Terms of Use

Agreement to use this website and education courses (Agreement)

The content on this website has been prepared by Olivia Lauren Fitzpatrick ABN 47 828 366 473 (“Her Money’s Worth”) Olivia is an Authorised Representative #1304756 of Guideway Financial Services Pty Ltd ("Guideway"), ABN 46 156 498 538, Australian Financial Services Licence No. 420367.

In the spirit of reconciliation Guideway acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

This website is owned and operated by Her Money’s Worth. This site is intended to be used by Australian residents only.

Site usage

Your use of this site is offered to you conditionally on your acceptance without modification of the terms, conditions, and notices contained in this Agreement. Your use of this website constitutes your agreement to all such terms, conditions, and notices. Her Money’s Worth may vary this Agreement or content on this site at any time. Your continued use of the website constitutes your acceptance of the Agreement as amended.

General Advice Warning

The information contained on this website is general in nature and does not take into account your financial situation, needs or objectives. Where information on this site constitutes the provision of general advice, you should consider whether it is appropriate for you, and where appropriate, seek professional advice from a financial adviser or other professionals where appropriate. If the information is about a particular financial product, you should also read the relevant Product Disclosure Statement and Target Market Determination prior to making a decision.

You should also read and retain a copy of our Financial Services Guide available from https://guideway.com.au/HerMoneysWorth.pdf. If you speak to a Financial Coach, Financial Planner or Mortgage Broker they will generally provide you with a copy of their Financial Services Guide or Credit Guide as well.

Any taxation, legal, Centrelink and other matters referred to on this website are of a general nature only and are based on our interpretation of laws existing at the time and should not be relied upon in place of appropriate professional advice. Those laws may change from time to time.

This website may contain certain forward-looking statements. Forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond our control. You should not place reliance on forward-looking statements or rely on this information to make financial or lifestyle decisions.

Case studies and any graphs or examples are for illustrative purposes only and are based on specific assumptions and calculations. Individual circumstances may vary and this will alter the outcome. The case study does not represent any forecast or guarantee of return.

Historical investment returns are not a reliable indicator of future returns or investment performance.

The Course is designed for educational and entertainment purposes only. It is not intended as a substitute for professional financial advice tailored to your individual circumstances.

Some content within the Course may amount to general financial product advice. General advice does not consider your personal objectives, financial situation, or needs. For this reason, the general advice within the course may not be appropriate for your situation. By enrolling in this course, you explicitly acknowledge this limitation and agree that you are responsible for considering the appropriateness of any general advice for your individual circumstances. You are also recommended to consult with qualified professionals for advice that considers your financial situation, needs and objectives.

Historical investment returns are not a reliable indicator of future returns or investment performance.

Before making any investment, it's imperative to thoroughly read the relevant disclosure documents. It's important to note that this does not apply to direct investments in stocks or shares. In Australia, for products like managed funds and ETFs, this document is known as a Product Disclosure Statement (PDS). The PDS provides vital information that you need to be aware of before investing, including details about the fees, the risks associated with the product, and the amount invested by others, which can offer insights into the product's liquidity.

Additionally, in Australia, there is a secondary document called a Target Market Determination (TMD). This document contains information regarding the suitability of the product for different investor segments. If you are considering investing in an Australian domiciled investment, the PDS and the TMD are available on the product issuer's Australian website and should be read thoroughly before making a decision. Understanding these documents is crucial to making an informed investment decision.

Risks and Warnings:

Investing involves various kinds of risks. Below is an elaboration of the types of risks you should consider:

Mismatch Risk: The risk that the investment you choose may not align with your financial goals and needs. Before investing, make sure that the asset or security is appropriate for your financial situation.

Inflation Risk: The risk that the real value of your investment may be eroded over time by inflation. In other words, your investment may not grow at or above the rate of inflation, reducing your purchasing power.

Interest Rate Risk: Changes in interest rates can affect the market value of an investment. Typically, a rise in interest rates causes the market value of existing fixed-rate investments to fall, and vice versa.

Market Risk: The risk that the overall market will decline, thereby affecting the value of individual investments irrespective of the quality or stability of any particular investment.

Market Timing Risk: The risk related to the timing of buying or selling assets. Entering or exiting the market at inopportune times can negatively affect your investment performance.

Risk of Poor Diversification: Investing heavily in a particular asset or a small group of assets can expose you to more risk compared to spreading your investments across different types of assets.

Currency Risk: If you are investing in assets denominated in a foreign currency, you risk losing money due to fluctuations in currency exchange rates.

Liquidity Risk: The risk that you may not be able to quickly sell an asset at a fair market price. Illiquid assets may require more time and/or a lower price to convert them to cash.

Credit Risk: The risk that the institution you invest with may default on its obligations, such as failing to make scheduled interest or principal payments.

Legislative Risk: The risk that a change in laws or regulations could affect an investment. This may include, but is not limited to, tax laws, corporate regulations, and government policies.

Gearing Risk: The risk associated with borrowing to invest. Gearing can magnify gains but also increases the magnitude of losses and the cost of investment.

Circle of Confidence Risk: If you have a small circle of confidence, meaning you only believe you have sufficient knowledge in a specific sector such as technology companies, your portfolio will not be well diversified. This increases concentration risk, exposing you to potential volatility and losses specific to that sector. A downturn in the technology industry, for example, could disproportionately affect your investments and result in substantial losses.

When you invest, your capital is at risk. By investing in shares and other growth assets, you confirm that you understand that the minimum investment time period for these investments is generally at least 7 years.

Payments & Refunds

All prices are listed in AUD and include Goods and Services Tax (GST). Payments are due upfront before access is granted to a program, unless an instalment option is provided. Refunds can only be made to the original payment method, and can be requested by emailing [email protected].

Her Money’s Worth may consider refund requests within 14 days of purchase on a case-by-case basis. Each request will be evaluated at the full discretion of Her Money’s Worth. Refunds will not be granted for 'change of mind' after the course has been viewed. However, refunds may be considered for extenuating circumstances or valid reasons as determined by Her Money’s Worth (for example, if a Course is withdrawn shortly after you purchase it). Her Money’s Worth reserves the right to require additional information or documentation to process the refund.

Promotional codes

Gift and promotional codes are not exchangeable for cash and can only be used to purchase content on this website. Promotional codes may have a limited validity period or usage amount, once the period expires or usage cap has been reached, the code can no longer be used. Refer to the promotion page for further information as to the terms of the code.

Intellectual property

The information and other content on this website is Advice & Answer's intellectual property. The information may not otherwise be reproduced and must not be distributed or transmitted to any other person or used in any way without the express approval of Her Money’s Worth.

Permission is granted to temporarily download one copy of the materials (information or software) on the this website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials;

• Use the materials for any commercial purpose, or for any public display (commercial or non-commercial);

• Attempt to decompile or reverse engineer any software or content contained on this website;

• Remove any copyright or other proprietary notations from the materials;

• Transfer the materials to another person or 'mirror' the materials on any other server;

• Share the materials or provide access to the materials to another person or organisation;

• Attempt to create any software or content (including by third parties under your direct or indirect control) which has features or functionality the same as or similar to the features and functionality of this website.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Her Money’s Worth at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format. Upon request, you must also provide Her Money’s Worth with proof of destruction within 7 business days.

Accuracy & Reliability of Information

Although every effort has been made to verify the accuracy of the information contained in this website, Her Money’s Worth, its officers, employees, representatives and other agents disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy in, or omission from the information contained on this website or any loss or damage suffered by any person directly or indirectly through relying on this information.

If you intend to act on any information found on this website you should confirm the accuracy of this information with Government bodies such as the Australian Taxation Office, or through other resources such as a financial adviser or your superannuation fund. You should also research the area further, and consider obtaining professional advice from a legal, financial, tax agent or other duly qualified professional.

Links to Other Sites

Her Money’s Worth is not responsible for the content of any site owned by a third party that may be linked to this website, whether such a link is provided by us or by a third party. These links are provided as a courtesy service and no judgement or warranty is made by us concerning the suitability, accuracy or timeliness of the content of any site that may be linked to. By providing access to other websites, we are not recommending or endorsing any brand, products or services offered by the organisation sponsoring or owning the linked website.

Inactivity and account suspension

If you are inactive for more than 30 days on this website then we reserve the right to remove or delete your account. For paid accounts, this applies to 30 days of inactivity past the end of your paid program or subscription. For free accounts, this applies to 30 days of inactivity past your last login. You can sign up again, but you may lose access to any data or history that you shared in past logins.

Availability and Disruption

Her Money’s Worth does not guarantee that the Courses or any associated content will always be available or be uninterrupted. Access to the Courses is permitted on a temporary basis and may be suspended, withdrawn, discontinued, or changed without notice due to various reasons, including but not limited to technological issues, maintenance, or updates. Her Money’s Worth will not be liable to you or to any third party for any unavailability, modification, suspension, or withdrawal of the Courses, or any features, parts or content of the Courses.

Privacy Collection Statement (Guideway)

We collect personal information from you to provide financial advice or credit assistance and related services. We may also collect your personal information from third parties, such as from our Authorised Representatives and Credit Representatives, product issuers (e.g., super funds), insurers, platform operators, your professional advisers, health professionals (with your consent), and government agencies (including Services Australia, if you authorise us to act on your behalf).

The purposes for which we collect your personal information include to:

· deliver our main financial advice and credit services;

· verify your identity and comply with related legal obligations (including anti-money laundering requirements);

· assist with applications to superannuation funds, product issuers, insurers, lenders and Government agencies;

· arrange services through external providers and partners;

· meet our compliance, record-keeping, training and other similar legal obligations.

Depending on the service provided, we may disclose your personal information to:

· people you authorise to act on your behalf, such as your financial adviser, solicitor, accountant, executor, administrator, trustee, guardian or attorney;

· financial product and service providers, including super funds, platform operators, insurers, lenders, credit providers, financial planning software providers and paraplanners;

· cloud and technology service providers (including Microsoft Azure, which may provide AI and data processing services to us)

· our Authorised Representatives and Credit Representatives we authorise;

· medical practitioners and health service providers, where required for insurance or related advice;

· companies involved in the payments system, including financial institutions, merchants and payment processors;

· organisations engaged to support our business functions, such as auditors, compliance consultants, IT service providers, data storage providers, and marketing and communications providers;

· our professional advisers (such as solicitors and insurers), courts, tribunals and dispute resolution bodies;

· credit reporting bodies and lenders;

· other organisations that provide products or services in partnership with us, so they can provide services to you or contact you on our behalf; and

· regulators, Government agencies, law enforcement bodies and other parties to whom disclosure is required or authorised by law (including both Australian and overseas authorities, where applicable).

Some of our service providers are located overseas, and may store and/or process your personal information in a jurisdiction outside of Australia (which means we are likely to disclose your personal information overseas, including in particular to our service providers in the United States and Singapore).

If we record interactions with you (such as phone or video calls), we may use technology, including artificial intelligence tools, to generate transcripts and summaries for compliance and record-keeping purposes. These records form part of your client file. Please let us know if you do not wish for an interaction to be recorded.

Generally speaking, there is no legal requirement for you to provide us with your personal information. However, if you don't do so, we may not be able to provide you with some of our services. In addition (and more specifically), you are not required by law to provide your Tax File Number (TFN) or identification information (such as driver licence or passport) to us. However, if you choose not to provide these details, additional tax may be withheld from your superannuation benefits (if you also withhold your TFN from your superannuation fund), and in some cases we may be unable to provide certain financial or credit services.

Guideway’s full Privacy Policy is available at https://guideway.com.au/privacy or by contacting us. It sets out in more detail how we collect, hold, use and disclose personal information, how you can access or correct your information, how long we keep records, how we protect your information, and how to make a complaint.

By engaging our services, you consent to us collecting, using and disclosing your personal information (including sensitive information such as health information, and your Tax File Number and identification information where relevant) as described in this document and in our Privacy Policy.

Collection of statistical information

We collect information, without identifying factors, for statistical and research purposes, and to help improve our tools. This information can include:

• user's server address

• top level domain name (for example, .com or .gov etc.)

• date and time of the visit

• pages accessed and documents downloaded

• responses to questions

• items added to lists

• previous site visited

• type of browser used

When preparing aggregate statistical information we may include your visit to a particular calculator or page.

Cookies

Cookies are text files that are downloaded to your computer or mobile device when you access a website. As you browse, cookies gather and store some information about the way you use that website.

Cookies allow the website to recognise your device each time you visit, providing you with a better experience because the site learns your preferences as you browse. Some types of cookies also perform essential functions to enhance how the site works. The following outlines the different types of Cookies we may use.

Session cookies

Session cookies allow websites to track your movements from page to page and are used for a number of reasons, such as remembering items in a shopping cart. These cookies are usually erased when you close your web browser.

First and third party cookies

First party cookies are set by the website you’re browsing. Third party cookies come from other websites or servers, for functions such as advertising pop-ups or banners on the page you’re viewing.

Functional cookies

Functional cookies can be either session or persistent cookies, and can be delivered by a first or third party. They remember information such as usernames or language settings and may allow the site to display important alerts. These cookies aren’t considered necessary, and can be blocked by the user, although this may impact how the site functions. In some instances, functional cookies are used by this website to provide customers applying from certain pages special offers.

Persistent cookies

Persistent cookies are stored on your computer or mobile device between browser sessions for a pre-defined amount of time. These allow the site to remember user information or settings across the site, or in some cases across different websites. They also enable targeted advertising.

Necessary cookies

Necessary cookies are either session or persistent cookies, and can be delivered by a first or third party. These cookies perform functions such as keeping your site visit secure and remembering you between pages, for example when you navigate from page to page after you login. Access to certain parts of this website depends on these types of cookies.

Tracking and social cookies

These cookies can be either session or persistent cookies, and are delivered by a first or third party. They’re not essential for the function of the website, but may improve experience by providing content relevant to you and your interests.

We use a combination of the cookies listed depending on which parts of our sites you visit and what you’re trying to do. In some circumstance, some cookies can assist with protecting your personal information. You can control how cookies are used on your computer or device by changing your browser settings.

From time to time our web pages contain special offers and we may use cookies to provide customers with these offers. This requires you to have cookies enabled to ensure these cookies are stored on your computer when applying.

Google analytics

We use Google Analytics (including the Advertising Features), which are web analysis services provided by Google Inc. ('Google').

Reports obtained from Google Analytics are used to improve the efficiency and usability of this website. They do not contain user identifiable information. Google Analytics uses cookies to help analyse how users interact with this site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. The Advertising Features is a function within Google Analytics to get more advanced information about our users, including:

• user demographics

• user interests

• frequency of visits

For more information on how Google uses the data collected, visit Google's Privacy Policy and Google Analytics Terms of Service. To opt-out and prevent your data from being collected by Google Analytics, you can download Google's opt out add-on.

We may also use other analytics platforms from time to time. If the alternative platform uses your information in a manner inconsistent with Google (for example, stores your data in a location other than the United States or Australia), we will update this Agreement to advise you of this.

Addons, Apps and Connections

Some content on this site uses tools, software and content produced by third parties. In some cases, your personal information is shared with these third parties to assist you with completing the module, responding to a survey, to enhance your learning experience or to assist us with marketing courses and other services provided by Her Money’s Worth to you. You can opt-out of targeted marketing material by emailing [email protected] you do not wish for your information to be shared with third parties, do not use their software, addons and/or content found within this site. This includes features/content such as click to chat (chat box), Typeform (e.g. fact find, risk profile questionnaire), Whatsapp messenger, and Facebook Messenger.

Severance

If any clause or sub-clause of this Agreement is found to be invalid by a court of competent jurisdiction, it will continue to operate but be read down to the extent necessary to be valid. If it is found not to be possible to read down the clause or sub-clause, it will be severed from the Agreement and the remainder of this Agreement will continue to operate with full force and effect.

Electronic Disclosure

You consent to Her Money’s Worth and Guideway providing you with disclosure documents such as a Financial Service Guide in electronic form, for example – as a hyperlink in an email or via hyperlink on this website. You can opt out of this communication method at any time by contacting Guideway by emailing [email protected]. If you opt out of electronic disclosures, you will be provided with disclosure documents in hardcopy form as an email attachment or posted to your address last known to us.

Governing Law

These Terms and Conditions are governed by the laws of Victoria, Australia, to the extent permitted by law. Any dispute arising out of or relating to these terms shall be subject to the jurisdiction of the Australian courts. This applies regardless of the Participant's place of residence, except where local laws explicitly require otherwise.

For clients outside Australia & non-Australian residents: Her Money’s Worth is not licensed or authorised to provide financial product advice or investment advice in jurisdictions other than Australia. The content of this course may not align with financial regulatory requirements in other countries and should not be considered as financial or investment advice.