The Legal Stuff
Honest Money’s Terms & Conditions
This is important, but we’re sorry it’s not exactly a delightfully easy read. Let us know if you have questions.
How Honest Money works
Honest Money operates under an Australian Financial Services Licence No 307248, held by Dover Financial Advisers. Our licence allows Honest Money to provide personal financial advice and deal in investments and other financial products.
While we may provide personal financial advice, we do not deal in investment or other financial products.
We do not receive any commissions or payments of any kind for any of our recommendations.
We do not have any arrangements with any financial institutions or product providers and we do not accept their advertising or speaking fees.
Content available on the Honest Money website is not tailored to your specific financial situation. Information, including recommendations, are educational in nature, and should not be construed as personal financial advice.
This includes answers to questions posed by our community on the website or on social media forums. You should seek personal financial advice before acting on any recommendations.
You can read more in our Financial Services Guide.
Honest Money may also be referred to as Honest, Honest by Carrots, Honest Money Pty. Ltd., Jac, Jacqui or Jacqueline Park.
By signing up, subscribing or purchasing the services of Honest Money you are agreeing to the Terms and Conditions.
Information provided by Honest Money in any newsletters, social media, or freely available on the website is general in nature and does not take into consideration your personal financial situation, unless otherwise specified. It is for educational purposes only and does not constitute personal financial advice. Before acting on any recommendations, it is advisable to seek personalised financial advice.
If you apply to receive the Services from Honest Money, and Honest Money agrees to supply the Services to you, you agree to pay fees to Honest Money for the Services in accordance with the following terms and conditions.
The Services include but are not limited to a personalised Statement of Advice, covering cash flow management, insurance and superannuation advice. Honest Money will not provide specific investment advice, investment product recommendations or debt product recommendations.
More information is provided in the Financial Services Guide and the Statement of Advice if purchased.
Applying Terms & Conditions
These Terms & Conditions apply to the agreement for you to purchase personalised financial advice services (the Services) and form a binding contract between you and Honest Money. In addition to the Services, these Terms & Conditions also apply to any unpaid services or information available to you through Honest Money’s website, social media or other forums.
Acceptance of Terms and Conditions
If you do not agree to the terms and conditions, as amended from time to time, you are not permitted to use the Services or Honest Money social media or other forums.
Terms and Conditions
In these Terms, ‘us’, ‘we’ and ‘our’ means Honest Money Pty. Ltd.
You may need to be a registered member to access certain products and features of our website.
When you register and activate your account, we may provide you with a user name and password. You are responsible for keeping this user name and password secure and are responsible for all use and activity carried out under this user name.
To create an account, you must be:
- at least 18 years of age;
- possess the legal right and ability to enter into a legally binding agreement with us; and
- agree and warrant to use the website in accordance with these Terms.
2 Collection Notice
We may disclose that information to third parties that help us deliver our services (including information technology suppliers, communication suppliers and our business partners) or as required by law. If you do not provide this information, we may not be able to provide all of our services and products to you. We may also disclose your personal information to recipients that are located outside of Australia, including our cloud client management database, located in the United States.
3 Accuracy, completeness and timeliness of information
The information on our website is not comprehensive and is intended to provide a summary of the subject matter covered. While we use all reasonable attempts to ensure the accuracy and completeness of the information on our website, to the extent permitted by law, including the Australian Consumer Law, we make no warranty regarding the information on this website. You should monitor any changes to the information contained on this website.
We are not liable to you or anyone else if interference with or damage to your computer systems occurs in connection with the use of this website or a linked website. You must take your own precautions to ensure that whatever you select for your use from our website is free of viruses or anything else (such as worms or Trojan horses) that may interfere with or damage the operations of your computer systems.
We may, from time to time and without notice, change or add to the website (including the Terms) or the information, products or services described in it. However, we do not undertake to keep the website updated. We are not liable to you or anyone else if errors occur in the information on the website or if that information is not up-to-date.
4 Promotions and competitions
For certain campaigns, promotions or contests, additional terms and conditions may apply. If you want to participate in such a campaign, promotion or contest, you need to agree to the relevant terms and conditions applicable to that campaign, promotion or contest. In case of any inconsistency between such terms and conditions and these Terms, those terms and conditions will prevail.
Services are $1250 inclusive of GST for 12 months, from the date of signing up. Payments for the Services are in Australian Dollars ($AUD) only. Purchasers of the Services may make online payments using Paypal, or bank transfer. Honest Money will invoice you via Paypal or email.
Cancellations and Refunds
Cancellations of orders is permitted within 24 hours of purchase. No refunds are permitted once personal advice has been provided.
6 Linked sites
Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we do not endorse and are not responsible for the content on those linked websites and have no control over or rights in those linked websites.
7 Intellectual property rights
Unless otherwise indicated, we own or license from third parties all rights, title and interest (including copyright, designs, patents, trademarks and other intellectual property rights) in this website and in all of the material (including all text, graphics, logos, audio and software) made available on this website (Content).
Your use of this website and use of and access to any Content does not grant or transfer any rights, title or interest to you in relation to this website or the Content. However we do grant you a licence to access the website and view the Content on the terms and conditions set out in this Agreement and, where applicable, as expressly authorised by us and/or our third party licensors.
Any reproduction or redistribution of this website or the Content is prohibited and may result in civil and criminal penalties. In addition, you must not copy the Content to any other server, location or support for publication, reproduction or distribution is expressly prohibited.
All other use, copying or reproduction of this website, the Content or any part of it is prohibited, except to the extent permitted by law.
8 Unacceptable activity
You must not do any act that we would deem to be inappropriate, is unlawful or is prohibited by any laws applicable to our website, including but not limited to:
- any act that would constitute a breach of either the privacy (including uploading private or personal information without an individual’s consent) or any other of the legal rights of individuals;
- using this website to defame or libel us, our employees or other individuals;
- uploading files that contain viruses that may cause damage to our property or the property of other individuals;
- posting or transmitting to this website any non-authorised material including, but not limited to, material that is, in our opinion, likely to cause annoyance, or which is defamatory, racist, obscene, threatening, pornographic or otherwise or which is detrimental to or in violation of our systems or a third party’s systems or network security.
If we allow you to post any information to our website, we have the right to take down this information at our sole discretion and without notice.
9 Warranties and disclaimers
To the maximum extent permitted by law, including the Australian Consumer Law, we make no warranties or representations about this website or the Content, including but not limited to warranties or representations that they will be complete, accurate or up-to-date, that access will be uninterrupted or error-free or free from viruses, or that this website will be secure.
We reserve the right to restrict, suspend or terminate without notice your access to this website, any Content, or any feature of this website and our products and services at any time without notice and we will not be responsible for any loss, cost, damage or liability that may arise as a result.
To the maximum extent permitted by law, including the Australian Consumer Law, in no event shall we be liable for any direct and indirect loss, damage or expense – irrespective of the manner in which it occurs – which may be suffered due to your use of our website and/or the information or materials contained on it, or as a result of the inaccessibility of this website and/or the fact that certain information or materials contained on it are incorrect, incomplete or not up-to-date.
Limitation of liability
You acknowledge that Honest Money will not be liable to you or your associates or agents for any liability, claim, direct or indirect loss or lost opportunity or any other detriment suffered because of or in connection with your use, or reliance upon:
- the information or advice provided as part of the services or any other information accessed in connection with the Services or Honest Money social media, or other forums;
- your use, or reliance upon, the information in any external website, including a website which is referred to by a hyperlink from the Service;
- any failure to meet any projections, or statements of future events, made in relation to any investment or financial product;
- any misrepresentations whether by statement or omission by third-parties or any other defects in relation to any investments or financial products;
- any failure of Honest Money’s systems, including information technology and business systems;
- any general advice, recommendations, representations or statements made by Honest Money or any other party in connection with the Services, Honest Money social media or other forums which you relied upon; and
- any services provided by, or representations or statements or opinions by a third-party, whether the third-party was recommended by Honest Money.
All complaints will be handled in accordance with the complaints handling policy of Honest Money’s Financial Services Guide available on the website.
12 Jurisdiction and governing law
Your use of the website and these Terms are governed by the law of New South Wales and you submit to the non-exclusive jurisdiction of the courts exercising jurisdiction in New South Wales.