Terms & Conditions
Last Updated: May 2025 Effective Date: May 10 2025 Version: 2.0 – Australia Only Website: teenmoneyacademy.com.au
01 - Acceptance of Terms
By accessing and using the Teen Money Academy website, enrolling in the program, and/or purchasing any services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.
These Terms Apply To
The Teen Money Academy website (teenmoneyacademy.com.au)
All courses, programs, and educational materials provided
All services offered by Teen Money Academy
All transactions and payments processed
02 - Australia-Only Program
2.1 Exclusive to Australia
Teen Money Academy operates exclusively within Australia. This Program is only available to residents of Australia, including all states and territories: New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania, Australian Capital Territory, and Northern Territory.
We do not offer this Program internationally, to non-Australian residents, outside Australian territories, or via international enrollment.
2.2 Verification of Residency
By enrolling, you confirm that you are an Australian resident, the student resides in Australia, you have an Australian address, and you are subject to Australian law. We reserve the right to verify residency and may cancel enrollment if residency cannot be confirmed.
2.3 Applicable Law
This Program is governed exclusively by Australian law, including:
Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth))
Privacy Act 1988 (Cth)
Applicable state and territory laws where the student resides
Australian Securities and Investments Commission (ASIC) regulations
2.4 Jurisdiction
All disputes will be resolved under Australian law. You submit to the exclusive jurisdiction of Australian courts and waive any objection to venue. No international arbitration or foreign courts apply.
03 - Definitions
"We," "Us," "Our," "Company" — Teen Money Academy (trading as Coastal Crown Group)
"You," "Your," "Student" — The person enrolling in the program (if under 18, their parent/guardian)
"Parent/Guardian" — The adult responsible for a student under 18 years of age
"Program" — The 8-week Teen Money Academy course
"Services" — All educational materials, videos, worksheets, community access, and coaching provided
"Personal Data" — Any information that identifies or could identify you
"Enrollment" — The act of purchasing and registering for the Program
"Australia" — All states and territories of the Commonwealth of Australia
04 - Eligibility & Parental Consent
4.1 Age Requirem
The Program is designed for teenagers aged 13–18 years old
Students under 18 must have parental/guardian consent to enroll
Parental consent is required in writing (via enrollment form)
By enrolling a student under 18, the parent/guardian confirms they have authority to consent
4.2 Parental Responsibility
Parents/guardians are responsible for supervising their teen's use of the Program
Parents/guardians are responsible for ensuring the teen's compliance with these Terms
Parents/guardians are liable for any breach of these Terms by their teen
Parents/guardians must provide accurate contact information and be reachable for program communications
4.3 Account Responsibility
Each student must create a unique account
Students are responsible for maintaining account confidentiality
Students must not share login credentials
We are not responsible for unauthorized account access
05 - Educational Disclaimer
IMPORTANT: Teen Money Academy teaches money habits and teen-level financial literacy. This is NOT financial, investment, tax, or legal advice.
5.1 Not Financial Advice
We do not provide:
Financial or investment advice
Tax or legal advice
Professional financial services
Credit or loan advice
5.2 Educational Purpose Only
The Program is intended to:
Build healthy money habits
Develop financial literacy
Encourage long-term financial thinking
Teach basic financial concepts
Introduce age-appropriate financial awareness
5.3 No Guarantees
We do not guarantee specific savings amounts, investment returns, financial outcomes, credit score improvements, loan approvals, or any specific financial results.
5.4 Professional Advice Required
For specific financial, investment, tax, or legal matters, students and parents should consult qualified professionals: financial advisors, tax accountants, lawyers, credit counselors, or financial counselors.
5.5 Limitation of Liability
We are not liable for any financial losses or gains, credit score changes, loan rejections, investment performance, tax consequences, or any financial decisions made based on the Program.
06 - Program Details & Pricing
6.1 Program Description
8 weeks of financial literacy content
Weekly video lessons (Loom recordings)
Interactive worksheets and exercises
Access to Skool community platform
Coaching support from Teen Money Academy coaches
Progress tracking via Teen Savings Tracker app
Certificate of completion
6.2 Pricing
$1497
AUD — inclusive of GST
Payment Method
Credit/Debit Card via Stripe
Currency
Australian Dollars (AUD)
Billing
One-time payment at enrollment
Hidden Fees
None — all costs disclosed upfront
6.3 What's NOT Included
One-on-one coaching (group support only)
Financial planning services
Investment or tax advice
Professional financial services
Extended support beyond 8 weeks
6.4 Price Changes
Prices are subject to change without notice. Changes apply to new enrollments only. Existing enrollments are not affected by price changes.
07 - Payment & Refunds
7.1 Payment Terms
Payment is due at time of enrollment
Payment is processed via Stripe (PCI DSS compliant)
We do not store credit card details
Payment confirmation will be sent via email
7.2 Refund Policy
Days 1–14
Full refund available (if course materials not accessed or less than one week completed)
After 14 Days
No refunds available. You retain access to all materials.
Email [email protected] within 14 days of enrollment
Include "Refund Request" in the subject line
Provide your enrollment details
Explain reason for refund (optional)
We will process within 5 business days, credited to original payment method
7.4 Consumer Guarantees
Under Australian Consumer Law, you have consumer guarantees that cannot be excluded. Services will be provided with due care and skill, fit for purpose, completed within a reasonable time, and of acceptable quality. If we fail to comply, you may be entitled to compensation.
08 - Intellectual Property
8.1 Our Intellectual Property
All content provided by Teen Money Academy is our intellectual property, including course materials, videos and recordings, worksheets and exercises, graphics and design, text and written content, curriculum and methodology, and all branding and logos.
8.2 License to Use
We grant you a limited, non-exclusive, non-transferable license to:
Access the Program for personal educational use
Download and print materials for personal use
Use materials during the 8-week program
8.4 Your Content
Any content you create (worksheets, posts, etc.) remains your intellectual property. It may be used by us for improvement purposes, or shared in community/testimonials with your permission.
09 - Community Conduct & Code of Conduct
9.1 Community Standards
The Skool community is a safe space for learning. All members must treat others with respect, use appropriate language, avoid harassment or bullying, respect privacy and confidentiality, and follow all community guidelines.
9.2 Prohibited Conduct
Harass, bully, or threaten others
Post offensive, discriminatory, or hateful content
Share personal information of others
Spam or advertise products/services
Share copyrighted content without permission
Impersonate others or engage in illegal activity
9.3 Consequences
Violations may result in a warning or removal of post, temporary or permanent suspension from community, termination of enrollment, or legal action where applicable.
10 - Limitation of Liability
10.1 Disclaimer of Warranties
To the extent permitted by Australian law, we provide the Program "as is" without warranties of any kind, express or implied, including merchantability, fitness for particular purpose, non-infringement, or accuracy or completeness.
10.2 Limitation of Liability
To the maximum extent permitted by Australian law, we are not liable for any indirect, incidental, special, or consequential damages, loss of profits, revenue, or data, loss of business opportunity, financial losses or gains, credit score changes, or any damages arising from use of or reliance on the Program.
10.3 Liability Cap
Our total liability under these Terms is limited to the amount you paid for the Program — $1497 AUD.
10.4 Exceptions
These limitations do not apply to death or personal injury, fraud or fraudulent misrepresentation, breaches of consumer guarantees under Australian Consumer Law, or any liability that cannot be excluded by law.
11 - Termination & Cancellation
11.1 Termination by You
Within 14 days for a full refund (see Section 7.2)
After 14 days with no refund
Email [email protected] with "Cancellation Request" in subject line
11.2 Termination by Us
We may terminate your enrollment if you violate these Terms and Conditions, engage in prohibited conduct, provide false information, are not an Australian resident, or engage in illegal activity or threaten/harass others.
11.3 Effect of Termination
Upon termination, your access to the Program is revoked, your account is closed, you lose access to materials, no refund is provided (except within the 14-day window), community posts remain archived, and we retain your data as required by law.
11.4 Survival
The following sections survive termination: Intellectual Property (Section 8), Limitation of Liability (Section 10), Governing Law (Section 15), confidentiality obligations, and indemnification.
12 - Privacy & Data Protection
12.1 Data Collection
We collect personal data including name, email, phone, address, date of birth (age verification), parent/guardian information (if under 18), payment information (processed by Stripe), course progress and activity, and community participation.
12.2 Data Usage
We use your data to deliver the Program, process payments, communicate with you, improve the Program, and comply with legal obligations.
12.3 Data Protection
Encryption (SSL/TLS)
Secure servers and access controls
Regular security audits
Incident response procedures
12.4 Your Rights
Access and correct your data
Request deletion of your data
Opt-out of communications
Data portability
Withdraw consent
For more details, see our Privacy Policy.
13 - Indemnification
You agree to indemnify and hold harmless Teen Money Academy from any claims, damages, or losses arising from your use of the Program, your violation of these Terms or of law, your infringement of third-party rights, your conduct in the community, or any content you post or share.
14 - Changes to Terms
14.1 Right to Modify
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website.
14.2 Notification
For material changes, we will notify enrolled students via email, post a notice on the website, provide 30 days notice where applicable, and allow withdrawal if you disagree.
14.3 Continued Use
Your continued use of the Program after changes constitutes acceptance of the updated Terms.
15 - Governing Law & Jurisdiction
15.1 Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of Australia, including the Australian Consumer Law (Competition and Consumer Act 2010 (Cth)), the Privacy Act 1988 (Cth), and applicable state and territory laws.
15.2 Jurisdiction
Exclusive jurisdiction lies with the Courts of Australia. You submit to the jurisdiction of Australian courts, waive any objection to venue, and agree that all disputes will be resolved under Australian law. No international arbitration applies.
15.3 No International Scope
If you are accessing this Program from outside Australia, you are not eligible to enroll, and these Terms do not apply to you.
16 - Contact Information
Business Name
Teen Money Academy
Company
Coastal Crown Group PTY LTD
Address
Gosford NSW Australia
ABN
20696083940
Appendix A
Consumer Guarantees Under Australian Consumer Law
Services will be provided with due care and skill
Services will be fit for the purpose made known to us
Services will be completed within a reasonable time
Services will be of acceptable quality
If we breach these guarantees:
You may be entitled to compensation
You may request the service be redone
You may request a refund
You may pursue legal action