Last Updated: January 15, 2026
Educational content only. Not financial advice. This website provides general educational information about financial literacy and does not provide financial, investment, tax, or legal advice.
Welcome to the Mynd Money Coaching website (the "Website"), operated by Mynd Money Coaching, ABN 63 609 932 781, located at Beaumont SA 5066, Australia ("we," "us," or "our"). By accessing, browsing, or using this Website, you ("user," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms"). If you do not agree with any part of these Terms, you must discontinue use of the Website immediately.
You must be at least 16 years of age to use this Website. If you are under 16, you may only access the Website under the supervision of a parent or legal guardian who agrees to these Terms on your behalf. By continuing to use this Website, you confirm that you meet this age requirement or have appropriate parental or guardian consent.
These Terms apply to all visitors, users, and others who access or use the Website, including any content, functionality, and services offered on or through the Website, whether as a guest or a registered user (if applicable).
Mynd Money Coaching is an educational resource dedicated to improving general financial literacy among Australian residents. Through the Website, we provide written articles, educational guides, glossary entries, and informational content covering topics such as budgeting strategies, saving habits, responsible debt management, understanding interest and compound interest, inflation, basic taxation concepts in Australia, and introductory concepts of long-term investing from an educational perspective.
All content published on this Website is strictly educational in nature. Our materials are designed to help readers build a foundational understanding of common financial concepts using plain language, simple numerical examples, and definitions that are accessible to a general audience. The scope of our services is limited entirely to educational publishing and does not extend to financial planning, advisory services, portfolio management, tax preparation, legal counsel, or any form of personalised guidance.
We do not promote, endorse, recommend, or advertise any specific financial products, institutions, investment strategies, stocks, cryptocurrencies, funds, brokers, banks, loans, or service providers. The absence of a product or institution from our content should not be interpreted as a negative assessment, just as any mention of a general category of financial instruments for educational purposes should not be interpreted as a recommendation.
The content on this Website is provided for general educational and informational purposes only. It does not constitute, and should not be construed as, financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. Nothing on this Website should be interpreted as a recommendation to buy, sell, hold, or otherwise deal in any financial product or service.
Financial decisions are personal and depend on individual circumstances, including but not limited to your income, assets, liabilities, financial goals, risk tolerance, tax situation, and personal preferences. Before making any financial decision, we strongly recommend that you consult with a licensed and qualified financial adviser, accountant, tax agent, or other relevant professional who can provide personalised advice tailored to your specific circumstances.
While we endeavour to ensure that the information on this Website is accurate and current, we make no representations or warranties about the completeness, reliability, suitability, or accuracy of the content. Financial regulations, tax laws, interest rates, and economic conditions change frequently, and information that was accurate at the time of publication may no longer reflect current conditions. You should always verify any information independently before relying on it.
When using this Website, you agree to the following obligations and restrictions:
We reserve the right to take any action we deem appropriate if we believe your conduct violates these Terms or is harmful to other users, third parties, or our interests.
All content on this Website, including but not limited to text, articles, guides, glossary entries, graphics, logos, icons, images, design elements, page layout, software, and the compilation of all content, is the property of Mynd Money Coaching or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and its content for your personal, non-commercial educational purposes only. This licence does not include the right to modify, reproduce, distribute, display, perform, publish, license, create derivative works from, or sell any content obtained from the Website without our prior written consent.
The Mynd Money Coaching name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Mynd Money Coaching. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.
The Website and all content, materials, information, and services provided on the Website are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. To the fullest extent permitted by applicable Australian law, Mynd Money Coaching disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.
We do not warrant that the Website will be available at all times, that access will be uninterrupted, that the Website will be free of errors or defects, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or other harmful components.
We do not warrant that the educational content on the Website is complete, accurate, reliable, current, or error-free. Financial concepts, regulations, and economic conditions evolve, and we cannot guarantee that all content reflects the most current state of affairs. Any reliance you place on the information provided through the Website is strictly at your own risk.
The Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) provides certain consumer guarantees that cannot be excluded, restricted, or modified. Nothing in these Terms is intended to exclude, restrict, or modify any rights you may have under the Australian Consumer Law or any other applicable legislation that cannot be lawfully excluded, restricted, or modified.
To the maximum extent permitted by applicable Australian law, in no event shall Mynd Money Coaching, its directors, officers, employees, agents, contractors, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, business interruption, or any other intangible losses, arising out of or in connection with your use of or inability to use the Website or any content on the Website, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.
Without limiting the foregoing, our aggregate liability to you for all claims arising out of or relating to the use of the Website or any content shall not exceed the amount you paid, if any, to access the Website during the twelve (12) months preceding the claim. As the Website is provided free of charge, this cap on liability may be zero dollars.
You acknowledge that the educational nature of this Website means the content is intended as a learning resource and not as a basis for financial decision-making. Any financial decisions you make based on concepts or information encountered through the Website are made entirely at your own risk and responsibility.
You agree to defend, indemnify, and hold harmless Mynd Money Coaching, its directors, officers, employees, agents, contractors, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to legal fees) arising from: (a) your use of and access to the Website; (b) your violation of any provision of these Terms; (c) your violation of any third-party right, including any copyright, trademark, trade secret, or other intellectual property or proprietary right; (d) any claim that your conduct caused damage to a third party; or (e) any misuse of the educational content provided on the Website, including any reliance upon such content for financial decision-making without seeking independent professional advice. This indemnification obligation will survive the termination of these Terms and your use of the Website.
The Website may contain links to third-party websites, resources, or services that are not owned or controlled by Mynd Money Coaching. These links are provided solely for your convenience and informational purposes. We have no control over, and assume no responsibility for, the content, privacy policies, practices, accuracy, or opinions expressed on any third-party websites.
The inclusion of any link on the Website does not imply our endorsement, recommendation, or approval of the linked website or any association with its operators. You acknowledge and agree that Mynd Money Coaching 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 your use of or reliance on any content, goods, or services available on or through any third-party website. We encourage you to review the terms of use and privacy policies of any third-party websites you visit.
Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal information. By using the Website, you consent to the collection and use of information as described in our Privacy Policy. We encourage you to read the Privacy Policy carefully to understand our data handling practices. Our Privacy Policy forms an integral part of these Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of South Australia and the Commonwealth of Australia, without regard to conflict of law principles. You agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Website shall be brought exclusively in the courts of South Australia or the Federal Court of Australia sitting in Adelaide, South Australia.
You irrevocably submit to the exclusive jurisdiction of such courts and waive any objection to the exercise of jurisdiction by those courts on the grounds of forum non conveniens or on any other grounds. Nothing in this clause limits our right to take proceedings against you in any other court of competent jurisdiction.
In the event of any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, the parties agree to first attempt to resolve the dispute through good-faith informal negotiation. You agree to contact us at [email protected] with a written description of your concern, and we will endeavour to respond within a reasonable timeframe.
If the dispute cannot be resolved through informal negotiation within thirty (30) days of the initial written notice, either party may pursue resolution through mediation administered by a mutually agreed-upon mediator in Adelaide, South Australia. The costs of mediation shall be shared equally between the parties unless the mediator determines otherwise.
If mediation is unsuccessful, either party may then seek resolution through the courts of South Australia as set out in Section 11 of these Terms. Nothing in this dispute resolution clause prevents either party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction where necessary.
We may, at our sole discretion and without prior notice or liability, terminate or suspend your access to all or any part of the Website for any reason, including but not limited to a breach of these Terms. We may also remove or disable access to any content or materials on the Website at any time and for any reason.
Upon termination, your right to use the Website will cease immediately. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability. You may terminate your use of the Website at any time by simply discontinuing access.
We reserve the right to modify or replace these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where practicable, provide at least fourteen (14) days' notice before the new terms take effect. Notice may be provided by posting the updated Terms on the Website or through other reasonable means of communication.
Your continued use of the Website after the effective date of any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Website. We encourage you to periodically review this page for the latest information on our Terms of Use.
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable while preserving the original intent, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect. The failure of Mynd Money Coaching to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Mynd Money Coaching regarding your use of the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
If you have any questions, concerns, or feedback regarding these Terms of Use, please contact us using the following details:
Mynd Money Coaching
How we handle and protect your data, in compliance with Australian privacy expectations.
Our detailed educational content disclaimer and limitations on the information we provide.
Browse our free educational guides covering budgeting, saving, debt, and more.