Terms and conditions

Terms and Conditions 

Last updated: January 2021

Terms and Conditions for MyCents Learning operated by CommonCents Financial Planning Pty Ltd.  

By accessing or using the Service you agree to these Terms.


Any advice in this site is of a general nature only and has not been tailored to your personal circumstances. Please seek personal advice prior to acting on this information.


The Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website and the Services) are protected by copyright, trademarks, patents and other intellectual property rights and laws. In accessing the Website you agree that you will access the contents solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.


The Website may provide communication tools such as email, bulletin boards, chat areas, news groups, forums and/or other message or communication facilities (”the Services”) designed to enable you to communicate with others. Unless stated otherwise the Services are for your personal and non-commercial use only.


All purchased online courses are for your personal use and not to be shared with others.  This is to be fair to MyCents Learning for the time spent creating valuable content for you.  By purchasing the online courses it is expected that you will take action as recommended within the courses in order to facilitate your success.  Specific results after completing any course are not guaranteed and results may vary depending on the individual. 


If you are not satisfied with the course you may be entitled to a refund however you MUST contact nick@mycents.com.au within 30 days of completion of the entire course, and provide PROOF that you have completed each module, completed each exercise as directed, and taken action and documented the specific actions as recommended for success.    These actions may include actions such as compiling a budget, comparing actual spending with your budget, and any other reasonable steps necessary to implement the course learnings.  Each case will be reviewed independently and if it is determined that you have completed the course as required and you are still not satisfied, then you may receive a refund.  


Our Service may contain links to third­ party websites or services that are not owned or controlled by MyCents Learning.

MyCents Learning has no control over and assumes no responsibility for, the content, privacy policies, or practices of any third party websites or services. You further acknowledge and agree that MyCents Learning shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such websites or services.


Membership to the MyCents Learning platform or some paid online courses are billed on a subscription basis ("Subscription(s)"). If you subscribe to them you will be billed in advance on a recurring monthly basis.


We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.


We are committed to maintaining the privacy of our users and maintaining the security of any personal information received from you. If you register for any of the Services you will be asked to provide basic personal information. The information provided by you is not available for sale or use by third parties. The information is used solely for notifying you of changes or updates to the Website/Services. View full Privacy Policy


If a particular Service requires you to open an account you will be required to complete the registration process by providing certain information and registering a username and password for use with that Service. You are responsible for maintaining the confidentiality of the username and password and also for all activities which take place under your account. You agree to immediately notify us of any unauthorized use of your password or account or any other breach of security. In no event will MyCents Learning be liable for any indirect or consequential loss or damage whatsoever resulting from the disclosure of your username and/or password. You may not use another person’s account at any time, without the express permission of the account holder.


We have the right to terminate your access to any or all of the Services at any time, without notice, for any reason, including without limitation, breach of these Terms and Conditions. We may also at any time, at our sole discretion, discontinue the Website/Services or any part thereof without prior notice and you agree that we shall not be liable to you or any third party for any termination of your access to the Website/Services.


You agree to indemnify and hold MyCents Learning harmless from and against any breach by you of these Terms and Conditions and any claim or demand brought against MyCents Learning by any third party arising out of your use of the Services and/or any Content submitted, posted or transmitted through the Services, including without limitation, all claims, actions, proceedings, losses, liabilities, damages, costs, expenses (including reasonable legal costs and expenses) howsoever suffered or incurred by MyCents Learning in consequence of your breach of these Terms and Conditions.


Use of the Website/Services is at your own risk. The Website/Services are provided on an “AS IS” and “AS AVAILABLE” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

To the extent permitted by law, MyCents Learning will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website/Services.

MyCents Learning makes no warranty that the Website/Services will meet your requirements, that Content will be accurate or reliable, that the functionality of the Website/Services will be uninterrupted or error-free, that defects will be corrected or that the Website/Services or the server that makes them available are free of viruses or anything else which may be harmful or destructive.

Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of MyCents Learning for death or personal injury as a result of the negligence of MyCents Learning.

Nothing in these Terms and Conditions shall affect your statutory rights as a consumer.

Contact Us

If you have any questions about these Terms, please contact us on nick@mycents.com.au