Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Futuree Sparkk Pty Ltd (ABN [TO BE INSERTED]) ("Company", "we", "us", "our") regarding your use of our website, courses, and services.

By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.

2. Description of Services

2.1 Educational Services

Futuree Sparkk provides online financial education courses, resources, and related services designed for Australian audiences. Our services include:

• Online financial management courses
• Educational materials and resources
• Certificates of completion
• Customer support and guidance
• Community forums and discussion groups

2.2 Educational Purpose Only

Important: Our services are for educational purposes only and do not constitute financial advice. We do not provide personal financial advice, and you should consult with qualified financial professionals for specific financial decisions.

3. Eligibility and Account Registration

3.1 Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using our services, you represent and warrant that you meet these requirements.

3.2 Account Registration

• You must provide accurate and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorised use of your account

4. Course Purchases and Payments

4.1 Course Fees

Course fees are displayed in Australian Dollars (AUD) and include GST where applicable. Prices may change at our discretion, but changes will not affect courses already purchased.

4.2 Payment Processing

• Payment is required at the time of course enrollment
• We accept major credit cards and PayPal
• Payment processing is handled by third-party providers
• You authorise us to charge your payment method for applicable fees

4.3 GST and Tax

All prices include Australian Goods and Services Tax (GST) where applicable. You are responsible for any other taxes that may apply in your jurisdiction.

5. Refunds and Cancellations

5.1 30-Day Money-Back Guarantee

We offer a 30-day money-back guarantee from the date of purchase. To request a refund:

• Contact us within 30 days of purchase
• Provide your order details and reason for refund
• Refunds will be processed to the original payment method within 5-10 business days

5.2 Refund Limitations

Refunds may be denied if:

• More than 30 days have passed since purchase
• You have completed more than 80% of a course
• You have violated these Terms of Service
• You have previously received a refund for the same course

6. Course Access and Usage

6.1 Lifetime Access

Upon successful payment, you receive lifetime access to purchased courses, including future updates and improvements to the course content.

6.2 Personal Use Only

• Course access is for your personal use only
• You may not share your login credentials with others
• You may not redistribute or resell course materials
• You may not use course content for commercial purposes without written permission

6.3 Technical Requirements

You are responsible for ensuring you have the necessary technology and internet connection to access our courses.

7. Intellectual Property

7.1 Our Content

All course materials, website content, trademarks, and intellectual property are owned by Futuree Sparkk or our licensors and are protected by Australian and international copyright laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our courses for your personal education. This license does not permit:

• Copying or distributing course materials
• Creating derivative works
• Reverse engineering or decompiling
• Removing copyright or proprietary notices

8. Prohibited Conduct

You agree not to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful code or malware
• Attempt to gain unauthorised access to our systems
• Harass or abuse other users or our staff
• Use our services for illegal or fraudulent purposes
• Spam or send unsolicited communications
• Impersonate others or provide false information

9. Disclaimers and Limitations

9.1 Educational Content Disclaimer

9.2 No Guarantees

While we strive to provide high-quality education, we cannot guarantee specific financial outcomes or results from using our courses.

9.3 Service Availability

We aim to provide continuous service access but cannot guarantee uninterrupted availability due to maintenance, technical issues, or circumstances beyond our control.

10. Limitation of Liability

To the maximum extent permitted by Australian law:

• Our liability is limited to the fees you paid for the specific course
• We are not liable for indirect, incidental, or consequential damages
• We are not responsible for financial losses from applying course concepts
• Nothing in these terms excludes or limits our liability for fraud or gross negligence

Australian Consumer Law

Nothing in these Terms excludes, restricts or modifies any condition, warranty, guarantee, right or remedy which you may have under the Competition and Consumer Act 2010 (Cth) or any similar State or Territory legislation and which cannot be excluded, restricted or modified.

11. Termination

11.1 Termination by You

You may stop using our services at any time. Account closure does not entitle you to a refund unless within our refund policy terms.

11.2 Termination by Us

We may suspend or terminate your access if you:

• Violate these Terms of Service
• Engage in prohibited conduct
• Fail to pay applicable fees
• Provide false or misleading information

12. Governing Law and Disputes

12.1 Governing Law

These Terms are governed by the laws of Queensland, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Queensland.

12.2 Dispute Resolution

Before initiating formal legal proceedings, we encourage resolving disputes through:

1. Direct communication with our support team
2. Mediation through a recognised Australian mediation service
3. Arbitration if mediation is unsuccessful

13. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by:

• Posting updated Terms on our website
• Sending email notifications to registered users
• Displaying prominent notices on our platform

Continued use of our services after changes constitutes acceptance of the updated Terms.

14. Miscellaneous

14.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Futuree Sparkk regarding your use of our services.

14.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

14.3 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations to any party at our discretion.

14.4 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

15. Contact Information

If you have questions about these Terms of Service, please contact us: