These Terms & Conditions (“Terms”) govern your access to and use of RealMoneyFlow.com and any related programs, products, courses, memberships, communities, events, and communications (collectively, the “Services”). The Services are operated by VIP Business Builders (ABN 11 891 838 112) (“Real Money Flow,” “we,” “us,” or “our”).
By accessing or using the Services, you agree to these Terms and our Privacy Policy and Disclaimer. If you do not agree, do not use the Services.
1) Eligibility & Account
- You must be at least 18 and have legal capacity to contract.
- If you create an account, you’re responsible for keeping it secure and for all activity under it. Tell us immediately if you suspect unauthorized use.
2) Changes to the Terms
We may update these Terms by posting a revised version with a new “Last updated” date. Your continued use after changes means you accept the updated Terms.
3) Programs, Purchases & Payments
- Prices/Taxes. Prices are shown in USD unless stated otherwise and may change at any time. Taxes (including GST/VAT) may be added where applicable.
- Payment. You authorize us (and our processors) to charge your selected payment method for all purchases, subscriptions, and renewals. You agree not to make false chargeback claims.
- Access Windows. Unless stated otherwise at checkout, self-paced course access is granted for 12 months from purchase. We may reasonably modify delivery formats or platforms.
- Refunds. Unless specifically stated in an offer or as required by the Australian Consumer Law (ACL) or any non-excludable law, all sales are final and non-refundable.
- Consumer Guarantees. Nothing in these Terms excludes, restricts, or modifies any non-excludable rights under the ACL.
4) Collaborating “Featured Experts”
We showcase and collaborate with independent experts. Unless explicitly stated in a signed agreement:
- Experts act as independent contractors, not our employees or agents. Their views are their own.
- Any separate coaching/consulting you purchase from an expert is a separate agreement between you and that expert. We are not a party to, nor responsible for, those arrangements.
- Schedules, availability, and outcomes are not guaranteed.
5) No Professional Advice & Earnings
The Services are for educational purposes only and are not financial, investment, legal, tax, medical, psychological, or other professional advice. We do not hold an AFSL and are not a U.S. investment adviser. Results and income examples are illustrative and not guarantees. See our Disclaimer for full details.
6) Intellectual Property & License
- Our Content. All content in the Services (videos, text, templates, logos, designs, etc.) is owned by us or our licensors and protected by IP laws.
- Your License. Upon purchase, we grant you a personal, non-exclusive, non-transferable, revocable license to access and use the purchased materials for your own business or personal use as described at checkout.
- Restrictions. You must not share, resell, sub-license, upload to public repositories, mass-distribute, or use our content to train AI models or competing products without our written permission.
- Seat/Team Access. If you need team or client access, purchase the appropriate seat or enterprise license where offered.
7) User Content & Feedback
If you post or submit content (e.g., comments, forum posts, assignments, testimonials), you grant us a worldwide, royalty-free license to use, reproduce, and display that content for operating and improving the Services and for marketing (you can opt-out of marketing use by emailing support@realmoneyflow.com.