1. Overview
These Terms and Conditions govern your use of the Thrive After 50 website, content, digital
products, and coaching services. By accessing or using any part of this website or engaging
with our services, you agree to be bound by these Terms.

2. Services Provided
Thrive After 50 provides educational content, digital resources, and coaching services
focused on budgeting, financial awareness, and wellbeing. These services are not financial
advice.

3. No Financial Advice
All content is general in nature and does not take into account your personal financial
situation, objectives, or needs. Thrive After 50 does not hold a financial services licence and
does not provide financial product advice.

4. User Responsibility
You agree that you are responsible for your own financial decisions, actions, and results. You
should seek professional advice before making financial decisions.

5. Intellectual Property
All content, materials, downloads, and resources are the intellectual property of Thrive After
50 and may not be copied, reproduced, distributed, or shared without written permission.

6. Payments and Refunds
All payments for digital products and coaching services are final unless otherwise stated.
Refund policies (if applicable) will be clearly outlined at the point of purchase.

7. Limitation of Liability
To the fullest extent permitted by law, Thrive After 50 will not be liable for any loss or
damage arising from your use of this website, content, or services.

8. Third-Party Links
This website may contain links to third-party websites. Thrive After 50 is not responsible for
the content or practices of those sites.

9. Changes to Terms
We reserve the right to update these Terms at any time. Continued use of the website and
services constitutes acceptance of any changes.

10. Governing Law
These Terms are governed by the laws of Australia.