Agreement to use the MoneyED website (Agreement)

The content on this website has been prepared by Advice and Answers Pty Ltd ABN 63 666 229 563 (Advice & Answers). Advice & Answers is a Corporate Authorised Representative #1306837 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 Advice & Answers. The registered office of Advice & Answers and Guideway is Level 3, 91 William street, Melbourne VIC 3000, Australia.  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. Advice & Answers 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 here. 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.

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]. 

Advice & Answers 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 Advice & Answers. 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 Advice & Answers (for example, if a Course is withdrawn shortly after you purchase it). Advice & Answers 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 Advice & Answers.

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:

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Advice & Answers 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 Advice & Answers 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, Advice & Answers, 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

Advice & Answers 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

Advice & Answers 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. Advice & Answers 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.

Information handling

We comply with the Australian Privacy Principles in the Privacy Act 1988 (Cth). This Act regulates the collection, storage, quality, use and disclosure of personal information. Please refer to our privacy policy for information about:

By signing up to this website, you are agreeing to 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:

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 the MoneyED 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:

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 Advice & Answers to you. You can opt-out of targeted marketing material by emailing [email protected]. If 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.

Third Party Financial Coaches

Where your Financial Coach is not an Authorised Representative of Guideway (hereby referred to as a Third Party Coach), Advice & Answers and Guideway disclaims all liability (except for any liability which by law cannot be excluded), for any conduct, error, or omission made by the coach or another individual acting under their direct or indirect supervision. By using this website in conjunction with a Third Party Coach, you are agreeing that we are also not responsible for any loss or damage suffered by any person directly or indirectly caused by or contributed to by a Third Party Coach or another individual acting under their direct or indirect supervision. Where the Third Party Coach also provides other services (e.g. personal financial product advice, mortgage broking), neither Guideway or Advice & Answers provides warranties or representations as to the quality or the suitability of these services for you.

If you sign up to this website via your Third Party Coach affiliate link or they create an account for you, we will share the information you enter on this website with them (this includes your personal and sensitive information). The Third Party Coach will also be able to track your activity on this website for the purposes of providing you with coaching services. If you no longer want us to share information with the Third Party Coach, you can write to our Privacy Officer by emailing [email protected] or by writing a letter our registered office.

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 Advice & Answers 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.