Terms & Conditions

1. About these terms

These Terms & Conditions govern your use of the iPride Solutions website at the domain on which they are published, and any coaching, education, mentoring, lead magnets, quizzes, downloads, newsletters and related services we provide ("the Services"). By using the website or engaging the Services, you agree to these terms. If you don't agree, please don't use the site or the Services.

2. Who we are and what we do

iPride Solutions Pty Ltd is an Australian financial education and coaching practice. We work with two-person households on shared financial decision-making, behavioural change and the structure of joint financial conversations. Our work is education-only, see clause 3.

3. Education-only: what we do NOT do

iPride Solutions Pty Ltd provides financial education, mentoring and coaching only. We do not hold an Australian Financial Services Licence (AFSL) and we do not provide personal financial product, investment, tax or credit advice. The information on this site is general in nature and does not take into account your personal objectives, financial situation or needs. Before making any financial decision, consider whether it is appropriate for you and seek advice from a licensed professional.

Where you need licensed advice, we will refer you to a named partner and disclose the nature of any arrangement we have with them.

4. Dual-engagement: the both-partners clause

This is the clause that makes iPride iPride. Because our Services are designed for two-person households, the following applies to every paid engagement:

4.1 Both partners are the client. When a household engages iPride Solutions, both partners are jointly the client. The engagement is with the household, not with either individual partner alone.

4.2 Both partners must consent. Both partners must explicitly consent to the engagement before any paid session begins. Consent is captured in writing (typically via the joint onboarding form) and includes consent to be in the room together, to share financial information with iPride and with each other in the context of the work, and to be jointly named on every artefact produced.

4.3 Either partner may withdraw. Either partner may withdraw consent to the engagement at any time, in writing, without giving a reason. If one partner withdraws, the engagement ends. We will not continue to deliver the Services to the remaining partner under the same engagement, because the Services are not designed to be delivered to one partner only. Any unused, pre-paid portion of the fee will be refunded on a pro-rata basis per clause 7.

4.4 No solo sessions, no solo plans.We do not run paid one-on-one sessions where the other partner is excluded by design. Brief check-ins with one partner between joint sessions are part of normal practice and are not "solo work"; the artefacts and decisions remain joint.

4.5 Disputes between partners. iPride is a coaching practice, not a mediator and not a relationship counsellor. If a serious dispute arises between the two of you that the coaching framework is not designed to hold, we will pause the engagement and refer you to appropriately qualified professionals (e.g. a couples counsellor or family lawyer). Your relationship with each other is not within scope of these terms.

5. Use of the website

You may use the website for personal, non-commercial purposes. You agree not to:

• Use the site or Services to break any Australian law.
• Reproduce, republish, resell or commercially exploit any content without our written permission.
• Attempt to access parts of the site you're not authorised to access.
• Upload anything that's defamatory, harassing, infringing, or otherwise unlawful.
• Use automated tools to scrape, harvest or systematically extract content.

We may suspend or terminate your access if you breach these terms.

6. Intellectual property

The Two-Names Plan™ name, the iPride Solutions name and logo, the coaching framework, the quiz, the lead magnets, the artefact templates, and all written and visual content on the site are owned by iPride Solutions Pty Ltd or licensed to us. You receive a personal, non-transferable, non-exclusive licence to use materials we deliver as part of your engagement, for your household's use. You may not redistribute them, repackage them, or use them to run a competing coaching practice.

Your own information (financial figures, conversations, anything personal to your household) remains yours. We never claim ownership of that. See the Privacy Policy.

7. Fees, payment, refunds

7.1 Fees. Our fees are published on the relevant Services page on the site, or quoted in writing before any paid engagement starts. No charges are made without your explicit agreement.

7.2 Payment. Payment terms are stated on the invoice. Most engagements are paid in advance per session block, or per program.

7.3 Cooling-off and refunds. You have a 14-day cooling-off period from the date of payment for any program of 60 days or longer, during which you may cancel for any reason and receive a refund less any sessions already delivered. For shorter engagements, refunds are at our reasonable discretion, except where Australian Consumer Law guarantees apply (which it always does, these terms do not displace your statutory rights).

7.4 Withdrawal under clause 4.3. Where one partner withdraws consent and the engagement ends as a result, the unused portion of the fee is refunded on a pro-rata basis within 14 business days.

7.5 Missed sessions.Sessions missed without 24 hours' notice are forfeited. We're reasonable about life happening (illness, family emergencies, work crises) and we will reschedule in good faith where you let us know.

8. Lead magnets, quizzes, newsletter

The Couples Money Compatibility Quiz, our newsletter, downloadable PDFs and any other free resources are provided for general educational purposes only. Taking the quiz or signing up for the newsletter does not create a coaching engagement and does not entitle you to the Services described elsewhere on the site.

You may unsubscribe from the newsletter at any time using the link in any email we send.

9. Testimonials and case studies

Where we publish testimonials, case studies or outcome examples, the people quoted have given written permission for the content, the names (or initials), the suburb and any figures shared. Past outcomes are not a promise of future outcomes for your household.

10. Third-party links and referral partners

The site may link to third-party tools, articles or service providers. We don't control those sites and we're not responsible for their content, policies or conduct. Where we refer you to a licensed partner for product advice, we will disclose the nature of any arrangement (financial or otherwise) we have with them.

11. Limitation of liability

To the maximum extent permitted by Australian law, iPride Solutions Pty Ltd's total liability to you arising from or in connection with the Services or these terms is limited to the fees you have paid us in the 12 months before the event giving rise to the claim. We are not liable for indirect, consequential or special loss, including loss of profit, loss of opportunity, loss of data, or loss of goodwill.

Nothing in this clause limits any guarantee, right or remedy that you have under the Australian Consumer Law or any other legislation that cannot lawfully be limited.

12. Indemnity

You agree to indemnify iPride Solutions Pty Ltd against any loss we suffer because you have breached these terms, broken the law, or infringed the rights of a third party in connection with your use of the site or the Services.

13. Changes to these terms

We may update these terms from time to time. The current version will always be on this page, with the "Last updated" date at the top. Material changes will be flagged in the newsletter or by email to active clients.

14. Governing law

These terms are governed by the laws of the State of New South Wales (the state in which iPride Solutions Pty Ltd is registered). You and we both agree to the non-exclusive jurisdiction of the courts of that state.

15. How to contact us about these terms

Questions, complaints, or requests in relation to these terms:

Email: hello@ipridesolutions.au

We respond within one business day.