Terms and Conditions

These Terms and Conditions govern your purchase and use of digital products from Clare & Co Pty Ltd (ABN 19 670 595 276), trading as Clare McRae ("we", "us", "our"). By purchasing or accessing our digital products, you agree to these terms. Please read them carefully before you buy. If you do not agree, please do not purchase.

1What we mean by digital products

"Digital products" means any downloadable or online products we sell, including but not limited to templates, guides, resources, tools, courses, memberships and other digital content. These terms apply to all of them unless we tell you otherwise in writing.

2Purchases and payment

• All prices are in Australian dollars (AUD) unless stated otherwise.
• Payment is due in full at the time of purchase, unless a payment plan is offered and agreed.
• Payments are processed by secure third-party payment providers. We do not store your full card details.
• Your order is confirmed once payment is successfully received.
• You are responsible for providing accurate details at checkout, including a valid email address for delivery.

3Access and delivery

Digital products are delivered electronically, usually by email, download link or access to an online platform, shortly after your payment is confirmed. It is your responsibility to check your inbox, including spam or junk folders, and to contact us if you do not receive access. You are responsible for having a device and internet connection capable of accessing the product.

Where a product is provided as ongoing access (such as a membership or course), we will make reasonable efforts to keep it available, but we do not guarantee uninterrupted access and may need to make changes for maintenance, improvements or reasons outside our control.

4Your licence to use the product

When you purchase a digital product, we grant you a personal, non-exclusive, non-transferable licence to use it for your own personal or business use. Unless we agree otherwise in writing, you must not:

• Copy, share, resell, sublicense or distribute the product to others.
• Share your login or access with anyone else.
• Reproduce or repackage the content as your own.
• Use the product to create a competing product.

The licence is for you (or your business) only. It does not transfer ownership of the product to you.

5Intellectual property

All content in our digital products, including text, designs, templates, graphics, branding and materials, is owned by us or our licensors and is protected by copyright and other intellectual property laws. Buying a product gives you a licence to use it under these terms, not ownership of the underlying intellectual property. Any goodwill and rights in our content remain with us.

6Refunds

Because our products are digital and are available immediately, we generally do not offer refunds for change of mind once a product has been delivered or accessed. Please choose carefully and read the product description before you buy, and contact us first if you have any questions.

This does not affect your rights under the Australian Consumer Law. Our products come with guarantees that cannot be excluded. If a product is faulty, not as described, or does not do what we said it would, you may be entitled to a repair, replacement or refund. If you believe there is a problem, contact us and we will work with you to make it right.

7No guarantee of results

Our digital products are provided for general information and educational purposes to support your business. They are not personal professional, legal, financial, tax or accounting advice, and should not be relied on as a substitute for advice from a qualified professional who knows your circumstances.

Any examples, figures or outcomes mentioned are illustrative only. Your results depend on many factors, including your own effort, market conditions and how you apply the material, so we cannot and do not guarantee any particular result, income or outcome.

8Third-party tools and links

Our products may reference or link to third-party tools, software or websites. We are not responsible for those third parties, their content, their pricing or their availability. Any use of a third-party tool is between you and that provider, and subject to their own terms.

9Limitation of liability

To the maximum extent permitted by law, and subject to the Australian Consumer Law, we are not liable for any indirect, incidental or consequential loss arising from your use of, or inability to use, our digital products. Where our liability cannot be excluded but can be limited, our liability is limited to resupplying the product or refunding the amount you paid for it. Nothing in these terms excludes any rights you have under the Australian Consumer Law.

10Prices and changes to products

We may update our prices, product range and product content from time to time. Any change will not affect a purchase you have already made. We may also update, improve or discontinue a product, and where a product is ongoing access, we will give reasonable notice of any significant change where we can.

11Suspending or ending access

We may suspend or withdraw your access to a product if you breach these terms, for example by sharing or reselling it, without a refund. We will act reasonably and, where appropriate, give you a chance to fix the issue first.

12Privacy

We handle your personal information in line with our Privacy Policy, which forms part of these terms. Please read it to understand how we collect and use your information.

13Governing law

These terms are governed by the laws of the State of Queensland, Australia, and you agree to the non-exclusive jurisdiction of the courts of that state.

14Changes to these terms

We may update these terms from time to time. The current version will always be available on our website, with the date it was last updated shown at the top. The terms that apply to your purchase are the ones in effect at the time you buy.