Terms of Service

Last updated: June 24, 2025

1. Acceptance of Terms

By accessing and using the Knowledge Beacon website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, you should not access or use our website or services.

2. About Knowledge Beacon

Knowledge Beacon is an Australian business (ABN: 12 345 678 901) that provides debt management education and financial consulting services. Our services are designed to help individuals and families better understand and manage their financial obligations.

3. Services Description

3.1 Educational Services

We provide educational content, courses, and resources related to:

• Debt management strategies
• Financial planning and budgeting
• Credit repair guidance
• Financial literacy education

3.2 Consultation Services

We offer personalized financial consultation services including:

• Debt assessment and analysis
• Financial planning advice
• Budget creation and review
• Credit improvement strategies

4. Important Disclaimers

4.1 Not Financial Advice

Unless explicitly stated otherwise and provided by a licensed financial advisor, the information and services provided by Knowledge Beacon are for educational purposes only and do not constitute financial advice. You should consult with qualified financial professionals before making any financial decisions.

4.2 No Guarantee of Results

While we strive to provide high-quality education and guidance, we cannot guarantee specific financial outcomes or results. Individual results may vary based on personal circumstances, market conditions, and adherence to recommended strategies.

4.3 Not a Credit Repair Service

Knowledge Beacon is not a credit repair service. We provide education about credit repair strategies, but we do not directly negotiate with creditors or credit reporting agencies on your behalf.

5. User Responsibilities

5.1 Accurate Information

You agree to provide accurate, current, and complete information when using our services or contacting us. You are responsible for maintaining the accuracy of your information.

5.2 Confidentiality

You acknowledge that financial information discussed during consultations is confidential. You agree not to share proprietary methods, strategies, or materials provided by Knowledge Beacon without written permission.

5.3 Prohibited Uses

You agree not to use our website or services for:

• Illegal activities or fraudulent purposes
• Transmitting harmful or malicious content
• Attempting to gain unauthorized access to our systems
• Interfering with other users' experience
• Commercial purposes without explicit permission

6. Intellectual Property

6.1 Our Content

All content on our website, including text, graphics, logos, images, and software, is the property of Knowledge Beacon and is protected by Australian and international copyright laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display our content
• Create derivative works based on our content
• Use our content for commercial purposes
• Remove copyright or proprietary notices

7. Payment Terms

7.1 Service Fees

Fees for our services are as agreed upon at the time of engagement. Payment terms will be specified in your service agreement or invoice.

7.2 Refund Policy

Refunds are considered on a case-by-case basis. Generally:

• Educational materials are non-refundable once accessed
• Consultation services may be refundable within 48 hours if services have not been provided
• Refund requests must be made in writing

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these terms by reference.

9. Limitation of Liability

9.1 No Warranties

Our website and services are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9.2 Limitation of Damages

To the maximum extent permitted by law, Knowledge Beacon shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising from your use of our services.

9.3 Maximum Liability

Our total liability to you for any claims arising from our services shall not exceed the amount you paid for the specific service giving rise to the claim.

10. Indemnification

You agree to indemnify and hold harmless Knowledge Beacon, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our website or services
• Your violation of these terms
• Your violation of any rights of another party
• Any false or misleading information you provide

11. Termination

11.1 Termination by You

You may stop using our services at any time. Termination of services does not relieve you of any payment obligations for services already provided.

11.2 Termination by Us

We may terminate your access to our services immediately if you:

• Violate these terms of service
• Engage in fraudulent or illegal activities
• Fail to pay for services as agreed
• Abuse our staff or other users

12. Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, strikes, government actions, or technical failures.

13. Governing Law

These terms shall be governed by and construed in accordance with the laws of Victoria, Australia. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Victoria.

14. Consumer Rights

Nothing in these terms is intended to exclude, restrict, or modify any consumer rights that cannot be excluded under the Australian Consumer Law or other applicable consumer protection legislation.

15. Dispute Resolution

15.1 Initial Resolution

We encourage you to contact us first to resolve any disputes. Many concerns can be resolved through direct communication.

15.2 Mediation

If direct resolution is not possible, we agree to participate in mediation before pursuing formal legal action.

15.3 External Dispute Resolution

For financial service disputes, you may contact the Australian Financial Complaints Authority (AFCA) at afca.org.au.

16. Severability

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.

17. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes by:

• Posting updated terms on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

Continued use of our services after changes constitutes acceptance of the new terms.

18. Entire Agreement

These terms, together with our Privacy Policy and any signed service agreements, constitute the entire agreement between you and Knowledge Beacon regarding the use of our services.

19. Contact Information

If you have questions about these Terms of Service, please contact us: