Named Participants) Where more than one Named Participant from the same business participates in our Services, we deliver the Services to the business as a whole. You agree that information provided by or about one Named Participant, including session content, submissions and materials, may be shared and discussed with the other Named Participants. If there is something you do not want discussed with the other Named Participants, do not raise it in a joint session and tell us in writing beforehand.

(g) (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.

(h) (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.

(i) (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. These assessments are administered by third-party providers. You complete the assessment directly with the provider, your information is handled by them in accordance with their own terms and privacy policy, and we receive the results and related reports. 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 delivering the Services. If you do not want your results shared, tell us in writing before completing the assessment. Assessment results and related reports are handled in accordance with our Privacy Policy.

(j) (Recordings and Photographs) Programs, sessions, workshops, webinars and Events may be recorded, and photographs, screenshots or other images may be taken at Events and during sessions. By continuing to participate after we notify you that a session is being recorded, you consent to the recording. You acknowledge that recordings, photographs and images may occur and may be used by us for internal, educational, training, administrative and related business purposes, including processing by AI Tools to produce transcripts, summaries and related materials. Where a session is a group training session, we may make the recording or a summary of it available to other participants in that Program. We will tell you where a session is one that may be shared. We do not share recordings or summaries of group question and answer sessions with other participants. We may also use recordings, photographs and images for promotional or marketing purposes. If you do not wish to be included in promotional or marketing use, tell us and we will take reasonable steps to exclude you. We will not use commercially sensitive information disclosed in a recording for promotional or marketing purposes without your specific written consent. Further information regarding recordings, photographs and the handling of personal information is set out in our Privacy Policy.

(k) (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 or improving any artificial intelligence system, database, competing product or service without our prior written consent. This does not prevent you using artificial intelligence tools in your business on material you are licensed to use under clause 8 or 9.

(l) (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.

(m) (Working Documents) Where we provide access to a shared workspace, folder or Working Documents, access requires a Google account. You may use a business or personal email address, and you can create a free Google account against an existing email address if you do not already have one. You are responsible for the security of that account and for keeping your login details confidential. Access is limited to Named Participants. You must not share access, or share links to shared workspaces or Working Documents, with any person who is not a Named Participant without our prior written approval. You may share the contents of a Working Document within your business in accordance with clauses 3(g) and 9(d). If you lose access to your Google account, we will take reasonable steps to restore your access to the shared workspace, but recovering the account itself is a matter between you and Google.

(n) (Non-solicitation) During your engagement with us and for 12 months afterwards, you must not, without our prior written consent, solicit or induce any of our personnel, coaches or contractors to end their engagement with us. You must not use contact details or other information about other participants obtained through or in connection with the Services to promote or offer services that compete with ours. This does not prevent you acting on a connection made independently of the Services.

(o) (Information You Share With Us) Our Services involve discussing your business, your team and your operations. We will ask you for information about your business and about your team members, including their names, roles and performance, where it is relevant to the coaching or support we are providing. We do not require personal information about your clients. Where you wish to discuss a client scenario, please de-identify it. If you send, upload or display material containing personal information about your clients or your team, you remain responsible for having the authority to do so under clause 8(h). Correspondence should be sent to our business email addresses in accordance with clause 10(b). You are responsible for ensuring that anything you send, upload or share with us is appropriate to disclose. Where you participate in a group session or Event, you decide what information about your business you share in that setting. We ask participants to respect the confidence of what is shared in group sessions, but we cannot control what other participants do with it and we are not responsible for the consequences of information you choose to share with them.

(p) (Testimonials) If you give us a testimonial or review about our Services, you agree that we may use and publish it in our marketing and promotional material, including on our Website and social media, together with your name, business name and role. You may withdraw your permission at any time by telling us in writing, and we will remove it from material we control within a reasonable time. We are not required to recall or amend material already printed, published or distributed.

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. Where an application fee is required, acceptance of your application is at our absolute discretion. The application fee is credited toward your first Payment if your application is accepted, and refunded if your application is declined.

(c) Nothing in these Terms 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. Subject to those rights and to the other provisions of these Terms, Payments are non-refundable where you cancel or discontinue a Service at your own election.

(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 is not received when due, we will contact you. If the Payment remains unpaid for 7 days after it falls due, we may suspend your access to the Service until payment is received. Where we suspend your access, your access to Working Documents is suspended but they are not deleted, and access is restored when payment is received.

(e) Your subscription continues at the frequency indicated until it is cancelled in accordance with clause 3(d) or 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. The revised Payment applies from your first Recurring Payment falling on or after the end of that notice period. If you do not accept the revised Payment, you may cancel in accordance with clause 14 before it applies. Continued use of our Services after the revised Payment applies constitutes acceptance of it.

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) Except as set out in clauses 6(e) and 6(f), 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. If you do not attend an Event within that 12-month period, your ticket expires and no refund or credit is payable, unless we did not hold a suitable Event during that period.

(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. Where a change is minor — including rescheduling to a new date less than four weeks from the original date within the same city, or a change of speaker — no refund or credit is payable and your ticket remains valid for the Event as changed. Where a change is material — including converting an in-person Event to a virtual or live-streamed format, or relocating an Event to a different city — you may, by the earlier of 14 days after we notify you of the change, and the date of the Event as changed, elect a full refund of your ticket price or a credit toward a future Event on the same basis as clause 6(d). If you elect either, your ticket for the changed Event is cancelled and you are no longer entitled to attend. If you do not make an election within that time, your ticket remains valid for the Event as changed. Except as required by law, any costs you incur as a result of a change, including travel and accommodation costs, remain your responsibility, whether or not you elect a refund or credit. We will process any refund within 2 business days of your election; the time it takes to reach your account depends on your bank or card issuer and is outside our control.

(f) If we cancel an Event, clause 6(e) applies to any alternative event, format or date we offer instead. If we do not offer an alternative, we will process your refund within 2 business days of notifying you of the cancellation. Except as required by law, we are not responsible for any other costs you incur, or for the time it takes a refund to reach your account, which depends on your bank or card issuer and is outside our control.

(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, and provide an emergency contact where we ask for one.

(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. Clause 3(j) governs your ability to opt out of promotional or marketing use. You

may raise this with us in person at the Event as well as in writing.

(m) Clause 3(d) applies at Events. Refunds for Event tickets are dealt with in clause 6(d).

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) or by written agreement between us.

(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, 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, other than with other Named Participants under your Particulars of Agreement in accordance with clauses 3(f) and 3(i), or as set out in clause 3(j). 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 clauses 9(d), 9(g) and 9(h), 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 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 warrant that you are entitled to provide them to us and to authorise our use of them under this clause. So that we can deliver the Services, you give us permission to use, copy, adapt and display those materials, and to provide them to our contractors and service providers for the same purpose. This permission is limited to what is reasonably required to deliver and support the Services for you. We may also use information you provide 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.

(g) We may provide documents, templates or shared workspaces for you to complete work in, and we or you may add content to them (Working Documents). We retain ownership of the underlying templates, frameworks, methodologies and structure of any Working Document, and of any copy, wording, scripts or other material we create within it, and may continue to use them with other participants and in our own business. You retain ownership of the content you create. We grant the Contracting Entity a perpetual, non-exclusive licence to use the completed Working Document for the purpose of running your business. You must not share, distribute or publish a Working Document, or provide access to it, to any person outside your business. Your business information, financial information and client information contained in a Working Document remains confidential under clause 11.

(h) (Deliverables) Where a Working Document process results in a completed deliverable for use in your business (Deliverable), we grant the Contracting Entity a perpetual, non-exclusive licence to use, reproduce, adapt, modify, publish and commercially exploit the Deliverable in your business. The licence extends to providing the Deliverable to, or using it with, your own clients. It also extends to providing it to your own contractors, designers or service providers, solely for the purpose of implementing, building, adapting or incorporating it in your business. You must ensure that any such contractor, designer or service provider does not use, further distribute or reuse the Deliverable beyond that purpose. You must not otherwise publish, resell, sublicense or provide the Deliverable, in whole or substantial part, to any other business or third party as a standalone resource or template. We retain ownership of the underlying methodology, framework, structure and approach used to produce the Deliverable, and may continue to use it with other participants and in our own business. Because we work from reusable frameworks and know-how, similar concepts, structures, wording or approaches may appear in Deliverables or Working Documents we produce for other participants. We do not promise that a Deliverable, or any element of it, will be unique or exclusive to you. Where a Deliverable includes or refers to material owned by a third party, that material remains subject to the rights of its owner, and we cannot grant you rights in it beyond those we hold.

(i) The rights granted by clauses 9(g) and 9(h) are not limited by clauses 3(g), 3(k)(i) or 8(e).

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.

(c) We do not ask you for sensitive information as defined in the Privacy Act 1988 (Cth), except where you tell us about dietary requirements, allergies or medical conditions relevant to your participation in an Event. If you choose to tell us something of a sensitive nature in the course of receiving our Services, you consent to us collecting and holding that information and using it for the purpose of delivering the Services to you. Please do not give us sensitive information about other people.

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, including under clauses 3(f), 3(i) and 3(j); 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, other than as set out in clauses 3(f), 3(i) and 3(j).

(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. The Advice Business is a professional coaching and peer learning provider. We are not a licensed financial adviser, legal practitioner or accountant, and nothing provided through our Services constitutes regulated financial, legal or accounting advice. You should seek independent professional advice before acting on information provided through our Services.

(d) Our Services and any Content, guidance or Outputs provided through them are general in nature and are not tailored to your specific licensing, regulatory or professional obligations. They may not be consistent with, or sufficient to meet, those obligations. 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, and subject to any right or remedy you have under the Australian Consumer Law that cannot be excluded, restricted or modified by agreement, 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, and subject to any right or remedy you have under the Australian Consumer Law that cannot be excluded, restricted or modified by agreement, 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 clauses 3(d), 4, 6, 14 and 15(d).

(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, we ask that you contact us in the first instance so we can try to resolve it. This does not affect your right to raise a dispute with your bank or card issuer at any time.

(e) If a dispute is not resolved under clause 13(b), either party may give the other written notice requiring the dispute to be referred to mediation. The parties will attempt to agree on a mediator within 14 days of that notice, failing which either party may ask the Resolution Institute to appoint one. The parties will attend the mediation in good faith. Each party bears its own costs of participating; the mediator's fees and any venue costs are shared equally. The mediation, and anything said or produced for the purpose of it, is confidential and without prejudice. Neither party may commence legal proceedings in relation to the dispute until the earlier of 60 days after the mediation notice is given, or the mediation concluding without resolution, except as permitted under clause 13(b).

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, sent by email to [email protected]. 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 as otherwise provided in these Terms.

(d) We may cancel at any time by giving you 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 we give less than 10 days' notice before your next payment date, cancellation takes effect at the end of the following payment period. Where a minimum term is specified in your Particulars of Agreement, we may not cancel during that term except under clauses 3(d), 14(e), 14(h), 14(i) or 14(j).

(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 or as set out in clauses 3(d), 14(i), 14(j) and 15(d). Where you terminate under clause 14(h) for our breach, we will refund the unused portion of the current payment period.

(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 to the terms and pricing we offer you at that time. We may, at our absolute discretion, agree to place your membership on hold for a period in circumstances such as serious illness or bereavement. Any hold, and the terms on which it applies, must be agreed in writing.

(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(g) (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 that is not serious or deliberate, we will refund the unused portion of the current payment period.

(j) If a Named Participant dies or becomes permanently incapacitated, you or your representative may give us written notice. Where that person is the only Named Participant, we will cancel and refund the unused portion of the current payment period to the Contracting Entity. Where there is more than one Named Participant, you may elect to cancel on the same basis, or to continue with the remaining Named Participants.

(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. We will give you at least 10 days from the date of termination to copy any Working Documents before removing your access to them. Your licences under clauses 9(g) and 9(h) continue after termination. We may retain a copy of Working Documents, which remains subject to clause 11;

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

(iii) you may continue to use Content already provided to you within your 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(g), 3(k), 3(n), 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.

(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 despite clauses 14(c) and 14(d), 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; or

(iii) in our case, is in connection with a sale, merger or transfer of all or a substantial part of our business or assets, provided the transferee agrees to be bound by these Terms.

(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 31 August 2026.