Please read the Terms and Conditions of Use carefully before using this website. All users of this site agree that access to and use of this site are subject to the following terms and conditions and other applicable law. If you do not agree to these terms and conditions, please do not use this site.

These terms and conditions (“Terms and Conditions”) govern your use of these domains:
www.thewealthacademy.com.au, www.thewealthacademy.com, (“Website”).

In these Terms and Conditions, The Wealth Academy and its related companies are referred to as “TWA”, “us,” or “we.”

By using this Website and its services you will be bound by these Terms and Conditions and TWA’s Privacy Policy (“Privacy Policy”).

Introduction

Welcome to The Wealth Academy.

The Website is owned and operated by the The Wealth Academy, ABN 95 093 247 888 and may contain material from TWA.

Your access to, use of, linking to the Website and the Services, use of software or downloading software on the Website including any information, resources or links from the Website is conditional upon your acceptance and compliance with the terms, conditions, notices and disclaimers contained on this page and elsewhere on the Website. Your Access to the Website constitutes your agreement to be bound by the General Conditions. TWA reserves the right to amend terms, conditions and guidelines at any time.

For as long as TWA continues to offer the Services, it shall provide and seek to update, improve and expand the Services. As a result, TWA allows you to access the Website as it may exist and be available on any day and it has no other obligations. TWA may modify, replace, refuse access to, suspend or discontinue the Website, partially or entirely, or change and modify access for all or part of the Services in our sole discretion. All of these changes shall be effective upon their posting on our site or by direct communication to you unless otherwise noted.

Your use of the Services following such posting or communication constitutes your acceptance of the terms and conditions of this Agreement as modified.

Nothing in these conditions is intended to, or shall be deemed to, establish any partnership or joint venture between any of the parties, constitute any party the agent of another party, nor authorize any party to make or enter into any commitments for or on behalf of any other party.

Disclaimer: The information on this website is general educational information. It is not financial advice. We are not financial advisors. The information is designed to improve your financial literacy, capability and well-bing by increasing your awareness and understanding of the topics, concepts and themes described.

General Conditions

In these General Conditions the following words have the following meanings:

• “You” are the user of the website;
• “Website” is the website that you are currently using, and includes www.thewealthacademy.com.au, but does not include non-TWA websites to which those websites link
• “Content” is the content of these websites that is visible through use of a web browser.
• “Member” you are a member of the website if you complete the registration form in order to access our “Services”, or choose to freely download our available resources, and in so doing agree to the Terms and Conditions of the website.
• “Sponsor and/or Partner” is a third party with which TWA has entered into an arrangement involving the negotiated provision of funds, goods or services in exchange for advertising, publicity or other benefits.
• “Services” includes the content, access to programs and resources, links, blog, newsletter, and discussion forum provided through the website www.thewealthacademy.com.au and associated TWA sites.
• “Teacher Resources” are resources provided on the Website by TWA as part of the content of these websites for the use of Teachers in an educational forum.

Your Use of this Website

You must not to use this Website for anything that is unlawful or is prohibited by these Terms and Conditions and/or any notices elsewhere on this Website.

You may view the Website using your web browser and save an electronic copy, or print out a copy, of parts of this web site solely for your own personal use, information, research or study, but only if you keep all Content intact and in the same form as presented on the Website (including without limitation all copyright, trademark and other proprietary notices and all advertisements).

You must not use the Website or the Content in any manner or for any purpose which is unlawful or in any manner which violates any right of TWA or which is prohibited by these General Conditions.

You must not use the Content for commercial purposes without first obtaining the express written authority of TWA. Use of the Content for a commercial purpose is any use other than accessing and using the content for your own personal and private decision making or educational purposes.

Harassment in any form on the site, including via email, chat, feedback, reviews or by use of obscene or abusive language, is strictly forbidden. You may not upload to, distribute, or otherwise publish through the site any content which is libellous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable which may constitute or encourage a criminal offence, violate the rights of any party or which may otherwise give rise to liability or violate any law. You may not upload commercial content on the site or use the site to solicit others to join or become members of any other commercial online service or other organisation.

TWA advises that you seek professional advice before relying on any information on this Website. Under no circumstances will TWA be liable in any way for any information it provides on the Website or through the Services, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred in connection with use of or exposure to any Content posted, emailed, accessed, transmitted, or otherwise made available via the Services.

You represent and warrant to TWA that you are of legal age to form a binding contract or have your parent’s permission to do so, and you are at least 13 years or age or older. You also certify that you are legally permitted to use and access the Services and take full responsibility for the selection and use of and access to the Services. This agreement is void where prohibited by law, and the right to access the Services is revoked in such jurisdictions.

If you are registering with the Website as a business entity, you represent that you have the authority to legally bind that entity. If you are trading as a business, you must comply with and you are responsible for all laws applicable to your business.

If you link to the Website, TWA may revoke your right to so link at any time, at TWA’s sole discretion. TWA reserves the right to require prior written consent before linking to the Website.

You will indemnify and hold TWA, its parents, subsidiaries, affiliates, officers, and employees harmless (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) from any claim or demand made by any third party due to or arising out of your access to the Services, use of the Services, your violation of these Terms and Conditions, or the infringement by you or any third party using your account of any intellectual property or other right of any person or entity.

Registration

You will need to register to become a Member if you wish to access the Services via this Website.

To register to become a Member you must provide the TWA with information about you via the Company’s registration form http://www.thewealthacademy.com.au .

TWA’s use of this information is set out in our Privacy Policy which can be found on the Website.

You must provide true, accurate, current and complete information about yourself when completing the registration form.

You must maintain and update this information and keep it true, accurate, current and complete. If any information provided by you is not, TWA has the right to cancel your membership and refuse any and all current or future use of this Website.

You must not tell anyone else your username or password. Any unauthorized use of either of them must be reported to This email address is being protected from spambots. You need JavaScript enabled to view it. as soon as you are aware of such use and TWA will, as soon as reasonably possible, cancel your user name and/or password and issues new ones to you.

TWA may, for security or other reasons, require you to change your username and/ or password or other information which facilitates access to this Website or its Services.

TWA reserves the right to cancel your username and password without notice if the Company becomes aware of any breach of these Terms and Conditions by you.

Once TWA has sent you a confirmation e-mail you will become a Member and will be able to access the Services available via the Website. You may cancel your membership at any time by contacting us at This email address is being protected from spambots. You need JavaScript enabled to view it. – or clicking on the “unsubscribe” button on the website.

Dealings with Third Parties

TWA is not an agent of any third party or any party named or linked to this Website (“Third Parties”) and does not have any authority to act for such Third Parties. TWA does not control or endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such Third Parties.

You agree that (to the maximum extent permitted by applicable law) TWA (and our officers, directors and employees) shall have no liability to you in relation to any dispute which you may have with a Third Party, without limitation one or more of your customers, and/or any other users of this Website.

Copyright

The entire content included on this Website, including without limitation all information, text, materials, graphics, software, tools, results derived from the use of software and tools, advertisements, names, logos and trademarks on the Website ("Content") are the property of TWA and are protected by copyright, trade mark and other intellectual property laws unless expressly indicated otherwise on the Website.

You must not modify, copy, reproduce, republish, frame, download onto a computer, upload to a third party, post, transmit or distribute this Content in any way except as expressly provided for in these General Conditions or with the express prior written consent of TWA.

TWA consents to the use of such tools for Content made available on the Website for personal and educational purposes and not commercial purposes.

You must not use any spider, screen scraper, robot, or other automated similar software or device ("Prohibited Device") to use or access the Website in any way whatsoever, nor can you use any Prohibited Device (or any similar process) to copy, download or monitor the Content, without TWA’s prior written approval. Search engines may access and index content on the Website provided that they obey the Robots Exclusion Standard and exclude documents with METATAG markings designed to preclude access including indexing, archiving or caching. Specific technical queries about search engine use should be emailed to TWA.

TWA will vigorously pursue any breach of its copyright.

You acknowledge and agree that you are permitted to review, print and make one copy for your personal use of the Content (and other items displayed on the Website for download), provided that you maintain all copyright and other notices contained in such Content. You shall not store any significant Content in any form.

Termination

Without prejudice to any remedy that TWA may have against you, TWA may terminate or suspend with immediate effect and without notice your access to and use of this Website and your membership if it:

• reasonably believes that you have breached any of these Terms and Conditions;
• is unable to verify the accuracy or validity of any information provided by you;
• or suspects fraudulent, abusive or illegal activity by you.

Should you object to any of these Terms and Conditions, or any subsequent changes to them, or become dissatisfied with this Website in any way, your only recourse is to immediately discontinue to access or use this Website.

You may cancel your membership at any time by emailing This email address is being protected from spambots. You need JavaScript enabled to view it. . Cancellation will take effect within 7 business days of receipt of your email.

Warranty Disclaimer and Limitation of Liability

TWA has no special relationship with or fiduciary duty to you. You acknowledge that TWA has no control over, and no duty to take any action regarding: which users gain access to the Services; what Content you access via the Services; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content.

You release TWA from all liability for you having acquired or not acquired Content through the Services. The Services may contain, or direct you to websites containing, information that some people may find offensive or inappropriate. The services, content, website and any software are provided on an “as is” basis, without warranties of any kind, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or that use of the services will be uninterrupted or error-free. Some states do not allow limitations on how long an implied warranty lasts, so the above limitations may not apply to you.

Amendment to these Terms and Conditions

TWA reserves the right to amend and alter these Terms and Conditions and any content or information contained on the Website at any time. In the event these Terms and Conditions are altered the Company will post the amended Terms and Conditions on this Website. Changes will apply from the date of posting.

If after the Terms and Conditions and/or the Privacy Policy have been amended or altered you do not agree to their terms, you must stop using this Website.

General

Whilst TWA will try to provide you with uninterrupted access to this Website and its Services, TWA may need to withdraw, modify, discontinue or temporarily or permanently suspend one or more aspects of this Website where TWA has a legal, technical or other good reason to do so (including technical difficulties experienced by TWA or any Internet infrastructure). However, TWA will try, wherever possible, to give reasonable notice of TWA’s intention to do so.

TWA reserves the right to withhold, remove and or discard any content available as part of your account, with or without notice if deemed by TWA to be contrary to these Terms and Conditions. TWA has no obligation to store, maintain or provide you a copy of any content that you provide when using the Services.

If TWA fails to exercise or enforce a right under the Terms and Conditions that failure shall not constitute a waiver of such right or provision.

If any provision of these Terms and Conditions is found by a court of competent jurisdiction to be invalid, that provision shall be deemed severed and the validity and enforceability of the remaining provisions shall not be affected. The parties nevertheless agree that the court should endeavour to give effect to the parties’ intentions as reflected in the provision.

These Terms and Conditions set out TWA’s entire agreement and understanding with respect to the subject matter of these Terms and Conditions and supersedes all representations, communications and prior agreements (written or oral).

Each party acknowledges that on entering into these Terms and Conditions, it does not rely, and has not relied, upon any representation (whether negligent or innocent), statement or warranty made or agreed to by any person (whether a party to these Terms and Conditions or not) except those expressly set out in these Terms and Conditions.

Unless expressly provided in the Terms and Conditions no term of them is enforceable by any person who is not a party to it.

You must report any violations of these Terms and Conditions to This email address is being protected from spambots. You need JavaScript enabled to view it..

Trademarks

The trademarks listed below unless indicated otherwise, are trademarks of TWA. Where a mark is indicated as a registered mark it is registered in Australia and may also be registered in other countries. Nothing contained on the Website should be construed as being any licence or right of use of any trademark displayed on the Website.

• Teenfinca® is a registered trademark

Indemnity

You must indemnify and hold harmless TWA and TWA Personnel and keep them indemnified, against all loss, actions, proceedings, costs, expenses (including legal fees), claims and damages arising from:

1. any breach by you of the conditions; or
2. reliance by you on any information obtained through the Website; or
3. your access to the Website or any Content; or
4. reliance upon or use of any Content by any person accessing any Content through your web site.

Not Investment Advice

The Content on the Website provides general information only. It is not intended as investment or financial planning advice and must not be relied upon as such. You should obtain professional financial and investment advice tailored to your specific circumstances prior to making any financial and investment decisions.

Some Content on the Website provides general information about certain financial products and services. The Website does not provide, and must not be construed as providing, recommendations in relation to any financial products.

Third Party Links and Advertising

The Website contains links to third party sites (“Linked Sites”). Linked Sites are not under the control of TWA, and TWA is not responsible for the content of any Linked Site or any hyperlink contained in a Linked Site (“Subsequent Link”). TWA provides these hyperlinks to you as convenience only, and the inclusion of any link does not imply any endorsement of the Linked Site by TWA or TWA Personnel. You link to any Linked Site or Subsequent Site entirely at your own risk.

The Website may also contain third party advertisements including banner ads, third party logos and information, material and documents relating to or provided by third parties ("Third Party Material"). The Third Party Material may contain embedded hyperlinks to web sites operated by third parties or their licensees or contractors (“Third Party Websites”). Neither TWA nor TWA

Personnel recommends or endorses the products or services of those third parties. In some instances, the Third Party Material will contain representations or offers by the third party which you can accept by linking to the third party’s website and executing the relevant transaction. Such offers are not made by TWA or TWA Personnel, and the third party is solely responsible to you for the delivery of any goods or services you purchase on the third party website.

Neither TWA nor TWA Personnel give any representation or warranty as to the reliability, accuracy or completeness of any Third Party Material on the Website, Third Party Websites, Linked Sites, or Subsequent Sites, nor do they accept any responsibility arising in any way (including negligence) for errors in, or omissions from such Third Party Material, Third Party Websites, Linked Sites or Subsequent Sites.

External parties may link to the home page of the Website provided that the link is a text link only which directs to the home page of [www.thewealthacademy.org.au] and the link to the Website is identified clearly as such on your site.

Any link to the TWA website must comply with these General Conditions and the link must not, in TWA's opinion deceive or mislead, nor suggest any relationship, endorsement or sponsorship between your site and the Website, nor place the link in any context which may breach any laws, including but not limited to the Competition and Consumer Act 2010 (Cth). TWA is not liable and you agree to indemnify TWA to the extent that any such conduct is found to have occurred.

The link must be made in good faith, and must not in TWA’s reasonable opinion, cause the TWA brand or any TWA trademark to be viewed in a negative or potentially negative light and the link must not defame the Website.

Under no circumstances should you copy the PDF files from the Website and place them directly on your web site.

No other linking is permitted unless it is the subject of a separate specific written agreement between you and TWA.

Governing Law

These General Conditions are governed by, construed and enforced in accordance with the laws of Queensland, Australia. Disputes arising from these General Conditions are subject to the exclusive jurisdiction of the courts in Queensland, Australia.