Terms and Conditions

  1.  About the Website

1.1.  Welcome to http://finlit.co (the ‘Website‘). The Website is operated by FINLIT (Charles Coverdale trading as FINLIT – ABN: 65199232421) (we, us or our); and the services provided through the Website (the ‘Services’), namely:

  1. Australian Business Number (ABN) registration;
  2. Invoicing services;
  3. Insurance brokerage
  4. Superannuation brokerage
  5. such other services that we may provide from time to time;

1.2.   Access to and use of the Website, or any of its associated Products or Services, is provided by us. Please read these terms and conditions (the ‘Terms‘) carefully. By using, browsing and/or reading the Website, this signifies that you have read, understood and agree to be bound by the Terms. If you do not agree with the Terms, you must cease usage of the Website, or any of Services, immediately.

1.3.   We reserves the right to review and change any of the Terms by updating this page at its sole discretion. When we updates the Terms, it will use reasonable endeavours to provide you with notice of updates to the Terms. Any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Terms for your records.

  1.  Acceptance of the Terms

You accept the Terms by remaining on the Website. You may also accept the Terms by clicking to accept or agree to the Terms where this option is made available to you by we in the user interface.

  1. Subscription to use the Services

3.1.     In order to access the Services, you must first purchase a subscription through the Website (the ‘Subscription‘) and pay the applicable fee for the selected Subscription (the ‘Subscription Fee‘).

3.2.     In purchasing the Subscription, you acknowledge and agree that it is your responsibility to ensure that the Subscription you elect to purchase is suitable for your use.

3.3.     Once you have purchased the Subscription, you will then be required to register for an account through the Website before you can access the Services (the ‘Account‘).

3.4.     As part of the registration process, or as part of  your continued use of the Services, you may be required to provide personal information about yourself (such as identification or contact details), including:

(a)        an email address

(b)    preferred username
(c)        a mailing address

(d)    a telephone number

(e)    an Australian Business Number (ABN)
(f) a billing address

(g) bank account number and BSB

(h)        Other personal information specified in the Privacy Policy (finlit.co/privacy)

3.5.     You warrant that any information you give to us in the course of completing the registration process will always be accurate, correct and up to date.

3.6.     Once you have completed the registration process, you will be a registered member of the Website (‘Member‘) and agree to be bound by the Terms. As a Member you will be granted immediate access to the Services from the time you have completed the registration process until the subscription period expires (the ‘Subscription Period‘).

3.7. You may not use the Services and may not accept the Terms if:

(a)    you are not of legal age to form a binding contract with us; or

(b)    you are a person barred from receiving the Services under the laws of Australia or other countries including the country in which you are resident or from which you use the Services.

  1. Limitations on use

4.1. We agree that you will have a licence to use the products that you order using our service.

4.2. In relation to your use of our service and the products you order, you agree that:

(a) you must not use any part of the documents in connection with creating another document;

(b) you must not use any part of the products for any purpose except the specific purpose for which they were ordered;

(c) you must not copy any part of the documents for any purpose except in relation to the transaction for which they were ordered;

(d) you must not modify the products in any way after they are sent to you;

(e) you must not interfere with, alter or attempt to copy or reproduce any part of our service or the products you order while using them;

(f) you must not incorporate any part of our service in any other program, system or document creation package; and

(g) you must not represent that the documents ordered using our service were created by your own resources, or those of a third party (other than our resources or those of anyone else who signs-off and endorses for us the master documents from which your documents are generated).

  1.   No legal advice

5.1. You agree that:

(a)         we cannot, and do not, give you legal advice;

(b)         the company that owns and operates finlit.co (Charles Coverdale trading as FINLIT) is not a law firm;

(c)         our service provides information to help you answer the questions and to order a product and that that information is information only, not advice;

(d)         we can not and do not warrant that a product you decide to order is appropriate or suits your needs;

(e)         we can not and do not warrant that your use of our service is appropriate or suits your needs;

(f)         the legal, commercial and taxation effects of a product vary and a product’s suitability will therefore vary according to particular circumstances;

(g)         only you know the purpose for which you intend to apply a product you order and that we are not responsible for the choice you make regarding the product that you order;

(h)        you must consult with a lawyer (not us) for advice concerning the suitability of a product you order using our service;

(i) we cannot make a judgement on your employment status as a contractor, employee, or otherwise; this decision remains with the firm that has hired your services

(j) we take no responsibility and are not liable if your employment status with the firm hiring you is incorrect;

(k)          we do not provide the information, commentary, advice and other documents (including sample letters) which appear on our website; and

(l)         we disclaim responsibility for the information, commentary, advice and other documents (including sample letters) referred to in paragraph 6(j).

  1.         Your obligations as a Member

4.1. As a Member, you agree to comply with the following:

(a)    you will use the Services only for purposes that are permitted by:

(i)         the Terms; and

(ii)        any  applicable  law,  regulation  or  generally  accepted  practices  or guidelines in the relevant jurisdictions;

(b)    you have the sole responsibility for protecting the confidentiality of your password and/or email address. Use of your password by any other person may result in the immediate cancellation of the Services;

(c)    any use of your registration information by any other person, or  third parties, is strictly prohibited. You agree to immediately notify us of any unauthorised use of your password or email address or any breach of security of which you have become aware;

(d)    access and use of the Website is limited, non-transferable and allows for the sole use of the Website by you for the purposes of our Services;

(e)    you will not use the Services or the Website in connection with any commercial endeavours except those that are specifically endorsed or approved by the management of us;

(f)        you will not use the Services or Website for any illegal and/or unauthorised use which includes collecting email addresses of Members by electronic or other means for the purpose of sending unsolicited email or unauthorised framing of or linking to the Website;

(g)    you agree that commercial advertisements, affiliate links, and other forms of solicitation may be removed from the Website without notice and may result in termination of the Services. Appropriate legal action will be taken by us for any illegal or unauthorised use of the Website; and

(h)    you acknowledge and agree that any automated use of the Website or its Services is prohibited.

  1.         Payment

5.1.     Where the option is given to you, you may make payment of the Subscription Fee by way of:

(a)       Electronic funds transfer (‘EFT‘) into our nominated bank account

(b)    Credit Card Payment (‘Credit Card‘)

5.2.     All payments made in the course of your use of the Services are made using Stripe (‘Stripe‘). In using the Website, the Services or when making any payment in relation to your use of the Services, you warrant that you have read, understood and agree to be bound by the Stripe terms and conditions which are available on their website.

5.3.     You acknowledge and agree that where a request for the payment of the Subscription Fee is returned or denied, for whatever reason, by your financial institution or is unpaid by you for any other reason, then you are liable for any costs, including banking fees and charges, associated with the Subscription Fee.

5.4.     You agree and acknowledge that we can vary the Subscription Fee at any time and that the varied Subscription Fee will come into effect following the conclusion of the existing Subscription Period.

  1.         Refund Policy

We will only provide you with a refund of the Subscription Fee in the event they are unable to continue to provide the Services or if the manager of us makes a decision, at its absolute discretion, that it is reasonable to do so under the circumstances. Where this occurs, the refund will be in the proportional amount of the Subscription Fee that remains unused by the Member (the ‘Refund‘).

  1.         Copyright and Intellectual Property

7.1.     The Website, the Services and all our related products are subject to copyright. The material on the Website is protected by copyright under the laws of Australia and through international treaties. Unless otherwise indicated, all rights (including copyright) in the Services and compilation of the Website (including but not limited to text, graphics, logos, button icons, video images, audio clips, Website, code, scripts, design elements and interactive features) or the Services are owned or controlled for these purposes, and are reserved by us or the contributors.

7.2.     All trademarks, service marks and trade names are owned, registered and/or licensed by us, who grants to you a worldwide, non-exclusive, royalty-free, revocable license whilst you are a Member to:

(a)       use the Website pursuant to the Terms;

(b)       copy and store the Website and the material contained in the Website in your device’s cache memory; and

(c)       print pages from the Website for your own personal and non-commercial use.

We does not grant you any other rights whatsoever in relation to the Website or the Services. All other rights are expressly reserved by us.

7.3.     We retains all rights, title and interest in and to the Website and all related Services.  Nothing you do on or in relation to the Website will transfer any:

(a)    business name, trading name, domain name, trade mark, industrial design, patent, registered design or copyright, or

(b)    a right to use or exploit a business name, trading name, domain name, trade mark or industrial design, or

(c)    a thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process),

to you.

7.4.     You may not, without our prior written permission and the permission of any other relevant rights owners: broadcast, republish, up-load to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the Services or third party Services for any purpose, unless otherwise provided by these Terms. This prohibition does not extend to materials on the Website which are freely available for re-use or are in the public domain.

  1.         Privacy

8.1.     We takes your privacy seriously and any information provided through your use of the Website and/or Services are subject to our Privacy Policy, which is available on the Website (finlit.co/privacy).

  1.         General Disclaimer

9.1.     Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded.

9.2. Subject to this clause, and to the extent permitted by law:

(a)    all terms, guarantees, warranties, representations or conditions which are not expressly stated in the Terms are excluded; and

(b)    We will not be liable for any special, indirect or consequential loss or damage (unless such loss or damage is reasonably foreseeable resulting from our failure to meet an applicable Consumer Guarantee), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the Services or these Terms (including as a result of not being able to use the Services or the late supply of the Services), whether at common law, under contract, tort (including negligence), in equity, pursuant to statute or otherwise.

9.3.  Use of the Website and the Services is at your own risk. Everything on the Website and the Services is provided to you “as is” and “as available” without warranty  or  condition  of  any  kind.  None  of  our  affiliates,  directors,  officers, employees, agents, contributors and licensors make any express or implied representation or warranty about the Services or any products or Services (including our products or Services) referred to on the Website. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:

(a)    failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records;

(b)    the accuracy, suitability or currency of any information on the Website, the Services, or any of its Services related products (including third party material and advertisements on the Website);

(c)    costs incurred as a result of you using our Website, our Services or any of our products; and

(d)    the Services or operation in respect to links which are provided for your convenience.

  1.      Limitation of liability

10.1.  Our total liability arising out of or in connection with the Services or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the Services to you.

10.2.  You expressly understand and agree that we, our affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you, however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.

10.3  Even if you claimed to be a contractor when you are not, it’s not our responsibility

  1.      Termination

11.1.  The Terms will continue to apply until terminated by either you or by us as set out below.

11.2.  If you want to terminate the Terms, you may do so by:

(a)    not renewing the Subscription prior to the end of the Subscription Period;

(b)    providing us with 10 days’ notice of your intention to terminate; and

(c)    closing your accounts for all of the services which you use, where we have made this option available to you.

Your notice should be sent, in writing, to us via the ‘Contact Us’ link on our homepage.

11.3.  We may at any time, terminate the Terms with you if:

(a)       you do not renew the Subscription at the end of the Subscription Period;

(b)    you have breached any provision of the Terms or intend to breach any provision;

(c)       we are required to do so by law;

(d)    the provision of the Services to you by us is, in our opinion, no longer commercially viable.

11.4.  Subject to local applicable laws, we reserve the right to discontinue or cancel your membership at any time and may suspend or deny, in its sole discretion, your access to all or any portion of the Website or the Services without notice if you breach any provision of the Terms or any applicable law or if your conduct impacts our name or reputation or violates the rights of those of another party.

  1.      Indemnity

12.1.  You agree to indemnify us, our affiliates, employees, agents, contributors, third party content providers and licensors from and against:

(a)    all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred, suffered or arising out of or in connection with Your Content;

(b)    any direct or indirect consequences of you accessing, using or transacting on the Website or attempts to do so; and/or

(c)       any breach of the Terms.

  1.      Venue and Jurisdiction

The Services offered by us is intended to be viewed by residents of Australia. In the event of any dispute arising out of or in relation to the Website, you agree that the exclusive venue for resolving any dispute shall be in the courts of Queensland, Australia.

  1.      Governing Law

The Terms are governed by the laws of Queensland, Australia. Any dispute, controversy, proceeding or claim of whatever nature arising out of or in any way relating to the Terms and the rights created hereby shall be governed, interpreted and construed by, under and pursuant to the laws of Queensland, Australia, without reference to conflict of law principles, notwithstanding mandatory rules. The validity of this governing law clause is not contested. The Terms shall be binding to the benefit of the parties hereto and their successors and assigns.

  1.      Independent Legal Advice

Both parties confirm and declare that the provisions of the Terms are fair and reasonable and both parties having taken the opportunity to obtain independent legal advice and declare the Terms are not against public policy on the grounds of inequality or bargaining power or general grounds of restraint of trade.

  1.      Severance

If any part of these Terms is found to be void or unenforceable by a Court of competent jurisdiction, that part shall be severed and the rest of the Terms shall remain in force.