Terms of Use – Secured Futures
Trading as: Secured Futures (J AVERY & J STEEN ABN 30 733 274 486)

Last updated: 21/03/2026

1. Agreement to Terms

By creating an account or enrolling in our online program, you agree to be bound by these Terms of Use and our Privacy Policy.
If you do not agree, you must not access the course.

2. Nature of the Program

This program is an educational personal development course designed to reduce financial barriers and improve overall financial wellbeing.

It:

  • Does not provide personal financial, legal, or tax advice
  • Does not replace professional advice
  • Is not suitable for individuals experiencing financial crisis, debt emergencies, legal issues, or urgent hardship situations

Although endorsed by an accredited financial adviser, the content remains general in nature.

3. Voluntary Participation

Participation is voluntary unless assigned by your employment service provider.

Secured Futures is not responsible for decisions made by providers to assign this program as an activity.

4. Access and Use

When you enrol, you receive lifetime access to the program unless otherwise stated.

You agree not to:

  • Share your login
  • Copy, reproduce, distribute, sell, or transfer course content
  • Reupload videos, documents, or worksheets
  • Use or attempt to repurpose the program for commercial use
  • Engage in any misuse, unauthorised access, or tampering

All course content remains the exclusive intellectual property of Secured Futures.

5. Completion Certificate

Certificates are provided solely to confirm program completion.

You agree that certificates:

  • Do not represent formal accreditation
  • Do not equal professional qualifications
  • Cannot be used for licensing, certification, or recognition with any authority
  • Are not evidence of financial competency for regulatory purposes

Misrepresentation of certificate use is prohibited.

6. Program Updates

We may modify, update, or replace course content at any time without notice.
This ensures the program remains relevant and accurate.

7. Payments & Refunds

Program fees are payable at the time of purchase.

Refunds are provided only where required under Australian Consumer Law (ACL).

Because this is a digital product with instant access:

  • Change of mind refunds are not available
  • Non‑usage does not qualify for refund
  • Providers or individuals purchasing on behalf of a participant must ensure suitability prior to enrolment

8. Provider Purchases

Employment service providers may fund enrolments under their internal guidelines.
We take no responsibility for:

  • Provider decisions
  • Activity assignment
  • Reporting obligations
  • Participant compliance

Certificates can be supplied to providers only with participant consent.

9. No Liability

To the maximum extent permitted by law, Secured Futures is not liable for:

  • Any actions taken based on program content
  • Any financial decisions made by participants
  • Loss, hardship, or damages arising from reliance on general educational content
  • System downtime or Thinkific platform issues

You acknowledge that outcomes vary and are not guaranteed.

10. Account Termination

We may suspend or terminate accounts that:

  • Breach these Terms
  • Misuse course materials
  • Engage in inappropriate or unlawful conduct

Termination does not entitle you to a refund.

11. Governing Law

These Terms are governed by the laws of Queensland, Australia.

12. Contact Us

Secured Futures
(J AVERY & J STEEN ABN 30 733 274 486)

[email protected]
Location: QLD 4220, Australia