When purchasing Products or Services that do not create a client-professional relationship (e.g., books, online courses), these Terms of Service govern the transaction.

2.5 Separate Agreement for Accounting Services

Prior to the provision of any accounting services that create a client-professional relationship, you will be provided with a separate agreement by your independent professional and/or professional services firm outlining the specific terms and conditions governing those services. By engaging such services, you agree to be bound by the terms of that separate agreement.

2.6 Payment and Refunds

Payment Methods:

We accept the following payment methods: Visa, Mastercard, and PayPal. All payments must be made in Australian dollars.

Recurring Billing (if applicable):

If you subscribe to any services with recurring billing, you authorize us to charge your designated payment method automatically on a recurring basis for the subscription fee. You can cancel your subscription at any time by contacting us at support@usefulmoneystuff.com. Cancellation will take effect at the end of your current billing cycle.

Refunds:

Our refund policy varies depending on the type of service or product purchased:

Booking Service: If you cancel a booking made through our platform, the refund policy of the independent professional and/or professional services firm you booked with will apply. We encourage you to review their cancellation and refund policy on the booking page prior to making your booking.  Any refund issued will be subject to deduction of merchant processing fees incurred during the original transaction.

Digital Products (e.g., ebooks, templates, calculators): Due to their nature, digital products are generally non-refundable once downloaded or accessed. However, we may consider refunds for defective or unusable
products, duplicate purchases, or persistent technical issues preventing access. Any refund issued will be subject to deduction of merchant processing fees incurred during the original transaction.

Services with Digital Components (e.g., online courses):

Cancellation before commencement: Full refund may be available, less any non-refundable fees (e.g., administrative fees, merchant fees).

Cancellation after commencement: Prorated refund may be available, less any non-refundable fees (e.g., administrative fees, merchant fees).

Dissatisfaction: Contact us within 5 days of commencement to discuss a potential partial refund.

Other Products and Services: For other products and services not listed above, our refund policy will be in accordance with the Australian Consumer Law. Please contact us for more information.

Requesting a Refund:

Contact us at support@usefulmoneystuff.com with your order details and reason for the refund request. We will assess your request and respond within 7 business days. Any refund issued will be subject to deduction of merchant processing fees incurred during the original transaction.

This policy is in addition to your rights under the Australian Consumer Law.

2.7 Provision of Tax Agent Services

Useful Friend Pty Ltd t/a Useful Money Stuff Accounting is also a registered tax agent and may provide tax agent services, including but not limited to bookkeeping, BAS, and tax packages. If you engage Useful Friend Pty Ltd for tax agent services that establish a client-professional relationship, those services will be governed by a separate engagement contract between you and Useful Friend Pty Ltd. This separate contract will outline the specific terms and conditions governing those services, including fees, payment terms, client responsibilities, confidentiality, and limitations of liability.

3. Disclaimer

While this Website provides general information and resources related to accounting, the content is intended for informational purposes only. It should not be considered a substitute for professional accounting advice tailored to your individual circumstances.

Although we have independent qualified professionals available on our Website, the information provided here does not constitute the formation of a client-professional relationship. Engaging with our Website or accessing its content does not establish such a relationship. Formal engagement of accounting services that establishes a client relationship requires a separate agreement.

For personalized advice and solutions, we encourage you to contact the independent qualified professionals via the website directly or schedule a consultation through the Website. They can assess your specific needs and provide tailored guidance.

4. Intellectual Property

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by us, our licensors, or other providers of such material and are protected by Australian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for its intended purpose. You may not copy, modify, distribute, sell, or lease any part of our Website or included content. You may not use our Website for any commercial purpose without our express written consent.  

5. Limitation of Liability

5.1 Disclaimer of Warranties

WE PROVIDE THE WEBSITE AND SERVICES “AS IS” AND WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.  

5.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE WEBSITE OR SERVICES; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE; (III) ANY CONTENT OBTAINED FROM THE WEBSITE; OR (IV) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

5.3 Disclaimer of Responsibility for Independent Professionals and/or professional services firm

Useful Friend Pty Ltd is not responsible for the actions, advice, or services provided by any independent professional and/or professional services firm listed on this website.  Users engage such professionals at their own risk.

5.4 Disclaimer of Accuracy of Information

While we strive to provide accurate information, Useful Friend Pty Ltd makes no warranties about the completeness, reliability, or accuracy of the information on this website.  Users are encouraged to verify any information independently before making any decisions.

6. Modifications to the Terms

We reserve the right to modify these Terms at any time in our sole discretion. We will notify you of any material changes by posting the new Terms on the Website. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes.

7. Governing Law and Dispute Resolution

These Terms shall be governed and construed in accordance with the laws of Queensland, Australia.

Any dispute arising out of or relating to these Terms or the Website shall be settled first by negotiation between the parties for a period of 60 days. The parties may extend this negotiation period by mutual written agreement. If the dispute cannot be resolved through negotiation, then the parties agree to submit the dispute to mediation in Queensland, Australia, in accordance with the rules of the Queensland Civil and Administrative Tribunal
(QCAT). If the dispute is not resolved through mediation, then it shall be settled by arbitration in Queensland, Australia, in accordance with the rules of the Institute of Arbitrators & Mediators Australia (IAMA).

8. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by this reference. Please review our Privacy Policy to understand our practices concerning your information.

9. Contact Us

If you have any questions about these Terms, please contact us at: support@usefulmoneystuff.com

In these Terms of Service, the following terms have the
following meanings:

• “Account” means an account registered by you on the Website to access certain features or purchase Services.
• “Products” means the products offered for sale on the Website, such as books, templates, and calculators.
• “Services” means the services offered on the Website, including the booking service, online courses, bookkeeping, BAS, and tax packages, as well as the Products.
• “Website” means the website located at usefulmoneystuff.com, including all content, functionality, and services
  offered on or through the Website.
• “You” or “your” means the individual accessing or using the Website or purchasing Services.

Termination

We may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately.  

We may also terminate or suspend your Account for any reason, including without limitation:  

• Breach of these Terms.
• Inactivity of your Account for an extended period.
• Engaging in any conduct that we deem harmful or inappropriate.
• If required by law or legal process.

Upon termination of your access to the Website or your Account, your right to use the Website and Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.  

Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.  

Entire Agreement

These Terms constitute the entire agreement and understanding between you and Useful Friend Pty Ltd relating to the subject matter hereof and supersede all prior or contemporaneous communications and proposals, whether oral or written, between the parties with respect to such subject matter.