Last Updated: March 30, 2025

1. Introduction

Welcome to Money Shape Up (“we,” “our,” or “us”). These Terms of Use govern your access to and use of the Money Shape Up website, including any content, functionality, and services offered on or through moneyshapeup.com (the “Website”).

Please read these Terms of Use carefully before you start using the Website. By using the Website, purchasing our courses, or utilizing our consultative services, you accept and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you must not access or use the Website.

2. Eligibility

While there are no strict age restrictions for using our services, our content is designed for individuals with an interest in financial literacy and home loan management. If you are under 18 years of age, we recommend that you use our Website under the supervision of a parent or legal guardian.

3. Account Registration

Some portions of our Website may require you to create an account. When you create an account, you must provide accurate, current, and complete information. You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account.

We reserve the right to disable any user account at any time if, in our opinion, you have failed to comply with any provision of these Terms of Use.

4. Intellectual Property Rights

The Website and its entire content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Money Shape Up, its licensors, or other providers of such material and are protected by Australian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may access, view, download, and print content from our Website for your personal, non-commercial use only, provided that you do not modify or delete any copyright, trademark, or other proprietary notices.

You must not:

Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as permitted by these Terms of Use.

Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.

Access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

5. Free and Paid Content

5.1 Free Content

Money Shape Up offers free content, including resources, templates, and videos. While this content is provided at no cost, it remains subject to these Terms of Use, and you may not reproduce, distribute, or create derivative works from this content without our express permission.

5.2 Paid Content and Services

Access to certain content, courses, and consultative services requires payment. By purchasing our paid content, you agree to pay all fees and charges associated with your purchase.

All prices are in Australian Dollars (AUD) unless otherwise specified. We reserve the right to change our prices at any time, but changes will not affect any purchases you have already made.

6. Courses and Consultative Services

6.1 No Guarantees or Warranties

Our courses and consultative services are designed to provide educational information about financial literacy and home loan management. We do not guarantee any specific results, and the information provided should not be construed as financial advice. Results may vary depending on individual circumstances, market conditions, and other factors outside our control.

6.2 Refund Policy

For our paid courses, we offer a 7-day refund policy from the date of purchase. To request a refund, you must contact us at admin@moneyshapeup.com within 7 days of your purchase. After this period, no refunds will be issued.

For consultative services, once the service has been delivered, it is not eligible for a refund.

7. User Conduct

When using our Website, including any interactive features, you agree not to:

Use the Website in any way that violates any applicable federal, state, local, or international law or regulation.

Use the Website to engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Website.

Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website.

Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.

Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent.

Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.

8. User Content

If and when our Website allows for user comments or content submission, you retain all of your ownership rights in your content. However, by posting content on our Website, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

You represent and warrant that:

You own or control all rights in and to the content you post.

All of your content is accurate and does not violate these Terms of Use.

Your content does not infringe upon or violate the rights of any third party.

We have the right to:

Remove or refuse to post any user content for any or no reason.

Take any action with respect to user content that we deem necessary or appropriate.

Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights.

9. Links to Other Websites

Our Website may contain links to third-party websites or services that are not owned or controlled by Money Shape Up. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that Money Shape Up shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

10. Disclaimer of Warranties

Your use of the Website, its content, and any services or items obtained through the Website is at your own risk. The Website, its content, and any services or items obtained through the Website are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied.

Neither Money Shape Up nor any person associated with Money Shape Up makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Website.

11. Limitation of Liability

To the fullest extent permitted by applicable law, in no event will Money Shape Up, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Website, any websites linked to it, any content on the Website or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

12. Indemnification

You agree to defend, indemnify, and hold harmless Money Shape Up, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website.

13. Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with the laws of New South Wales, Australia, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the courts of New South Wales, Australia. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

14. Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes.

15. Termination

We may terminate or suspend your access to all or part of the Website, including any account you may have, without notice, for any reason, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms of Use.

16. Entire Agreement

These Terms of Use, our Privacy Policy, and any other terms and conditions referenced herein constitute the sole and entire agreement between you and Money Shape Up regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

17. Contact Information

If you have any questions about these Terms of Use, please contact us at:

Money Shape Up

Email: admin@moneyshapeup.com

Website: https://moneyshapeup.com