Terms of Use

Career Money Life Website and Service
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 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.

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