E-Learning – Your Life – Your Money

LEGAL NOTICES AND DISCLAIMERS

The information contained on this site and in this programme is provided for the customers of All Money Matters Pty Ltd and Flexibility at Work. The materials and exercises are not a substitute for obtaining professional advice from a qualified financial planner, investment adviser, firm or corporation. Consult the appropriate professional advisor for more complete and current information prior to making an investment decision. All Money Matters Pty Ltd and Flexibility at Work are not engaged in rendering any professional investment advisory services by placing these general informational materials on the website and in the programme.

In presenting the material, neither All Money Matters Pty Ltd nor Flexibility at Work has taken into consideration any individual's investment objectives, financial situation or particular needs and this material is general in nature and is not intended in any way to be financial or investment advice for those participating in the programme.

Testimonials included on this site represent the outcomes that have been provided to us by individual clients and may not be typical of what every individual will achieve. All testimonials are provided voluntarily, without payment, inducement or other benefit and are from genuine clients of All Money Matters Pty Ltd or Flexibility at Work.

While this programme is based on information and from sources which are considered reliable, All Money Matters Pty Ltd and Flexibility at Work, their directors, employees and consultants do not represent, warrant or guarantee, expressly or implied, that the information contained in this programme is complete or accurate. Additionally, no responsibility is accepted to inform you of any matter that subsequently comes to their notice, which may affect any of the information contained in this document and programme.

All Money Matters Pty Ltd and Flexibility at Work, their officers or employees may at any time have a position, either long, short or in a derivative, in any of the financial instruments discussed herein.

All Money Matters Pty Ltd and Flexibility at Work make no representations or warranties about the accuracy or completeness of the information contained on this website or in this programme. Any links provided to other server sites are offered as a matter of convenience and in no way are meant to imply that All Money Matters Pty Ltd or Flexibility at Work endorse or sponsor the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated.

All Money Matters Pty Ltd and Flexibility at Work are the copyright owners of all text, graphics and activities contained in this programme, except as otherwise indicated. Other parties' trademarks and service marks that may be referred to herein are the property of their respective owners. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or activities to others or substantially copy the information on your own server without prior written permission of All Money Matters Pty Ltd and Flexibility at Work.

Permission to use and reproduce documents, activities and related graphics available from this programme is granted, provided that:

1. the copyright notice appears in all copies and that both the copyright and this permission notice appear;
2. use and reproduction of documents, information and related graphics available from this programme is limited to personal, non-commercial use;
3. no documents or related graphics, including logos, available from this programme or website are modified in any way; and
4. no graphics, including logos, available from this programme or website are used separate from accompanying text.

Use or reproduction for any other purpose is expressly prohibited by law, and may result in civil and criminal penalties.

Violators will be prosecuted to the maximum extent possible.

TERMS AND CONDITIONS

Due to the special pricing of this programme, the purchaser of the programme does not have the opportunity for a delayed or suspended start date. Start date begins from the time the access PIN number is issued (after payment has been received by All Money Matters Pty Ltd) and lasts for 3 calendar months from that start date.

To continue using this product following expiry of this period, you will be required to pay for the programme and you will then be issued with a new access PIN number.

This purchase is intended for a single user. It is non-transferable and not eligible for resale. Customers cannot provide their access PIN number to a third party. Breach of this condition will entitle All Money Matters Pty Ltd to immediately terminate a Customer’s access without refund.

No refunds will be given to Customers who purchase and fail to attend or complete the online programme within 3 calendar months of the purchase date.

REFUND POLICY

Please email us the following details:

1. Your name, email address and password,
2. Date and method of purchase of the e-course,
3. Reason for requesting a refund.

Refunds can only be made prior to Your Life - Your Money E-Course subscription expiry, ie. within 90 days of Subscription purchase.

PRIVACY POLICY


All Money Matters Pty Ltd and Flexibility at Work are committed to safeguarding your privacy online. We will not sell, rent or otherwise give your information to any other party.


Gathering of Information


Voluntary Submission


All Money Matters Pty Ltd and Flexibility at Work do not collect personally identifying information about any individual programme or web site user except when knowingly provided by such individual. For example, we may ask you for information when you register to receive a newsletter or to use our services and/or programmes. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still visit most of the All Money Matters Pty Ltd and Flexibility at Work web sites, but you may be unable to access certain options and services offered now or in the future.


Use of Information


Our primary goal in collecting user information is to enhance and improve your experience on our Web site. We achieve this goal by, among other things, providing interactive communications such as our electronic newsletters to the e-mail address that you provide to us, and developing future editorial content based on your interests. To develop content targeted to your interests, we use aggregated user information to determine which areas of our web site users prefer based upon traffic to those areas. We do not track what individual users read, but instead how well each page or content area performs overall.


All Money Matters Pty Ltd and Flexibility at Work will only disclose information about our users when we believe, in good faith, that the disclosure is required by law.


Please be aware that sponsors, advertisers or web sites that have links on our site may collect personally identifiable information about you. The information practices of those parties and web sites linked to All Money Matters Pty Ltd and Flexibility at Work are not covered by this privacy statement. All Money Matters Pty Ltd and Flexibility at Work users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards or any other type of outside disclosure, that information may be collected by others and may result in unsolicited messages from others.


Limitation of Liability

All products, services, information, software and downloads on this site are offered or provided “as is”. To the fullest extent permitted by applicable laws, neither All Money Matters Pty Ltd, Flexibility at Work nor any of their respective directors, employees, affiliates or other representatives will be liable for loss or damages arising out of or in connection with the use of, or inability to use, the materials in and/or facilities or services offered through this programme and/or website, including, but not limited to, indirect or consequential loss or damages, loss of data, income, profit or opportunity, loss of or damage to property and claims of third parties, even if All Money Matters Pty Ltd and Flexibility at Work have been advised of the possibility of such loss or damages or such loss or damages were reasonably foreseeable. If this clause is unenforceable in whole or in part in any jurisdiction due to relevant laws, then in no event shall All Money Matters Pty Ltd or Flexibility at Work total liability to you for all damages, losses, and claims (whether in contract, tort (including, but not limited to, negligence), or otherwise) exceed the amount paid by you for any product or service including any money paid, if any, for accessing this programme or website.


Changes are periodically made to the information provided in this programme and on this Website without advance notice of any kind. All Money Matters Pty Ltd and Flexibility at Work may also make changes in the products, services and software described in this programme and on the site at any time without advance notice. All Money Matters Pty Ltd and Flexibility at Work do not warrant that the information contained in this programme or on this Website is accurate or error-free.

 

Excellence is to do a common thing in an uncommon way. Booker T Washington