Terms of Use, Disclaimer and Privacy Policy

The following TERMS OF USE and PRIVACY POLICY are subject to change at any time and at the sole discretion of the Site owner and operator. Please visit the site regularly for updates.

TERMS OF USE

Please read the following terms of use relating to your use of this site, and all the sites listed below under our brand, carefully. By using these sites, you agree to these terms of use. We reserve the right to modify these terms at any time, so please check this page periodically for changes. By using these sites after we post any changes to these terms, you agree to accept those changes, whether or not you have reviewed them or been notified about them. If at any time you choose not to accept these terms of use, please do not use this site or any of our sites.

Eligibility

In order to use The Strategy Hub and our related sites, you must:

  1. be at least eighteen (18) years old and able to enter into contracts;
  2. complete the registration and/or payment process;
  3. agree to the Terms of Use and Privacy Policy on this page; and
  4. provide true, complete, and up to date contact information.

By using The Strategy Hub and our related sites, you represent and warrant that you meet all the requirements listed above, and that you won’t use The Strategy Hub or our related sites in a way that violates any laws or regulations. (Representing and warranting is like making a legally enforceable promise.) The Strategy Hub and our related sites may refuse service, close accounts of any users, and change eligibility requirements at any time.

Owners and Collectors of Information

These terms of use apply to your use of all of the Sites and services owned, hosted, or operated by Tracey Besters (collectively “we,” “us,” or “our”), and any other site that we have owned or operated, do own and operate or may own or operate in the future including social media sites, examples include but are not limited to www.smsfdesign.com.au, www.thestrategyhub.com.au and www.mysmsfjourney.com.au (collectively, the “Sites”). Unless we say otherwise, all references to the Sites in these terms of use include all such Sites. These terms of use do not apply to your use of unaffiliated Sites to which any of the Sites may link to or direct you to.

If you have any questions about these terms of use you may contact us at

Tracey Besters (ABN 15 902 072 954) trading as The Strategy Hub

Registered address: 2/36 Burradoo Road, Burradoo NSW 2576 Australia

Email: support@thestrategyhub.com.au

Restrictions

The contents of our Sites are protected by copyright and trademark laws, and are the property of their owners. Unless otherwise noted, you may access and use the information and materials within the Sites in your professional capacity as an accountant or financial adviser. In the case of mysmsfjourney.com.au accounting and financial services firms that have the correct membership subscription can access and use the information in mysmsfjourney.com.au to help educate your clients and prospective clients about Self Managed Superannuation Funds and associated strategies. You may not change, modify, delete, display, transmit, adapt, exploit, or copy for distribution or sale any information, material, trademark, or copyright on the Sites. You must obtain written permission from us or any other entity who owns intellectual property on the Sites before you may publish, distribute, display, or commercially exploit any material from the Sites. By using the Sites, you agree to abide by all copyright notices or other posted restrictions.

You agree to use our sites under nonexclusive, nontransferable, non-sublicensable and revocable license via a paid monthly membership subscription. You acknowledge that our sites and services will no longer be available to you or your clients and prospective clients if you cancel or pause your membership subscription with us.

Adviser or Accountants Only Products & Services

Unless explicitly stated otherwise ALL of our products and services including tools, resources, training, webinars and live events are for educational purposes and are intended for financial advisers and public accountants only.

Links

These terms of use apply only to our Sites, and not to the Sites of any other companies or organisations, including those we link to. We do not maintain, create, endorse, or take any responsibility for the contents, advertising, products or other materials made available through any other site, including those we link to. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any content, goods or services available on any other site. Other Sites may link to our Sites by permission only. To seek our permission, you may contact us at the information above. We reserve the right to rescind any permission granted to you or any organisation in which we approve linking to our Sites, and to require termination of any such link to any of the Sites, at our discretion at any time.

Events, Information, and Speaker Changes

The events, information, and speakers listed on our Sites are subject to change without notification.

Submissions

We welcome your comments about any of the Sites. However, we will not review or consider any unsolicited creative submissions or suggestions for topics at our seminars or within our newsletters or products. We hope you will understand that this policy is intended to avoid the possibility of future misunderstandings in the event that ideas developed by our staff might seem to be similar to the ideas submitted to us. Accordingly, we must ask that you not send us any original creative ideas, suggestions or materials. If, despite our request, you send us any idea, suggestion or material (“Submission”), it shall become our property. We will not be subject to any obligation of confidence for any Submission, and we will not be liable for any use or disclosure of any Submission. In the case that you submit something to us and it is unsolicited, we will exclusively own all rights to the Submission worldwide, and we will be entitled to the unrestricted use of the Submission for any purpose, without compensation or notification to the provider of the Submission. Given this fact, we ask that you refrain from submitting creative projects to us, particularly those that are confidential or personal to you.

Forums

A “forum” means any message board, chat room, user review forum or other interactive service appearing on any of the Sites and includes both public boards and private folders. You must register in accordance with instructions that you will find on the Sites in order to contribute to any forum. You may not post on any forum, or send to any other forum user or our staff, any material that is abusive, vulgar, threatening, harassing, libellous, defamatory, obscene, invades a person’s privacy, violates any intellectual or other property rights, or that would otherwise violate any law. You may not use any forum in a commercial manner. You may not post material that solicits funds, or that advertises or solicits goods or services. You may not post material known to be false. You may not post messages that contain stock touts. You may not post or transmit any information, software or other material that contains a virus or other harmful component. We are not responsible for material appearing in any forum on the Sites, except for material signed by one of our identified representatives. We are not responsible for screening material posted by users for libel, obscenity, invasion of privacy, copyright or trademark infringement, accuracy, or for any other reason. We retain, however, the right to modify or remove messages or other material that we, in our sole discretion, consider infringing, offensive, abusive, defamatory, obscene, stale, or otherwise unacceptable. We also reserve the right to edit materials for any other reason. Whether or not we modify or remove such material, users remain solely responsible for the content of their messages or postings. By posting on the Sites, you grant (or warrant that the owner of such rights has expressly granted) us and/or relevant affiliated companies the worldwide, perpetual, nonexclusive right to use your questions, comments, and postings, in their original or edited form, in television programs, books, articles, commentaries, or in any other medium now known or later developed. You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by us will not infringe the rights of any third party. Additionally, you warrant that any “moral rights” in posted materials have been waived. You are not entitled to any compensation for any materials you may post on the Sites.

Registration

We may, at our discretion, suspend or terminate the registration of any forum user or general user who violates any of these terms of use of use, any of the forum member guidelines or for any other behaviour that we in our discretion believe is inappropriate.

Returns Policy, Refunds, Dispatch and Deliveries

The majority of our services are provided by way of electronic delivery and or face-to-face training or events and therefore returns, dispatch and deliveries are in most case not applicable.  In relation to paid online and face-to-face events, once you have paid and committed to an event, we have a 'no refund policy'. On a case-by-case basis (where that request is made in writing via email to us with an acceptable reason) we may choose to refund an event price at our complete discretion less an administration fee of $100 per person. If you have any questions after purchasing one of our services please contact support@thestrategyhub.com.au

Subscription Products

Most of our membership products have a month to month subscription agreement (i.e. 'No Lock-in' contract).  This simply means that when you sign up and pay for a specific monthly subscription you are committed for and must pay for a minimum of one calendar month.  If you wish to cancel your subscription you must do so before the next automatic monthly billing cycle.  Some of our products may have a longer subscription period such as 3, 6 or 12 months.  This will be clearly noted on the order form when purchasing the product.  We also provide some products and services that may not require a subscription, in this case it will be clearly noted.  In addition and from time to time we offer free trials or promotional give aways or bonuses (for more information see below)

Free Trials and Promotions

From time to time we offer free trials of some of our monthly subscription products or other products or services.  Often a free trial of one product or service is in conjunction with the sale or promotion of another product such as a paid webinar, video recording or training package.  If you purchase a product that includes a free 14, 30 or 60 day trial (or other term) of one of our subscription products and choose not to continue with the subscription at the end of the trial period, you are no longer eligible for another free trial period in the future even if you were to purchase a future one time product purchase that had a free promotional trial attached or bundled in with that offer.  If there is a legitimate reason why you believe you should be eligible for an extended trial period please contact us at support@thestrategyhub.com.au explaining your unique situation and we will consider whether to extend your free trial on a case by case basis.

Bonus Complementary Ticket to Future Event

If you purchase or subscribe to a membership subscription or other product and as part of that transaction (whether free or paid) you are offered a complementary ticket to a future event, please note that the future event is subject to a sufficient number of paid attendees (and other commercial factors) at the time (which we will not know until that time).  We therefore reserve the right to reschedule or cancel that said event. If the event is rescheduled you will be eligible to attend the rescheduled date. If the event is cancelled you may be eligible to attend a future event that is deemed by us to be similar in value to the intended event within 12 months of the intended event (please contact us should this be the case).  If you choose not to attend the event your complementary ticket becomes void. You can seek permission from us to transfer your complimentary ticket to another person should you be unable to attend.  We reserve full rights in relation to whether this transfer is allowed or denied at this time.  You also must be a paid up member of  The Strategy Hub membership at the time of using your complementary ticket. Please also note that any complementary ticket is not now or will ever be redeemable for cash under any circumstances.  In addition the value of your ticket can not be used to off-set any monthly subscription value or off-set the value of another purchase.

Billing changes We may change our fees at any time by posting a new pricing structure to our Website and/or sending you a notification by email.

How to cancel your subscription

If you wish to unsubscribe from one of our monthly subscription programs please email us at support@thestrategyhub.com.au and request that your membership be deleted/cancelled.  You must contact us before the next automatic monthly billing date.  There are no refunds if you cancel part way through a monthly billing cycle.  Generally speaking we have a no refund policy unless clearly advertised and in relation to one of our satisfaction guarantees.

Email Opt-in

By completing an online opt-in form or online order form you agree that you have given us permission to add your name, email address and any other personal details submitted/provided or naturally obtained by us in the course of doing business with you; into our Customer Relationship Management database and associated email, email marketing and email automation system(s) or other relevant database.  Where possible we recommend that you confirm your email address via what is called a double opt-in request.  In some cases we may send you an email to confirm that you have chosen to opt-in to receive information from us.  When you confirm your intention it can increase the likely hood of all of our emails being received into your inbox rather than being blocked or redirected by spam and junk mail filters.

Please note in most cases all of our systems are linked to your email address.  Therefore we request that you use your most relevant business email address and that you understand that if you were to unsubscribe from one of our emails it would mean that in most cases you would not just be unsubscribing from a specific list but from our ability to email you with the information you had requested even if you had paid for a particular product or service.  So please be careful when deciding on whether to unsubscribe or not.  If you wish to change your nominated email address please email support@thestrategyhub.com.au requesting the relevant changes.

Disclaimers

The information, services, products, claims, seminar topics, and materials on our Sites are provided “as is” and without warranties of any kind, either expressed or implied. We disclaim all warranties, expressed or implied, including but not limited to implied effectiveness of the ideas or success strategies listed on this site as well as those that are provided in our products or to our participants at our events. The only exception is the guarantees of satisfaction that are clearly labeled guarantees within our Sites. Neither we nor any of our respective licensors or suppliers warrant that any functions contained in the Sites will be uninterrupted or error-free, that defects will be corrected, or that the Sites or the server that makes them available are free of viruses or other harmful components. Neither we nor any of our respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information or materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not we or any of our respective licensors or suppliers) assume the entire cost of all necessary servicing, repair or correction to your system. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. We do not endorse, warrant or guarantee any speakers, products or services offered on the Sites or those we link to. We are not a party to, and do not monitor, any transaction between users and third party providers of products or services.

Limitation of Liability

Under no circumstances, including but not limited to negligence, will we or any of our licensors or suppliers be liable for any special or consequential damages that result from the use of, or the inability to use, the materials or information on the Sites, or any products or services provided pursuant to the Sites, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages (including but not limited to lost data), so the above limitation or exclusion may not apply to you. In no event shall the total liability to you by us or any of our licensors or suppliers for all damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to us, if any, for accessing the Sites.

Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any advice, goods or services you receive from a guest speaker on our Sites or at one of our events.

We are also not responsible or liable for any loss or damage that is caused or alleged to have been caused to our guest speakers in connection with the display of their photo, name, or biography posted on our Sites or in our marketing materials.

Online Merchant Facility

The online merchant facility we use is a combination of either Eway (https://www.eway.com.au/) AND/OR Stripe (https://stripe.com/au) for more information you can refer to their respective websites.  We have some order forms that integrates directly with Stripe via Thrive Cart.  At times we may choose to integrate directly with Stripe. On some of our sites we also utilise Woocommerce e-commerce package combined with the eWay or Stripe payment gateway.

No Professional Advice

The information contained in or made available through the Sites (including but not limited to information contained on message boards, in text files, videos, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial advice, accounting, taxation, self managed super funds and legal advice. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death. You alone are responsible and accountable for your decisions, actions and results in life, and by your use of the Sites, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.

mySMSFjourney Portal: Information and accuracy The Strategy Hub, SMSF Design and Tracey Besters are not financial advisers. The educational information provided on this web portal is factual information only and is not intended to be financial product advice, legal advice or tax advice, and should not be relied upon as such.  The information is general in nature and may omit detail that could be significant to your particular circumstances.  The information is provided in good faith and derived from sources believed to be accurate and current at the date of publication. While all care has been taken to ensure the information is correct at the time of publishing, superannuation and tax legislation can change from time to time and The Strategy Hub, SMSF Design and Tracey Besters (including all related entities, employees and contractors) and other parties involved in the development of the mySMSFjourney site are not liable for any loss arising from reliance on this information, including reliance on information that is no longer current.  We recommend that you seek appropriate professional advice before making any financial decisions.

You agree that the mySMSFjourney platform is a Multi-Firm/Multi-User online platform and that where possible we white-label the education portal with the logo and contact details of our subscription based member firms.

Confidentiality and Non-Compete

Users of our Sites hereby understand that the tools, processes, strategies, materials and information presented on our Sites are copyrighted and proprietary, so users agrees not to record, duplicate, distribute, teach or train from our information in any manner whatsoever without our express written permission. Any unauthorised use or distribution of our Sites proprietary concepts, materials, and intellectual property by you or your representatives is prohibited and Promoter will pursue legal action and full damages if these terms are violated in order to protect its rights.

PRIVACY POLICY

We are committed to protecting your privacy and security and we will never intentionally disclose any personal identification information about you as an individual user to any third party without having received your permission. We control this sites from offices in Australia, the data however may be stored in diverse geographical locations including (but not limited to) Australia, the USA, Canada and UK. We do not represent that materials on the site are appropriate or available for use in other locations. Persons who choose to access this site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Outside Sites (Their Privacy Policies May Be Different)

The Site may contain links to other websites, that may offer products or services that our customers might find useful. These sites may request information from you. In such instances, the collection and use of your personal information will be governed by the privacy policy applicable to that site. We do not control the privacy policies, contents or links that appear on these sites. We encourage you to review the privacy policies of any third party sites or services before providing any of them with your personal information.

How and why we collect information

We collect your information in order to record and support your participation in the activities you select. If you register for a seminar, for example, the information is used to reserve your seat, to track your preferences, and to keep you informed about the seminar and related events. As a visitor to our Sites, you can engage in many activities without providing any personal information. In connection with other activities, such as registering for a seminar, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including post code), e-mail address, telephone, credit card, and other personal information. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity. In all cases, we will collect personal identification information from you only if you voluntarily submit such information to us. We will also tell you how we use your information or if we share it with another party. Except as otherwise provided in this policy, we will never intentionally disclose any personal identification information about you as an individual user to any third party without having received your permission. If you supply us with your contact information you may receive periodic e-mails, mailings or calls from us with information on new products and services, important issues, or upcoming events. If you wish to be removed from any postal, email, phone, or other lists, please let us know by emailing us at support@thestrategyhub.com.au. You can also write us or call us at the contact information above. Please provide us with your exact name, email address, mailing address, and phone. We will be sure your name is removed from the appropriate lists immediately. When you use our Sites, we or our authorised technology services provider may also collect certain technical and routing information from you to facilitate your use of the Site and its services. We use this information to administer the Site and to understand and measure traffic patterns on the Site so that we know which areas of our sites are favourites of our users, which areas need improvement, and what technologies are being used so that we may continually improve our sites. This information is collected in aggregate form, without identifying you or any user individually. We may use this aggregate, non-identifying statistical data for statistical analysis, marketing, or similar promotional purposes. This data is often tracked by us our our technology services provider by using “cookies” during your visit. A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables us to record your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (For some web pages that require an authorisation, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages).

Exceptions to Privacy Policy

While we are committed to keeping your information secure and private, we have the following exceptions to our privacy policy: We will release specific information about you or your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Sites, or a physical or property threat to you or others. We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. Further, the information you enter when making a purchase or an online donation will be shared with payment processors, financial gateways, and your credit card company to authorise credit card payments. Such information may also be shared with necessary third parties solely for the purpose of carrying out the transactions, or for the purposes of technical support by third parties. Please note that if you give out personal information online through a discussion board or posting site, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of information you post in these forums. You disclose such information at your own risk.

Site Data Access and Maintenance You acknowledge that The Strategy Hub and its representatives, employees or contractors will Administer, Manage, Maintain and Update the site on an ad-hoc basis.

Miscellaneous

These terms will be governed by and construed in accordance with the laws of the State of New South Wales, Australia, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in the State of New South Wales, Australia. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these terms of use on our Sites.

Subject to change without notification

These Terms of Use & Privacy Policy may be revised from time to time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms of Use & Privacy Policy to which you are bound.