Terms and Conditions

Anyone participating in any strategy sessions, coaching, classes or events hosted or organised by Pivot Wealth must agree to these terms and conditions.

1.) MO MONEY, LESS PROBLEMS STRATEGY SESSIONS AND COACHING SESSIONS

• These sessions are run at 4pm AEST Monday-Thursday afternoons, with exceptions via arrangement only
• These sessions normally book out 2-6 weeks in advance, so this is our standard waiting time for new sessions booked
• Once your payment is confirmed you will receive a link via email to our online calendar to book your preferred date/time
• Because we we have a limited number of timeslots available each week, we're unable to reschedule sessions at short notice. Whilst we know that reasons for cancelling can and do pop up, we also need to avoid this situation as much as possible out of respect for others who are waiting to schedule an appointment with us. As a result, any meetings cancelled or rescheduled within two weeks of our scheduled time will incur a fee of $240
• Unfortunately we do not issue refunds for these sessions so please choose carefully

If you have any questions about these sessions, please email hello@pivotwealth.com.au and we will be happy to help.

2.) LIABILITY WAIVER
• Any damage, loss or theft incurred to personal property brought into the Pivot Wealth business premises.
• Any physical injuries sustained as a result of participating in any class or event organised by Pivot Wealth.
• Any financial impact caused by acting on the general information provided through the Pivot Wealth educational workshops or online training without taking fully personalised financial advice

I agree to take on full responsibility for any damages, injuries and for physical and/or personal property, which I might incur whilst participating in classes and/or events organised by Pivot Wealth.

3.) PHOTO & VIDEO
I agree to give Pivot Wealth unrestricted publishing rights for any photographs or videos taken at Pivot Wealth classes and events or on Pivot Wealth’s premises. (Don’t worry, we’ll only these use to show others how much of a rad time you’re having through social media, newsletters, blogs, website and general Pivot Wealth promo material)

4.) WORKSHOP REFUNDS/TRANSFERS
For Pivot Wealth workshops you can transfer your ticket to another class provided:
• You provide 72 hours notice in writing;
• there are spaces available;

Unfortunately we do not issue refunds for courses so please choose carefully. We do know life happens so we can transfer you to another course with 72 hours prior notice in writing. If you miss this window, earn some extra karma points and give your ticket to one of your buddies. The tickets are fully transferable. Email hello@pivotwealth.com.au to organise a transfer.

5.) CANCELLATIONS
We’ll do our best to run all scheduled classes, however, let’s face it… sometimes shit happens! Most of our classes must have a minimum of 5 participants before we can put them on. In the event that a class is cancelled, students will be notified via email and entitled to a full refund or credit.

6.) YOUR DETAILS
We hate SPAM and promise to keep your email safe. By providing your email address you agree to join our mailing list. You can unsubscribe at any time by sending us a message through our contact page.

IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT THROUGH THE CONTACT TAB BELOW OR VIA hello@pivotwealth.com.au

7.) SAVE MORE AND SPEND BETTER ONLINE TRAINING

Please READ carefully. By purchasing this product you (herein referred to as "Client") agree to follow the terms listed on this page.

Pivot Wealth Pty Ltd (referred to as “Pivot Wealth”, “Pivot”, or “Company” agrees to provide the program “Save More and Spend Better” (referred to as the “Program”) identified in the eway shopping cart. Client agrees to abide by all policies and procedures as outlined in this agreement as a condition of their participation in the Program.

Client understands Ben Nash (herein referred to as "Consultant") and Pivot Wealth, is not an adviser, employee, agent, lawyer, financial analyst, or accountant of the client.

7.1.) FEES

The fee for Save More and Spend Better are the following options: 1 payment of $297 (due today), four weekly payments of $99. If you select the 4 weekly payments, you will pay the first installment today, and $99 each week for an additional 3 weeks from the date of purchase, for a total payment of $396. If you choose to pick this option, you are responsible for all four payments unless a refund is requested according to the terms further outlined below. Please note that if you choose the four payment option, Ben Nash and Pivot Wealth retain the right to suspend access to any program if payments are not made as they are due. Further, if at any time if there is a past due payment, access to the program will be temporarily restricted until the account is in current financial standing. Each invoice only indicates the payment and balance due for the current week listed on that individual invoice, and does not reflect the ongoing or remaining balance for the account. Should you have any account questions you can email savemore@pivotwealth.com.au at any time. If Client elects to pay by monthly instalments, Client authorises the Company to charge Client’s credit card or debit card. If Client elects to pay in FULL, Client may pay by credit card or debit card.

7.2.) SMSB REFUND POLICY

We want you to be satisfied with your purchase but we also want you to give your best effort to apply all of the strategies in the course. We offer a 60-day refund period for purchases. However, in order to qualify for a refund you must submit proof that you did the work in the course and it did not work for you. Please note, if you select the 4 payment option we are not able to stop payments without a refund request being submitted.

In the event that you decide your purchase was not the right decision, within 60 days of enrolment, contact our support team at savemore@pivotwealth.com.au and let us know you’d like a refund by the 60th day at 11:59 AEST. You must include your coursework with your request for a refund. If you request a refund and do not include your coursework by the 60th day, you will not be granted a refund.

The work that you need to submit with your request for a refund includes ALL of the following items:

We will NOT provide refunds more than 60 days following the date of purchase. After day 60, all payments are non-refundable and you are responsible for full payment of the fees for the program regardless if you complete the program.

Please note: If you opted for a payment plan and you do not request a refund within 60 days, with the required coursework at the time of your refund request, you are required by law to complete the remaining payments of your payment plan.

All refunds are discretionary as determined by Pivot Wealth Pty Ltd. 

If you have any questions or problems, please let us know by contacting our support team directly. The support desk can be reached at: savemore@pivotwealth.com.au

7.3.) CONFIDENTIALITY

The Company respects Client’s privacy and insists that Client respects the Company’s and Program Participants (herein referred to as "Participants"). Thus, consider this a mutual non-disclosure agreement. Any Confidential Information shared by Program participants or any representative of the Company is confidential, Proprietary, and belongs solely and exclusively to the Participant who discloses it. Parties agree not to disclose, reveal or make use of any Confidential Information or any transactions, during discussions, on the forum or otherwise. Client agrees not to use such confidential information in any manner other than in discussion with other Participants during Program. Participants agree to be contacted through the methods and details provided at the time of registration on matters regarding, but not limited to: program details, new offers, balances due and collections; unless otherwise requested by the consumer. Confidential Information includes, but is not limited to, information disclosed in connection with this Agreement, and shall not include information rightfully obtained from a third party. Both Parties will keep Confidential Information in strictest confidence and shall use the best efforts to safeguard the Confidential Information and to protect it against disclosure, misuse, espionage, loss and theft. Client agrees not to violate the Company’s publicity or privacy rights. Furthermore Client will NOT reveal any information to a third party obtained in connection with this Agreement or Company’s direct or indirect dealings with Client including but not limited to; names, email addresses, third-party company titles or positions, phone numbers or addresses. Additionally, Consultant will not, at any time, either directly or indirectly, disclose confidential information to any third party. Further, by purchasing this product you agree that if you violate or display any likelihood of violating this session the Company and/or the other Program participant(s) will be entitled to injunctive relief to prohibit any such violations to protect against the harm of such violations.

7.4.) NO TRANSFER OF INTELLECTUAL PROPERTY

Pivot Wealth’s program is copyrighted and original materials that have been provided to Client are for Client’s individual use only and a single-user license. Client is not authorized to use any of Company’s intellectual property for Client’s business purposes. All intellectual property, including Company’s copyrighted program and/or course materials, shall remain the sole property of the Pivot Wealth. No license to sell or distribute Company’s materials is granted or implied. By purchasing this product, Client agrees (1) not to infringe any copyright, patent, trademark, trade secret, or other intellectual property rights, (2) that any Confidential Information shared by the Company is confidential and proprietary, and belongs solely and exclusively to the Company, (3) Client agrees not to disclose such information to any other person or use it in any manner other than in discussion with the Company. Further, by purchasing this product, Client agrees that if Client violates, or displays any likelihood of violating, any of Client’s agreements contained in this paragraph, the Company will be entitled to injunctive relief to prohibit any such violations and to protect against the harm of such violations.

7.5.) CLIENT RESPONSIBILITY

Program is developed for strictly educational purposes ONLY. Client accepts and agrees that Client is 100% responsible for their progress and results from the Program. Company makes no representations, warranties or guarantees verbally or in writing. Client understands that because of the nature of the program and extent of variation between different individual’s personal circumstances, the results experienced by each client may significantly vary. Client acknowledges that as with any business endeavor, there is an inherent risk of loss of capital and there is no guarantee that Client will reach their goals as a result of participation in the Program. Program education and information is intended for a general audience and does not purport to be, nor should it be construed as, specific advice tailored to any individual. Company assumes no responsibility for errors or omissions that may appear in any program materials.

7.6.) INDEPENDENT CONTRACTOR STATUS

Nothing in this Agreement is to be construed as creating a partnership, venture alliance, or any other similar relationship. Each party shall be an independent contractor in its performance hereunder and shall retain control over its personnel and the manner in which such personnel perform hereunder. In no event shall such persons be deemed employees of the other party by virtue of participation or performance hereunder.

7.7.) SEVERABILITY/WAIVER

If any provision of this Agreement is held by to be invalid or unenforceable, the remaining provisions shall nevertheless continue in full force. The failure of either Party to exercise any right provided for herein will not be deemed a waiver of that right or any further rights hereunder.

7.8.) LIMITATION OF LIABILITY

Client agrees they used Company’s services at their own risk and that Program is only an educational service being provided. Client releases Company, its officers, employees, directors, subsidiaries, principals, agents, heirs, executors, administrators, successors, assigns, Instructors, guides, staff, Participants, and related entities any way as well as the venue where the Programs are being held (if applicable) and any of its owners, executives, agents, or staff (hereinafter "Releasees") from any and all damages that may result from any claims arising from any agreements, all actions, causes of action, contracts, claims, suits, costs, demands and damages of whatever nature or kind in law or in equity arising from my participation in the Programs. Client accepts any and all risks, foreseeable or unforeseeable. Client agrees that Company will not be held liable for any damages of any kind resulting or arising from including but not limited to; direct, indirect, incidental, special, negligent, consequential, or exemplary damages happening from the use or misuse of Company’s services or enrolment in the Program. Company assumes no responsibility for errors or omissions that may appear in any of the program materials. You also understand that any testimonials or endorsements by our customers or audience represented on our programs, websites, content, landing pages, sales pages or offerings have not been scientifically evaluated by us and the results experienced by individuals may vary significantly.

7.9.) OUR MINIMUM GUARANTEES

Unless otherwise noted, all products come with a 60 days guarantee.Longer conditional guarantees may apply, so check the sales material at the time of your order for details. If you do not understand or agree with any of these conditions, please do not order this material. If you require further clarification, please contact savemore@pivotwealth.com.au.