Terms of Service

1. Introduction and Acceptance

Welcome to ASX Masters (ABN: 12 345 678 901). These Terms of Service ("Terms") govern your use of our website, courses, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our Services. We reserve the right to modify these Terms at any time, and your continued use constitutes acceptance of any changes.

2. About Our Services

ASX Masters provides educational services focused on Australian stock market investing, including:

• Online courses and educational materials
• Investment analysis and market insights
• Blog content and newsletters
• Webinars and live sessions
• Community forums and support

Important Disclaimer: Our services are for educational purposes only and do not constitute financial advice. We are not licensed to provide financial advice under the Corporations Act 2001.

3. Eligibility and Registration

3.1 Age Requirements

You must be at least 18 years old to use our Services. By using our Services, you represent that you meet this age requirement.

3.2 Account Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your login credentials secure
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

3.3 Account Restrictions

We reserve the right to refuse service, terminate accounts, or cancel orders at our discretion, particularly if we suspect fraudulent, abusive, or illegal activity.

4. Educational Services and Content

4.1 Course Access

Upon successful payment, you will receive access to purchased courses for the specified duration. Access includes:

• Video lectures and educational materials
• Downloadable resources and worksheets
• Course assessments and quizzes
• Community access (where applicable)

4.2 Content Updates

We regularly update our course content to reflect market changes and new developments. You will have access to updated materials during your enrollment period.

4.3 Completion Certificates

Certificates of completion are available for courses where you meet the specified requirements. These certificates are for educational recognition only and do not constitute professional certification or licensing.

5. Payment Terms

5.1 Pricing and Fees

All prices are displayed in Australian Dollars (AUD) and include GST where applicable. We reserve the right to change prices at any time, but price changes will not affect orders already confirmed.

5.2 Payment Methods

We accept major credit cards and PayPal. Payment is required in full before access to courses is granted.

5.3 Billing

For subscription services:

• Billing occurs on a monthly or annual basis as selected
• Automatic renewal unless cancelled
• No refunds for partial billing periods
• Price changes require 30 days notice

6. Refund and Cancellation Policy

6.1 Course Refunds

We offer a 30-day money-back guarantee for our courses, subject to the following conditions:

• Request must be made within 30 days of purchase
• You must have completed less than 25% of the course content
• Refund requests must include a reason for dissatisfaction
• Downloads of materials may affect refund eligibility

6.2 Subscription Cancellations

You may cancel your subscription at any time. Cancellation will take effect at the end of the current billing period. No refunds are provided for unused portions of subscription periods.

6.3 Refund Process

Approved refunds will be processed within 5-10 business days to the original payment method.

7. Intellectual Property

7.1 Our Content

All content provided through our Services, including courses, articles, videos, and materials, is protected by copyright and other intellectual property laws. This content is owned by ASX Masters or our licensors.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, educational purposes only. You may not:

• Reproduce, distribute, or publicly display our content
• Create derivative works based on our content
• Sell, license, or otherwise commercialize our content
• Remove copyright or proprietary notices
• Share login credentials or course access

7.3 User-Generated Content

By posting content in our forums or submitting feedback, you grant us a non-exclusive, royalty-free license to use, reproduce, and display such content in connection with our Services.

8. Prohibited Uses

You agree not to use our Services for any unlawful purpose or in violation of these Terms. Prohibited activities include:

8.1 Content Violations

• Sharing or distributing course materials without permission
• Recording or copying video content
• Reverse engineering our platform or content
• Using automated tools to access our Services

8.2 Conduct Violations

• Harassing, threatening, or defaming others
• Posting false, misleading, or fraudulent information
• Attempting to gain unauthorized access to accounts or systems
• Interfering with the operation of our Services
• Violating any applicable laws or regulations

9. Educational Disclaimers

9.1 Not Financial Advice

IMPORTANT: Our Services provide general educational information about investing and financial markets. This information:

• Is not personal financial advice
• Does not consider your individual circumstances
• Should not be relied upon for investment decisions
• Does not constitute recommendations to buy or sell securities

9.2 Investment Risks

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. You should:

• Consult with licensed financial advisors
• Conduct your own research and due diligence
• Consider your risk tolerance and financial situation
• Diversify your investments appropriately

9.3 Market Information

Market data and information provided in our courses may be delayed or based on historical information. We do not guarantee the accuracy, completeness, or timeliness of any market information.

10. Limitation of Liability

To the maximum extent permitted by law:

10.1 Disclaimer of Warranties

Our Services are provided "as is" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

10.2 Limitation of Damages

In no event shall ASX Masters be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Investment losses or trading decisions
• Loss of profits or business opportunities
• Loss of data or access to Services
• Personal injury or property damage

10.3 Maximum Liability

Our total liability to you for any claims relating to these Terms or our Services shall not exceed the amount you paid us in the 12 months prior to the claim.

11. Indemnification

You agree to indemnify and hold harmless ASX Masters and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you post or submit

12. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to our privacy practices as described in the Privacy Policy.

13. Communications

13.1 Electronic Communications

By using our Services, you consent to receive communications from us electronically, including emails, newsletters, and platform notifications.

13.2 Opt-Out

You may opt out of promotional communications at any time by following the unsubscribe instructions in our emails or contacting us directly.

14. Third-Party Services

Our Services may integrate with or link to third-party services, including:

• Payment processors
• Social media platforms
• Analytics services
• Market data providers

We are not responsible for the practices or content of third-party services. Your use of such services is governed by their respective terms and policies.

15. Termination

15.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in your settings.

15.2 Termination by Us

We may terminate or suspend your access immediately, without prior notice, for any reason, including:

• Violation of these Terms
• Suspected fraudulent or illegal activity
• Non-payment of fees
• Extended periods of inactivity

15.3 Effect of Termination

Upon termination:

• Your access to Services will cease immediately
• Outstanding fees remain due and payable
• Provisions that should survive termination will remain in effect

16. Governing Law and Jurisdiction

These Terms are governed by the laws of Victoria, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

17. Dispute Resolution

17.1 Informal Resolution

Before pursuing formal dispute resolution, we encourage you to contact us directly to resolve any issues.

17.2 Binding Arbitration

Any disputes that cannot be resolved informally may be subject to binding arbitration under the Commercial Arbitration Act 2011 (Vic).

18. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and ASX Masters regarding the use of our Services.

20. Contact Information

If you have questions about these Terms, please contact us:

21. Amendments

We reserve the right to modify these Terms at any time. Significant changes will be communicated through:

• Email notification to registered users
• Prominent notice on our website
• In-platform notifications

Continued use of our Services after changes constitutes acceptance of the new Terms.