Terms & Conditions

Last updated: 22 April 2026

These Terms & Conditions ("Terms") govern your access to and use of the NextGen Program and any other online courses, coaching programs, digital content, workbooks, templates, and related services (collectively, the "Services") offered by P8 Consulting ("we", "us", "our") through the website courses.p8consulting.com.au. By enrolling in or using any of the Services, you ("you", "the Student") agree to these Terms.

1. About us

The Services are provided by P8 Consulting (ABN: [INSERT ABN]), registered in [INSERT STATE, AUSTRALIA]. Our contact details are set out in section 16.

2. Eligibility

You must be at least 18 years old (or have the consent of a parent or legal guardian) and have the legal capacity to enter into a binding contract to purchase the Services. By enrolling, you warrant that the information you provide is true and accurate.

3. Enrolment and payment

  1. Prices for the Services are displayed on the relevant offer page. The course fee for the NextGen Program is AUD $900 plus GST (total AUD $990), payable at the time of enrolment, unless a discount, coupon, or payment plan is expressly made available.
  2. All prices are in Australian Dollars (AUD) and include Goods and Services Tax (GST) where applicable. A tax invoice will be issued by email following successful payment.
  3. Payment is processed via our third-party payment providers (e.g. Stripe, PayPal). You authorise us, or our payment provider, to charge your nominated payment method for the full purchase price plus any applicable taxes.
  4. Access to the Services is granted only after payment is received in cleared funds.

4. Coupons and promotional pricing

Coupons, promo codes, and launch discounts are offered at our discretion, may be withdrawn or modified at any time, cannot be combined unless expressly stated, have no cash value, and are not transferable.

5. Access to the Services

  1. Upon successful enrolment, you will receive a single, non-transferable, non-exclusive, revocable licence to access the Services for your personal, non-commercial learning use.
  2. The NextGen Program is offered with lifetime access, meaning access for as long as we continue to operate the Services and host the course materials on our platform. We do not guarantee that the Services will remain available indefinitely and reserve the right to retire, replace, or materially modify content with reasonable notice.
  3. Your login credentials are personal to you. You must not share, sell, or allow any other person to use your account. We may suspend or terminate accounts we reasonably believe are being shared.

6. Refund and cancellation policy

  1. Change-of-mind refund window: If you are not satisfied with the NextGen Program, you may request a full refund within [INSERT REFUND WINDOW, e.g. 14] days of your date of purchase, provided you have not completed more than [INSERT % OR NUMBER OF MODULES, e.g. 25% of the course / Module 2]. Refund requests must be sent in writing to [INSERT SUPPORT EMAIL] and include your order reference.
  2. After the refund window has ended, or where the completion threshold has been exceeded, the purchase is non-refundable except where required by law.
  3. This policy does not limit your rights under the Australian Consumer Law (see section 10).
  4. Where a refund is approved, it will be processed to the original payment method within 10 business days.

7. Intellectual property

  1. All content forming part of the Services — including videos, audio, workbooks, templates, financial models, slides, written materials, quizzes, and the overall "look and feel" of the platform — is owned by or licensed to P8 Consulting and is protected by copyright and other intellectual property laws.
  2. You are granted a limited, personal, non-exclusive, non-transferable, revocable licence to view and download the materials for your own learning only.
  3. You must not, without our prior written consent: (a) copy, reproduce, republish, upload, post, transmit, or distribute any of the materials; (b) record, screen-capture, or re-broadcast any live or recorded sessions; (c) use the materials to build a competing course, coaching program, or training product; or (d) use any of our brand names, logos, or trade marks.

8. Acceptable use

You agree that you will not, in connection with the Services: (a) post unlawful, defamatory, harassing, or misleading content; (b) attempt to gain unauthorised access to accounts, systems, or data; (c) use the Services for any illegal purpose; or (d) interfere with other students' use of the Services. We may suspend or terminate access for breach of this section without refund.

9. Educational purpose only — not professional advice

  1. The Services are provided for general educational and informational purposes only. They do not constitute, and are not a substitute for, personal financial advice, investment advice, tax advice, legal advice, accounting advice, or any other professional advice.
  2. P8 Consulting is not a licensed financial adviser, tax agent, or legal practitioner. Any examples, models, case studies, or figures discussed are illustrative only and may not reflect your personal circumstances.
  3. You are solely responsible for your own business, financial, and legal decisions. Before acting on any information in the Services, you should consider whether it is appropriate for your circumstances and obtain independent professional advice where appropriate.
  4. We make no representation, warranty, or guarantee as to any specific business, income, career, or financial outcome from participating in the Services. Results depend on many factors outside our control, including your own effort, skill, market conditions, and timing.

10. Australian Consumer Law

Our Services come with guarantees that cannot be excluded under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)). Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy to which you are entitled under those laws. Where we are permitted by law to limit our liability for a breach of a consumer guarantee in relation to services, our liability is limited, at our option, to resupplying the services or paying the cost of having the services resupplied.

11. Limitation of liability

Subject to section 10, and to the maximum extent permitted by law: (a) the Services are provided on an "as is" and "as available" basis; (b) we exclude all implied warranties other than those that cannot lawfully be excluded; (c) we are not liable for any indirect, incidental, consequential, special, or punitive loss, including loss of profits, loss of business, loss of data, or loss of opportunity; and (d) our total aggregate liability to you for any and all claims arising out of or in connection with these Terms or the Services is limited to the total amount paid by you for the Services in the 12 months preceding the event giving rise to the claim.

12. Privacy

We handle your personal information in accordance with the Privacy Act 1988 (Cth) and our Privacy Policy, available at [INSERT PRIVACY POLICY URL]. By enrolling in the Services, you consent to us collecting, using, storing, and disclosing your personal information as described in that policy, including for the purposes of delivering the Services, processing payments, issuing tax invoices, and sending course-related communications.

13. Third-party services

The Services rely on third-party platforms (including Kajabi for course hosting and Stripe / PayPal for payments). Your use of those platforms is also subject to their terms and privacy policies. We are not responsible for any acts, omissions, errors, or outages of third-party providers.

14. Suspension and termination

We may suspend or terminate your access to the Services, with or without notice, if you breach these Terms, if we reasonably suspect fraudulent, abusive, or unlawful activity, or if we are required to do so by law. On termination for breach by you, no refund will be payable.

15. Changes to the Services and to these Terms

We may update or modify the Services and these Terms from time to time. The "Last updated" date at the top of this page will reflect the most recent version. Material changes will be notified by email or via a notice on the website. Your continued use of the Services after a change takes effect constitutes your acceptance of the updated Terms.

16. Governing law and jurisdiction

These Terms are governed by the laws of the State of [INSERT STATE, e.g. Victoria], Australia. You and we submit to the non-exclusive jurisdiction of the courts of that State and the courts of appeal from them.

17. Contact us

If you have any questions about these Terms, your enrolment, a refund request, or any other matter:
P8 Consulting
Email: [INSERT SUPPORT EMAIL]
Website: courses.p8consulting.com.au
ABN: [INSERT ABN]

By clicking "Enrol" / "Buy now" / "Complete purchase" on our checkout page, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions.