Terms of service.

These terms govern your access to and use of the Now What platform at [DOMAIN — TODO: Rachel] (the “platform”), operated by [BUSINESS ENTITY NAME — TODO: Rachel] (ABN [ABN — TODO: Rachel]) (“we”, “us”, “our”). By creating an account, accessing free content, or purchasing a paid course or subscription, you agree to these terms and to our Privacy Policy.

If you do not agree to these terms, do not use the platform.

You must be at least 18 years old to create an account or purchase paid content. By using the platform you confirm that you meet this age requirement and that the information you provide is accurate and current.

• You are responsible for keeping your password secure.
• You are responsible for any activity that happens under your account.
• You agree not to share your account with another person, or transfer it to someone else.
• You must let us know promptly if you suspect unauthorised use of your account.
• You may close your account at any time from your profile or by emailing us.

The 13 free topic checklists, the partner directory, the resources page, and the podcast are free to view for any visitor, no account required.

You may view, share, and link to this content for personal, non-commercial use. You may not copy, republish, on-sell, or use it to train any machine-learning or AI system without our prior written permission.

Paid courses are accessed in one of two ways:

• Monthly subscription: recurring access to all paid courses. The subscription renews automatically each month on the same date until you cancel. You can cancel at any time from your account; access continues until the end of the current billing period.
• Single-course purchase: a one-time payment for one specific course. You retain access to that course for as long as your account remains active.

5.1 Prices and GST

All prices are in Australian dollars (AUD) and include GSTwhere applicable. The price shown at checkout is the price you pay. We may change prices for new purchases or future subscription renewal periods; we will give existing subscribers at least 30 days’ notice of any price change.

5.2 Billing and renewals

Subscriptions are billed in advance for each monthly period. If a payment fails, we may retry the charge and may suspend access until payment succeeds. After a reasonable grace period we may cancel the subscription. You authorise us (through our payment processor, Stripe) to charge the payment method you provide for each renewal until you cancel.

5.3 Refunds and your consumer rights

Our courses come with consumer guarantees that cannot be excluded under the Australian Consumer Law (ACL). If a course is faulty, not as described, or otherwise does not meet a consumer guarantee, you are entitled to a refund, replacement, or other remedy under the ACL.

Outside the ACL guarantees:

• Subscriptions: we do not offer refunds for the current or any prior billing period if you simply change your mind. You can cancel at any time to prevent the next renewal.
• Single-course purchases: because course content is delivered immediately and digitally, we generally do not offer change-of-mind refunds once you have accessed any module of the course. If you have not accessed any module, contact us within 14 days of purchase and we will refund you in full.

Nothing in this section limits any non-excludable right or remedy you have under the ACL.

5.4 Cancelling a subscription

You can cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period. You keep access to paid courses until then, and you will not be charged again.

You agree not to:

• Use the platform in any way that breaks Australian law or the law of another country that applies to you.
• Copy, scrape, redistribute, on-sell, or commercially exploit any paid course content, including by sharing your login.
• Use the platform’s content to train, fine-tune, or build a dataset for any AI or machine-learning model.
• Attempt to bypass security, access another user’s account, or interfere with how the platform operates.
• Post or transmit content (in comments, contact messages, or elsewhere) that is unlawful, harassing, defamatory, deceptive, or infringes someone else’s rights.

We may suspend or terminate accounts that breach these terms, without notice if the breach is serious.

The content on this platform is general information for educational and reflective purposes. It is not:

• Legal advice;
• Financial or investment advice;
• Medical, psychological, psychiatric, or counselling advice; or
• A substitute for professional support tailored to you.

You should obtain your own professional advice before acting on anything you read here. Your situation is specific to you, and what works for one person may not work for another.

If you are in immediate danger, call 000. For family violence support, call 1800RESPECT (1800 737 732). For 24/7 crisis support, call Lifeline (13 11 14).

The platform’s partner directory lists independent professionals and businesses, including lawyers, brokers, financial advisers, and partner organisations. They are not employed by, or under the control of, Now What.

We list these professionals because we think they may be helpful, but we do not guarantee any outcome or quality of service, and we are not responsible for the advice they give or the services they provide. You should do your own due diligence before engaging any of them. Any agreement, fee, or relationship is between you and them directly.

Some directory listings offer special arrangements (for example, a free first consultation) to platform readers. The terms of those arrangements are between you and the listed professional.

All content on the platform (including text, images, audio, video, designs, logos, brand marks, and the underlying code) is owned by [BUSINESS ENTITY NAME — TODO: Rachel] or licensed to us, and is protected by Australian and international intellectual-property laws.

When you purchase a paid course or subscribe, we grant you a personal, non-exclusive, non-transferable, revocable licence to access and view the course content for your own personal use, during your access period. This licence does not include the right to copy, republish, or redistribute the content.

If you send us feedback, suggestions, or content (for example, through the contact form), you grant us a non-exclusive, royalty-free, worldwide licence to use, copy, modify, and incorporate that content into the platform without compensation. You confirm you have the right to grant this licence.

Journal-prompt and worksheet entries you write inside a paid course are saved only in your browser. We do not see, store, or access them.

The platform relies on services provided by Supabase, Vercel, Stripe, and our analytics providers. Their terms and privacy practices also apply to the parts of the platform that they operate. We are not responsible for the acts or omissions of these third parties beyond what the law requires.

We may link to third-party websites (for example, in the partner directory or the resources page). Those sites are not under our control and we are not responsible for their content or privacy practices.

Nothing in these terms excludes, restricts, or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot be lawfully excluded. The limitations in this clause apply only to the extent permitted by law.

To the maximum extent permitted by law:

• The platform and its content are provided “as is” and we make no representations or warranties about availability, accuracy, completeness, or fitness for any particular purpose.
• We are not liable to you for any indirect, incidental, special, consequential, or punitive damages, loss of profits, loss of data, or loss of business arising out of your use of the platform.
• Our total liability to you in connection with the platform, whether in contract, negligence, or otherwise, is capped at the greater of (a) the total amount you have paid us in the 12 months before the event giving rise to the claim, and (b) AUD 100.
• Where the ACL implies a guarantee that cannot be excluded, our liability for breach of that guarantee (other than a major failure) is limited, at our option, to re-supplying the service or paying the cost of re-supply.

You agree to indemnify us against any loss, cost, or claim arising from your breach of these terms or your unlawful use of the platform, except to the extent caused by our own breach or negligence.

You can stop using the platform at any time and delete your account from your profile.

We may suspend or terminate your access if you breach these terms, fail to pay, or use the platform in a way that harms other users or us. Where reasonable we will give you notice and a chance to fix the issue first.

Clauses that by their nature should survive termination (including intellectual property, limitations of liability, indemnity, and governing law) survive.

Our handling of your personal information is set out in our Privacy Policy, which forms part of these terms.

These terms are governed by the laws of [STATE — TODO: Rachel, likely Victoria], Australia. You and we submit to the non-exclusive jurisdiction of the courts of that state and the federal courts of Australia.

We may update these terms from time to time. For material changes (for example, to refund policy, pricing, or limitation of liability), we will notify account holders by email and post a notice on the site at least 30 days before the change takes effect. Your continued use of the platform after that date means you accept the updated terms.

Questions about these terms? Email hello@nowwhatpodcast.com.au or write to [POSTAL ADDRESS — TODO: Rachel].