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Terms of Use Career Money Life Pty Ltd Website

Effective 1 July 2014

The Career Money Life Websites (www.careermoneylife.com , careermoneylife.ca, careermoneylife.com.au) are owned and operated by My Outplacement Pty Ltd (ABN 96164289758) herein referred to as "Career Money Life". These terms and conditions apply to the use of the Websites, and refer to all Services which are promoted or ordered on the Websites.

1. Use of Website and Ordering Services

When you sign in and use this Website, or order a Service, and tick the box that says 'I understand and agree to the Terms and Conditions of this service', you become legally bound by these terms and conditions. Please do not proceed to use the Website or order a Service until you have read, understood and accepted these terms and conditions. We reserve the right to change these terms and conditions without notice. Your continued use of the Website or the Services after such changes are published on the Websites will constitute your agreement to such changes.

2. The Services

Career Money Life promotes a range of services on the Website including some services where it acts as an agent for independent service suppliers (known as ‘Service Suppliers’) that supply career transition, outplacement, money related and health and wellness services to customers (collectively, the 'Services'). Registration on a third-party website, operated by the independent service supplier, may be required to use some Services. Career Money Life may require proof of identity, via an email address and password, prior to the ordering of the Services. Eligibility restrictions, if any, will be noted when registering for each Service. Career Money Life will keep a record of all Services ordered by you.

3. Seven Day Change-of-Mind Order Cancellation and Refund Policy

If you have ordered a Service from the Career Money Life Website and you have since changed your mind about the Service you have chosen you can cancel your order within 7 days of the order date and receive a refund of your credit.

Conditions of Refund:

Refunds are only permitted for Services that have not been used or expired, i.e. where a Service is yet to be provided or where a Service which has been purchased with an expiry date, that date has not passed.
The refund will be processed back to the account from which it was ordered as credit to purchase other Services. No cash refunds will be provided where the Service was purchased with credits. If a Service was purchased in part or in full using a credit card, a refund equal to the value of the purchase processed on the credit card will be credited back to the same credit card.
Any Career Money Life account credits used to place the order will be refunded in the same form of tender.
After the elapse of 7 days from the order date, no refunds will be granted for ‘Change-of- Mind’.

Guarantees and Warranties required by law

Career Money Life complies with the Australian Consumer Law in respect of guarantees and warranties for the promotion of Services on the Websites.
The independent Service Suppliers, who provide some of the Services promoted on the Website, accept responsibility for compliance with the Australian Consumer Law that their Service was provided with due skill and care, and complied with the description made to the customer at the time of order. Subject to the Service Supplier’s booking notice period, cancellation policy or other details specified by the Supplier at the time of order you may be entitled to a refund of whole or part of the price depending on the circumstances of each case.

4. Prices

Career Money Life reserves the right to change prices without notice. Once an order has been placed, prices will not change. All prices include Goods and Services Tax (GST) or VAT (Value Added Tax) at the current legislated rate.

5. Order Notification Online and Via Email

Career Money Life Life is not liable or responsible for any loss suffered as a result of a Service order notification via email being blocked by filters or firewalls, or where the incorrect email address has been entered by the customer into their online account. If the recipient does not receive the email notification of order, please contact us immediately so that we can send the order notification to an alternative email address.

6. Service Suppliers

Career Money Life has no responsibility for any service delivered, or not delivered, by independent Service Suppliers. Service Suppliers deliver services directly to customers. Career Money Life makes no guarantees, warranties or representation regarding the standard of any service delivered by a Service Supplier. All Services promoted by Career Money Life are provided subject to the terms and conditions of each Service Supplier and Career Money Life’s terms and conditions. Career Money Life does not control the business operations of Service Suppliers.

7. Modifications to the Website or the Services

Career Money Life reserves the right, for any reason, in its sole discretion, to terminate, suspend or change any aspect of the Websites or the Services including but not limited to services, content, features or hours of availability. Career Money Life may impose limits on certain features of the Websites or the Services, or restrict your access to part or all of the Websites or the Services without notice or penalty.

8. Availability of Services

All Services are offered by Suppliers subject to availability. Bookings of Service sessions should be made with the Supplier at a mutually agreed time. Bookings are not finalised until you have received an email confirmation or other means of confirmation from the Supplier which confirms your booking. Please be advised that some Service Suppliers display availability dates on the Website. These dates are guidelines only and may be subject to change. We suggest that you contact the Supplier as soon as you have ordered the Service to confirm a mutually agreed time. If no mutually agreed time can be agreed, you will then be able to cancel the Service and be refunded your credit (subject to cancellation occurring within 7 days of the order date).

9. Contact Details Given to Service Suppliers

It is your responsibility to ensure you enter your email address and other contact details correctly in your online account on the Website. Failure to do so may result in loss or incorrect delivery of the email notification of your order. As the Service Supplier will be expecting you to contact them, you may end up forfeiting your Service (subject to the Supplier’s terms and conditions).

10. Cancellations

Following the initial seven (7) day period after the order date, (where you can cancel without penalty,) if you cancel an order for a Service, you may incur a cancellation fee from the Service Supplier. Our Service Suppliers have their own cancellation policies displayed with their Service descriptions on the Website, which you are bound to follow. In some cases, cancellations by you may result in the loss of your credits completely if the Service Supplier is unable to re-use your booked session on the day. If a Service Supplier needs to cancel a Service for any reason, you will be notified as soon as possible in order to reschedule a convenient alternative date. Career Money Life will not reimburse any travelling, accommodation or other expenses incurred by you or any other person in the event of a cancellation.

11. Complaints or Problems with Service Delivery

If you have a problem or a complaint with the Service, please bring this to the Service Supplier’s attention immediately so that issues may be addressed. If this does not resolve your issue, please lodge a Service delivery dispute for the order in question in your online account and provide details of the dispute. Career Money Life will endeavour to resolve the issue with the Supplier, but will assume no liability for unsuccessful dispute resolution.

12. Service Supplier Insurance

Service Suppliers may describe on the Website that they maintain appropriate public liability insurance for risks associated with the provision of their Service. Career Money Life makes no warranty or representation about their Services or their insurance whatsoever.

13. Illustrations on Our Website

The images used on our Website to illustrate the Services are provided to us by Service Suppliers and are not necessarily representative of the Service promoted or ordered. Career Money Life makes no representation about the ownership of the images and assumes no liability for their use on the site by the Service Supplier.

14. Session Length

Service Supplier session lengths are approximate and are given by Service Suppliers as a guide to the time it takes to deliver the Service. Unless otherwise stated, there may be waiting time involved.

15. Expiry and Credit Use By Date

Expiry is when the credit balance associated with a Program to which you have been assigned is set to zero. The credit balance in a Program will expire on the Credit Use By Date which is published on the My Dashboard page of your online account on the Website. This date can be changed at the discretion of your Employer or of Career Money Life.

16. Account and Password

You agree that all account information provided by you is accurate and up-to-date, and you will promptly notify Career Money Life of any changes. You are solely responsible for protecting the confidentiality of your password and may not disclose your password to any other person. You are also solely responsible for all acts and omissions that occur in connection with your account and password, whether or not authorised by you. You agree to notify Career Money Life immediately if your password is stolen or otherwise passes out of your control so that access to your online account using the password can be terminated. Until you notify Career Money Life, you are responsible for all charges associated with the use of your account and password.

17. Endorsements

All Service marks that appear on the Website and the Services that are not Career Money Life marks are the marks of their owners. References to any names, marks or Services of third parties or hypertext links to third party sites or information do not constitute or imply endorsement, sponsorship or recommendation of the third party information or Service.

18. Monitoring

You agree that Career Money Life has the right, but not the obligation, to monitor, edit, disclose, refuse to post, or remove at any time, for any reason in its sole discretion, any material and content anywhere on the Websites or the Services. Notwithstanding this right, Career Money Life may not review all material and content posted by users on the Website or the Services and Career Money Life is not responsible for any material or content posted by customers or Service Suppliers.

19. Privacy

Career Money Life respects your privacy. For an explanation of our practices with regards to information collected or submitted to the Website, please see our Privacy Policy online.

20. Intellectual Property

You acknowledge and agree that all content and materials available on the Website, including but not limited to the Career Money Life name and logos, text, software, images, and video, are protected by intellectual property and other laws. Except as expressly authorised by Career Money Life, any use, copy, reproduction, display, performance, modification or transmission is strictly prohibited.

21. Limitation of Liability

In no event shall Career Money Life be liable for any special, incidental or consequential damages that are directly or indirectly related to the use of, or inability to use, the Website, the Services, or the content, materials and functions related thereto even if Career Money Life has been advised of the possibility of such damages. Career Money Life has no liability for any act, omission or default, whether negligent or otherwise of any Service Supplier or third party. Career Money Life has no liability for any loss or damage occasioned by any negligent act or omission of any Service Supplier or third party. Where Career Money Life's liability cannot be excluded, such liability is limited to the value of the individual Service ordered.

22. Indemnification

You agree to defend, indemnify and hold Career Money Life and its officers, directors, employees, agents, licensees, successors and assigns harmless from and against any and all claims, losses, damages, liabilities, costs and expenses (including reasonable legal fees) incurred or suffered by them in connection with any claim arising out of or related to: (a) your use of the Website or the Services; (b) your breach or violation of any of these Terms of Use; (c) your dispute with another user; or (d) the unauthorised access to any password-protected area of the Website or the Services using your password. Career Money Life reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle or otherwise dispose of any matter without the prior written consent of Career Money Life.

23. Governing law and jurisdiction

The law of the State of Victoria, Australia governs this Agreement. The parties submit to the non- exclusive jurisdiction of the courts of the State of Victoria and of the Commonwealth of Australia.

Career Money Life Privacy Policy

Career Money Life collects and uses your personal information in operating this website and in providing services to you, in a manner that adheres to the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

What is Privacy?
Data Protection Principles
Collection
Use and Disclosure
Quality of Data
Data Security
Openness
Access and Correction
Onward transfers of Personal Information
Sensitive Information
Non-personal Information
Sharing of Information
Cookies
Order Status Information and Service Updates
Surveys
Links
Community Functions
Disclosing your personal information overseas
Changes to the Privacy Policy
About this Notice

What is Privacy?

Information privacy is about giving individuals some control over when, how and to what extent information about themselves is communicated to others.

Career Money Life is committed to providing you with privacy safeguards that are consistent with your right to choose whether you wish to provide information about yourself, and if you do provide it, the nature and quality of that information. By using the website and services, you agree to the collection and use of your information in accordance with this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the website or the services.

Data Protection Principles

Our approach to data protection is built around five key principles:

Lawfulness, fairness and transparency: We abide by the Privacy laws of the jurisdictions we operate and provide full transparency of your data and how it is used.

Data purpose & minimization: We only collect and process sufficient date to deliver the services that you elect to use, and this is communicated to you throughout your journey with us.

Accuracy: We provide you with the tools to keep your data accurate and up to date.

Retention: There is a time limit to our storage of your Personal data.

Accountability, integrity and confidentiality: Your data is important to us. We accept the responsibility that comes with processing your personal data, and adopt accepted industry standard security practices to keep it secure.

Collection

Career Money Life will collect personally identifiable information from you that is necessary for the purposes of supplying to you the services you subscribe for:

Name and email address
Secret question and answer for identification purposes
Residential address, phone number
Age
Job Status and Job Application Information
Resume Information
CareerID Assessment Tool Information
My Goals Life Area Importance and Satisfaction

Other than your name and email address, this information is not collected or processed unless you consent to do so. The secret question and answer are required as part of your account set up to validate who you are, in the event that you forget your password, or require certain types of support from our customer service. You are required to accept our Privacy Policy when you provide personal data as part of using the site (for example using the Resume tool). You are required to accept our Terms and Conditions, which references our Privacy Policy, whenever you order a service.

The website and the services are not intended for use by children. Career Money Life will not knowingly collect any personally identifiable information from users under the age of 13.

Use and Disclosure

Career Money Life will use your personally identifiable information for customer service, to provide you with information that you may request, and to customize your experience on the website or with the services. Your personally identifiable information is used by Career Money Life to respond to your requests, process your transactions, tailor offerings to you, and for general internal business purposes.

Career Money Life will use your financial information to bill you for services or otherwise process your transactions. By ordering a service on the website or using the services, you consent to Career Money Life providing your financial information to its service providers and to such third parties as it determines is necessary to process your transactions. These third parties may include the credit card companies and banking institutions used to process the transaction.

Career Money Life will use your address information to display services approximate to your location. Career Money Life may share your location information individually with your consent and in the aggregate. Career Money Life may share your name, email address and location information with certain select third parties whose services you have ordered, or we think might be of interest to you (for example if you have listed your profile for recruiters to view). You always have the opportunity to request that your information no longer be shared with these parties by emailing Career Money Life or signing into your online account and disabling the appropriate function. Please note that your removal from these communications will only apply to the sharing of your information in the future and not to information that may have already been shared with third parties, as provided in this Privacy Policy. You may need to contact third parties that may contact you directly to request not to receive future communications.

Unless you tell Career Money Life not to, Career Money Life may use your personally identifiable information to contact you with information it thinks you would be interested in. If you do not want to receive this information, indicate that Career Money Life may not do so at the point where you give Career Money Life your personally identifiable information. If you change your mind later, email Career Money Life. Email messages will also provide you with an opportunity to opt-out of receiving this information. Please note that changes to your preferences may not be effective immediately.

If Career Money Life is sold to, or merges with, another company, or declares bankruptcy, some or all of the information collected from you may be transferred to a third party as a result of the transfer of assets. Career Money Life may also disclose your information if it is necessary to comply with applicable laws or protect the interests or safety of Career Money Life or other website or service users.

Quality of Data

Career Money Life will take reasonable steps to ensure that the information we collect from you, use or disclose is accurate, complete and up-to-date.

Data Security

Career Money Life will take all reasonable steps to ensure that the personal information we hold about you is protected from misuse and loss or from unauthorized access, modification, or disclosure. We are continuously updating our Data Security practices in line with accepted industry standards.

Openness

Career Money Life will be always be open and honest about the way in which we manage personal information.

Access and Correction

Career Money Life lets you see the information we hold about you and correct it if it is wrong. You are able to sign into your account at any time to download and/or delete your own data.

Data Retention

On your request we will close your account and delete all your Personal data held on our platform. On the request of your employer, we will close your account and delete all your Personal data held on our platform. Seven years after you last sign-in to your account we will automatically delete your Personal data.

Onward transfers of Personal Information

Except as provided herein, Career Money Life will not provide your personal information to any other person unless we do so as part of a service that you have ordered, or we ask you and you agree, or unless we are forced to do so by law.

Sensitive Information

Career Money Life will not collect or record information about your racial or ethnic origin, political views, religious or philosophical beliefs, or details about your health or sex life.

Non-personal Information

Career Money Life may automatically collect non-personal information about you. This includes the type of Internet Browser and IP address you use and the site which linked you to the Career Money Life website. This information is used to assist Career Money Life in providing you with an effective website. Career Money Life uses non-personally identifiable information for internal purposes and to help us interact with visitors to the website. We may also share non-personally identifiable information in the aggregate form with third parties to illustrate trends and patterns. You cannot be personally identified from this information.

Sharing of Information

Career Money Life may share aggregated demographic information with our partners. This information is not linked to any personal information that can identify any individual person.

At times Career Money Life may partner with another party or use a third-party contractor to provide specific services on its behalf, such as authorization of credit card transactions and delivery of services, and may share your information with these contractors for those limited purposes. When you use these services we will provide your name and other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Cookies

Career Money Life uses cookies on its site. A cookie is a piece of data temporarily stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. The cookie helps the user to save time. For instance, by setting a cookie on our site, you do not have to sign in using your email and password more than once during each visit, thereby saving time while on our site.

Order Status Information and Service Updates

We will use your email address to send order status information and feature updates. You can unsubscribe at any time, and thereafter sign in to review your order status information.

Surveys

At times Career Money Life requests information from users and service providers through surveys. Participation in these surveys is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information, demographic information, your well-being and opinions. Survey information may be used for purposes of monitoring or improving the use and satisfaction of this service, de-personalised and provided in aggregate to employers, service providers, or other organisations.

Links

This web site may contain links to other sites. Please be aware that Career Money Life is not responsible for the privacy practices of such other sites. This privacy statement applies solely to information collected by this web site.

Community Functions

The website and services may make available to its users feedback reviews, forums, message boards, and/or other community functions. Remember that any information you disclose in these areas may become public information and you should exercise caution when deciding to disclose your personal, financial or other information. You should use such community functions at your own risk.

Disclosing your personal information overseas

You information is stored in Australia, but may be disclosed to CML Staff or Service Providers located outside of Australia where this is required to deliver a service that you have ordered or provide support that you have requested.

Changes to the Privacy Policy

Career Money Life reserves the right to change the terms of this Privacy Policy. Any changes will be posted on this page so we encourage you to check this page regularly. Your continued use of the website or the services following any changes to this Privacy Policy will constitute your acceptance of such changes.

About this Notice

This Data Privacy Statement has been issued by my outplacement pty ltd, trading as Career Money Life, ABN 96 164 289 758, Level 40, 140 William Street, Melbourne, VIC 3000, Australia and is effective as at 3 March 2023.

If you have enquiries, complaints or wish to provide feedback about this policy or the handling of your data, please email our Data Protection Officer at privacy@careermoneylife.com