By accessing or using our website, content, products or services, you confirm that you have read and accept this Disclaimer.

This Disclaimer is governed by the laws of Victoria, Australia. To the extent permitted by law, you submit to the exclusive jurisdiction of the courts of Victoria.

If any part of this Disclaimer is invalid or unenforceable, the rest remains in effect.

Nothing in this Disclaimer excludes, restricts or modifies any rights you have under the Australian Consumer Law.

Refunds are available only as set out in this policy. Otherwise, all sales are final for change of mind. Please review the product description and contact info@joeconsulting.com.au with any questions before checkout.

The first lessons of each course are available free so you can assess the content before buying. For this reason, paid self-paced courses are not refundable for change of mind, including dissatisfaction with outcomes, your own execution, or not using the course. Access begins immediately on purchase.

You may cancel for a refund before the program start time shown on the sales page or confirmation email. Once the program has started, no refunds are available, including if you attend only part of it, miss sessions, have time-zone or personal difficulties, do not complete it, or do not achieve your desired results. After the program ends, the purchase is non-refundable.

Consulting services are non-refundable for change of mind. Delivery begins on purchase, including preparation, review and reserving capacity that we cannot offer to other clients. This includes changing your mind, dissatisfaction with perceived outcomes, failing to schedule or attend, late cancellation, no-shows, or personal or business circumstances. To reschedule, notify us at least 24 hours before the session; rescheduling depends on availability. No-shows and requests made within 24 hours may be treated as a delivered session.

If you accidentally buy the same digital product twice, email us within 7 days with proof of purchase for a refund of the duplicate.

Email info@joeconsulting.com.au with the name and email used to purchase, proof of purchase (receipt or transaction ID) and the product name. We may ask for more information to verify eligibility. Approved refunds go to the original payment method. All refund requests must be made by email; we may not be able to process requests sent through social media or messaging apps.

If you start a chargeback or payment dispute without contacting us first, we may immediately end your access to any course, program or service, refuse future services, and provide your agreement to this policy and records of delivery and access to the payment provider.

Nothing in this policy excludes, restricts or modifies your rights under the Australian Consumer Law. You may be entitled to a remedy, including a refund, if a product or service has a major failure, is not as described, or does not meet the consumer guarantees.

Joe Consulting Group Pty Ltd (ACN 692 949 625), Victoria, Australia. Contact: info@joeconsulting.com.au.

You must be at least 18 years old to use the Services.

The Services are educational and informational only and are not financial, investment, legal, tax, accounting, medical or psychological advice. See our Disclaimer.

Prices are shown in the currency at checkout. You authorise us and Stripe to charge your payment method for the amount shown, including applicable taxes. We may change prices at any time; changes do not affect completed purchases.

Depending on the product, delivery may be immediate access to digital content, email delivery, a platform login, registration for a live Zoom program, or scheduling of consulting sessions. For consulting, delivery begins on purchase, including preparation and capacity allocation. Paid courses include 12 months' access from the date of purchase.

Refunds are governed by our Refund Policy, which forms part of these Terms.

All content, videos, recordings, templates, prompts and course materials are owned by or licensed to us. You receive a limited, non-exclusive, non-transferable, revocable licence for personal, non-commercial use. You may not share, resell, redistribute or publish our materials; copy them beyond personal use; record or screen-capture live sessions where prohibited; share your login; or create derivative works without our written permission. We may suspend or end access if we suspect unauthorised sharing or misuse.

Please behave respectfully. We may remove participants for disruptive or abusive behaviour without refund. Schedules, speakers and formats may be adjusted where reasonably necessary.

Consulting is based on your circumstances and the information you provide. You agree to provide accurate information and understand that results depend on your execution and external factors.

You must not use the Services unlawfully; harass, threaten or abuse our team or participants; post defamatory content; interfere with our systems; or misuse our content. We may end access for breaches without refund.

To the maximum extent permitted by law, the Services are provided "as is" and "as available", without warranties of any kind.

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive loss. Our total liability for any claim is limited to the amount you paid us for the specific product or service giving rise to the claim in the 3 months before the event.

You indemnify the Company and its directors, officers, employees and contractors against claims, losses, liabilities and costs (including legal fees) arising from your use or misuse of the Services, your breach of these Terms, or your breach of any law or third-party right.

Our Privacy Policy forms part of these Terms.

We may suspend or end your access if you breach these Terms, behave abusively, start a charge-back in bad faith, or share or misuse our content. Termination may occur without refund, except where required by law.

We use third-party platforms including Stripe, Zoom, analytics and advertising services. We are not responsible for their outages, errors or policies.

We are not liable for delays or failures caused by events beyond our reasonable control, such as internet or platform outages, natural disasters or government action.

Please contact info@joeconsulting.com.au first to try to resolve any dispute informally. These Terms are governed by the laws of Victoria, Australia, and unresolved disputes are subject to the exclusive jurisdiction of the courts of Victoria, to the extent permitted by law.

If any part of these Terms is invalid, the rest remains in effect. These Terms, with our Disclaimer, Privacy Policy and Refund Policy, are the entire agreement between us. We may update these Terms by posting a new version with a revised date. These Terms are written in English; any Chinese summary is for convenience only, and the English version prevails.

Nothing in these Terms excludes, restricts or modifies your rights under the Australian Consumer Law.

Name, email and phone number; information you submit through forms, bookings, questionnaires or purchases; payment-related information (processed by Stripe); technical data such as IP address, browser and device; and usage data from cookies, pixels and analytics tools.

To provide courses, live programs and consulting; communicate with you; process payments and bookings; send educational content, updates and marketing; improve our website and content; and meet legal obligations.

By submitting your information, you consent to receive emails, newsletters and promotional messages from us. You can unsubscribe at any time using the link in our emails.

We and third-party analytics and advertising providers use cookies, pixels and similar tools to analyse traffic, improve marketing and show relevant ads. You can refuse or delete cookies in your browser settings, though some features may not work. Where required by law, we will ask for consent to non-essential cookies.

We may share information with service providers such as Stripe, email marketing platforms, analytics and advertising providers, scheduling tools, Zoom and AI tools. They handle data under their own privacy policies.

We take reasonable steps to protect your information, but no transmission or storage method is completely secure.

We keep personal information only as long as needed to provide our services, meet legal obligations, resolve disputes and enforce our agreements, then delete or de-identify it.

Depending on where you live, you may have the right to access, correct or delete your data and to withdraw marketing consent. Contact info@joeconsulting.com.au. In Australia, you may also complain to the Office of the Australian Information Commissioner (OAIC).

Our services are not intended for anyone under 18, and we do not knowingly collect their information. Contact us if you believe a child has given us personal information and we will delete it.

Your information may be processed or stored outside your country, including in the United States. By using our services, you consent to these transfers in line with applicable data protection laws, including the GDPR where it applies.

We may update this policy and will post updates on this page with a revised date.