Terms and Conditions

Wealth Maximiser Service and Website Terms and Conditions

Published: 02.08.24

Wealth Maximiser Service and Website Terms and Conditions

Wealth Maximiser –Service Terms and Conditions

Wealth Maximiser is operated by NobleOak Services Limited (“NobleOak”, “We” or “Our”) ACN 112 981 718 AFSL 286798, Level 4/ 44 Market Street Sydney 2000. Use of and access to Wealth Maximiser is subject to these Service Terms and Conditions which include any other notes, disclaimers and other terms and conditions. By using or accessing Wealth Maximiser you agree to be subject to the Service Terms and Conditions set out below.

These Service Terms and Conditions may be modified at any time by NobleOak. You agree to be bound by these Service Terms and Conditions as modified and appearing within the NobleOak website.

Access for Australian Residents within Australia Only

Wealth Maximiser is only for the use of persons accessing it from within Australia. The products and services described in this website are available for Australian citizens and residents of Australia only.

Other Restrictions on Use

Unfortunately, Wealth Maximiser is currently unavailable to people who are:

– temporary visa holders

– going through a marital or de facto relationship separation

– experiencing a major medical episode or critical illness

– earning more than $500,000 gross per year (based on individual income)

Wealth Maximiser packages

Gold

The Gold package includes:

– Three tailored wealth strategies

– A Strategy Session with a Wealth Coach, in which you determine which wealth strategy may be best for you

– A tailored year-long action plan based on your chosen strategy

– Monthly educational emails

– Monthly online Group Coaching sessions facilitated by a Wealth Coach

– 3 x Wealth Coach Check-in sessions annually

– The ability to update your goals and financial situation through the Wealth Maximiser website biannually (i.e. twice per year)

The Gold package does not include specific product recommendations, and may therefore not be suitable for you if you wish to receive comprehensive financial product advice with specific product recommendations.

Silver

The Silver package includes:

– Three tailored wealth strategies

– A Strategy Session with a Wealth Coach, in which you determine which wealth strategy may be best for you

– A tailored year-long action plan based on your chosen strategy

– Monthly educational emails

– Monthly online Group Coaching sessions facilitated by a Wealth Coach

– 1 x Wealth Coach Check-in session annually

The Silver package does not include specific product recommendations, and may therefore not be suitable for you if you wish to receive comprehensive financial product advice with specific product recommendations.

Bronze

The Bronze package includes:

– Three tailored wealth strategies

– A Strategy Session with a Wealth Coach, in which you determine which wealth strategy may be best for you

– A tailored year-long action plan based on your chosen strategy

– Monthly educational emails

– Three tailored wealth strategies

– Monthly online Group Coaching sessions facilitated by a Wealth Coach

The Bronze package does not include specific product recommendations or ongoing Wealth Coach Check-ins, and may therefore not be suitable for you if you wish to receive comprehensive financial product advice with specific product recommendations, or if you wish to have Check-in sessions with a Wealth Coach.

Further information about the Wealth Coach Strategy Session and Group Coaching sessions can be found at https://wealthmaximiser.com.au/pricing

Statement of Advice

Any personal advice given to you as part of Wealth Maximiser will be confirmed in a Statement of Advice, except where you have already received a Statement of Advice and the basis on which the further advice is not significantly different from the basis on which the previous advice was given.

Any personal advice provided to you in the course of or following a Group Coaching session will be recorded in a Record of Advice.

General Advice warning

To the extent that any advice you receive as part of Wealth Maximiser is general financial advice, you should consider your financial position, objectives and requirements before making any financial decisions on the basis of that advice.

Your obligations

By signing up to any Wealth Maximiser package, you agree and acknowledge that:

We rely on the information you provide to us. In providing information to us, you warrant that the information is accurate and complete.

As we will be contacting you by email we need to have your correct email address. If you are on a monthly subscription plan, we also need to have the correct banking details. You agree to notify us of any changes to your personal details, including bank and contact details, as soon as reasonably practicable.

Cancellation

You can cancel your subscription at any time by:

selecting ‘Cancel your plan’ on the Wealth Maximiser website; or

emailing us at [email protected].

Cancellation within 30 days

Monthly Subscription and Annual Subscriptions: If you have a subscription to Wealth Maximiser and choose to cancel your subscription within the first 30 days after signing up for the service, you will cease to have access to the service from the date you cancel your subscription and you will receive a full refund of any amounts paid for your subscription.

Cancellation after 30 days or more

Monthly Subscription: If you have a monthly subscription to Wealth Maximiser and choose to cancel your subscription after 30 days or more, you will continue to have access to the service, including any online Group Coaching sessions and any Wealth Coach sessions already scheduled, for a period of 30 days after the date you cancel your subscription. You will not receive a refund for payments already made in respect of your monthly subscription, however you will not be charged again after you cancel your subscription.

Annual Subscription: If you have an annual subscription to Wealth Maximiser and choose to cancel your subscription after 30 days or more, you will continue to have access to the service, including any online Group Coaching sessions and any Wealth Coach sessions already scheduled, for 30 days after the date you cancel your subscription. You will also be entitled to a refund for the remaining days in your subscription year, calculated based on the prorated daily rate of your package from the date you request cancellation.

This policy is in place to ensure fairness and transparency for our customers. For any inquiries or assistance regarding cancellations and refunds, please contact our customer support team at [email protected].

Inactive Account Policy

If you have a Bronze package, your account will be considered inactive if you have not:

– attended a Wealth Coach Strategy Session

– within 60 days of receiving your invitation to attend the session; or

– attended an online Group Coaching session

– within a period of 120 days.

If you have a Silver or Gold package, your account will be considered inactive if you have not:

– attended a Wealth Coach Strategy Session or Wealth Coach Check-in

– (as offered by your package) within 60 days of receiving your invitation to attend the session; or

– attended an online Group Coaching session

– within a period of 120 days.

If any of the conditions above are triggered, We will notify you of your inactive status. If We do not receive a response from you within 90 days of this notification, We will proceed to deactivate your account and cease any ongoing payments from the date of deactivation. If you have an annual payment plan, We will refund a pro-rated amount based on the remaining days in your subscription year.

If We are notified of your death by a next of kin or authorised representative, We will cease any ongoing monthly payments and refund any fees paid or charged between the date of death and notification. If you have an annual payment plan, We will refund a pro-rated amount to your nominated bank account based on the remaining days in your subscription year, calculated from the date of death.

This policy is implemented to manage inactive accounts effectively and ensure there are no fees being paid by inactive customers. For any inquiries or assistance regarding inactive accounts or refunds, please contact our customer support team at [email protected].

Downgrade Policy

If you have a Gold or Silver package and would like to downgrade your account, you can ask to change to either a Silver or Bronze package. If you are on a monthly subscription plan, you will be charged the new, lower, fee from the month following the date you requested the downgrade. Subsequently, you will be charged the cost of the new package on a monthly basis.

If you are on an annual subscription plan, you will receive a refund calculated on the basis of the pro-rated difference between your previous and new package costs, from the date you requested the downgrade, within 20 business days.

It is important to note that, subject to the Renewal provisions below, the date you downgraded your package will be taken to be the new anniversary date, meaning that if you are on an annual payment plan you will be charged again one year from the date you downgraded.

This policy is in place to facilitate account adjustments efficiently and ensure transparency in billing. Should you have any questions or need further clarification regarding downgrades and billing cycles, please contact our customer support team at [email protected].

Upgrade Policy

If you have a Silver or Bronze package and would like to upgrade your account, you can ask to change to either a Gold or Silver package. If you are on a monthly subscription plan, you will be charged the new, higher, fee from the month following the date you requested the upgrade. Subsequently, you will be charged the cost of a new package on a monthly basis.

If you are on an annual subscription plan, you will be invoiced for the price difference between your previous package and the new upgraded package, calculated on the prorated difference in the packages from the date you requested the upgrade.

Following an upgrade to Gold or Silver, you will be entitled to any Wealth Coach Check-in sessions associated with that package. You will receive an invitation to update your details on the website and, if applicable, book a Wealth Coach Check-in session.

It is important to note that, subject to the Renewal provisions below, the date you upgraded your package will be taken to be the new anniversary date, meaning that if you are on an annual payment plan you will be charged again one year from the date you upgraded.

This policy is implemented to facilitate smooth account upgrades and ensure clarity in billing procedures. For any inquiries or further information regarding upgrades and associated benefits, please contact our customer support team at [email protected].

Payment Decline Policy

In the event of a declined payment, we will make three manual attempts to process the payment over a period of seven days. If the payment remains unsuccessful after these attempts, your account will be temporarily deactivated.

Once you pay all outstanding fees, your account will be reactivated.

This policy is designed to ensure timely payment processing and to maintain the integrity of our services for all customers. If you have any questions or require assistance regarding payment issues and account reactivation, please reach out to our customer support team at [email protected].

Renewal

In the event that your package (Gold, Silver or Bronze) continues for more than 12 months, we will:

– provide you with a fee disclosure statement; and

– ask you to confirm in writing that you wish to renew the arrangement.

Termination

NobleOak reserves the right to terminate all services provided by and under Wealth Maximiser:

– immediately, in the event you are in material breach of any of these Service Terms and Conditions; or

– on 30 days’ written notice, in which case fees will be refunded as necessary on a pro-rated basis.

Disclaimer and Limitation of Liability

To the maximum extent permitted by law, NobleOak, its employees, officers and contractors and its controlled entities hereby exclude all liability for, and shall not be responsible for, any direct, indirect, incidental, consequential or other loss or damage (however arising) suffered or incurred by you as a result of:

– use of, reliance on or access to Wealth Maximiser including any of the material or information on it; and/or

– use of any calculators, items or material sourced or obtained through the NobleOak website.

Further, no express or implied representation or warranty is made as to the suitability, accuracy or currency of any material on the NobleOak website.

Tax considerations

Any taxation considerations contained within Wealth Maximiser are based on present laws and the continuation of these laws.

Notices

Any notices or communications should be sent to Wealth Maximiser by:

Post at GPO Box 4793, Sydney NSW 2001; or

Email at [email protected]

Any notice or communication will be deemed to be received:

if delivered by person, when it has been left at the relevant address;

if posted, two business days (or six business days, if posted outside Australia) after the date of posting to the addressee, irrespective of whether the notice is received or not; or

if by way of email, on the date and time shown on the email.

If delivery or receipt is not a business day or is after 4.00pm on a business day in New South Wales, the notice or communication is taken to have been delivered or received at 9.00am on the next business day.

General Conditions

You are not permitted to access or use Wealth Maximiser for any unlawful purpose. Wealth Maximiser and these Service Terms and Conditions are governed by the laws of the State of New South Wales and the Commonwealth of Australia, and any disputes arising from use of or access to Wealth Maximiser or in connection with these Service Terms and Conditions are governed exclusively by the jurisdiction of the courts of that State or the Commonwealth as the case may be. If any of these Service Terms and Conditions are found by a competent court to be invalid, unenforceable or illegal for any reason, such provisions shall be severed and the remaining Services Terms and Conditions will continue in full force and effect.

Wealth Maximiser – Website Terms and Conditions

The wealthmaximiser.com.au website (“Wealth Maximiser Website”) is owned by NobleOak Services Limited (“NobleOak”, “We” or “Our”) ACN 112 981 718 AFSL 286798, Level 4/ 44 Market Street Sydney 2000. Access to the Wealth Maximiser Website is subject to these Website Terms and Conditions which include any other notes, disclaimers and other terms and conditions. By using or accessing the Wealth Maximiser Website you agree to be subject to the Website Terms and Conditions below.

These Website Terms and Conditions may be modified at any time by NobleOak. You agree to be bound by these Website Terms and Conditions as modified and appearing within the NobleOak website.

Access for Australian Residents within Australia Only

This Wealth Maximiser Website is only for the use of persons accessing it from within Australia. The products and services described in this website are available for Australian citizens and residents of Australia only.

General Advice Warning

The information on the Wealth Maximiser website is of a general nature only and does not take into account your objectives, financial situation or needs. Before acting on any information on the Wealth Maximiser website you should consider whether it is appropriate having regard to your objectives, financial situation and needs.

Tax considerations

The taxation considerations contained on this website are based on present laws and the continuation of these laws.

Disclaimer and Limitation of Liability

– use of, reliance on or access to the Wealth Maximiser Website including any of the material or information on it; and/or

– use of any calculators, items or material sourced or obtained through the Wealth Maximiser website.

Further, no express or implied representation or warranty is made as to the suitability, accuracy or currency of any material on the Wealth Maximiser website.

Copyright, Intellectual Property and Links

No part of the Wealth Maximiser website or the material in it may be reproduced, extracted, published or distributed (unless specifically authorised by applicable law) without written permission of NobleOak. Copyright in Website content is owned by NobleOak unless otherwise indicated. Intellectual property rights in our logos and trademarks remains vested in NobleOak and you do not acquire any such rights in our logos or trademarks by virtue of your access or use of the Wealth Maximiser website.

You are not authorised to provide any web or other links to this Wealth Maximiser website without prior written permission from NobleOak. This Website may from time to time contain links to other websites (“sites”). Unless otherwise stated, NobleOak does not endorse the content in any other sites nor the organisation or entity providing the site. NobleOak does not accept any liability whatsoever in connection with your access to any site or use of information on any such site. NobleOak does not represent that material on any linked site does not infringe the intellectual property rights of a third party.

General Conditions

You are not permitted to access or use this website for any unlawful purpose. This NobleOak website and these Website Terms and Conditions are governed by the laws of the State of New South Wales and the Commonwealth of Australia, and any disputes arising from use of or access to the NobleOak Website or in connection with these Website Terms and Conditions are governed exclusively by the jurisdiction of the courts of that State or the Commonwealth as the case may be. If any of these Website Terms and Conditions are found by a competent court to be invalid, unenforceable or illegal for any reason, such provisions shall be severed and the remaining Website Terms and Conditions will continue in full force and effect.

Privacy

Please view our Privacy Policy for full details on how we handle your personal information.