1. Introduction

Welcome to Future Finances (“we,” “our,” or “us”). By accessing and using our website, you agree to comply with and be bound by the following terms and conditions of use. If you do not agree with these terms, please do not use this website.

2. Data Collection and Use

2.1 Data Collection: We may collect user data, including names and delivery addresses, through website contact forms, website checkout, and when users sign up for our online courses.

2.2 Data Use: The information collected is used for the sole purpose of setting up user accounts and delivering orders (if applicable).

2.3 Privacy Disclaimer: All information provided in our lessons is of a general nature and should not be considered as financial advice. For personalised financial guidance, consult with a qualified financial advisor.

3. User Accounts

3.1 Account Creation: Users must create accounts to access our financial education e-learning program.

3.2 Account Policies: Users have the freedom to create or close their accounts at any time. We do not use customer information in any way.

4. User Conduct

4.1 User Rules: There are no specific rules for user conduct. General standards of behaviour apply.

5. Security Measures

5.1 Data Security: We use industry-standard security techniques to protect user data. However, all information provided is general and not financial advice. For personalised financial guidance, consult with a qualified financial advisor.

6. Privacy Choices

6.1 Privacy Control: Users do not have options to control their privacy settings as we do not collect data. All information provided is general and not financial advice. For personalised financial guidance, consult with a qualified financial advisor.

7. Legal Compliance

7.1 Compliance: We provide general financial information. All users should seek financial advice before making any decisions. We operate in Australia and follow Australian rules and regulations.

8. Contact Information

8.1 Contact Us: For inquiries, complaints, or requests related to data and privacy, contact james@futurefinances.com.au.

9. Refund Policy

9.1 No Refunds: We do not offer refunds for the sale of the financial education program or purchase of our financial education textbook.

10. Financial Education Program

10.1 Program Nature: Our financial education program provides general financial information. All information in the program should not be considered as financial advice. For personalised financial guidance, consult with a qualified financial advisor.

11. Age Considerations

11.1 Users Under 18: Users under the age of 18 must have parental consent to access our services and the financial education program.

12. Financial Tools and Blog

12.1 Financial Tools: Users of our financial calculators and tools must seek financial advice before making any decisions. These tools are for informational purposes and can be inaccurate.

12.2 Blog Disclaimer: The information provided in our blog called “Financial Strategy Insights” is general in nature and should not be considered as financial advice. For personalised financial guidance, consult with a qualified financial advisor.

13. Changes to Terms

13.1 Changes: These terms may be revised from time to time. We will post updates on this page. Users are encouraged to periodically check for updates.

14. Governing Law

14.1 Jurisdiction: These terms are governed by the laws of Australia. All disputes are subject to the jurisdiction of Australian courts.

15. Contact

15.1 Contact Information: For questions or concerns about these terms, contact james@futurefinances.com.au.

Effective Date: 29/10/2023