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Terms

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE.

By using this website, you signify your consent to these terms of use. If you do not agree to these Terms of Use, please do not use the website.

GENERAL ADVICE WARNING

By agreeing to these Terms, you acknowledge that:

  1. The information within the Content is general in nature, for educational purposes only, and has been prepared without taking into account your objectives, financial situation or needs. Any financial advice is general advice only, and not personal advice;
  2. You should, therefore, consider the appropriateness of the information, in light of your own objectives, financial situation or needs, and seek your own personal financial advice, before acting on it; and
  3. If the information relates to the acquisition, or possible acquisition, of a particular financial product, you should obtain a Product Disclosure Statement (PDS) (if required) relating to the product, and consider the PDS before making any decision about whether to acquire the product.”

PAST PERFORMANCE WARNING

By agreeing to these Terms, you acknowledge that the Content may include information relating to the past performance of an investment or a financial product, and that it is important to note that past performance is not an accurate indicator of future performance.

COMPARISONS WARNING

By agreeing to these Terms, you acknowledge that the Content may contain comparisons between different financial services providers or financial products (or types of financial products), and that any comparisons regarding:

  1. financial services providers, have not taken into account all financial service providers in the market, and do not include all features, benefits or costs that may may be relevant to you;
  2. financial products, have not taken into account all relevant financial products, or all features, benefits or risks that may be relevant to you.”

WEBSITE INFORMATION

Your access to and use of this website, as well as all related websites operated by Mel Browne Money Pty Ltd (which includes www.melissabrowne.com.au, among others) (collectively the “Site”) is subject to the following terms and conditions (“Terms of Use”) and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms of Use and acknowledge that any other agreements between you and the Site are superseded and of no force or effect:

  1. You agree that the Site itself, as well as all content, videos, training materials, products, services and/or other materials, made available on the Site by us or other third parties, as well as the look and feel of all of the foregoing, (collectively referred to as the “Content”) are maintained for your personal use and information by Mel Browne Money Pty Ltd (the “Company”) and are the property of the Company and/or its third party providers. You agree that such Company Content shall include all proprietary videos, HTML/CSS, Javascript, graphics, voice, and sound recordings, artwork, photos, documents, and text as well as all other materials included in the Site, excluding only the materials you provide. Subject to your compliance with these Terms of Use, the Company hereby grants you a limited license, which is non-exclusive, non-transferable, and non-sublicensable, to access, view, and use the Site solely for your personal purposes. No Company Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, used for public or commercial purposes, or downloaded in any way unless written permission is expressly granted by the Company. Modification of the Content or use of the Content for any other purpose is a violation of the copyright and other proprietary rights of the Company, as well as other authors who created the materials, and may be subject to monetary damages and penalties. You may not distribute, modify, transmit or use the content of the Site or any Content, including any and all software, tools, graphics and/or sound files, for public or commercial purposes without the express written permission of the Company.
  2. All Content, such as text, data, graphics files, videos and sound files, and other materials contained in the Site, are copyrighted unless otherwise noted and are the property of the Company and/or a supplier to the Company. No such materials may be used except as provided in these Terms of Use.
  3. All trade names, trademarks, and images and biographical information of people used in the Company Content and contained in the Site, are either the property of, or used with permission by, the Company. The use of Content by you is strictly prohibited unless specifically permitted by these Terms of Use. Any unauthorized use of Content may violate the copyright, trademark, and other proprietary rights of the Company and/or third parties, as well as the laws of privacy and publicity, and other regulations and statutes. Nothing contained in this Agreement or in the Site shall be construed as granting, by implication or otherwise, any license or right to use any Trademark or other proprietary information without the express written consent of the Company or third party owner. The Company respects the copyright, trademark and all other intellectual property rights of others. The Company has the right, but has no obligation, to remove content and accounts containing materials that it deems, in its sole discretion, to be unlawful, offensive, threatening, libellous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Use. If you believe that your intellectual property rights are being violated and/or that any work belonging to you has been reproduced on the Site or in any Content in any way, you may notify Company at [email protected]. Please provide your name and contact information, the nature of your work and how it is being violated, all relevant copyright and/or trademark registration information, the location/URL of the violation, and any other information you believe is relevant.
  4. While the Company uses reasonable efforts to include accurate and up-to-date information in the Site, the Company makes no warranties or representations as to its accuracy. The Company assumes no liability or responsibility for any errors or omissions in the content of the Site.
  5. When you register with the Company and/or this Site, you expressly consent to receive any notices, announcements, agreements, disclosures, reports, documents, communications concerning new products or services, or other records or correspondence from the Company. You consent to receive notices electronically by way of transmitting the notice to you by email.
  6. If you send comments or suggestions about the Site to the Company, including, but not limited to, notes, text, drawings, images, designs or computer programs, such submissions shall become, and shall remain, the sole property of the Company. No submission shall be subject to any obligation of confidence on the part of the Company. The Company shall exclusively own all rights to (including intellectual property rights thereto), and shall be entitled to unrestricted use, publication, and dissemination as to all such submissions for any purpose, commercial or otherwise without any acknowledgment or compensation to you.
  7. The Company shall use commercially reasonable efforts to restrict unauthorized access to our data and files. However no system whether or not password protected can be entirely impenetrable. You acknowledge that it may be possible for an unauthorized third party to access, view, copy, modify, or distribute the data and files you store using the Site. Use of the Site is completely at your own risk.
  8. The Company will not intentionally disclose any personally identifying information about you to third parties, except where the Company, in good faith, believes such disclosure is necessary to comply with the law or enforce these Terms of Use. By using the Site, you signify your acceptance of the Company’s Privacy Policy. If you do not agree with this Privacy Policy, in whole or part, please do not use this Site.
  9. Neither the company nor any other party involved in creating, producing, or maintaining the site and/or any content on the site shall be liable under any circumstances for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to or use of the site. Without limiting the foregoing, all content on the site is provided “as is” without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability or fitness for a particular purpose. the company does not warrant or make any representations regarding the use of the materials in the site, the results of the use of such materials, the suitability of such materials for any user’s needs or the likelihood that their use will meet any user’s expectations, or their correctness, accuracy, reliability, or correction. The company likewise does not warrant or make any representations or guarantees that you will earn any money using the site or the company’s technology or services. you accept all responsibility for evaluating your own earning potential as well as executing your own business and services. your earning potential is entirely dependent on your own products, ideas, techniques; your execution of your business plan; the time you devote to the program, ideas and techniques offered and utilized; as well as your finances, your knowledge and your skill. Since these factors differ among all individuals, the company cannot and does not warrant or make any representations or guarantees regarding your success or income level. The company does not warrant that use of the materials will be uninterrupted or error free, that defects will be corrected, or that this site, the content, and/or the materials available on this site are free from bugs or viruses or other harmful components. you assume all responsibility for the cost of all necessary repairs or corrections. The company shall not be responsible for any performance or service problems caused by any third party website or third party service provider. Any such problem shall be governed solely by the agreement between you and that provider. Please note that the applicable jurisdiction may not allow the exclusion of implied warranties. Some of the above exclusions may thus not apply to you.
  10. The company shall not be responsible for any performance or service problems caused by any third party website or third party service provider (including, for example, your web service provider service, stripe payment services, your software and/or any updates or upgrades to that software). Any such problem shall be governed solely by the agreement between you and that provider. The company reserves the right to determine, in its sole discretion, whether the company is responsible for any such malfunction or disruption. The company also reserves the right to limit your use of the site and/or the content or to terminate your account should the company determine that you have violated these terms of use, or that you have violated any other rules or conditions of the company. The company reserves the right to refuse access to the site and/or the company’s content, products and/or services to anyone in its sole discretion. The company reserves the right to determine, in its sole discretion, whether the company is responsible for any such malfunction or disruption. The company may, in its sole discretion, refund the initial fee charged for any use of the site and/or any content or a pro-rata portion thereof consistent with the company’s refund policy. The company shall refuse any refund fourteen (14) days after your payment for use of the site and/or any content, either pursuant to the company’s customer license agreement or otherwise, regardless of the reason for disruption.
  11. In no event shall the company be liable for any special, incidental, indirect, punitive, reliance or consequential damages, whether foreseeable or not, including, but not limited to, damage or loss of property, equipment, information or data, loss of profits, revenue or goodwill, cost of capital, cost of replacement services, or claims for service interruptions or transmission problems, occasioned by any defect in the site, the content, and/or related materials, the inability to use services provided hereunder or any other cause whatsoever with respect thereto, regardless of theory of liability. This limitation will apply even if the company has been advised or is aware of the possibility of such damages.
  12. You agree to indemnify and hold the Company and each of its directors, officers employees, and agents, harmless from any and all liabilities, claims, damages and expenses, including reasonable attorney’s fees, arising out of or relating to (i) your breach of this Agreement, (ii) any violation by you of law or the rights of any third party, (iii) any materials, information, works and/or other content of whatever nature or media that you post or share on or through the Site, (iv) your use of the Site or any services that the Company may provide via the Site, and (v) your conduct in connection with the Site or the services or with other users of the Site or the services. The Company reserves the right to assume the exclusive defence of any claim for which we are entitled to indemnification under this Section. In such event, you shall provide the Company with such cooperation as is reasonably requested by the Company.
  13. The provisions of these Terms of Use are for the benefit of the Company, its subsidiaries, affiliates and its third party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf.
  14. This agreement shall be governed by and construed in accordance with the laws of New South Wales, Australia, without giving effect to any principles of conflicts of law. You further submit to the exclusive jurisdiction of the state of New South Wales. If any of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.
  15. These Terms of Use may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms of Use to which you are bound.

EVENTS

These Terms and Conditions (Terms) govern your purchase of tickets for, and attendance at, the event you have paid for (Event). It is your responsibility to review these Terms prior to the purchase of any tickets. By purchasing tickets, you agree to be bound by these Terms. We reserve the right to amend these Terms at any time and will provide the most recent version on our website which can be found at https://www.melissabrowne.com.au (Website).

In these Terms the words you or your mean the purchaser of the event and we, us or our refer to Mel Browne Money Pty Ltd [ABN 75 143 850 864].

TICKET PURCHASE

Tickets may be purchased online and will be open to members and the general public, on a first come, first serve basis. Tickets may be purchased through a third party ticketing platform (e.g. Humantix or Kajabi) and may be subject to third party terms and conditions of the platform on which we list the ticket.

We reserve the right to decline your application to attend the Event at our absolute discretion. In purchasing a ticket, you agree that:

  1. a) your booking at the Event is confirmed once you have received an email notification and receipt from us or via a third party platform used by us;
  2. b) entry to the Event will be permitted on presentation of your ticket or booking confirmation;
  3. c) the Price covers all of the Inclusions, any further requirements not set out under the Inclusions may be at an additional cost;
  4. d) you must pay the Price (including GST) for your ticket booking and any credit card surcharge or administration fees as specified on our Website and in accordance with the Payment Terms;
  5. e) ticket prices may be subject to change and we will use reasonable commercial endeavours to inform you of any changes;
  6. f) if you pay the Price under any agreed instalment plan we offer, all payments in the instalment plan must be made on time. If any scheduled payment is over 5 business days late (Due Date), you will forfeit your place at the Event and any proportion of the Price you have paid prior to the Due Date.

REFUNDS, CREDITS AND TRANSFERS

If you cancel your tickets with at least 14 days’ notice (Cancellation Notice Period), we will give you a full refund of your ticket price through our ticket booking platform.

No exchange, credit or refund will be given for any cancellations that are not made within the Cancellation Notice Period. No refund or credit will be provided if you did not enjoy the Event, arrive late, or are unable to attend the Event. Tickets are non-transferrable.

EVENT CANCELLATION, RESCHEDULING OR POSTPONEMENT

If the Event is cancelled, rescheduled or postponed (including if it is cancelled, rescheduled or postponed) then this clause will apply.

If the Event is postponed, you may notify us in writing no later than 14 days after the originally scheduled Event Date to obtain credit or a refund for the ticket price to put towards another one of our Events that occurs within 12 months of the originally scheduled date of the postponed Event (Refund Request). If we do not receive a Refund Request, your ticket will be automatically transferred to the new date for the postponed Event.

If the Event is cancelled due to a Force Majeure Event you will receive either a credit of the ticket price to put towards another one of our Events or a refund, at our absolute discretion.

If the Event is cancelled for any reason other than a Force Majeure Event, you may notify us in writing no later than 14 days after the original scheduled Event Date to obtain a refund of the ticket price. If you fail to request a refund, you will receive credit for the ticket price 14 days after the scheduled date of the event to put towards another one of our Events, and no further refunds will be issued.

We will use reasonable commercial endeavours to notify you of any cancellations, rescheduling or postponements of the Event through email, however it is your responsibility to ascertain whether an Event has been cancelled, rescheduled or postponed. We do not guarantee that you will be notified of the cancellation, variation, rescheduling or postponement before the date of the Event.

Any refund or credit issued to you under this clause will be your sole remedy for a postponement or cancellation of the Event and we will have no further liability to you in respect of any cancellation, rescheduling or postponement of an Event for any reason. If you require travel insurance or other insurance, you are responsible for obtaining this, noting that the Event ticket does not cover any such insurance.

For the purposes of this clause, a Force Majeure Event includes any act of god, terrorism, war, civil unrest, strike or labour dispute, lack of transportation, breakdown, labour or material shortage, blockade or embargo, supplier failure, epidemic or pandemic, government restriction or recommendation, extreme weather, earthquake, drought, fire, flood, explosion, natural disaster and/ or any other event, cause or circumstance beyond our control.

VARIATION OF EVENT

We reserve the right to vary the Event if required. Variations are made at our sole discretion and may include:

  1. a) moving the Event so that it will take place on an online platform (such as Zoom) instead of in-person;
  2. b) amending the schedule or format of the Event, including cancelling networking sessions;
  3. c) replacing planned speakers they are unable to attend; and
  4. d) any other variations that we feel is necessary to allow the Event to still occur

If the Event is varied in accordance with this clause, no refund or credit will be provided under these circumstances. We will use reasonable commercial endeavours to notify you as soon as reasonably possible of the variation details and specifications if this is to occur.

EVENT CONDUCT

During the Event, you agree to behave in a professional and appropriate manner.

You acknowledge and agree that cameras, audio and video recorders may not be permitted at certain Events and hereby permit us to film you and use that footage in our social media and any promotional material.

We reserve the right to refuse entry or require you to leave the Event if your behaviour is deemed unacceptable at our absolute discretion.

PHOTOGRAPHY AND RECORDING

We may take photographs (Photographs) and recordings (Recordings) at the Event. You agree that:

  1. a) accepting these Terms means you consent to being filmed or photographed by us (or our representatives) and for us to use your name, likeness, image and/ or voice in such photographs or films for the purposes of promoting our events, services and products;
  2. b) no remuneration is payable to you for our use of such Photographs and Recordings;
  3. c) you release us from any infringement or violation of personal and or property rights of any sort based on our use of such Photographs or Recordings;
  4. d) we are not obligated to use any Photographs or Recordings; and
  5. e) you may request for us not to use a particular Photograph or Recording, however we are under no obligation to do so and any consent to your request will be at our absolute discretion.

DISCLAIMER

You agree to attend our Events on the basis that there are no outcomes guaranteed with respect to the results of our Events, including in relation to improvements in your financial literacy or your financial investments.

LIMITATION OF LIABILITY

To the maximum extent permitted by law, we are not responsible for any loss, damage, expense or liability suffered by you or any other third party and caused or alleged to be caused directly or indirectly as a result of attending the Event.

Subject to the below, any condition or warranty which would otherwise be implied in these Terms are excluded.

Our liability for breach of a guarantee conferred by the Australian Consumer Law is limited, in the case of services, to any one of the following as determined by us:

  1. a) the supplying of the services again; or
  2. b) the payment of the cost of having the services supplied again.

If there is a problem with the Event or our services caused by a breach of these Terms by us (Omission), and you have notified us within 24 hours, then to the maximum extent permitted by law our liability arising from, or in connection with, the Omission will be limited to the face value of the ticket purchased by you.

ENTIRE AGREEMENT

These Terms contain the entire understanding and agreement between us in respect of its subject matter.

SEVERANCE

If any provision of these Terms are held to be void, invalid, illegal or unenforceable, that provision is to be read down as narrowly as necessary to allow it to be valid or enforceable, failing which, that provision (or that part of that provision) will be severed from these Terms without affecting the validity or enforceability of the remainder of that provision or the other provisions in this Terms.

JURISDICTION

These Terms are governed by the laws of the State of Australia that the Event is held in, where any such event is virtual it will be governed by the laws of New South Wales.

 

Last Updated: 12 August 2025