Terms & Conditions
Last updated: 1 September 2026
These Terms & Conditions apply to your use of the Life Beyond Debts website and related resources, content and services. By using the website, you agree to these terms. If you do not agree, please do not use the website.
1. Educational Information
Life Beyond Debts provides general educational information, resources and personal perspectives about debt, financial wellbeing and related topics. The content is not personalised financial advice, legal advice, tax advice, credit advice or other professional advice.
2. Your Responsibility
You are responsible for considering your own circumstances and obtaining appropriately qualified professional advice before making decisions that require it. Do not rely on website content as the sole basis for a financial, legal, tax, credit or other significant decision.
3. Website Content
We aim to provide useful and accurate information, but information may change and no guarantee is made that every item is complete, current or suitable for every person. Life Beyond Debts may update, change or remove content without notice.
4. Digital Products and Resources
Where paid resources are offered, the applicable product description and purchase terms presented at the time of purchase will apply. Digital resources are provided for personal educational use unless otherwise stated.
5. Intellectual Property
Unless otherwise stated, website text, branding, graphics, workbooks, guides and other original content are owned by or licensed to Life Beyond Debts. You must not reproduce, redistribute, resell or commercially exploit that content without permission, except where permitted by law.
6. Third-Party Links and Services
The website may contain links to third-party websites or services. Life Beyond Debts is not responsible for the content, availability, privacy practices or terms of third-party services. Your use of those services is subject to their own terms.
7. Website Availability
We do not guarantee that the website or any particular feature will always be available, uninterrupted or error-free. We may maintain, modify or discontinue parts of the website from time to time.
8. Limitation of Liability
To the extent permitted by law, Life Beyond Debts is not responsible for loss arising from reliance on general website information or from use of third-party services. Nothing in these terms excludes, restricts or modifies any right or remedy that cannot lawfully be excluded, restricted or modified.
9. Privacy
Our handling of personal information is described in our Privacy Policy.
10. Changes to These Terms
These terms may be updated from time to time. The latest version will be published on this page.
11. Governing Law
These terms are intended to operate under the laws applicable in Australia, subject to any mandatory rights or protections that apply to you.
12. Contact
If you have a question about these Terms & Conditions, please contact Life Beyond Debts through the contact details provided on the website.
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