TERMS and CONDITIONS
PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE.
Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following Terms and Conditions of use, which together with our Privacy Policy and Website Disclaimer govern betsywestcott.com’s relationship with you in relation to your use of this website.
By using this website, you signify your acceptance of these Terms and Conditions. If you do not agree with these Terms and Conditions, you should cease using this website immediately.
For the purposes of these Terms and Conditions:
• “We”, “Us”, or “Our” refers to betsywestcott.com and Betsy Mary Mackenzie Ketelbey trading as Betsy Westcott (ABN 40 348 090 328)
• “You” and “Your” refers to you, the client, visitor, website user or person using our website.
RELIANCE ON CONTENT
The information, insights, facts and ideas provided on this website (“Content”) are for general informational and educational purposes only.
Nothing contained on this website constitutes, or is intended to constitute:
• financial advice
• investment advice
• legal advice
• taxation advice
• or any other professional advice.
The Content does not take into account your individual objectives, financial situation or needs.
Before acting on any information contained on this website, you should consider the appropriateness of the information having regard to your own circumstances and seek independent professional advice.
You acknowledge that your use of this website and reliance on any Content is entirely at your own risk.
FINANCIAL SERVICES DISCLOSURE
Betsy Mary Mackenzie Ketelbey trading as Betsy Westcott is an Authorised Representative (No. 001308005) of Money Sherpa Pty Limited (ABN 32 164 927 708), holder of Australian Financial Services Licence (AFSL) No. 451289.
Through this authorisation, we may provide general financial product advice and arrange or deal in certain financial products.
Any general financial advice provided on this website:
• is provided under the authority of Money Sherpa Pty Ltd
• does not take into account your personal objectives, financial situation or needs
• should not be relied upon as personal financial advice.
Before acting on any general advice, you should consider the appropriateness of the advice and review the relevant Financial Services Guide (FSG) and any applicable Product Disclosure Statement (PDS).
A copy of our Financial Services Guide is available upon request.
MEDIA COMMENTARY DISCLAIMER
From time to time, this website may include references to media appearances, commentary, interviews or educational materials provided through television, podcasts, publications, social media or other platforms.
Any such commentary is provided for general informational and educational purposes only.
Media commentary:
• is not personal financial advice
• does not take into account individual financial circumstances
• should not be relied upon as a substitute for professional advice
SERVICES
Where we provide coaching services, education programs, workshops or other services (“Services”), those Services may be governed by separate agreements or service terms provided to you at the time of engagement or purchase.
REFUNDS
We aim to ensure our Services are provided with due care and skill.
Refunds are provided in accordance with:
• the Australian Consumer Law, and
• the specific terms outlined in our Coaching Services Agreement or relevant service agreement.
Nothing in these Terms excludes, restricts or modifies any rights you may have under the Australian Consumer Law.
AUSTRALIAN CONSUMER LAW
Under the Competition and Consumer Act 2010 (Cth) and the Australian Consumer Law, certain guarantees apply to goods and services supplied to consumers.
Nothing in these Terms excludes, restricts or modifies any consumer guarantees or rights you may have under the Australian Consumer Law that cannot be excluded.
To the extent permitted by law, our liability for breach of a consumer guarantee relating to services is limited to:
• supplying the services again; or
• paying the cost of having the services supplied again.
WEBSITE USE
You acknowledge that:
• information on this website may contain inaccuracies or errors
• we do not guarantee that the website will be uninterrupted, secure or error-free
• the Content may change without notice.
To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of the website or reliance on any Content.
AGE REQUIREMENT
You must be 18 years of age or older to use this website or engage our Services unless you have the consent of a parent or legal guardian.
LINKS TO OTHER WEBSITES
This website may include links to other websites for your convenience.
These links do not signify endorsement or approval of those websites. We have no control over the content or policies of third-party websites and accept no responsibility for them.
YOUR PRIVACY
At betsywestcott.com, we are committed to protecting your privacy.
We collect, use and manage personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Please refer to our Privacy Policy for further information.
You may update your details at any time by contacting us at:
We do not store credit card information on our servers.
THIRD PARTIES
We do not sell or trade personal information.
We may use aggregated or anonymised data to analyse website usage, improve our services and better understand customer needs.
We may disclose information where required:
• by law
• by a court order
• to enforce our agreements
• to protect the rights, safety or property of our customers or third parties.Disclose Your Information
We may be required, in certain circumstances, to disclose information in good faith and where innermoneyjourney.com is required to do so in the following circumstances: by law or by any court; to enforce the terms of any of our customer agreements; or to protect the rights, property or safety of our customers or third parties.
EXCLUSION OF COMPETITORS
If you are in the business of creating similar products, services or materials for commercial purposes, you are considered a competitor of betsywestcott.com.
Competitors must not use or access this website to obtain information for competitive purposes. We reserve the right to deny access to any person at our discretion.
INTELLECTUAL PROPERTY
This website contains material which is owned by or licensed to us, including but not limited to:
• design
• layout
• graphics
• trademarks
• written materials
• downloads and resources.
All content is protected under Australian copyright and intellectual property laws.
You may download or print extracts for personal and non-commercial use only.
You must not reproduce, distribute, republish or commercially exploit any content without our prior written permission.
ENTIRE AGREEMENT
These Terms and Conditions represent the entire agreement between you and betsywestcott.com regarding your use of this website.
SEVERABILITY
If any provision of these Terms is held to be invalid or unenforceable, that provision will be removed and the remaining provisions will remain in full force and effect.
AMENDMENTS
We reserve the right to change, modify or update these Terms at any time.
Changes will take effect once published on this website. Your continued use of the website constitutes acceptance of those changes.
JURISDICTION
These Terms and Conditions are governed by the laws of New South Wales, Australia.
Any disputes arising in connection with this website will be subject to the exclusive jurisdiction of the courts of New South Wales.