Terms of Service

1. Acceptance of Terms

By accessing or using Ripper Wealth ("the Service"), operated by Ripper Wealth Pty Ltd (ABN 86 693 448 912), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Educational Purpose Only

3. Account Responsibilities

• You must provide accurate account information
• You are responsible for maintaining the security of your account
• You must be at least 18 years old to use the Service
• One account per person (account sharing is prohibited)
• You must notify us immediately of any unauthorised access

4. Subscription and Payments

Billing Terms:

• Subscriptions auto-renew unless cancelled at least 24 hours before renewal
• Prices are in Australian Dollars (AUD) and include GST where applicable
• Payment processing is handled securely by Stripe
• You can cancel anytime via your account settings or the Stripe billing portal

Free Trial:

• New subscribers receive a 14-day free trial
• You will not be charged during the trial period
• Cancel before the trial ends to avoid charges
• One trial per customer (per email address and payment method)

Refund Policy:

• Monthly Subscriptions: No refunds for partial months
• Annual Subscriptions: Pro-rata refund if cancelled within 14 days of initial purchase; no refunds after 14 days (in accordance with Australian Consumer Law)
• Refund requests: email legal@ripperwealth.com.au with your account details
• Processing time: 5-10 business days

5. Acceptable Use

You agree NOT to:

• Share your account credentials with others
• Redistribute, resell, or commercially exploit our content
• Use automated systems, bots, or scrapers to access the Service
• Attempt to circumvent any security measures or access restrictions
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service for any illegal purpose or in violation of any laws
• Submit false, misleading, or fraudulent information
• Harass, abuse, or harm other users or our staff

6. Intellectual Property

All content, including educational materials, tools, calculators, analysis methods, design elements, and software, is owned by Ripper Wealth Pty Ltd and protected by Australian and international copyright laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Service for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works without express written permission.

7. User-Generated Content

By submitting content to the Service (e.g., feedback, questions, reviews), you grant us a worldwide, royalty-free, perpetual licence to use, display, and distribute that content. You represent that you have the right to submit such content.

8. Australian Consumer Law

Our services come with guarantees that cannot be excluded under the Australian Consumer Law (ACL). For major failures with the service, you are entitled to:

• Cancel your subscription and obtain a refund for the unused portion, or
• Compensation for the reasonably foreseeable loss or damage

For minor failures, we will remedy the issue within a reasonable time.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW (INCLUDING THE ACL):

• RIPPER WEALTH PTY LTD SHALL NOT BE LIABLE FOR ANY INVESTMENT LOSSES, INDIRECT DAMAGES, OR CONSEQUENTIAL DAMAGES ARISING FROM USE OF THE SERVICE
• OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM
• WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION
• YOU ACKNOWLEDGE THAT INVESTMENT DECISIONS ARE MADE AT YOUR OWN RISK

Nothing in these terms excludes, restricts, or modifies any statutory rights you may have under the ACL or other applicable consumer protection laws.

10. Service Availability

We strive for 99.9% uptime but do not guarantee uninterrupted access. The Service may be unavailable due to maintenance, updates, or circumstances beyond our control. We are not liable for any loss or inconvenience caused by service interruptions.

11. Account Termination

We reserve the right to suspend or terminate your account immediately if you breach these terms. You may terminate your account at any time by cancelling your subscription and contacting us at legal@ripperwealth.com.au.

Upon termination, your access to premium features ceases immediately. We may retain certain data as required by law.

12. Changes to Terms

We may update these terms from time to time. Material changes will be communicated via email at least 14 days before taking effect. Continued use after changes constitutes acceptance. If you do not agree with the changes, you must cancel your subscription.

13. Privacy and Data Protection

We collect and use your personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). Your data is stored securely and will not be sold to third parties.

14. Governing Law and Jurisdiction

These terms are governed by the laws of Queensland, Australia. Any disputes arising from these terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Queensland, Australia.

Before commencing legal action, parties agree to attempt good faith negotiation for 30 days, followed by mediation if required.

15. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Information

Ripper Wealth Pty Ltd
ABN: 86 693 448 912
Business Address: Level 1, 16 McDougall St, Milton QLD 4064, Australia
Email: legal@ripperwealth.com.au

For general inquiries: support@ripperwealth.com.au