TERMS & CONDITIONS

1. Acceptance of Terms

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By accessing or using this website and any products, services, or content provided by The Fiscal Phoenix, you agree to be bound by these Terms and Conditions. If you do not agree, please discontinue use immediately.

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2. Financial Disclaimer

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The Fiscal Phoenix provides general financial education and lifestyle guidance only.

• Not Financial Advice: Nothing on this website constitutes personalised financial, legal, or taxation advice.

• No AFSL: We are not licensed under an Australian Financial Services Licence (AFSL).

• Informational Use Only: All tools, courses, products, and content are for general informational purposes and do not take your personal circumstances into account.
  You should consider seeking independent financial advice from a qualified professional before making financial decisions.

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3. Products & Services

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We offer both digital and physical products including planners, affirmation cards, digital downloads, courses, and coaching services.

• Digital products are non-refundable once accessed or downloaded.

• Physical goods are eligible for return under the Australian Consumer Law if they are faulty or not as described.

• Coaching services are for guidance only and are not therapy, counselling, or financial planning services.

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4. User Responsibilities

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You agree to:

• Use this website lawfully and respectfully.

• Not misuse, copy, or redistribute our content, tools, or downloads without permission.

• Accept that results from using our products and services may vary and are not guaranteed.

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5. Intellectual Property

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All content, products, branding, images, and resources on this site are the intellectual property of The Fiscal Phoenix. You may not reproduce, copy, or exploit any material without express written permission.

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6. Privacy

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Your privacy is important to us. We collect and handle your data in accordance with our Privacy Policy. By using this website, you consent to the collection and use of information as outlined.

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7. Third-Party Links & Affiliate Disclosure

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We may include links to third-party sites or affiliate services (e.g., Wise, financial apps).

• We are not responsible for the content or services provided by third parties.

• We may receive a commission if you choose to purchase through our affiliate links, at no additional cost to you.

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8. Limitation of Liability

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To the fullest extent permitted by law, The Fiscal Phoenix and its representatives disclaim all liability for any loss or damage (direct, indirect, or consequential) arising from your use of this website or reliance on its content.

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9. Changes to Terms

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These Terms & Conditions may be updated at any time without notice. Continued use of this site indicates acceptance of the current version.