These Terms of Use (the “Terms”) govern your use of and access to www.michellerankin.com.au and its sub-domains and affiliated sites, pages and accounts on ivorey.io, Facebook, Instagram, Pinterest and LinkedIn (the “Sites”).

For the purposes of these terms and conditions, “Us”, “Our” and “We” refers to michellerankin.com.au and “You” and “Your” refers to you, the client, visitor, website user or person using our website.

By using any or all of the Sites, you accept and agree to be bound by these Terms and Conditions which together with our privacy policy and website disclaimer govern michellerankin.com.au’s relationship with you in relation to your use of these Sites. If you do not agree to be bound by these Terms, you must cease using the Sites immediately.

AMENDMENT OF TERMS

We reserve the right to change, modify, add or remove portions of these terms at any time. Please check these terms regularly prior to using our website to ensure you are aware of any changes. We will endeavour to highlight any significant or substantive changes to you where possible. If you choose to use our website then we will regard that use as conclusive evidence of your agreement and acceptance that these terms govern your and michellerankin.com.au’s rights and obligations to each other.

SITE CONTENT AND OPERATION

Michelle Rankin exclusively owns and controls the Sites, which provides information about our products and services and may, from time to time, provide access to educational materials pertaining to web design, online business and marketing, etc. You agree that, use or access to any or all of the Sites does not, standing alone, create any sort of representation or future promise as to availability. The unauthorised reproduction, use of, or theft of any content, written, photographic, video or otherwise, is expressly prohibited.

Our Sites are intended for use by persons who are a minimum of 18 years old. You must not copy, share, or disseminate the information on our Sites which are subject to copyright for which all rights are reserved.

We do not represent that the content on our Sites will be available or appropriate in all locations worldwide. Our Sites are written in English, and we do not take responsibility for any translations which are applied to our Sites.

The general accessibility elements of our Sites are available free of charge. Albeit we do have coaching and courses which can be accessed in consideration for payment of the coaching and course fee. We do not guarantee the availability of any of our Sites or the content. We reserve all rights to withdraw, suspend or restrict the content at any time for any reasons. Where possible, we will give you reasonable notice if the Sites are to be suspended.

We do not guarantee that the Sites will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programs and platform to access our Sites. You should use your own virus protection software.

ARTIFICIAL INTELLIGENCE (“AI”) DISCLAIMER

We may use AI technology to supplement or enhance content throughout the Sites and related materials. This may include, but is not limited to, AI-generated images, audio, or text ("AI-Generated Content"). However, while these tools may be used to suggest or enhance Site Content, all published content on the Sites or correspondence is wholly human, including but not limited to all opinions, thoughts, and ideas. As such, we expressly retain all copyright ownership to the Site Content. By visiting the Sites, you agree and acknowledge that we are not required to notify you when or how AI technologies are used.

While we have made reasonable efforts to ensure the accuracy and completeness of AI-Generated Content, you agree and understand that we expressly disclaim the accuracy of AI-Generated Content, including any and all liability for any errors or omissions in the Content produced by AI technology, and expressly advise that you exercise caution when relying on such content. As with all Site Content, you agree that use or access to any of the information provided on or knowledge gleaned from the Sites, including AI-Generated Content, does not create any sort of representation or future promise, and that use of any AI-Generated Content on the Sites is at your own risk.

We reserve the right to modify or remove any AI-Generated Content at any time without notice. If you have any questions or concerns about the accuracy of AI-generated content, please contact us at [email protected] for more information.

COMPETITION AND CONSUMER ACT

For the purposes of Schedule 2 of the Australian Consumer Law, in particular Sections 51 to 53, 64 and 64A of Part 3-2, Division 1, Subdivision A of the Competition and Consumer Act 2010 (Cth), michellerankin.com.au’s liability for any breach of a term of this agreement is limited to: the supplying of the goods or services to you again; the replacement of the goods; or the payment of the cost of having the goods or services supplied to you again.

You must be over 18 years of age to use this website and sites and to purchase any goods or services.

DELIVERY OF GOODS

Physical goods may be delivered by Australia Post and/or other reputable courier companies. Deliveries are processed promptly upon receipt of full payment. Delivery may take between 2 and 14 days, depending on the delivery option. Damaged or lost orders should be resolved with Australia Post or the courier company directly and we are not responsible for goods that are damaged in transit or not received. Replacement of damaged or lost items is made at the discretion of michellerankin.com.au

Digital goods are delivered immediately. Please be aware there are inherent risks associated with downloading any software and digital goods. Should you have any technical problems downloading any of our goods, please contact us so we may try to assist you.

LINKS TO OTHER WEBSITES

michellerankin.com.au may from time to time provide on its sites, links to other websites, advertisements and information on those websites for your convenience. This does not necessarily imply sponsorship, endorsement, or approval or arrangement between michellerankin.com.au and the owners of those websites. michellerankin.com.au takes no responsibility for any of the content found on the linked websites. Any affiliate links that we link on the Sites will be clearly marked; however, we encourage you to reach out to us with any questions you may have regarding affiliate links.

michellerankin.com.au’s website and sites may contain information or advertisements provided by third parties for which michellerankin.com.au accepts no responsibility whatsoever for any information or advice provided to you directly by third parties. We are making a ‘recommendation’ only and are not providing any advice nor do we take any responsibility for any advice received in this regard.

Linking to our sites. Anyone linking to the Sites must comply with all applicable laws and must not: (i) misrepresent its relations with Michelle Rankin; (ii) present false and misleading information about michellerankin.com.au or (iii) contain content that is reasonably considered profanity, offensive, defamatory, vulgar, or unlawful.

DISCLAIMER

The sites are provided on an "as is" and "as available" basis, without warranty of any kind but within the scope of the following limitation of liability clause. michellerankin.com.au, together with its affiliates, licensors, service providers, employees, agents, officers or directors (the "released parties"), specifically disclaim all warranties, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose other than agreed, and non- infringement and warranties that may arise out of course of dealing, course of performance, usage or trade practice. The released parties do not guarantee the reliability, accuracy, completeness, safety, timeliness, legality, usefulness, adequacy or suitability of any of the information or content on the sites. Accordingly, you agree to exercise caution, discretion and common sense when using the sites. The risk for use of the site is borne by you.

PLEASE ESPECIALLY NOTE: Data communication via internet cannot be guaranteed to be error-free and/or available at all times. We cannot guarantee constant and continuous availability of our online systems.

LIMITATION OF LIABILITY: Nothing in this disclaimer will limit or exclude any liability for death or personal injury resulting from negligence, limit or exclude any liability for fraud or fraudulent misrepresentation, limit any liabilities in any way that is not permitted under applicable law; or exclude any liabilities that may not be excluded under applicable law.

michellerankin.com.au gives no warranty that the documents, goods or services will be free of errors, or that defects will be corrected, or that our sites or its server is free of viruses or any other harmful components.

Whilst we, at all times endeavour to have the most accurate, reliable and up-to-date information on our sites, we do not warrant or make any representations regarding the use or the result of the use of any document, product, service, link or information in its website or sites or as to their correctness, suitability, accuracy, reliability, or otherwise.

It is your sole responsibility and not the responsibility of michellerankin.com.au to bear any and all costs of servicing, repairs, or correction. The applicable law in your state or territory may not permit these exclusions, particularly the exclusions of some implied warranties. Some of the above may not apply to you but you must ensure you are aware of any risk you may be taking by using this website or any products or services that may be offered through it. It is your responsibility to do so.

YOUR PRIVACY

At michellerankin.com.au, we are committed to protecting your privacy. We use the information we collect about you to maximise the services that we provide to you. alyssamartin.com respects the privacy and confidentiality of the information provided by you and adheres to the Australian Privacy Principles. Please read our separate Privacy Policy carefully.

You may change your details at any time by advising us in writing via email. All information we receive from our customers, is protected by our secure servers. michellerankin.com.au’s secure server software encrypts all customer information before it is sent to us. Furthermore, all of the customer data michellerankin.com.au collects is secured against unauthorised use or access. Credit card information is not stored by us on our servers.

INTELLECTUAL PROPERTY

Unless explicitly stated otherwise, as between you and michellerankin.com.au. Michelle Rankin owns all rights, title, and interest in and to the Sites, including, without limitation, graphics, site content, design, organization, compilation and other matters related to or included on the Sites.

Our name, Michelle Rankin and all related names, product and service names, logos, slogans and designs are our trade marks and you may not use these marks without our prior written permission. All other names, logos, product and service names, designs and slogans on the Sites are the trade marks of their respective owners and should not be used without those respective owners' permission.

THIRD PARTIES

michellerankin.com.au does not and will not sell or deal in personal or customer information. We may however use in a general sense without any reference to your name, your information to create marketing statistics, identify user demands and to assist it in meeting customer needs generally. In addition, we may use the information that you provide to improve its website and its services but not for any other use.

Content and materials posted to the Site may be the copyrighted content of others ("Third Party Content") that is used by Michelle Rankin either by permission or as "fair use" for purposes such as education and research. We respect the intellectual property of others and ask that you do the same. Users must obtain permission from the owners of any Third Party Content before copying, distributing or otherwise using those materials. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication, or commercial exploitation of downloaded material will be permitted without the express permission of the copyright owner.

If you believe that your work has been copied on one or more of the Sites in a way that constitutes copyright infringement or otherwise violates your intellectual property rights, please contact us via email at the contact information listed below and provide the following: (i) identification of what is claimed to have been infringed; (ii) identification of what is claimed to be infringing; (iii) your contact information (or the contact information of the person we need to contact about the infringement); (iv) a statement that the person submitting the complaint is doing so with a good faith belief that use of the material in the manner complained of is not authorized by the owner, its agent, or the law; (v) a statement that the information provided is accurate, and under penalty of perjury; (vi) a physical or electronic signature of the person submitting the complaint; and (vii) if that person is not the owner of the content at issue, a statement that the person submitting the complaint is authorized to act on the owner's behalf.

DISCLOSE YOUR INFORMATION

michellerankin.com.au may be required, in certain circumstances, to disclose information in good faith and where michellerankin.com.au is required to do so in the following circumstances: by law or by any court; to enforce the terms of any of our customer agreements; or to protect the rights, property or safety of our customers or third parties.

EXCLUSION OF COMPETITORS

If you are in the business of creating similar documents, goods or services for the purpose of providing them for a fee to users, whether they be business users or domestic users, then you are a competitor of michellerankin.com.au. michellerankin.com.au expressly excludes and does not permit you to use or access our website, to download any documents or information from its website or obtain any such documents or information through a third party. If you breach this term then michellerankin.com.au will hold you fully responsible for any loss that we may sustain and further hold you accountable for all profits that you might make from such un-permitted and improper use. michellerankin.com.au reserves the right to exclude and deny any person access to our sites, services or information in our sole discretion.

COPYRIGHT, TRADEMARK AND RESTRICTIONS OF USE

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, trademarks and graphics. You are not permitted to reproduce the documents, information or materials on the website for the purposes of sale or the use by any third party. In particular you are not permitted to republish, upload, transmit electronically or otherwise or distribute any of the materials, documents or products that may be available for download from time to time on this website.

michellerankin.com.au expressly reserves all copyright and trademark in all documents, information and materials on our website and we reserve the right to take action against you if you breach any of these terms.

Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following: you may print or download to a local hard disk extracts for your personal and non-commercial use only; and you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material.

You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.

COOKIES

Our Sites utilise cookies; small files of letter and numbers that are automatically placed on your machine – if you agree - to help our Sites provide a better user experience. Cookies do not typically include identifying personal information, but cookies may also be linked to personal information which is stored about you.

We use cookies to retain your user preferences, store information from elements of our Sites such as shopping carts, and to provide anonymised tracking data to third party applications including Google Analytics, Facebook Pixel, and Instagram Ads. These cookies are likely to be analytical/performance cookies or targeting cookies. We have no control over third party cookies.

In general, cookies should make your browsing experience better. You may prefer to disable cookies for this Site which you can do by disabling cookies in your browser. We suggest following the steps via the 'Help' tool of your browser. Please note that if you change your browser settings to block all cookies (including essential cookies) you may not be able to access some or all of our Site. Except for essential cookies, all cookies expire within a reasonable period of time.

WHOLE AGREEMENT

These terms and conditions represent the whole agreement between you and michellerankin.com.au concerning your use and access to michellerankin.com.au’s website and your use and access to the documents and information on it. No other term is to be included in this agreement except where it is required to be included by any legislation of the Commonwealth or any State or Territory. All implied terms except those implied by statute and which cannot be expressly excluded are hereby expressly excluded.

EXCLUSION OF UNENFORCEABLE TERMS

Where any clause or term above would by any applicable statute be illegal, void, or unenforceable in any State or Territory then such a clause shall not apply in that State or Territory and shall be deemed never to have been included in these terms and conditions in that State or Territory. Such a clause if legal and enforceable in any other State or Territory shall continue to be fully enforceable and part of this agreement in those other States and Territories. The deemed exclusion of any term pursuant to this paragraph shall not affect or modify the full enforceability and construction of the other clauses of these terms and conditions.

CONSULTING SERVICES

By engaging our services, you agree that Michelle Rankin is reliant on the information supplied by the client in order to provide the services and cannot be held responsible for any results for services provided based on such client information. You are liable and fully responsible for any decisions you make based on our services or recommendations and any consequences which may result.

Any and all information on our website is educational and for information purposes only, intended to assist you. It is not to be construed as business advice and should not substitute professional advice based on your own business or personal circumstances.

EDUCATION

By using our services, you agree that michellerankin.com.au is not to be held liable for any decisions you make based on any of our services or guidance and any consequences, as a result, are your own. Under no circumstances can you hold michellerankin.com.au liable for any actions you take nor can you hold us or any of our employees liable for any loss or costs incurred by you as a result of any guidance, advice, coaching, materials or techniques used or provided by michellerankin.com.au

All our information on both the website and in consultations is intended to assist you and does not in any way, nor is it intended to substitute professional, financial or legal advice. Results are not guaranteed and michellerankin.com.au takes no responsibility for your actions, choices or decisions.

JURISDICTION

This agreement and this website are subject to the laws of New South Wales and Australia. If there is a dispute between you and michellerankin.com.au that results in litigation then you must submit to the jurisdiction of the courts of NSW.

TERMS AND CONDITIONS OF PURCHASE

These Terms and Conditions of Purchase (these "Terms and Conditions of Purchase") sets out your rights and responsibilities for accessing our courses on www.michellerankin.com.au and its sub-domains and affiliated sites, as well as Michelle Rankin ("our", "us" or "we") pages and accounts on ivory.io®, Facebook®, Instagram®, Pinterest®, LinkedIn®, and Apple® (the "Sites).

We pride ourselves in providing a high level of customer service and ensuring that you are clear in respect of all of your rights relating to your purchase. These terms apply to all purchases made from our Sites and in proceeding to make a purchase you accept our terms in full. In addition to reading these Terms and Conditions of Purchase you should also ensure that you have read both our Terms and Conditions of Site Use and our Privacy Policy carefully.

These Terms and Conditions constitute a legally binding contract between Michelle Rankin (herein also referred to as "Company"), and you regarding your purchase of coaching services, video content, website content, and printable materials (herein referred to as the "Courses" "Program" or "Program Materials"). The program shall be deemed to be incorporated herein by reference in addition to this website's terms of use (the "Terms and Conditions") and privacy policy ("Privacy Policy"). The individual agreements between the Company and you together with these Terms and Conditions of Purchase, the Terms and Conditions of Site Use, and the Privacy Policy are collectively referred to herein as this "Agreement."

By purchasing this product, you (herein referred to as "Client") agree to the following terms as a condition of your participation in the Program.

CONTRACT PARTIES, CONCLUSION OF CONTRACT & CONTRACT LANGUAGE

The contract of purchase is with Michelle Rankin (michellerankin.com.au). Please see the imprint on the website or the confirmation e-mail of the Company for further information and contact details.

You are obliged to use your correct name and to provide only true and complete information and data on your order.

The listings of products in our online shop does not constitute a legally binding offer, but merely an invitation to place orders. You can initially put our products into the shopping cart without obligation and correct your entries at any time before submitting your binding order.

By clicking "Buy Now" "Enroll in Course" "Purchase" or similar in the last step of the order process, you submit a binding offer to purchase the products displayed in the order overview. Shortly after submitting your order you will receive a confirmation by e-mail. The contract is entered into and legally binding for both parties only upon receipt of the Company's confirmation e-mail confirming the availability of the products ordered.

You must read the course descriptions on our Sites carefully as they clearly set out the details relating to product and service offerings you will receive. If at any time you experience technical difficulties when using our course you should contact us via email [email protected] and one of the team shall respond to your query within 1-2 working days.

The exclusive language available for the conclusion of the contract shall be English. Translations of these Terms and Conditions of Purchase into other languages are for information only.

STORAGE OF THE CONTRACT TEXT & MODIFICATIONS TO THE CONTRACT

You may access these Terms and Conditions of Purchase at any time by visiting https://michellerankin.com.au/terms-and-conditions.

We reserve the right at any time to modify these Terms and Conditions of Purchase and to impose new or additional terms or conditions on your access and use of the products. Such modifications and additional terms and conditions shall be effective immediately and incorporated into this agreement. Your continued use of the products will be deemed your acceptance thereof. The modified terms and conditions will be accessible to you at https://michellerankin.com.au/terms-and-conditions. If you have any questions, please contact us directly at [email protected].

PRICES & PAYMENT TERMS

In our online shop you can make use of the following payment methods:

Credit card

If you choose to pay in full or pay with a payment plan, you may use the option to pay by credit card.

By submitting the order, you also submit your credit card details.

After you are verified as a legitimate cardholder, we submit a request to your credit card issuer to immediately initiate the payment. The payment is automatically performed by the credit card company and charged to your card.

If you choose to pick the payment plan option, you are responsible for all remaining payments. ALL SALES ARE FINAL AND NO REFUNDS WILL BE ISSUED. If you choose to purchase with the payment plan option, Michelle Rankin (michellerankin.com.au) retains the right to suspend access to any program if payments are not made when they are due. Further, if at any time there is a past due payment, access to the program will be temporarily restricted until the account is current and all past due payment obligations have been met. You must promptly update all billing information (billing address, card number, and expiration date) to keep your account current, complete, and accurate. We reserve the right to charge any renewal card issued to you to the same extent as the expired card. If payment is not received from your credit card issuer, you hereby agree to pay all amounts due upon demand. You agree to pay all costs of collection, including attorney's fees and costs, as necessary and reasonable, on any outstanding balance.

Upon purchase, you will receive a username and password for each subscription you purchase in the Order. For example, if you purchase only one subscription, you will receive only one username and password, and only one person may access and use the Product.

All prices posted on this Site are subject to change without notice. The price charged for the product or service you purchase will be the price in effect at the time the order is placed and will be set out in your order confirmation e-mail. Price increases will only apply to orders placed after such changes.

By proceeding with any purchase, you acknowledge that you have read and understand our No Refund Policy as outlined in our No Refund Policy section, and you agree that all sales are final.

Listed prices do not include taxes. You will have notice of all such applicable taxes by reviewing your course total in your shopping cart and in your order confirmation e-mail.

We are not responsible for pricing, typographical, or other errors in any offer by us and we reserve the right to cancel any orders arising from such errors.

NO REFUND POLICY

All sales are final. Michelle Rankin (michellerankin.com.au)l does not offer refunds for any of its courses, programs, or products for any reason.

By purchasing our courses or programs, you acknowledge and agree that you are making a commitment to the program in its entirety. We encourage you to read all course descriptions thoroughly before purchasing to ensure that the content meets your needs and expectations.

Once you complete your purchase, you accept full responsibility for your purchase decision and acknowledge that no refunds will be provided under any circumstances, including but not limited to: