These terms and conditions apply to all programmes and training products offered through TiffanyGray.com ("we," "our," "us"), operated by Tiffany Gray, ABN to be confirmed, based in Australia.

By purchasing, registering for, or accessing any programme, you agree to these Terms and Conditions.

1. Programme Access

Our programmes are delivered as self-paced online training through the TiffanyGray.com platform. Upon purchase, you will receive access to the programme content, tools, and features included in your enrolment.

• Access is granted to the individual purchaser only and is non-transferable unless prior written approval is given.
• Programme content, structure, and features may be updated from time to time to improve the learning experience.
• You are responsible for maintaining the confidentiality of your login credentials.

2. Payments & Pricing

• All prices are listed in Australian Dollars (AUD) and are inclusive of or clearly state Goods and Services Tax (GST) where applicable.
• Full payment is required at the time of purchase to secure access, unless a payment plan is explicitly offered.
• If a payment plan is offered and accepted, all instalments must be completed in full regardless of continued participation.
• Discount codes, where available, must be applied at the time of purchase. They cannot be applied retrospectively.

3. Refund & Cancellation Policy

We want you to be confident in your purchase. Our refund policy is as follows:

• Refunds are available within 14 days of purchase by contacting Tiffany@pbma.com.au, in accordance with Australian Consumer Law.
• After 14 days, programme purchases are non-refundable.
• No refunds will be issued for failure to complete the programme, lack of participation, or change of mind beyond the 14-day period.
• Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be excluded, restricted, or modified by agreement.

4. Programme Changes

We reserve the right to:

• Update, modify, or improve programme content, tools, and features at any time to enhance the learning experience.
• Change the order, format, or delivery method of programme modules.
• Discontinue a programme, in which case enrolled participants will be given reasonable notice and, where appropriate, a refund or transfer to an alternative programme.

5. Taxes

• All prices include GST where applicable, as required under Australian tax law.
• International purchasers may be subject to additional fees, charges, or taxes imposed by their payment provider or local authorities. These are the responsibility of the purchaser.

6. Code of Conduct

By participating in any programme, you agree to:

• Treat all facilitators, staff, and fellow participants with respect and professionalism.
• Maintain the confidentiality of discussions, shared learnings, and any content contributed by other participants (including journal entries and team dashboard data).
• Refrain from disruptive behaviour, solicitation, or unauthorised promotion within the platform.
• Not record, screenshot, reproduce, or distribute programme content without written permission.

Failure to comply with the Code of Conduct may result in removal from the programme without refund.

7. Intellectual Property

• All programme content, materials, templates, prompts, frameworks, and tools remain the intellectual property of Tiffany Gray / TiffanyGray.com.
• Programme materials are provided for your personal or internal business use only.
• You may not reproduce, redistribute, resell, or publicly share any programme content without prior written consent.
• Any deliverables you create using the programme tools (journal entries, uploaded documents, etc.) remain your own intellectual property.

8. Support

• Support covers registration assistance, platform access issues, and programme navigation.
• Support does not include custom AI consulting, implementation services, or post-programme advisory unless explicitly offered as part of a separate engagement.
• For support enquiries, contact Tiffany@pbma.com.au.

9. Privacy & Data

• We collect and handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
• Information you provide (including journal entries, uploaded documents, and profile details) is stored securely and used solely for delivering the programme experience.
• Team dashboard features aggregate data by organisation. By entering your organisation name, you consent to your journal entries being visible to other participants from the same organisation in aggregated form.
• We will not sell, rent, or share your personal information with third parties except as required by law or as necessary to deliver the programme (e.g., payment processing via Stripe).

10. Limitation of Liability

• To the maximum extent permitted by law, TiffanyGray.com is not liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use the programme.
• Our total liability to you for any claim arising from the programme is limited to the amount you paid for the programme.
• The programme provides educational content and tools. It does not constitute professional advice (legal, financial, technical, or otherwise). You are responsible for how you apply what you learn.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Victoria, Australia. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

13. Contact

For any questions about these Terms or your programme access:

Tiffany Gray
Email: Tiffany@pbma.com.au
Website: tiffanygray.com