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TERMS OF USE (the “Website”) is operated by Jenna Lee Black ABN 49734354296 (“the Owner”).

By accessing the Website you agree to be bound by these Terms of Use and our Privacy Policy.

If you do not agree with the Terms of Use please do not proceed to access the site or its content in any respect.

The Owner reserves the right to modify, permanently or temporarily disable or discontinue any part of the Website and to alter, amend or withdraw any part of the Privacy Policy, these Terms of Use or any information or material appearing on the site without liability or further notice to you.

Your continued use of the Website will constitute an automatic acceptance of any alteration, withdrawal or amendment of same.

1.1 Disclaimer

The Website is provided to you for your own personal use.

We take care in creating the information and material on the Website but make no warranties or representations regarding the accuracy, completeness, quality or fitness for purpose of any material or content.

All of the information and material published on the Website (including any tools, calculators, linked sites or third party content) or made available on portable device applications (“Apps”) are for general and illustrative purposes only and are not intended to constitute commercial, financial, investment, accounting, taxation or legal advice.

The information provided here and in our courses and seminars is not financial nor investment advice, we do not conduct a financial services business and we do not recommend financial products. We do not hold an Australian Financial Services licence.

Testimonials published by us are independent and genuine. However, they do not represent a guarantee or warranty of similar results.

All of the information and material has been provided without regard to the needs or specific financial objectives of any user of the site. Accordingly, you should consider whether the use of such information or material is appropriate in your individual circumstances and seek advice from a qualified professional before making any financial decisions.

1.2 Privacy

You agree that we will collect and manage your personal information supplied to us in accordance with our Privacy Policy.

You agree to our Privacy Policy available at

1.3 Links to Other Websites

The Website may contain links to sites on the World Wide Web (“WWW”) owned and operated by third parties and which are not under the control of the Owner. In relation to the other sites on the WWW, which are linked to the Website, the Owner:

(a) provides the links to other sites as a convenience to you and the existence of a link to other sites does not imply any endorsement by the Owner of the linked site or its information, products or services; and

(b) is not responsible for the information or material contained on those linked sites.

1.4 Advertising and sponsored content

There are strictly no refunds for any sponsored content including sponsored articles and links to external websites.

1.5 Use of Material on the Website

You must not reproduce, distribute, re-transmit, upload, repost, or “frame” any of the information or material on the Website for any purpose. These activities are unlawful in any jurisdiction and are specifically prohibited by these Terms of Use.

You may not modify or copy the layout of the Website or any computer software or code contained in the Website.

The Owner reserves all intellectual property rights, including, but not limited to, copyright in material and/or services provided by it. The material provided on the Website may not be:

(a) re-sold and/or re-distributed in any material form;

(b) stored in any storage media; and/or

(c) re-transmitted in any media, without the prior written consent of the Owner.

1.6 No Warranty

Every effort has been made to ensure that the information and material provided on the site (including the results of tools, calculators, linked sites and third party content) is accurate and complete. However, the Owner does not warrant, guarantee or make any representation that:

(a) the Website, or the server that makes the Website available on the WWW are free of software viruses;

(b) the functions contained in any software contained on the Website will operate uninterrupted or are error-free; or

(c) that errors and defects in the Website will be corrected in a timely manner if at all.

The Owner is not liable to you for:

(d) errors or omissions in the Website, or linked sites on the WWW; or

(e) delays to, interruptions of or cessation of the services provided on the Website, or linked sites;

regardless of whether caused through the negligence of the Owner, its employees or independent contractors, or through any other cause.

1.7 Limitation of liability

To the fullest extent permissible by law:

(a) The Owner and its respective officers, employees and agents will accept no liability for any costs, losses or damages of any kind, which you may incur, arising whether directly or indirectly as a result of;

(i) your use of the Website or reliance on any information or material published on the Website;

(ii) your removal of any information or material from the Website; and

(iii) your breach of these Terms of Use.

(b) The Owner’s liability for any cause whatsoever (regardless of the form of the action) will at all times be limited to the amount paid by you to the Owner for all publications, products and services provided to you by the Owner during the term of your use.

1.8 Indemnity

You will at all times indemnify and keep indemnified the Owner and its respective officers, employees and agents from and against any loss (including reasonable legal costs and expenses) or liability incurred by any of those indemnified arising from any claim, demand, suit, action or proceeding by any person against any of those indemnified where such loss or liability arose out of, in connection with or in respect of your use of the Website or any breach of these Terms of Use by you.

1.9 Security Statement & Security Features

The Owner endeavours to ensure the integrity and security of data on the Website by implementing a number of security controls, including:

(a) Time-out period – After a period of browser inactivity your session may be terminated to reduce the risk of anyone else accessing your account details.

(b) Regular Security Reviews – will be undertaken in respect of the system’s architecture.

Further, to protect your own information, we advise you to:

(a) Do not record or save your user name and/or password on your computer and dispose or switch off the option on your browser for retaining user names and passwords;

(b) Be wary of other people observing you when entering your user name and password;

(c) Ensure your password:

(i) does not contain your name, date of birth, address or telephone number;

(ii) is never disclosed to anyone;

(iii) is not stored in your computer’s programmable function keys;

(iv) is changed regularly;

(v) is easy to memorise but difficult to guess.

The Owner or its staff will never ask you for details of your password.

All users are advised to maintain the security of their devices by installing the latest antivirus, anti-spyware and firewall software.

1.10 No Backup

The Owner does not provide a backup service for your personal user data.

All responsibility and all liability in respect of the user’s personal data remains with the user.

1.11 Jurisdiction

If any part of these Terms of Use are found to be void, unlawful, or unenforceable then that part will be deemed to be severable and the severed part will not affect the validity and enforceability of any remaining provisions of the Terms of Use.

These Terms of Use will be governed by and interpreted in accordance with the law of the State of New South Wales, Australia without giving effect to any principles of conflicts of laws.

You agree to the jurisdiction of the courts of the State of New South Wales to determine any dispute arising out of these Terms of Use.