Terms of Use

1. Acceptance of Terms

By accessing and using the Glow Masonry website (glow-masonry.com) and services, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

Glow Masonry provides financial education and consultation services, including but not limited to:

• Personal budget development and consultation
• Debt management strategy
• Savings planning and guidance
• Investment education workshops
• Financial health audits

We reserve the right to modify, suspend, or discontinue any service at any time without notice.

3. Educational Purpose

All information and services provided by Glow Masonry are for educational purposes only. We do not provide:

• Financial advice regulated under Australian financial services laws
• Investment recommendations for specific securities
• Tax advice or preparation services
• Legal advice

You should consult with licensed professionals for specific financial, tax, or legal advice.

4. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account information
• Use our services only for lawful purposes
• Not interfere with the proper functioning of our website
• Not attempt to gain unauthorized access to any systems or data
• Not use automated systems to access our website without permission

5. Payment Terms

For paid services:

• Payment is required in advance unless otherwise agreed
• All prices are in Australian Dollars (AUD)
• Prices are subject to change with notice
• Refunds are handled on a case-by-case basis

6. Cancellation and Refund Policy

For service cancellations:

• Cancellations made more than 48 hours before scheduled sessions may receive a full refund
• Cancellations made within 48 hours may receive a 50% refund
• No-shows without prior notice are not eligible for refunds
• For multi-session programs, refunds are prorated based on completed sessions

Refund requests should be submitted to [email protected].

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Glow Masonry and is protected by copyright and other intellectual property laws.

You may not:

• Reproduce, distribute, or display our content without permission
• Use our materials for commercial purposes without authorization
• Modify or create derivative works from our content
• Remove copyright or proprietary notices

8. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• Our website will be uninterrupted or error-free
• Defects will be corrected
• Our website or servers are free of viruses or harmful components
• Information provided will meet your specific requirements

9. Limitation of Liability

To the maximum extent permitted by law, Glow Masonry shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or data
• Business interruption
• Financial decisions made based on our educational content

Our total liability to you for any claim arising from our services shall not exceed the amount you paid for those services.

10. Indemnification

You agree to indemnify and hold harmless Glow Masonry, its officers, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our website or services
• Your violation of these Terms of Use
• Your violation of any rights of another party
• Any content you submit through our website

11. Privacy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

12. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of these external sites. Access to third-party sites is at your own risk.

13. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of Victoria, Australia. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Victoria.

14. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website after changes are posted constitutes acceptance of the modified terms.

15. Severability

If any provision of these Terms of Use is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Glow Masonry regarding your use of our website and services.

17. Contact Information

For questions about these Terms of Use, please contact us:

Email: [email protected]
Address: Level 12, 480 Collins Street, Melbourne VIC 3000, Australia