Agreement to Terms
By accessing or using the flush-surge website and services, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.
Description of Services
flush-surge provides financial education programs, coaching services, and related educational content focused on personal finance fundamentals for Australian residents.
Our services are educational in nature and do not constitute financial advice. We do not provide personalized investment recommendations or manage client funds.
Educational Purpose Only
All content, materials, and information provided through our programs are for educational purposes only. They should not be construed as:
- Financial advice tailored to your specific circumstances
- Investment recommendations
- Legal or tax advice
- Guarantees of financial outcomes
You should consult with licensed professionals before making significant financial decisions.
User Responsibilities
By using our services, you agree to:
- Provide accurate and complete information during enrollment
- Maintain the confidentiality of your account credentials
- Use our services only for lawful purposes
- Not reproduce, distribute, or commercially exploit our proprietary materials without permission
- Take responsibility for your own financial decisions
Enrollment and Payment
Program Enrollment
Enrollment in our programs requires submission of accurate contact information and payment of applicable fees.
Payment Terms
All fees are listed in Australian Dollars (AUD). Payment is required before program access is granted. We accept payment via methods specified during the enrollment process.
Refund Policy
Refund requests must be submitted within 14 days of enrollment, provided you have not accessed more than 20% of the program materials. Refunds are issued at our discretion and processed within 14 business days of approval.
Intellectual Property
All content, materials, course materials, logos, and trademarks on our website and in our programs are the intellectual property of flush-surge or our licensors.
You may access and use materials for your personal, non-commercial educational purposes only. You may not:
- Reproduce or distribute our materials
- Create derivative works
- Share your account access with others
- Use our content for commercial purposes
Limitation of Liability
To the fullest extent permitted by law, flush-surge and its officers, employees, and agents shall not be liable for:
- Any financial losses resulting from decisions made based on our educational content
- Indirect, incidental, consequential, or punitive damages
- Loss of profits, data, or business opportunities
- Errors or omissions in content
Our total liability to you for any claims arising from our services shall not exceed the amount you paid for the specific program or service.
Disclaimer of Warranties
Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:
- Our services will meet your specific requirements
- Our services will be uninterrupted or error-free
- The content will be current, accurate, or complete
- Any particular financial outcome will be achieved
Indemnification
You agree to indemnify and hold harmless flush-surge, its officers, employees, and agents from any claims, damages, losses, or expenses arising from:
- Your use of our services
- Your violation of these Terms of Use
- Your violation of any third-party rights
- Financial decisions you make based on our educational content
Termination
We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for conduct that we believe:
- Violates these Terms of Use
- Is harmful to other users or our business
- Exposes us to legal liability
Governing Law
These Terms of Use are governed by the laws of Victoria, Australia. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Victoria.
Changes to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
Severability
If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and flush-surge regarding your use of our services.
Contact Information
For questions about these Terms of Use, please contact us:
Email: [email protected]
Address: Level 7, 142 Collins Street, Melbourne VIC 3000, Australia