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Terms and Conditions 

 

TOTAL MONEY MANAGEMENT

TERMS & CONDITIONS + PRIVACY POLICY

 

Last updated: February 2026

These Terms and Conditions and Privacy Policy apply to all products and services provided by:

Total Money Management Pty Ltd
ACN 682 395 615


Australian Financial Services Licence (AFSL) 568642


(“Total Money Management”, “TMM”, “we”, “us”, “our”)

By accessing our website, enrolling in programs, purchasing products, or engaging with our content, you agree to these Terms.

Financial Services Disclaimer (General Advice Only)

All information provided by Total Money Management is general financial product advice only and has been prepared without taking into account your personal objectives, financial situation or needs.

You should consider whether the information is appropriate for you and seek independent professional advice before acting.

Where financial products are discussed, you should obtain and read the relevant Product Disclosure Statement before making any decision.

Past performance is not a reliable indicator of future performance.

Our Licence

Total Money Management Pty Ltd holds an Australian Financial Services Licence (AFSL 568642), authorising us to provide general financial product advice to retail and wholesale clients in relation to:

  • Basic and non-basic deposit products

  • Securities

  • Managed investment schemes

  • Derivatives

  • Foreign exchange contracts

We do not provide personal financial advice unless expressly agreed in writing.

Our Services

TMM provides investment education, coaching and general advice through:

  • Online courses and programs

  • Wells programs

  • Group coaching calls

  • Workshops and events

  • Digital content and newsletters

Unless stated otherwise, all services are educational and general in nature.

Client Responsibilities

By engaging with TMM you acknowledge that:

  1. You are responsible for your own decisions and outcomes.

  2. Investing involves risk, including loss of capital.

  3. Results vary materially between individuals.

  4. You will not rely solely on TMM content when making investment decisions.

Fees and Payments

  • Fees are disclosed at point of sale.

  • Payment plans must be completed in full unless a refund is approved.

  • Failed or late payments may result in suspension of access.

  • You authorise TMM to charge your nominated payment method according to agreed terms.

Refunds

Unless otherwise stated:

Digital and 1-1 Programs

Refund requests must be submitted within 14 days of purchase and may require evidence of genuine participation.

Refunds are discretionary.

After 14 days, all payments become non-refundable and any remaining instalments must be completed.

Workshops and Events

No refunds are provided. Tickets may be transferred with at least 72 hours written notice, subject to availability.

Intellectual Property

All TMM materials are protected by copyright.

You receive a personal, non-transferable licence for individual use only.

You may not reproduce, distribute, sell, modify or share any TMM content without written permission.

Limitation of Liability

To the maximum extent permitted by law:

  • TMM excludes all liability for loss arising from use of our services or content.

  • Where liability cannot be excluded, it is limited under Australian Consumer Law.

TMM is not responsible for financial outcomes resulting from general advice.

Photography and Media

By attending TMM events or programs, you grant permission for photos or videos to be used in marketing and promotional materials.

Confidentiality

All program materials and participant discussions are confidential.

You agree not to disclose:

  • Participant information

  • TMM strategies or materials

  • Contact details of other members

External Dispute Resolution

We are members of the Australian Financial Complaints Authority (AFCA).

Complaints may be lodged via www.afca.org.au.

Termination

TMM may suspend or terminate access if you breach these Terms or pose regulatory risk.

Outstanding payments remain payable.

Governing Law

These Terms are governed by the laws of Queensland. Each party submits to the exclusive jurisdiction of QLD courts.

PRIVACY POLICY

Total Money Management Pty Ltd complies with the Privacy Act 1988 (Cth).

Information We Collect

We may collect:

  • Name

  • Email address

  • Phone number

  • Address

  • Payment details

  • Program participation data

  • Communications

How We Use Your Information

We use your information to:

  • Deliver services

  • Process payments

  • Provide program updates

  • Send newsletters and offers

  • Meet regulatory obligations

You may unsubscribe from marketing communications at any time.

Storage and Security

Your personal information is stored securely using industry-standard safeguards.

Disclosure

We may share information with:

  • Payment processors

  • CRM and email platforms

  • Professional advisers

  • Regulators when legally required

We do not sell personal data.

Access and Correction

You may request access to or correction of your personal information by contacting us.

Privacy Complaints

Privacy complaints can be directed to:

[email protected]

If unresolved, you may contact the Office of the Australian Information Commissioner.

Contact

For all enquiries:

[email protected]
www.totalmoneymanagement.com.au

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